THE SECURITIES ACT OF 1933
	Pre-Effective Amendment No.	☐
	Post-Effective Amendment No. 30	☒

	THE INVESTMENT COMPANY ACT OF 1940
	Amendment No. 58	☒

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immediately upon filing pursuant to paragraph (b) of Rule 485

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on May 1, 2026 pursuant to paragraph (b) of Rule 485

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60 days after filing pursuant to paragraph (a)(1) of Rule 485

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on (date) pursuant to paragraph (a)(1) of Rule 485

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

Not FDIC Insured

May Lose Value

No Bank Guarantee

Glossary	4
Key Information	8
Overview of the Contract	11
Fee Table	13
Principal Policy Risks	20
Risk of Poor Investment Performance	19
Risks of Market Timing and Disruptive Trading	19
Risk of Lapse	19
Tax Risks	19
Limits on Cash Withdrawals	20
Loan Risks	20
Increase in Current Fees and Expenses	20
Effects of Surrender Charges	21
Portfolio Risks	21
Cybersecurity and Business Continuity Risk	21
Farmers New World Life Insurance Company and the Fixed Account	22
Farmers New World Life Insurance Company	22
The Fixed Account	22
The Variable Account and the Portfolios	22
The Variable Account	22
The Portfolios	23
Selection of the Portfolios	23
Availability of the Portfolios	25
Your Right to Vote Portfolio Shares	25
The Policy	25
Purchasing a Policy	25
Tax-Free “Section 1035” Exchanges	26
State Variations	26
Other Policies	26
Ownership Rights	26
Modifying the Policy	27
Policy Termination	27
Premiums	28
Premium Flexibility	28
Minimum Premiums	28
Allocating Premiums	29
Personalized Illustrations	30
Your Contract Values	30
Subaccount Value	30
Subaccount Unit Value	30
Fixed Account Value	31
Loan Account Value	31
Charges and Deductions	31
Premium Deductions	32
Monthly Deduction	32
Mortality and Expense Risk Charge	34
Surrender Charge	34
Transfer Charge	35
Loan Charges	35
Portfolio Management Fees and Expenses	35
Other Charges	36
Death Benefit	36
Death Benefit Proceeds	36
Death Benefit Options	37
Changing Death Benefit Options	38
Effects of Withdrawals on the Death Benefit	38
Changing the Principal Sum	38
Payment Options	39
Surrender and Withdrawals	51
Surrender	51
Partial Withdrawals	52
When We Will Make Payments	52
Transfers	53
Third Party Transfers	53
Telephone Transfers	54
Policy and Procedures Regarding Disruptive Trading and Market Timing	54
Asset Allocation Models	57
Automatic Asset Rebalancing Program	57
Dollar Cost Averaging Program	57
Loans	58
Effects of Policy Loans	58
Policy Lapse and Reinstatement	59
Lapse	59
Reinstatement	59
Federal Tax Considerations	60
Tax Status of the Policy	60
Tax Treatment of Policy Benefits	60
Additional Information	64
Distribution of the Policies	64
Legal Proceedings	65
Financial Statements	65
Appendix A—Portfolios Available Under the Policy	A-1
Appendix B—Guaranteed Maximum Cost of Insurance Rates	B-1
Appendix C—Table of Surrender Charge Factors	C-1

1.

The Benefit Amount before any adjustments and deductions, divided by

2.

The current death benefit provided by the Policy excluding any attached riders.

1.

The Insured;

2.

The Policy Owner;

3.

A Family Member;

4.

A person who practices in the same medical group as the Insured, Policy Owner, or a Family Member;

5.

A business partner of the Insured, Policy Owner, or a Family Member;

6.

A person living at the same address as the Insured, Policy Owner, or a Family Member.

FEES AND EXPENSES
Charges for Early Withdrawal	There are surrender charges assessed if, during the first 14 Policy years, you: 1) fully surrender the Policy, 2) take a partial withdrawal from your Policy, if you have elected a level death benefit (Option B), or 3) you decrease the Principal Sum that was in effect at the time of issue. The amount of the charge depends on the age of the insured person and other factors, but the maximum charge is $75 per $1000 of Premiums paid. For example, if the amount of Premiums paid is $100,000, the highest possible surrender charge would be $7,500.   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%	1.37%
		* 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 Policy 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:

¡

the Principal Sum plus the Contract Value on the date of death; or

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the Contract Value 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 Principal Sum on the date of death; or

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the Contract Value multiplied by the applicable death benefit percentage.

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You may make only 1 withdrawal each calendar quarter.

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You must request at least $500.

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You may not request more than 75% of the Surrender Value.

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For each withdrawal, we deduct a processing fee equal to the lesser of $25 or 2% of the withdrawal.

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In addition, Surrender charges may apply to the withdrawal if you have selected a level death benefit (Option B).

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If you select a level death benefit (Option B), the Principal Sum will be reduced by the amount of the partial withdrawal (but not by any Surrender charges or the processing fee).

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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 Rider

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Additional Insured Term 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	1.25%	1.25%
Premium Taxes	Upon payment of each premium	2.25%	2.25%
Surrender Charge	Upon full Surrender of the Policy during first 14 Policy years
1. Maximum Deferred Sales Charge (Load)1
(Per $1,000 of Premiums Paid)
◆ Minimum Charge in Policy Year 12		$50	$50
◆ Maximum Charge in Policy Year 13		$75	$75
◆ Charge in Policy year 1 for an Insured younger than age 66 on the issue date		$75	$75

1

The Surrender charge is equal to: (a) + (b), where (a) is the deferred sales charge component; and (b) is the administrative component. The deferred sales charge component of the Surrender charge is assessed on the sum of all Premiums paid under the Policy. The administrative component of the Surrender charge is based upon the Issue Age, gender and Premium Class of the Insured and number of full Policy years since the issue date. The Surrender charge for an Insured with an Issue Age 65 or younger is level for 5 Policy years, then declines each year until it reaches zero in Policy year 15. For Insureds with an Issue Age greater than 65, the charge begins to decline in the 4th Policy year. The Surrender charges shown in the table may not be typical of the charges you will pay. You can obtain more detailed information about the Surrender charges that apply to you by contacting your agent and by referring to the Surrender charge tables in this prospectus.

2	The minimum deferred sales charge is based on an Insured who is older than 65 at issue.

3	The maximum deferred sales charge is based on an Insured who is younger than 66 at issue.

Transaction Fees
Charge	When Charge is Deducted	Amount Deducted
		Guaranteed Maximum Charge	Current Charge
2. Administrative Component4:	Upon full Surrender of the Policy, upon a decrease in Principal Sum7, and/or upon certain partial withdrawals8, during first 14 Policy years
(Per $1,000 of Principal Sum Surrendered or decreased)
◆ Minimum Charge in Policy year 15		$5.32	$5.32
◆ Maximum Charge in Policy year 16		$17.70	$17.70
◆ Charge during Policy years 1-5 for a Policy insuring a male, Issue Age 32, who is a preferred or standard non-nicotine Premium Class		$5.98	$5.98
Partial Withdrawal Charge	Upon cash withdrawal	2.0% of the amount withdrawn, not to exceed $25	2.0% of the amount withdrawn, not to exceed $25
Transfer Charge	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
Increase in Principal Sum Charge	Upon increase in Principal Sum	$300	$1.50 per $1000 of Principal Sum increase
Additional Annual Report Fee	Upon request for additional annual report	$5	$5

4	The administrative component of the Surrender charge is calculated by multiplying the appropriate Surrender charge factor from the tables in Appendix C by the number of thousands of Principal Sum being Surrendered or decreased.

5	The minimum charge is based on a female Insured younger than age 11.

6	The maximum charge is based on a male Insured in either the nicotine or non-nicotine standard class who is 66 or older at issue.

7	Only a decrease in the Principal Sum in effect on the issue date incurs a charge. If you decrease the Principal Sum that was in effect on the issue date, we will assess the administrative component of the Surrender charge on the amount of the decrease in the Principal Sum.

8	If the level death benefit (Option B) is in effect and you make a partial withdrawal during the first 14 Policy years, your Policy’s Principal Sum will be reduced by the amount of the withdrawal and we will assess the administrative component of the Surrender charge on this reduction.

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 Insurance9 (No Special Premium Class Charge or Extra Ratings)10	Monthly on the Issue Date and on each Monthly Due date	Per $1,000 of Risk Insurance Amount13	Per $1,000 of Risk Insurance Amount
◆ Minimum Charge11		$0.06	$0.06
◆ Maximum Charge12		$83.07	$41.82
◆ Charge for a Policy insuring a male, Issue Age 32, in the standard non-nicotine Premium Class, in Policy year 4		$0.15	$0.15
Monthly Special Premium Class Charge14	Monthly on the issue date and on each Monthly Due Date	Factor multiplied by Cost of Insurance Charge	Factor multiplied by Cost of Insurance Charge
◆ Minimum Charge		1	1
◆ Maximum Charge		5	5
Mortality and Expense Risk Fees (As an annualized percentage of daily net assets in each Subaccount)	Daily	0.90% (on an annual basis) of daily net assets in each Subaccount in which you are invested	0.90% (on an annual basis) of daily net assets in each Subaccount in which you are invested
Administrative Expenses	Monthly on the Issue Date and on each monthly due date	$8.00	$5.00

9

Cost of insurance charges are based on the Insured’s Issue Age, sex, and Premium Class, the Risk Insurance Amount and the number of months since the issue date. The cost of insurance charge rate you pay increases annually with the age of the Insured. The current cost of insurance rates generally increase significantly on the earlier of the 21st Policy year or the Insured’s age 80. 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.

10	Special Premium Class charges and extra ratings are additional charges assessed on policies insuring individuals considered to have higher mortality risks based on our underwriting standards and guidelines.

11	The minimum guaranteed charge is based on a female Insured, Attained Age 10. The minimum current charge is based on a female Insured, Issue Age 5 in Policy year 6.

12	This maximum charge is based on a male non-smoker Insured, Attained Age 99. This maximum charge will be higher for a Policy if it has a special Premium Class rating and/or a flat extra monthly charge.

13	The Risk Insurance Amount equals the death benefit on a Monthly Due Date, minus the Contract Value at the end of the Business Day preceding the Monthly Due Date, plus all other charges that are due on the Monthly Due Date.

14

If the Insured is in a special Premium Class, the cost of insurance charge will be the base rate times a special premium rating factor shown on the Policy’s specifications page. The monthly special Premium Class charge shown in the table may not be representative of any charge you may pay. If a monthly special Premium Class charge applies to your Policy, the charge will be shown on the Policy’s specifications page. You can obtain more information about the charge by contacting your agent.

Periodic Charges Other Than Annual Portfolio Company Expenses
Charge	When Charge is Deducted	Amount Deducted
		Guaranteed Maximum Charge	Current Charge
Flat Extra Monthly Charge15	Monthly on the issue date and on each monthly due date
(Per $1,000 of Risk Insurance Amount each month)
◆ Minimum Charge		$0	$0
◆ Maximum Charge		$1,000	$25.00
◆ Charge for an Insured in a standard Premium Class		$0	$0
Loan Interest Spread16	At the end of each Policy year	5.0% annually of amount in the loan account during the first 14 Policy years	1.5% annually of amount in loan account during the first 14 Policy years
Optional Benefit Charges17:
Accelerated Death Benefit Rider18,19	When a benefit is paid under this rider	Charge per $1,000 of the amount of death benefit accelerated plus the actuarial discount	Charge per $1,000 of the amount of death benefit accelerated plus the actuarial discount
Accelerated Death Benefit Rider for Terminal Illness20	When a benefit is paid under this rider	$250 plus the actuarial discount	$150 plus the actuarial discount
Accidental Death Benefit Rider	Monthly on the Issue Date and on each Monthly Due Date
(Per $1,000 of rider Principal Sum)
◆ Minimum Charge21		$0.09	$0.04
◆ Maximum Charge22		$0.38	$0.34
◆ Charge for an Insured at Attained Age 36		$0.09	$0.06

15

A flat extra monthly charge is assessed on policies insuring individuals considered to have higher mortality risks according to our underwriting standards and guidelines. Flat extra charges usually apply to Insureds in hazardous occupations, to Insureds who participate in hazardous avocations, such as aviation, and to Insureds with certain physical impairments. Any flat extra charge will be shown on the Policy’s specifications page. The flat extra monthly charge shown in the table may not be representative of any charge you may pay. You can obtain more information about the charge by contacting your agent

16

During the first 14 Policy years, the loan interest spread is the difference between the amount of interest we charge you for a loan (currently 4.5%, guaranteed not to exceed 8.00%, compounded annually) and the amount of interest we credit to the amount in your loan account (currently 3%, guaranteed to be no lower than 3%, annually). After the 14th Policy year, the maximum loan interest rate we charge and the minimum loan interest we credit is 3%, compounded annually, so that the loan interest spread is 0%.

17

Charges for the Accidental Death Benefit rider, the Monthly Disability Benefit rider (when available), and Disability Waiver rider vary with the age of the Insured. Charges for the Additional Insured Term rider are based on the Additional Insured’s age, sex and Premium Class and generally increase annually with the age of the Additional Insured. The rider charges shown in the table may not be representative of the charges you will pay. The rider will indicate the maximum guaranteed rider charges applicable to your Policy. You can obtain more information about these rider charges by contacting your agent.

18	Charges for the accelerated death benefit rider vary by the amount of death benefit that is accelerated. The charges shown may not be representative of the charges you will pay. You can obtain more information about these rider charges by contacting your agent.

19	We are phasing out the availability of the Accelerated Death Benefit Rider, and replacing it with the Accelerated Benefit Rider for Terminal Illness (“ABR-TI”) as soon as the ABR-TI is approved for sale in a state.

20

The administrative charge for this rider varies by state. It is guaranteed not to exceed $250 or the maximum allowed by state regulation. In addition to the administrative charge, we reduce the single sum benefit at the time of payment by an actuarial discount to compensate us for lost income due to the early payment of the death benefit.

21	The minimum charge is based on any Insured at Attained Age 13.

22	The maximum charge is based on an Insured at Attained Age 69 whose occupation and/or avocations at issue lead the Company to believe the Insured’s risk of accidental death is roughly double that of a typical Insured.

Periodic Charges Other Than Annual Portfolio Company Expenses
Charge	When Charge is Deducted	Amount Deducted
		Guaranteed Maximum Charge	Current Charge
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 Rider23 (Per $100 of monthly benefit)	Monthly on Issue Date and on each Monthly Due Date
◆ Minimum Charge24		$6	$4
◆ Maximum Charge25		$40	$30
◆ Charge at the Insured’s Attained Age 35		$7	$4.50
Disability Waiver Rider
(Charge assessed as a percentage of all other monthly charges)
◆ Minimum Charge21		6%	4%
◆ Maximum Charge22		40%	30%
◆ Charge at the Insured’s Attained Age 34		7%	4.5%
Additional Insured Term Rider	Monthly on issue date and on each Monthly Due Date
(Per $1,000 of Additional Insured Term Rider amount)
◆ Minimum Charge26		$0.09	$0.09
◆ Maximum Charge27		$4.35	$4.10
◆ Charge for a rider where the Additional Insured is a female, Issue Age 31, in the preferred non-nicotine Premium Class, in Policy year 8		$0.16	$0.11

23

The Monthly Disability Benefit rider charge and the disability waiver rider charge depend on the Insured’s Attained Age and generally increase as the Insured ages. The rider charges shown in the table may not be representative of the charges you will pay. The rider will indicate the maximum guaranteed rider charges applicable to your Policy. 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. You can obtain more information about these rider charges by contacting your agent.

24	The minimum charge is for an Insured at Attained Age 21.

25	The maximum charge is for an Insured at Attained Age 56 or older whose medical condition, occupation or avocations at issue lead the Company to believe the Insured’s risk of disability is roughly double that of a typical Insured.

26	The minimum charge is for an additional Insured in the female preferred non-nicotine class, Issue Age 21, in the first Policy year.

27	The maximum charge is at Attained Age 69 for a male smoker additional Insured whose rider was issued at his age 45 or younger. This maximum charge will be higher for a Policy with special Premium Class ratings and/or flat extra monthly charges.

Annual Portfolio Company Expenses28	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%	1.37%

28

Before expense reimbursements or fee waiver arrangements. The Portfolio expenses used to prepare this table were provided to Farmers by the Portfolio(s). Farmers has not independently verified such information. The expenses shown are those incurred for the year ended December 31, 2025. Current or future expenses may be greater or less than those shown.

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total Premiums paid (minus withdrawals, but not including Surrender charges or the processing fee) are less than the Cumulative Minimum Premiums, and the Surrender Value is not large enough to cover the Monthly Deduction when due; or

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total Premiums paid (minus withdrawals, but not including Surrender charges or the processing fee) are greater than the Cumulative Minimum Premiums, but the Contract Value, minus any outstanding Loan Amount and any interest you would owe if you Surrender the Policy, is too low to pay the entire Monthly Deduction when due.

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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, if available, of 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*
DWS	0.25%	Goldman Sachs	0.00%
BNY Mellon	0.25%	Janus	0.25%
Fidelity®	0.25%	PIMCO	0.15%
Franklin Templeton	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 advisers 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 adviser (or other affiliates) with increased access to us and FFS.

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You may change the Owner by providing a written request to us at any time while the Insured is alive.

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The change takes effect on the date that the written request is signed.

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We are not liable for any actions we may have taken before we received the written request.

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Changing the Owner does not automatically change the Beneficiary.

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If you designate more than one beneficiary, then each beneficiary shares equally in any Death Benefit Proceeds unless the Beneficiary designation states otherwise.

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If the Beneficiary dies before the Insured, then any contingent beneficiary becomes the Beneficiary.

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If both the Beneficiary and contingent Beneficiary die before the Insured, then we will pay the death benefit to the Owner or the Owner’s estate once the Insured dies.

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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 Proceeds will be paid as if the Beneficiary had died first.

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You can change the Beneficiary by providing us with a written request while the Insured is living.

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The change in Beneficiary is effective as of the date you sign the written request.

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We are not liable for any actions we may have taken before we received the written request.

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You may assign Policy rights while the Insured is alive.

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The Owner retains any ownership rights that are not assigned.

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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.

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Claims under any assignment are subject to proof of interest and the extent of the assignment.

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We are not:

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bound by any assignment unless we receive a Written Notice of the assignment.

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responsible for the validity of any assignment.

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liable for any payment we made before we received Written Notice of the assignment.

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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 110);

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the date the Insured dies;

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the end of the grace period without a sufficient payment; or

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the date you Surrender the Policy.

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 Principal Sum;

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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 withdrawal 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 standard to substandard).

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

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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, withdrawals 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 and the Fixed Account;
	• is determined on the issue date and on each Business Day;
	• on the issue date, equals the Initial Premium times the Percent of Premium Factor, less the Monthly Deduction; 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 initial units purchased at the unit value on the issue date; plus
	• units purchased with additional Premiums net of the Percent of Premium Factor; plus
	• units purchased via transfers from another Subaccount or the Fixed Account; minus
	• units redeemed to pay a pro-rata share of the Monthly Deductions; minus
	• units redeemed to pay for partial withdrawals and any applicable Surrender charges; minus
	• units redeemed as part of a transfer to another Subaccount, the loan account or the Fixed Account.

The Fixed Account Value at the end of any Valuation Period equals:	• the Fixed Account Value on the preceding Business Day plus interest from the preceding Business Day to the date of calculation; plus
	• the portion of the premium(s), multiplied by the Percent of Premium Factor, allocated to the Fixed Account since the preceding Business Day, plus interest from the date such Premiums were received to the date of calculation; plus
	• any amounts transferred to the Fixed 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 Fixed Account to the Subaccounts and the loan account since the preceding Business Day, plus interest from the effective date of such transfers to the date of calculation and any processing fee; minus
	• the amount of any partial withdrawals and any applicable Surrender charges deducted from the Fixed Account since the preceding Business Day, plus interest on those Surrendered amounts from the effective date of each withdrawal to the date of calculation; minus
	• a pro-rata share of the Monthly Deduction, on each Business Day when a Monthly Deduction is due.

The loan account value at the end of any Valuation Period 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 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, effecting 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.

•

The monthly administration charge; plus

•

The cost of insurance charge for the Policy; plus

•

The special premium factor applied to the cost of insurance for a special Premium Class, if any; plus

•

Extra charges for a special Premium Class, if any; plus

•

The charges for any riders.

1.

The current death benefit; minus

2.

The Contract Value at the end of the Business Day preceding the Monthly Due Date; plus

3.

The monthly administrative charge for the month that begins on the Monthly Due Date; plus

4.

Any charges for riders for the month that begins on the Monthly Due Date.

•

your Contract Value in each Subaccount; multiplied by

•

the daily portion of the annual mortality and expense risk charge rate of 0.90%.

•

fully Surrender the Policy,

•

take a partial withdrawal from your Policy, if you have elected a level death benefit (Option B), or

•

you decrease the Principal Sum that was in effect at the time of issue.

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.

find the sum of all Premiums that have been paid to the Policy (do not deduct amounts withdrawn or the Percent of Premium Factor);

2.

multiply this sum by 0.075 if the Insured’s Issue Age was 65 or younger, or by 0.050 if the Insured’s Issue Age was 66 or older;

3.

multiply the result by the appropriate number on this table:

Policy Year:	1-3	4	5	6	7	8	9	10	11	12	13	14	15 or more
Issue ages 0-65	1.00	1.00	1.00	0.90	0.80	0.70	0.60	0.50	0.40	0.30	0.20	0.10	0.00
Issue ages 66 and older	1.00	0.90	0.80	0.70	0.60	0.50	0.40	0.30	0.20	0.15	0.10	0.05	0.00

1.

the appropriate Surrender charge factor from the tables in Appendix C for the Insured’s age on the issue date and the number of full Policy years since the issue date (regardless of whether the Policy has Lapsed and been reinstated) (the tables vary by sex and Premium Class); multiplied by

2.

the number of thousands of Principal Sum on the issue date; minus

3.

any reductions in Principal Sum for which a Surrender charge has already been imposed.

•

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.

•

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

•

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.

•

We deduct the transfer charge from the amount being transferred, or from the remaining Contract Value, according to your instructions.

•

Transfers we affect on the Reallocation Date, and transfers due to loans, automatic asset rebalancing, and dollar cost averaging, do not count as transfers for the purpose of assessing this charge.

•

During the first fourteen Policy years, we currently charge you interest at 4.5% annually, with a maximum loan interest rate of 8% per year on your loan. After the fourteenth Policy year, the maximum loan interest rate is 3%, compounded annually. Interest is charged daily, and is due and payable at the end of each Policy year, or date of any Policy loan increases or repayment, if earlier. Unpaid interest becomes part of the outstanding loan and accrues interest daily.

•

Amounts in the loan account earn interest at the guaranteed minimum rate of 3% per year.

•

We charge $5 for each additional annual report you request.

•

We charge $1.50 per $1,000 for each increase in Principal Sum (this charge cannot exceed $300 per increase).

•

Certain riders attached to the Policy will have their own charges.

Death benefit proceeds equal:	• the death benefit (described below); minus
	• any past due Monthly Deductions; minus
	• any outstanding Policy loan on the date of death; minus
	• any interest you owe on the Policy loan(s); plus
	• any additional benefits payable under the terms of any riders attached to the Policy.

The variable death benefit under Option A is the greater of:	• the Principal Sum plus the Contract Value (determined as of the end of the Valuation Period during which the Insured dies); or
	• the death benefit required by the Tax Code (Contract Value on the date of death multiplied by the applicable death benefit percentage).

The level death benefit under Option B is the greater of:	• the Principal Sum on the date of death; or
	• the death benefit required by the Tax Code (Contract Value on the date of 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 Principal Sum by submitting a 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 Principal Sum at any time after the first Policy year and before the Insured’s Attained Age 80.

•

The minimum increase is $10,000.

•

We deduct a processing fee from the Contract Value equal to $1.50 per $1,000 of increase. The fee cannot exceed $300 per increase. The processing fee will be deducted from the Subaccounts and the Fixed Account on a pro-rata basis, unless you give us different instructions.

•

If the amount of the Contract Value is insufficient to cover the processing fee, you must add sufficient additional Premiums before the increase in Principal Sum will become effective.

•

Increasing the Principal Sum will increase your Policy’s minimum premium.

•

You may decrease the Principal Sum, but not below the minimum Principal Sum amount shown on your Policy’s specifications page.

•

You must submit a written request to decrease the Principal Sum. 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:

1.

reduce the most recent increase; then

2.

the next most recent increases in succession; and then

3.

the Principal Sum on the issue date (subject to a Surrender charge).

•

If you decrease the Principal Sum that was in effect on the issue date, we will assess the Administrative Component of the Surrender charge. To determine the Surrender charge for a decrease in Principal Sum, multiply the appropriate Surrender charge factor from the tables in Appendix C by the number of thousands of Principal Sum (as of the issue date) that are now being decreased. Only a reduction in the original Principal Sum amount (as of the issue date) incurs a Surrender charge. Surrender charges will be deducted from the Subaccounts and the Fixed Account on a pro-rata basis, unless you give us different instructions.

•

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

•

Decreasing the Principal Sum will reduce your Policy’s minimum premium.

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 principal sum of this policy		• Increases apply on each Policy Anniversary prior to the Insured’s Attained Age 55 unless benefits are paid under the terms of the Waiver of Deduction or Monthly Disability Benefit riders. • The rider ends when the Insured attains age 55.
Optional Benefits With Additional Charge
Name of Benefit		Purpose		Brief Description of Restrictions/Limitation
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.
	Optional Benefits With No Additional Charge
	Name of Benefit		Purpose		Brief Description of Restrictions/Limitation
	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.		• 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
	Additional Insured Term Insurance Rider		Provides level term insurance to the additional insured’s attained age 70		• While this policy and rider are in force, the insurance on the additional insured may be converted to a permanent plan of life insurance available at the time of conversion. This rider may be converted: ¡ prior to the additional insured’s attained age 59; or ¡ within 60 days of the insured’s death prior to the additional insured’s attained age 70.
	Monthly Disability Benefit Rider		Payment of a Monthly Disability Benefit if the insured is totally Disabled.		• Not available under Policies issued after August 7, 2015 • 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.

1.

We will pay the present value of the amount available for acceleration under the Benefit Amount. This calculation will be based on the applicable actuarial discount appropriate to the Policy. The maximum interest rate used for the discount is the greater of:

a.

the current yield on 90 day US Treasury Bills; or

b.

the current maximum statutory adjustable policy loan interest rate.

2.

If, on the date we approve the request, there is an outstanding policy loan, the Benefit Amount will be reduced by the Benefit Percentage multiplied by the outstanding loan balance. This reduction repays a portion of the policy loan.

3.

If this rider is attached to a Universal Life Policy, we will reduce the Benefit Amount by any monthly deductions that are due and unpaid at the time we approved the request for payment of the Benefit Amount. Otherwise, we will reduce the Benefit Amount by any premiums which are due and unpaid at the time we approve the request.

4.

We may reduce the Benefit Amount by an administrative charge not to exceed $250.

1.

The expiration or maturity date of the Policy must be more than 2 years from the date the Benefit Amount is requested. The Policy must not be in force as extended term or reduced paid-up insurance.

2.

The sum of Benefit Amounts on this and any other policies issued by us on the life of the Insured may not exceed $150,000. Only one Benefit Amount is allowed per Policy. These limitations will not apply to this Policy if the benefit is requested at a time when the death benefit proceeds that would be payable under the Policy in the event of the Insured’s death are the same as the proceeds that would be payable if the Policy was surrendered.

3.

We must receive proof of eligibility that is acceptable to us and will only pay the Benefit Amount during the Insured’s Lifetime.

4.

We must receive a consent form from all irrevocable beneficiaries and permitted assignees, if any. We also reserve the right to require a consent form from the Insured and the Policy Owner of this policy, their spouses, other beneficiaries, and any other person if, in our sole discretion, such person’s consent is necessary to protect our interests.

5.

This benefit is not meant to cause involuntary access to proceeds. Therefore, this benefit is not available 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.

6.

Limitations—In addition to any other conditions, exclusions or limitations set forth in this rider, no benefit will be provided by this rider if the Terminal Illness results from actions of the Insured that are intended or would be expected to result in injury

1.

This rider will terminate.

2.

The death benefit or principal sum, contract value or cash value, accumulation account, excluding any riders other than the Critical Illness Accelerated Benefit Rider, if any, and any outstanding loans, as applicable, will be reduced by the Benefit Percentage. For Variable Policies, amounts in any subaccounts and the fixed account will be reduced by the same percentage.

3.

Cost of insurance charges and other monthly charges, if any, and any required premiums will be adjusted appropriately to reflect the current coverage.

4.

Any outstanding loan will be reduced by the amount of loan repayment as described in item 2 of the Adjustments and Deductions section of this rider.

5.

The benefits for any Accidental Death Benefit Rider and/or Children’s Term Insurance Rider will not be affected, provided these riders remain in effect according to the terms and conditions of any such riders.

6.

We will send the Policy Owner, any irrevocable beneficiary and any permitted assignee, a statement showing the effect of the payment of the Benefit Amount on the Policy.

1.

When we receive the Policy Owner’s written request to cancel this rider;

2.

When the policy to which this rider is attached ends for any reason;

3.

When the policy is in force as reduced paid-up or extended term insurance;

4.

When we pay the Benefit Amount provided by this rider; or

5.

When the Insured dies.

= 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

1.

the insured attains age 55;

2.

an increase is refused by the owner of this policy (we must receive the owner’s signed notice of refusal within 30 days of the policy anniversary);

3.

the total of all increases equals the original principal sum of this policy;

4.

the policy ends for any reason;

5.

the owner requests a decrease in

6.

the owner’s signed request for termination is received.

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

1.

as a direct result of accidental bodily injury and independently of all other causes; and

2.

within 90 days of such injury; and

3.

before the insured reaches attained age 70; and

4.

while this policy and rider are in force.

1.

suicide whether sane or insane;

2.

war or any act attributable to war, declared or undeclared, whether the insured is in the military service or not;

3.

bodily or mental infirmity, illness or disease of any kind;

4.

bacterial infection other than infection occurring as a result of accidental or external bodily injuries;

5.

committing or attempting to commit an assault or felony;

6.

the voluntary taking of any poison, drug or sedative, asphyxiation from voluntary inhalation of gas;

7.

participation in aviation, except as a passenger.

1.

the risk rate at the insured’s attained age times the number of thousands of Accidental Death Benefit amount shown on the policy specifications page; plus

2.

the extra monthly charge for a special premium class for this rider, if any.

GUARANTEED MAXIMUM RISK RATES PER $1,000 BY ATTAINED AGE
AGE	RISK RATE	AGE	RISK RATE	AGE	RISK RATE	AGE	RISK RATE	AGE	RISK RATE
<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
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

1.

A child of the Insured who is listed in the application and is not yet 20 years of age on the effective date of this rider.

2.

A future child born to the Insured.

3.

A child legally adopted by the Insured before the child is age 20 and before the Insured Attains Age 63.

1.

The new policy will be based on the child’s attained age on the date it takes effect. The new policy will contain the provisions then being included in new policies. It will be based on the policy minimums and rates in effect at that time.

2.

The amount of the policy may not exceed $1,000 for each $1,000 of insurance provided by this rider. If the conversion is made within 31 days following the earliest of either the child’s 22nd birthday or the insured’s attained age 65, the amount of the new policy may not exceed $5,000 for each $1,000 of insurance provided by this rider.

3.

If the charge for this rider is being waived at the date of conversion, the charge or premium for the new policy will not continue to be waived.

4.

Evidence of insurability will not be required for the new policy. It will be required for:

a.

accidental death benefits, or

b.

disability benefits, or

c.

any other benefits which increase the insurance risk.

5.

The suicide and incontestability will be measured from the effective date of this rider.

6.

We must receive the owner’s signed request for conversion while this policy and rider are in force or within 31 days of the end of this rider.

7.

The required premium and this policy must accompany the request for conversion. We will endorse this rider to exclude the child with the new policy and return the policy to the owner.

1.

the Insured dies or Attains Age 65;

2.

the youngest Insured Child covered by this rider reaches age 22;

3.

all Insured Children have exercised their conversion privilege;

4.

the policy ends; or

5.

we receive your signed request for termination of this rider.

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		$—

1.

Intentional self-inflicted injury.

2.

War or any act attributable to war, declared or undeclared, while the insured is in the military, naval or air service of any country.

3.

Participation in aviation, except as a passenger.

1.

the cost of insurance charge for the policy; and

2.

the monthly charges for any other riders attached to this policy; and

3.

the monthly administration charge; and

4.

the flat extra monthly charge for a special premium class, if any.

GUARANTEED MAXIMUM PERCENTAGES
Attained Age	Percentage %	Attained Age	Percentage %
<5>	<C>	<C>	<C>
16-30	6.0	51-55	15.0
31-40	7.0	56-59	20.0
41-45	8.0	60 and above	0.0
46-50	10.0

1.

the insured attains age 60 before the start of any disability; or

2.

the policy ends; or

3.

the owner’s signed request for termination is received.

1.

The new policy will be based on the additional insured’s attained age on the date it takes effect. The new policy will contain the provisions then being included in new policies. It will be based on the policy minimums and rates in effect at that time. The additional insured will retain the same rating classification as on this rider.

2.

Evidence of insurability will not be required for the new policy. It will be required for:

a.

accidental death benefits, or

b.

disability benefits, or

c.

any other benefits which increase the insurance risk.

3.

The suicide and incontestable periods for the new policy will be measured from the date of issue of this rider.

4.

The principal sum of the new policy may not exceed the death benefit amount of this rider.

5.

If the charge for this rider is being waived under the Waiver of Deduction rider at the date of conversion, the charge or premium for the new policy will not continue to be waived.

6.

The required premium and this policy must accompany the owner’s signed request for conversion.

GUARANTEED MAXIMUM MONTHLY RISK RATES PER $1,000 OF ADDITIONAL INSURED RIDER AMOUNT AT ADDITIONAL INSURED’S ATTAINED AGE
	RISK RATE		RISK RATE		RISK RATE		RISK RATE
<S>	<C>	<C>	<C>	<C>	<C>	<C>	<C>
21	0.13788	34	0.13705	46	0.30982	58	0.90869
22	0.13539	35	0.14370	47	0.33474	59	1.00089
23	0.13207	36	0.15117	48	0.36215	60	1.10389
24	0.12875	37	0.16114	49	0.39205	61	1.21851
25	0.12459	38	0.17194	50	0.42611	62	1.35058
26	0.12210	39	0.18357	51	0.46514	63	1.50009
27	0.12044	40	0.19769	52	0.51000	64	1.66621
28	0.11961	41	0.21264	53	0.56150	65	1.84812
29	0.11961	42	0.22842	54	0.61881	66	2.04497
30	0.12044	43	0.24586	55	0.68276	67	2.25096
31	0.12293	44	0.26497	56	0.75254	68	2.48520
32	0.12625	45	0.28656	57	0.82646	69	2.73937
33	0.13124

GUARANTEED MAXIMUM PERCENTAGES
Attained Age	Percentage %	Attained Age	Percentage %
<S>	<C>	<C>	<C>
21-30	6.0	51-55	15.0
31-40	7.0	56-59	20.0
41-45	8.0	60 and	20.0
46-50	10.0	above

•

the Contract Value as of such date; minus

•

any Surrender charge as of such date; minus

•

any outstanding Policy loans; minus

•

any interest you owe on the Policy loans.

Surrender conditions:	• You must make your Surrender request in writing.
	• Your written Surrender request must contain your signature.
	• You should 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 date when we receive your written request.
	• You will incur a Surrender charge if you Surrender the Policy during the first 14 Policy years. See “Charges and Deductions.”
	• Once you Surrender your Policy, all coverage and other benefits under it cease and cannot be reinstated.
	• We will pay you the Surrender Value in a lump sum within seven calendar days unless you request other arrangements.

Withdrawal conditions:	• You must make your partial withdrawal request in writing.
	• Your written partial withdrawal request must contain your signature.
	• You should send your written request to the Service Center.
	• You may make only one partial withdrawal each calendar quarter.
	• You must request at least $500.
	• You cannot withdraw more than 75% of the Surrender Value without Surrendering the Policy.
	• You can specify the Subaccount(s) and Fixed Account from which to make the withdrawal, 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 withdrawal 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 withdrawal request after the close of regular trading on the NYSE, we will price your partial withdrawal 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 withdrawal you requested plus any processing fee and Surrender charge.
	• We generally will pay a withdrawal request within seven calendar days after the Business Day when we receive the request.

•

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

•

the SEC permits, by an order, the postponement for the protection of 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 the Subaccounts (subject to the “Policies 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 unloaned 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 deduct a $25 charge from the amount transferred or from the remaining Contract Value (your choice) for the 13th and each additional transfer in a Policy year. Any unused free transfers do not carry over to the next Policy year. Transfers we effect on the Reallocation Date and transfers resulting from loans are not treated as transfers for the purpose of the transfer charge.

•

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 withdrawals 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 Surrender Value, as calculated at the end of the Business Day on which we receive your signed request at the Service Center, minus loan interest you would have to pay by the next Policy anniversary date.
	• To secure the loan, we transfer an amount equal to the loan from the Variable Account and Fixed Account to the loan account, which is a part of our General Account. If your loan application 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 3% 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 “Surrenders and Withdrawals – When We Will Make Payments.”
	• We charge you interest on your loan. During the first fourteen Policy years, the current loan interest rate is 4.5%, with a maximum loan interest rate of 8% per year, compounded annually, on your loan. After the fourteenth Policy year, the maximum loan interest rate is 3%, compounded annually. We may change the interest rate, but we will notify you of any increase in loan interest at least 30 days before the new rate becomes effective. Interest is due and payable at the end of each Policy year, or, if earlier, on the date of any loan increase or repayment. Unpaid interest becomes part of the outstanding loan and accrues interest accordingly.
	• You may repay all or part of your outstanding loans 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 repayments” 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 Variable Account according to your current premium allocation instructions.
	• We deduct any unpaid Loan Amount and any interest you owe, from the Surrender Value and from the Death Benefit Proceeds payable on the Insured’s death.
	• If any unpaid Loan Amount plus any interest you owe equals or exceeds the Contract Value, causing the Surrender Value to become zero, then your Policy will enter a 61-day grace period. See “Policy Lapse.”

•

Your Policy’s Surrender Value becomes zero, and total Premiums you have paid, minus withdrawals (not including Surrender charges and processing fees), are less than the Cumulative Minimum Premiums required under the Policy; or

•

The total Premiums you have paid, minus withdrawals (not including Surrender charges and processing fees), are greater than the Cumulative Minimum Premiums, but the Contract Value, minus outstanding Loan Amount and any interest you would owe if you Surrendered the Policy, is too low to pay the entire Monthly Deduction when due.

1.

the Surrender Value must exceed zero, after deducting all due and unpaid Monthly Deductions; or

2.

total Premiums paid minus withdrawals (not including Surrender charges and processing fees) must exceed Cumulative Minimum Premiums, and the Contract Value, minus any outstanding Loan Amount and any interest you would owe if you Surrendered the Policy, must exceed zero, after deducting all due and unpaid Monthly Deductions.

•

complete a reinstatement application;

•

pay the unpaid Monthly Deductions due during the last expired grace period;

•

pay premium sufficient to keep the Policy in force for three months after the date of reinstatement; and

•

repay the entire Policy Loan Amount (including any interest you owed) that existed at the date of termination of coverage.

•

your Policy Lapsed more than a year ago;

•

your Policy is rated;

•

your Policy’s face amount is over $500,000;

•

the Insured has gained or lost a significant amount of weight since your initial application;

•

there has been a significant change in the Insured’s medical condition since your initial application;

•

the Insured is employed in an occupation we consider hazardous; or

•

the Insured participates in activities we consider hazardous.

•

All distributions other than death benefits from a MEC, including distributions upon Surrender and withdrawals, 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 capital growth.	BNY Mellon Small Cap Portfolio (Service Shares)3   Investment Adviser: BNY Mellon Investment Adviser, 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 Adviser, Inc.   Subadviser: Newton Investment Management Limited	0.91%	15.67%	11.65%	13.27%
Seeks to provide long-term capital appreciation by investing primarily in a portfolio of the equity securities of mid-sized companies that are undervalued but demonstrate a potential for growth.	Calvert VP SRI Mid Cap Portfolio1, 2, 4   Investment Adviser: Calvert Research and Management	0.99%	1.46%	2.95%	6.91%
Seeks long-term growth of capital, current income and growth of income.	DWS Core Equity VIP (Series I) (Class A Shares)   Investment Adviser: DWS Investment Management Americas, Inc.	0.59%	16.83%	13.27%	13.53%
Seeks long-term growth of capital.	DWS CROCI® International VIP (Series I) (Class A Shares)2   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)2   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)2   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)2   Investment Adviser: DWS Investment Management Americas, Inc.	0.90%	8.94%	4.25%	6.00%
Seeks long-term capital appreciation.	DWS Small Mid Cap Growth VIP (Series II) (Class A Shares) 2   Investment Adviser: DWS Investment Management Americas, Inc.	0.85%	8.11%	2.05%	7.34%
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)1   Investment Adviser: Franklin Mutual Advisers, 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)2   Investment Adviser: Franklin Advisers, Inc.	1.09%	2.52%	1.03%	9.89%
Seeks long-term capital appreciation.	Goldman Sachs Mid Cap Value Fund (Institutional Class Shares)1, 2   Investment Adviser: Goldman Sachs Asset Management, L.P.	0.84%	9.39%	10.05%	10.02%
Seeks long-term growth of capital.	Goldman Sachs Small Cap Equity Insights Fund (Institutional Class Shares)2   Investment Adviser: Goldman Sachs Asset Management, L.P.	0.88%	16.14%	10.47%	10.84%
Seeks long-term growth of capital .	Goldman Sachs Strategic Growth Fund (Institutional Class Shares)1, 2   Investment Adviser: Goldman Sachs Asset Management, L.P.	0.79%	17.92%	12.75%	16.41%
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 Enterprise Portfolio (Service Class Shares)   Investment Adviser: Janus Henderson Investors US LLC	0.97%	7.41%	7.35%	12.51%
Seeks long-term growth of capital.	Janus Henderson Forty Portfolio (Institutional Class 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	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	0.66%	5.52%	1.57%	1.79%
Seeks to provide current income and long-term growth of income and capital.	Principal PVC Equity Income Account (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.73%	15.25%	9.94%	11.24%
Seeks to long-term growth of capital.	Principal PVC MidCap Account (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.78%	1.52%	8.06%	12.30%
Seeks to provide long-term growth of capital.	Principal PVC Principal Capital Appreciation Account (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	0.88%	13.22%	13.53%	14.07%
Seeks long-term growth of capital.	Principal PVC SmallCap Account (Class 2 Shares)   Investment Adviser: Principal Global Investors, LLC	1.10%	14.78%	6.02%	9.29%
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%
Seeks long-term capital appreciation. Under normal market conditions, the fund invests at least 80% of its net assets in emerging markets investments.	Templeton Emerging Markets VIP Fund (Class 2 Shares)5   Investment Adviser: Templeton Asset Management Ltd.   Subadviser: Franklin Templeton Investment Management Limited	1.37%	46.27%	5.46%	10.40%

1

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

2

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.

3

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

4

Effective April 27, 2026, the Calvert VP SRI Mid Cap Portfolio is liquidated. All funds from the Calvert VP SRI Mid Cap Portfolio have been placed in the DWS Government Money Market VIP fund.

GUARANTEED MAXIMUM MONTHLY COST OF INSURANCE RATES
Male Non-Nicotine (Issue Ages 21-80)*
Per $1000 of Risk Insurance Amount
Attained Age	Cost of Insurance Rate	Attained Age	Cost of Insurance Rate	Attained Age	Cost of Insurance Rate	Attained Age	Cost of Insurance Rate	Attained Age	Cost of Insurance Rate	Attained Age	Cost of Insurance Rate
21	0.13788	35	0.14370	49	0.39205	62	1.35058	75	5.13652	88	16.39051
22	0.13539	36	0.15117	50	0.42611	63	1.50009	76	5.66811	89	17.59988
23	0.13207	37	0.16114	51	0.46514	64	1.66621	77	6.22379	90	18.85909
24	0.12875	38	0.17194	52	0.51000	65	1.84812	78	6.80688	91	20.19721
25	0.12459	39	0.18357	53	0.56150	66	2.04497	79	7.43566	92	21.66408
26	0.12210	40	0.19769	54	0.61881	67	2.25096	80	8.13005	93	23.40255
27	0.12044	41	0.21264	55	0.68276	68	2.48520	81	8.90834	94	25.73492
28	0.11961	42	0.22842	56	0.75254	69	2.73937	82	9.78630	95	29.22599
29	0.11961	43	0.24586	57	0.82646	70	3.02676	83	10.75978	96	34.96802
30	0.12044	44	0.26497	58	0.90869	71	3.35485	84	11.80967	97	44.93622
31	0.12293	45	0.28656	59	1.00089	72	3.73361	85	12.91190	98	61.89321
32	0.12625	46	0.30982	60	1.10389	73	4.16221	86	14.05233	99	83.06141
33	0.13124	47	0.33474	61	1.21851	74	4.63317	87	15.21353	100-109	0.00000
34	0.13705	48	0.36215

TABLE OF SURRENDER CHARGE FACTORS
Male Non-Nicotine (Preferred & Standard)
Number of Full Policy Years Completed Since the Issue Date
Issue Age	0	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15 or more
21	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
22	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
23	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
24	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
25	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
26	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
27	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
28	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
29	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
30	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
31	5.91	5.91	5.91	5.91	5.91	5.32	4.73	4.14	3.55	2.96	2.36	1.77	1.18	0.59	0.00	0.00
32	5.98	5.98	5.98	5.98	5.98	5.38	4.78	4.19	3.59	2.99	2.39	1.79	1.20	0.60	0.00	0.00
33	6.01	6.01	6.01	6.01	6.01	5.41	4.81	4.21	3.61	3.01	2.41	1.80	1.20	0.60	0.00	0.00
34	6.11	6.11	6.11	6.11	6.11	5.50	4.89	4.28	3.67	3.06	2.45	1.83	1.22	0.61	0.00	0.00
35	6.18	6.18	6.18	6.18	6.18	5.56	4.94	4.33	3.71	3.09	2.47	1.85	1.24	0.62	0.00	0.00
36	6.28	6.28	6.28	6.28	6.28	5.66	5.03	4.40	3.77	3.14	2.51	1.89	1.26	0.63	0.00	0.00
37	6.32	6.32	6.32	6.32	6.32	5.68	5.05	4.42	3.79	3.16	2.53	1.89	1.26	0.63	0.00	0.00
38	6.42	6.42	6.42	6.42	6.42	5.78	5.13	4.49	3.85	3.21	2.57	1.93	1.28	0.64	0.00	0.00
39	6.52	6.52	6.52	6.52	6.52	5.87	5.22	4.56	3.91	3.26	2.61	1.96	1.30	0.65	0.00	0.00
40	6.62	6.62	6.62	6.62	6.62	5.96	5.30	4.63	3.97	3.31	2.65	1.99	1.32	0.66	0.00	0.00
41	6.76	6.76	6.76	6.76	6.76	6.08	5.40	4.73	4.05	3.38	2.70	2.03	1.35	0.68	0.00	0.00
42	6.82	6.82	6.82	6.82	6.82	6.14	5.46	4.78	4.09	3.41	2.73	2.05	1.36	0.68	0.00	0.00
43	6.99	6.99	6.99	6.99	6.99	6.29	5.59	4.89	4.19	3.50	2.80	2.10	1.40	0.70	0.00	0.00
44	7.13	7.13	7.13	7.13	7.13	6.41	5.70	4.99	4.28	3.56	2.85	2.14	1.43	0.71	0.00	0.00
45	7.30	7.30	7.30	7.30	7.30	6.57	5.84	5.11	4.38	3.65	2.92	2.19	1.46	0.73	0.00	0.00
46	7.46	7.46	7.46	7.46	7.46	6.72	5.97	5.23	4.48	3.73	2.99	2.24	1.49	0.75	0.00	0.00
47	7.67	7.67	7.67	7.67	7.67	6.90	6.13	5.37	4.60	3.83	3.07	2.30	1.53	0.77	0.00	0.00
48	7.87	7.87	7.87	7.87	7.87	7.08	6.30	5.51	4.72	3.93	3.15	2.36	1.57	0.79	0.00	0.00
49	8.14	8.14	8.14	8.14	8.14	7.33	6.51	5.70	4.88	4.07	3.26	2.44	1.63	0.81	0.00	0.00
50	8.38	8.38	8.38	8.38	8.38	7.54	6.70	5.86	5.03	4.19	3.35	2.51	1.68	0.84	0.00	0.00
51	8.65	8.65	8.65	8.65	8.65	7.78	6.92	6.05	5.19	4.32	3.46	2.59	1.73	0.86	0.00	0.00
52	8.95	8.95	8.95	8.95	8.95	8.05	7.16	6.26	5.37	4.47	3.58	2.68	1.79	0.89	0.00	0.00
53	9.29	9.29	9.29	9.29	9.29	8.36	7.43	6.50	5.57	4.64	3.71	2.79	1.86	0.93	0.00	0.00
54	9.62	9.62	9.62	9.62	9.62	8.66	7.70	6.74	5.77	4.81	3.85	2.89	1.92	0.96	0.00	0.00
55	10.06	10.06	10.06	10.06	10.06	9.06	8.05	7.04	6.04	5.03	4.03	3.02	2.01	1.01	0.00	0.00
56	10.47	10.47	10.47	10.47	10.47	9.42	8.37	7.33	6.28	5.23	4.19	3.14	2.09	1.05	0.00	0.00
57	10.91	10.91	10.91	10.91	10.91	9.82	8.72	7.63	6.54	5.45	4.36	3.27	2.18	1.09	0.00	0.00
58	11.41	11.41	11.41	11.41	11.41	10.27	9.13	7.99	6.85	5.71	4.57	3.42	2.28	1.14	0.00	0.00
59	11.99	11.99	11.99	11.99	11.99	10.79	9.59	8.39	7.19	5.99	4.79	3.60	2.40	1.20	0.00	0.00
60	12.56	12.56	12.56	12.56	12.56	11.30	10.05	8.79	7.54	6.28	5.02	3.77	2.51	1.26	0.00	0.00
61	13.17	13.17	13.17	13.17	13.17	11.85	10.53	9.22	7.90	6.58	5.27	3.95	2.63	1.32	0.00	0.00
62	13.88	13.88	13.88	13.88	13.88	12.49	11.10	9.71	8.33	6.94	5.55	4.16	2.78	1.39	0.00	0.00
63	14.62	14.62	14.62	14.62	14.62	13.16	11.70	10.23	8.77	7.31	5.85	4.39	2.92	1.46	0.00	0.00
64	15.43	15.43	15.43	15.43	15.43	13.89	12.34	10.80	9.26	7.71	6.17	4.63	3.09	1.54	0.00	0.00
65	16.25	16.25	16.25	16.25	16.25	14.63	13.00	11.38	9.75	8.13	6.50	4.88	3.25	1.63	0.00	0.00
66	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
67	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
68	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
69	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
70	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
71	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
72	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
73	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
74	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
75	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
76	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
77	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
78	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
79	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
80	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00

TABLE OF SURRENDER CHARGE FACTORS
Female Non-Nicotine (Preferred & Standard)
Number of Full Policy Years Completed Since the Issue Date
Issue Age	0	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15 or more
21	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
22	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
23	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
24	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
25	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
26	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
27	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
28	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
29	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
30	5.74	5.74	5.74	5.74	5.74	5.17	4.59	4.02	3.45	2.87	2.30	1.72	1.15	0.57	0.00	0.00
31	5.78	5.78	5.78	5.78	5.78	5.20	4.62	4.04	3.47	2.89	2.31	1.73	1.16	0.58	0.00	0.00
32	5.81	5.81	5.81	5.81	5.81	5.23	4.65	4.07	3.49	2.91	2.32	1.74	1.16	0.58	0.00	0.00
33	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
34	5.91	5.91	5.91	5.91	5.91	5.32	4.73	4.14	3.55	2.96	2.36	1.77	1.18	0.59	0.00	0.00
35	5.95	5.95	5.95	5.95	5.95	5.35	4.76	4.16	3.57	2.97	2.38	1.78	1.19	0.59	0.00	0.00
36	5.98	5.98	5.98	5.98	5.98	5.38	4.78	4.19	3.59	2.99	2.39	1.79	1.20	0.60	0.00	0.00
37	6.08	6.08	6.08	6.08	6.08	5.47	4.86	4.26	3.65	3.04	2.43	1.82	1.22	0.61	0.00	0.00
38	6.11	6.11	6.11	6.11	6.11	5.50	4.89	4.28	3.67	3.06	2.45	1.83	1.22	0.61	0.00	0.00
39	6.18	6.18	6.18	6.18	6.18	5.56	4.94	4.33	3.71	3.09	2.47	1.85	1.24	0.62	0.00	0.00
40	6.28	6.28	6.28	6.28	6.28	5.66	5.03	4.40	3.77	3.14	2.51	1.89	1.26	0.63	0.00	0.00
41	6.35	6.35	6.35	6.35	6.35	5.72	5.08	4.45	3.81	3.18	2.54	1.91	1.27	0.64	0.00	0.00
42	6.42	6.42	6.42	6.42	6.42	5.78	5.13	4.49	3.85	3.21	2.57	1.93	1.28	0.64	0.00	0.00
43	6.49	6.49	6.49	6.49	6.49	5.84	5.19	4.54	3.89	3.24	2.59	1.95	1.30	0.65	0.00	0.00
44	6.62	6.62	6.62	6.62	6.62	5.96	5.30	4.63	3.97	3.31	2.65	1.99	1.32	0.66	0.00	0.00
45	6.69	6.69	6.69	6.69	6.69	6.02	5.35	4.68	4.01	3.34	2.68	2.01	1.34	0.67	0.00	0.00
46	6.82	6.82	6.82	6.82	6.82	6.14	5.46	4.78	4.09	3.41	2.73	2.05	1.36	0.68	0.00	0.00
47	6.92	6.92	6.92	6.92	6.92	6.23	5.54	4.85	4.15	3.46	2.77	2.08	1.38	0.69	0.00	0.00
48	7.09	7.09	7.09	7.09	7.09	6.38	5.67	4.97	4.26	3.55	2.84	2.13	1.42	0.71	0.00	0.00
49	7.19	7.19	7.19	7.19	7.19	6.47	5.76	5.04	4.32	3.60	2.88	2.16	1.44	0.72	0.00	0.00
50	7.36	7.36	7.36	7.36	7.36	6.63	5.89	5.15	4.42	3.68	2.95	2.21	1.47	0.74	0.00	0.00
51	7.53	7.53	7.53	7.53	7.53	6.78	6.02	5.27	4.52	3.77	3.01	2.26	1.51	0.75	0.00	0.00
52	7.70	7.70	7.70	7.70	7.70	6.93	6.16	5.39	4.62	3.85	3.08	2.31	1.54	0.77	0.00	0.00
53	7.90	7.90	7.90	7.90	7.90	7.11	6.32	5.53	4.74	3.95	3.16	2.37	1.58	0.79	0.00	0.00
54	8.14	8.14	8.14	8.14	8.14	7.33	6.51	5.70	4.88	4.07	3.26	2.44	1.63	0.81	0.00	0.00
55	8.38	8.38	8.38	8.38	8.38	7.54	6.70	5.86	5.03	4.19	3.35	2.51	1.68	0.84	0.00	0.00
56	8.58	8.58	8.58	8.58	8.58	7.72	6.86	6.01	5.15	4.29	3.43	2.57	1.72	0.86	0.00	0.00
57	8.88	8.88	8.88	8.88	8.88	7.99	7.10	6.22	5.33	4.44	3.55	2.66	1.78	0.89	0.00	0.00
58	9.12	9.12	9.12	9.12	9.12	8.21	7.29	6.38	5.47	4.56	3.65	2.74	1.82	0.91	0.00	0.00
59	9.46	9.46	9.46	9.46	9.46	8.51	7.56	6.62	5.67	4.73	3.78	2.84	1.89	0.95	0.00	0.00
60	9.79	9.79	9.79	9.79	9.79	8.81	7.83	6.86	5.88	4.90	3.92	2.94	1.96	0.98	0.00	0.00
61	10.10	10.10	10.10	10.10	10.10	9.09	8.08	7.07	6.06	5.05	4.04	3.03	2.02	1.01	0.00	0.00
62	10.40	10.40	10.40	10.40	10.40	9.36	8.32	7.28	6.24	5.20	4.16	3.12	2.08	1.04	0.00	0.00
63	10.77	10.77	10.77	10.77	10.77	9.69	8.62	7.54	6.46	5.39	4.31	3.23	2.15	1.08	0.00	0.00
64	11.14	11.14	11.14	11.14	11.14	10.03	8.91	7.80	6.69	5.57	4.46	3.34	2.23	1.11	0.00	0.00
65	11.58	11.58	11.58	11.58	11.58	10.42	9.26	8.11	6.95	5.79	4.63	3.47	2.32	1.16	0.00	0.00
66	12.91	12.91	12.91	11.62	10.33	9.04	7.75	6.46	5.16	3.87	2.58	1.94	1.29	0.65	0.00	0.00
67	13.66	13.66	13.66	12.30	10.93	9.56	8.20	6.83	5.46	4.10	2.73	2.05	1.37	0.68	0.00	0.00
68	14.41	14.41	14.41	12.97	11.53	10.09	8.65	7.21	5.76	4.32	2.88	2.16	1.44	0.72	0.00	0.00
69	15.28	15.28	15.28	13.75	12.22	10.69	9.17	7.64	6.11	4.58	3.06	2.29	1.53	0.76	0.00	0.00
70	16.21	16.21	16.21	14.59	12.97	11.35	9.73	8.11	6.48	4.86	3.24	2.43	1.62	0.81	0.00	0.00
71	17.41	17.41	17.41	15.67	13.93	12.19	10.45	8.71	6.96	5.22	3.48	2.61	1.74	0.87	0.00	0.00
72	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
73	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
74	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
75	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
76	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
77	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
78	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
79	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
80	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00

TABLE OF SURRENDER CHARGE FACTORS
Male Nicotine
Number of Full Policy Years Completed Since the Issue Date
Issue Age	0	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15 or more
0	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
1	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
2	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
3	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
4	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
5	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
6	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
7	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
8	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
9	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
10	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
11	5.38	5.38	5.38	5.38	5.38	4.85	4.31	3.77	3.23	2.69	2.15	1.62	1.08	0.54	0.00	0.00
12	5.43	5.43	5.43	5.43	5.43	4.89	4.34	3.80	3.26	2.71	2.17	1.63	1.09	0.54	0.00	0.00
13	5.50	5.50	5.50	5.50	5.50	4.95	4.40	3.85	3.30	2.75	2.20	1.65	1.10	0.55	0.00	0.00
14	5.56	5.56	5.56	5.56	5.56	5.01	4.45	3.89	3.34	2.78	2.23	1.67	1.11	0.56	0.00	0.00
15	5.84	5.84	5.84	5.84	5.84	5.26	4.68	4.09	3.51	2.92	2.34	1.75	1.17	0.58	0.00	0.00
16	5.88	5.88	5.88	5.88	5.88	5.29	4.70	4.12	3.53	2.94	2.35	1.76	1.18	0.59	0.00	0.00
17	5.90	5.90	5.90	5.90	5.90	5.31	4.72	4.13	3.54	2.95	2.36	1.77	1.18	0.59	0.00	0.00
18	5.93	5.93	5.93	5.93	5.93	5.34	4.75	4.15	3.56	2.97	2.37	1.78	1.19	0.59	0.00	0.00
19	5.96	5.96	5.96	5.96	5.96	5.36	4.76	4.17	3.57	2.98	2.38	1.79	1.19	0.60	0.00	0.00
20	5.99	5.99	5.99	5.99	5.99	5.39	4.79	4.19	3.59	3.00	2.40	1.80	1.20	0.60	0.00	0.00
21	6.01	6.01	6.01	6.01	6.01	5.41	4.81	4.21	3.61	3.01	2.41	1.80	1.20	0.60	0.00	0.00
22	6.05	6.05	6.05	6.05	6.05	5.44	4.84	4.23	3.63	3.02	2.42	1.81	1.21	0.60	0.00	0.00
23	6.07	6.07	6.07	6.07	6.07	5.46	4.86	4.25	3.64	3.03	2.43	1.82	1.21	0.61	0.00	0.00
24	6.10	6.10	6.10	6.10	6.10	5.49	4.88	4.27	3.66	3.05	2.44	1.83	1.22	0.61	0.00	0.00
25	6.13	6.13	6.13	6.13	6.13	5.51	4.90	4.29	3.68	3.06	2.45	1.84	1.23	0.61	0.00	0.00
26	6.15	6.15	6.15	6.15	6.15	5.53	4.92	4.30	3.69	3.07	2.46	1.84	1.23	0.61	0.00	0.00
27	6.18	6.18	6.18	6.18	6.18	5.56	4.94	4.33	3.71	3.09	2.47	1.85	1.24	0.62	0.00	0.00
28	6.20	6.20	6.20	6.20	6.20	5.58	4.96	4.34	3.72	3.10	2.48	1.86	1.24	0.62	0.00	0.00
29	6.24	6.24	6.24	6.24	6.24	5.61	4.99	4.37	3.74	3.12	2.50	1.87	1.25	0.62	0.00	0.00
30	6.26	6.26	6.26	6.26	6.26	5.63	5.01	4.38	3.76	3.13	2.50	1.88	1.25	0.63	0.00	0.00
31	6.40	6.40	6.40	6.40	6.40	5.76	5.12	4.48	3.84	3.20	2.56	1.92	1.28	0.64	0.00	0.00
32	6.53	6.53	6.53	6.53	6.53	5.88	5.22	4.57	3.92	3.27	2.61	1.96	1.31	0.65	0.00	0.00
33	6.62	6.62	6.62	6.62	6.62	5.96	5.30	4.63	3.97	3.31	2.65	1.99	1.32	0.66	0.00	0.00
34	6.82	6.82	6.82	6.82	6.82	6.14	5.46	4.78	4.09	3.41	2.73	2.05	1.36	0.68	0.00	0.00
35	6.97	6.97	6.97	6.97	6.97	6.27	5.58	4.88	4.18	3.48	2.79	2.09	1.39	0.70	0.00	0.00
36	7.18	7.18	7.18	7.18	7.18	6.47	5.75	5.03	4.31	3.59	2.87	2.16	1.44	0.72	0.00	0.00
37	7.28	7.28	7.28	7.28	7.28	6.56	5.83	5.10	4.37	3.64	2.91	2.19	1.46	0.73	0.00	0.00
38	7.51	7.51	7.51	7.51	7.51	6.76	6.01	5.26	4.51	3.75	3.00	2.25	1.50	0.75	0.00	0.00
39	7.73	7.73	7.73	7.73	7.73	6.96	6.19	5.41	4.64	3.87	3.09	2.32	1.55	0.77	0.00	0.00
40	7.97	7.97	7.97	7.97	7.97	7.17	6.38	5.58	4.78	3.99	3.19	2.39	1.59	0.80	0.00	0.00
41	8.27	8.27	8.27	8.27	8.27	7.45	6.62	5.79	4.96	4.14	3.31	2.48	1.65	0.83	0.00	0.00
42	8.47	8.47	8.47	8.47	8.47	7.62	6.77	5.93	5.08	4.23	3.39	2.54	1.69	0.85	0.00	0.00
43	8.85	8.85	8.85	8.85	8.85	7.96	7.08	6.19	5.31	4.42	3.54	2.65	1.77	0.88	0.00	0.00
44	9.19	9.19	9.19	9.19	9.19	8.27	7.35	6.43	5.51	4.59	3.67	2.76	1.84	0.92	0.00	0.00
45	9.59	9.59	9.59	9.59	9.59	8.63	7.67	6.71	5.75	4.80	3.84	2.88	1.92	0.96	0.00	0.00
46	9.85	9.85	9.85	9.85	9.85	8.86	7.88	6.89	5.91	4.92	3.94	2.95	1.97	0.98	0.00	0.00
47	10.15	10.15	10.15	10.15	10.15	9.14	8.12	7.11	6.09	5.08	4.06	3.05	2.03	1.02	0.00	0.00
48	10.46	10.46	10.46	10.46	10.46	9.41	8.36	7.32	6.27	5.23	4.18	3.14	2.09	1.05	0.00	0.00
49	10.86	10.86	10.86	10.86	10.86	9.77	8.69	7.60	6.52	5.43	4.34	3.26	2.17	1.09	0.00	0.00
50	11.19	11.19	11.19	11.19	11.19	10.07	8.95	7.83	6.71	5.59	4.48	3.36	2.24	1.12	0.00	0.00
51	11.56	11.56	11.56	11.56	11.56	10.40	9.25	8.09	6.94	5.78	4.62	3.47	2.31	1.16	0.00	0.00
52	11.98	11.98	11.98	11.98	11.98	10.78	9.58	8.38	7.19	5.99	4.79	3.59	2.40	1.20	0.00	0.00
53	12.43	12.43	12.43	12.43	12.43	11.18	9.94	8.70	7.46	6.21	4.97	3.73	2.49	1.24	0.00	0.00
54	12.86	12.86	12.86	12.86	12.86	11.58	10.29	9.01	7.72	6.43	5.15	3.86	2.57	1.29	0.00	0.00
55	13.44	13.44	13.44	13.44	13.44	12.09	10.75	9.41	8.06	6.72	5.38	4.03	2.69	1.34	0.00	0.00
56	13.93	13.93	13.93	13.93	13.93	12.54	11.15	9.75	8.36	6.97	5.57	4.18	2.79	1.39	0.00	0.00
57	14.45	14.45	14.45	14.45	14.45	13.01	11.56	10.12	8.67	7.23	5.78	4.34	2.89	1.45	0.00	0.00
58	15.04	15.04	15.04	15.04	15.04	13.54	12.03	10.53	9.03	7.52	6.02	4.51	3.01	1.50	0.00	0.00
59	15.71	15.71	15.71	15.71	15.71	14.14	12.57	11.00	9.43	7.86	6.28	4.71	3.14	1.57	0.00	0.00
60	16.25	16.25	16.25	16.25	16.25	14.63	13.00	11.38	9.75	8.13	6.50	4.88	3.25	1.63	0.00	0.00
61	16.25	16.25	16.25	16.25	16.25	14.63	13.00	11.38	9.75	8.13	6.50	4.88	3.25	1.63	0.00	0.00
62	16.25	16.25	16.25	16.25	16.25	14.63	13.00	11.38	9.75	8.13	6.50	4.88	3.25	1.63	0.00	0.00
63	16.25	16.25	16.25	16.25	16.25	14.63	13.00	11.38	9.75	8.13	6.50	4.88	3.25	1.63	0.00	0.00
64	16.25	16.25	16.25	16.25	16.25	14.63	13.00	11.38	9.75	8.13	6.50	4.88	3.25	1.63	0.00	0.00
65	16.25	16.25	16.25	16.25	16.25	14.63	13.00	11.38	9.75	8.13	6.50	4.88	3.25	1.63	0.00	0.00
66	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
67	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
68	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
69	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
70	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
71	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
72	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
73	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
74	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
75	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
76	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
77	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
78	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
79	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
80	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00

TABLE OF SURRENDER CHARGE FACTORS
Female Nicotine
Number of Full Policy Years Completed Since the Issue Date
Issue Age	0	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15 or more
0	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
1	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
2	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
3	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
4	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
5	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
6	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
7	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
8	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
9	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
10	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
11	5.32	5.32	5.32	5.32	5.32	4.78	4.25	3.72	3.19	2.66	2.13	1.59	1.06	0.53	0.00	0.00
12	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
13	5.36	5.36	5.36	5.36	5.36	4.82	4.29	3.75	3.22	2.68	2.14	1.61	1.07	0.54	0.00	0.00
14	5.38	5.38	5.38	5.38	5.38	4.85	4.31	3.77	3.23	2.69	2.15	1.62	1.08	0.54	0.00	0.00
15	5.61	5.61	5.61	5.61	5.61	5.05	4.49	3.93	3.37	2.80	2.24	1.68	1.12	0.56	0.00	0.00
16	5.63	5.63	5.63	5.63	5.63	5.07	4.50	3.94	3.38	2.82	2.25	1.69	1.13	0.56	0.00	0.00
17	5.69	5.69	5.69	5.69	5.69	5.12	4.55	3.98	3.41	2.84	2.27	1.71	1.14	0.57	0.00	0.00
18	5.71	5.71	5.71	5.71	5.71	5.14	4.57	4.00	3.43	2.85	2.28	1.71	1.14	0.57	0.00	0.00
19	5.77	5.77	5.77	5.77	5.77	5.19	4.61	4.04	3.46	2.88	2.31	1.73	1.15	0.58	0.00	0.00
20	5.79	5.79	5.79	5.79	5.79	5.21	4.63	4.05	3.47	2.89	2.32	1.74	1.16	0.58	0.00	0.00
21	5.89	5.89	5.89	5.89	5.89	5.30	4.71	4.12	3.53	2.94	2.36	1.77	1.18	0.59	0.00	0.00
22	5.91	5.91	5.91	5.91	5.91	5.32	4.73	4.14	3.55	2.96	2.36	1.77	1.18	0.59	0.00	0.00
23	5.95	5.95	5.95	5.95	5.95	5.35	4.76	4.16	3.57	2.97	2.38	1.78	1.19	0.59	0.00	0.00
24	5.97	5.97	5.97	5.97	5.97	5.37	4.77	4.18	3.58	2.98	2.39	1.79	1.19	0.60	0.00	0.00
25	5.99	5.99	5.99	5.99	5.99	5.39	4.79	4.19	3.59	3.00	2.40	1.80	1.20	0.60	0.00	0.00
26	6.01	6.01	6.01	6.01	6.01	5.41	4.81	4.21	3.61	3.01	2.41	1.80	1.20	0.60	0.00	0.00
27	6.04	6.04	6.04	6.04	6.04	5.43	4.83	4.22	3.62	3.02	2.41	1.81	1.21	0.60	0.00	0.00
28	6.07	6.07	6.07	6.07	6.07	5.46	4.86	4.25	3.64	3.03	2.43	1.82	1.21	0.61	0.00	0.00
29	6.09	6.09	6.09	6.09	6.09	5.48	4.87	4.26	3.65	3.05	2.44	1.83	1.22	0.61	0.00	0.00
30	6.11	6.11	6.11	6.11	6.11	5.50	4.89	4.28	3.67	3.06	2.45	1.83	1.22	0.61	0.00	0.00
31	6.19	6.19	6.19	6.19	6.19	5.57	4.95	4.34	3.72	3.10	2.48	1.86	1.24	0.62	0.00	0.00
32	6.27	6.27	6.27	6.27	6.27	5.64	5.02	4.39	3.76	3.14	2.51	1.88	1.25	0.63	0.00	0.00
33	6.35	6.35	6.35	6.35	6.35	5.72	5.08	4.45	3.81	3.18	2.54	1.91	1.27	0.64	0.00	0.00
34	6.49	6.49	6.49	6.49	6.49	5.84	5.19	4.54	3.89	3.24	2.59	1.95	1.30	0.65	0.00	0.00
35	6.58	6.58	6.58	6.58	6.58	5.92	5.26	4.60	3.95	3.29	2.63	1.97	1.32	0.66	0.00	0.00
36	6.67	6.67	6.67	6.67	6.67	6.00	5.33	4.67	4.00	3.33	2.67	2.00	1.33	0.67	0.00	0.00
37	6.87	6.87	6.87	6.87	6.87	6.18	5.49	4.81	4.12	3.43	2.75	2.06	1.37	0.69	0.00	0.00
38	6.97	6.97	6.97	6.97	6.97	6.27	5.58	4.88	4.18	3.48	2.79	2.09	1.39	0.70	0.00	0.00
39	7.13	7.13	7.13	7.13	7.13	6.41	5.70	4.99	4.28	3.56	2.85	2.14	1.43	0.71	0.00	0.00
40	7.35	7.35	7.35	7.35	7.35	6.62	5.88	5.15	4.41	3.68	2.94	2.21	1.47	0.74	0.00	0.00
41	7.52	7.52	7.52	7.52	7.52	6.77	6.02	5.26	4.51	3.76	3.01	2.26	1.50	0.75	0.00	0.00
42	7.69	7.69	7.69	7.69	7.69	6.92	6.15	5.38	4.61	3.84	3.08	2.31	1.54	0.77	0.00	0.00
43	7.87	7.87	7.87	7.87	7.87	7.08	6.30	5.51	4.72	3.93	3.15	2.36	1.57	0.79	0.00	0.00
44	8.18	8.18	8.18	8.18	8.18	7.37	6.55	5.73	4.91	4.09	3.27	2.46	1.64	0.82	0.00	0.00
45	8.38	8.38	8.38	8.38	8.38	7.54	6.70	5.86	5.03	4.19	3.35	2.51	1.68	0.84	0.00	0.00
46	8.59	8.59	8.59	8.59	8.59	7.73	6.87	6.01	5.15	4.29	3.44	2.58	1.72	0.86	0.00	0.00
47	8.72	8.72	8.72	8.72	8.72	7.85	6.98	6.11	5.23	4.36	3.49	2.62	1.74	0.87	0.00	0.00
48	8.97	8.97	8.97	8.97	8.97	8.07	7.18	6.28	5.38	4.49	3.59	2.69	1.79	0.90	0.00	0.00
49	9.10	9.10	9.10	9.10	9.10	8.19	7.28	6.37	5.46	4.55	3.64	2.73	1.82	0.91	0.00	0.00
50	9.33	9.33	9.33	9.33	9.33	8.40	7.46	6.53	5.60	4.67	3.73	2.80	1.87	0.93	0.00	0.00
51	9.56	9.56	9.56	9.56	9.56	8.60	7.64	6.69	5.73	4.78	3.82	2.87	1.91	0.96	0.00	0.00
52	9.77	9.77	9.77	9.77	9.77	8.79	7.82	6.84	5.86	4.89	3.91	2.93	1.95	0.98	0.00	0.00
53	10.03	10.03	10.03	10.03	10.03	9.03	8.02	7.02	6.02	5.01	4.01	3.01	2.01	1.00	0.00	0.00
54	10.33	10.33	10.33	10.33	10.33	9.30	8.27	7.23	6.20	5.17	4.13	3.10	2.07	1.03	0.00	0.00
55	10.63	10.63	10.63	10.63	10.63	9.56	8.50	7.44	6.38	5.31	4.25	3.19	2.13	1.06	0.00	0.00
56	10.84	10.84	10.84	10.84	10.84	9.76	8.67	7.59	6.50	5.42	4.34	3.25	2.17	1.08	0.00	0.00
57	11.21	11.21	11.21	11.21	11.21	10.09	8.97	7.85	6.73	5.61	4.48	3.36	2.24	1.12	0.00	0.00
58	11.45	11.45	11.45	11.45	11.45	10.30	9.16	8.01	6.87	5.72	4.58	3.43	2.29	1.14	0.00	0.00
59	11.83	11.83	11.83	11.83	11.83	10.65	9.46	8.28	7.10	5.91	4.73	3.55	2.37	1.18	0.00	0.00
60	12.19	12.19	12.19	12.19	12.19	10.97	9.75	8.53	7.31	6.09	4.87	3.66	2.44	1.22	0.00	0.00
61	12.47	12.47	12.47	12.47	12.47	11.22	9.98	8.73	7.48	6.24	4.99	3.74	2.49	1.25	0.00	0.00
62	12.74	12.74	12.74	12.74	12.74	11.47	10.19	8.92	7.64	6.37	5.10	3.82	2.55	1.27	0.00	0.00
63	13.08	13.08	13.08	13.08	13.08	11.77	10.46	9.16	7.85	6.54	5.23	3.92	2.62	1.31	0.00	0.00
64	13.39	13.39	13.39	13.39	13.39	12.05	10.71	9.38	8.04	6.70	5.36	4.02	2.68	1.34	0.00	0.00
65	13.78	13.78	13.78	13.78	13.78	12.40	11.02	9.64	8.27	6.89	5.51	4.13	2.76	1.38	0.00	0.00
66	15.29	15.29	15.29	13.76	12.23	10.70	9.17	7.64	6.12	4.59	3.06	2.29	1.53	0.76	0.00	0.00
67	15.98	15.98	15.98	14.38	12.78	11.18	9.59	7.99	6.39	4.79	3.20	2.40	1.60	0.80	0.00	0.00
68	16.61	16.61	16.61	14.95	13.29	11.63	9.97	8.31	6.64	4.98	3.32	2.49	1.66	0.83	0.00	0.00
69	17.33	17.33	17.33	15.59	13.86	12.13	10.40	8.66	6.93	5.20	3.47	2.60	1.73	0.87	0.00	0.00
70	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
71	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
72	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
73	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
74	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
75	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
76	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
77	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
78	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
79	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00
80	17.50	17.50	17.50	15.75	14.00	12.25	10.50	8.75	7.00	5.25	3.50	2.63	1.75	0.88	0.00	0.00

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

	Page
General Information and History	3
Farmers New World Life Insurance Company	3
Farmers Variable Life Separate Account A	3
Additional Policy Provisions	3
The Policy	3
Our Right to Contest the Policy	4
Suicide Exclusion	4
Misstatement of Age or Sex	4
Addition, Deletion or Substitution of Investments	4
Resolving Material Conflicts	4
Changing Death Benefit Options	5
Settlement Privileges	5
Dollar Cost Averaging	6
Automatic Asset Rebalancing Program	7
Accumulation Unit Value	8
Third Party Administration Agreement	8
Distribution of the Policies	8
Reports to Owners	9
Records	10
Legal Matters	10
Experts	10
Other Information	10
Financial Statements	10

•

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.

•

You must send us a signed request for a change.

•

We may require evidence of insurability.

•

You may make no more than one change per policy year.

•

The change will take effect on the monthly due date following our approval of the request.

•

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.

•

Evidence of insurability is not required.

•

The principal sum will change. The new Option B principal sum will equal the Option A principal sum plus the contract value.

•

The minimum premium will increase.

•

The Insured must provide evidence of insurability satisfactory to us.

•

The principal sum will change. The new Option A principal sum will equal the Option B principal sum less the contract value immediately before the change, but in no case will the new principal sum be less than the minimum principal sum amount shown on the Policy Specifications page. No surrender charge will be imposed solely as a result of this change in principal sum.

•

The minimum premium will decrease as a result of any decrease in the principal sum.

•

After either change, the total surrender charge for the policy will continue to be based on the principal sum at the time of issue on which surrender charges have not already been imposed.

•

the amount of the surrender or Death Benefit 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 sex.

Option 1 – Interest Accumulation:	• Proceeds will earn interest at the rate of 2.5 percent per year compounded annually.   • We may retain these funds under this option for not longer than five years. If the beneficiary is a minor we may retain these funds until the beneficiary attains the age of majority.
Option 2 – Interest Income:	• Each $1,000 of proceeds will yield an income of not less than $25.00 annually, $12.42 semi- annually, $6.19 quarterly, or $2.05 monthly.   • Unless you direct otherwise, the payee may withdraw the proceeds at any time. After the first year, we may defer such withdrawal for up to six months.
Option 3 – Income—Period Certain:	• We will pay installments for a specified period. The amount of each installment will not be less than those shown in the table below.   • If the payee dies prior to the end of the specified period, the installments remaining to the end of the period will be paid to the contingent payee.
Option 4 – Income—Amount Certain:	• We will pay installments of a specified amount until the proceeds, together with 2.5 percent interest compounded annually, are paid in full.
Option 5 – Income—Life:	• We will pay installments for the lifetime of the payee but for not less than a guaranteed period. If the payee dies prior to the end of the guaranteed period, the installments remaining will be paid to the contingent payee.   • The amount of each installment will depend upon the adjusted age and sex of the payee at the time the first payment is due.   • The adjusted age is determined by calculating the age at the nearest birthday of the payee 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
2001 to 2010	1 Year
2011 to 2020	2 Years
2021 to 2030	3 Years
2031 to 2040	4 Years
After 2040	5 Years

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;

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.

• the current principal sum	• premiums paid, monthly deductions and loans since the last report
• the amount of death benefit	• notifications required under the provisions of the policy
• the Contract Value	• the amount of any policy loan outstanding
• the Surrender Value
• Any other information required by the state where the policy was delivered.

Item 30.

Exhibits

(a)

Board of Directors Resolutions.

1)

Resolution of the Board of Directors of Farmers New World Life Insurance Company establishing Farmers Variable Life Separate Account A, incorporated herein by reference to the initial registration statement on the Form S-6 for this product (File No. 333-84023) filed with the SEC on July 29, 1999.

(b)

Custodian Agreements. Not applicable.

(c)

Underwriting Contracts.

	1)	Form of Distribution Agreement, 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)	Form of Investors Brokerage Services, Inc. Registered Representative Agreement, 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.
	3)	Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, 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.
	4)	Registered Representative Agreement Farmers Financial Solutions, LLC, 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.
	5)	Amended and Restated Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, 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.
	6)	Amended and Restated Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, 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).
	7)	First Amendment to the Amended and Restated Distribution Agreement between Farmers New World Life Insurance Company and Farmers Financial Solutions, LLC, incorporated herein by reference to Post-Effective Amendment No. 2 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2010 (File Nos. 333-149540 and 811-09507).
	8)	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. 25 on Form N-6 for Farmers Variable Life Separate Account A, (File Nos. 333-84023 and 811-09507).

(d)

Contracts.

	1)	Revised Specimen Flexible Premium Variable Life Insurance Policy, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No.  333-84023) filed with the SEC on December 2, 1999.
	2)	Revised Monthly Disability Benefit Rider, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999 and in Post-Effective Amendment No. 6 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 28, 2003.
	3)	Revised Waiver of Deduction Benefit Rider, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999.
	4)	Revised Accidental Death Benefit Rider, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999.

	5)	Revised Additional Insured Term Insurance Rider, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999,
	6)	Revised Children’s Term Insurance Rider, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999.
	7)	Automatic Increase Benefit Rider, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999.
	8)	Accelerated Benefit Rider, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999.
	9)	Final Contract for the Individual Flex, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999. Variable Premium Variable Life Insurance Policy, incorporated herein by reference in Post-Effective Amendment No. 7 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 27, 2004.
	10)	Accelerated Benefit Rider for Terminal Illness, incorporated herein by reference in Post-Effective Amendment No.  8 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 28, 2005.
	11)	Revised Variable Policy Facing Page (2004), incorporated herein by reference in Post-Effective Amendment No.  8 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 28, 2005.

(e)

Applications.

	1)	Form of Application for Flexible Premium Life Insurance, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999.
	2)	Form of Variable Policy Application Supplement, 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)	Revised Variable Policy Application Supplement,, 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 and 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.
	4)	Revised Variable Policy Application Supplement, incorporated herein by reference to Post-Effective Amendment No.  6 to the Form N-4 registration statement for Farmers Annuity Separate Account A (File No. 333-85183) filed with the SEC on April 27, 2004.
	5)	Revised Variable Policy Application Supplement (2007), 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.
	6)	Revised Variable Policy Application Supplement (May 2008), incorporated herein by reference to the 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).

(f)

Depositor’s Certificate of Incorporation and By-Laws.

	1)	Articles of Incorporation of Farmers New World Life Insurance Company, incorporated herein by reference to the initial registration statement on the Form S-6 for this product (File No. 333-84023) filed with the SEC on July 29, 1999.
	2)	By-Laws of Farmers New World Life Insurance Company, incorporated herein by reference to the initial registration statement on the Form S-6 for this product (File No. 333-84023) filed with the SEC on July 29, 1999.
	3)	Amended Articles of Incorporation of Farmers New World Life Insurance Company (May 1, 2007), 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)	Revised and Restated By-Laws of Farmers New World Life Insurance Company (July 23, 2009), incorporated herein by reference to Post-Effective Amendment No. 2 to registration statement on Form N-6 for 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), incorporated herein by reference to Post-Effective Amendment No. 3 to registration statement on Form N-6 for 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), incorporated herein by reference to Post-Effective Amendment No. 5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No. 333-149540 and 811-09507).
	7)	Revised and Restated By-Laws of Farmers New World Life Insurance Company (May 27, 2015), incorporated herein by reference to Post-Effective Amendment No. 10 to registration statement on Form N-6 for 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), incorporated herein by reference to Post-Effective Amendment No. 10 to registration statement on Form N-6 for 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)	Facultative Yearly Renewable Term Reinsurance Agreement Between Farmers New World Life Insurance Company and Company A, incorporated herein by reference in Post-Effective Amendment No. 7 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 27, 2004.
	2)	Facultative Yearly Renewable Term Reinsurance Agreement Between Farmers New World Life Insurance Company and Company B, incorporated herein by reference in Post-Effective Amendment No. 7 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 27, 2004.
	3)	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.
	4)	Coinsurance and Modified Coinsurance Agreement between Farmers New World Life Insurance Company and Security Life of Denver Insurance Company effective August 1, 2023.
(h) Participation Agreements.
	1)	Participation Agreement among Kemper Variable Series, Scudder Kemper Investments, Inc., Kemper Distributors, Inc. and Farmers New World Life Insurance Company, 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, 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, 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, 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, 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, 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, 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, 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, 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 among Calvert Variable Series, Inc., Calvert Distributors, Inc. and Farmers New World Life Insurance Company, 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 between Dreyfus Variable Investment Fund and the Dreyfus Socially Responsible Growth Fund, Inc. and Farmers New World Life Insurance Company, 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 Goldman Sachs Variable Insurance Trust, Goldman, Sachs  & Co. and Farmers New World Life Insurance Company, 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 (Service Shares) among Janus Aspen Series, Janus Capital Corporation and Farmers New World Life Insurance Company, 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)	Participation Agreement among Variable Insurance Products Funds, Fidelity Distributors Corporation and Farmers New World Life Insurance Company, 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.
	15)	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. 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.
	16)	Amendment No.  1 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.  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.
	17)	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.
	18)	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.
	19)	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. 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.
	20)	Form of Rule 22c-2 Shareholder Information Agreement, 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.
	21)	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, 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.

	22)	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, 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).
	23)	Amendment to the 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 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).
	24)	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, 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).
	25)	Participation Agreement among Principal Funds Distributor, Inc. and Farmers New World Life Insurance Company, incorporated herein by reference to the 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).
	26)	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, incorporated herein by reference to the 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).
	27)	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, incorporated herein by reference to the 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).
	28)	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, Incorporated herein by reference to the 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).
	29)	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, incorporated herein by reference to the 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).,
	30)	Amendment No.  1 to the Participation Agreement among Janus Aspen Series (Institutional Shares), Janus Capital Corporation and Farmers New World Life Insurance Company, incorporated herein by reference to the 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).
	31)	Amendment No.  1 to the Participation Agreement among Janus Aspen Series (Service Shares), Janus Capital Corporation and Farmers New World Life Insurance Company, incorporated herein by reference to the 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).
	32)	Amendment No.  2 to the Participation Agreement among PIMCO Variable Insurance Trust, PIMCO Funds Distributors LLC, and Farmers New World Life Insurance Company, incorporated herein by reference to the 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).
	33)	First Amendment to the Participation Agreement among Principal Funds Distributor, Inc. and Farmers New World Life Insurance Company, incorporated herein by reference to Post-Effective Amendment No. 13 on Form N-4 for Farmers Variable Annuity Separate Account filed with the SEC on October 22, 2009 (File Nos. 333-85183 and 811-09547).
	34)	Novation of and 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), incorporated herein by reference to Post-Effective Amendment No. 3 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 29, 2011 (File Nos. 333-149540 and 811-09507).
	35)	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, incorporated herein by reference to Post-Effective Amendment No. 3 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 29, 2011 (File Nos. 333-149540 and 811-09507).
	36)	Assignment and Amendment by and among PIMCO Variable Insurance Trust and Farmers New World Life Insurance Company, incorporated herein by reference to Post-Effective Amendment No. 4 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2012 (File No. 333-149540 and 811-09507).
	37)	Amendment to the Participation Agreement by and among PIMCO Variable Insurance Trust, PIMCO Investments LLC and Farmers New World Life Insurance Company (January 28, 2013) incorporated herein by reference to Post-Effective Amendment No. 5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No. 333-149540 and 811-09507).
	38)	Amendment to the Participation Agreement Dated April  14, 2000 between DWS Variable Series I, Deutsche Investment Management Americas, Inc., DWS Investments Distributors, Inc. and Farmers New World Life Insurance Company. (February 4, 2013), incorporated herein by reference to Post-Effective Amendment No. 5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No. 333-149540 and 811-09507).
	39)	Amendment to the Participating Agreement dated April  23, 2003 between DWS Investment VIT Funds, Deutsche Investment Management Americas, Inc., and Farmers New World Life Insurance Company. (February 4, 2013), incorporated herein by reference to Post-Effective Amendment No.  5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No.  333-149540 and 811-09507).
	40)	Amendment to the Participation Agreement dated March  10, 2000 between DWS Variable Series II, DWS Investment Management Americas, Inc., incorporated herein by reference to Post-Effective Amendment No.  5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No.  333-149540 and 811-09507).
	41)	Amendments 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), incorporated herein by reference to Post-Effective Amendment No.  5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No.  333-149540 and 811-09507).
	42)	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), incorporated herein by reference to Post-Effective Amendment No.  5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No.  333-149540 and 811-09507).
	43)	Amendment to Participation Agreement between Goldman Sachs Variable Insurance Trust, Goldman Sachs  & Co. and Farmers New World Life Insurance Company (January 28, 2013), incorporated herein by reference to Post-Effective Amendment No.  5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No.  333-149540 and 811-09507).
	44)	Amendment to the Fund Participation Agreement dated April  20, 2001 between Dreyfus and Farmers New World Life Insurance Company (April 5, 2013), incorporated herein by reference to Post-Effective Amendment No.  5 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 30, 2013 (File No.  333-149540 and 811-09507).
	45)	Amendment to the Letter Agreement between Deutsche Investment Management Americas Inc. and Farmers New World Life Insurance Company (January 1, 2015), incorporated herein by reference to Post-Effective Amendment No. 8 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC of April 29, 2016 (File Nos. 333-149540 and 811-09507).
	46)	Amendment to the Indemnification Agreement between Deutsche Investment Management Americas Inc. and Farmers New World Life Insurance Company (January 1, 2015), incorporated herein by reference to Post-Effective Amendment No. 8 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC of April 29, 2016 (File Nos. 333-149540 and 811-09507).
	47)	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 incorporated herein by reference to Post-Effective Amendment No. 8 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC of April 29, 2016 (File Nos. 333-149540 and 811-09507).
	48)	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, incorporated herein by reference to Post-Effective Amendment No. 10 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on May  21, 2018 (File Nos. 333-149540 and 811-09507).
	49)	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, incorporated herein by reference to Post-Effective Amendment No. 10 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on May 21, 2018 (File Nos. 333-149540 and 811-09507).
	50)	Amendment to Participation Agreement 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, LLC 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)	Form of Master Administration Agreement between McCamish Systems, LLC 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.
	3)	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, Opinion of Ryan R. Larson, FSA, MAAA, incorporated herein by reference in Post-Effective Amendment No. 8 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 28, 2005.

(m)

Calculation, incorporated herein by reference in Post-Effective Amendment No. 6 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 28, 2003.

(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, incorporated herein by reference to Pre-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on December 2, 1999.
	2)	Revised description of issuance, transfer and redemption procedures (May 2000), incorporated herein by reference to Post-Effective Amendment No. 1 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on April 21, 2000
	3)	Revised description of issuance, transfer and redemption procedures (May 2001), incorporated herein by reference to Post-Effective Amendment No. 2 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on April 27, 2001.
	4)	Revised description of issuance, transfer and redemption procedures (May 2002), Incorporated herein by reference in Post-Effective Amendment No. 3 to this Form S-6 registration statement (File No. 333-84023) filed with the SEC on April 26, 2002.
	5)	Revised description of issuance, transfer and redemption procedures (May 2004), Incorporated herein by reference in Post-Effective Amendment No. 7 to this Form N-6 registration statement (File No. 811-09507) filed with the SEC on April 27, 2004.
	6)	Revised description of issuance, transfer and redemption procedures (May 2005), Opinion of Ryan R. Larson, FSA, MAAA, incorporated herein by reference in Post-Effective Amendment No. 8 to this Form N-6 registration statement (File No. 333-84023) filed with the SEC on April 28, 2005.
	7)	Revised description of issuance, transfer and redemption procedures (September 2008), 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).
	8)	Revised description of issuance, transfer and redemption procedures (April 2017), incorporated herein by reference to Post-Effective Amendment No. 9 to registration statement on Form N-6 for Farmers Variable Life Separate Account A filed with the SEC on April 28, 2017 (File Nos. 333-149540 and 811-09507).

Item 31.

Directors and Officers of the Depositor

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, Interim 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 is12822 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.

Item 32.

Persons Controlled by or Under Common Control with the Insurance Company or Registrant Organizations Affiliated with Zurich U.S. Insurance Group

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

Item 33.

Indemnification

Item 34.

Principal Underwriter

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

Item 35.

Location of Accounts and Records

Item 36.

Management Services

Item 37.

Fee Representation

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

Exhibit (g)(3)	Commutation and Release Agreement between Farmers New World Life Insurance Company and Zurich Insurance Company, Ltd. dated as of August 1, 2023.
Exhibit (g)(4)	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