Flexible Premium Adjustable Life Insurance Policy Illustration

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Prepared for: Valued Client

Prepared by: Illustration Desk

2801 Townsgate Rd.

Suite 350

Westlake Village, California, 91361

Tel: 800-350-2019

License Number: 1111111

Insurance Products:

• Not a Deposit • Not FDIC Insured • Not Insured By Any Federal Government Agency • Not Guaranteed By Any Bank

Or Credit Union • May Go Down In Value

MetLife Insurance Company USA 11225 North Community House Road Charlotte, NC 28277

Metlife Premier Accumulator Universal Life insurance policy is issued in New York only by Metropolitan Life Insurance Company, 200 Park Avenue, New York, NY 10166 on policy form #1E-37-14-NY and by MetLife Insurance Company USA, 11225 North Community House Road, Charlotte, NC 28277 on policy form

#5E-37-14-AL.

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Initial Premium Outlay

Illustrated Coverage Annual Semi-Annual Quarterly Monthly Bank

Draft

Policy Premiums $0.00 $0.00 $0.00 $0.00

Lump Sum * $1,000,000.00 $1,000,000.00 $1,000,000.00 $1,000,000.00

Total Amount $1,000,000.00 $1,000,000.00 $1,000,000.00 $1,000,000.00

*This is a scheduled single payment of funds. Receipt of this lump sum is planned to occur within 12 months of the Policy Start Date.

Please note, you have the option of choosing to have your life insurance policy premiums billed on a mode other than annual. Any changes to the amount, frequency and timing of premium payments as illustrated will have a direct impact on the policy's values. If premiums are paid more frequently than annually, the cash value will be lower than the cash values under an annual premium scenario.

This illustration assumes that premium payments are made as scheduled at the beginning of the modal period. It also assumes that the illustrated Lump Sum of $1,000,000.00 is received in policy year 1. Any payments made after the assumed dates will result in lower policy values than those illustrated.

About This Illustration

This illustration shows values for Metlife Premier Accumulator Universal Life (Flexible Premium Adjustable Life Insurance) insurance policy and any illustrated riders made part of this policy on a guaranteed and a non-guaranteed basis. This illustration does not change any provisions of your policy. Actual values and benefits may be more or less than those illustrated. If you apply for this policy and the insured's actual age, sex, or risk class, which is the basis on which the premiums are calculated, is different than shown above, the Representative will provide you with a revised illustration and can explain any differences to you. This illustration was designed to help you understand how this policy works and is not a projection of how it will perform on a non- guaranteed basis.

A Brief Description of the Policy

(Please read your policy for a more complete description and explanation of this coverage)

Metlife Premier Accumulator (Flexible Premium Adjustable Life Insurance) is a permanent life insurance policy designed to allow flexible premiums and provide flexible death benefit protection. The non-guaranteed Cash Values and Death Benefits are based on the amount of premium payments, charges, and the interest credited to the policy. Metlife Premier Accumulator Universal Life is a non-participating policy and does not pay dividends. Product guarantees are subject to the financial strength and claims paying ability of the issuing insurance company, MetLife Insurance Company USA.

The Minimum Annual Premium to Issue is $7,744.59.

Premium to Guarantee Coverage - $82,371.53 is the amount of the level annual premium that would guarantee coverage until maturity based on guaranteed expenses, charges and interest crediting rate assuming no loans, withdrawals or policy changes. A “Continuation of the Policy Beyond Attained Age 121” provision is part of this policy. This provision provides for the

continuation of the policy beyond the policy anniversary at the insured’s attained age 121, provided the policy remains in force to age 121.

For a Death Benefit Option A policy, the death benefit on or after attained age 121 will be the greater of:

WF Date Prepared: 08/29/2015 11:29:14 AM L0215411818[exp0317][xNY][xGU,MP,VI]

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1. the face amount of the policy on the date of the insured’s death plus any rider death benefits determined as of the day prior to attained age 121 (if indicated in the rider); or

2. 101 percent of the cash value on the date of the insured’s death.

For a Death Benefit Option B policy, the death benefit on or after the attained age 121 will be the face amount of the policy on the date of the insured’s death; plus any rider death benefits determined as of the day prior to attained age 121 (if indicated in the rider); plus the cash value on the date of the insured’s death.

Premiums cannot be paid on or after the maturity date, unless they are required under a Grace Period provision due to an excess loan and there will be no monthly deduction taken on or after the maturity date.

Paying additional premiums will increase the cash value. What is Guaranteed

There is a guaranteed minimum interest crediting rate. All net premiums less partial withdrawals, loans and policy charges and expenses, are credited daily with an interest rate guaranteed to be no less than 2.00% on an annualized basis. The portion of the policy cash value securing a loan is credited daily with an interest rate guaranteed to be no less than 2.00% on an annualized basis. The policy contract includes maximum cost of insurance rates and guaranteed expense and policy charges.

What is Non-Guaranteed

The interest rate actually credited may or may not exceed the guaranteed minimum interest crediting rate. All net premiums less partial withdrawals, loans and policy charges and expenses, are credited daily with a non-guaranteed, current interest rate of 4.45% as of 8/29/2015. The portion of the policy cash value securing a loan is credited daily with a non-guaranteed, current interest rate of 4.45% as of 8/29/2015. The cost of insurance rates and expense and policy charges may or may not be less than the maximum guaranteed rates and charges as stated in the policy contract.

If the non-guaranteed, current crediting rate exceeds the guaranteed minimum interest crediting rate or, if the non-guaranteed, current cost of insurance rates and expense and policy charges are less than the guaranteed maximum rates and charges, your policy’s Cash Value can increase, thereby increasing the value of your life insurance policy.

This illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown.

Policy Charges and Expenses

1. A premium charge of 33.00% is assessed in the first year, 10.00% thereafter, until Target Premium is reached; and a premium charge of 3.00% is assessed in the first year, 5.00% thereafter after the Target Premium is reached under guaranteed

assumptions on your policy. A premium charge of 33.00% is assessed in the first year, 8.00% thereafter, until Target Premium is reached and a premium charge of 3.00% is assessed in all years after Target Premium is reached under current assumptions on your policy. The Target Premium for your policy can be found in your contract, on page 4 of the Policy Specification pages and in the footer of this illustration.

2. A policy charge of $10.00 per month is assessed in all policy years.

3. The monthly coverage expense charge under guaranteed assumptions is $171.73 for years 1 through 20 and $0.00 thereafter. The monthly coverage expense charge under current assumptions is $156.18 for years 1 through 20 and $0.00 thereafter. These charges are calculated assuming that there are no Policy Changes; Policy Changes may change these charges. 4. The monthly cost of insurance is based on the insured’s illustrated risk class. This amount will vary depending on the

specifics of your policy. The monthly cost of insurance is calculated using a guaranteed rate or, for non-guaranteed values, the Company’s current rate if lower.

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Surrender Charges

There is a 15 year surrender charge which remains level for the first year and decreases monthly thereafter. The end of year full surrender charge for each of the 15 years from issue is respectively: $917, $881, $843, $804, $764, $688, $612, $535, $459, $382,

$306, $230, $153, $77 and $0. These charges are calculated assuming that there are no Policy Changes; Policy Changes may change these charges. During the surrender charge period, a surrender charge will apply upon surrender, lapse, a withdrawal that decreases the Face Amount, a change in Death Benefit Option that decreases the Face Amount and a requested decrease in Face Amount.

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A Word About Taxes

Life Insurance policies such as Metlife Premier Accumulator Universal Life must satisfy Section 7702 of the Internal Revenue Code (Code) utilizing one of two tests: the Guideline Premium/Cash Value Corridor Test (GPT) or the Cash Value Accumulation Test (CVAT). Each test, in its own way, has the effect of placing limits on a policy’s investment orientation. At issue, the policy owner must elect either the CVAT or the GPT test. Once elected, the test cannot be changed. If CVAT is elected, the Death Benefit payable on the death of the insured will never be less than the minimum amount necessary to cause the policy to meet the Cash Value Accumulation Test set forth in Section 7702(b) of the Code, as in effect on the date the policy was issued. If GPT is elected, the Death Benefit payable on the death of the insured will in no case be less than the minimum amount necessary to cause the policy to meet the Guideline Premium/Cash Value Corridor Test set forth in Section 7702(c) and (d) of the Code, as in effect on the date the policy was issued. Which test best fits a client's needs depends on the specific facts and circumstances of a case. This

illustration was run assuming Cash Value Accumulation Test was selected.

In order to receive favorable tax treatment under the Code on policy distributions,life insurance policy premiums must be within certain limits during the first 7 policy years and during the first 7 policy years after certain policy changes.

Distributions include surrender of policy values, policy loans or pledges to secure a loan. Failure to satisfy this limitation would cause the policy to become a Modified Endowment Contract (MEC) and cause distributions to be taxable (and possibly subject to a tax penalty if received before the recipient’s age 59 1/2) to the extent there is a gain (generally, Cash Value in excess of remaining basis) in the policy. As illustrated, based on the non-guaranteed charge and variable rate, this policy becomes a MEC in policy year 1.

Death Benefit Proceeds from this policy are generally received by the beneficiary income tax free, subject to certain transfer- for-value and other rules. In particular, in the case of a

business owned policy, the provisions of section 101 (j) of the Code may limit the amount of the Death Benefit excludable from gross income unless a specified exception applies and a notice and consent requirement is satisfied. Consult your tax advisor.

In most cases, you will not pay income taxes on Policy withdrawals until your cumulative withdrawn amounts exceed the cumulative premiums you have paid. If the Policy is a MEC, you will pay income taxes on loans and withdrawals to the extent of any gains (which is generally the excess of cash value over the premiums paid). In this case, an additional 10% penalty may also apply to recipients younger than 59 1/2. The death benefit may be subject to federal and state estate taxes, but your beneficiary will generally not be subject to federal income tax on the death benefit. As with any taxation matter, you should consult with, and rely on, the advice of your own tax advisor.

This illustration assumes a tax bracket of 28.00%

Please also note, if you surrender your policy, or if your policy lapses while loans are outstanding, income tax could be payable on borrowed amounts. Please consult your tax or legal advisor.

Any discussion of taxes is for general informational purposes only and does not purport to be complete or cover every situation. MetLife, its agents and representatives, may not give legal, tax or accounting advice and the foregoing discussion about taxes should not be construed as such. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.

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Interest Adjusted Indexes

These indexes provide a means for evaluating the comparative cost of the policy under stated assumptions. In computing the indexes, an assumed rate of interest is applied in averaging the premiums paid and benefits available over a stated period of time, taking into account the time value of money. They can be useful in comparing Universal Life coverages only if the same premium and death benefit are assumed for each policy being compared. A lower index is better than a higher one. Indexes are approximate because they involve assumptions, including the rate of interest used.

Interest Adjusted Indexes based on a 5.00% interest rate for the base policy:

GUARANTEED NON-GUARANTEED

End of 10 Yrs.

End of 20 Yrs.

End of 10 Yrs.

End of 20 Yrs.

Life Insurance Net Payment Cost Index $51.57 $31.95 $49.88 $30.12

Life Insurance Surrender Cost Index $19.65 $22.11 $7.59 $8.67

The difference between the total premiums paid and the cash value should not be used as the basis for determining policy cost.

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Premium Outlay columns below reflect the total of the annualized premium assumed to be paid during the policy year, less any values surrendered (partial withdrawals or force-outs), less any current loan, plus any loan interest paid out of pocket or any repayment of loans. This column assumes that premium payments are made as scheduled at the beginning of the modal period.

Based on Guarantees Only At the Midpoint Scale At the Current Scale

End of Premium

Outlay

Cash Surrender

Value

Death Benefit

Premium Outlay

Cash Surrender

Value

Death Benefit

Premium Outlay

Cash Surrender

Value

Death Benefit

Year 5 0 997,442 2,391,735 0 1,079,412 2,391,735 0 1,164,417 2,569,445

Year 10 0 1,008,179 2,391,735 0 1,189,306 2,391,735 0 1,380,884 2,639,337

Year 20 0 817,074 2,391,735 0 1,343,528 2,391,735 0 1,889,165 2,821,373

At Age 70 0 964,222 2,391,735 0 1,282,611 2,391,735 0 1,620,743 2,722,411

Total to Age 121 1,000,000 1,000,000 1,000,000

Based on Guarantees only, the policy would cease to be in force during policy year 28. At the Midpoint interest rate, the policy would cease to be in force during policy year 37.

Signatures

to change and could be either higher or lower. The Representative has told me that these elements are not guaranteed. I also understand the Riders that can be applied for on this policy, and all terms and conditions of these Riders have been explained to me. Further, I understand that this illustration was prepared using Cash Value Accumulation Test. I realize this policy offers a choice of Internal Revenue Code Section 7702 tests and both were explained to me.

This illustration may reflect future changes to the death benefit, the death benefit option, risk classifications or riders being terminated. It may also show future loans, withdrawals, and premium changes. These changes are included for illustrative purposes only. We will not process any policy changes until you request the change in writing. Please review your policy for details on when the changes will take effect.

Date (Applicant)

I certify that this illustration has been presented to the applicant in its entirety and that I have explained that any non-guaranteed elements illustrated are subject to change. I have made no statements that are inconsistent with the illustration.

Date (Representative)

Illustration Desk

MetLife Insurance Company USA

2801 Townsgate Rd., Suite 350, Westlake Village, California, 91361 Telephone: 800-350-2019

I have received a copy of this 19 page illustration and understand that any non-guaranteed elements illustrated are subject

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Column Definitions

Year

Year is the policy year. Age

Age is the age the insured has attained by the end of the policy year. The insured’s age is advanced by one year at the end of each policy year. The Age value is calculated by adding the corresponding Year value to the illustration issue age, identified in the illustration header as Age. The illustration issue age can be manually identified or automatically calculated based upon the insured’s birthdate and the illustration effective date. In the issue age calculation, a 360 day year is assumed; therefore, if the insured’s next birthday is 180 days or less from the illustration effective date, the

insured’s age on that next birthday becomes the issue age for the illustration purposes.

Planned Annual Premium Outlay

This column reflects the total of the annual out of pocket premiums net of any force-outs. It also includes any 1035 Exchange Amount or Lump Sum money received. Force-out is the money paid back to the policy owner so that the policy conforms to federal income tax guideline requirements for life insurance policies.

Guaranteed Values - Cash Value Column, Cash Surrender Value Column, and Death Benefit Column with Guaranteed Charges at a Guaranteed 2.00% Interest Rate

These columns are determined and illustrated using the guaranteed interest rate of 2.00% and Guaranteed Cost of Insurance rates and other charges.

Cash Value

The value of the policy at the end of the year, which is based upon the guaranteed interest rate, guaranteed insurance charges, and maximum expense and policy charges.

Cash Surrender Value

The amount available on surrender of this policy, at the end of the policy year. It includes the values under the base policy and any illustrated riders. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest, and any applicable surrender charges.

Death Benefit

The amount payable if the insured should die while this policy is in force, determined as of the date of death, at the end of the policy year. The amount shown reflects any illustrated

withdrawals, illustrated policy loans and loan interest.

Non-Guaranteed Values - Cash Value Column, Cash Surrender Value Column, and Death Benefits Column with Non-Guaranteed Charges at a Non-Guaranteed 4.45% Interest Rate

These columns are determined and illustrated in the same manner as explained above for their guaranteed counterparts except that the current interest rate of 4.45% is used and current cost of insurance rates, premium charge, and current expense and policy charges are used rather than guaranteed assumptions.

The non-guaranteed values shown in this illustration further assume that the illustrated interest rate, current cost of insurance rates, and expense and policy charges will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. The assumptions on which these values are based are subject to change by the insurer.

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Policy Values Ledger

Values Assume Guaranteed Charges and a Guaranteed 2.00% Interest Rate

Year Age

Planned Annual Premium

Outlay

Cash Value

Cash Surrender

Value

Death Benefit

1 56 1,000,000 969,089 968,172 2,414,815

2 57 0 977,458 976,578 2,391,735

3 58 0 985,058 984,215 2,391,735

4 59 0 992,020 991,216 2,391,735

5 60 0 998,206 997,442 2,391,735

6 61 0 1,003,405 1,002,717 2,391,735

7 62 0 1,007,339 1,006,728 2,391,735

8 63 0 1,009,666 1,009,131 2,391,735

9 64 0 1,010,127 1,009,669 2,391,735

10 65 0 1,008,561 1,008,179 2,391,735

11 66 0 1,004,777 1,004,471 2,391,735

12 67 0 998,650 998,421 2,391,735

13 68 0 990,041 989,888 2,391,735

14 69 0 978,648 978,571 2,391,735

15 70 0 964,222 964,222 2,391,735

16 71 0 946,027 946,027 2,391,735

17 72 0 923,423 923,423 2,391,735

18 73 0 894,932 894,932 2,391,735

19 74 0 859,783 859,783 2,391,735

20 75 0 817,074 817,074 2,391,735

21 76 0 767,620 767,620 2,391,735

22 77 0 707,847 707,847 2,391,735

23 78 0 635,286 635,286 2,391,735

24 79 0 546,666 546,666 2,391,735

25 80 0 437,807 437,807 2,391,735

26 81 0 304,059 304,059 2,391,735

27 82 0 138,543 138,543 2,391,735

28 83 0 0(*) 0(*) 0(*)

29 84 0 0(*) 0(*) 0(*)

30 85 0 0(*) 0(*) 0(*)

1,000,000 NOTES: Please see important notes on page 11

This report is not valid unless accompanied by all pages.

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Policy Values Ledger

Year Age

Outlay

Cash Value

Cash Surrender

Value

Death Benefit

31 86 0 0(*) 0(*) 0(*)

32 87 0 0(*) 0(*) 0(*)

33 88 0 0(*) 0(*) 0(*)

34 89 0 0(*) 0(*) 0(*)

35 90 0 0(*) 0(*) 0(*)

36 91 0 0(*) 0(*) 0(*)

37 92 0 0(*) 0(*) 0(*)

38 93 0 0(*) 0(*) 0(*)

39 94 0 0(*) 0(*) 0(*)

40 95 0 0(*) 0(*) 0(*)

41 96 0 0(*) 0(*) 0(*)

42 97 0 0(*) 0(*) 0(*)

43 98 0 0(*) 0(*) 0(*)

44 99 0 0(*) 0(*) 0(*)

45 100 0 0(*) 0(*) 0(*)

46 101 0 0(*) 0(*) 0(*)

47 102 0 0(*) 0(*) 0(*)

48 103 0 0(*) 0(*) 0(*)

49 104 0 0(*) 0(*) 0(*)

50 105 0 0(*) 0(*) 0(*)

51 106 0 0(*) 0(*) 0(*)

52 107 0 0(*) 0(*) 0(*)

53 108 0 0(*) 0(*) 0(*)

54 109 0 0(*) 0(*) 0(*)

55 110 0 0(*) 0(*) 0(*)

56 111 0 0(*) 0(*) 0(*)

57 112 0 0(*) 0(*) 0(*)

58 113 0 0(*) 0(*) 0(*)

59 114 0 0(*) 0(*) 0(*)

60 115 0 0(*) 0(*) 0(*)

1,000,000 NOTES: Please see important notes on page 11

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Policy Values Ledger

Year Age

Outlay

Cash Value

Cash Surrender

Value

Death Benefit

61 116 0 0(*) 0(*) 0(*)

62 117 0 0(*) 0(*) 0(*)

63 118 0 0(*) 0(*) 0(*)

64 119 0 0(*) 0(*) 0(*)

65 120 0 0(*) 0(*) 0(*)

66 121 0 0(*) 0(*) 0(*)

67 122 0 0(*) 0(*) 0(*)

68 123 0 0(*) 0(*) 0(*)

69 124 0 0(*) 0(*) 0(*)

70 125 0 0(*) 0(*) 0(*)

1,000,000

NOTES: (1) Cash Surrender Value and Death Benefit columns reflect withdrawals, any outstanding loans and any loan interest due.

(2) 0(*)First appearing in value or benefit columns shows the year that your policy will lapse based on the premium shown, the indicated rate of return, and the applicable cost of insurance rates and other charges, unless a higher premium is paid.

(3) Totals do not take into account that, because of inflation and interest, a dollar in the future may have less value than a dollar today.

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Policy Values Ledger

Values Assume Non-Guaranteed Charges and a Non-Guaranteed 4.45% Interest Rate

Year Age

Outlay

Cash Value

Cash Surrender

Value

Death Benefit

1 56 1,000,000 999,365 998,448 2,490,258

2 57 0 1,039,589 1,038,709 2,510,898

3 58 0 1,080,888 1,080,045 2,531,634

4 59 0 1,122,614 1,121,810 2,550,972

5 60 0 1,165,181 1,164,417 2,569,445

6 61 0 1,208,227 1,207,539 2,586,438

7 62 0 1,251,350 1,250,739 2,601,445

8 63 0 1,294,396 1,293,862 2,614,629

9 64 0 1,337,571 1,337,113 2,626,922

10 65 0 1,381,266 1,380,884 2,639,337

11 66 0 1,426,533 1,426,227 2,653,765

12 67 0 1,472,961 1,472,732 2,669,270

13 68 0 1,520,765 1,520,612 2,685,975

14 69 0 1,570,070 1,569,994 2,703,802

15 70 0 1,620,743 1,620,743 2,722,411

16 71 0 1,672,667 1,672,667 2,741,401

17 72 0 1,725,706 1,725,706 2,760,870

18 73 0 1,779,692 1,779,692 2,780,645

19 74 0 1,834,229 1,834,229 2,800,923

20 75 0 1,889,165 1,889,165 2,821,373

21 76 0 1,946,387 1,946,387 2,844,645

22 77 0 2,004,161 2,004,161 2,868,074

23 78 0 2,062,513 2,062,513 2,891,726

24 79 0 2,120,796 2,120,796 2,915,034

25 80 0 2,178,425 2,178,425 2,937,693

26 81 0 2,250,929 2,250,929 2,980,725

27 82 0 2,323,898 2,323,898 3,024,414

28 83 0 2,397,061 2,397,061 3,068,813

29 84 0 2,470,211 2,470,211 3,113,454

30 85 0 2,543,143 2,543,143 3,158,075

1,000,000

Refer to the guaranteed ledger starting on page 9 for any guaranteed components of the policy.

*For rates, see Variable Rate Schedule in Variable Information section. NOTES: Please see important notes on page 14

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Policy Values Ledger

Year Age

Outlay

Cash Value

Cash Surrender

Value

Death Benefit

31 86 0 2,624,230 2,624,230 3,213,160

32 87 0 2,705,839 2,705,839 3,269,438

33 88 0 2,788,293 2,788,293 3,327,633

34 89 0 2,872,361 2,872,361 3,388,927

35 90 0 2,958,196 2,958,196 3,453,634

36 91 0 3,045,470 3,045,470 3,521,446

37 92 0 3,134,072 3,134,072 3,592,336

38 93 0 3,224,014 3,224,014 3,665,284

39 94 0 3,315,166 3,315,166 3,740,137

40 95 0 3,407,951 3,407,951 3,817,450

41 96 0 3,503,102 3,503,102 3,898,251

42 97 0 3,601,523 3,601,523 3,983,753

43 98 0 3,704,275 3,704,275 4,074,035

44 99 0 3,811,889 3,811,889 4,169,673

45 100 0 3,924,810 3,924,810 4,271,449

46 101 0 4,043,243 4,043,243 4,379,964

47 102 0 4,167,083 4,167,083 4,496,074

48 103 0 4,296,473 4,296,473 4,617,505

49 104 0 4,431,478 4,431,478 4,744,385

50 105 0 4,572,155 4,572,155 4,876,752

51 106 0 4,718,579 4,718,579 5,014,717

52 107 0 4,870,882 4,870,882 5,158,313

53 108 0 5,029,219 5,029,219 5,307,737

54 109 0 5,193,747 5,193,747 5,463,146

55 110 0 5,364,557 5,364,557 5,624,792

56 111 0 5,541,606 5,541,606 5,792,973

57 112 0 5,682,287 5,682,287 5,924,523

58 113 0 5,823,612 5,823,612 6,061,623

59 114 0 5,959,961 5,959,961 6,203,485

60 115 0 6,090,105 6,090,105 6,338,825

1,000,000

*For rates, see Variable Rate Schedule in Variable Information section. NOTES: Please see important notes on page 14

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Policy Values Ledger

Year Age

Outlay

Cash Value

Cash Surrender

Value

Death Benefit

61 116 0 6,213,366 6,213,366 6,466,685

62 117 0 6,330,183 6,330,183 6,587,125

63 118 0 6,443,071 6,443,071 6,701,438

64 119 0 6,558,032 6,558,032 6,812,221

65 120 0 6,688,513 6,688,513 6,923,614

66 121 0 6,865,938 6,865,938 7,040,676

67 122 0 7,171,474 7,171,474 7,243,189

68 123 0 7,490,606 7,490,606 7,565,512

69 124 0 7,823,940 7,823,940 7,902,179

70 125 0 8,172,107 8,172,107 8,253,828

1,000,000

*For rates, see Variable Rate Schedule in Variable Information section.

NOTES: (1) Cash Surrender Value and Death Benefit columns reflect withdrawals, any outstanding loans and any loan interest due. (2) Coverage continues for the lifetime of the insured as long as sufficient premiums are paid.

(3) Totals do not take into account that, because of inflation and interest, a dollar in the future may have less value than a dollar today.

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Internal Rate of Return

This supplemental illustration computes the rate of return that must be earned on an after-tax basis, each year, on the Net After Tax Outlay shown in order to equal the total cash surrender value and death benefit payable at the death of the insured.

COLUMN DESCRIPTIONS

Year

Year is the policy year. Age

Age is the age the insured has attained by the end of the policy year. The insured’s age is advanced by one year at the end of each policy year. The Age value is calculated by adding the corresponding Year value to the illustration issue age, identified in the illustration header as Age. The illustration issue age can be manually identified or automatically calculated based upon the insured’s birthdate and the

illustration effective date. In the issue age calculation, a 360 day year is assumed; therefore, if the insured’s next birthday is 180 days or less from the illustration effective date, the

insured’s age on that next birthday becomes the issue age for the illustration purposes.

Net After Tax Outlay

Your Annual Contract Premium, including any 1035 Exchange or Lump Sum money received, minus surrenders and loans, plus any loan repayments, loan interest paid and estimated taxes due based on owner’s tax bracket of 28.00%. Any loans or surrenders will reduce the policy’s Cash Value and Death Benefit. Any negative values shown in this column reflect values being paid to you.

Cash Surrender Value at 2.00% Guaranteed with Guaranteed Charges

The amount available on surrender of this policy at the end of the policy year. It includes the values under the base policy and any illustrated riders. The amount shown reflects any

illustrated withdrawals, illustrated policy loans and loan interest, and any applicable surrender charges.

Internal Rate of Return on Cash Surrender Value at 2.00% Guaranteed with Guaranteed Charges

This is the rate of return, compounded annually, that would have to be earned on the Net After Tax Outlay in order to

accumulate an amount equal to the life insurance policy’s cash surrender value under guaranteed assumptions. Taxes may be due if you take withdrawals from this policy.

Tax Equivalent Yield on Cash Surrender Value at 2.00% Guaranteed with Guaranteed Charges

This is the rate of return, compounded annually, that would have to be earned on a taxable investment equivalent to the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy's cash value under guaranteed assumptions. Cash value loans and withdrawals may be subject to tax depending on the circumstances. Therefore, this does not take into account any tax that may be due if you access cash value from this policy in any given year or upon lapse or surrender of the policy. Tax rate used is owner's tax bracket indicated in A Word About Taxes.

Death Benefit at 2.00% Guaranteed with Guaranteed Charges

End of year amount payable if the insured dies while the life insurance policy is in force. It includes the death benefit under the base policy and any illustrated riders on the life of the insured. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest. Internal Rate of Return on Death Benefit at 2.00% Guaranteed with Guaranteed Charges

This is the rate of return, compounded annually, that would have to be earned on the Net After-Tax Outlay in order to accumulate an amount equal to the life insurance policy's Death Benefit under guaranteed assumptions.

Tax Equivalent Yield on Death Benefit at 2.00% Guaranteed with Guaranteed Charges

This is the rate of return, compounded annually, that would have to be earned on a taxable investment equivalent to the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy’s death benefit under guaranteed This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy Values Ledger for policy guarantees and other important information.

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assumptions. Cash value loans and withdrawals may be subject to tax depending on the circumstances. Therefore, this does not take into account any tax that may be due if you access cash value from this policy in any given year or upon lapse or surrender of the policy. Tax rate used is owner’s tax bracket indicated in A Word About Taxes.

Cash Surrender Value at 4.45% Non-Guaranteed Hypothetical with Non-Guaranteed Charges

The amount available on surrender of this policy at the end of the policy year. It includes the values under the base policy and any illustrated riders. The amount shown reflects any

illustrated withdrawals, illustrated policy loans and loan interest, and any applicable surrender charges.

Internal Rate of Return on Cash Surrender Value at 4.45% Non-Guaranteed Hypothetical with Non- Guaranteed Charges

This is the rate of return, compounded annually, that would have to be earned on the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy’s cash surrender under current assumptions. Taxes may be due if you take withdrawals from this policy.

Tax Equivalent Yield on Cash Surrender Value at 4.45% Non-Guaranteed Hypothetical with Non-Guaranteed Charges

This is the rate of return, compounded annually, that would have to be earned on a taxable investment equivalent to the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy's cash value under current

assumptions. Cash value loans and withdrawals may be subject to tax depending on the circumstances. Therefore, this does not take into account any tax that may be due if you access cash value from this policy in any given year or upon lapse or surrender of the policy. Tax rate used is owner's tax bracket indicated in A Word About Taxes.

Death Benefit at 4.45% Non-Guaranteed Hypothetical with Non-Guaranteed Charges

End of year amount payable if the insured dies while the life insurance policy is in force. It includes the death benefit under the base policy and any illustrated riders on the life of the insured. The amount shown reflects any illustrated withdrawals, illustrated policy loans and loan interest.

Internal Rate of Return on Death Benefit at 4.45% Non- Guaranteed Hypothetical with Non-Guaranteed Charges This is the rate of return, compounded annually, that would have to be earned on the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy's Death Benefit under current assumptions.

Tax Equivalent Yield on Death Benefit at 4.45% Non- Guaranteed Hypothetical with Non-Guaranteed Charges This is the rate of return, compounded annually, that would have to be earned on a taxable investment equivalent to the Net After Tax Outlay in order to accumulate an amount equal to the life insurance policy’s death benefit under current assumptions. Cash value loans and withdrawals may be subject to tax depending on the circumstances. Therefore, this does not take into account any tax that may be due if you access cash value from this policy in any given year or upon lapse or surrender of the policy. Tax rate used is owner’s tax bracket indicated in A Word About Taxes.

This is a supplemental life insurance illustration and is not valid unless accompanied by all pages and a basic illustration. Please refer to the Policy Values Ledger for policy guarantees and other important information.

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Internal Rate of Return

2.00% Guaranteed with Guaranteed Charges 4.45% Non-Guaranteed Hypothetical with Non-Guaranteed Charges

Year Age Net After Tax Outlay

Cash Surrender

Value

IRR On Cash Surrender

Value**

Tax Equivalent

Yield On Cash Surrender

Value

Death Benefit

IRR On Death Benefit

Tax Equivalent

Yield On Death Benefit

Cash Surrender

Value

Tax Equivalent

Value

Death Benefit

Tax Equivalent

Yield On Death Benefit 1 56 1,000,000 968,172 -3.18 N/A 2,414,815 141.48 196.50 998,448 -0.16 N/A 2,490,258 149.03 206.98

2 57 0 976,578 -1.18 N/A 2,391,735 54.65 75.91 1,038,709 1.92 2.66 2,510,898 58.46 81.19

3 58 0 984,215 -0.53 N/A 2,391,735 33.73 46.85 1,080,045 2.60 3.61 2,531,634 36.29 50.40

4 59 0 991,216 -0.22 N/A 2,391,735 24.36 33.83 1,121,810 2.92 4.05 2,550,972 26.38 36.64

5 60 0 997,442 -0.05 N/A 2,391,735 19.05 26.46 1,164,417 3.09 4.29 2,569,445 20.77 28.85

6 61 0 1,002,717 0.05 0.06 2,391,735 15.64 21.73 1,207,539 3.19 4.43 2,586,438 17.16 23.83

7 62 0 1,006,728 0.10 0.13 2,391,735 13.27 18.43 1,250,739 3.25 4.51 2,601,445 14.63 20.33

8 63 0 1,009,131 0.11 0.16 2,391,735 11.52 16.00 1,293,862 3.27 4.55 2,614,629 12.77 17.73

9 64 0 1,009,669 0.11 0.15 2,391,735 10.17 14.13 1,337,113 3.28 4.56 2,626,922 11.33 15.73

10 65 0 1,008,179 0.08 0.11 2,391,735 9.11 12.66 1,380,884 3.28 4.56 2,639,337 10.19 14.16

11 66 0 1,004,471 0.04 0.06 2,391,735 8.25 11.46 1,426,227 3.28 4.56 2,653,765 9.28 12.89

12 67 0 998,421 -0.01 N/A 2,391,735 7.54 10.47 1,472,732 3.28 4.55 2,669,270 8.53 11.84

13 68 0 989,888 -0.08 N/A 2,391,735 6.94 9.64 1,520,612 3.28 4.55 2,685,975 7.90 10.97

14 69 0 978,571 -0.15 N/A 2,391,735 6.43 8.93 1,569,994 3.27 4.55 2,703,802 7.36 10.23

15 70 0 964,222 -0.24 N/A 2,391,735 5.99 8.31 1,620,743 3.27 4.54 2,722,411 6.90 9.59

16 71 0 946,027 -0.35 N/A 2,391,735 5.60 7.78 1,672,667 3.27 4.54 2,741,401 6.51 9.04

17 72 0 923,423 -0.47 N/A 2,391,735 5.26 7.31 1,725,706 3.26 4.53 2,760,870 6.16 8.55

18 73 0 894,932 -0.61 N/A 2,391,735 4.96 6.89 1,779,692 3.25 4.52 2,780,645 5.85 8.12

19 74 0 859,783 -0.79 N/A 2,391,735 4.70 6.52 1,834,229 3.24 4.51 2,800,923 5.57 7.74

20 75 0 817,074 -1.01 N/A 2,391,735 4.46 6.19 1,889,165 3.23 4.49 2,821,373 5.32 7.39

21 76 0 767,620 -1.25 N/A 2,391,735 4.24 5.89 1,946,387 3.22 4.48 2,844,645 5.10 7.09

22 77 0 707,847 -1.56 N/A 2,391,735 4.04 5.62 2,004,161 3.21 4.46 2,868,074 4.91 6.81

23 78 0 635,286 -1.95 N/A 2,391,735 3.86 5.37 2,062,513 3.20 4.44 2,891,726 4.72 6.56

24 79 0 546,666 -2.48 N/A 2,391,735 3.70 5.14 2,120,796 3.18 4.42 2,915,034 4.56 6.33

25 80 0 437,807 -3.25 N/A 2,391,735 3.55 4.93 2,178,425 3.16 4.39 2,937,693 4.40 6.12

26 81 0 304,059 -4.48 N/A 2,391,735 3.41 4.74 2,250,929 3.17 4.40 2,980,725 4.29 5.96

27 82 0 138,543 -7.06 N/A 2,391,735 3.28 4.56 2,323,898 3.17 4.41 3,024,414 4.18 5.81

28 83 0 0 0 0 0 2,397,061 3.17 4.40 3,068,813 4.09 5.67

29 84 0 0 0 0 0 2,470,211 3.17 4.40 3,113,454 3.99 5.55

30 85 0 0 0 0 0 2,543,143 3.16 4.39 3,158,075 3.91 5.43

1,000,000

NOTES: Please see important notes on page 19

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Internal Rate of Return

2.00% Guaranteed with Guaranteed Charges 4.45% Non-Guaranteed Hypothetical with Non-Guaranteed Charges

Year Age Net After Tax Outlay

Cash Surrender

Value

Value**

Tax Equivalent

Value

Death Benefit

Tax Equivalent

Cash Surrender

Value

Tax Equivalent

Value

Death Benefit

Tax Equivalent

31 86 0 0 0 0 0 2,624,230 3.16 4.39 3,213,160 3.84 5.33

32 87 0 0 0 0 0 2,705,839 3.16 4.39 3,269,438 3.77 5.24

33 88 0 0 0 0 0 2,788,293 3.16 4.38 3,327,633 3.71 5.15

34 89 0 0 0 0 0 2,872,361 3.15 4.38 3,388,927 3.65 5.08

35 90 0 0 0 0 0 2,958,196 3.15 4.37 3,453,634 3.60 5.01

36 91 0 0 0 0 0 3,045,470 3.14 4.36 3,521,446 3.56 4.94

37 92 0 0 0 0 0 3,134,072 3.14 4.35 3,592,336 3.52 4.88

38 93 0 0 0 0 0 3,224,014 3.13 4.35 3,665,284 3.48 4.83

39 94 0 0 0 0 0 3,315,166 3.12 4.33 3,740,137 3.44 4.78

40 95 0 0 0 0 0 3,407,951 3.11 4.32 3,817,450 3.41 4.73

41 96 0 0 0 0 0 3,503,102 3.10 4.31 3,898,251 3.37 4.69

42 97 0 0 0 0 0 3,601,523 3.10 4.30 3,983,753 3.35 4.65

43 98 0 0 0 0 0 3,704,275 3.09 4.29 4,074,035 3.32 4.61

44 99 0 0 0 0 0 3,811,889 3.09 4.29 4,169,673 3.30 4.58

45 100 0 0 0 0 0 3,924,810 3.09 4.28 4,271,449 3.28 4.55

46 101 0 0 0 0 0 4,043,243 3.08 4.28 4,379,964 3.26 4.53

47 102 0 0 0 0 0 4,167,083 3.08 4.28 4,496,074 3.25 4.51

48 103 0 0 0 0 0 4,296,473 3.08 4.28 4,617,505 3.24 4.50

49 104 0 0 0 0 0 4,431,478 3.08 4.28 4,744,385 3.23 4.48

50 105 0 0 0 0 0 4,572,155 3.09 4.29 4,876,752 3.22 4.47

51 106 0 0 0 0 0 4,718,579 3.09 4.29 5,014,717 3.21 4.46

52 107 0 0 0 0 0 4,870,882 3.09 4.29 5,158,313 3.21 4.45

53 108 0 0 0 0 0 5,029,219 3.09 4.30 5,307,737 3.20 4.44

54 109 0 0 0 0 0 5,193,747 3.10 4.30 5,463,146 3.19 4.44

55 110 0 0 0 0 0 5,364,557 3.10 4.31 5,624,792 3.19 4.43

56 111 0 0 0 0 0 5,541,606 3.10 4.31 5,792,973 3.19 4.43

57 112 0 0 0 0 0 5,682,287 3.09 4.30 5,924,523 3.17 4.40

58 113 0 0 0 0 0 5,823,612 3.08 4.28 6,061,623 3.16 4.38

59 114 0 0 0 0 0 5,959,961 3.07 4.27 6,203,485 3.14 4.36

60 115 0 0 0 0 0 6,090,105 3.06 4.25 6,338,825 3.13 4.34

1,000,000

NOTES: Please see important notes on page 19