THE SECURITIES ACT OF 1933
	Pre-Effective Amendment No.	☐
	Post-Effective Amendment No. 20	☒

Amendment No. 62

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

The Securities and Exchange Commission has not approved or disapproved this Policy or determined that this prospectus is accurate or complete. Anyone who tells you otherwise is committing a federal crime.

Not FDIC Insured

May Lose Value

No Bank Guarantee

Glossary	3
Key Information	6
Overview of the Policy	8
Fee Table	9
Principal Policy Risks	12
Risk of Poor Investment Performance	12
Risks of Market Timing and Disruptive Trading	12
Risk of Lapse	12
Tax Risks	13
Limits on Partial Surrenders	13
Loan Risks	13
Increase in Current Fees and Expenses	14
Effects of Surrender Charges	14
Portfolio Risks	14
Cybersecurity and Business Continuity Risk	14
Farmers New World Life Insurance Company and the Fixed Account	15
Farmers New World Life Insurance Company	15
The Fixed Account	15
The Variable Account and the Portfolios	15
The Variable Account	15
The Portfolios	16
Selection of the Portfolios	16
Availability of the Portfolios	18
Your Right to Vote Portfolio Shares	18
The Policy	18
Purchasing a Policy	18
Tax-Free “Section  1035” Exchanges	19
When Insurance Coverage Takes Effect	19
Cancelling a Policy (Right to Examine Period)	20
Other Policies	20
Ownership Rights	20
Modifying the Policy	21
Policy Termination	21
Premiums	22
Premium Flexibility	22
Minimum Premiums	23
Allocating Premiums	23
Personalized Illustrations	24
Your Contract Values	24
Subaccount Value	24
Subaccount Unit Value	25
Fixed Account Value	25
Loan Account Value	25
Charges and Deductions	25
Premium Deductions	26
Monthly Deduction	26
Mortality and Expense Risk Charge	28
Surrender Charge	29
Transfer Charge	29
Loan Charges	30
Portfolio Management Fees and Expenses	30
Other Charges	30
Death Benefit	30
Death Benefit Amount Payable	30
Death Benefit Options	31
Changing Death Benefit Options	32
Effects of Partial Surrenders on the Death Benefit	32
Changing the Face Amount	32
Payment Options	34
Other Benefits Available Under the Policy	34
Full and Partial Surrenders	43
Full Surrender	43
Partial Surrenders	43
When We Will Make Payments	44
Transfers	45
Third Party Transfers	45
Telephone Transfers	45
Policy and Procedures Regarding Disruptive Trading and Market Timing	46
Automatic Asset Rebalancing Program	49
Dollar Cost Averaging Program	49
Loans	49
Effects of Policy Loans	50
Policy Lapse and Reinstatement	50
Lapse	50
Reinstatement	51
Federal Tax Considerations	51
Tax Status of the Policy	51
Tax Treatment of Policy Benefits	52
Additional Information	56
Distribution of the Policies	56
Legal Proceedings	57
Financial Statements	57
Appendix A: Portfolios Available Under the Policy	A-58
Appendix B: Guaranteed Maximum Cost of Insurance Rates	B-63
Appendix C: Monthly Underwriting and Sales Expense Charges	C-66
Appendix D: Table of Surrender Charge Factors	D-68

FEES AND EXPENSES
Charges for Early Withdrawal	There are surrender charges assessed if your Policy is surrendered during the first 9 Policy years, or within 9 years following any increase in Face Amount. The amount of the charge depends on the age of the insured person and other factors, but the maximum charge is $44.40 per $1000 of Face Amount. For example, if the Face Amount is $100,000, the highest possible surrender charge would be $4,440.   See “Charges and Deductions – Surrender Charge.”
Transaction Charges	In addition to surrender charges (if applicable), you may also be charged for the following transactions:   • A premium expense charge will be deducted upon the payment of each premium.   • A partial surrender processing fee will be deducted upon any partial surrender.   • A transfer fee may be deducted upon transfers into or out of a variable subaccount (or the fixed account) after you have made more than 12 such transfers in a year.   • A fee may be charged upon request for an additional annual report.   See “Charges and Deductions.”
Ongoing Fees and Expenses (annual charges)	In addition to surrender charges and transaction charges, you will also be 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. Some of these fees and expenses are based wholly or in part on the characteristics of the insured person (e.g., age, sex, and underwriting classification). You should view the policy specifications page of your Policy for rates applicable to your Policy.   See “Charges and Deductions.”   You will also bear expenses associated with the underlying portfolios under the Policy, as shown in the following table:
		Annual Fee	Minimum	Maximum
		Investment options (Portfolio fees and expenses)*	0.19%	1.09%
	* As a percentage of Portfolio net assets.   See “Appendix A: Portfolios Available Under the Policy.”
	RISKS
Risk of Loss	You can lose money by investing in the Policy.   See “Principal Policy Risks.”
Not a Short-Term Investment	The Policy is not a short-term investment and is not appropriate for an investor who needs ready access to cash. The Policy is unsuitable as a short-term savings vehicle because of the substantial policy-level charges, including the premium expense charge and the surrender charge, as well as potential adverse tax consequences from such short-term use.   See “Principal Policy Risks – Effects of Surrender Charges.”
Risks Associated with Investment Options	An investment in the Policy is subject to the risk of poor performance and can vary depending on the performance of the Subaccount allocation options available under the Policy (i.e., Portfolios). Each such option (as well as the Fixed Account) will have its own unique risks, and you should review these options before making an allocation decision.   See “Principal Policy Risks – Risk of Poor Investment Performance.”
Insurance Company Risks	Your investment in the policy is subject to risks related to Farmers New World Life Insurance Company (“Farmers”), including that the obligations (including under the Fixed Account option), guarantees, or benefits are subject to the claims-paying ability of Farmers. Information about Farmers, including its financial strength ratings, is available upon request from your Farmers representative. Our current financial strength ratings can also be obtained at www.ambest.com.   See “Farmers New World Life Insurance Company and Fixed Account – Farmers New World Life Insurance Company.”
Contract Lapse	The Policy may lapse as a result of insufficient premium payments, poor performance of the variable Subaccounts and/or Fixed Account you have chosen, withdrawals, or unpaid loans or loan interest. If a default is not cured within a 61-day grace period, your policy will lapse without value, and no death benefit or other benefits will be payable. You can apply to reinstate a policy that has gone into default, subject to conditions including payment of a specified amount of additional premiums.   See “Policy Lapse and Reinstatement.”
RESTRICTIONS
Investments	There are limitations on the transfer of Policy value among investment options (i.e., Subaccounts and the Fixed Account).. These restrictions include an annual limit on the number of free transfers you may make, and a charge for transfers in excess of that limit, as well as a minimum dollar amount for transfers. We also impose additional restrictions to discourage market timing and disruptive trading activity.   See “Transfers.”   The Policy also allows us to eliminate the shares of a Portfolio or class of Portfolio shares, or to substitute shares of another new or existing Portfolio, subject to applicable legal requirements.   See “The Variable Account and the Portfolios.”
Optional Benefits	There are restrictions and limitations relating to supplemental benefits (riders) offered under the Policy, as well as conditions under which a supplemental benefit may be modified or terminated by us. For example, certain supplemental benefits may be subject to underwriting, and your election of an option may result in restrictions on certain policy benefits.   See “Other Benefits Available Under the Policy.”
TAXES
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. If we pay out any amount of your policy value upon surrender or partial withdrawal, all or part of that distribution would generally be treated as a return of the premiums you’ve paid and not subjected to income tax, unless the Policy is a Modified Endowment Contract in which case to the extent there are earnings in the contract, they will be treated as being distributed first and subject to tax. Any portion not treated as a return of your premiums is includible in your income. The taxable portion of distributions also is subject to tax penalties under some circumstances.   See “Federal Tax Considerations.”
CONFLICTS OF INTEREST
Investment Professional Compensation	The policy is currently not being issued, however, some investment professionals may receive compensation in connection with additional Premiums in an outstanding Policy, including by means of commissions, and may have a financial incentive to recommend such additional premiums over another investment.   See “Additional Information.”
Exchanges	Some investment professionals may have a financial incentive to offer you a new policy in place of the one you already own, and you should only exchange your policy if you determine, after comparing the features, fees, and risks of both policies, that it is preferable for you to purchase the new policy rather than continue to own the existing policy.   See “The Policy – Tax-Free “Section 1035” Exchanges.”

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Option A is a variable death benefit through Attained Age 99 that is the greater of:

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the Face Amount of your Policy plus the Contract Value on the date of the Insured’s death; or

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the Contract Value on the date of the Insured’s death multiplied by the applicable Death Benefit Percentage.

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Option B is a level death benefit through Attained Age 99 that is the greater of:

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the Face Amount on the date of the Insured’s death; or

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the Contract Value on the date of the Insured’s death multiplied by the applicable Death Benefit Percentage.

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Accelerated Benefit Rider for Terminal Illness

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Accidental Death Benefit Rider

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Automatic Increase Benefit

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Children’s Term Insurance Rider

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Waiver of Deduction Rider

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Monthly Disability Benefit Rider (not available under Policies issued after August 7, 2015)

Transaction Fees
Charge	When Charge is Deducted	Amount Deducted
		Guaranteed Maximum Charge	Current Charge
Sales Expense	Upon payment of each premium	4.8%	4.8% in years 1-10 years; 0.8% in years 11+
Premium Taxes	Upon payment of each premium	2.2%	2.2%
Maximum Deferred Sales Charge (Load)1 (Per $1,000 of Face Amount)	Upon full Surrender of the Policy during first 9 Policy years, or within 9 years following any increase in Face Amount
◆ Minimum Charge in Policy Year 12		$3.00	$3.00
◆ Maximum Charge in Policy Year 13		$44.40	$44.40
◆ Charge for a Policy issued to a male at age 35, during Policy Year 1		$10.06	$10.06
Partial Surrender Processing Fees	Upon partial surrender	2.0%	2.0%
(As a percentage of the amount withdrawn, not to exceed $25.00)
Transfer Fees	Upon transfer	First 12 transfers in a Policy year are free, $25 for each subsequent transfer	First 12 transfers in a Policy year are free, $25 for each subsequent transfer

1	The Surrender Charge is determined by applying a Surrender Charge Factor (see Appendix D) to the Face Amount, and dividing the result by 1,000 as more fully set out in your Policy.

2	This minimum charge is based on a female Insured age 0 at issue.

3	This maximum charge is based on a male Insured for a Policy that is issued at age 61.

Periodic Charges Other Than Annual Portfolio Company Expenses
Charge	When Charge is Deducted	Amount Deducted
		Guaranteed Maximum Charge	Current Charge
Base Contract Charge:
Cost of Insurance4 (No table rating factor charge or other extra charge 5):	Monthly on the Issue Date and on each monthly due date	Per $1,000 of Risk Insurance Amount 8	Per $1,000 of Risk Insurance Amount
◆ Minimum 6		$0.01	$0.01
◆ Maximum Charge 7		$37.12	$37.12
◆ Charge for a Policy insuring a male, Issue Age 35, in the standard non-nicotine Premium Class, in Policy year 5 with a Face Amount less than $150,000		$0.12	$0.06
Monthly Underwriting and Sales Expense Charge   (Per $1,000 of original Face Amount and any Face Amount increase)	Monthly on Issue Date and (Per $1,000 of original Face Amount and any Face Amount increase) or within 5 years after any increase in Face Amount
◆ Minimum Charge 9		$0.07	$0.07
◆ Maximum Charge 10		$2.21	$2.21
◆ Charge for a Policy issued to a male at age 35, in a non-nicotine standard class, during the first year		$0.26	$0.25

4

Cost of insurance charges are based on the Insured’s Issue Age, gender, Premium Class, the Contract Value, the number of months since the Issue Date, and the amount of the Face Amount, among other factors. The cost of insurance rate you pay may increase annually with the age of the Insured. We currently apply higher cost of insurance rates for Policies with a Face Amount of less than $150,000. If you reduce your Face Amount below $150,000 at any time, then the higher rates will apply in most cases. The cost of insurance charges shown in the table may not be representative of the charges you will pay. Your Policy will indicate the guaranteed maximum cost of insurance charge applicable to your Policy. You can obtain more information about your cost of insurance charges by contacting your agent.

5	Table rating factor charges and flat extra charges are additional charges assessed on policies insuring individuals considered to have higher mortality risks based on our underwriting standards and guidelines.

6	The minimum charge is based on a female Insured, Issue Age 3, in the juvenile underwriting class.

7	This maximum charge is based on a male Insured, at Attained Age 99, in the nicotine underwriting class, who does not have a table rating factor charge. This maximum charge will be higher for a Policy with a table rating factor charge or a flat extra charge.

8

The Risk Insurance Amount, on the Monthly Due Date, equals the adjusted death benefit, minus the adjusted Contract Value on that date. The adjusted death benefit and the adjusted Contract Value are determined by using the Contract Value on the respective Monthly Due Date and deducting all applicable charges and fees, except the cost of insurance charge.

9	This minimum charge is based on a female Insured that is 0 at issue, assuming no subsequent increases in Face Amount.

Mortality and Expense Risk Fees (As an annualized percentage of daily net assets in each Subaccount)	Daily	0.60%	0.30%
Administrative Expenses	Monthly on the Issue Date and on each monthly due date	$12.00	$12.00, up to Attained Age 100
Loan Interest Rates	Interest is charged daily, and is due and payable at the end of each Policy year, or on the date of any Policy loan increase or repayment, if earlier.	These rates may change at our discretion, but are guaranteed not to exceed 6.5%.	For years 1 through 15, we will charge you loan interest at a rate of 4.5%, compounded annually. For years 16 and beyond, we will charge you loan interest at a rate 2.5%, compounded annually.
Optional Benefit Charges:
Accelerated Benefit Rider for Terminal Illness	When a benefit is paid under this rider	$250 plus the actuarial discount	$150 plus the actuarial discount
Accidental Death Benefit Rider (Per $1,000 of rider Face Amount)	Monthly on the Issue Date and on each monthly due date
◆ Minimum Charge 11		$0.08	$0.04
◆ Maximum Charge 12		$0.56	$0.51
◆ Charge for an Insured at Attained Age 35		$0.08	$0.06
Children’s Term Insurance Rider (Per $1,000 of rider amount)	Monthly on Issue Date and on each Monthly Due Date	$0.87	$0.78
Monthly Disability Benefit Rider (Per $100 of monthly benefit)	Monthly on Issue Date and on each Monthly Due Date
◆ Minimum Charge 13		$6	$4
◆ Maximum Charge		$62	$45
◆ Charge at the Insured’s Attained Age 35		$7	$4.5
Waiver of Deduction Rider (As a percentage of all other monthly charges)	Monthly on the Issue Date and on each monthly due date
◆ Minimum Charge 13		6%	4%
◆ Maximum Charge		60%	45%
◆ Charge at the Insured’s Attained Age 35		7%	4.5%

Annual Portfolio Company Expenses 14	Minimum	Maximum
(Expenses that are deducted from Portfolio Company assets, including management fees, distribution and/or service (12b-1) fees, and other expenses)	0.19%	1.09%

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Rule 12b-1 Fees. We and/or FFS, the principal underwriter and distributor for the Policies, receive some or all of the 12b-1 fees from the Portfolios that charge a 12b-1 fee. See the prospectuses for the Portfolios for more information. The 12b-1 fees we and/or FFS receive are calculated as a percentage of the average daily net assets of the Portfolios owned by the Subaccounts available under this Policy and certain other variable insurance products that we issue.

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Administrative, Marketing and Support Service Fees (“Support Fees”). We and/or FFS may receive compensation from some of the Portfolios’ service providers for administrative and other services we perform relating to Variable Account operations that might otherwise have been provided by the Portfolios. The amount of this compensation is based on a percentage of the average assets of the particular Portfolios attributable to the Policy and to certain other variable insurance products that we issue. These percentages currently range from 0.00% to 0.25% and may be significant. Some service providers may pay us more than others.

Incoming Payments to Farmers and/or FFS
From the following Funds and their Service Providers:	Maximum % of assets*	From the following Funds and their Service Providers:	Maximum % of assets*
American Funds	0.25%	Franklin Templeton	0.25%
DWS	0.25%	Janus	0.25%
BNY Mellon	0.25%	PIMCO	0.15%
Fidelity®	0.25%	Principal	0.25%

*	Payments are based on a percentage of the average assets of each underlying Portfolio owned by the Subaccounts available under this Policy and under certain other variable insurance products offered by us.

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Other payments. We and/or FFS also may directly or indirectly receive additional amounts or different percentages of assets under management from some of the Portfolio’s service providers with regard to the variable insurance products we issue. These payments may be derived, in whole or in part, from the advisory fees deducted from assets of the Portfolios. Policy Owners, through their indirect investment in the Portfolios, bear the costs of these advisory fees. Certain investment advisors or their affiliates may provide us and/or FFS with wholesaling services to assist us in the distribution of the Policy, may pay us and/or FFS amounts to participate in sales meetings or may reimburse our sales costs, and may provide us and/or FFS with occasional gifts, meals, tickets, or other compensation or reimbursement. The amounts in the aggregate may be significant and may provide the investment advisor (or other affiliates) with increased access to us and FFS.

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The date insurance coverage under the Policy becomes effective;

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The date you receive notice that either the temporary insurance coverage or the application has been declined, and in no event later than 12:01 a.m. Pacific Time of the fifth day after Farmers has mailed a letter giving such notice; or

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The date Farmers receives a signed request from the Proposed Policy Owner(s) to cancel or withdraw either the Application or the TIA.

Changing the Owner	• You may change the Owner by providing a written request to us at any time while the Insured is alive, subject to any existing assignments of your Policy.
	• The change takes effect on the date that the written request is signed.
	• We are not liable for any actions we may have taken before we received the written request.
	• Changing the Owner does not automatically change the Beneficiary. Changing the Owner may have tax consequences. You should consult a tax advisor before changing the Owner.
Selecting and Changing the Beneficiary	• If you designate more than one Beneficiary, then each Beneficiary shares equally in any Death Benefit Amount Payable unless the Beneficiary designation states otherwise.
	• If the Beneficiary dies before the Insured, then any contingent Beneficiary becomes the Beneficiary.
	• If both the Beneficiary and contingent Beneficiary die before the Insured, then we will pay the Death Benefit Amount Payable to the Owner or the Owner’s estate once the Insured dies.
	• You can request a delay clause that provides that if the Beneficiary dies within a specified number of days (maximum 180 days) following the Insured’s death, then the Death Benefit Amount Payable will be paid as if the Beneficiary had died first.
	• You can change the Beneficiary by providing us with a written request while the Insured is living.
	• The change in Beneficiary is effective as of the date you sign the written request.
	• We are not liable for any actions we may have taken before we received the written request.

Assigning the Policy – Collateral Assignment	• You may assign Policy rights while the Insured is alive.
	• The Owner retains any Ownership rights that are not assigned.
	• The assignee may not change the Owner or the Beneficiary, and may not elect or change an optional method of payment. We will pay any amount payable to the assignee in a lump sum.
	• Claims under any assignment are subject to proof of interest and the extent of the assignment.
	• We are not:
	• bound by any assignment unless we receive and record a Written Notice of the assignment.
	• responsible for the validity of any assignment.
	• liable for any payment we made before we received Written Notice of the assignment.
	Assigning the Policy may have tax consequences. See the “Federal Tax Considerations” section.

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conform the Policy, our operations, or the Variable Account’s operations to the requirements of any law (or regulation issued by a government agency) to which the Policy, our company or the Variable Account is subject;

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assure continued qualification of the Policy as a life insurance contract under the federal tax laws; or

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reflect a change in the Variable Account’s operations.

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the Maturity Date (Insured’s Attained Age 121);

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the date the Insured dies;

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a grace period ends before we receive the sufficient Premium Payment or Loan Repayment or both as defined in the Grace Period section; or

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the date you Surrender the Policy in full.

a.

the tax problem resolves itself prior to the refund date; or

b.

the tax problem relates to a MEC and we receive a signed acknowledgment from the Owner prior to the refund date instructing us to process the premium notwithstanding the tax issue involved.

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you increase or decrease the Face Amount;

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you change the death benefit option;

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you change or add a rider;

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you take a partial Surrender when you have elected the level death benefit option (Option B); or

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the Insured’s Premium Class changes (for example, from nicotine to non-nicotine, or from substandard to standard).

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You must put at least 1% of each premium in any Subaccount you select or the Fixed Account.

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Allocation percentages must be in whole numbers and the sum of the percentages must equal 100.

Your Contract Value:	• varies from day to day, depending on the investment experience of the Subaccounts you choose, the interest credited to the Fixed Account, the charges deducted and any other Policy transactions (such as additional premium payments, transfers, partial Surrenders and Policy loans);
	• serves as the starting point for calculating values under a Policy;
	• equals the sum of all values in each Subaccount, the loan account (the Loan Account Value), and the Fixed Account (the Fixed Account Value);
	• is determined on the Issue Date and on each Business Day;
	• on the Issue Date, equals the Initial Premium received, minus the premium expense charge, and minus the Monthly Deductions; and
	• has no guaranteed minimum amount and may be more or less than Premiums paid.

The number of units in any Subaccount on any Business Day equals:	• the number of units you had in any Subaccount at the end of the preceding Business Day; plus
	• units purchased with additional Premiums since the preceding Business Day and allocated to the Subaccounts, net of the premium expense charge; plus
	• units purchased via transfers from another Subaccount, the Fixed Account, or loan account, to the Subaccount since the preceding Business Day; minus
	• units redeemed as part of a transfer to another Subaccount, the Fixed Account, or the loan account, plus units redeemed to cover any associated transfer fees since the preceding Business Day; minus
	• units redeemed to pay partial Surrenders and partial Surrender fees assessed against the Subaccount since the preceding Business Day; minus
	• units redeemed to pay for the pro-rata share of the Monthly Deductions on the Business Day on or after the Monthly Due Date.

The Fixed Account Value on any Business Day after the Issue Date equals:	• the Fixed Account Value on the preceding Business Day plus interest from the preceding Business Day to the current Business Day; plus
	• the portion of the premium(s), minus the premium expense charge, allocated to the Fixed Account since the preceding Business Day, plus interest from the date such premium(s) were received to the current Business Day; plus
	• any amounts transferred to the Fixed Account since the preceding Business Day, plus interest from the effective date of such transfers since the preceding Business Day to the current Business Day; minus
	• the amount of any transfer from the Fixed Account to the Subaccounts and the loan account, and any associated transfer fees, since the preceding Business Day, plus interest on each transferred amount and transfer fees from the effective date of such transfers since the preceding Business Day to the current Business Day; minus
	• the amount of any partial Surrenders and any applicable partial Surrender fees deducted from the Fixed Account since the preceding Business Day, plus interest on those Surrendered amounts from the effective date of each partial Surrender since the preceding Business Day to the current Business Day; minus
	• the amount equal to a pro-rata share of the Monthly Deduction on the Business Day on or after each Monthly Due Date, for the month beginning on that Monthly Due Date.

The Loan Account Value on any Business Day after the Issue Date equals:	• the Loan Account Value on the preceding Business Day plus interest from the preceding Business Day to the date of calculation; plus
	• any amounts transferred to the loan account since the preceding Business Day, plus interest from the effective date of such transfers to the date of calculation; minus
	• the amount of any transfer from the loan account to the Subaccounts and the Fixed Account since the preceding Business Day, plus interest from the effective date of such transfers since the preceding Business Day to the date of calculation.

Services and benefits we provide:	• the death benefit, Surrender and loan benefits under the Policy, and the benefits provided by riders.
	• investment options, including premium allocations.
	• administration of elective options.
	• the distribution of reports to Owners.

Costs and expenses we incur:	• costs associated with processing and underwriting applications, issuing and administering the Policy (including any riders).
	• overhead and other expenses for providing services and benefits.
	• sales and marketing expenses, including compensation paid in connection with the sale of the Policies.
	• other costs of doing business, such as collecting Premiums, maintaining records, processing claims, affecting transactions, and paying federal, state and local premium and other taxes and fees.

Risks we assume include but are not limited to:	• that the cost of insurance charges we deduct are insufficient to meet our actual claims because Insureds die sooner than we anticipate.
	• that the costs of providing the services and benefits under the Policies exceed the charges we deduct.

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The monthly administration charge; plus

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The cost of insurance charge for the Policy; plus

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The monthly underwriting and sales expense charge, if any; plus

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The risk charges of any attached riders.

1.

the monthly cost of insurance rate per $1,000; times

2.

the table rating factor charge for your Policy, if any, as shown on your Policy’s specifications page; plus

3.

the flat extra charge for your Policy, if any, as shown on your Policy’s specifications page.

1.

the adjusted death benefit; minus

2.

the adjusted Contract Value on that date.

1.

Find the appropriate monthly underwriting and sales expense charge per $1,000 for the Insured’s Issue Age in Appendix C; then

2.

Multiply this charge per $1,000 by the original Face Amount; and then

3.

Divide the result by 1,000.

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Monthly Underwriting and Sales Expense Charge discount (“MUSEC discount”). We may provide a discount on the base monthly underwriting and sales expense charge if a “qualifying” policy is in force, applied for, or pending when we receive your Policy application. Qualifying policies currently include those where the Policy Owner, the payor of the Policy or the primary Insured on the Policy is an active driver on a Farmers Insurance® auto policy, or is one of the named Insureds under a Farmers Insurance® home owner’s or renter’s policy, or owns another life insurance or commercial policy issued by us. We may also provide the discount prospectively if, after issue, you purchase a qualifying policy, subject to state restrictions. Contact us or your agent for details concerning the rate of MUSEC discount that may be applied to your Policy. The size of the qualifying policy does not affect the amount of the discount.

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Accidental Death Benefit Rider

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Children’s Term Insurance Rider

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Waiver of Deduction Rider

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Monthly Disability Benefit Rider (not available effective August 7, 2015)

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your Contract Value in each Subaccount; multiplied by

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the daily portion of the annual mortality and expense risk charge rate, which is currently 0.30%.

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We reserve the right, at our discretion, to increase the annual mortality and expense risk charge rate to no more than 0.60%.

1.

you pay Premiums equal to or not much higher than the minimum premium shown in your Policy, or

2.

investment performance is too low.

1.

the Surrender Charge for the Face Amount on the Issue Date; plus

2.

the Surrender Charge for each increase in Face Amount.

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We currently allow you to make 12 transfers each Policy year free from charge. Any unused free transfers do not carry over to the next Policy year.

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We charge $25 for each additional transfer. We will not increase this charge.

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For purposes of assessing the transfer charge, each written or telephone request is considered to be one transfer, regardless of the number of Subaccounts (or Fixed Account) affected by the transfer.

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We deduct the transfer charge from the Subaccounts and Fixed Account on a pro-rata basis, or on a different basis if you so request.

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Transfers we effect on the Reallocation Date, and transfers due to loans, dollar cost averaging, and death benefit processing do not count as transfers for the purpose of assessing this charge.

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For years 1 through 15, we will charge you loan interest at a rate of 4.5%, compounded annually. For years 16 and beyond, we will charge you loan interest at a rate 2.5%, compounded annually. These rates may change at our discretion, but are guaranteed not to exceed 6.5%.

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Interest is charged daily, and is due and payable at the end of each Policy year, or on the date of any Policy loan increase or repayment, if earlier.

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Unpaid interest becomes part of the Outstanding Loan Amount and accrues interest daily.

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Amounts in the loan account earn interest at the guaranteed minimum rate of 2.5%  per year.

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We may charge a fee not to exceed $25 for each additional annual report you request. We currently charge $0 for each additional annual report you request.

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Certain riders attached to the Policy will have their own charges. See the “Fee Table” for more information.

Death benefit Amount Payable equals:	• the death benefit (described below) in effect as of the date of the Insured’s death; minus
	• any Monthly Deductions due and unpaid at the date of the Insured’s death; minus
	• any Outstanding Loan Amount you owe on the Policy loan(s); plus
	• the amounts to be paid under the terms of any riders you added to the Policy.

The variable death benefit under Option A is the greater of:	• your Policy’s Face Amount, plus your Contract Value on the date of the Insured’s death; or
	• your Contract Value on the date of the Insured’s death multiplied by the applicable death benefit percentage.

The level death benefit under Option B is the greater of:	• your Policy’s Face Amount on the date of the Insured’s death; or
	• your Contract Value on the date of the Insured’s death multiplied by the applicable death benefit percentage.

Attained Age		Death Benefit Percentage
40 and under		250%
41 to 45		250% minus 7% for each age over age 40
46 to 50		209% minus 6% for each age over age 46
51 to 55		178% minus 7% for each age over age 51
56 to 60		146% minus 4% for each age over age 56
61 to 65		128% minus 2% for each age over age 61
66 to 70		119% minus 1% for each age over age 66
71 to 74		113% minus 2% for each age over age 71
75 to 90		105%
91 to 94		104% minus 1% for each age over age 91
95 and above		100%

•

You may increase the Face Amount by submitting a signed, written request and providing evidence of insurability satisfactory to us. The increase will be effective on the Monthly Due Date following our approval of your request. We can deny your request for reasons including, but not limited to, the following:

¡

We do not wish to increase the death benefits due to the Insured’s health, occupation, avocations, or any factor that we believe has a bearing on the Insured’s risk of death.

¡

We conclude the Insured has an excessive amount of insurance coverage.

¡

We conclude the Owner no longer has an insurable interest in the Insured.

•

You can increase the Face Amount at any time after the first Policy year and before the Insured’s Attained Age 81.

•

The minimum increase is $10,000.

•

An additional monthly underwriting and sales expense charge will be imposed each month during the 60 months following each increase in Face Amount. We assess this charge on the amount of the increase in Face Amount. See the “Charges and Deductions – Monthly Deduction – Monthly Underwriting and Sales Expense Charge” section of this prospectus for an explanation of how this charge is calculated.

•

An additional Surrender Charge will be imposed on full Surrenders occurring within 9 years of each increase in Face Amount.

•

Increasing the Face Amount will increase your Policy’s minimum premium.

•

You may decrease the Face Amount, but not below the minimum Face Amount shown on your Policy specifications page.

•

You must submit a signed, written request to decrease the Face Amount. Evidence of insurability is not required.

•

Any decrease will be effective on the Monthly Due Date following our approval of your request.

•

Any decrease will first be used to reduce:

¡

the most recent increase; then

¡

the next most recent increases in succession; and then

¡

the Face Amount on the Issue Date.

•

A reduction in Face Amount will not reduce any monthly underwriting and sales expense charges or Surrender Charges on the Policy.

•

A decrease in Face Amount may require that a portion of a Policy’s Cash Surrender Value be distributed as a partial Surrender in order to maintain federal tax compliance. Decreasing the Face Amount may also cause your Policy to become a Modified Endowment Policy, or “MEC,” under federal tax law and receive less favorable tax treatment than other life insurance policies. See the “Federal Tax Considerations – Tax Treatment of Policy Benefits – Modified Endowment Contracts” section.

•

Decreasing the Face Amount will reduce your Policy’s minimum premium.

•

Decreasing the Face Amount may increase the rates we charge you for the cost of insurance. Except for juvenile policies, we currently charge higher rates if the Face Amount is below $150,000 than if it is at least $150,000.

Optional Benefits with No Additional Charge
Name of Benefit	Purpose	Brief Description of Restrictions/Limitation
Accelerated Benefit Rider for Terminal Illness	Access up to 50% of the Death Benefit (subject to a $150,000 maximum) under the Policy if the Insured is diagnosed with a terminal illness as defined in the Policy.	• The Policy’s expiration/maturity date must be more than 2 years from the request of the benefit under this rider. • Consent from irrevocable beneficiaries and permitted assignees, if any, needed. • No benefit if the Policy Owner is a) required by law to use this benefit to meet the claims of creditors, whether in bankruptcy or otherwise, or b) required by a government entity to use this benefit in order to apply for, obtain, or otherwise keep a
		government benefit or entitlement, or for any other reason. • No benefit if the Terminal Illness results from actions of the Insured that are intended or would be expected to result in injury.
Automatic Increase Benefit Rider	Automatic annual increases in Face Amount.	• Increases apply on each Policy Anniversary prior to the Insured’s Attained Age 55, or on the first two Policy Anniversaries if the Insured’s Issue Age is between 53 and 55 when the rider is issued. • The rider ends when the Insured attains age 55.
Accidental Death Benefit Rider	Payment of an additional death benefit if the Insured’s death was caused by accidental bodily injury.	• Exclusions from Coverage – Death resulting from: ¡ Suicide whether sane or insane; ¡ War or any act attributable to war, declared or undeclared, whether the Insured is in the military service or not; ¡ Bodily or mental infirmity, illness or disease of any kind; ¡ Bacterial infection other than infection occurring as a result of accidental or external bodily injuries; ¡ Committing or attempting to commit an assault or felony; ¡ Voluntary taking of any poison, drug or sedative, asphyxiation from voluntary inhalation of gas; ¡ Participating in aviation, except as a passenger.
Children’s Term Insurance Rider	Term insurance on the Insured’s current and future legal dependent children.	• Insurance coverage for each insured child continues until the earlier: (1) the child’s 22nd birthday, or (2) the Insured reaches Attained Age 65.
Waiver of Deduction Rider	Waives Monthly Deductions due to the Insured’s qualifying total disability. This rider may help prevent the Policy from lapsing during a period of total disability by waiving Monthly Deductions.	• Exclusions from coverage – disability resulting from: ¡ Intentional self-inflicted injury; ¡ War or any act attributable to war, declared or undeclared, while the Insured is in the military, naval or air service of any country; ¡ Participation in aviation, except as a passenger
Monthly Disability Benefit Rider	Payment of a Monthly Disability Benefit if the insured is totally Disabled.	• Effective August 7, 2015, the Monthly Disability Benefit Rider was no longer available and could not be added to a Policy; Monthly Disability Benefit Riders that were in force as of August 7, 2015 were not affected • Exclusions from Coverage – Disability resulting from: ¡ Intentional self-inflicted injury; ¡ War or any act attributable to war, declared or undeclared, while the Insured is in the military, naval or air service of any country; or ¡ Participation in aviation, except as a passenger.

= min(150000, 50% × Death Benefit Available)

= min(150000, 50% × (325000 + 123000 – 50000))

= min(150000, 199000)

= 150000

=	Maximum Benefit Available	x	Outstanding Loan Balance
	Current Death Benefit

=	150000	× 50000
	(325000 + 123000 – 50000)
	= 18844.22

=	Max Benefit	– Reduction for Loan – Administrative  Charge
	(1 + Interest Rae + for Discounting)

=	150000	—	18844.22–150
	1 + 2.96%
	= 126693.42

GUARANTEED MAXIMUM RISK RATES PER $1,000 ATTAINED AGE
AGE	RISK RATE	AGE	RISK RATE	AGE	RISK RATE	AGE	RISK RATE	AGE	RISK RATE
1	0.104	15	0.104	29	0.083	43	0.104	57	0.125
2	0.104	16	0.125	30	0.083	44	0.104	58	0.125
3	0.083	17	0.146	31	0.083	45	0.104	59	0.125
4	0.083	18	0.146	32	0.083	46	0.104	60	0.125
5	0.083	19	0.146	33	0.083	47	0.104	61	0.146
6	0.083	20	0.146	34	0.083	48	0.104	62	0.146
7	0.083	21	0.146	35	0.083	49	0.104	63	0.146
8	0.083	22	0.125	36	0.083	50	0.104	64	0.167
9	0.083	23	0.125	37	0.083	51	0.104	65	0.167
10	0.083	24	0.104	38	0.083	52	0.104	66	0.167
11	0.083	25	0.104	39	0.083	53	0.104	67	0.188
12	0.083	26	0.104	40	0.083	54	0.104	68	0.188
13	0.083	27	0.104	41	0.083	55	0.125	69	0.188
14	0.083	28	0.083	42	0.083	56	0.125

Attained Age	Risk Rate	Guar Max Monthly Charges for $100,000 Coverage
57	0.125	$12.50
58	0.125	$12.50
59	0.125	$12.50
60	0.125	$12.50
61	0.146	$14.60
62	0.146	$14.60
63	0.146	$14.60
64	0.167	$16.70
65	0.167	$16.70
66	0.167	$16.70
67	0.188	$18.80
68	0.188	$18.80
69	0.188	$18.80

Attained Age	Date	Total Face Amount
51	9/20/2020	125,000
52	9/20/2021	128,750
53	9/20/2022	132,500
54	9/20/2023	136,250
55	9/20/2024	136,250
56	9/20/2025	136,250

Insured’s  Attained Age	Child 1’s  Attained Age	Child 2’s Attained Age	Guar Max Monthly Risk Charge
40	5	na	$4.35
41	6	na	$4.35
		na
45	10	0	$4.35
46	11	1	$4.35
56	21	11	$4.35
57	22	12	$4.35
64	29	19	$4.35
65	30	20	$—

GUARANTEED MAXIMUM MONTHLY WAIVER OF DEDUCTION RISK RATES
Attained Age	Rate	Attained Age	Rate
30 and below	.06	51-55	.15
31-40	.07	56-59	.20
41-45	.08	60 and above	.00
46-50	.10

GUARANTEED MAXIMUM MONTHLY RISK RATES FOR MONTHLY DISABILITY BENEFIT
Attained Age	Rate	Attained Age	Rate
21-30	.06	46-50	.10
31-40	.07	51-55	.15
41-45	.08	56 and above	.20

•

the Contract Value as of such date; minus

•

any Surrender Charge as of such date; minus

•

any Monthly Deductions due and unpaid as of such date; minus

•

any Outstanding Loan Amount (including interest you owe) as of such date.

Full Surrender Conditions:	• You must make your Surrender request in writing.
	• Your written Surrender request must contain your signature.
	• Send your written request to the Service Center.
	• The Insured must be alive and the Policy must be in force when you make your written request. A Surrender is effective as of the end of the Business Day on which we receive your written request and your Policy.
	• You will incur a Surrender Charge if you Surrender the Policy during the first nine Policy years or within nine years after any increase in the Face Amount. See the “Charges and Deductions” section.
	• Once you Surrender your Policy, all coverage and other benefits under it cease and cannot be reinstated.
	• We will pay you the Cash Surrender Value in a lump sum usually within seven calendar days unless you request other arrangements.

Partial Surrender Conditions:	• You must make your partial Surrender request in writing.
	• Your written partial Surrender request must contain your signature.
	• Send your written request to the Service Center.
	• You may make only one partial Surrender each calendar quarter.
	• You partial Surrender request must be at least $500.
	• You cannot withdraw more than 75% of the Cash Surrender Value without Surrendering the Policy.
	• You can specify the Subaccount(s) and Fixed Account from which to make the partial Surrender, otherwise we will deduct the amount from the Subaccounts and the Fixed Account on a pro-rata basis (that is, according to the percentage of Contract Value contained in each Subaccount and the Fixed Account). No portion of the loan account may be withdrawn.
	• We will price complete partial Surrender requests that we receive from you at our Service Center before the NYSE closes for regular trading (usually, 4:00 p.m. Eastern Time, 1:00 p.m. Pacific Time) using the Accumulation Unit value determined at the close of that regular trading session. If we receive your complete partial Surrender request after the close of regular trading on the NYSE, we will price your partial Surrender request using the Accumulation Unit value determined at the close of the next regular trading session of the NYSE.
	• We will reduce your Contract Value by the amount of the partial Surrender you requested plus any processing fee.
	• We generally will pay a partial Surrender request within seven calendar days after the Business Day when we receive the request.

•

the NYSE is closed, other than customary weekend and holiday closings, or trading on the NYSE is restricted as determined by the SEC; or

•

the SEC permits, by an order, the postponement for the protection of Policy Owners; or

•

the SEC determines that an emergency exists that would make the disposal of securities held in the Variable Account or the determination of their value not reasonably practicable.

•

You may make an unlimited number of transfers in a Policy year from and among the Subaccounts (subject to the “Policy and Procedures Regarding Disruptive Trading and Market Timing” section below).

•

You may only make one transfer each Policy year from the Fixed Account (unless you choose dollar cost averaging).

•

You may request transfers in writing (in a form we accept), or by telephone. You should send written requests to the Service Center.

•

For Subaccount transfers, you must transfer at least the lesser of $250, or the total value in the Subaccount.

•

For Fixed Account transfers, you may not transfer more than 25% of the value in the Fixed Account, unless the balance after the transfer is less than $250, in which case the entire amount will be transferred.

•

We charge $25 for the 13th and each additional transfer during a Policy year, and unless you instruct us otherwise we deduct the transfer charge from the Subaccounts and Fixed Account on a pro-rata basis.

•

We consider each written or telephone request to be a single transfer, regardless of the number of Subaccounts (or Fixed Account) involved.

•

We will price complete transfer requests that we receive at our Service Center before the NYSE closes for regular trading (usually, 4:00 p.m. Eastern Time, 1:00 p.m. Pacific Time) using the Accumulation Unit value determined at the close of that regular trading session of the NYSE. If we receive your complete transfer request after the close of regular trading on the NYSE, we will price the transfer request using the Accumulation Unit value determined at the close of the next regular trading session of the NYSE.

•

We are not liable for any loss, damage, cost or expense from complying with telephone instructions we reasonably believe to be authentic. You bear the risk of any such loss.

•

We will employ reasonable procedures to confirm that telephone instructions are genuine.

•

Such procedures may include requiring forms of personal identification prior to acting upon telephone instructions, providing written confirmation of transactions to you, and/or tape recording telephone instructions received from you.

•

If we do not employ reasonable confirmation procedures, we may be liable for losses due to unauthorized or fraudulent instructions.

•

dilution of the interests of long-term investors in a Subaccount if market timers manage to transfer into an underlying Portfolio at prices that are below the true value or to transfer out of the underlying Portfolio at prices that are above the true value of the underlying Portfolio’s investments (some market timers attempt to do this through methods known as “time-zone arbitrage” and “liquidity arbitrage”);

•

reduced investment performance due to adverse effects on Portfolio management by:

¡

impeding a Portfolio manager’s ability to sustain an investment objective;

¡

causing the underlying Portfolio to maintain a higher level of cash than would otherwise be the case; or

¡

causing an underlying Portfolio to liquidate investments prematurely (or otherwise at an inopportune time) in order to pay partial Surrenders or transfers out of the underlying Portfolio; and

•

increased costs to you in the form of increased brokerage and administrative expenses. These costs are borne by all Policy Owners invested in those Subaccounts, not just those making the transfers.

•

transfers in excess of $1,000,000 per Policy, per day

•

terminate all telephone, website, email or fax transfer privileges;

•

limit the total number of transfers;

•

place further limits on the dollar amount that may be transferred;

•

require a minimum period of time between transfers; or

•

refuse transfer requests from intermediaries acting on behalf of you.

•

impose redemption fees on transfers;

•

expressly limit the number, size or frequency of transfers in a given period (except for certain Subaccounts listed above where transfers that exceed a certain size are prohibited); or

•

allow a certain number of transfers in a given period.

Loan Conditions:	• You may take a loan against the Policy for amounts up to the Cash Surrender Value, as calculated at the end of the Business Day on which we receive your signed request, minus loan interest you would have to pay by the next Policy anniversary, and minus three Monthly Deductions, or the number of Monthly Deductions due prior to the next Policy anniversary, if fewer.
	• To secure the loan, we transfer an amount equal to the loan from the Subaccounts and Fixed Account to the loan account, which is a part of our General Account. If your loan request does not specify any allocation instructions, we will transfer the loan from the Subaccounts and the Fixed Account on a pro-rata basis (that is, according to the percentage of Contract Value contained in each Subaccount and the Fixed Account).
	• Amounts in the loan account earn interest at the guaranteed minimum rate of 2.5% per year, compounded annually. We may credit the loan account with an interest rate different from the Fixed Account.
	• We normally pay the amount of the loan within seven calendar days after we receive a proper loan request at the Service Center. We may postpone payment of loans under certain conditions. See the “Full and Partial Surrenders – When We Will Make Payments” section. We charge you interest on your loan. The loan interest rate for Policy years 1 through 15 is 4.5% per year, compounded annually. The loan interest rate for Policy years 16 and beyond is 2.5% per year, compounded annually. This loan interest rate is guaranteed never to exceed 6.5% per year, compounded annually. Interest accrues daily and is due and payable at the end of each Policy year, or on the date of any loan increase or repayment, if earlier. Unpaid interest becomes part of the Outstanding Loan Amount and accrues interest daily.
	• You may repay all or part of your Outstanding Loan Amount at any time by sending the repayment to the Service Center. Loan repayments must be at least $25, and must be clearly marked as “loan repayment” or they will be credited as Premiums.
	• Upon each loan repayment, we will transfer an amount equal to the loan repayment from the loan account to the fixed and/or Subaccounts according to your current premium allocation instructions.
	• We deduct any Outstanding Loan Amount (including any interest you owe), from the Cash Surrender Value and from the Death Benefit on the Insured’s death.
	• Unpaid loan amounts (including any interest you owe) will reduce the Cash Surrender Value and possibly cause your Policy to fail the Grace Premium Test, which may result in the Policy entering the 61-day grace period. See “Policy Lapse and Reinstatement .”

1.

Provide evidence of insurability sufficient to demonstrate that there has been no material change in the health of the Insured since the Issue Date and that there has been no material change in the health of any natural persons covered under any riders attached to this policy since that rider’s Issue Date;

2.

Pay sufficient premium payments such that after deducting all due and unpaid Monthly Deductions from the first day of the Grace Period to and including the effective date of Reinstatement: a) You must pay sufficient premium payments such that after deducting all due and unpaid Monthly Deductions from the first day of the Grace Period to and including the effective date of Reinstatement; and (b) You must pay sufficient premium payments so the policy would pass the Grace Exemption Test (described in the diagram above) is passed as of the effective date of the reinstatement of the Policy, plus pay an additional three minimum premium payments.

•

All distributions other than death benefits from a MEC, including distributions upon Surrender and partial Surrender, will be treated first as distributions of gain taxable as ordinary income and as tax-free recovery of the Policy Owner’s investment in the Policy only after all gain has been distributed.

•

Loans taken from or secured by (e.g., by assignment) such a Policy are treated as distributions and taxed accordingly.

•

A 10% additional income tax is imposed on the amount included in income except where the distribution or loan is made when you have Attained Age 59 1/2 or are disabled, or where the distribution is part of a series of substantially equal periodic payments for your life (or life expectancy) or the joint lives (or joint life expectancies) of you, and the Beneficiary.

•

If a Policy becomes a MEC, distributions that occur during the Policy year will be taxed as distributions from a MEC. In addition, distributions from a Policy within two years before it becomes a MEC will be taxed in this manner. This means that a distribution from a Policy that is not a MEC at the time when the distribution is made could later become taxable as a distribution from a MEC.

Investment Objective	Portfolio and Adviser/Subadviser	Current Expenses	Average Annual Total Returns (as of 12/31/25)
			1 year		5 year	10 year
Seeks to provide a high total return (including income and capital gains) consistent with preservation of capital over the long term.	American Funds Asset Allocation Fund (Class 2 Shares)   Investment Adviser: Capital Research and Management CompanySM	0.54%		15.85%	8.97%	9.77%
Seeks (1) to provide a level of current income that exceeds the average yield on U.S. stocks generally and (2) to provide a growing stream of income over the years. The secondary objective is to provide growth of capital.	American Funds Capital Income Builder® (Class 2 Shares)1   Investment Adviser: Capital Research and Management CompanySM	0.66%		20.41%	9.08%	7.59%
Seeks to provide long-term growth of capital while providing current income.	American Funds Capital World Growth and Income Fund (Class 2 Shares)1   Investment Adviser: Capital Research and Management CompanySM	0.76%		24.80%	10.29%	11.02%
Seeks to provide a long-term growth of capital.	American Funds Global Growth Fund (Class 2 Shares)   Investment Adviser: Capital Research and Management CompanySM	0.76%		21.62%	8.23%	12.17%
Seeks to provide growth of capital.	American Funds Growth Fund (Class 2 Shares)   Investment Adviser: Capital Research and Management CompanySM	0.58%		20.24%	13.37%	17.97%
Seeks to achieve long-term growth of capital and income.	American Funds Growth-Income Fund (Class 2 Shares)   Investment Adviser: Capital Research and Management CompanySM	0.53%		18.06%	13.90%	13.92%
Seeks to provide long-term growth of capital.	American Funds EUPAC Fund (Class 2 Shares)3   Investment Adviser: Capital Research and Management CompanySM	0.78%		26.77%	3.40%	7.00%
Seeks capital growth.	BNY Mellon Small Cap Portfolio (Service Shares)4   Investment Adviser: BNY Mellon Investment Advisors, Inc.   Subadviser: Newton Investment Management North America, LLC	0.98%		10.70%	4.00%	7.56%
Seeks long-term capital appreciation.	BNY Mellon Sustainable U.S. Equity Portfolio, Inc. (Service Shares)   Investment Adviser: BNY Mellon Investment Advisors, Inc.   Subadviser: Newton Investment Management Limited	0.91%		15.67%	11.65%	13.27%
Seeks long-term growth of capital.	DWS CROCI® International VIP (Series I) (Class A Shares)1   Investment Adviser: DWS Investment Management Americas, Inc.	0.94%		44.90%	10.86%	8.21%
Seeks to achieve a high rate of total return.	DWS CROCI® U.S. VIP (Series II) (Class A Shares)1   Investment Adviser: DWS Investment Management Americas, Inc.	0.79%		17.19%	12.30%	8.17%
Seeks above-average capital appreciation over the long term.	DWS Global Small Cap VIP (Series I) (Class A Shares)1   Investment Adviser: DWS Investment Management Americas, Inc.	1.08%		20.51%	6.74%	6.70%
Seeks maximum current income to the extent consistent with stability of principal.	DWS Government Money Market VIP (Series II) (Class A Shares)   Investment Adviser: DWS Investment Management Americas, Inc.	0.39%		3.96%	2.97%	1.87%
Seeks to provide a high level of current income.	DWS High Income VIP (Series II) (Class A Shares)1   Investment Adviser: DWS Investment Management Americas, Inc.	0.90%		8.94%	4.25%	6.00%
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.	Fidelity® VIP Freedom 2010 Portfolio (Service Class 2 Shares)   Investment Adviser: Fidelity Management & Research Company LLC	0.63%		10.26%	2.89%	5.46%
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.	Fidelity® VIP Freedom 2015 Portfolio (Service Class 2 Shares)   Investment Adviser: Fidelity Management & Research Company LLC	0.66%		11.66%	3.73%	6.33%
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.	Fidelity® VIP Freedom 2020 Portfolio (Service Class 2 Shares)   Investment Adviser: Fidelity Management & Research Company LLC	0.69%		12.99%	4.57%	7.11%
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.	Fidelity® VIP Freedom 2025 Portfolio (Service Class 2 Shares)   Investment Adviser: Fidelity Management & Research Company LLC	0.71%		14.23%	5.25%	7.75%
Seeks high total return with a secondary objective of principal preservation as the fund approaches its target date and beyond.	Fidelity® VIP Freedom 2030 Portfolio (Service Class 2 Shares)   Investment Adviser: Fidelity Management & Research Company LLC	0.74%		15.16%	5.98%	8.61%
Seeks high total return with a secondary objective of principal preservation.	Fidelity® VIP Freedom Retirement Portfolio (Service Class 2 Shares)5   Investment Adviser: Fidelity Management & Research Company LLC	0.61%		9.31%	2.08%	4.17%
Seeks high current income and, as a secondary objective, capital appreciation.	Fidelity® VIP FundsManager 20% Portfolio (Service Class 2 Shares)1   Investment Adviser: Fidelity Management & Research Company LLC	0.77%		9.03%	3.00%	4.08%
Seeks high total return.	Fidelity® VIP FundsManager 50% Portfolio (Service Class 2 Shares)1   Investment Adviser: Fidelity Management & Research Company LLC	0.89%		14.03%	5.63%	7.09%
Seeks high total return.	Fidelity® VIP FundsManager 70% Portfolio (Service Class 2 Shares)1   Investment Adviser: Fidelity Management & Research Company LLC	0.95%		16.91%	7.58%	8.95%
Seeks high total return.	Fidelity® VIP FundsManager 85% Portfolio (Service Class 2 Shares)1   Investment Adviser: Fidelity Management & Research Company LLC	0.98%		19.26%	8.93%	10.34%
Seeks to achieve capital appreciation.	Fidelity® VIP Growth Portfolio (Service Class Shares)   Investment Adviser: Fidelity Management & Research Company LLC	0.65%		14.80%	13.59%	17.33%
Seeks investment results that correspond to the total return of common stocks publicly traded in the United States, as represented by the S&P 500.	Fidelity® VIP Index 500 Portfolio (Service Class Shares)   Investment Adviser: Fidelity Management & Research Company LLC   Subadviser: Geode Capital Management, LLC	0.19%		17.66%	14.20%	14.59%
Seeks long-term growth of capital.	Fidelity® VIP Mid Cap Portfolio (Service Class Shares)   Investment Adviser: Fidelity Management & Research Company LLC	0.65%		11.66%	10.00%	10.48%
Seeks long-term total return. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small capitalization companies.	Franklin Small Cap Value VIP Fund (Class 2 Shares)2   Investment Adviser: Franklin Mutual Advisors, LLC	0.92%		7.65%	8.86%	9.81%
Seeks long-term capital growth. Under normal market conditions, the fund invests at least 80% of its net assets in investments of small-capitalization and mid-capitalization companies.	Franklin Small-Mid Cap Growth VIP Fund (Class 2 Shares)1   Investment Adviser: Franklin Advisors, Inc.	1.09%		2.52%	1.03%	9.89%
Seeks long-term capital growth, consistent with preservation of capital and balanced by current income.	Janus Henderson Balanced Portfolio (Service Class Shares)   Investment Adviser: Janus Henderson Investors US LLC	0.87%		14.82%	8.21%	9.86%
Seeks long-term growth of capital.	Janus Henderson Forty Portfolio (Institutional Shares)   Investment Adviser: Janus Henderson Investors US LLC	0.62%		18.14%	11.65%	16.24%
Seeks maximum total return, consistent with preservation of capital and prudent investment management.	PIMCO International Bond Portfolio (U.S. Dollar-Hedged) (Administrative Class Shares)   Investment Adviser: Pacific Investment Management Company LLC (“PIMCO”)	1.09%		3.95%	1.03%	2.88%
Seeks maximum total return, consistent with preservation of capital and prudent investment management.	PIMCO Low Duration Portfolio (Administrative Class Shares)   Investment Adviser: Pacific Investment Management Company LLC (“PIMCO”)	0.66%		5.52%	1.57%	1.79%
Seeks to provide as high a level of total return as is consistent with reasonable risk.	Principal SAM Balanced Portfolio (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.48%		13.65%	6.99%	8.01%
Seeks to provide a high level of total return consistent with a moderate degree of principal risk.	Principal SAM Conservative Balanced Portfolio (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.49%		11.28%	4.78%	6.12%
Seeks to provide long-term capital appreciation.	Principal SAM Conservative Growth Portfolio (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.49%		15.31%	8.74%	9.67%
Seeks to provide a high level of total return.	Principal SAM Flexible Income Portfolio (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.50%		9.61%	3.31%	4.85%
Seeks to provide long-term capital appreciation.	Principal SAM Strategic Growth Portfolio (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.49%		16.61%	9.88%	10.69%

1

This Portfolio is subject to an expense reimbursement or fee waiver arrangement resulting in a temporary expense reduction. See the Portfolio’s prospectus for additional information.

2

The Subaccount that invests in this Portfolio is closed to new investors.

3

Effective May 1, 2026, the American Funds International Fund is renamed American Funds EUPAC Fund.

4

Effective December 31, 2025, the BNY Opportunistic Small Cap Portfolio is renamed BNY Small Cap Portfolio.

5

Effective May 1, 2026, the Fidelity VIP Freedom Income Fund is renamed Fidelity VIP Freedom Retirement Fund.

GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES
Per 1,000 of Risk Insurance Amount
Attained Age	Male Non- Nicotine	Male Nicotine*		Female Non- Nicotine		Female Nicotine*		Attained Age		Male Non- Nicotine		Male Nicotine*		Female Non- Nicotine		Female Nicotine*
0	N/A	0.06001		N/A		0.03500		51		0.31471		0.61121		0.27458		0.53155
1	N/A	0.03834		N/A		0.02583		52		0.34732		0.67332		0.30551		0.59108
2	N/A	0.02750		N/A		0.01916		53		0.38498		0.74807		0.33812		0.65569
3	N/A	0.02000		N/A		0.01666		54		0.43269		0.83717		0.37242		0.72454
4	N/A	0.01750		N/A		0.01583		55		0.48629		0.93226		0.41176		0.79765
5	N/A	0.01750		N/A		0.01500		56		0.54161		1.03082		0.45446		0.87587
6	N/A	0.01833		N/A		0.01583		57		0.59527		1.12189		0.49970		0.95500
7	N/A	0.01833		N/A		0.01750		58		0.64897		1.20883		0.54664		1.03756
8	N/A	0.01833		N/A		0.01750		59		0.71194		1.31107		0.59443		1.12611
9	N/A	0.01916		N/A		0.01750		60		0.78840		1.43713		0.64478		1.21812
10	N/A	0.02000		N/A		0.01833		61		0.88176		1.59135		0.70019		1.31784
11	N/A	0.02333		N/A		0.02083		62		0.99037		1.76877		0.75899		1.42359
12	N/A	0.02833		N/A		0.02250		63		1.10924		1.95930		0.82119		1.53200
13	N/A	0.03333		N/A		0.02583		64		1.23333		2.15024		0.88933		1.64904
14	N/A	0.04334		N/A		0.02833		65		1.36266		2.33731		0.96510		1.77557
15	N/A	0.05501		N/A		0.03000		66		1.49387		2.51876		1.04768		1.91334
16	N/A	0.06502		N/A		0.03250		67		1.63122		2.70230		1.13961		2.06666
17	N/A	0.07419		N/A		0.03417		68		1.77642		2.89051		1.24177		2.23476
18	N/A	0.07920		N/A		0.03667		69		1.93972		3.09808		1.35336		2.42029
19	N/A	0.08170		N/A		0.03834		70		2.13062		3.33638		1.47947		2.63021
20	N/A	0.08337		N/A		0.03917		71		2.36296		3.62993		1.62358		2.86556
21	0.07920	0.11340		0.03917		0.05251		72		2.63536		3.97231		1.78151		3.12222
22	0.07920	0.11924		0.04000		0.05501		73		2.92321		4.31861		1.95420		3.40297
23	0.08003	0.12508		0.04000		0.05751		74		3.23355		4.69520		2.14598		3.69761
24	0.08086	0.13176		0.04167		0.06085		75		3.57270		5.11567		2.35698		4.00801
25	0.08337	0.13927		0.04250		0.06585		76		3.95664		5.58418		2.58905		4.34483
26	0.08670	0.14678		0.04584		0.07002		77		4.40517		6.12911		2.84664		4.70924
27	0.08837	0.15095		0.04751		0.07419		78		4.92894		6.75812		3.12826		5.10421
28	0.08670	0.15179		0.05001		0.07920		79		5.51951		7.45576		3.43845		5.53102
29	0.08587	0.15095		0.05251		0.08420		80		6.18263		8.22452		3.82529		6.06583
30	0.08503	0.15012		0.05501		0.08921		81		6.90909		9.04868		4.30288		6.72401
31	0.08420	0.15095		0.05835		0.09588		82		7.68497		9.90463		4.81112		7.40691
32	0.08503	0.15346		0.06168		0.10255		83		8.53991		10.82608		5.34786		8.10961
33	0.08754	0.15847		0.06585		0.11090		84		9.50017		11.87958		5.95007		8.84722
34	0.08921	0.16431		0.07086		0.12174		85		10.58031		13.08901		6.56439		9.53442
35	0.09338	0.17099		0.07669		0.13259		86		11.78364		14.41951		7.29574		10.33521
36	0.09755	0.18101		0.08253		0.14344		87		13.10250		15.85547		8.20718		11.33853
37	0.10339	0.19270		0.08754		0.15262		88		14.52614		17.37749		9.17863		12.35414
38	0.11090		0.20690		0.09171		0.16181		89		16.04444		18.97012		10.15602		13.29346
39	0.11757		0.22277		0.09671		0.17182		90		17.58287		20.53619		10.88246		13.83189
40	0.12675		0.24198		0.10255		0.18268		91		19.12353		22.05253		11.58260		14.27591
41	0.13760		0.26538		0.10923		0.19520		92		20.76683		23.63636		12.75537		15.24260
42	0.15095		0.29297		0.11674		0.21107		93		22.53307		25.30420		14.36966		16.62877
43	0.16681		0.32558		0.12592		0.22862		94		24.43244		27.11897		16.42157		18.59746
44	0.18435		0.36238		0.13676		0.24950		95		26.35437		28.98442		18.70919		20.97702
45	0.20356		0.39920		0.14928		0.27374		96		28.27211		30.79253		21.02122		23.30415
46	0.22277		0.43604		0.16431		0.30216		97		30.36217		32.73942		22.55449		24.71403
47	0.23864		0.46703		0.18184		0.33729		98		32.64693		34.84234		23.39817		25.28542
48	0.25118		0.49048		0.20105		0.37912		99		35.15185		37.11809		25.17504		26.84313
49	0.26705		0.52065		0.22277		0.42599		100+		0		0		0		0
50	0.28795		0.56005		0.24700		0.47624

GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES
Per 1,000 of Risk Insurance Amount
Attained Age	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*	Attained Age	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*
0	N/A	0.02000	N/A	0.02167	51	0.21024	0.43688	0.13343	0.33980
1	N/A	0.01250	N/A	0.01167	52	0.23029	0.47457	0.14845	0.37327
2	N/A	0.01083	N/A	0.00750	53	0.25118	0.51563	0.16682	0.41176
3	N/A	0.01000	N/A	0.00667	54	0.27291	0.56257	0.18686	0.45363
4	N/A	0.00917	N/A	0.00667	55	0.29381	0.61625	0.20607	0.50054
5	N/A	0.00833	N/A	0.00750	56	0.31304	0.67668	0.22528	0.55419
6	N/A	0.00833	N/A	0.00750	57	0.33311	0.74555	0.24366	0.61457
7	N/A	0.00750	N/A	0.00667	58	0.35486	0.82372	0.26372	0.68172
8	N/A	0.00750	N/A	0.00667	59	0.38163	0.91374	0.28461	0.75563
9	N/A	0.00750	N/A	0.00667	60	0.41511	1.01650	0.30886	0.83886
10	N/A	0.00833	N/A	0.00750	61	0.45949	1.13455	0.33813	0.93142
11	N/A	0.00917	N/A	0.00750	62	0.51060	1.26713	0.37076	1.03251
12	N/A	0.01167	N/A	0.00667	63	0.56928	1.41259	0.40842	1.14384
13	N/A	0.01667	N/A	0.00750	64	0.63303	1.57355	0.44861	1.26459
14	N/A	0.02417	N/A	0.01250	65	0.70187	1.74923	0.49300	1.39566
15	N/A	0.03501	N/A	0.01917	66	0.77496	1.93547	0.54077	1.53625
16	N/A	0.04918	N/A	0.02500	67	0.85568	2.13062	0.59192	1.68639
17	N/A	0.06502	N/A	0.02750	68	0.94574	2.34073	0.64898	1.84358
18	N/A	0.06669	N/A	0.02750	69	1.05021	2.57190	0.71531	2.01297
19	N/A	0.07003	N/A	0.02750	70	1.17422	2.83375	0.79261	2.20146
20	0.07086	0.07253	0.02667	0.02667	71	1.32123	3.13172	0.88429	2.39719
21	0.07086	0.07503	0.02667	0.02667	72	1.49473	3.46183	0.99206	2.60020
22	0.06919	0.07753	0.02667	0.02750	73	1.69488	3.81834	1.11768	2.82172
23	0.06836	0.08004	0.02667	0.03000	74	1.92185	4.18936	1.26375	3.06618
24	0.06836	0.08337	0.02667	0.03334	75	2.17244	4.56366	1.43206	3.33724
25	0.06586	0.08421	0.02667	0.03334	76	2.44854	4.93423	1.62528	3.63948
26	0.05668	0.08421	0.02667	0.03417	77	2.75469	5.30456	1.85038	3.97493
27	0.05168	0.08337	0.02834	0.03417	78	3.09981	5.68439	2.11698	4.34659
28	0.05001	0.08170	0.03084	0.03584	79	3.49733	6.08900	2.43912	4.80146
29	0.04668	0.08170	0.03251	0.03834	80	3.96100	6.53125	2.82086	5.37704
30	0.04501	0.08337	0.03417	0.04084	81	4.49358	7.00358	3.23010	6.05158
31	0.04835	0.08754	0.03584	0.04418	82	5.10686	7.60972	3.65596	6.81830
32	0.05168	0.09422	0.04001	0.04751	83	5.82291	8.40539	4.14748	7.64507
33	0.05668	0.10089	0.04668	0.05668	84	6.66210	9.31617	4.82958	8.44838
34	0.06586	0.10840	0.05418	0.06836	85	7.64417	10.36138	5.61965	9.42708
35	0.07670	0.11758	0.06169	0.07920	86	8.78935	11.54945	6.41042	10.58781
36	0.08838	0.12842	0.07003	0.09338	87	10.11221	12.88214	7.32646	11.73999
37	0.10006	0.14094	0.07670	0.10840	88	11.59966	14.33254	8.38254	12.99755
38	0.10923	0.15597	0.08254	0.12258	89	13.22687	15.86442	9.56128	14.34231
39	0.11591	0.17684	0.08504	0.13343	90	14.96281	17.44422	10.85333	15.74030

GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES
Per 1,000 of Risk Insurance Amount
Attained Age	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*	Attained Age	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*
40	0.12175	0.19855	0.08587	0.14345	91	16.75815	19.02260	12.26342	17.18368
41	0.12926	0.22110	0.08671	0.15179	92	18.58107	20.57599	13.81441	18.68869
42	0.13760	0.24199	0.08671	0.16098	93	20.38033	22.06638	15.46390	20.18093
43	0.14595	0.26037	0.08671	0.17016	94	22.06638	23.41872	17.20990	21.64133
44	0.15096	0.27375	0.08754	0.17934	95	23.86216	24.88209	19.26070	23.31064
45	0.15597	0.28879	0.08921	0.19354	96	25.99959	26.72182	21.71026	25.27107
46	0.16181	0.30719	0.09255	0.21191	97	28.35327	28.80495	24.46746	27.35722
47	0.16765	0.32726	0.09755	0.23280	98	30.94902	31.17660	27.54398	29.53318
48	0.17517	0.34984	0.10339	0.25536	99	33.75115	33.81926	30.92665	31.74040
49	0.18352	0.37494	0.11090	0.28043	100+	0	0	0	0
50	0.19437	0.40423	0.12091	0.30802

GUARANTEED MAXIMUM MONTHLY UNDERWRITING AND SALES EXPENSE CHARGE
Per $1,000 of Face Amount
Issue Age or Attained Age at Increase	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*	Issue Age or Attained Age at Increase	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*
0	N/A	0.075	N/A	0.072	41	0.352	0.415	0.281	0.287
1	N/A	0.076	N/A	0.072	42	0.368	0.436	0.292	0.298
2	N/A	0.077	N/A	0.073	43	0.383	0.457	0.303	0.310
3	N/A	0.078	N/A	0.074	44	0.398	0.478	0.314	0.321
4	N/A	0.079	N/A	0.075	45	0.414	0.499	0.325	0.332
5	N/A	0.080	N/A	0.076	46	0.441	0.532	0.346	0.352
6	N/A	0.083	N/A	0.078	47	0.468	0.564	0.367	0.371
7	N/A	0.085	N/A	0.081	48	0.495	0.597	0.388	0.391
8	N/A	0.088	N/A	0.083	49	0.522	0.629	0.409	0.411
9	N/A	0.091	N/A	0.086	50	0.549	0.662	0.430	0.430
10	N/A	0.093	N/A	0.088	51	0.591	0.707	0.461	0.461
11	N/A	0.098	N/A	0.092	52	0.632	0.753	0.492	0.492
12	N/A	0.103	N/A	0.097	53	0.673	0.798	0.523	0.523
13	N/A	0.108	N/A	0.101	54	0.714	0.843	0.553	0.553
14	N/A	0.113	N/A	0.106	55	0.755	0.889	0.584	0.584
15	N/A	0.118	N/A	0.110	56	0.816	0.952	0.638	0.638
16	N/A	0.126	N/A	0.116	57	0.877	1.015	0.693	0.693
17	N/A	0.134	N/A	0.122	58	0.938	1.077	0.747	0.747
18	N/A	0.142	N/A	0.128	59	0.999	1.140	0.801	0.801
19	N/A	0.150	N/A	0.134	60	1.060	1.203	0.855	0.855
20	N/A	0.158	N/A	0.140	61	1.108	1.222	0.903	0.903
21	0.159	0.173	0.140	0.142	62	1.156	1.242	0.950	0.950
22	0.161	0.188	0.140	0.145	63	1.204	1.261	0.998	0.998
23	0.162	0.203	0.140	0.147	64	1.251	1.280	1.045	1.045
24	0.163	0.218	0.140	0.150	65	1.299	1.299	1.093	1.093
25	0.164	0.233	0.140	0.152	66	1.351	1.351	1.144	1.144
26	0.173	0.242	0.146	0.159	67	1.402	1.402	1.195	1.195
27	0.183	0.250	0.151	0.166	68	1.454	1.454	1.246	1.246
28	0.193	0.259	0.158	0.173	69	1.505	1.505	1.297	1.297
29	0.202	0.268	0.163	0.180	70	1.557	1.557	1.348	1.348
30	0.212	0.276	0.169	0.186	71	1.645	1.645	1.431	1.431
31	0.221	0.285	0.177	0.194	72	1.733	1.733	1.515	1.515
32	0.231	0.293	0.185	0.202	73	1.821	1.821	1.598	1.598
33	0.240	0.302	0.193	0.210	74	1.909	1.909	1.682	1.682
34	0.249	0.310	0.200	0.218	75	1.997	1.997	1.765	1.765
35	0.258	0.319	0.208	0.225	76	2.039	2.039	1.802	1.802
36	0.274	0.334	0.221	0.235	77	2.081	2.081	1.839	1.839
37	0.290	0.349	0.233	0.246	78	2.123	2.123	1.876	1.876
38	0.306	0.364	0.245	0.256	79	2.164	2.164	1.913	1.913
39	0.321	0.379	0.257	0.266	80	2.206	2.206	1.950	1.950
40	0.337	0.394	0.270	0.276

GUARANTEED MAXIMUM MONTHLY UNDERWRITING AND SALES EXPENSE CHARGE
Per $1,000 of Face Amount
Issue Age or Attained Age at Increase	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*	Issue Age or Attained Age at Increase	Male Non- Nicotine	Male Nicotine*	Female Non- Nicotine	Female Nicotine*
0	N/A	0.075	N/A	0.072	41	0.352	0.415	0.281	0.287
1	N/A	0.076	N/A	0.072	42	0.368	0.436	0.292	0.298
2	N/A	0.077	N/A	0.073	43	0.383	0.457	0.303	0.310
3	N/A	0.078	N/A	0.074	44	0.398	0.478	0.314	0.321
4	N/A	0.079	N/A	0.075	45	0.414	0.499	0.325	0.332
5	N/A	0.080	N/A	0.076	46	0.441	0.532	0.346	0.352
6	N/A	0.083	N/A	0.078	47	0.468	0.564	0.367	0.371
7	N/A	0.085	N/A	0.081	48	0.495	0.597	0.388	0.391
8	N/A	0.088	N/A	0.083	49	0.522	0.629	0.409	0.411
9	N/A	0.091	N/A	0.086	50	0.549	0.662	0.430	0.430
10	N/A	0.093	N/A	0.088	51	0.591	0.707	0.461	0.461
11	N/A	0.098	N/A	0.092	52	0.632	0.753	0.491	0.492
12	N/A	0.103	N/A	0.097	53	0.673	0.794	0.522	0.523
13	N/A	0.108	N/A	0.101	54	0.714	0.801	0.553	0.553
14	N/A	0.113	N/A	0.106	55	0.722	0.810	0.584	0.584
15	N/A	0.118	N/A	0.110	56	0.738	0.821	0.638	0.638
16	N/A	0.126	N/A	0.116	57	0.753	0.827	0.693	0.693
17	N/A	0.134	N/A	0.122	58	0.761	0.828	0.747	0.747
18	N/A	0.142	N/A	0.128	59	0.783	0.836	0.756	0.801
19	N/A	0.150	N/A	0.134	60	0.798	0.880	0.760	0.855
20	N/A	0.158	N/A	0.140	61	0.811	0.927	0.769	0.903
21	0.159	0.173	0.140	0.142	62	0.823	0.971	0.782	0.950
22	0.161	0.188	0.140	0.145	63	0.835	0.969	0.796	0.998
23	0.162	0.203	0.140	0.147	64	0.847	0.940	0.808	1.045
24	0.163	0.218	0.140	0.150	65	0.858	0.911	0.821	1.050
25	0.164	0.233	0.140	0.152	66	0.869	0.881	0.834	1.023
26	0.173	0.242	0.146	0.159	67	0.880	0.850	0.846	0.997
27	0.183	0.250	0.151	0.166	68	0.907	0.847	0.857	0.969
28	0.193	0.259	0.158	0.173	69	0.916	0.854	0.870	0.940
29	0.202	0.268	0.163	0.180	70	0.921	0.864	0.894	0.910
30	0.212	0.276	0.169	0.186	71	0.931	0.879	0.918	0.878
31	0.221	0.285	0.177	0.194	72	0.942	0.897	0.914	0.874
32	0.231	0.293	0.185	0.202	73	0.954	0.915	0.922	0.884
33	0.240	0.302	0.193	0.210	74	0.962	0.931	0.931	0.892
34	0.249	0.310	0.200	0.218	75	0.972	0.949	0.939	0.899
35	0.258	0.319	0.208	0.225	76	0.973	0.954	0.939	0.898
36	0.274	0.334	0.221	0.235	77	0.975	0.960	0.940	0.897
37	0.290	0.349	0.233	0.246	78	0.976	0.963	0.942	0.898
38	0.306	0.364	0.245	0.256	79	0.984	0.962	0.957	0.916
39	0.321	0.379	0.257	0.266	80	0.991	0.964	0.948	0.910
40	0.337	0.394	0.270	0.276

TABLE OF SURRENDER CHARGE FACTORS
Male Non-Nicotine (Premier, Preferred, & Standard)
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0	1		2		3		4		5		6		7		8		9 or more
21	5.22	4.96		4.65		4.38		4.12		3.86		3.29		2.19		1.10		0.00
22	5.33	5.06		4.74		4.48		4.21		3.94		3.36		2.24		1.12		0.00
23	5.47	5.20		4.87		4.59		4.32		4.05		3.45		2.30		1.15		0.00
24	5.63	5.35		5.01		4.73		4.45		4.17		3.55		2.36		1.18		0.00
25	5.83	5.54		5.19		4.90		4.61		4.31		3.67		2.45		1.22		0.00
26	6.11	5.80		5.44		5.13		4.83		4.52		3.85		2.57		1.28		0.00
27	6.48	6.16		5.77		5.44		5.12		4.80		4.08		2.72		1.36		0.00
28	6.92	6.57		6.16		5.81		5.47		5.12		4.36		2.91		1.45		0.00
29	7.35	6.98		6.54		6.17		5.81		5.44		4.63		3.09		1.54		0.00
30	7.78	7.39		6.92		6.54		6.15		5.76		4.90		3.27		1.63		0.00
31	8.22	7.81		7.32		6.90		6.49		6.08		5.18		3.45		1.73		0.00
32	8.67	8.24		7.72		7.28		6.85		6.42		5.46		3.64		1.82		0.00
33	9.13	8.67		8.13		7.67		7.21		6.76		5.75		3.83		1.92		0.00
34	9.59	9.11		8.54		8.06		7.58		7.10		6.04		4.03		2.01		0.00
35	10.06	9.56		8.95		8.45		7.95		7.44		6.34		4.23		2.11		0.00
36	10.63	10.10		9.46		8.93		8.40		7.87		6.70		4.46		2.23		0.00
37	11.28	10.72		10.04		9.48		8.91		8.35		7.11		4.74		2.37		0.00
38	11.94	11.34		10.63		10.03		9.43		8.84		7.52		5.01		2.51		0.00
39	12.60	11.97		11.21		10.58		9.95		9.32		7.94		5.29		2.65		0.00
40	13.25	12.59		11.79		11.13		10.47		9.81		8.35		5.57		2.78		0.00
41	13.85	13.16		12.33		11.63		10.94		10.25		8.73		5.82		2.91		0.00
42	14.43	13.71		12.84		12.12		11.40		10.68		9.09		6.06		3.03		0.00
43	15.09	14.34		13.43		12.68		11.92		11.17		9.51		6.34		3.17		0.00
44	15.74	14.95		14.01		13.22		12.43		11.65		9.92		6.61		3.31		0.00
45	16.26	15.45		14.47		13.66		12.85		12.03		10.24		6.83		3.41		0.00
46	16.76	15.92		14.92		14.08		13.24		12.40		10.56		7.04		3.52		0.00
47	17.48	16.61		15.56		14.68		13.81		12.94		11.01		7.34		3.67		0.00
48	18.37	17.45		16.35		15.43		14.51		13.59		11.57		7.72		3.86		0.00
49	19.41	18.44		17.27		16.30		15.33		14.36		12.23		8.15		4.08		0.00
50	20.60	19.57		18.33		17.30		16.27		15.24		12.98		8.65		4.33		0.00
51	21.81	20.72		19.41		18.32		17.23		16.14		13.74		9.16		4.58		0.00
52	22.91	21.76		20.39		19.24		18.10		16.95		14.43		9.62		4.81		0.00
53	24.04	22.84		21.40		20.19		18.99		17.79		15.15		10.10		5.05		0.00
54	25.27	24.01		22.49		21.23		19.96		18.70		15.92		10.61		5.31		0.00
55	26.43	25.11		23.52		22.20		20.88		19.56		16.65		11.10		5.55		0.00
56	27.53	26.15		24.50		23.13		21.75		20.37		17.34		11.56		5.78		0.00
57	28.84	27.40		25.67		24.23		22.78		21.34		18.17		12.11		6.06		0.00
58	30.45	28.93		27.10		25.58		24.06		22.53		19.18		12.79		6.39		0.00
TABLE OF SURRENDER CHARGE FACTORS
Male Non-Nicotine (Premier, Preferred, & Standard)
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0		1		2		3		4		5		6		7		8		9 or more
59	32.22		30.61		28.68		27.06		25.45		23.84		20.30		13.53		6.77		0.00
60	33.90		32.21		30.17		28.48		26.78		25.09		21.36		14.24		7.12		0.00
61	35.40		33.63		31.51		29.74		27.97		26.20		22.30		14.87		7.43		0.00
62	36.90		35.06		32.84		31.00		29.15		27.31		23.25		15.50		7.75		0.00
63	38.40		36.48		34.18		32.26		30.34		28.42		24.19		16.13		8.06		0.00
64	39.90		37.91		35.51		33.52		31.52		29.53		25.14		16.76		8.38		0.00
65	41.40		39.33		36.85		34.78		32.71		30.64		26.08		17.39		8.69		0.00
66	42.90		40.76		38.18		36.04		33.89		31.75		27.03		18.02		9.01		0.00
67	44.40		42.18		39.52		37.30		35.08		32.86		27.97		18.65		9.32		0.00
68	44.40		42.18		39.51		37.29		35.07		32.85		27.97		18.64		9.32		0.00
69	43.90		41.70		39.07		36.87		34.68		32.48		27.65		18.43		9.21		0.00
70	43.30		41.13		38.53		36.37		34.20		32.04		27.27		18.18		9.09		0.00
71	42.50		40.37		37.82		35.70		33.57		31.45		26.77		17.85		8.92		0.00
72	41.60		39.52		37.02		34.94		32.86		30.78		26.20		17.47		8.73		0.00
73	40.70		38.66		36.22		34.18		32.15		30.11		25.64		17.09		8.54		0.00
74	39.90		37.90		35.51		33.51		31.52		29.52		25.13		16.75		8.37		0.00
75	39.00		37.05		34.71		32.76		30.81		28.86		24.57		16.38		8.19		0.00
76	38.60		36.67		34.35		32.42		30.49		28.56		24.31		16.21		8.10		0.00
77	38.10		36.19		33.90		32.00		30.09		28.19		24.00		16.00		8.00		0.00
78	37.60		35.72		33.46		31.58		29.70		27.82		23.68		15.79		7.89		0.00
79	37.20		35.34		33.10		31.24		29.38		27.52		23.43		15.62		7.81		0.00
80	36.70		34.86		32.66		30.82		28.99		27.15		23.12		15.41		7.70		0.00

TABLE OF SURRENDER CHARGE FACTORS
Male Nicotine (Ages 0-20 are juvenile issues.)
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0			1			2			3			4			5			6			7			8			9 or more
0	3.27			3.11			2.91			2.75			2.58			2.42			2.06			1.37			0.69			0.00
1	3.30			3.14			2.94			2.77			2.61			2.44			2.08			1.39			0.69			0.00
2	3.36			3.19			2.99			2.82			2.65			2.49			2.12			1.41			0.71			0.00
3	3.44			3.27			3.06			2.89			2.72			2.55			2.17			1.44			0.72			0.00
4	3.51			3.33			3.12			2.95			2.77			2.60			2.21			1.47			0.74			0.00
5	3.60			3.42			3.20			3.02			2.84			2.66			2.27			1.51			0.76			0.00
6	3.68			3.50			3.28			3.09			2.91			2.72			2.32			1.55			0.77			0.00
7	3.78			3.59			3.36			3.18			2.99			2.80			2.38			1.59			0.79			0.00
8	3.88			3.69			3.45			3.26			3.07			2.87			2.44			1.63			0.81			0.00
9	3.98			3.78			3.54			3.34			3.14			2.95			2.51			1.67			0.84			0.00
10	4.09			3.89			3.64			3.44			3.23			3.03			2.58			1.72			0.86			0.00
11	4.17			3.96			3.71			3.50			3.29			3.09			2.63			1.75			0.88			0.00
12	4.26			4.05			3.79			3.58			3.37			3.15			2.68			1.79			0.89			0.00
13	4.34			4.12			3.86			3.65			3.43			3.21			2.73			1.82			0.91			0.00
TABLE OF SURRENDER CHARGE FACTORS
Male Nicotine (Ages 0-20 are juvenile issues.)
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age			0			1			2			3			4			5			6			7			8			9 or more
14			4.43			4.21			3.94			3.72			3.50			3.28			2.79			1.86			0.93			0.00
15			4.52			4.29			4.02			3.80			3.57			3.34			2.85			1.90			0.95			0.00
16			4.63			4.40			4.12			3.89			3.66			3.43			2.92			1.94			0.97			0.00
17			4.75			4.51			4.23			3.99			3.75			3.52			2.99			2.00			1.00			0.00
18			4.87			4.63			4.33			4.09			3.85			3.60			3.07			2.05			1.02			0.00
19			5.00			4.75			4.45			4.20			3.95			3.70			3.15			2.10			1.05			0.00
20			5.13			4.87			4.57			4.31			4.05			3.80			3.23			2.15			1.08			0.00
21			7.23			6.87			6.43			6.07			5.71			5.35			4.55			3.04			1.52			0.00
22			7.46			7.09			6.64			6.27			5.89			5.52			4.70			3.13			1.57			0.00
23			7.67			7.29			6.83			6.44			6.06			5.68			4.83			3.22			1.61			0.00
24			7.87			7.48			7.00			6.61			6.22			5.82			4.96			3.31			1.65			0.00
25			8.10			7.70			7.21			6.80			6.40			5.99			5.10			3.40			1.70			0.00
26			8.39			7.97			7.47			7.05			6.63			6.21			5.29			3.52			1.76			0.00
27			8.77			8.33			7.81			7.37			6.93			6.49			5.53			3.68			1.84			0.00
28			9.20			8.74			8.19			7.73			7.27			6.81			5.80			3.86			1.93			0.00
29			9.61			9.13			8.55			8.07			7.59			7.11			6.05			4.04			2.02			0.00
30			10.01			9.51			8.91			8.41			7.91			7.41			6.31			4.20			2.10			0.00
31			10.42			9.90			9.27			8.75			8.23			7.71			6.56			4.38			2.19			0.00
32			10.85			10.31			9.66			9.11			8.57			8.03			6.84			4.56			2.28			0.00
33			11.31			10.74			10.07			9.50			8.93			8.37			7.13			4.75			2.38			0.00
34			11.80			11.21			10.50			9.91			9.32			8.73			7.43			4.96			2.48			0.00
35			12.32			11.70			10.96			10.35			9.73			9.12			7.76			5.17			2.59			0.00
36			12.86			12.22			11.45			10.80			10.16			9.52			8.10			5.40			2.70			0.00
37			13.44			12.77			11.96			11.29			10.62			9.95			8.47			5.64			2.82			0.00
38			14.05			13.35			12.50			11.80			11.10			10.40			8.85			5.90			2.95			0.00
39			14.70			13.97			13.08			12.35			11.61			10.88			9.26			6.17			3.09			0.00
40			15.43			14.66			13.73			12.96			12.19			11.42			9.72			6.48			3.24			0.00
41			16.22			15.41			14.44			13.62			12.81			12.00			10.22			6.81			3.41			0.00
42			17.02			16.17			15.15			14.30			13.45			12.59			10.72			7.15			3.57			0.00
43			17.83			16.94			15.87			14.98			14.09			13.19			11.23			7.49			3.74			0.00
44			18.67			17.74			16.62			15.68			14.75			13.82			11.76			7.84			3.92			0.00
45			19.55			18.57			17.40			16.42			15.44			14.47			12.32			8.21			4.11			0.00
46			20.47			19.45			18.22			17.19			16.17			15.15			12.90			8.60			4.30			0.00
47			21.43			20.36			19.07			18.00			16.93			15.86			13.50			9.00			4.50			0.00
48			22.46			21.34			19.99			18.87			17.74			16.62			14.15			9.43			4.72			0.00
49			23.59			22.41			21.00			19.82			18.64			17.46			14.86			9.91			4.95			0.00
50			24.75			23.51			22.03			20.79			19.55			18.32			15.59			10.40			5.20			0.00
51			25.86			24.57			23.02			21.72			20.43			19.14			16.29			10.86			5.43			0.00
52			26.95			25.60			23.99			22.64			21.29			19.94			16.98			11.32			5.66			0.00
53			28.18			26.77			25.08			23.67			22.26			20.85			17.75			11.84			5.92			0.00
54			29.61			28.13			26.35			24.87			23.39			21.91			18.65			12.44			6.22			0.00
55			31.03			29.48			27.62			26.07			24.51			22.96			19.55			13.03			6.52			0.00
56		32.43			30.81			28.86			27.24			25.62			24.00			20.43			13.62			6.81			0.00
57		34.24			32.53			30.47			28.76			27.05			25.34			21.57			14.38			7.19			0.00
58		36.45			34.63			32.44			30.62			28.80			26.97			22.96			15.31			7.65			0.00
59		38.40			36.48			34.18			32.26			30.34			28.42			24.19			16.13			8.06			0.00
60		38.40			36.48			34.18			32.26			30.34			28.42			24.19			16.13			8.06			0.00
61		38.40			36.48			34.18			32.26			30.34			28.42			24.19			16.13			8.06			0.00
62		38.40			36.48			34.18			32.26			30.34			28.42			24.19			16.13			8.06			0.00
63		38.40			36.48			34.18			32.26			30.34			28.42			24.19			16.13			8.06			0.00
64		39.90			37.91			35.51			33.52			31.52			29.53			25.14			16.76			8.38			0.00
65		41.40			39.33			36.85			34.78			32.71			30.64			26.08			17.39			8.69			0.00
66		42.90			40.76			38.18			36.04			33.89			31.75			27.03			18.02			9.01			0.00
67		44.40			42.18			39.52			37.30			35.08			32.86			27.97			18.65			9.32			0.00
68		44.40			42.18			39.51			37.29			35.07			32.85			27.97			18.64			9.32			0.00
69		43.90			41.70			39.07			36.87			34.68			32.48			27.65			18.43			9.21			0.00
70		43.30			41.13			38.53			36.37			34.20			32.04			27.27			18.18			9.09			0.00
71		42.50			40.37			37.82			35.70			33.57			31.45			26.77			17.85			8.92			0.00
72		41.60			39.52			37.02			34.94			32.86			30.78			26.20			17.47			8.73			0.00
73		40.70			38.66			36.22			34.18			32.15			30.11			25.64			17.09			8.54			0.00
74		39.90			37.90			35.51			33.51			31.52			29.52			25.13			16.75			8.37			0.00
75		39.00			37.05			34.71			32.76			30.81			28.86			24.57			16.38			8.19			0.00
76		38.60			36.67			34.35			32.42			30.49			28.56			24.31			16.21			8.10			0.00
77		38.10			36.19			33.90			32.00			30.09			28.19			24.00			16.00			8.00			0.00
78		37.60			35.72			33.46			31.58			29.70			27.82			23.68			15.79			7.89			0.00
79		37.20			35.34			33.10			31.24			29.38			27.52			23.43			15.62			7.81			0.00
80		36.70			34.86			32.66			30.82			28.99			27.15			23.12			15.41			7.70			0.00

TABLE OF SURRENDER CHARGE FACTORS
Female Non-Nicotine (Premier, Preferred, & Standard)
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age		0		1		2		3			4			5			6			7				8		9 or more
21		4.65		4.42		4.14		3.91			3.67			3.44			2.93			1.95				0.98		0.00
22		4.75		4.51		4.23		3.99			3.75			3.52			2.99			2.00				1.00		0.00
23		4.84		4.60		4.31		4.07			3.82			3.58			3.05			2.03				1.02		0.00
24		4.94		4.69		4.40		4.15			3.90			3.66			3.11			2.07				1.04		0.00
25		5.03		4.78		4.48		4.23			3.97			3.72			3.17			2.11				1.06		0.00
26		5.25		4.99		4.67		4.41			4.15			3.89			3.31			2.21				1.10		0.00
27		5.48		5.21		4.88		4.60			4.33			4.06			3.45			2.30				1.15		0.00
28		5.72		5.43		5.09		4.80			4.52			4.23			3.60			2.40				1.20		0.00
29		5.98		5.68		5.32		5.02			4.72			4.43			3.77			2.51				1.26		0.00
30		6.26		5.95		5.57		5.26			4.95			4.63			3.94			2.63				1.31		0.00
31		6.59		6.26		5.87		5.54			5.21			4.88			4.15			2.77				1.38		0.00
32		6.96		6.61		6.19		5.85			5.50			5.15			4.38			2.92				1.46		0.00
33	7.37			7.00		6.56			6.19			5.82			5.45			4.64			3.10		1.55				0.00
34	7.79			7.40		6.93			6.54			6.15			5.76			4.91			3.27		1.64				0.00
35	8.20			7.79		7.30			6.89			6.48			6.07			5.17			3.44		1.72				0.00
36	8.62			8.19		7.67			7.24			6.81			6.38			5.43			3.62		1.81				0.00
37	9.08			8.63		8.08			7.63			7.17			6.72			5.72			3.81		1.91				0.00
38	9.63			9.15		8.57			8.09			7.61			7.13			6.07			4.04		2.02				0.00
39	10.20			9.69		9.08			8.57			8.06			7.55			6.43			4.28		2.14				0.00
40	10.70			10.17		9.52			8.99			8.45			7.92			6.74			4.49		2.25				0.00
41	11.11			10.55		9.89			9.33			8.78			8.22			7.00			4.67		2.33				0.00
42	11.53			10.95		10.26			9.69			9.11			8.53			7.26			4.84		2.42				0.00
43	11.96			11.36		10.64			10.05			9.45			8.85			7.53			5.02		2.51				0.00
44	12.35			11.73		10.99			10.37			9.76			9.14			7.78			5.19		2.59				0.00
45	12.83			12.19		11.42			10.78			10.14			9.49			8.08			5.39		2.69				0.00
46	13.43			12.76		11.95			11.28			10.61			9.94			8.46			5.64		2.82				0.00
47	14.08			13.38		12.53			11.83			11.12			10.42			8.87			5.91		2.96				0.00
48	14.75			14.01		13.13			12.39			11.65			10.92			9.29			6.20		3.10				0.00
49	15.47			14.70		13.77			12.99			12.22			11.45			9.75			6.50		3.25				0.00
50	16.23			15.42		14.44			13.63			12.82			12.01			10.22			6.82		3.41				0.00
51	17.16			16.30		15.27			14.41			13.56			12.70			10.81			7.21		3.60				0.00
52	17.94			17.04		15.97			15.07			14.17			13.28			11.30			7.53		3.77				0.00
53	18.72			17.78		16.66			15.72			14.79			13.85			11.79			7.86		3.93				0.00
54	19.58			18.60		17.43			16.45			15.47			14.49			12.34			8.22		4.11				0.00
55	20.53			19.50		18.27			17.25			16.22			15.19			12.93			8.62		4.31				0.00
56	21.75			20.66		19.36			18.27			17.18			16.10			13.70			9.14		4.57				0.00
57	23.05			21.90		20.51			19.36			18.21			17.06			14.52			9.68		4.84				0.00
58	24.44			23.22		21.75			20.53			19.31			18.09			15.40			10.26		5.13				0.00
59	25.92			24.62		23.07			21.77			20.48			19.18			16.33			10.89		5.44				0.00
60	27.40			26.03		24.39			23.02			21.65			20.28			17.26			11.51		5.75				0.00
61	28.90			27.46		25.72			24.28			22.83			21.39			18.21			12.14		6.07				0.00
62	30.40			28.88		27.06			25.54			24.02			22.50			19.15			12.77		6.38				0.00
63	31.90			30.31		28.39			26.80			25.20			23.61			20.10			13.40		6.70				0.00
65	34.90			33.16		31.06			29.32			27.57			25.83			21.99			14.66		7.33				0.00
66	36.40			34.58		32.40			30.58			28.76			26.94			22.93			15.29		7.64				0.00
67	37.90			36.01		33.73			31.84			29.94			28.05			23.88			15.92		7.96				0.00
68	39.40			37.43		35.06			33.09			31.12			29.15			24.82			16.54		8.27				0.00
69	40.90			38.85		36.40			34.35			32.31			30.26			25.76			17.17		8.58				0.00
70	42.40			40.28		37.73			35.61			33.49			31.37			26.71			17.80		8.90				0.00
71	43.90			41.70		39.07			36.87			34.68			32.48			27.65			18.43		9.21				0.00
72	43.90			41.70		39.07			36.87			34.68			32.48			27.65			18.43		9.21				0.00
73	43.10			40.94		38.35			36.20			34.04			31.89			27.15			18.10		9.05				0.00
74	42.20			40.09		37.55			35.44			33.33			31.22			26.58			17.72		8.86				0.00
75	41.40			39.33		36.84			34.77			32.70			30.63			26.08			17.38		8.69				0.00
76			41.00		38.95		36.49			34.44			32.39			30.34			25.83			17.22			8.61			0.00
77			40.60		38.57		36.13			34.10			32.07			30.04			25.57			17.05			8.52			0.00
78			40.20		38.19		35.77			33.76			31.75			29.74			25.32			16.88			8.44			0.00
79			38.80		36.86		34.53			32.59			30.65			28.71			24.44			16.29			8.14			0.00
80			38.80		36.86		34.53			32.59			30.65			28.71			24.44			16.29			8.14			0.00

TABLE OF SURRENDER CHARGE FACTORS
Female Nicotine (Ages 0-20 are juvenile issues.)
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0		1		2		3			4			5			6		7		8		9 or more
0	3.00		2.85		2.67		2.52			2.37			2.22			1.89		1.26		0.63		0.00
1	3.03		2.88		2.70		2.55			2.39			2.24			1.91		1.27		0.64		0.00
2	3.08		2.93		2.74		2.59			2.43			2.28			1.94		1.29		0.65		0.00
3	3.15		2.99		2.80		2.65			2.49			2.33			1.98		1.32		0.66		0.00
4	3.22		3.06		2.87		2.70			2.54			2.38			2.03		1.35		0.68		0.00
5	3.29		3.13		2.93		2.76			2.60			2.43			2.07		1.38		0.69		0.00
6	3.36		3.19		2.99		2.82			2.65			2.49			2.12		1.41		0.71		0.00
7	3.45		3.28		3.07		2.90			2.73			2.55			2.17		1.45		0.72		0.00
8	3.53		3.35		3.14		2.97			2.79			2.61			2.22		1.48		0.74		0.00
9	3.62		3.44		3.22		3.04			2.86			2.68			2.28		1.52		0.76		0.00
10	3.72		3.53		3.31		3.12			2.94			2.75			2.34		1.56		0.78		0.00
11	3.79		3.60		3.37		3.18			2.99			2.80			2.39		1.59		0.80		0.00
12	3.86		3.67		3.44		3.24			3.05			2.86			2.43		1.62		0.81		0.00
13	3.94		3.74		3.51		3.31			3.11			2.92			2.48		1.65		0.83		0.00
14	4.02		3.82		3.58		3.38			3.18			2.97			2.53		1.69		0.84		0.00
15	4.10		3.90		3.65		3.44			3.24			3.03			2.58		1.72		0.86		0.00
16	4.19		3.98		3.73		3.52			3.31			3.10			2.64		1.76		0.88		0.00
17	4.28		4.07		3.81		3.60			3.38			3.17			2.70		1.80		0.90		0.00
18	4.38		4.16		3.90		3.68			3.46			3.24			2.76		1.84		0.92		0.00
19	4.47		4.25		3.98		3.75			3.53			3.31			2.82		1.88		0.94		0.00
20	4.57		4.34		4.07		3.84			3.61			3.38			2.88		1.92		0.96		0.00
21	5.09		4.84		4.53		4.28			4.02			3.77			3.21		2.14		1.07		0.00
22	5.18		4.92		4.61		4.35			4.09			3.83			3.26		2.18		1.09		0.00
23	5.28		5.02		4.70		4.44			4.17			3.91			3.33		2.22		1.11		0.00
24	5.35		5.08		4.76		4.49			4.23			3.96			3.37		2.25		1.12		0.00
25	5.45		5.18		4.85		4.58			4.31			4.03			3.43		2.29		1.14		0.00
26	5.65		5.37		5.03		4.75			4.46			4.18			3.56		2.37		1.19		0.00
27	5.95		5.65		5.30		5.00			4.70			4.40			3.75		2.50		1.25		0.00
28	6.29		5.98		5.60		5.28			4.97			4.65			3.96		2.64		1.32		0.00
29	6.59		6.26		5.87		5.54			5.21			4.88			4.15		2.77		1.38		0.00
30	6.87		6.53		6.11		5.77			5.43			5.08			4.33		2.89		1.44		0.00
31	7.18		6.82		6.39			6.03			5.67		5.31		4.52			3.02		1.51			0.00
32	7.57		7.19		6.74			6.36			5.98		5.60		4.77			3.18		1.59			0.00
33	8.02		7.62		7.14			6.74			6.34		5.93		5.05			3.37		1.68			0.00
34	8.44		8.02		7.51			7.09			6.67		6.25		5.32			3.54		1.77			0.00
35	8.83		8.39		7.86			7.42			6.98		6.53		5.56			3.71		1.85			0.00
36	9.21		8.75		8.20			7.74			7.28		6.82		5.80			3.87		1.93			0.00
37	9.62		9.14		8.56			8.08			7.60		7.12		6.06			4.04		2.02			0.00
38	10.05		9.55		8.94			8.44			7.94		7.44		6.33			4.22		2.11			0.00
39	10.48		9.96		9.33			8.80			8.28		7.76		6.60			4.40		2.20			0.00
40	10.92		10.37		9.72			9.17			8.63		8.08		6.88			4.59		2.29			0.00
41	11.37		10.80		10.12			9.55			8.98		8.41		7.16			4.78		2.39			0.00
42	11.83		11.24		10.53			9.94			9.35		8.75		7.45			4.97		2.48			0.00
43	12.30		11.69		10.95			10.33			9.72		9.10		7.75			5.17		2.58			0.00
44	12.75		12.11		11.35			10.71			10.07		9.44		8.03			5.36		2.68			0.00
45	13.13		12.47		11.69			11.03			10.37		9.72		8.27			5.51		2.76			0.00
46	13.43		12.76		11.95			11.28			10.61		9.94		8.46			5.64		2.82			0.00
47	14.08		13.38		12.53			11.83			11.12		10.42		8.87			5.91		2.96			0.00
48	14.75		14.01		13.13			12.39			11.65		10.92		9.29			6.20		3.10			0.00
49	15.47		14.70		13.77			12.99			12.22		11.45		9.75			6.50		3.25			0.00
50	16.23		15.42		14.44			13.63			12.82		12.01		10.22			6.82		3.41			0.00
51	17.16		16.30		15.27			14.41			13.56		12.70		10.81			7.21		3.60			0.00
52	17.94		17.04		15.97			15.07			14.17		13.28		11.30			7.53		3.77			0.00
53	18.72		17.78		16.66			15.72			14.79		13.85		11.79			7.86		3.93			0.00
54	19.58		18.60		17.43			16.45			15.47		14.49		12.34			8.22		4.11			0.00
55	20.53		19.50		18.27			17.25			16.22		15.19		12.93			8.62		4.31			0.00
56	21.75		20.66		19.36			18.27			17.18		16.10		13.70			9.14		4.57			0.00
57	23.05		21.90		20.51			19.36			18.21		17.06		14.52			9.68		4.84			0.00
58	24.44		23.22		21.75			20.53			19.31		18.09		15.40			10.26		5.13			0.00
59	26.21		24.90		23.33			22.02			20.71		19.40		16.51			11.01		5.50			0.00
60	27.40		26.03		24.39			23.02			21.65		20.28		17.26			11.51		5.75			0.00
61	28.90		27.46		25.72			24.28			22.83		21.39		18.21			12.14		6.07			0.00
62	30.40		28.88		27.06			25.54			24.02		22.50		19.15			12.77		6.38			0.00
63	31.90		30.31		28.39			26.80			25.20		23.61		20.10			13.40		6.70			0.00
64	33.40		31.73		29.73			28.06			26.39		24.72		21.04			14.03		7.01			0.00
65	34.90		33.16		31.06			29.32			27.57		25.83		21.99			14.66		7.33			0.00
66	36.40		34.58		32.40			30.58			28.76		26.94		22.93			15.29		7.64			0.00
67	37.90		36.01		33.73			31.84			29.94		28.05		23.88			15.92		7.96			0.00
68	39.40		37.43		35.06			33.09			31.12		29.15		24.82			16.54		8.27			0.00
69	40.90		38.85		36.40			34.35			32.31		30.26		25.76			17.17		8.58			0.00
70	42.40		40.28		37.73			35.61			33.49		31.37		26.71			17.80		8.90			0.00
71	43.90		41.70		39.07			36.87			34.68		32.48		27.65			18.43		9.21			0.00
72	43.90		41.70		39.07			36.87			34.68		32.48		27.65			18.43		9.21			0.00
TABLE OF SURRENDER CHARGE FACTORS
Female Nicotine (Ages 0-20 are juvenile issues.)
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age		0		1		2			3			4		5			6		7		8			9 or more
73		43.10		40.94		38.35			36.20			34.04		31.89			27.15		18.10		9.05			0.00
74		42.20		40.09		37.55			35.44			33.33		31.22			26.58		17.72		8.86			0.00
75		41.40		39.33		36.84			34.77			32.70		30.63			26.08		17.38		8.69			0.00
76		41.00		38.95		36.49			34.44			32.39		30.34			25.83		17.22		8.61			0.00
77		40.60		38.57		36.13			34.10			32.07		30.04			25.57		17.05		8.52			0.00
78		40.20		38.19		35.77			33.76			31.75		29.74			25.32		16.88		8.44			0.00
79		38.80		36.86		34.53			32.59			30.65		28.71			24.44		16.29		8.14			0.00
80		38.80		36.86		34.53			32.59			30.65		28.71			24.44		16.29		8.14			0.00

TABLE OF SURRENDER CHARGE FACTORS, Male Nicotine/Juvenile
Per $1,000 of Face Amount
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0	1	2	3	4	5	6	7	8	9 or more
0	3.27	3.11	2.91	2.75	2.58	2.42	2.06	1.37	0.69	—
1	3.30	3.14	2.94	2.77	2.61	2.44	2.08	1.39	0.69	—
2	3.36	3.19	2.99	2.82	2.65	2.49	2.12	1.41	0.71	—
3	3.44	3.27	3.06	2.89	2.72	2.55	2.17	1.44	0.72	—
4	3.51	3.33	3.12	2.95	2.77	2.60	2.21	1.47	0.74	—
5	3.60	3.42	3.20	3.02	2.84	2.66	2.27	1.51	0.76	—
6	3.68	3.50	3.28	3.09	2.91	2.72	2.32	1.55	0.77	—
7	3.78	3.59	3.36	3.18	2.99	2.80	2.38	1.59	0.79	—
8	3.88	3.69	3.45	3.26	3.07	2.87	2.44	1.63	0.81	—
9	3.98	3.78	3.54	3.34	3.14	2.95	2.51	1.67	0.84	—
10	4.09	3.89	3.64	3.44	3.23	3.03	2.58	1.72	0.86	—
11	4.17	3.96	3.71	3.50	3.29	3.09	2.63	1.75	0.88	—
12	4.26	4.05	3.79	3.58	3.37	3.15	2.68	1.79	0.89	—
13	4.34	4.12	3.86	3.65	3.43	3.21	2.73	1.82	0.91	—
14	4.43	4.21	3.94	3.72	3.50	3.28	2.79	1.86	0.93	—
15	4.52	4.29	4.02	3.80	3.57	3.34	2.85	1.90	0.95	—
16	4.63	4.40	4.12	3.89	3.66	3.43	2.92	1.94	0.97	—
17	4.75	4.51	4.23	3.99	3.75	3.52	2.99	2.00	1.00	—
18	4.87	4.63	4.33	4.09	3.85	3.60	3.07	2.05	1.02	—
19	5.00	4.75	4.45	4.20	3.95	3.70	3.15	2.10	1.05	—
20	5.13	4.87	4.57	4.31	4.05	3.80	3.23	2.15	1.08	—
21	7.23	6.87	6.43	6.07	5.71	5.35	4.55	3.04	1.52	—
22	7.46	7.09	6.64	6.27	5.89	5.52	4.70	3.13	1.57	—
23	7.67	7.29	6.83	6.44	6.06	5.68	4.83	3.22	1.61	—
24	7.87	7.48	7.00	6.61	6.22	5.82	4.96	3.31	1.65	—
25	8.10	7.70	7.21	6.80	6.40	5.99	5.10	3.40	1.70	—
26	8.39	7.97	7.47	7.05	6.63	6.21	5.29	3.52	1.76	—
27	8.77	8.33	7.81	7.37	6.93	6.49	5.53	3.68	1.84	—
28	9.20	8.74	8.19	7.73	7.27	6.81	5.80	3.86	1.93	—
29	9.61	9.13	8.55	8.07	7.59	7.11	6.05	4.04	2.02	—
30	10.01	9.51	8.91	8.41	7.91	7.41	6.31	4.20	2.10	—
31	10.42	9.90	9.27	8.75	8.23	7.71	6.56	4.38	2.19	—
32	10.85	10.31	9.66	9.11	8.57	8.03	6.84	4.56	2.28	—
33	11.31	10.74	10.07	9.50	8.93	8.37	7.13	4.75	2.38	—
34	11.80	11.21	10.50	9.91	9.32	8.73	7.43	4.96	2.48	—
35	12.32	11.70	10.96	10.35	9.73	9.12	7.76	5.17	2.59	—
36	12.86	12.22	11.45	10.80	10.16	9.52	8.10	5.40	2.70	—
37	13.44	12.77	11.96	11.29	10.62	9.95	8.47	5.64	2.82	—
38	14.05	13.35	12.50	11.80	11.10	10.40	8.85	5.90	2.95	—
39	14.70	13.97	13.08	12.35	11.61	10.88	9.26	6.17	3.09	—

40	15.43	14.66	13.73	12.96	12.19	11.42	9.72	6.48	3.24	—
41	16.22	15.41	14.44	13.62	12.81	12.00	10.22	6.81	3.41	—
42	17.02	16.17	15.15	14.30	13.45	12.59	10.72	7.15	3.57	—
43	17.83	16.94	15.87	14.98	14.09	13.19	11.23	7.49	3.74	—
44	18.67	17.74	16.62	15.68	14.75	13.82	11.76	7.84	3.92	—
45	19.55	18.57	17.40	16.42	15.44	14.47	12.32	8.21	4.11	—
46	20.47	19.45	18.22	17.19	16.17	15.15	12.90	8.60	4.30	—
47	21.43	20.36	19.07	18.00	16.93	15.86	13.50	9.00	4.50	—
48	22.46	21.34	19.99	18.87	17.74	16.62	14.15	9.43	4.72	—
49	23.59	22.41	21.00	19.82	18.64	17.46	14.86	9.91	4.95	—
50	24.75	23.51	22.03	20.79	19.55	18.32	15.59	10.40	5.20	—
51	25.86	24.57	23.02	21.72	20.43	19.14	16.29	10.86	5.43	—
52	26.95	25.60	23.99	22.64	21.29	19.94	16.98	11.32	5.66	—
53	28.18	26.77	25.08	23.67	22.26	20.85	17.75	11.84	5.92	—
54	29.61	28.13	26.35	24.87	23.39	21.91	18.65	12.44	6.22	—
55	31.03	29.48	27.62	26.07	24.51	22.96	19.55	13.03	6.52	—
56	32.43	30.81	28.86	27.24	25.62	24.00	20.43	13.62	6.81	—
57	34.24	32.53	30.47	28.76	27.05	25.34	21.57	14.38	7.19	—
58	36.45	34.63	32.44	30.62	28.80	26.97	22.96	15.31	7.65	—
59	38.40	36.48	34.18	32.26	30.34	28.42	24.19	16.13	8.06	—
60	38.40	36.48	34.18	32.26	30.34	28.42	24.19	16.13	8.06	—
61	38.40	36.48	34.18	32.26	30.34	28.42	24.19	16.13	8.06	—
62	38.40	36.48	34.18	32.26	30.34	28.42	24.19	16.13	8.06	—
63	38.40	36.48	34.18	32.26	30.34	28.42	24.19	16.13	8.06	—
64	39.90	37.91	35.51	33.52	31.52	29.53	25.14	16.76	8.38	—
65	41.40	39.33	36.85	34.78	32.71	30.64	26.08	17.39	8.69	—
66	42.90	40.76	38.18	36.04	33.89	31.75	27.03	18.02	9.01	—
67	44.40	42.18	39.52	37.30	35.08	32.86	27.97	18.65	9.32	—
68	44.40	42.18	39.52	37.30	35.08	32.86	27.97	18.65	9.32	—
69	43.90	41.71	39.07	36.88	34.68	32.49	27.66	18.44	9.22	—
70	43.30	41.14	38.54	36.37	34.21	32.04	27.28	18.19	9.09	—
71	42.50	40.38	37.83	35.70	33.58	31.45	26.78	17.85	8.93	—
72	41.60	39.52	37.02	34.94	32.86	30.78	26.21	17.47	8.74	—
73	40.70	38.67	36.22	34.19	32.15	30.12	25.64	17.09	8.55	—
74	39.90	37.91	35.51	33.52	31.52	29.53	25.14	16.76	8.38	—
75	39.00	37.05	34.71	32.76	30.81	28.86	24.57	16.38	8.19	—
76	38.60	36.67	34.35	32.42	30.49	28.56	24.32	16.21	8.11	—
77	38.10	36.20	33.91	32.00	30.10	28.19	24.00	16.00	8.00	—
78	37.60	35.72	33.46	31.58	29.70	27.82	23.69	15.79	7.90	—
79	37.20	35.34	33.11	31.25	29.39	27.53	23.44	15.62	7.81	—
80	36.70	34.87	32.66	30.83	28.99	27.16	23.12	15.41	7.71	—

TABLE OF SURRENDER CHARGE FACTORS, Male Non-Nicotine
Per $1,000 of Face Amount
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age		0		1		2		3		4		5		6		7		8		9 or more
21		5.22		4.96		4.65		4.38		4.12		3.86		3.29		2.19		1.10		—
22		5.33		5.06		4.74		4.48		4.21		3.94		3.36		2.24		1.12		—
23		5.47		5.20		4.87		4.59		4.32		4.05		3.45		2.30		1.15		—
24		5.63		5.35		5.01		4.73		4.45		4.17		3.55		2.36		1.18		—
25		5.83		5.54		5.19		4.90		4.61		4.31		3.67		2.45		1.22		—
26		6.11		5.80		5.44		5.13		4.83		4.52		3.85		2.57		1.28		—
27		6.48		6.16		5.77		5.44		5.12		4.80		4.08		2.72		1.36		—
28		6.92		6.57		6.16		5.81		5.47		5.12		4.36		2.91		1.45		—
29		7.35		6.98		6.54		6.17		5.81		5.44		4.63		3.09		1.54		—
30		7.78		7.39		6.92		6.54		6.15		5.76		4.90		3.27		1.63		—
31		8.22		7.81		7.32		6.90		6.49		6.08		5.18		3.45		1.73		—
32		8.67		8.24		7.72		7.28		6.85		6.42		5.46		3.64		1.82		—
33		9.13		8.67		8.13		7.67		7.21		6.76		5.75		3.83		1.92		—
34		9.59		9.11		8.54		8.06		7.58		7.10		6.04		4.03		2.01		—
35		10.06		9.56		8.95		8.45		7.95		7.44		6.34		4.23		2.11		—
36		10.63		10.10		9.46		8.93		8.40		7.87		6.70		4.46		2.23		—
37		11.28		10.72		10.04		9.48		8.91		8.35		7.11		4.74		2.37		—
38		11.94		11.34		10.63		10.03		9.43		8.84		7.52		5.01		2.51		—
39		12.60		11.97		11.21		10.58		9.95		9.32		7.94		5.29		2.65		—
40		13.25		12.59		11.79		11.13		10.47		9.81		8.35		5.57		2.78		—
41		13.85		13.16		12.33		11.63		10.94		10.25		8.73		5.82		2.91		—
42		14.43		13.71		12.84		12.12		11.40		10.68		9.09		6.06		3.03		—
43		15.09		14.34		13.43		12.68		11.92		11.17		9.51		6.34		3.17		—
44		15.74		14.95		14.01		13.22		12.43		11.65		9.92		6.61		3.31		—
45		16.26		15.45		14.47		13.66		12.85		12.03		10.24		6.83		3.41		—
46		16.76		15.92		14.92		14.08		13.24		12.40		10.56		7.04		3.52		—
47		17.48		16.61		15.56		14.68		13.81		12.94		11.01		7.34		3.67		—
48		18.37		17.45		16.35		15.43		14.51		13.59		11.57		7.72		3.86		—
49		19.41		18.44		17.27		16.30		15.33		14.36		12.23		8.15		4.08		—
50		20.60		19.57		18.33		17.30		16.27		15.24		12.98		8.65		4.33		—
51		21.81		20.72		19.41		18.32		17.23		16.14		13.74		9.16		4.58		—
52		22.91		21.76		20.39		19.24		18.10		16.95		14.43		9.62		4.81		—
53		24.04		22.84		21.40		20.19		18.99		17.79		15.15		10.10		5.05		—
54		25.27		24.01		22.49		21.23		19.96		18.70		15.92		10.61		5.31		—
55		26.35		25.03		23.45		22.13		20.82		19.50		16.60		11.07		5.53		—
56		27.03		25.68		24.06		22.71		21.35		20.00		17.03		11.35		5.68		—
57		27.80		26.41		24.74		23.35		21.96		20.57		17.51		11.68		5.84		—
58		28.67		27.24		25.52		24.08		22.65		21.22		18.06		12.04		6.02		—
59		29.64		28.16		26.38		24.90		23.42		21.93		18.67		12.45		6.22		—
60		30.73		29.19		27.35		25.81		24.28		22.74		19.36		12.91		6.45		—
61		32.05		30.45		28.52		26.92		25.32		23.72		20.19		13.46		6.73		—
62	33.51		31.83		29.82		28.15		26.47		24.80		21.11		14.07		7.04		—
63	35.10		33.35		31.24		29.48		27.73		25.97		22.11		14.74		7.37		—
64	36.83		34.99		32.78		30.94		29.10		27.25		23.20		15.47		7.73		—
65	38.72		36.78		34.46		32.52		30.59		28.65		24.39		16.26		8.13		—
66	40.74		38.70		36.26		34.22		32.18		30.15		25.67		17.11		8.56		—
67	42.97		40.82		38.24		36.09		33.95		31.80		27.07		18.05		9.02		—
68	44.40		42.18		39.52		37.30		35.08		32.86		27.97		18.65		9.32		—
69	43.90		41.71		39.07		36.88		34.68		32.49		27.66		18.44		9.22		—
70	43.30		41.14		38.54		36.37		34.21		32.04		27.28		18.19		9.09		—
71	42.50		40.38		37.83		35.70		33.58		31.45		26.78		17.85		8.93		—
72	41.60		39.52		37.02		34.94		32.86		30.78		26.21		17.47		8.74		—
73	40.70		38.67		36.22		34.19		32.15		30.12		25.64		17.09		8.55		—
74	39.90		37.91		35.51		33.52		31.52		29.53		25.14		16.76		8.38		—
75	39.00		37.05		34.71		32.76		30.81		28.86		24.57		16.38		8.19		—
76	38.60		36.67		34.35		32.42		30.49		28.56		24.32		16.21		8.11		—
77	38.05		36.15		33.86		31.96		30.06		28.16		23.97		15.98		7.99		—
78	37.50		35.63		33.38		31.50		29.63		27.75		23.63		15.75		7.88		—
79	36.65		34.82		32.62		30.79		28.95		27.12		23.09		15.39		7.70		—
80	35.85		34.06		31.91		30.11		28.32		26.53		22.59		15.06		7.53		—

TABLE OF SURRENDER CHARGE FACTORS, Female Nicotine/Juvenile
Per $1,000 of Face Amount
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age		0	1			2			3			4			5			6			7			8			9 or more
0		3.00	2.85			2.67			2.52			2.37			2.22			1.89			1.26			0.63			—
1		3.03	2.88			2.70			2.55			2.39			2.24			1.91			1.27			0.64			—
2		3.08	2.93			2.74			2.59			2.43			2.28			1.94			1.29			0.65			—
3		3.15	2.99			2.80			2.65			2.49			2.33			1.98			1.32			0.66			—
4		3.22	3.06			2.87			2.70			2.54			2.38			2.03			1.35			0.68			—
5		3.29	3.13			2.93			2.76			2.60			2.43			2.07			1.38			0.69			—
6		3.36	3.19			2.99			2.82			2.65			2.49			2.12			1.41			0.71			—
7		3.45	3.28			3.07			2.90			2.73			2.55			2.17			1.45			0.72			—
8		3.53	3.35			3.14			2.97			2.79			2.61			2.22			1.48			0.74			—
9		3.62	3.44			3.22			3.04			2.86			2.68			2.28			1.52			0.76			—
10		3.72	3.53			3.31			3.12			2.94			2.75			2.34			1.56			0.78			—
11		3.79	3.60			3.37			3.18			2.99			2.80			2.39			1.59			0.80			—
12		3.86	3.67			3.44			3.24			3.05			2.86			2.43			1.62			0.81			—
13		3.94	3.74			3.51			3.31			3.11			2.92			2.48			1.65			0.83			—
14		4.02	3.82			3.58			3.38			3.18			2.97			2.53			1.69			0.84			—
15		4.10	3.90			3.65			3.44			3.24			3.03			2.58			1.72			0.86			—
16		4.19	3.98			3.73			3.52			3.31			3.10			2.64			1.76			0.88			—
17		4.28			4.07			3.81			3.60			3.38			3.17			2.70			1.80		0.90			—
18		4.38			4.16			3.90			3.68			3.46			3.24			2.76			1.84		0.92			—
19		4.47			4.25			3.98			3.75			3.53			3.31			2.82			1.88		0.94			—
20		4.57			4.34			4.07			3.84			3.61			3.38			2.88			1.92		0.96			—
21		5.09			4.84			4.53			4.28			4.02			3.77			3.21			2.14		1.07			—
22		5.18			4.92			4.61			4.35			4.09			3.83			3.26			2.18		1.09			—
23		5.28			5.02			4.70			4.44			4.17			3.91			3.33			2.22		1.11			—
24		5.35			5.08			4.76			4.49			4.23			3.96			3.37			2.25		1.12			—
25		5.45			5.18			4.85			4.58			4.31			4.03			3.43			2.29		1.14			—
26		5.65			5.37			5.03			4.75			4.46			4.18			3.56			2.37		1.19			—
27		5.95			5.65			5.30			5.00			4.70			4.40			3.75			2.50		1.25			—
28		6.29			5.98			5.60			5.28			4.97			4.65			3.96			2.64		1.32			—
29		6.59			6.26			5.87			5.54			5.21			4.88			4.15			2.77		1.38			—
30		6.87			6.53			6.11			5.77			5.43			5.08			4.33			2.89		1.44			—
31		7.18			6.82			6.39			6.03			5.67			5.31			4.52			3.02		1.51			—
32		7.57			7.19			6.74			6.36			5.98			5.60			4.77			3.18		1.59			—
33		8.02			7.62			7.14			6.74			6.34			5.93			5.05			3.37		1.68			—
34		8.44			8.02			7.51			7.09			6.67			6.25			5.32			3.54		1.77			—
35		8.83			8.39			7.86			7.42			6.98			6.53			5.56			3.71		1.85			—
36		9.21			8.75			8.20			7.74			7.28			6.82			5.80			3.87		1.93			—
37		9.62			9.14			8.56			8.08			7.60			7.12			6.06			4.04		2.02			—
38		10.05			9.55			8.94			8.44			7.94			7.44			6.33			4.22		2.11			—
39		10.48			9.96			9.33			8.80			8.28			7.76			6.60			4.40		2.20			—
40		10.92			10.37			9.72			9.17			8.63			8.08			6.88			4.59		2.29			—
41		11.37			10.80			10.12			9.55			8.98			8.41			7.16			4.78		2.39			—
42		11.83			11.24			10.53			9.94			9.35			8.75			7.45			4.97		2.48			—
43		12.30			11.69			10.95			10.33			9.72			9.10			7.75			5.17		2.58			—
44		12.75			12.11			11.35			10.71			10.07			9.44			8.03			5.36		2.68			—
45		13.13			12.47			11.69			11.03			10.37			9.72			8.27			5.51		2.76			—
46		13.43			12.76			11.95			11.28			10.61			9.94			8.46			5.64		2.82			—
47		14.08			13.38			12.53			11.83			11.12			10.42			8.87			5.91		2.96			—
48		14.75			14.01			13.13			12.39			11.65			10.92			9.29			6.20		3.10			—
49		15.47			14.70			13.77			12.99			12.22			11.45			9.75			6.50		3.25			—
50		16.23			15.42			14.44			13.63			12.82			12.01			10.22			6.82		3.41			—
51		17.16			16.30			15.27			14.41			13.56			12.70			10.81			7.21		3.60			—
52		17.94			17.04			15.97			15.07			14.17			13.28			11.30			7.53		3.77			—
53		18.72			17.78			16.66			15.72			14.79			13.85			11.79			7.86		3.93			—
54		19.58			18.60			17.43			16.45			15.47			14.49			12.34			8.22		4.11			—
55		20.53			19.50			18.27			17.25			16.22			15.19			12.93			8.62		4.31			—
56		21.75			20.66			19.36			18.27			17.18			16.10			13.70			9.14		4.57			—
57		23.05			21.90			20.51			19.36			18.21			17.06			14.52			9.68		4.84			—
58	24.44			23.22			21.75			20.53			19.31			18.09			15.40			10.26				5.13			—
59	26.21			24.90			23.33			22.02			20.71			19.40			16.51			11.01				5.50			—
60	27.40			26.03			24.39			23.02			21.65			20.28			17.26			11.51				5.75			—
61	28.90			27.46			25.72			24.28			22.83			21.39			18.21			12.14				6.07			—
62	30.40			28.88			27.06			25.54			24.02			22.50			19.15			12.77				6.38			—
63	31.90			30.31			28.39			26.80			25.20			23.61			20.10			13.40				6.70			—
64	33.40			31.73			29.73			28.06			26.39			24.72			21.04			14.03				7.01			—
65	34.90			33.16			31.06			29.32			27.57			25.83			21.99			14.66				7.33			—
66	36.40			34.58			32.40			30.58			28.76			26.94			22.93			15.29				7.64			—
67	37.90			36.01			33.73			31.84			29.94			28.05			23.88			15.92				7.96			—
68	39.40			37.43			35.07			33.10			31.13			29.16			24.82			16.55				8.27			—
69	40.90			38.86			36.40			34.36			32.31			30.27			25.77			17.18				8.59			—
70	42.40			40.28			37.74			35.62			33.50			31.38			26.71			17.81				8.90			—
71	43.90			41.71			39.07			36.88			34.68			32.49			27.66			18.44				9.22			—
72	43.80			41.61			38.98			36.79			34.60			32.41			27.59			18.40				9.20			—
73	42.95			40.80			38.23			36.08			33.93			31.78			27.06			18.04				9.02			—
74	42.15			40.04			37.51			35.41			33.30			31.19			26.55			17.70				8.85			—
75	41.30			39.24			36.76			34.69			32.63			30.56			26.02			17.35				8.67			—
76	40.90			38.86			36.40			34.36			32.31			30.27			25.77			17.18				8.59			—
77	40.45			38.43			36.00			33.98			31.96			29.93			25.48			16.99				8.49			—
78	39.95			37.95			35.56			33.56			31.56			29.56			25.17			16.78				8.39			—
79	38.80			36.86			34.53			32.59			30.65			28.71			24.44			16.30				8.15			—
80	38.80			36.86			34.53			32.59			30.65			28.71			24.44			16.30				8.15			—

TABLE OF SURRENDER CHARGE FACTORS, Female Non-Nicotine
Per $1,000 of Face Amount
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0	1	2	3	4	5	6	7	8	9 or more
21	4.65	4.42	4.14	3.91	3.67	3.44	2.93	1.95	0.98	—
22	4.75	4.51	4.23	3.99	3.75	3.52	2.99	2.00	1.00	—
23	4.84	4.60	4.31	4.07	3.82	3.58	3.05	2.03	1.02	—
24	4.94	4.69	4.40	4.15	3.90	3.66	3.11	2.07	1.04	—
25	5.03	4.78	4.48	4.23	3.97	3.72	3.17	2.11	1.06	—
26	5.25	4.99	4.67	4.41	4.15	3.89	3.31	2.21	1.10	—
27	5.48	5.21	4.88	4.60	4.33	4.06	3.45	2.30	1.15	—
28	5.72	5.43	5.09	4.80	4.52	4.23	3.60	2.40	1.20	—
29	5.98	5.68	5.32	5.02	4.72	4.43	3.77	2.51	1.26	—
30	6.26	5.95	5.57	5.26	4.95	4.63	3.94	2.63	1.31	—
31	6.59	6.26	5.87	5.54	5.21	4.88	4.15	2.77	1.38	—
32	6.96	6.61	6.19	5.85	5.50	5.15	4.38	2.92	1.46	—
33	7.37	7.00	6.56	6.19	5.82	5.45	4.64	3.10	1.55	—

TABLE OF SURRENDER CHARGE FACTORS, Female Non-Nicotine
Per $1,000 of Face Amount
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0	1	2	3	4	5	6	7	8	9 or more
34	7.79	7.40	6.93	6.54	6.15	5.76	4.91	3.27	1.64	—
35	8.20	7.79	7.30	6.89	6.48	6.07	5.17	3.44	1.72	—
36	8.62	8.19	7.67	7.24	6.81	6.38	5.43	3.62	1.81	—
37	9.08	8.63	8.08	7.63	7.17	6.72	5.72	3.81	1.91	—
38	9.63	9.15	8.57	8.09	7.61	7.13	6.07	4.04	2.02	—
39	10.20	9.69	9.08	8.57	8.06	7.55	6.43	4.28	2.14	—
40	10.70	10.17	9.52	8.99	8.45	7.92	6.74	4.49	2.25	—
41	11.11	10.55	9.89	9.33	8.78	8.22	7.00	4.67	2.33	—
42	11.53	10.95	10.26	9.69	9.11	8.53	7.26	4.84	2.42	—
43	11.96	11.36	10.64	10.05	9.45	8.85	7.53	5.02	2.51	—
44	12.35	11.73	10.99	10.37	9.76	9.14	7.78	5.19	2.59	—
45	12.83	12.19	11.42	10.78	10.14	9.49	8.08	5.39	2.69	—
46	13.43	12.76	11.95	11.28	10.61	9.94	8.46	5.64	2.82	—
47	14.08	13.38	12.53	11.83	11.12	10.42	8.87	5.91	2.96	—
48	14.75	14.01	13.13	12.39	11.65	10.92	9.29	6.20	3.10	—
49	15.47	14.70	13.77	12.99	12.22	11.45	9.75	6.50	3.25	—
50	16.23	15.42	14.44	13.63	12.82	12.01	10.22	6.82	3.41	—
51	17.16	16.30	15.27	14.41	13.56	12.70	10.81	7.21	3.60	—
52	17.94	17.04	15.97	15.07	14.17	13.28	11.30	7.53	3.77	—
53	18.72	17.78	16.66	15.72	14.79	13.85	11.79	7.86	3.93	—
54	19.58	18.60	17.43	16.45	15.47	14.49	12.34	8.22	4.11	—
55	20.53	19.50	18.27	17.25	16.22	15.19	12.93	8.62	4.31	—
56	21.75	20.66	19.36	18.27	17.18	16.10	13.70	9.14	4.57	—
57	23.05	21.90	20.51	19.36	18.21	17.06	14.52	9.68	4.84	—
58	24.44	23.22	21.75	20.53	19.31	18.09	15.40	10.26	5.13	—
59	25.92	24.62	23.07	21.77	20.48	19.18	16.33	10.89	5.44	—
60	27.40	26.03	24.39	23.02	21.65	20.28	17.26	11.51	5.75	—
61	28.72	27.28	25.56	24.12	22.69	21.25	18.09	12.06	6.03	—
62	29.83	28.34	26.55	25.06	23.57	22.07	18.79	12.53	6.26	—
63	31.03	29.48	27.62	26.07	24.51	22.96	19.55	13.03	6.52	—
64	32.35	30.73	28.79	27.17	25.56	23.94	20.38	13.59	6.79	—
65	33.80	32.11	30.08	28.39	26.70	25.01	21.29	14.20	7.10	—
66	35.35	33.58	31.46	29.69	27.93	26.16	22.27	14.85	7.42	—
67	37.06	35.21	32.98	31.13	29.28	27.42	23.35	15.57	7.78	—
68	38.95	37.00	34.67	32.72	30.77	28.82	24.54	16.36	8.18	—
69	40.90	38.86	36.40	34.36	32.31	30.27	25.77	17.18	8.59	—
70	42.40	40.28	37.74	35.62	33.50	31.38	26.71	17.81	8.90	—
71	43.90	41.71	39.07	36.88	34.68	32.49	27.66	18.44	9.22	—
72	43.80	41.61	38.98	36.79	34.60	32.41	27.59	18.40	9.20	—
73	43.00	40.85	38.27	36.12	33.97	31.82	27.09	18.06	9.03	—
74	42.15	40.04	37.51	35.41	33.30	31.19	26.55	17.70	8.85	—

TABLE OF SURRENDER CHARGE FACTORS, Female Non-Nicotine
Per $1,000 of Face Amount
Number of Full Policy Years Completed Since the Issue Date or Since Increase in Face Amount
Issue Age	0	1	2	3	4	5	6	7	8	9 or more
75	41.30	39.24	36.76	34.69	32.63	30.56	26.02	17.35	8.67	—
76	40.90	38.86	36.40	34.36	32.31	30.27	25.77	17.18	8.59	—
77	40.45	38.43	36.00	33.98	31.96	29.93	25.48	16.99	8.49	—
78	39.95	37.95	35.56	33.56	31.56	29.56	25.17	16.78	8.39	—
79	38.80	36.86	34.53	32.59	30.65	28.71	24.44	16.30	8.15	—
80	38.80	36.86	34.53	32.59	30.65	28.71	24.44	16.30	8.15	—

Home Office	Service Center
12822 SE 32nd Street, Suite 2	P. O. Box 724208
Bellevue, Washington 98005	Atlanta, Georgia 31139
Phone: 1-800-238-9671	Phone: 1-877-376-8008 (toll free) 8:00 a.m. to 6:00 p.m. Eastern Time

General Information and History	1
Farmers New World Life Insurance Company	1
Farmers Variable Life Separate Account A	1
Services	1
Third Party Administration Agreement	1
Records	1
Legal Matters	1
Experts	2
Report to Owners	2
Distribution of Policies – Underwriters	2
Subaccount Unit Value	3
Additional Policy Provisions	3
The Policy	3
Our Right to Contest the policy	4
Suicide Exclusion	4
Misstatement of Age or Gender	4
Addition, Deletion or Substitution of Investments	5
Resolving Material Conflicts	5
Changing Death Benefit Options	5
Payment Options	6
Dollar Cost Averaging	7
Automatic Asset Rebalancing Program	8
Other Information	8
Financial Statements	9

• the current Face Amount	• any Policy Loan taken since the last report
• Death Benefit at the end of the report period	• premiums paid since the last report
• the Contract Value	• all deductions since the last report
• the Cash Surrender Value	• any outstanding Policy Loan Balance
• any other information required by the state where the Policy was issued.

Fiscal year	Aggregate Amount of Commissions Paid to FFS*	Aggregate Amount of Commissions Retained by FFS as Principal Underwriter
2023	$ 7,746,303	0
2024	$ 5,634,276	0
2025	$4,585,665	0

*

Includes sales commissions paid to FFS for all variable life insurance policies issued by Farmers, including the other policies.

1.

the net asset value per fund portfolio share held in the Subaccount at the end of the current Valuation Day; plus

2.

the per share amount of any dividend or capital gain distribution on the same fund portfolio shares held in the Subaccount during the current Valuation Day; less

3.

the per share amount of any capital loss distribution on the same fund portfolio shares held in the Subaccount during the current Valuation Day; less

4.

the per share amount of any taxes or any amount set aside during the Valuation Day as a reserve for taxes due to the investment results of the Subaccount;

•

conform the Policy, our operations, or the variable account’s operations to the requirements of any law (or regulation issued by a government agency) to which the Policy, our company or the variable account is subject;

•

assure continued qualification of the Policy as a life insurance contract under the Federal tax laws; or

•

reflect a change in the variable account’s operations.

1.

the Premium Payments made; less

2.

any Policy Loan Balance; less

3.

any Partial Surrender amounts previously paid by Us.

•

After the first Policy year, you may change death benefit options or change the Face Amount (but not both, unless done simultaneously) once each Policy year.

•

You must make your request in writing and sign the request.

•

We may require evidence of insurability. We can deny your request for reasons including but not limited to the following:

•

We do not wish to increase the death benefits due to the insured’s health, occupation, avocations, or any factor that we believe has a bearing on the insured’s risk of death.

•

We conclude the insured has an excessive amount of insurance coverage.

•

We conclude the Owner no longer has an insurable interest in the insured.

•

The effective date of the change will be the monthly due date following the date when we approve your request for a change.

•

The minimum premium will be recalculated.

•

We will send you a Policy endorsement with the change to attach to your Policy.

•

Changing the death benefit option may have tax consequences. You should consult a tax adviser before changing the death benefit option.

•

We do not require evidence of insurability.

•

The Face Amount will change. The new Option B Face Amount will equal the Option A Face Amount prior to the change plus the Contract Value on the effective date of the change.

•

We will not impose an additional underwriting and sales expense charge on the portions of any increase in Face Amount due to a change in death benefit option.

•

The minimum premium will increase.

•

The change in option affects the determination of the death benefit since Contract Value is no longer added to the Face Amount. The death benefit will equal the new Face Amount (or, if higher, the Contract Value times the applicable death benefit percentage).

•

You must provide satisfactory evidence of insurability.

•

The Face Amount will change. The new Option A Face Amount will equal the Option B Face Amount prior to the change less the Contract Value on the effective date of the change, but the new Face Amount will not be less than the minimum Face Amount shown on your Policy specifications page.

•

We will not impose any partial surrender charge solely as a result of this change in Face Amount.

•

The minimum premium will decrease.

•

The change in death benefit option affects the determination of the death benefit since Contract Value will be added to the new Face Amount, and the death benefit will then vary with the Contract Value.

•

Any underwriting and sales expense charge on the Policy will not be reduced as a result of any decrease in the Face Amount.

•

the amount of the surrender or Death Benefit Amount Payable proceeds on the surrender date, maturity date or insured’s date of death;

•

the interest rate we credit on those amounts (we guarantee a minimum interest rate); and

•

the specific option(s) you choose. The amount you would receive may depend on your adjusted age and gender.

•

Your proceeds will earn interest at a rate of not less than 2.5% per year compounded annually.

•

We may not keep the funds under this option for longer than five years, unless the Payee is a minor, in which case we may hold the funds until the Payee attains the age of majority.

•

Each $1,000 of proceeds will yield an income of not less than $25 annually, $12.42 semi-annually, $6.19 quarterly, or $2.05 monthly for each $1,000 of proceeds.

•

Unless you direct otherwise, or the Payee is a minor, the Payee may withdraw the proceeds at any time.

•

After the first year, we may defer such withdrawal for up to six months.

•

We will pay installments for a specified period.

•

The amount of each installment per $1,000 of proceeds will not be less than the amounts shown in the table in your Policy.

•

We will pay installments of a specified amount until the proceeds together with interest are paid in full.

•

We will credit interest at a rate of not less than 2.5% compounded annually.

•

We will pay installments for the payee’s lifetime.

•

We will make payments for at least a specified guaranteed number of installments.

•

The amount of each installment will depend on the adjusted age and gender of the payee at the time the first payment is due.

•

We determine the adjusted age by calculating the age at the payee’s nearest birthday on the date of the first payment and subtracting a number that depends on the year in which the first payment begins:

First Payment Date	Adjusted Age is Age Minus
Prior to 2011	1 Year
2011 to 2020	2 Years
2021 to 2030	3 Years
2031 to 2040	4 Years
After 2040	5 Years

a.		Board of Directors Resolutions.
		1.			Incorporated herein by reference to the initial Form  S-6 registration statement for Farmers Variable Life Separate Account A (File No. 333-84023) filed with the SEC on July 26, 1999.
b.		Custodian Agreements.
		Not applicable.
c.		Underwriting Contracts.
		1.			Amended and Restated Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, is incorporated herein by reference to Post-Effective Amendment No. 8 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 26, 2006.
		2.			Registered Representative Agreement Farmers Financial Solutions, LLC Registered Representative Agreement Farmers Financial Solutions, LLC, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		3.			Amended and Restated Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, is incorporated herein by reference to Post-Effective Amendment No. 10 on Form N-4 for Farmers Variable Annuity Separate Account filed with the SEC on April 29, 2008 (File Nos. 333-85183 and 811-09547).
		4.			First Amendment to the Amended and Restated Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, is incorporated herein by reference to filed in Post-Effective Amendment No. 2 to the initial registrations statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2010 (File Nos. 333-149540 and 811-09507).
		5.			Amended and Restated Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, is incorporated herein by reference to Post-Effective Amendment No. 14 on Form N-6 for Farmers Variable Life Separate Account A, (File Nos. 333-149540 and 811-09507).
d.		Contracts.
		1.			Specimen Flexible Premium Variable Life Insurance Policy, is incorporated herein by reference to the initial registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on March 4, 2008 (File Nos. 333-149540 and 811-09507).
		2.			Monthly Disability Benefit Rider, is incorporated herein by reference to the initial registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on March  4, 2008 (File Nos. 333-149540 and 811-09507).
		3.			Waiver of Deduction Benefit Rider, is incorporated herein by reference to the initial registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on March  4, 2008 (File Nos. 333-149540 and 811-09507).
		4.			Accidental Death Benefit Rider, is incorporated herein by reference to the initial registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on March  4, 2008 (File Nos. 333-149540 and 811-09507).
		5.			Children’s Term Insurance Rider, is incorporated herein by reference to the initial registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on March  4, 2008 (File Nos. 333-149540 and 811-09507).
		6.			Automatic Increase Benefit Rider, is incorporated herein by reference to the initial registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on March  4, 2008 (File Nos. 333-149540 and 811-09507).
		7.			Accelerated Benefit Rider for Terminal Illness, is incorporated herein by reference to the initial registration statement on Form  N-6 for Farmers Variable Life Separate Account A filed with the SEC on March 4, 2008 (File Nos. 333-149540 and 811-09507).
e.		Applications.
		1.			Form  of Application for Flexible Premium Life Insurance, is incorporated herein by reference to the initial registration statement on Form  N-6 for Farmers Variable Life Separate Account A filed with the SEC on March 4, 2008 (File Nos. 333-149540 and 811-09507).
	2.			Variable Policy Application Supplement (May  2008), is incorporated herein by reference to the Pre-Effective Amendment No. 1 to the initial registration statement on Form  N-6/A for Farmers Variable Life Separate Account A filed with the SEC on August 11, 2008 (File Nos. 333-149540 and 811-09507).
	3.			Form of Application for Flexible Premium Life Insurance, is incorporated herein by reference to Post-Effective Amendment No.  3 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2011 (File Nos. 333-149540 and 811-09507).
	4.			Variable Universal Policy Application Supplement (January  2013), is incorporated herein by reference to Post-Effective Amendment No. 5 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  30, 2013 (File Nos. 333-149540 and 811-09507).
	5.			Variable Policy Application Supplement (Interstate Compact Version) (May  2015), is incorporated herein by reference to Post-Effective Amendment No. 7 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  28, 2015 (File Nos. 333-149540 and 811-09507).
	6.			Variable Policy Application Supplement (AR, AZ, CA, IL, MT, SD) (May  2015), is incorporated herein by reference to Post-Effective Amendment No. 7 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  28, 2015 (File Nos. 333-149540 and 811-09507).
	7.			Variable Policy Application Supplement (ND) (May 2015), is incorporated herein by reference to Post-Effective Amendment No.  7 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 28, 2015 (File Nos. 333-149540 and 811-09507).
	8.			Variable Policy Application Supplement (Interstate Compact Version) (May  2016), is incorporated herein by reference to Post-Effective Amendment No. 8 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  29, 2016 (File Nos. 333-149540 and 811-09507).
	9.			Variable Policy Application Supplement (ND) (May 2016), is incorporated herein by reference to Post-Effective Amendment No.  8 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2016 (File Nos. 333-149540 and 811-09507).
	10.			Variable Policy Application Supplement (non-ICC Version) (May  2016), is incorporated herein by reference to Post-Effective Amendment No. 8 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  29, 2016 (File Nos. 333-149540 and 811-09507).
	11.			Variable Policy Application Supplement (SD) (May 2016), is incorporated herein by reference to Post-Effective Amendment No.  8 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2016 (File Nos. 333-149540 and 811-09507).
	12.			Variable Policy Application Supplement (Interstate Compact) (May  2021), is incorporated herein by reference to Post-Effective Amendment No. 14 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A.
	13.			Variable Policy Application Supplement (NonCom) (May  2021), is incorporated herein by reference to Post-Effective Amendment No. 14.
	14.			Variable Policy Application Supplement (ND) (May 2021), is incorporated herein by reference to Post-Effective Amendment No.  14 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A.
	15.			Variable Policy Application Supplement (SD) (May 2021), is incorporated herein by reference to Post-Effective Amendment No.  14 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A.
f.	Depositor’s Certificate of Incorporation and By-Laws.
	1.			Articles of Incorporation of Farmers New World Life Insurance Company, is incorporated herein by reference to the initial Form S-6 registration statement for Farmers Variable Life Separate Account A (File No. 333-84023) filed with the SEC on August 29, 1999.
	2.			By-laws of Farmers New World Life Insurance Company, is incorporated herein by reference to the initial Form S-6 registration statement for Farmers Variable Life Separate Account A (File No. 333-84023) filed with the SEC on August 29, 1999.
	3.			Revised and Restated By-Laws of Farmers New World Life Insurance Company (July  23, 2009), is incorporated herein by reference to the initial registration statement on Form  N-6 for Farmers Variable Life Separate Account A (File Nos. 333-149540 and 811-09507).
	4.			Revised and Restated By-Laws of Farmers New World Life Insurance Company (July  23, 2009), is incorporated herein by reference to filed in Post-Effective Amendment No. 2 to the initial registrations statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2010 (File Nos. 333-149540 and 811-09507).
	5.			Revised and Restated By-Laws of Farmers New World Life Insurance Company (July  15, 2010), is incorporated herein by reference to filed in Post-Effective Amendment No. 3 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2011 (File Nos. 333-149540 and 811-09507).
	6.			Revised and Restated By-Laws of Farmers New World Life Insurance Company (February  27, 2013), is incorporated herein by reference to Post-Effective Amendment No. 5 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File Nos. 333-149540 and 811-09507).
			7.	Revised and Restated By-Laws of Farmers New World Life Insurance Company (May  27, 2015), is incorporated herein by reference to Post-Effective Amendment No. 10 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on May 21, 2018 (File Nos. 333-149540 and 811-09507).
			8.	Amended Articles of Incorporation of Farmers New World Life Insurance Company (February  27, 2018), is incorporated herein by reference to Post-Effective Amendment No. 10 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on May 21, 2018 (File Nos. 333-149540 and 811-09507).

g.	Reinsurance Contracts.
	1.	Automatic Yearly Renewable Term Agreement between Farmers New World Life Insurance Company and ACE Life Insurance Company. [Portions of this exhibit have been omitted pursuant to a request for confidential treatment filed with the SEC on August 27, 2008], is incorporated herein by reference to Pre-Effective Amendment No. 2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August 27, 2008 (File Nos. 333-149540 and 811-09507).
	2.	Automatic/Facultative YRT Reinsurance Agreement between Farmers New World Life Insurance Company and RGA Reinsurance Company. [Portions of this exhibit have been omitted pursuant to a request for confidential treatment filed with the SEC on August 27, 2008], is incorporated herein by reference to Pre-Effective Amendment No. 2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August 27, 2008 (File Nos. 333-149540 and 811-09507).
	3.	Amendment No.  1 to the Automatic Yearly Renewable Term Agreement between Farmers New World Life Insurance Company and ACE Life Insurance Company. [Portions of this exhibit have been omitted pursuant to a request for confidential treatment filed with the SEC on April 29, 2009], is incorporated herein by reference to Post-Effective Amendment No. 1 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2009 (File Nos. 333-149540 and 811-09507).
	4.	Automatic YRT Reinsurance Agreement between Farmers New World Life Insurance Company and Zurich Insurance Company [Portions of this exhibit have been omitted pursuant to a request for confidential treatment filed with the SEC on March 22, 2010], is incorporated herein by reference to Post-Effective Amendment No. 2 to the initial registrations statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2010 (File Nos. 333-149540 and 811-09507).
	5.	Automatic/Facultative YRT Reinsurance Agreement between Farmers New World Life Insurance Company and RGA Reinsurance Company. [Portions of this exhibit have been omitted pursuant to a request for confidential treatment filed with the SEC on April 29, 2011], is incorporated herein by reference to Post-Effective Amendment No. 3 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2011 (File Nos. 333-149540 and 811-09507).
	6.	Amendment to the Reinsurance Agreements between Farmers New World Life Insurance Company and RGA Reinsurance Company, is incorporated herein by reference to Post-Effective Amendment No. 9 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 28, 2017 (File Nos. 333-149540 and 811-09507).
	7.	Amendment to the Reinsurance Agreements between Farers New World Life Insurance Company and RGA Reinsurance Company (January  1, 2017), is incorporated herein by reference to Post-Effective Amendment No. 10 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on May 21, 2018 (File Nos. 333-149540 and 811-09507).
	8.	Amendment to the Reinsurance Agreements between Farmers New World Life Insurance Company and RGA Reinsurance Company (December  8, 2017), is incorporated herein by referenced in Post-Effective Amendment No. 10 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on May 21, 2018 (File Nos. 333-149540 and 811-09507).
	9.	Amendment No.  3 to the Reinsurance Agreements between Farmers New World Life Insurance Company and Ace Life Insurance Company (Effective April 23, 2017).
	10.	Amendment No.  3 to the Reinsurance Agreements between Farmers New World Life Insurance Company and Ace Life Insurance Company (Effective April  23, 2017) Addendum to the Automatic/Facultative YRT Reinsurance Agreement between Farmers New World Life Insurance Company and RGA Reinsurance Company (Effective December  7, 2019) incorporated herein by reference to Post-Effective Amendment No. 13 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  30, 2020 (File Nos. 333-149540 and 811-09507).
	11.	Commutation and Release Agreement between Farmers New World Life Insurance Company and Zurich Insurance Company, Ltd. dated as of August 1, 2023, redacted for confidentiality filed herewith.
	12.	Coinsurance and Modified Coinsurance Agreement between Farmers New World Life Insurance Company and Security Life of Denver Insurance Company effective August 1, 2023.

h.			Agreements.
			1.	Participation Agreement among Kemper Variable Series, Scudder Kemper Investments, Inc., Kemper Distributors,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form  N-4 registration statement for Farmers Annuity Separate Account (File No. 333-85183) filed with the SEC on April 21, 2000.
			2.	Participation Agreement between Scudder Variable Life Investment Fund and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 registration statement for Farmers Annuity Separate Account (File No. 333-85183) filed with the SEC on April 21, 2000.
		3.			Participation Agreement (Institutional Shares) among Janus Aspen Series, Janus Capital Corporation and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 registration statement for Farmers Annuity Separate Account (File No. 333-85183) filed with the SEC on April 21, 2000.
		4.			Participation Agreement among Farmers New World Life Insurance Company, PIMCO Variable Insurance Trust and PIMCO Funds Distributors LLC, is incorporated herein by reference to Post-Effective Amendment No. 1 to the Form N-4 registration statement for Farmers Annuity Separate Account (File No. 333-85183) filed with the SEC on April 21, 2000.
		5.			Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on November 15, 1999
		6.			Amendment No.  1 to Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors,  Inc. and Farmers New World Life Insurance Company ,is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		7.			Amendment No.  2 to Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		8.			Amendment No.  1 to Participation Agreement among Farmers New World Life Insurance Company, PIMCO Variable Insurance Trust and PIMCO Funds Distributors LLC, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		9.			Amendment No.  1 to Participation Agreement between Scudder Variable Life Investment Fund and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		10.			Participation Agreement between Dreyfus Variable Investment Fund and the Dreyfus Socially Responsible Growth Fund,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		11.			Participation Agreement (Service Shares) among Janus Aspen Series, Janus Capital Corporation and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		12.			Participation Agreement among Variable Insurance Products Funds, Fidelity Distributors Corporation and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		13.			Participation Agreement among WM Variable Trust, WM Funds Distributor,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 2 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2001.
		14.			Amendment No. 1 to Participation Agreement among WM Variable Trust, WM Funds Distributor,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to Post-Effective Amendment No. 3 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 26, 2002.
		15.			Amendment No. 2 to Participation Agreement among WM Variable Trust, WM Funds Distributor,  Inc. and Farmers New World Life Insurance Company, incorporated herein by reference to Post-Effective Amendment No. 4 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on August 27, 2002.
		16.			Amendment No.  4 to Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors,  Inc. and Farmers New World Life Insurance Company, incorporated herein by reference to Post-Effective Amendment No. 7 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 28, 2005.
		17.			Supplement to Participation Agreement among DWS Variable Series  II, Deutsche Investment Management Americas Inc., DWS Scudder Distributors, Inc., and Farmers New World Life Insurance Company, incorporated herein by reference to Post-Effective Amendment No. 9 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 25, 2007.
		18.			Form of Rule  22c-2 Shareholder Information Agreement, is incorporated herein by reference to Post-Effective Amendment No. 9 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 25, 2007.
		19.			Letter of Understanding and Extension of WM Participation Agreement, among Principal Funds Distributor,  Inc., and Farmers New World Life Insurance Company, dated as of January 5, 2007, is incorporated herein by reference to Post-Effective Amendment No. 9 to the Form  N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 25, 2007.
	20.					Amendment to the Participation Agreement among Variable Insurance Products Funds, Variable Insurance Products Fund II, Variable Insurance Product Fund III, Variable Insurance Product Fund IV and Variable Insurance Product Fund V, Fidelity Distributors Corporation, and Farmers New World Life Insurance Company, is incorporated herein by reference to the Pre-Effective Amendment No. 1 to the initial registration statement on Form N-6/A for Farmers Variable Life Separate Account A filed with the SEC on August 11, 2008 (File Nos. 333-149540 and 811-09507).
	21.					Amendment to the Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors,  Inc., and Farmers New World Life Insurance Company, is incorporated herein by reference to the Pre-Effective Amendment No. 1 to the initial registration statement on Form N-6/A for Farmers Variable Life Separate Account A filed with the SEC on August 11, 2008 (File Nos. 333-149540 and 811-09507).
	22.					Amendment No. 3 to the Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors, Inc., and Farmers New World Life Insurance Company.
	23.					Participation Agreement among Principal Funds Distributor,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by referenced in Pre-Effective Amendment No. 2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August  27, 2008 (File Nos. 333-9540 and 811-09507).
	24.					Amendment No. 3 to the Participation Agreement among Deutsche Investment Management Americas,  Inc., DWS Variable Series I (formerly Kemper Variable Series), DWS Scudder Distributors,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Pre-Effective Amendment No. 2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August  27, 2008 (File Nos. 333-9540 and 811-09507).
	25.					Amendment No. 2 to the Participation Agreement among Deutsche Investment Management Americas,  Inc., DWS Variable Series II, DWS Scudder Distributors,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Pre-Effective Amendment No. 2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August  27, 2008 (File Nos. 333-9540 and 811-09507).
	26.					Amendment No.  2 to the Participation Agreement among Variable Insurance Products Funds, Variable Insurance Products Fund II, Variable Insurance Product Fund III, Variable Insurance Product Fund IV and Variable Insurance Product Fund V, Fidelity Distributors Corporation, and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Pre-Effective Amendment No. 2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August 27, 2008 (File Nos. 333-9540 and 811-09507).
	27.					Amendment No.  6 to the Participation Agreement among Franklin Templeton Variable Insurance Products Trust, Franklin Templeton Distributors, Inc., and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Pre-Effective Amendment No. 2 to the initial registration statement on Form  N-6/A Farmers Variable Life Separate Account A filed with the SEC on August 27, 2008 (File Nos. 333-9540 and 811-09507).
	28.					Amendment No. 1 to the Participation Agreement among Janus Aspen Series  (Institutional Shares), Janus Capital Corporation and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Pre-Effective Amendment No.  2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August  27, 2008 (File Nos. 333-9540 and 811-09507).
	29.					Amendment No. 1 to the Participation Agreement among Janus Aspen Series  (Service Shares), Janus Capital Corporation and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Pre-Effective Amendment No.  2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August  27, 2008 (File Nos. 333-9540 and 811-09507).
	30.					Amendment No.  2 to the Participation Agreement among PIMCO Variable Insurance Trust, PIMCO Funds Distributors LLC, and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Pre-Effective Amendment No. 2 to the initial registration statement on Form N-6/A Farmers Variable Life Separate Account A filed with the SEC on August 27, 2008 (File Nos. 333-9540 and 811-09507).
	31.					Novation Amendment to Participation Agreement among Allianz Global Investors Distributors LLC (AGID), PIMCO Investments LLC (PI), PIMCO Variable Insurance Trust and Farmers New World Life Insurance Company (March 10, 2011), is incorporated herein by reference to filed in Post-Effective Amendment No. 3 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2011 (File Nos. 333-149540 and 811-09507).
	32.					Supplement to Participation Agreement Dated March 10, 2000 among DWS Variable Series  II (“DWSVS II”), Deutsche Investment Management Americas Inc, DWS Investments Distributors,  Inc. and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Post-Effective Amendment No. 3 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2011 (File Nos. 333-149540 and 811-09507).
	33.					Assignment and Amendment by and among PIMCO Variable Insurance Trust and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Post-Effective Amendment No. 4 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2012 (File Nos. 333-149540 and 811-09507).

	34.	Amendment to Participation Agreement by and among PIMCO Variable Insurance Trust, PIMCO Investments LLC and Farmers New World Life Insurance Company (January 28, 2013.), is incorporated herein by reference to filed in Post-Effective Amendment No. 5 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File Nos. 333-149540 and 811-09507).
	35.	Amendment to Participation Agreement Dated April 14, 2000 between DWS Variable Series  I, Deutsche Investment Americas, Inc., DWS Investments Distributors, Inc. and Farmers New World Life Insurance Company (February  4, 2013.), is incorporated herein by reference to filed in Post-Effective Amendment No. 5 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File Nos. 333-149540 and 811-09507).
	36.	Amendment to Participation Agreement Dated April  23, 2003 between DWS Investment VIT Funds, Deutsche Investment Americas, Inc., and Farmers New World Life Insurance Company (February  4, 2013.), is incorporated herein by reference to filed in Post-Effective Amendment No. 5 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File Nos. 333-149540 and 811-09507).
	37.	Amendment to Participation Agreement Dated March 10, 2000 between DWS Variable Series  II, Deutsche Investment Americas, Inc., and Farmers New World Life Insurance Company (February 4, 2013, is incorporated herein by reference to filed in Post-Effective Amendment No.  5 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  30, 2013 (File Nos. 333-149540 and 811-09507).
	38.	Amendment to Participation Agreement Dated May  15, 2000 between Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors. Inc. and Farmers New World Life Insurance Company (January  15, 2013.), is incorporated herein by reference to filed in Post-Effective Amendment No. 5 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File Nos. 333-149540 and 811-09507).
	39.	Participation Agreement Addendum to Participation Agreement Dated May  15, 2000 by and among Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors,  Inc. and Farmers New World Life Insurance Company (2012.), is incorporated herein by reference to filed in Post-Effective Amendment No. 5 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File Nos. 333-149540 and 811-09507).
	40.	Amendment to Participation Agreement Dated May  15, 2000 by and between Goldman Sachs Variable Insurance Trust, Goldman Sachs and Co., and Farmers New World Life Insurance Company (January  28, 2013.), is incorporated herein by reference to filed in Post-Effective Amendment No. 5 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File Nos. 333-149540 and 811-09507).
	41.	Amendment to the Fund Participation Agreement dated April  20, 2001 between Dreyfus and Farmers New World Life Insurance Company (April 5, 2013.), is incorporated herein by reference to filed in Post-Effective Amendment No. 5 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April  30, 2013 (File Nos. 333-149540 and 811-09507).
	42.	Amendment to the Letter Agreement between Deutsche Investment Management Americas Inc. and Farmers New World Life Insurance Company (January  1, 2015.), is incorporated herein by reference to filed in Post-Effective Amendment No. 8 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2016 (File Nos. 333-149540 and 811-09507).
	43.	Amendment to the Indemnification Agreement between Deutsche Investment Management Americas Inc. and Farmers New World Life Insurance Company (January 1, 2015.), is incorporated herein by reference to filed in Post-Effective Amendment No. 8 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2016 (File Nos. 333-149540 and 811-09507).
	44.	Second Amendment dated as of April 7, 2016 to the Participation Agreement dated August  25, 2008 by and among Principal Variable Contracts Funds, Inc., (formerly Principal Variable Contracts Fund, Inc.), Principal Funds Distributor,  Inc., and Farmers New World Life Insurance Company, is incorporated herein by reference to filed in Post-Effective Amendment No. 8 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on April 29, 2016 (File Nos. 333-149540 and 811-09507).
	45.	Termination of Participation Agreement (dated March 28, 2001) among Calvert Variable Series,  Inc., Calvert Distributors, Inc., and Farmers New World Life Insurance Company dated September 19, 2017, and effective December  30, 2016, is incorporated herein by reference to filed in Post-Effective Amendment No. 10 to the initial registration statement on Form  N-6 Farmers Variable Life Separate Account A filed with the SEC on May 21, 2018 (File Nos. 333-149540 and 811-09507).
	46.	Fund Participation Agreement among Eaton Vance Distributors, Inc., Calvert Variable Series,  Inc., and Farmers New World Life Insurance Company dated October 23, 2017, and effective December 30, 2016, is incorporated herein by reference to filed in Post-Effective Amendment No.  10 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on May  21, 2018 (File Nos. 333-149540 and 811-09507).
	47.	Amendment No.  1 to Fund Participation and Service Agreement among Farmers New World Life Insurance Company, American Funds Distributors,  Inc., American Funds Service Company, Capital Research and Management Company, and the American Funds Insurance Series., effective December 31, 2018

	48.	Amendment to Participation Agreement by and among Franklin Templeton Variable Insurance Products Trust, Franklin/Templeton Distributors, Inc., Legg Mason Investor Services, LLC, and Farmers New World Life Insurance Company, effective June 25, 2021 filed with the SEC on April 29, 2022.
i.	Administrative Contracts.
	1.	Consulting Services Agreement between McCamish Systems, L.L.C. and Farmers New World Life Insurance Company, incorporated herein by reference to Pre-Effective Amendment No. 1 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on November 15, 1999.
	2.	Master Administration Agreement between McCamish Systems, LLC and Farmers New World Life Insurance Company dated as of April  1, 2001, incorporated herein by reference to Post-Effective Amendment No. 3 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 26, 2002.
j.	Other Material Contracts.
	1.	Power of Attorney, Filed herewith
k.	Legal Opinion.
	1.	Opinion of Ian Macleod, Attorney-in-Fact, Filed herewith
l.	Actuarial Opinion. Not applicable.
m.	Calculations. Not applicable.
n.	Other Opinions.
	1.	Consent of Independent Registered Public Accounting Firm Filed herewith.
o.	Omitted Financial Statements.
	Not applicable.
p.	Initial Capital Agreements.
	Not applicable.
q.	Redeemability Exemption.
	1.	Description of Issuance, Transfer and Redemption Procedures, is incorporated herein by reference to the Pre-Effective Amendment No. 1 to the initial registration statement on Form  N-6/A for Farmers Variable Life Separate Account A filed with the SEC on August 11, 2008 (File Nos. 333-149540 and 811-09507).
	2.	Revised Description of Issuance, Transfer and Redemption Procedures, is incorporated herein by reference to filed in Post-Effective Amendment No. 4 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 30, 2012 (File Nos. 333-149540 and 811-09507).
	3.	Revised Description of Issuance, Transfer and Redemption Procedures, is incorporated herein by reference to filed in Post-Effective Amendment No. 7 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 28, 2015 (File Nos. 333-149540 and 811-09507).
	4.	Revised Description of Issuance, Transfer and Redemption Procedures, is incorporated herein by reference to filed in Post-Effective Amendment No. 9 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A filed with the SEC on April 28, 2017 (File Nos. 333-149540 and 811-09507).
	5.	Revised Description of Issuance, Transfer and Redemption Procedures, is incorporated herein by reference to filed in Post-Effective Amendment No. 14 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A.
	6.	Revised Description of Issuance, Transfer and Redemption Procedures, is incorporated herein by reference to filed in Post Effective Amendment No. 18 to the initial registration statement on Form N-6 Farmers Variable Life Separate Account A.
r.	Form of Initial Summary Prospectuses, Filed herewith.

Name and Principal Business Address	Positions and Offices with Depositor
Annette Thompson3	Director
Scott Stoll7	Director
David Travers5	Director
Warren Tucker6 John Griek1	Director Director and Assistant Treasurer
David Hernandez2	Director, Chairman of the Board and Interim President
Clay Callahan2	Chief Financial Officer
Michael Rohwetter4	Chief Investment Officer
Paula Gospel2	Chief Risk Officer
Keith A. Terry2	Appointed Actuary, Illustration Actuary and Chief Actuary
Nick Shappie2	Controller
Michael Hoetzel2	Chief Claims Officer
Robert Gibson2	38a-1 Chief Compliance Officer
Dan Krause2	Interim Chief Underwriting Officer
Tina de Jong2	Managing Corporate Counsel and Corporate Secretary
Jim Taylor1	Chief Compliance Officer
Michael Langford1	Assistant Treasurer
Asya Alexandrovich1	Assistant Secretary
Nicole J. Pryor1	Assistant Secretary
Matthew Bowman2 John Odendahl1 Jessica Brostek-Maciel1	Assistant Secretary Assistant Secretary Assistant Secretary

1	The principal business address is 6301 Owensmouth Ave., Woodland Hills, CA 91367.

2	The principal business address is 12822 SE 32nd Street, Suite 2, Bellevue, WA 98005.

3	The principal business address is 735 Avenida Alcola, Arroyo Grande, CA 93420.

4	The principal business address is 4 World Trade Center, 150 Greenwich St., New York, NY 10007.

5	The principal business address is 15700 Long Vista Dr., Austin, TX 78728.

6	The principal business address is 9618 SW Quartermaster Dr., Vashon, WA 98070.

7	The principal business address is 6900 Chileno Valley Road, Petaluma, CA 94952.

	Company	Domicile			Ownership	%

3PZ Holdings, LLC	DE	ZSF/Dallas Tower LLC	63.77000
Access Franchise Management Limited	GBR	Zurich Assurance Ltd	100.00000
ACN 000 141 051 Ltd.	AUS	Zurich Financial Services Australia Limited	100.00000
Afterland Limited	GBR	Zurich Assurance Ltd	100.00000
AG Haus der Wirtschaft	CHE	Zurich Versicherungs-Gesellschaft AG	8.16327
AIG Travel Asia Pacific Pte. Ltd.	SGP	Zurich Cover-More Global Travel, Inc.	100.00000
AIG Travel Assist Consulting (Shanghai) Co., Ltd.	CHN	Zurich Cover-More Global Travel, Inc.	100.00000
AIG Travel Assist Malaysia Sdn. Bhd.	MYS	Zurich Cover-More Global Travel, Inc.	100.00000
Allied Dunbar Assurance plc	GBR	Zurich Financial Services (UKISA) Nominees Limited	100.00000
Allied Dunbar Financial Services Limited	GBR	Allied Dunbar Assurance plc	100.00000
Allied Dunbar Provident plc	GBR	Allied Dunbar Assurance plc	100.00000
Allied Zurich Holdings Limited	JEY	Zurich Versicherungs-Gesellschaft AG	100.00000
Allied Zurich Limited	GBR	Zurich Insurance Group Ltd.	100.00000
American Guarantee and Liability Insurance Company	NY	Zurich American Insurance Company	100.00000
American Zurich Insurance Company	IL	Steadfast Insurance Company	100.00000
Applyhere Pty Ltd	AUS	Davidson Trahaire Holding Pty Ltd	100.00000
Ashdale Land and Property Company Limited	GBR	Zurich Insurance plc	100.00000
Asistbras S/A Assistência ao Viajante	BRA	Travel Ace Internacional de Servicios S.A.	65.00000
Assistancee Online Pte. Ltd	SGP	Customer Care Assistance Pty Ltd	100.00000
ASTIS Holdings Limited	AUS	Cover-More Finance Pty Limited	100.00000
Aust Office 1, LLC	DE	Zurich American Insurance Company	100.00000
autoSense AG	CHE	Zürich Versicherungs-Gesellschaft AG	33.33000
Ballykilliane Holdings Limited	IRL	Zurich Insurance plc	100.00000
Bansabadell Pensiones, E.G.F.P, S.A.	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied	50.00000
Bansabadell Seguros Generales, S.A. de Seguros y Reaseguros	ESP	Zurich Versicherungs-Gesellschaft AG	50.00000
Bansabadell Servicios Auxiliares De Seguros, S.L.	ESP	Bansabadell Seguros Generales, S.A. de Seguros y Reaseguros	100.00000
Bansabadell Vida S.A. de Seguros y Reaseguros	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied	50.00000
Benefit Finance Partners, L.L.C.	DE	Zurich Benefit Finance LLC	50.00000
BFP Securities LLC	DE	Benefit Finance Partners, L.L.C.	100.00000
Bloomington Office LP	DE	Zurich Structured Finance, Inc.	99.00000
Bloomington Office MGP Manager, Inc	DE	Zurich Structured Finance, Inc.	100.00000
Bloomington Office MGP, LLC	DE	Bloomington Office MGP Manager, Inc	1.00000
Bloomington Office MGP, LLC	DE	Zurich Structured Finance, Inc.	99.00000
Blue Insurance Australia Pty Ltd	AUS	Blue Insurance Limited	100.00000
Blue Insurance Limited	IRL	Cover-More Australia Pty Ltd	97.61000
Blue Marble Micro Limited	GBR	Zürich Versicherungs-Gesellschaft AG	100.00000
Blue Marble Microinsurance, Inc.	DE	Blue Marble Micro Limited	100.00000
Bonus Pensionskassen Aktiengesellschaft	AUT	Zurich Versicherungs-Aktiengesellschaft	87.50000
BONUS Vorsorgekasse AG	AUT	Zurich Versicherungs-Aktiengesellschaft	50.00000
BOS Apt 1, LLC	DE	Zurich American Insurance Company	100.00000
BOS Apt 2, LLC	DE	Zurich American Insurance Company	100.00000
BOS Office 3, LLC	DE	Farmers New World Life Insurance Company	100.00000
BOS Office 4, LLC	DE	Zurich American Insurance Company	100.00000
BOS Office 5, LLC	DE	American Zurich Insurance Company	100.00000
BOS Retail 1, LLC	DE	Zurich American Insurance Company	100.00000
Boxx Cyber Services Middle East Ltd	ARE	Boxx Insurance Inc.	100.00000
Boxx Insurance Inc.	CAN	Zürich Versicherungs-Gesellschaft AG	33.33333
Boxx Insurance LLC	FL	Boxx Insurance Inc.	100.00000
Boxx Services PTE Limited	SGP	Boxx Insurance Inc.	100.00000
Boxx Solutions LLC	FL	Boxx Insurance LLC	100.00000
Bristlecourt Limited	GBR	Zurich Assurance Ltd	100.00000
brokerbusiness.ch AG	CHE	Zürich Versicherungs-Gesellschaft AG	25.00000
Cayley Aviation Ltd.	BMU	Zurich Insurance Company Ltd, Bermuda Branch	100.00000
Celta Assistance SL	ESP	Universal Assistance S.A.	100.00000
Centre Group Holdings (U.S.) Limited	DE	Zurich Structured Finance, Inc.	100.00000
Centre Insurance Company	DE	Centre Solutions (U.S.) Limited	100.00000
Centre Life Insurance Company	MA	Centre Solutions (U.S.) Limited	100.00000
Centre Reinsurance (U.S.) Limited	BMU	Centre Group Holdings (U.S.) Limited	100.00000
Centre Solutions (Bermuda) Limited	BMU	Zurich Finance Company Ltd	100.00000
Centre Solutions (U.S.) Limited	BMU	Centre Group Holdings (U.S.) Limited	100.00000
Charlotte Industrial 3, LLC	DE	Farmers New World Life Insurance Company	100.00000
Charlotte Office 1, LLC	DE	Zurich American Insurance Company	100.00000
CHI APT 1, LLC	DE	Zurich American Insurance Company	100.00000
CHI IND 6, LLC	DE	Farmers New World Life Insurance Company	100.00000
Chilena Consolidada Seguros de Vida S.A.	CHL	Inversiones Suizo Chilena S.A.	98.97703
Chilena Consolidada Seguros Generales S.A.	CHL	Chilena Consolidada Seguros de Vida S.A.	7.40525
Chilena Consolidada Seguros Generales S.A.	CHL	Inversiones Suizo Chilena S.A.	82.73165
Cofitem-Cofimur	FRA	Zurich Versicherungs-Gesellschaft AG	12.40521
Collective Benefits Ltd	GBR	Travel Guard Assist, Inc.	100.00000
Collective Denmark ApS	DNK	AIG Travel Asia Pacific Pte. Ltd.	100.00000
Collective Europe Holdings B.V.	NLD	Travel Guard Assist, Inc.	100.00000
Collective Netherlands B.V.	NLD	AIG Travel Asia Pacific Pte. Ltd.	100.00000
Collective Society Ltd	GBR	Travel Guard Assist, Inc.	100.00000
Colonial American Casualty and Surety Company	IL	Fidelity and Deposit Company of Maryland	100.00000
Concisa Vorsorgeberatung und Management AG	AUT	Bonus Pensionskassen Aktiengesellschaft	100.00000
Cover-More (NZ) Limited	NZL	Cover-More Australia Pty Ltd	100.00000
Cover-More Asia Pte. Ltd	SGP	Travel Assist Pty Limited	100.00000
Cover-More Australia Pty Ltd	AUS	Cover-More Holdings Pty Ltd	100.00000
Cover-More Finance Pty Limited	AUS	Cover-More Group Limited	100.00000
Cover-More Group Limited	AUS	Zurich Travel Solutions Pty Limited	100.00000
Cover-More Holdings Pty Ltd	AUS	Travel Assist Pty Limited	100.00000
Cover-More Holdings USA Inc.	DE	Travel Assist Pty Limited	100.00000
Cover-More Inc.	DE	Cover-More Holdings USA Inc.	100.00000
Cover-More Insurance Services Limited	GBR	Cover-More Australia Pty Ltd	100.00000
Cover-More Insurance Services Pty Ltd	AUS	Travel Assist Pty Limited	100.00000
Cowbell Cyber India Private Limited	IND	Cowbell Cyber, Inc.	100.00000
Cowbell Cyber Limited	GBR	Cowbell Cyber, Inc.	100.00000
Cowbell Cyber Technologies ULC	CAN	Cowbell Cyber, Inc.	100.00000
Cowbell Insurance Agency Inc.	CAN	Cowbell Cyber, Inc.	100.00000
Cowbell Insurance Agency, LLC	CA	Cowbell Cyber, Inc.	100.00000
Cowbell Managing General Agency Limited	GBR	Cowbell Cyber, Inc.	100.00000
Cowbell Reinsurance Company	VT	Cowbell Cyber, Inc.	100.00000
Cowbell Specialty Insurance Company	NE	Cowbell Cyber, Inc.	100.00000
Cowbell, Inc.	DE	Cowbell Cyber, Inc.	100.00000
CREC (Bloomington) Lender, LLC	DE	Zurich Structured Finance, Inc.	0.00000
CREC (Dallas) Lender, LLC	DE	Zurich Structured Finance, Inc.	100.00000
CREC (Florence), LLC	DE	ZSF/KY Annex LLC	50.00000
CREC (Florence), LLC	DE	ZSF/Office KY, LLC	50.00000
CREC (Las Vegas), LLC	DE	Zurich Structured Finance, Inc.	100.00000
CREC (Sioux Falls) Owner, LLC	DE	Zurich Structured Finance, Inc.	100.00000
CREC (Sioux Falls), LLC	DE	Zurich Structured Finance, Inc.	100.00000
Customer Care Assistance Pty Ltd	AUS	Customer Care Holdings Pty Ltd	100.00000
Customer Care Holdings Pty Ltd	AUS	Travel Assist Pty Limited	100.00000
Customer Care Pty Ltd	AUS	Customer Care Holdings Pty Ltd	100.00000
Cyberboxx Cyber Services India Private Limited	IND	Boxx Insurance Inc.	100.00000
DA Deutsche Allgemeine Versicherung Aktiengesellschaft	DEU	Zürich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
Dallas Office MGP Manager, Inc.	DE	Zurich Structured Finance, Inc.	100.00000
Dallas Office MGP, LLC	DE	Dallas Office MGP Manager, Inc.	1.00000
Dallas Office MGP, LLC	DE	Zurich Structured Finance, Inc.	99.00000
Dallas Tower LP	DE	Zurich Structured Finance, Inc.	99.00000
Davidson Trahaire Corpsych (Singapore) Pte. Limited	SGP	DTC Bidco Pty Ltd	100.00000
Davidson Trahaire Corpsych Pty Ltd	AUS	Applyhere Pty Ltd	35.00000
Davidson Trahaire Corpsych Pty Ltd	AUS	Davidson Trahaire Holding Pty Ltd	65.00000
Davidson Trahaire Holding Pty Ltd	AUS	DTC Australia Pty Ltd	100.00000
DB Vita S.A.	LUX	Deutscher Herold Aktiengesellschaft	25.00000
DEN Industrial 2, LLC	DE	Zurich American Insurance Company	100.00000
DEN Office 1, LLC	DE	American Zurich Insurance Company	50.00000
Dentolo Deutschland GmbH	DEU	Zürich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
Deutsche Zurich Pensiones, Entidad Gestora de Fondos de Pens	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied	50.00000
Deutscher Herold Aktiengesellschaft	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	79.82639
Deutscher Pensionsfonds Aktiengesellschaft	DEU	Deutscher Herold Aktiengesellschaft	74.90000
Deutsches Institut fur Altersvorsorge GmbH	DEU	Deutscher Herold Aktiengesellschaft	22.00000
DIG GmbH	DEU	Digital Insurance Group B.V.	100.00000
DTC Australia Pty Ltd	AUS	DTC Bidco Pty Ltd	100.00000
DTC Bidco Pty Ltd	AUS	DTC Holdco Pty Ltd	100.00000
DTC Holdco Pty Ltd	AUS	ASTIS Holdings Limited	100.00000
DTC NZ Bidco Limited	NZL	DTC Bidco Pty Ltd	100.00000
Dunbar Assets Ireland	IRL	ZCM Asset Holding Company (Bermuda) Limited	0.00000
Dunbar Assets Ireland	IRL	Zurich Finance Company Ltd	0.03664
Dusfal S.A.	URY	Zürich Versicherungs-Gesellschaft AG	100.00000
Eagle Star (Leasing) Limited	GBR	Zurich Assurance Ltd	100.00000
Eagle Star European Life Assurance Company Limited	IRL	Zurich Life Assurance plc	100.00000
Eagle Star Group Services Limited	GBR	Eagle Star Holdings Limited	100.00000
Eagle Star Holding Company of Ireland	IRL	Zurich Assurance Ltd	0.00100
Eagle Star Holding Company of Ireland	IRL	Zurich Assurance Ltd	99.99900
Eagle Star Holdings Limited	GBR	Zurich Financial Services (UKISA) Limited	100.00000
EcoHub AG	CHE	Zürich Versicherungs-Gesellschaft AG	6.16371
Edilspettacolo SRL	ITA	Zurich Insurance Company Ltd - Rappresentanza Generale per l	35.71233
Empire Fire and Marine Insurance Company	IL	Zurich American Insurance Company	100.00000
Empire Indemnity Insurance Company	OK	Zurich American Insurance Company	100.00000
Employee Services Limited	GBR	Allied Dunbar Financial Services Limited	100.00000
Endsleigh Financial Services Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Endsleigh Pension Trustee Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Euclid KY Annex, LP	DE	Zurich Structured Finance, Inc.	99.00000
Euclid Office LP	DE	Zurich Structured Finance, Inc.	99.00000
Euroamérica Administradora General de Fondos S.A	CHL	Chilena Consolidada Seguros de Vida S.A.	100.00000
Extremus Versicherung-Aktiengesellschaft	DEU	Zurich Insurance plc Niederlassung fur Deutschland	5.00000
Farmers Family Fund	CA	Farmers Group, Inc.	100.00000
Farmers General Insurance Agency, Inc.	RI	FIG Leasing Co, Inc.	100.00000
Farmers Group, Inc.	NV	Zurich Insurance Group Ltd.	12.10000
Farmers Group, Inc.	NV	Zurich Versicherungs-Gesellschaft AG	87.90000
Farmers Life Insurance Company of New York	NY	Farmers New World Life Insurance Company	100.00000
Farmers New World Life Insurance Company	WA	Farmers Group, Inc.	100.00000
Farmers Reinsurance Company	CA	Farmers Group, Inc.	100.00000
Farmers Services Corporation	NV	Farmers Group, Inc.	100.00000
Farmers Underwriters Association	CA	Farmers Group, Inc.	100.00000
Fidelity and Deposit Company of Maryland	IL	Zurich American Insurance Company	100.00000
FIG Holding Company	CA	Farmers Group, Inc.	100.00000
FIG Leasing Co., Inc.	CA	Farmers Group, Inc.	100.00000
Fire Underwriters Association	CA	Farmers Group, Inc.	100.00000
Fitsense Insurance  Services Pty Ltd	AUS	Travel Assist Pty Limited	100.00000
For Care S.p.A.	ITA	Zurich Investments Life S.p.A.	100.00000
Futuro de Bolivia S.A. Administradora de Fondos de Pensiones	BOL	Zurich Boliviana Seguros Personales S.A.	8.42193
Futuro de Bolivia S.A. Administradora de Fondos de Pensiones	BOL	Zurich South America Invest AB	71.57801
FX Insurance Agency Hawaii, LLC	HI	FIG Leasing Co., Inc.	100.00000
FX Insurance Agency, LLC	DE	FIG Leasing Co., Inc.	100.00000
General Surety & Guarantee Co Limited	GBR	Zurich Insurance Company (U.K.) Limited	100.00000
Grovewood Property Holdings Limited	GBR	Eagle Star Holdings Limited	100.00000
H4B Humboldthafen Einheitsgesellschaft GmbH&Co.KG	DEU	REX-ZDHL S.C.S. SICAV-SIF	94.90000
Halo Holdco Limited	GBR	Cover-More Australia Pty Ltd	100.00000
Halo Holdco Limited	GBR	Zürich Versicherungs-Gesellschaft AG	0.00000
Halo Insurance Services Limited	GBR	Halo Holdco Limited	100.00000
Halo Insurance Services Pty Ltd	AUS	Halo Insurance Services Limited	100.00000
Hawkcentral Limited	GBR	Zurich Assurance Ltd	100.00000
Healthinsite Proprietary Limited	ZAF	Zürich Versicherungs-Gesellschaft AG	100.00000
Healthlogix Pty Ltd	AUS	Insite Holdings Pty Ltd	100.00000
Healthlogix Technologia Eireli	BRA	Healthlogix Pty Ltd	100.00000
Herengracht Investments B.V	DEU	RE Curve Holding B.V.	100.00000
Hestia Arroyomolinos S.L.U.	ESP	REX-SPAIN-ZDHL S.L.	100.00000
Hestia Móstoles S.L.U.	ESP	REX-SPAIN-ZDHL S.L.	100.00000
HOU IND 1, LLC	DE	Zurich American Insurance Company	100.00000
HOU IND 2, LLC	DE	Zurich American Insurance Company	100.00000
HOU IND 3, LLC	DE	Zurich American Insurance Company	100.00000
Icen Risk B.V.	NLD	Nexit 2018 Limited	100.00000
Icen Risk B.V.	ITA	Icen Risk B.V.	100.00000
Icen Risk B.V. (Italian Branch)	ITA	Nexit 2018 Limited	100.00000
Icen Risk GmbH	AUS	Nexit 2018 Limited	100.00000
Icen Risk Limited	GBR	Nexit 2018 Limited	100.00000
Independence Center Realty L.P.	DE	Philadelphia Investor, LLC	89.00000
INNATE, Inc.	DC	Cover-More Holdings USA Inc.	100.00000
Insite Holdings Pty Ltd	AUS	Zürich Versicherungs-Gesellschaft AG	100.00000
INTEGRA Versicherungsdienst GmbH	AUT	Zurich Versicherungs-Aktiengesellschaft	100.00000
Intelligent Technologies OÜ	EST	Zürich Versicherungs-Gesellschaft AG	100.00000
International Travel Assistance S.A.	PAN	Zürich Versicherungs-Gesellschaft AG	55.00000
Inversiones Suizo Chilena S.A.	CHL	Inversiones Suizo-Argentina S.A.	0.00100
Inversiones Suizo Chilena S.A.	CHL	Zurich Versicherungs-Gesellschaft AG	99.99900
Inversiones Suizo-Argentina S.A.	ARG	Zurich Lebensversicherungs-Gesellschaft AG	5.00400
Inversiones Suizo-Argentina S.A.	ARG	Zurich Versicherungs-Gesellschaft AG	94.99600
Inversiones ZS America Dos Limitada	CHL	Inversiones ZS America SpA	100.00000
Inversiones ZS America SpA	CHL	Zurich Santander Insurance America, S.L.	100.00000
Inversiones ZS America Tres SpA	CHL	Zurich Santander Insurance America, S.L.	100.00000
Irish National Insurance Company p.l.c.	IRL	Zurich Insurance plc	99.99999
Karvat Cover-More Assist. Pvt Ltd.	IND	Cover-More Asia Pte. Ltd	100.00000
Kennet Road 1 UK Limited	GBR	Zurich Assurance Ltd	100.00000
Kennet Road 2 UK Limited	GBR	Zurich Assurance Ltd	100.00000
Klare Corredora de Seguros S.A.	CHL	Zurich Insurance Mobile Solutions AG	49.90000
Komparu B.V.	NLD	Digital Insurance Group B.V.	100.00000
Kono Insurance Limited	HKG	Zurich Versicherungs-Gesellschaft AG	100.00000
Kraft Lake Insurance Agency, Inc.	MI	FIG Leasing Co, Inc.	100.00000
LA Apt. 1, LLC	DE	Zurich American Insurance Company	100.00000
LA Industrial 1, LLC	DE	Zurich American Insurance Company	100.00000
LA Industrial 4, LLC	DE	Zurich American Insurance Company	100.00000
LA Retail 1 LLC	DE	Zurich American Insurance Company	100.00000
Livetravel Inc.	WI	Zurich Cover-More Global Travel, Inc.	100.00000
Manon Vision Co., Ltd.	THA	Centre Solutions (Bermuda) Limited	0.00057
Manon Vision Co., Ltd.	THA	Zurich Finance Company Ltd	0.00066
Manon Vision Co., Ltd.	THA	Zurich Versicherungs-Gesellschaft AG	99.99877
Mapfre Yaşam Sigorta A.Ş.	TUR	Zurich Sigorta A.S.	99.77778
Meatpacking B.V.	NLD	Rock Inne Vastgoed B.V.	100.00000
Medidata AG	CHE	Zurich Versicherungs-Gesellschaft AG	8.85180
Miami Industrial 1, LLC	DE	Zurich American Insurance Company	100.00000
Miami Office 2, LLC	DE	Zurich American Insurance Company	100.00000
Miami Office 3, LLC	DE	Zurich American Insurance Company	100.00000
Miami Retail 1, LLC	DE	Zurich American Insurance Company	100.00000
Minas Brasil Promotora de Servicos S/A	BRA	Zurich Minas Brasil Seguros S.A,	100.00000
MSP APT 1, LLC	DE	Zurich American Insurance Company	100.00000
Nashville Apt. 1, LLC	DE	Zurich American Insurance Company	0.00000
Nashville Office 1, LLC	DE	Zurich American Insurance Company	100.00000
Navigators and General Insurance Company Limited	GBR	Zurich Insurance plc	100.00000
Nearheath Limited	GBR	Zurich Assurance Ltd	100.00000
Nexit 2018 Limited	GBR	Zürich Versicherungs-Gesellschaft AG	48.97314
NY Industrial 1, LLC	DE	Zurich American Insurance Company	100.00000
Oak Underwriting plc	GBR	Zurich Holdings (UK) Limited	100.00000
OnePath General Insurance Pty Limited	AUS	Zurich Financial Services Australia Limited	100.00000
OnePath Life Australia Holdings Pty  Ltd	AUS	Zurich Financial Services Australia Limited	100.00000
OnePath Life Limited	AUS	OnePath Life Australia Holdings Pty  Ltd	100.00000
Onsi Australia Pty Ltd	AUS	Collective Group Holdings Limited	100.00000
Orange Stone Company	IRL	Zurich Finance Company AG	100.00000
Orion Rechtsschutz-Versicherung AG	CHE	Zurich Versicherungs-Gesellschaft AG	78.00000
Parcelgate Limited	GBR	Zurich Assurance Ltd	100.00000
Perils AG	CHE	Zurich Versicherungs-Gesellschaft AG	11.11111
Perunsel S.A.	URY	Zürich Versicherungs-Gesellschaft AG	60.00000
PFS Pension Fund Services AG	CHE	Zürich Versicherungs-Gesellschaft AG	18.43333
Philly Office 1, LLC	DE	Zurich American Insurance Company	100.00000
Philly Office Land, LLC	DE	Zurich American Insurance Company	100.00000
POR Apt 1, LLC	DE	Zurich American Insurance Company	100.00000
POR Apt 2, LLC	DE	Zurich American Insurance Company	100.00000
Prime Corporate Psychology Pty Ltd	AUS	DTC Bidco Pty Ltd	100.00000
Protektor Lebensversicherungs-AG	DEU	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	5.15838
PT Asuransi Adira Dinamika Tbk	IDN	Zürich Versicherungs-Gesellschaft AG	98.48794
PT Zurich Insurance Indonesia	IDN	Zürich Rückversicherungs-Gesellschaft AG	1.56878
PT Zurich Insurance Indonesia	IDN	Zurich Versicherungs-Gesellschaft AG	97.09134
PT Zurich Topas Life	IDN	Zurich Versicherungs-Gesellschaft AG	80.00000
Qover	BEL	Zürich Versicherungs-Gesellschaft AG	21.26000
Raleigh Office 2, LLC	DE	Farmers New World Life Insurance Company	100.00000
RE Curve Holding B.V.	DEU	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	100.00000
Real Garant Espana S.L.	ESP	Real Garant GmbH Garantiesysteme	100.00000
Real Garant GmbH Garantiesysteme	DEU	Real Garant Versicherung Aktiengesellschaft	100.00000
Real Garant Versicherung Aktiengesellschaft	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
REX Baume S.C.I	FRA	REX Holding France	100.00000
REX Holding France	FRA	REX OPPCI Fonds	100.00000
REX Holding S.a.r.l.	LUX	REX-ZDHL S.C.S. SICAV-SIF	100.00000
REX Mauchamps	FRA	REX Holding France	100.00000
REX Vilette	FRA	REX Holding France	0.00000
REX-Aurea-ZDHL S.C.S.	LUX	REX-ZDHL GP S.à r.l.	100.00000
REX-De Baak B.V.	NLD	REX Holding S.à r.l.	100.00000
REX-Germany-ZDHL S.C.S	LUX	REX-ZDHL S.C.S. SICAV-SIF	95.240
REX-Humboldthafen Verwaltungs GmbH	DEU	REX-ZDHL S.C.S. SICAV-SIF	100.00000
Rex-Spain-ZDHL S.L.	ESP	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	100.00000
REX-The East S.à.r.l	LUX	REX-ZDHL S.C.S. SICAV-SIF	94.80000
REX-ZDHL GP S.a.r.l.	LUX	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	100.00000
REX-ZDHL S.C.S. SICAV-SIF	LUX	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	100.00000
Rock Inne Vastgoed B.V.	NLD	REX Holding S.à.r.l.	100.00000
Rokin 21 B.V.	NLD	Roxana Vastgoed B.V.	100.00000
Rokin 49 B.V.	NLD	Rock Inne Vastgoed B.V.	100.00000
Roxana Vastgoed B.V.	NLD	REX Holding S.à.r.l.	100.00000
Rural Community Insurance Company	MN	Zurich American Insurance Company	100.00000
San Diego Retail 1, LLC	DE	Zurich American Insurance Company	100.00000
Santander Rio Seguros S.A.	ARG	Inversiones ZS America SpA	4.00000
Santander Rio Seguros S.A.	ARG	Zurich Santander Insurance America, S.L.	96.00000
Santander Seguros Sociedad Anónima	URY	Zurich Santander Insurance America, S.L.	100.00000
Saudi National Insurance Company	BHR	Zurich Insurance Company Ltd (Bahrain Branch)	5.00000
SEA APARTMENT 2, LLC	DE	Zurich American Insurance Company	100.00000
Serviaide, S.A. - Sociedad Unipersonal	ESP	AIDE Asistencia Seguros y Reaseguros, S.A. - Sociedad Uniper	100.00000
Servizurich S.A. - Sociedad Unipersonal	ESP	Zurich Insurance plc, Sucursal en Espana	100.00000
SF Apt 1, LLC	DE	Zurich American Insurance Company	100.00000
SpearTip, LLC	IL	Zurich Holding Company of America, Inc.	100.00000
Speigelhof Vastgoed B.V.	DEU	RE Curve Holding B.V.	100.00000
Springboard Health and Performance Pty Ltd	AUS	DTC Bidco Pty Ltd	100.00000
Springworks International AB	SWE	autoSense AG	50.00000
Steadfast Insurance Company	IL	Zurich American Insurance Company	100.00000
Stratos Limited	NZL	DTC NZ Bidco Limited	100.00000
Swiss Insurance Management (Hong Kong) Limited	HKG	Zurich Services (Hong Kong) Limited	0.49505
Swiss Insurance Management (Hong Kong) Limited	HKG	Zurich Insurance Holdings (Hong Kong) Limited	99.50495
TDG Tele Dienste GmbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
Tennyson Insurance Limited	GBR	Zurich Holdings (UK) Limited	100.00000
TGG Real Estate Holdings LLC	DE	Zurich Cover-More Global Travel, Inc.	100.00000
The Liverpool Reversionary Company Limited	GBR	Zurich Legacy Solutions Services (UK) Limited	100.00000
The Zurich Services Corporation	IL	Zurich Holding Company of America, Inc.	100.00000
TopReport Schadenbesichtigungs GmbH	AUT	Zurich Versicherungs-Aktiengesellschaft	14.28571
Travel Ace Chile S.A.	CHL	Travel Ace Internacional de Servicios S.A.	1.00000
Travel Ace Chile S.A.	CHL	Zürich Versicherungs-Gesellschaft AG	99.00000
Travel Ace Internacional de Servicios S.A.	URY	Zürich Versicherungs-Gesellschaft AG	100.00000
Travel Assist Pty Limited	AUS	ASTIS Holdings Limited	100.00000
Travel Guard Americas LLC	WI	Zurich Cover-More Global Travel, Inc.	100.00000
Travel Guard Assist, Inc.	DE	Zurich Cover-More Global Travel, Inc.	100.00000
Travel Guard EMEA Limited	GBR	Zurich Cover-More Global Travel, Inc.	100.00000
Travel Guard Group Canada, Inc.	CAN	Zurich Cover-More Global Travel, Inc.	100.00000
Travel Guard Group, Inc.	WI	Zurich Cover-More Global Travel, Inc.	100.00000
Travel Insurance Partners Pty Ltd	AUS	Travel Assist Pty Limited	100.00000
Travel Insurance Services Canada Inc.	CAN	World Travel Protection Canada Inc.	100.00000
Travelex Insurance Services Limited	DE	Cover-More Holdings USA Inc.	100.00000
Truck Underwriters Association	CA	Farmers Group, Inc.	100.00000
Turegum Immobilien AG	CHE	Zurich Versicherungs-Gesellschaft AG	100.00000
UA Assistance S.A. de C.V.	MEX	Travel Ace Internacional de Servicios S.A.	0.00000
UA Assistance S.A. de C.V.	MEX	Zürich Versicherungs-Gesellschaft AG	100.00000
Universal Assistance S.A.U	ARG	Zürich Versicherungs-Gesellschaft AG	100.00000
Universal Assistance Chile S.A.	CHL	Zürich Versicherungs-Gesellschaft AG	99.98503
Universal Assistance Chile S.A.	CHL	Travel Ace Internacional de Servicios S.A.	0.01497
Universal Assistance S.A.	URY	Zürich Versicherungs-Gesellschaft AG	100.00000
Universal Travel Assistance S.A.S.	COL	Zürich Versicherungs-Gesellschaft AG	100.00000
Universal Underwriters Insurance Company	IL	Zurich American Insurance Company	100.00000
Universal Underwriters of Texas Insurance Company	IL	Universal Underwriters Insurance Company	100.00000
Universal Underwriters Service Corporation	MO	Zurich Holding Company of America, Inc.	100.00000
Unviversal Assistance Inc.	FL	Universal Assistance S.A.	0.00000
Vehicle Dealer Solutions, Inc.	FL	Zurich Holding Company of America, Inc.	100.00000
Western Star Insurance Services, Inc.	TX	FIG Leasing Co, Inc.	100.00000
Wohnen H3B Humboldthafen GmbH&Co.KG	DEU	REX-ZDHL S.C.S. SICAV-SIF	94.90000
World Travel Protection Canada Inc.	CAN	Zurich Canadian Holdings Limited	100.00000
Z flex Gesellschaft fur Personaldienstleistungen mbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
ZCM (U.S.) Limited	DE	Zurich Finance Company Ltd	100.00000
ZCM Asset Holding Company (Bermuda) Limited	BMU	Zurich Finance Company Ltd	100.00000
ZGEE14 Limited	GBR	Zurich Legacy Solutions Services (UK) Limited	100.00000
ZLS Aseguradora de Colombia S.A	COL	Zürich Lebensversicherungs-Gesellschaft AG	4.43000
ZLS Aseguradora de Colombia S.A	COL	Zürich Versicherungs-Gesellschaft AG	95.00000
ZNA Services, LLC	DE	Zurich Holding Company of America, Inc.	100.00000
ZPC Capital Limited	GBR	Zurich Holdings (UK) Limited	100.00000
ZSF / Office KY, LLC	DE	Euclid Office LP	100.00000
ZSF / Office NV, LLC	DE	Euclid Office LP	100.00000
ZSF KY Annex, LLC	DE	Euclid KY Annex, LP	100.00000
ZSF/Bloomington, LLC	DE	Bloomington Office LP	100.00000
ZSF/C1 MGP Manager, Inc	DE	Zurich Structured Finance, Inc.	100.00000
ZSF/C1 MGP, LLC	DE	ZSF/C1 MGP Manager, Inc	1.00000
ZSF/C1 MGP, LLC	DE	Zurich Structured Finance, Inc.	99.00000
ZSF/C2 MGP Manager, Inc	DE	Zurich Structured Finance, Inc.	100.00000
ZSF/C2 MGP, LLC	DE	ZSF/CF2 MGP Manager, Inc.	1.00000
ZSF/C2 MGP, LLC	DE	Zurich Structured Finance, Inc.	99.00000
ZSF/Dallas Tower, LLC	DE	Dallas Tower LP	100.00000
ZSG Kfz-ZulassungsservicegesmbH	AUT	Zurich Versicherungs-Aktiengesellschaft	33.33333
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Finanz-Gesellschaft AG	0.00100
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Investments Life S.p.A.	0.00100
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Lebensversicherungs-Gesellschaft AG	99.99600
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Versicherungs-Gesellschaft AG	0.00100
Zurich - Companhia de Seguros Vida S.A.	PRT	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied	0.00100
Zurich (Scotland) Limited Partnership	GBR	Zurich General Partner (Scotland) Ltd	100.00000
Zurich Advice Network Limited	GBR	Allied Dunbar Assurance plc	100.00000
Zurich AFIN Mexico, S.A. DE C.V.	MEX	Zurich Compania de Sefuros, S.A.	0.00200
Zurich AFIN Mexico, S.A. DE C.V.	MEX	Zurich Versicherungs-Gesellschaft AG	99.99800
Zurich Agency Services  Inc.	MA	Zurich Holding Company of America, Inc.	100.00000
Zurich Alternative Asset Management, LLC	DE	Zurich Holding Company of America, Inc.	100.00000
Zurich America Latina Serviços Brasil Ltda.	BRA	Zurich Lebensversicherungs-Gesellschaft AG	0.01000
Zurich America Latina Serviços Brasil Ltda.	BRA	Zurich Versicherungs-Gesellschaft AG	99.99000
Zurich American Insurance Company	NY	Zurich Holding Company of America, Inc.	100.00000
Zurich American Insurance Company of Illinois	IL	American Zurich Insurance Company	100.00000
Zurich American Life Insurance Company	IL	Zurich Holding Company of America, Inc.	100.00000
Zurich American Life Insurance Company of New York	NY	Zurich American Life Insurance Company.	100.00000
Zurich Argentina Cia. de Seguros S.A.	ARG	Inversiones Suizo-Argentina S.A.	55.46140
Zurich Argentina Cia. de Seguros S.A.	ARG	Zurich Versicherungs-Gesellschaft AG	44.53611
Zurich Argentina Companía de Seguros de Retiro S.A.	ARG	Zurich Argentina Cia. de Seguros S.A.	46.64193
Zurich Argentina Companía de Seguros de Retiro S.A.	ARG	Zurich Versicherungs-Gesellschaft AG	53.35807
Zurich Aseguradora Argentina S.A.	ARG	Zürich Versicherungs-Gesellschaft AG	99.90000
Zurich Aseguradora Mexicana, S.A. de C.V.	MEX	Zürich Lebensversicherungs-Gesellschaft AG	0.00000
Zurich Aseguradora Mexicana, S.A. de C.V.	MEX	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Assurance Ltd	GBR	Eagle Star Holdings Limited	100.00000
Zurich Assure Australia Pty Limited	AUS	Zurich Financial Services Australia Limited	100.00000
Zurich Australia Limited	AUS	Zurich Financial Services Australia Limited	100.00000
Zurich Australian Insurance Limited	AUS	Zurich Financial Services Australia Limited	100.00000
Zurich Australian Insurance Properties Pty Limited	AUS	Zurich Australia Limited	40.00000
Zurich Australian Insurance Properties Pty Limited	AUS	Zurich Australian Insurance Limited	60.00000
Zurich Australian Property Holdings Pty Ltd	AUS	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Bank International Limited	GBR	Dunbar Assets Ireland	100.00000
Zurich Benefit Finance LLC	DE	Zurich Holding Company of America, Inc.	100.00000
Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	DEU	Zurich IT Service AG Niederlassung fur Deutschland	82.61672
Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	DEU	Zurich Leben Service AG Niederlassung fur Deutschland	17.38328
Zurich Brand and Experience Studio Spain, S.L.	ESP	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Brasil Capitalizacao S.A	BRA	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Brasil Companhia de Seguros	BRA	Zurich Minas Brasil Seguros S.A.	100.00000
Zurich Building Control Services Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Canadian Holdings Limited	CAN	Zurich Insurance Company Ltd, Canadian Branch	68.81942
Zurich Canadian Holdings Limited	CAN	Zurich Versicherungs-Gesellschaft AG	31.18058
Zurich Commercial Services (Europe) GmbH	DEU	Zürich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
Zurich Community Trust (UK) Limited	GBR	Zurich Financial Services (UKISA) Limited	50.00000
Zurich Community Trust (UK) Limited	GBR	Zurich Financial Services (UKISA) Nominees Limited	50.00000
Zurich Compania de Reaseguros Argentina S.A.	ARG	Inversiones Suizo-Argentina S.A.	95.00000
Zurich Compania de Reaseguros Argentina S.A.	ARG	Zurich Versicherungs-Gesellschaft AG	5.00000
Zurich Companía de Seguros, S.A.	MEX	Zurich Versicherungs-Gesellschaft AG	99.88280
Zurich Corredora de Bolsa S.A.	CHL	Inversiones Suizo Chilena S.A.	99.00030
Zurich Corredora de Bolsa S.A.	CHL	Zurich Investments Chile S.A.	0.99970
Zurich Cover-More Global Travel, Inc.	DE	Zurich Holding Company of America, Inc.	100.00000
Zurich Customer Active Management, d.o.o.	SVN	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich CZI Management Holding Ltd.	DE	Zurich Global Investment Management Inc.	100.00000
Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	DEU	Deutscher Herold Aktiengesellschaft	67.54030
Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	32.45970
Zurich Digital International Private Limited	IND	Zurich Insurance Mobile Solutions AG	99.99000
Zurich Digital International Private Limited	IND	Servizurich S.A. - Sociedad Unipersonal	0.01000
Zurich E&S Insurance Brokerage, Inc.	CA	Zurich American Insurance Company	100.00000
Zurich Employment Services Limited	GBR	Zurich Financial Services (UKISA) Limited	100.00000
Zurich Employment Services Limited, Swindon, Zweigniederlassung Zürich	CHE	Zurich Employment Services Limited	100.00000
Zurich Engineering Inspection Services Ireland Limited	IRL	Zurich Insurance plc	100.00000
Zurich Eurolife S.A.	LUX	Zurich Lebensversicherungs-Gesellschaft AG	90.00000
Zurich Eurolife S.A.	LUX	Zurich Versicherungs-Gesellschaft AG	10.00000
Zurich F&I Reinsurance T&C Limited	TCA	Universal Underwriters Service Corporation	99.99950
Zurich F&I Reinsurance T&C Limited	TCA	Zurich Agency Services  Inc.	0.00050
Zurich Fianzas Mexico, S.A.DE C.V.	MEX	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Finance (Australia) Limited	AUS	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Finance (Ireland) DAC	IRL	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Finance (Ireland) II DAC	IRL	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Finance (UK) plc	GBR	Zurich Financial Services (UKISA) Limited	99.99800
Zurich Finance (UK) plc	GBR	Zurich Financial Services (UKISA) Nominees Limited	0.00200
Zurich Finance Company Ltd	CHE	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Financial Services (Isle of Man) Group Services Limit	GBR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Financial Services (Isle of Man) Holdings Limited	GBR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Financial Services (Isle of Man) Insurance Manager Lt	GBR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Financial Services (UKISA) Limited	GBR	Allied Zurich Holdings Limited	90.31559
Zurich Financial Services (UKISA) Limited	GBR	Zurich Insurance plc	9.68441
Zurich Financial Services (UKISA) Nominees Limited	GBR	Zurich Financial Services (UKISA) Limited	100.00000
Zurich Financial Services Australia Limited	AUS	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Financial Services EUB Holdings Limited	IRL	Zurich Ins Group	0.08333
Zurich Financial Services EUB Holdings Limited	IRL	Zurich Insurance Group Ltd.	99.91667
Zurich Financial Services UK Pension Trustee Limited	GBR	Zurich Financial Services (UKISA) Limited	99.00000
Zurich Finanz-Gesellschaft AG	CHE	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich General Insurance (Hong Kong) Limited	HKG	Zurich Insurance Company Ltd, Hong Kong Branch	100.00000
Zurich General Insurance Company (China) Limited	CHN	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich General Insurance Malaysia Berhad	MYS	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich General Partner (Scotland) Ltd	GBR	Allied Zurich Holdings Limited	100.00000
Zurich General Takaful Malaysia Berhad	MYS	Zurich Holdings Malaysia Berhad	100.00000
Zurich GL Servicios Mexico, S.A. de C.V.	MEX	Zurich Companía de Seguros, S.A.	5.00000
Zurich GL Servicios Mexico, S.A. de C.V.	MEX	Zurich Vida, Compañía de Seguros, S.A.	95.00000
Zurich Global Corporate UK Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Global Investment Management Inc.	DE	Zurich Holding Company of America, Inc.	100.00000
Zurich Global Ventures MGA Solutions (SA)	BEL	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Global, Ltd.	BMU	Zurich Holding Company of America, Inc.	100.00000
Zurich Group Pension Services (UK) Ltd	GBR	Zurich Assurance Ltd	100.00000
Zurich GSG Limited	GBR	Zurich GSH Limited	100.00000
Zurich GSH Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Holding Company of America, Inc.	DE	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Holding Ireland Limited	IRL	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Holding SE	DEU	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Holdings (UK) Limited	GBR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Immobilien (Deutschland) AG & Co. KG	DEU	Zurich Immobilientreuhand (Deutschland) GmbH	0.00000
Zurich Immobilien Liegenschaftsverwaltungs-GesmbH	AUT	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Immobilientreuhand (Deutschland) GmbH	DEU	Zurich Deutscher Herold Lebensversicherung Aktiengesellschaf	100.00000
Zurich Insurance Company (U.K.) Limited	GBR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Insurance Company Escritorio de Representacao no Bras	BRA	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Insurance Company Ltd., Representative Office Buenos Aires	ARG	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Insurance Group Ltd.	CHE	Board of Directors
Zurich Insurance Holdings (Hong Kong) Limited	HKG	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Insurance Malaysia Berhad	MYS	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Insurance plc	IRL	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	25.07428
Zurich Insurance plc	IRL	Zurich Holding Ireland Limited	70.40509
Zurich Insurance plc	IRL	Zurich Insurance Company Ltd - Rappresentanza Generale per l	4.52063
Zurich Insurance plc, Representative Office Buenos Aires	ARG	Zurich Insurance plc	100.00000
Zurich Intermediary Group Limited	GBR	Zurich Financial Services (UKISA) Limited	99.99900
Zurich Intermediary Group Limited	GBR	Zurich Financial Services (UKISA) Nominees Limited	0.00100
Zurich International (UK) Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich International Life Limited	GBR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich International Pensions Administration Limited	IMN	Zurich International Life Limited	100.00000
Zurich Invest AG	CHE	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Investment Management Limited	AUS	Zurich Australia Limited	100.00000
Zurich Investment Services Limited	BMU	Zurich Finance Company Ltd	100.00000
Zurich Investments Life S.p.A.	ITA	Zurich Insurance Company Ltd - Rappresentanza Generale per l	100.00000
Zurich Ireland Master Trustee Designated Activity Company	IRL	Zurich Life Assurance plc	100.00000
Zurich Italy S.p.A.	ITA	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich JVCompany Servicios Mexico, S.A. DE C.V.	MEX	Zurich Santander Seguros Mexico, S.A.	99.99800
Zurich JVCompany Servicios Mexico, S.A. DE C.V.	MEX	Zurich Vida, Compania de Seguros, S.A.	0.00200
Zurich Kotak General Insurance Company (India) Limited	IND	Zurich Shared Services Malaysia Sdn Bhd	0.00000
Zurich Kotak General Insurance Company (India) Limited	IND	Zürich Versicherungs-Gesellschaft AG	70.00000
Zurich Kotak General Insurance Company (India) Limited	IND	Zurich Finance Company AG	0.00000
Zurich Kotak General Insurance Company (India) Limited	IND	Zurich Services Malaysia Sdn Bhd	0.00000
Zurich Kotak General Insurance Company (India) Limited	IND	Zurich Australian Insurance Properties Pty Limited	0.00000
Zurich Kotak General Insurance Company (India) Limited	IND	Zurich Insurance Mobile Solutions AG	0.00000
Zurich Kunden Center GmbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
Zurich Latin America Holding S.L. - Sociedad Unipersonal	ESP	Zurich Lebensversicherungs-Gesellschaft AG	100.00000
Zurich Latin American Services S.A.	ARG	Inversiones Suizo-Argentina S.A.	6.32000
Zurich Latin American Services S.A.	ARG	Zurich Versicherungs-Gesellschaft AG	93.68000
Zurich Lebensversicherungs-Gesellschaft AG	CHE	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Legacy Solutions Services (UK) Limited	GBR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Life Assurance plc	IRL	Zurich Holding Ireland Limited	100.00000
Zurich Life Insurance (Hong Kong) Limited	HKG	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Life Insurance Company Ltd., Representative office Buenos Aires	ARG	Zurich Lebensversicherungs-Gesellschaft AG	100.00000
Zurich Life Preparatory Japan Co. Ltd.	JPN	Zürich Lebensversicherungs-Gesellschaft AG	100.00000
Zurich LiveWell Services and Solutions AG	CHE	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Management (Bermuda) Ltd	BMU	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Management Services Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Medical Analytics Pty Ltd	AUS	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Minas Brasil Seguros S.A,	BRA	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Pension Trustees Ireland Limited	IRL	Zurich Insurance plc	50.00000
Zurich Pension Trustees Ireland Limited	IRL	Zurich Trustee Services Limited	50.00000
Zurich Pension Trustees Limited	GBR	Zurich Assurance Ltd	100.00000
Zurich Pensions Management Limited	GBR	Allied Dunbar Assurance plc	100.00000
Zurich Pensionskassen-Beratung AG	CHE	Zurich Lebensversicherungs-Gesellschaft AG	100.00000
Zurich Professional Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Project Finance (UK) Limited	GBR	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Properties Pty Limited	AUS	Zurich Australia Limited	40.00056
Zurich Properties Pty Limited	AUS	Zurich Australian Insurance Limited	59.99944
Zurich Property Services Malaysia Sdn Bhd	MYS	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Realty, Inc.	MD	Zurich Holding Company of America, Inc.	100.00000
Zurich Rechtsschutz-Schadenservice GmbH	DEU	Zurich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
Zurich Resseguradora Brasil S.A.	BRA	Zurich Lebensversicherungs-Gesellschaft AG	0.00100
Zurich Resseguradora Brasil S.A.	BRA	Zurich Versicherungs-Gesellschaft AG	99.99900
Zurich Risk Management Services (India) Private Limited	IND	Zürich Rückversicherungs-Gesellschaft AG	1.00000
Zurich Risk Management Services (India) Private Limited	IND	Zurich Versicherungs-Gesellschaft AG	99.00000
Zurich Ruckversicherungs-Gesellschaft AG	CHE	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Sander Vermögensverwaltungs AG (Deutschland)	DEU	Zürich Beteiligungs-Aktiengesellschaft (Deutschland)	32.46000
Zurich Sander Vermögensverwaltungs AG (Deutschland)	DEU	Deutscher Herold Aktiengesellschaft	67.54000
Zurich Santander Brasil Odonto LTDA.	BRA	Zurich Santander Brasil Seguros e Previdência S.A.	99.00000
Zurich Santander Brasil Odonto LTDA.	BRA	Zurich Santander Brasil Seguros S.A.	1.00000
Zurich Santander Brasil Seguros e Previdência S.A.	BRA	Zurich Latin America Holding S.L. - Sociedad Unipersonal	0.22007
Zurich Santander Brasil Seguros e Previdência S.A.	BRA	Zurich Santander Holding (Spain), S.L.	99.56848
Zurich Santander Brasil Seguros S.A.	BRA	Zurich Santander Brasil Seguros e Previdência S.A.	100.00000
Zurich Santander Holding (Spain), S.L.	ESP	Zurich Santander Insurance America, S.L.	100.00000
Zurich Santander Holding Dos (Spain), S.L.	ESP	Zurich Santander Insurance America, S.L.	100.00000
Zurich Santander Insurance America, S.L.	ESP	Zurich Latin America Holding S.L. - Sociedad Unipersonal	51.00000
Zurich Santander Seguros Argentina S.A.	ARG	Inversiones ZS America SpA	4.00000
Zurich Santander Seguros Argentina S.A.	ARG	Zurich Santander Insurance America, S.L.	96.00000
Zurich Santander Seguros de Vida Chile S.A.	CHL	Inversiones ZS America Dos Limitada	99.78173
Zurich Santander Seguros de Vida Chile S.A.	CHL	Inversiones ZS America SpA	0.21827
Zurich Santander Seguros Generales Chile S.A.	CHL	Inversiones ZS America Dos Limitada	99.50540
Zurich Santander Seguros Generales Chile S.A.	CHL	Inversiones ZS America SpA	0.49460
Zurich Santander Seguros Mexico, S.A.	MEX	Inversiones ZS America SpA	0.00053
Zurich Santander Seguros Mexico, S.A.	MEX	Zurich Santander Insurance America, S.L.	99.99947
Zurich Schweiz Services AG	CHE	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Seguros Ecuador, S.A.	ECU	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Seguros Rentas Vitalicias Chile S.A.	CHL	Zurich Servicios e Inversiones S.A	0.01000
Zurich Service GmbH	DEU	Zurich Versicherungs-Aktiengesellschaft	100.00000
Zurich Services (Australia) Pty Limited	AUS	Zurich Financial Services Australia Limited	100.00000
Zurich Services (Hong Kong) Limited	HKG	Zurich Insurance Holdings (Hong Kong) Limited	99.99714
Zurich Services (Hong Kong) Limited	HKG	Zürich Versicherungs-Gesellschaft AG	0.00286
Zurich Services A.I.E.	ESP	AIDE Asistencia Seguros y Reaseguros, S.A. - Sociedad Uniper	0.00100
Zurich Services A.I.E.	ESP	Bansabadell Pensiones, E.G.F.P, S.A.	0.00100
Zurich Services A.I.E.	ESP	Bansabadell Seguros Generales, S.A. de Seguros y Reaseguros	0.00100
Zurich Services A.I.E.	ESP	Bansabadell Vida S.A. de Seguros y Reaseguros	0.00100
Zurich Services A.I.E.	ESP	Zurich Insurance plc, Sucursal en Espana	97.18000
Zurich Services A.I.E.	ESP	Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied	2.81600
Zurich Services Company (Pty) Ltd	AUS	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Services US. LLC	DE	Farmers Group, Inc.	50.00000
Zurich Services US. LLC	DE	Zurich Holding Company of America, Inc.	50.00000
Zurich Servicios de Mexico, S.A. de. C.V.	MEX	Zurich Vida, Compania de Seguros, S.A.	90.00000
Zurich Servicios de Mexico, S.A. de. C.V.	MEX	Zurich, Compania de Seguros, S.A.	10.00000
Zurich Servicios Directo España, S.L.	ESP	Zurich Insurance Mobile Solutions AG	100.00000
Zurich Servicios y Soporte México, S.A. de C.V.	MEX	Zürich Lebensversicherungs-Gesellschaft AG	0.02000
Zurich Servicios y Soporte México, S.A. de C.V.	MEX	Zürich Versicherungs-Gesellschaft AG	99.98000
Zurich Shared Services S.A.	CHL	Inversiones Suizo Chilena S.A.	99.98667
Zurich Shared Services S.A.	CHL	Zurich Investments Chile S.A.	0.01333
Zurich Sigorta A.S.	TUR	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Small Amount and Short Term Insurance Ltd	JPN	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich South America Invest AB	SWE	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Specialties London Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Structured Finance, Inc.	DE	Zurich Finance Company Ltd	100.00000
Zurich Takaful Malaysia Berhad (ZTMB)	MYS	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Technical and Consulting Services (Beijing) Co. Ltd.	CHN	Zurich Insurance Holdings (Hong Kong) Limited	100.00000
Zurich Technical Development (China) Limited	CHN	Zurich Insurance Holdings (Hong Kong) Limited	100.00000
Zurich Technology Malaysia Sdn Bhd	MYS	Zurich Technology Services Malaysia Sdn Bhd	100.00000
Zurich Technology Services Malaysia Sdn Bhd	MYS	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Transitional Services Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Travel Solutions Pty Limited	AUS	Zürich Versicherungs-Gesellschaft AG	100.00000
Zurich Treasury Services Limited	IRL	Zurich Financial Services EUB Holdings Limited	100.00000
Zurich Trustee Services Limited	IRL	Zurich Life Assurance plc	100.00000
Zurich UK General Employee Services Limited	GBR	Zurich UK General Services Limited	100.00000
Zurich UK General Services Limited	GBR	Zurich Holdings (UK) Limited	100.00000
Zurich Versicherungs-Aktiengesellschaft	AUT	Zurich Versicherungs-Gesellschaft AG	99.98125
Zurich Versicherungs-Gesellschaft AG	CHE	Zurich Insurance Group Ltd.	100.00000
Zurich Vida e Previdencia S.A.	BRA	Zurich Minas Brasil Seguros S.A,	100.00000
Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied	ESP	Zurich Lebensversicherungs-Gesellschaft AG	100.00000
Zurich Vida, Companía de Seguros, S.A.	MEX	Zurich Versicherungs-Gesellschaft AG	100.00000
Zurich Vorsorge-Beratungs und Vertriebs GmbH (Deutschland)	DEU	Zürich Beteiligungs-Aktiengesellschaft (Deutschland)	100.00000
Zurich Workplace Solutions (Middle East) Limited	ARE	Zurich International Life Limited	100.00000

Company	Domicile		Ownership		%
11930 Narcoossee Road, LLC		DE		Mid-Century Insurance Company		100.00000
12225 NE 60th Way, LLC		DE		Truck Insurance Exchange		100.00000
17885 Von Karman, LLC		CA		Farmers Insurance Exchange		100.00000
201 Railroad Ave, LLC		DE		Farmers Insurance Exchange		100.00000
21st Century Casualty Company		CA		21st Century Insurance Group		100.00000
21st Century Centennial Insurance Company		PA		Mid-Century Insurance Company		100.00000
21st Century Insurance Company		CA		21st Century Insurance Group		100.00000
21st Century Insurance Group		DE		Mid-Century Insurance Company		100.00000
21st Century North America Insurance Company		NY		Mid-Century Insurance Company		100.00000
21st Century Pinnacle Insurance Company		NJ		21st Century North America Insurance Company		100.00000
21st Century Premier Insurance Company		PA		21st Century Centennial Insurance Company		100.00000
2475 Mill Center Parkway, LLC		DE		Farmers Insurance Exchange		100.00000
280 Riverside Parkway, LLC		DE		Farmers Insurance Exchange		100.00000
3049 East Washburn Road, LLC		DE		Farmers Insurance Exchange		100.00000
3195 East Washburn Road, LLC		DE		Farmers Insurance Exchange		100.00000
3330 Oak Grove Avenue, LLC		DE		Mid-Century Insurance Company		100.00000
384 Santa Trinita Ave LLC		DE		Fire Insurance Exchange		100.00000
4345 Hamilton Mill Road, LLC		DE		Farmers Insurance Exchange		100.00000
475 Riverside Parkway, LLC		DE		Mid-Century Insurance Company		100.00000
47548 Kato Road, LLC		DE		Farmers Insurance Exchange		100.00000
6671-6675 North Macarthur Blvd, LLC		DE		Mid-Century Insurance Company		100.00000
American Federation Insurance Company		TX		21st Century Insurance Group		100.00000
American Pacific Insurance Company, Inc.		HI		Farmers Insurance Hawaii, Inc.		100.00000
Bristol West Casualty Insurance Company		OH		Coast National Insurance Company		100.00000
Bristol West Holdings, Inc.		DE		Farmers Insurance Exchange		42.00000
Bristol West Holdings, Inc.		DE		Fire Insurance Exchange		3.75000
Bristol West Holdings, Inc.		DE		Mid-Century Insurance Company		47.50000
Bristol West Holdings, Inc.		DE		Truck Insurance Exchange		6.75000
Bristol West Insurance Company		OH		Coast National Insurance Company		100.00000
Bristol West Insurance Services of California, Inc.		CA		Bristol West Holdings, Inc.		100.00000
Bristol West Insurance Services, Inc. of Florida		FL		Bristol West Holdings, Inc.		100.00000
Bristol West Preferred Insurance Company		MI		Bristol West Holdings, Inc.		100.00000
BW GP, LLC		DE		Bristol West Holdings, Inc.		100.00000
BWIS of Nevada, Inc.		NV		Bristol West Holdings, Inc.		100.00000
Civic Property and Casualty Company		CA		Fire Insurance Exchange		80.00000
Civic Property and Casualty Company		CA		Truck Insurance Exchange		20.00000
Coast National General Agency, Inc.		TX		Bristol West Holdings, Inc.		100.00000
Coast National Holding Company		CA		Bristol West Holdings, Inc.		100.00000
Coast National Insurance Company		CA		Coast National Holding Company		100.00000
Economy Fire & Casualty Company		IL		Farmers Property and Casualty Insurance Company		100.00000
Economy Preferred Insurance Company		IL		Economy Fire & Casualty Company		100.00000
Economy Premier Assurance Company		IL		Economy Fire & Casualty Company		100.00000
Exact Property and Casualty Company		CA		Fire Insurance Exchange		80.00000
Exact Property and Casualty Company		CA		Truck Insurance Exchange		20.00000
Farmers Asset Management, LLC		NV		FFS Holding, LLC		100.00000
Farmers Casualty Insurance Company		RI		Farmers Property and Casualty Insurance Company		100.00000
Farmers Direct Property and Casualty Insurance Company		RI		Farmers Property and Casualty Insurance Company		100.00000
Farmers Financial Solutions, LLC		NV		FFS Holding, LLC		100.00000
Farmers Group Property and Casualty Insurance Company		RI		Farmers Property and Casualty Insurance Company		100.00000
Farmers Insurance Company of Arizona		AZ		Farmers Insurance Exchange		70.00000
Farmers Insurance Company of Arizona		AZ		Fire Insurance Exchange		10.00000
Farmers Insurance Company of Arizona		AZ		Truck Insurance Exchange		20.00000
Farmers Insurance Company of Idaho		ID		Farmers Insurance Exchange		80.00000
Farmers Insurance Company of Idaho		ID		Fire Insurance Exchange		6.70000
Farmers Insurance Company of Idaho		ID		Truck Insurance Exchange		13.30000
Farmers Insurance Company of Oregon		OR		Farmers Insurance Exchange		80.00000
Farmers Insurance Company of Oregon		OR		Truck Insurance Exchange		20.00000
Farmers Insurance Company of Washington		WA		Fire Insurance Exchange		80.00000
Farmers Insurance Company of Washington		WA		Truck Insurance Exchange		20.00000
Farmers Insurance Company, Inc.		KS		Farmers Insurance Exchange		90.00000
Farmers Insurance Company, Inc.		KS		Fire Insurance Exchange		10.00000
Farmers Insurance Exchange		CA		See Note 1
Farmers Insurance Hawaii, Inc.		HI		Mid-Century Insurance Company		100.00000
Farmers Insurance of Columbus, Inc.		OH		Farmers Insurance Exchange		100.00000
Farmers Lloyds Insurance Company of Texas		TX		See Note 8
Farmers Lloyds, Inc.		TX		Farmers Property and Casualty Insurance Company		100.00000
Farmers New Century Insurance Company		IL		Illinois Farmers Insurance Company		100.00000
Farmers Property and Casualty Insurance Company		RI		Farmers Insurance Exchange		80.00000
Farmers Property and Casualty Insurance Company		RI		Truck Insurance Exchange		10.00000
Farmers Property and Casualty Insurance Company		RI		Fire Insurance Exchange		10.00000
Farmers Specialty Insurance Company		MI		Foremost Insurance Company Grand Rapids, Michigan		100.00000
Farmers Texas County Mutual Insurance Company		TX		See Note 2
FCOA, LLC		DE		Foremost Insurance Company Grand Rapids, Michigan		100.00000
FFS Holding, LLC		NV		Mid-Century Insurance Company		100.00000
Fire Insurance Exchange		CA		See Note 3
Foremost County Mutual Insurance Company		TX		See Note 4
Foremost Insurance Company Grand Rapids, Michigan		MI		Farmers Insurance Exchange		80.00000
Foremost Insurance Company Grand Rapids, Michigan		MI		Fire Insurance Exchange		10.00000
Foremost Insurance Company Grand Rapids, Michigan		MI		Truck Insurance Exchange		10.00000
Foremost Lloyds of Texas		TX		See Note 5
Foremost Property & Casualty Insurance Company		MI		Foremost Insurance Company Grand Rapids, Michigan		100.00000
Foremost Signature Insurance Company		MI		Foremost Insurance Company Grand Rapids, Michigan		100.00000
Hawaii Insurance Consultants, Ltd.		HI		Mid-Century Insurance Company		100.00000
Illinois Farmers Insurance Company		IL		Farmers Insurance Exchange		100.00000
Insurance Data Systems, G.P.		FL		Bristol West Holdings, Inc.		99.90000
Insurance Data Systems, G.P.		FL		BW GP, LLC		0.10000
MC Maple Tree, LLC		DE		Mid-Century Insurance Company		100.00000
Mid-Century Insurance Company		CA		Farmers Insurance Exchange		80.00000
Mid-Century Insurance Company		CA		Fire Insurance Exchange		10.00000
Mid-Century Insurance Company		CA		Truck Insurance Exchange		10.00000
Mid-Century Insurance Company of Texas		TX		Farmers Insurance Exchange		100.00000
Neighborhood Spirit Property and Casualty Company		CA		Fire Insurance Exchange		80.00000
Neighborhood Spirit Property and Casualty Company		CA		Truck Insurance Exchange		20.00000
Northwest Distribution Center Apopka Road, LLC		DE		Farmers Insurance Exchange		100.00000
Security National Insurance Company		FL		Bristol West Holdings, Inc.		100.00000
Texas Farmers Insurance Company		TX		Farmers Insurance Exchange		86.28000
Texas Farmers Insurance Company		TX		Mid Century Insurance Company		13.72000
Toggle Insurance Company		DE		Mid-Century Insurance Company		100.00000
Toggle Services, LLC		DE		Toggle Insurance Company		100.00000
Truck Insurance Exchange		CA		See Note 6
Zurich South America Invest AB		SWE		Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Specialties London Limited		GBR		Zurich Holdings (UK) Limited		100.00000
Zurich Structured Finance, Inc.		DE		Zurich Finance Company Ltd		100.00000
Zurich Takaful Malaysia Berhad (ZTMB)		MYS		Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Technical and Consulting Services (Beijing) Co. Ltd.		CHN		Zurich Insurance Holdings (Hong Kong) Limited		100.00000
Zurich Technical Development (China) Limited		CHN		Zurich Insurance Holdings (Hong Kong) Limited		100.00000
Zurich Technology Malaysia Sdn Bhd		MYS		Zurich Technology Services Malaysia Sdn Bhd		100.00000
Zurich Technology Services Malaysia Sdn Bhd		MYS		Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Transitional Services Limited		GBR		Zurich Holdings (UK) Limited		100.00000
Zurich Travel Solutions Pty Limited		AUS		Zürich Versicherungs-Gesellschaft AG		100.00000
Zurich Treasury Services Limited		IRL		Zurich Financial Services EUB Holdings Limited		100.00000
Zurich Trustee Services Limited		IRL		Zurich Life Assurance plc		100.00000
Zurich UK General Employee Services Limited		GBR		Zurich UK General Services Limited		100.00000
Zurich UK General Services Limited		GBR		Zurich Holdings (UK) Limited		100.00000
Zurich Versicherungs-Aktiengesellschaft		AUT		Zurich Versicherungs-Gesellschaft AG		99.98125
Zurich Versicherungs-Gesellschaft AG		CHE		Zurich Insurance Group Ltd.		100.00000
Zurich Vida e Previdencia S.A.		BRA		Zurich Minas Brasil Seguros S.A,		100.00000
Zurich Vida, Companía de Seguros y Reaseguros, S.A. - Socied		ESP		Zurich Lebensversicherungs-Gesellschaft AG		100.00000
Zurich Vida, Companía de Seguros, S.A.		MEX		Zurich Versicherungs-Gesellschaft AG		100.00000
Zurich Vorsorge-Beratungs und Vertriebs GmbH (Deutschland)		DEU		Zürich Beteiligungs-Aktiengesellschaft (Deutschland)		100.00000
Zurich Workplace Solutions (Middle East) Limited		ARE		Zurich International Life Limited		100.00000

ANO	Netherlands Antilles	DEU	Germany		PRT	Portugal
ARG	Argentina	ESP	Spain		RUS	Russian Federation
AUT	Austria	FRA	France		SGP	Singapore
AUS	Australia	GBR	United Kingdom		SWE	Sweden
BHR	Bahrain	HKG	Hong Kong		SWZ	Swaziland
BMU	Bermuda	IDN	Indonesia		TCA	Turks & Caicos
BOL	Bolivia	IRL	Ireland		THA	Thailand
BRA	Brazil	IND	India		TUR	Turkey
BHS	Bahamas	ITA	Italy		TWN	Taiwan
CAN	Canada	JPN	Japan		URY	Uruguay
CHE	Switzerland	LBN	Lebanon		VEN	Venezuela
CHL	Chile	LUX	Luxembourg		VGB	Virgin Islands
CHN	China	MLT	Malta		ZAF	South Africa
COL	Colombia	MEX	Mexico
CYM	Cayman Islands	MYS	Malaysia

Name and Principal Address	Positions and Officers with FFS
Janice Scott1	Director
Guy Meade Hanson1	Director
Al Gildemeister1	Director
Zachary Schear1	President
Taretha Ann Robinson1	Chief Compliance Officer
Joshua Alan Borkin1	Treasurer and Chief Financial Officer
Chau Do2	Secretary

1.	The principal business address is 31051 Agoura Road, Westlake Village, CA 91361

2.	The principal business address is 6301 Owensmouth Ave., Woodland Hills, CA 91367.

(1) Name of Principal Underwriter	(2) Net Underwriting   Discounts and Commissions	(3) Compensation   on Redemption	(4) Brokerage   Commissions	(5) Compensation
Farmers Financial Solutions, LLC	N/A	N/A	$4,585,665.54	$0.00

		FARMERS VARIABLE LIFE SEPARATE ACCOUNT A (Registrant)
Attest:	/s/ Ian Macleod	By:	/s/ David Hernandez
	Ian Macleod		David Hernandez
	Attorney-in-Fact		Interim President
	Security Life of Denver Insurance Company		Farmers New World Life Insurance Company
		FARMERS NEW WORLD LIFE INSURANCE COMPANY (Depositor)
Attest:	/s/ Ian Macleod	By:	/s/ David Hernandez
	Ian Macleod		David Hernandez
	Attorney-in-Fact		Interim President
	Security Life of Denver Insurance Company		Farmers New World Life Insurance Company

Signature	Title
/s/ David Hernandez	Director, Chairman of the Board and Interim President
David Hernandez
/s/ Clay Callahan	Chief Financial Officer
Clay Callahan
/s/ Nick Shappie	Controller
Nick Shappie
*/s/ David Travers	Director
David Travers
*/s/ Scott Stoll	Director
Scott Stoll
*/s/ Annette Thompson	Director
Annette Thompson
*/s/ Warren Tucker	Director
Warren Tucker
*/s/ John Griek	Director
John Griek
*/s/ Ian Macleod	*On April 30, 2026 as Attorney-In-Fact pursuant to Powers of Attorney filed herewith or by previous amendment
* by Ian Macleod

Exhibit (g)(11)	Commutation and Release Agreement between Farmers New World Life Insurance Company and Zurich Insurance Company, Ltd. dated as of August 1, 2023.
Exhibit (g)(12)	Coinsurance and Modified Coinsurance Agreement between Farmers New World Life Insurance Company and Security Life of Denver Insurance Company effective August 1, 2023.
Exhibit (j)(1)	Power of Attorney
Exhibit (k)(1)	Opinion of Ian Macleod, Attorney-in-Fact
Exhibit (n)(1)	Consent of Independent Registered Public Accounting Firm