New Extended Family Funeral Benefit (29) - EFFB V2.1

8/6/2019 New Extended Family Funeral Benefit (29) - EFFB V2.1

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BOTSWANA LIFE INSURANCE LIMITED

PRODUCT INDEXPRODUCT_ABBREVIATION PRODUCT_NAME DESCRIPTION

Disclaimer

Author: Keaobaka Ramolemoge

Checked by: Subhashini Ganapathy

Reviewed by: Philip van Rooijen

Revision History

Version No Revision Comments Date of Release

2.1 17-Jun-10

ULP1-29 NEW EXTENDED FUNERAL BENEFITThis product provides funeral cover for theextended family of the insured.

NOTE: The purpose of this document is to provide the necessary specifications for initial product set-up. The details containedin this document are subject to change by Botswana Life Insurance when need arises. Detailed Claim and Amendment

Business rule, if required, will be sent separately.

MAIN PAGE: Added Renewal, Risk andAcquisition expenses


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Revised by

baka Ramolemoge


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General Setup in EBAO SystemPRODUCT_ABBREVIATION ULP1-29PRODUCT_NAME NEW EXTENDED FAMILY FUNERAL BENEFITSTART_DATE 01-Jan-02MANDATORY_PROD_YES_NO NoPRODUCT_CATEGORY RIDERPRODUCT_CATEGORY_DESC RIDER BENEFIT ON INVESTMENT PRODUCT

PREMIUM TYPE RECURRINGPREMIUM PAYMENT TERM TERM OF THE POLICY

PREMIUM PAYMENT METHOD MORE THAN ONE METHOD

OFFICE_PREMIUM_RATE_TABLE

COMM_CALCULATION Use FormulaCOMMISSION_BASIS UpfrontSALES_CHANNEL BLIL Agents and BrokersSINGLE_OR_JOINT_LIFE SingleCoverage Yes

Underwriting Rules NoWaiting Period Yes

EXPENSESCharge1Charge type

Fee Source Deduct from premiumCalculation Base policy levelFollow Premium Frequency YesCharge Frequency monthlyDeduct Order 4Deduct Mode By Order

Calculation Basis FormulaCharge2Charge type

Fee Source Deducted from fund at offer priceCalculation Base policy levelFollow Premium Frequency YesCharge FrequencyDeduct Order 2Deduct Mode By Order Calculation Basis FormulaCharge3Charge type

Fee Source Deducted from fund at offer priceCalculation Base policy levelFollow Premium Frequency YesCharge Frequency monthlyDeduct Order 3Deduct Mode By Order Calculation Basis FormulaCharge4Charge typeFee Source Deducted from fund at offer priceCalculation Base policy levelFollow Premium Frequency NoCharge Frequency

Deduct Order 1Deduct Mode By Order Calculation Basis Formula

EFB2

Home

Home

Home

Home


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Premium Calculation for Life Cover

Liability 1

Liablity Category Death

Liability Name DeathLiability Evaluation Formula Inforce SA

CS ALLOWED RULE_VALUEDECREASE IN EFFB UNITS YINCREASE IN EFFB UNITS YDELETING DEPENDANT YADDITION OF DEPENDANT YNEW BUSINESS RULES RULE_VALUE

RENEWAL_MARGINAL_CUTOFF NA

RENEWAL_BASIC_RATE NARENEWAL_BASIC_RATE NARENEWAL_EXCESS_RATE NAMIN_ACQ_EXPENSE_DOC NAMAX_ACQ_EXPENSE_DOC NAMIN_ACQ_EXPENSE_POST_DOC NAMAX_ACQ_EXPENSE_POST_DOC NAACQ_EXPENSE_FACTOR NAINVESTMENT_ALLOWED NFEMALE_AGE_ADJ NAMALE_AGE_ADJ NASMOKER_AGE_ADJ NAINCOME_AGE_ADJ NA

EDUCATION_AGE_ADJ NAMARRIAGE_AGE_ADJ NA

MAX_TERMINATION_AGE 65 - Main life after which the policy terminatesMIN_AGE_AT_ENTRY 0 - Child and Extended Family, 16 - Spouse and ParentsMAX_AGE_AT_ENTRY 65 - Main life after which the policy terminates, 85 - CovereMINIMUM_COVER 1000MAXIMUM_COVER 7000MINIMUM_PREMIUM NAMINIMUM_TERM 1COVERED_PERSON_REQUIRED_YN YALLOWED_NUM_OF_COVERED_PERSON 20Payment Method Allowed

Payemt Allowed Payment Frequency for Related Payment MethodCash 0-NAdirect debit 4-MonthlyEmployee Stop Order 4-MonthlyCheque 0-NAGovernment Stop Order 4-Monthly

Home

Premium Formula

Home

Home


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Comments/Detail Situation

Pure Risk

Rider Benefit

Refer to Payment Method Allowed table in the same sheet

Bid price = Offer price

Follows the Premium Frequency



RATE TABLE BASED; COVER AMOUNT & NO.OF.COVERED PERSON

Commission is paid to intermediary at each policy rider product level but expensed at main product level; so that if rider is terminated the main product commission is stillcontinued to be paid.

This product provides funeral cover for the extended family

of the insured.

6 months for each person added except for AccidentalDeath

Formula Home

Commissions

Formula HomeRenewal Expense (PolicyActivation, Premium Increase)

Formula Home

Risk Charge Calculation

Formula HomeAcquisition

This expense is charged at Policy activation and any typeof Premium Increase
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Inforce SA = value of cover units

CAN THESE CS BE BACKDATED

COMMENTS

same as abovesame as abovesame as abovesame as abovesame as abovesame as abovesame as abovesame as above

RELATION_CATEGORY_CODE MINIMUM_AGE MAXIMUM_AGEpersons SPO 16 85

DCH 0 85PAR 20 85EFA 0 85

Formula Home

Formula HomeThis is Rider benefit of Investment Product so only oneclaim type is allowed

Uses Same Parameters as Main Product ULP11 and thisrider product premium is included with Main ProductPremium during calculation of this charges at Policy Level

Termination age for other members = Insured's Ext Familyare covered up to the date on which the insured attainsthe age of 65; or would have attained the age of 65 shouldthe insured have died before then;or the date on which thepolicy matures,whichever occurs first

Formula Home


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Premium CalculationFormula(s)

Commission Expense Calculation @ ActivationFormula(s)

CONSTANTS USED FOR COMMISSION CALCULATIONDOC

ANB

T

N

P

APIPF

F

CF

CP

Formula(s)

Apply VAT

If the intermediary is paid annually in advance then:

POLICY_NUMBER

ACCOUNTING_DATE

TRANSACTION_CODE

PREMIUM_AMOUNT

INTEREST_CHARGESACQUISITION_CHARGES

RENEWAL_CHARGES

RISK_CHARGES

Step 1 : Find office premium rate for rated age @ commencement

Step 2: Calculate Premium for Sum assured requested

Premium Factor

- Calculate the total commission to be charged on the policy.- Calculate the monthly charge for the first and second year.

TEXPTB

TBEXP

NMINNMAXANBMAX

P BAPIBAPIMAX

CP MAX

C n

Step1 : APIB = P B x PF

Step2 : CP B = MIN ( [CF x NRP ] , CP MAX )

Step3 : Total Commission charge, TCB = (API B x CP B) x 4 / 3

First year monthly charge, C1 = TC B / 16

Second year monthly charge, C2 = TC B / 48 = C1 / 3

I = Intermediary Annual Payment Factor = 0.9525E1 = C 1 x 12 x I


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COMMISSION_CHARGES

INVESTED_AMOUNT

CLOSING_BOD_AMOUNT

Risk Charges (RsE) for Rider BenefitFormula(s)

The risk charges are dependant on the Policy Value

Risk Charge @ commencement

Risk Charge @ first year Anniversary

Risk Charge @ commencement + Loading Premium

ACQUISTION CHARGE @ POLICY LEVEL DURING COMMENCEMENTThe acquisition expense at commencement of policy is determined by the folloTerm of the policy

PremiumCommissionable rateRecurring or Single premiumCONSTANTS USED FOR ACQUISTION CALCULATIONIf Commencement Date of policy < 01-SEP-2000

AEC

T

N

ANB

FORMULA

Example 2:

Renewal (RE) @ Policy LevelConstants Used For Renewal Expense CalculationP

Effective 01-APR-2002

AEMINDOC

AEMAXDOC

If Commencement Date of policy 01-SEP-2000AEMIN

DOC

AEMAXDOC

AEMINAEMAXAEf MAX

RP

NMINNMAX

ANBMAX

Step 1 : Calculation Commissionable Term = N

Step 2: y = min[ AEfMAX , AEC *min( N , NMAX )]

Step 3: AEt=0 = max [ AEMINDOC , min [AEMAXDOC , (API * yRP )] ]

P B

RE NRE MRE COM

RE N


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FORMULA STEPS

Step 2 :Else,

Step 3:

Step 1 : IF P


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Formula Example

Premium = sum(Office rate)

If Pay Freq > 0 then Premium = Premium * 12 / Payment Freq;

Premium = round(Premium * Premium_Factor/100,2);

Formula Example

Date of Commencement of Policy

Actual age next birthday at DOC

Policy Term (years)Expired term of policy in years

Benefit Term (years)

Expired benefit term in months

Commissionable Term

Minimum Commissionable Term Constant = 10

Maximum Commissionable Term Constant = 26.15385

Maximum Annualised Premium Income (at any time in past)

Policy Payment Frequency

Commission charging frequency in months = 12

Commission factor = 0.0325 0.03Maximum commission percentage = 0.85 0.85

Monthly commission charge to policy holder

Formula Example 1129 * 12 1740

0.81

1680 / 0.8125 * (4/3) 1885

117.81

39.27

129.59

1481.26

21252222

1-Feb-03

PD

145

0377

13.7

34.65

Main Page Formula Home

Office Rate = Lookup Rate from Office rate table for each coveredperson's entry age & cover level / Office Scaling Factor


Maximum Commissionable Age Constant = 75

Monthly policy premium

Monthly benefit premiumAnnualised Premium Income (for benefit) = P B * PF

Annualised Premium Income (for Policy) = P * PF

Commission Percentage

CP B = MIN( [3.25% x NRP ] , 0.85 )


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129.59

0

-409.94

Formula

Premium = sum(Risk rate)

If Pay Freq > 0 then Premium = Premium * 12 / Payment Freq;

Premium = round(Premium * Premium_Factor/100,2);

ing parameters:

EvaluationRefer to Product Rules in Main Page for latest Values

0.27

0.01

Term in Years

10

26.15

75

Actual age next birthday at DOC

N = min [ T, max (Nmin, 75 - ANB) ] 25y = min [ 1/3.75 , 13/1500 * min( N , 26.1583) ] 0.22

AE = max [ 200, min ( 550 , API * y) ] 377

Example145NA

0.06Marginal Renewal Expense percentage = 0.01 0.01Marginal Cutoff for Renewal Expenses= 500 500

Normal Renewal Expense percentage = 0.06


Risk Rate = Lookup Rate from BOD rate table for each coveredperson's AGE NEXT BIRTHDAY & cover level / Risk Scaling Factor

SINCE THE TERMINATION AGE OF THE COVEREDPERSONS IS DEPENDANT ON THE TERMINATION AGEOF MAIN LIFE , USE RATED AGE 85 FOR COVEREDPERSONS WHOSE ATTAINED AGE IS GREATER THAN 85



Minimum Acquisition expense = 175

Maximum Acquisition expense = 500

Minimum Acquisition expense = 200

Maximum Acquisition expense = 550

Minimum Acquisition expense after DOC = 100

Maximum Acquisition expense after DOC = 250

Maximum Acquisition % of commissionable term= 1/3.75

Recurring Premium Acquisition factor = 13/1500

Minimum Commissionable Term Constant = 10

Maximum Commissionable Term Constant = 26.15385

min [ T, max( NMIN, ANBMAX - ANB) ]

Maximum Commissionable Age Constant = 75



Monthly policy premium

Monthly benefit premium

Normal Renewal Expense percentage = 0.05 (if DOC < 01-Jan-2002)else R.E.% = 0.06
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FORMULA Evaluation (Example 1)8.7

RE= RE + Policy Fee 13.7

RE = P * RE NRE = [ (P RE COM )* RE M ] + [RE COM * RE N]


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POLICY_NUMBER PRODUCT_CODE Date of Commencement PREMIUM_AMOUNT Term Age Of INS

21252222 ULP11 1-Feb-03 100 25 39

21252222 ULP129 1-Feb-03 45145Age Cover Amount Relation

24 1000 SISTER 4.529 1000 BROTHER 530 1000 BROTHER 540 1000 SISTER 5.550 1000 SISTER 866 1000 MOTHER 17

45

ALL THE COVEREDPERSONS HAVE THESAME COVER LEVELPER POLICY


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Age Cover Amount Relation

24 1000 SISTER 3.47

29 1000 BROTHER 3.8530 1000 BROTHER 3.8540 1000 SISTER 4.2450 1000 SISTER 6.1666 1000 MOTHER 13.09

34.66


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API

1740


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RATE_TABLE_CODE EFB2

RATE_TABLE_DESC NEW EFFB

IS RATE TERM BASED NO

IS RATE AGE BASED YES (RATEG AGE)

IS RATE COVER_BASED YES

GENDER_BASED NOOFFICE_SCALING_FACTOR 1

RISK_SCALING_FACTOR 1

Monthly RatesRATE_TABLE_NAME RATE_FIRST_DATE RATED_AGE COVER_LEVEL

EFB2 9/1/2000 1.0 1000.00

EFB2 9/1/2000 2.0 1000.00

EFB2 9/1/2000 3.0 1000.00

EFB2 9/1/2000 4.0 1000.00

EFB2 9/1/2000 5.0 1000.00

EFB2 9/1/2000 6.0 1000.00

EFB2 9/1/2000 7.0 1000.00

EFB2 9/1/2000 8.0 1000.00

EFB2 9/1/2000 9.0 1000.00

EFB2 9/1/2000 10.0 1000.00

EFB2 9/1/2000 11.0 1000.00

EFB2 9/1/2000 12.0 1000.00

EFB2 9/1/2000 13.0 1000.00

EFB2 9/1/2000 14.0 1000.00

EFB2 9/1/2000 15.0 1000.00

EFB2 9/1/2000 16.0 1000.00

EFB2 9/1/2000 17.0 1000.00

EFB2 9/1/2000 18.0 1000.00

EFB2 9/1/2000 19.0 1000.00

EFB2 9/1/2000 20.0 1000.00

EFB2 9/1/2000 21.0 1000.00

EFB2 9/1/2000 22.0 1000.00

EFB2 9/1/2000 23.0 1000.00

EFB2 9/1/2000 24.0 1000.00

EFB2 9/1/2000 25.0 1000.00

EFB2 9/1/2000 26.0 1000.00

EFB2 9/1/2000 27.0 1000.00

EFB2 9/1/2000 28.0 1000.00

EFB2 9/1/2000 29.0 1000.00

EFB2 9/1/2000 30.0 1000.00

EFB2 9/1/2000 31.0 1000.00EFB2 9/1/2000 32.0 1000.00

EFB2 9/1/2000 33.0 1000.00

EFB2 9/1/2000 34.0 1000.00

EFB2 9/1/2000 35.0 1000.00

EFB2 9/1/2000 36.0 1000.00

EFB2 9/1/2000 37.0 1000.00

EFB2 9/1/2000 38.0 1000.00

EFB2 9/1/2000 39.0 1000.00

EFB2 9/1/2000 40.0 1000.00

EFB2 9/1/2000 41.0 1000.00

EFB2 9/1/2000 42.0 1000.00

EFB2 9/1/2000 43.0 1000.00

EFB2 9/1/2000 44.0 1000.00

EFB2 9/1/2000 45.0 1000.00


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EFB2 9/1/2000 46.0 1000.00

EFB2 9/1/2000 47.0 1000.00

EFB2 9/1/2000 48.0 1000.00

EFB2 9/1/2000 49.0 1000.00

EFB2 9/1/2000 50.0 1000.00

EFB2 9/1/2000 51.0 1000.00

EFB2 9/1/2000 52.0 1000.00

EFB2 9/1/2000 53.0 1000.00EFB2 9/1/2000 54.0 1000.00

EFB2 9/1/2000 55.0 1000.00

EFB2 9/1/2000 56.0 1000.00

EFB2 9/1/2000 57.0 1000.00

EFB2 9/1/2000 58.0 1000.00

EFB2 9/1/2000 59.0 1000.00

EFB2 9/1/2000 60.0 1000.00

EFB2 9/1/2000 61.0 1000.00

EFB2 9/1/2000 62.0 1000.00

EFB2 9/1/2000 63.0 1000.00

EFB2 9/1/2000 64.0 1000.00

EFB2 9/1/2000 65.0 1000.00

EFB2 9/1/2000 66.0 1000.00

EFB2 9/1/2000 67.0 1000.00

EFB2 9/1/2000 68.0 1000.00

EFB2 9/1/2000 69.0 1000.00

EFB2 9/1/2000 70.0 1000.00

EFB2 9/1/2000 71.0 1000.00

EFB2 9/1/2000 72.0 1000.00

EFB2 9/1/2000 73.0 1000.00

EFB2 9/1/2000 74.0 1000.00

EFB2 9/1/2000 75.0 1000.00

EFB2 9/1/2000 76.0 1000.00

EFB2 9/1/2000 77.0 1000.00

EFB2 9/1/2000 78.0 1000.00

EFB2 9/1/2000 79.0 1000.00

EFB2 9/1/2000 80.0 1000.00

EFB2 9/1/2000 81.0 1000.00

EFB2 9/1/2000 82.0 1000.00

EFB2 9/1/2000 83.0 1000.00

EFB2 9/1/2000 84.0 1000.00

EFB2 9/1/2000 85.0 1000.00

EFB2 9/1/2000 1.0 2100.00

EFB2 9/1/2000 2.0 2100.00

EFB2 9/1/2000 3.0 2100.00EFB2 9/1/2000 4.0 2100.00

EFB2 9/1/2000 5.0 2100.00

EFB2 9/1/2000 6.0 2100.00

EFB2 9/1/2000 7.0 2100.00

EFB2 9/1/2000 8.0 2100.00

EFB2 9/1/2000 9.0 2100.00

EFB2 9/1/2000 10.0 2100.00

EFB2 9/1/2000 11.0 2100.00

EFB2 9/1/2000 12.0 2100.00

EFB2 9/1/2000 13.0 2100.00

EFB2 9/1/2000 14.0 2100.00

EFB2 9/1/2000 15.0 2100.00

EFB2 9/1/2000 16.0 2100.00

EFB2 9/1/2000 17.0 2100.00


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EFB2 9/1/2000 18.0 2100.00

EFB2 9/1/2000 19.0 2100.00

EFB2 9/1/2000 20.0 2100.00

EFB2 9/1/2000 21.0 2100.00

EFB2 9/1/2000 22.0 2100.00

EFB2 9/1/2000 23.0 2100.00

EFB2 9/1/2000 24.0 2100.00

EFB2 9/1/2000 25.0 2100.00EFB2 9/1/2000 26.0 2100.00

EFB2 9/1/2000 27.0 2100.00

EFB2 9/1/2000 28.0 2100.00

EFB2 9/1/2000 29.0 2100.00

EFB2 9/1/2000 30.0 2100.00

EFB2 9/1/2000 31.0 2100.00

EFB2 9/1/2000 32.0 2100.00

EFB2 9/1/2000 33.0 2100.00

EFB2 9/1/2000 34.0 2100.00

EFB2 9/1/2000 35.0 2100.00

EFB2 9/1/2000 36.0 2100.00

EFB2 9/1/2000 37.0 2100.00

EFB2 9/1/2000 38.0 2100.00

EFB2 9/1/2000 39.0 2100.00

EFB2 9/1/2000 40.0 2100.00

EFB2 9/1/2000 41.0 2100.00

EFB2 9/1/2000 42.0 2100.00

EFB2 9/1/2000 43.0 2100.00

EFB2 9/1/2000 44.0 2100.00

EFB2 9/1/2000 45.0 2100.00

EFB2 9/1/2000 46.0 2100.00

EFB2 9/1/2000 47.0 2100.00

EFB2 9/1/2000 48.0 2100.00

EFB2 9/1/2000 49.0 2100.00

EFB2 9/1/2000 50.0 2100.00

EFB2 9/1/2000 51.0 2100.00

EFB2 9/1/2000 52.0 2100.00

EFB2 9/1/2000 53.0 2100.00

EFB2 9/1/2000 54.0 2100.00

EFB2 9/1/2000 55.0 2100.00

EFB2 9/1/2000 56.0 2100.00

EFB2 9/1/2000 57.0 2100.00

EFB2 9/1/2000 58.0 2100.00

EFB2 9/1/2000 59.0 2100.00

EFB2 9/1/2000 60.0 2100.00EFB2 9/1/2000 61.0 2100.00

EFB2 9/1/2000 62.0 2100.00

EFB2 9/1/2000 63.0 2100.00

EFB2 9/1/2000 64.0 2100.00

EFB2 9/1/2000 65.0 2100.00

EFB2 9/1/2000 66.0 2100.00

EFB2 9/1/2000 67.0 2100.00

EFB2 9/1/2000 68.0 2100.00

EFB2 9/1/2000 69.0 2100.00

EFB2 9/1/2000 70.0 2100.00

EFB2 9/1/2000 71.0 2100.00

EFB2 9/1/2000 72.0 2100.00

EFB2 9/1/2000 73.0 2100.00

EFB2 9/1/2000 74.0 2100.00


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EFB2 9/1/2000 75.0 2100.00

EFB2 9/1/2000 76.0 2100.00

EFB2 9/1/2000 77.0 2100.00

EFB2 9/1/2000 78.0 2100.00

EFB2 9/1/2000 79.0 2100.00

EFB2 9/1/2000 80.0 2100.00

EFB2 9/1/2000 81.0 2100.00

EFB2 9/1/2000 82.0 2100.00EFB2 9/1/2000 83.0 2100.00

EFB2 9/1/2000 84.0 2100.00

EFB2 9/1/2000 85.0 2100.00EFB2 9/1/2000 1.0 3350.00

EFB2 9/1/2000 2.0 3350.00

EFB2 9/1/2000 3.0 3350.00

EFB2 9/1/2000 4.0 3350.00

EFB2 9/1/2000 5.0 3350.00

EFB2 9/1/2000 6.0 3350.00

EFB2 9/1/2000 7.0 3350.00

EFB2 9/1/2000 8.0 3350.00

EFB2 9/1/2000 9.0 3350.00

EFB2 9/1/2000 10.0 3350.00

EFB2 9/1/2000 11.0 3350.00

EFB2 9/1/2000 12.0 3350.00

EFB2 9/1/2000 13.0 3350.00

EFB2 9/1/2000 14.0 3350.00

EFB2 9/1/2000 15.0 3350.00

EFB2 9/1/2000 16.0 3350.00

EFB2 9/1/2000 17.0 3350.00

EFB2 9/1/2000 18.0 3350.00

EFB2 9/1/2000 19.0 3350.00

EFB2 9/1/2000 20.0 3350.00

EFB2 9/1/2000 21.0 3350.00

EFB2 9/1/2000 22.0 3350.00

EFB2 9/1/2000 23.0 3350.00

EFB2 9/1/2000 24.0 3350.00

EFB2 9/1/2000 25.0 3350.00

EFB2 9/1/2000 26.0 3350.00

EFB2 9/1/2000 27.0 3350.00

EFB2 9/1/2000 28.0 3350.00

EFB2 9/1/2000 29.0 3350.00

EFB2 9/1/2000 30.0 3350.00

EFB2 9/1/2000 31.0 3350.00

EFB2 9/1/2000 32.0 3350.00EFB2 9/1/2000 33.0 3350.00

EFB2 9/1/2000 34.0 3350.00

EFB2 9/1/2000 35.0 3350.00

EFB2 9/1/2000 36.0 3350.00

EFB2 9/1/2000 37.0 3350.00

EFB2 9/1/2000 38.0 3350.00

EFB2 9/1/2000 39.0 3350.00

EFB2 9/1/2000 40.0 3350.00

EFB2 9/1/2000 41.0 3350.00

EFB2 9/1/2000 42.0 3350.00

EFB2 9/1/2000 43.0 3350.00

EFB2 9/1/2000 44.0 3350.00

EFB2 9/1/2000 45.0 3350.00

EFB2 9/1/2000 46.0 3350.00


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EFB2 9/1/2000 47.0 3350.00

EFB2 9/1/2000 48.0 3350.00

EFB2 9/1/2000 49.0 3350.00

EFB2 9/1/2000 50.0 3350.00

EFB2 9/1/2000 51.0 3350.00

EFB2 9/1/2000 52.0 3350.00

EFB2 9/1/2000 53.0 3350.00

EFB2 9/1/2000 54.0 3350.00EFB2 9/1/2000 55.0 3350.00

EFB2 9/1/2000 56.0 3350.00

EFB2 9/1/2000 57.0 3350.00

EFB2 9/1/2000 58.0 3350.00

EFB2 9/1/2000 59.0 3350.00

EFB2 9/1/2000 60.0 3350.00

EFB2 9/1/2000 61.0 3350.00

EFB2 9/1/2000 62.0 3350.00

EFB2 9/1/2000 63.0 3350.00

EFB2 9/1/2000 64.0 3350.00

EFB2 9/1/2000 65.0 3350.00

EFB2 9/1/2000 66.0 3350.00

EFB2 9/1/2000 67.0 3350.00

EFB2 9/1/2000 68.0 3350.00

EFB2 9/1/2000 69.0 3350.00

EFB2 9/1/2000 70.0 3350.00

EFB2 9/1/2000 71.0 3350.00

EFB2 9/1/2000 72.0 3350.00

EFB2 9/1/2000 73.0 3350.00

EFB2 9/1/2000 74.0 3350.00

EFB2 9/1/2000 75.0 3350.00

EFB2 9/1/2000 76.0 3350.00

EFB2 9/1/2000 77.0 3350.00

EFB2 9/1/2000 78.0 3350.00

EFB2 9/1/2000 79.0 3350.00

EFB2 9/1/2000 80.0 3350.00

EFB2 9/1/2000 81.0 3350.00

EFB2 9/1/2000 82.0 3350.00

EFB2 9/1/2000 83.0 3350.00

EFB2 9/1/2000 84.0 3350.00

EFB2 9/1/2000 85.0 3350.00

EFB2 9/1/2000 1.0 4500.00

EFB2 9/1/2000 2.0 4500.00

EFB2 9/1/2000 3.0 4500.00

EFB2 9/1/2000 4.0 4500.00EFB2 9/1/2000 5.0 4500.00

EFB2 9/1/2000 6.0 4500.00

EFB2 9/1/2000 7.0 4500.00

EFB2 9/1/2000 8.0 4500.00

EFB2 9/1/2000 9.0 4500.00

EFB2 9/1/2000 10.0 4500.00

EFB2 9/1/2000 11.0 4500.00

EFB2 9/1/2000 12.0 4500.00

EFB2 9/1/2000 13.0 4500.00

EFB2 9/1/2000 14.0 4500.00

EFB2 9/1/2000 15.0 4500.00

EFB2 9/1/2000 16.0 4500.00

EFB2 9/1/2000 17.0 4500.00

EFB2 9/1/2000 18.0 4500.00


24/49

EFB2 9/1/2000 19.0 4500.00

EFB2 9/1/2000 20.0 4500.00

EFB2 9/1/2000 21.0 4500.00

EFB2 9/1/2000 22.0 4500.00

EFB2 9/1/2000 23.0 4500.00

EFB2 9/1/2000 24.0 4500.00

EFB2 9/1/2000 25.0 4500.00

EFB2 9/1/2000 26.0 4500.00EFB2 9/1/2000 27.0 4500.00

EFB2 9/1/2000 28.0 4500.00

EFB2 9/1/2000 29.0 4500.00

EFB2 9/1/2000 30.0 4500.00

EFB2 9/1/2000 31.0 4500.00

EFB2 9/1/2000 32.0 4500.00

EFB2 9/1/2000 33.0 4500.00

EFB2 9/1/2000 34.0 4500.00

EFB2 9/1/2000 35.0 4500.00

EFB2 9/1/2000 36.0 4500.00

EFB2 9/1/2000 37.0 4500.00

EFB2 9/1/2000 38.0 4500.00

EFB2 9/1/2000 39.0 4500.00

EFB2 9/1/2000 40.0 4500.00

EFB2 9/1/2000 41.0 4500.00

EFB2 9/1/2000 42.0 4500.00

EFB2 9/1/2000 43.0 4500.00

EFB2 9/1/2000 44.0 4500.00

EFB2 9/1/2000 45.0 4500.00

EFB2 9/1/2000 46.0 4500.00

EFB2 9/1/2000 47.0 4500.00

EFB2 9/1/2000 48.0 4500.00

EFB2 9/1/2000 49.0 4500.00

EFB2 9/1/2000 50.0 4500.00

EFB2 9/1/2000 51.0 4500.00

EFB2 9/1/2000 52.0 4500.00

EFB2 9/1/2000 53.0 4500.00

EFB2 9/1/2000 54.0 4500.00

EFB2 9/1/2000 55.0 4500.00

EFB2 9/1/2000 56.0 4500.00

EFB2 9/1/2000 57.0 4500.00

EFB2 9/1/2000 58.0 4500.00

EFB2 9/1/2000 59.0 4500.00

EFB2 9/1/2000 60.0 4500.00

EFB2 9/1/2000 61.0 4500.00EFB2 9/1/2000 62.0 4500.00

EFB2 9/1/2000 63.0 4500.00

EFB2 9/1/2000 64.0 4500.00

EFB2 9/1/2000 65.0 4500.00

EFB2 9/1/2000 66.0 4500.00

EFB2 9/1/2000 67.0 4500.00

EFB2 9/1/2000 68.0 4500.00

EFB2 9/1/2000 69.0 4500.00

EFB2 9/1/2000 70.0 4500.00

EFB2 9/1/2000 71.0 4500.00

EFB2 9/1/2000 72.0 4500.00

EFB2 9/1/2000 73.0 4500.00

EFB2 9/1/2000 74.0 4500.00

EFB2 9/1/2000 75.0 4500.00


25/49

EFB2 9/1/2000 76.0 4500.00

EFB2 9/1/2000 77.0 4500.00

EFB2 9/1/2000 78.0 4500.00

EFB2 9/1/2000 79.0 4500.00

EFB2 9/1/2000 80.0 4500.00

EFB2 9/1/2000 81.0 4500.00

EFB2 9/1/2000 82.0 4500.00

EFB2 9/1/2000 83.0 4500.00EFB2 9/1/2000 84.0 4500.00

EFB2 9/1/2000 85.0 4500.00

EFB2 9/1/2000 1.0 5750.00

EFB2 9/1/2000 2.0 5750.00

EFB2 9/1/2000 3.0 5750.00

EFB2 9/1/2000 4.0 5750.00

EFB2 9/1/2000 5.0 5750.00

EFB2 9/1/2000 6.0 5750.00

EFB2 9/1/2000 7.0 5750.00

EFB2 9/1/2000 8.0 5750.00

EFB2 9/1/2000 9.0 5750.00

EFB2 9/1/2000 10.0 5750.00

EFB2 9/1/2000 11.0 5750.00

EFB2 9/1/2000 12.0 5750.00

EFB2 9/1/2000 13.0 5750.00

EFB2 9/1/2000 14.0 5750.00

EFB2 9/1/2000 15.0 5750.00

EFB2 9/1/2000 16.0 5750.00

EFB2 9/1/2000 17.0 5750.00

EFB2 9/1/2000 18.0 5750.00

EFB2 9/1/2000 19.0 5750.00

EFB2 9/1/2000 20.0 5750.00

EFB2 9/1/2000 21.0 5750.00

EFB2 9/1/2000 22.0 5750.00

EFB2 9/1/2000 23.0 5750.00

EFB2 9/1/2000 24.0 5750.00

EFB2 9/1/2000 25.0 5750.00

EFB2 9/1/2000 26.0 5750.00

EFB2 9/1/2000 27.0 5750.00

EFB2 9/1/2000 28.0 5750.00

EFB2 9/1/2000 29.0 5750.00

EFB2 9/1/2000 30.0 5750.00

EFB2 9/1/2000 31.0 5750.00

EFB2 9/1/2000 32.0 5750.00

EFB2 9/1/2000 33.0 5750.00EFB2 9/1/2000 34.0 5750.00

EFB2 9/1/2000 35.0 5750.00

EFB2 9/1/2000 36.0 5750.00

EFB2 9/1/2000 37.0 5750.00

EFB2 9/1/2000 38.0 5750.00

EFB2 9/1/2000 39.0 5750.00

EFB2 9/1/2000 40.0 5750.00

EFB2 9/1/2000 41.0 5750.00

EFB2 9/1/2000 42.0 5750.00

EFB2 9/1/2000 43.0 5750.00

EFB2 9/1/2000 44.0 5750.00

EFB2 9/1/2000 45.0 5750.00

EFB2 9/1/2000 46.0 5750.00

EFB2 9/1/2000 47.0 5750.00


26/49

EFB2 9/1/2000 48.0 5750.00

EFB2 9/1/2000 49.0 5750.00

EFB2 9/1/2000 50.0 5750.00

EFB2 9/1/2000 51.0 5750.00

EFB2 9/1/2000 52.0 5750.00

EFB2 9/1/2000 53.0 5750.00

EFB2 9/1/2000 54.0 5750.00

EFB2 9/1/2000 55.0 5750.00EFB2 9/1/2000 56.0 5750.00

EFB2 9/1/2000 57.0 5750.00

EFB2 9/1/2000 58.0 5750.00

EFB2 9/1/2000 59.0 5750.00

EFB2 9/1/2000 60.0 5750.00

EFB2 9/1/2000 61.0 5750.00

EFB2 9/1/2000 62.0 5750.00

EFB2 9/1/2000 63.0 5750.00

EFB2 9/1/2000 64.0 5750.00

EFB2 9/1/2000 65.0 5750.00

EFB2 9/1/2000 66.0 5750.00

EFB2 9/1/2000 67.0 5750.00

EFB2 9/1/2000 68.0 5750.00

EFB2 9/1/2000 69.0 5750.00

EFB2 9/1/2000 70.0 5750.00

EFB2 9/1/2000 71.0 5750.00

EFB2 9/1/2000 72.0 5750.00

EFB2 9/1/2000 73.0 5750.00

EFB2 9/1/2000 74.0 5750.00

EFB2 9/1/2000 75.0 5750.00

EFB2 9/1/2000 76.0 5750.00

EFB2 9/1/2000 77.0 5750.00

EFB2 9/1/2000 78.0 5750.00

EFB2 9/1/2000 79.0 5750.00

EFB2 9/1/2000 80.0 5750.00

EFB2 9/1/2000 81.0 5750.00

EFB2 9/1/2000 82.0 5750.00

EFB2 9/1/2000 83.0 5750.00

EFB2 9/1/2000 84.0 5750.00

EFB2 9/1/2000 85.0 5750.00

EFB2 9/1/2000 1.0 7000.00

EFB2 9/1/2000 2.0 7000.00

EFB2 9/1/2000 3.0 7000.00

EFB2 9/1/2000 4.0 7000.00

EFB2 9/1/2000 5.0 7000.00EFB2 9/1/2000 6.0 7000.00

EFB2 9/1/2000 7.0 7000.00

EFB2 9/1/2000 8.0 7000.00

EFB2 9/1/2000 9.0 7000.00

EFB2 9/1/2000 10.0 7000.00

EFB2 9/1/2000 11.0 7000.00

EFB2 9/1/2000 12.0 7000.00

EFB2 9/1/2000 13.0 7000.00

EFB2 9/1/2000 14.0 7000.00

EFB2 9/1/2000 15.0 7000.00

EFB2 9/1/2000 16.0 7000.00

EFB2 9/1/2000 17.0 7000.00

EFB2 9/1/2000 18.0 7000.00

EFB2 9/1/2000 19.0 7000.00


27/49

EFB2 9/1/2000 20.0 7000.00

EFB2 9/1/2000 21.0 7000.00

EFB2 9/1/2000 22.0 7000.00

EFB2 9/1/2000 23.0 7000.00

EFB2 9/1/2000 24.0 7000.00

EFB2 9/1/2000 25.0 7000.00

EFB2 9/1/2000 26.0 7000.00

EFB2 9/1/2000 27.0 7000.00EFB2 9/1/2000 28.0 7000.00

EFB2 9/1/2000 29.0 7000.00

EFB2 9/1/2000 30.0 7000.00

EFB2 9/1/2000 31.0 7000.00

EFB2 9/1/2000 32.0 7000.00

EFB2 9/1/2000 33.0 7000.00

EFB2 9/1/2000 34.0 7000.00

EFB2 9/1/2000 35.0 7000.00

EFB2 9/1/2000 36.0 7000.00

EFB2 9/1/2000 37.0 7000.00

EFB2 9/1/2000 38.0 7000.00

EFB2 9/1/2000 39.0 7000.00

EFB2 9/1/2000 40.0 7000.00

EFB2 9/1/2000 41.0 7000.00

EFB2 9/1/2000 42.0 7000.00

EFB2 9/1/2000 43.0 7000.00

EFB2 9/1/2000 44.0 7000.00

EFB2 9/1/2000 45.0 7000.00

EFB2 9/1/2000 46.0 7000.00

EFB2 9/1/2000 47.0 7000.00

EFB2 9/1/2000 48.0 7000.00

EFB2 9/1/2000 49.0 7000.00

EFB2 9/1/2000 50.0 7000.00

EFB2 9/1/2000 51.0 7000.00

EFB2 9/1/2000 52.0 7000.00

EFB2 9/1/2000 53.0 7000.00

EFB2 9/1/2000 54.0 7000.00

EFB2 9/1/2000 55.0 7000.00

EFB2 9/1/2000 56.0 7000.00

EFB2 9/1/2000 57.0 7000.00

EFB2 9/1/2000 58.0 7000.00

EFB2 9/1/2000 59.0 7000.00

EFB2 9/1/2000 60.0 7000.00

EFB2 9/1/2000 61.0 7000.00

EFB2 9/1/2000 62.0 7000.00EFB2 9/1/2000 63.0 7000.00

EFB2 9/1/2000 64.0 7000.00

EFB2 9/1/2000 65.0 7000.00

EFB2 9/1/2000 66.0 7000.00

EFB2 9/1/2000 67.0 7000.00

EFB2 9/1/2000 68.0 7000.00

EFB2 9/1/2000 69.0 7000.00

EFB2 9/1/2000 70.0 7000.00

EFB2 9/1/2000 71.0 7000.00

EFB2 9/1/2000 72.0 7000.00

EFB2 9/1/2000 73.0 7000.00

EFB2 9/1/2000 74.0 7000.00

EFB2 9/1/2000 75.0 7000.00

EFB2 9/1/2000 76.0 7000.00


28/49

EFB2 9/1/2000 77.0 7000.00

EFB2 9/1/2000 78.0 7000.00

EFB2 9/1/2000 79.0 7000.00

EFB2 9/1/2000 80.0 7000.00

EFB2 9/1/2000 81.0 7000.00

EFB2 9/1/2000 82.0 7000.00

EFB2 9/1/2000 83.0 7000.00

EFB2 9/1/2000 84.0 7000.00EFB2 9/1/2000 85.0 7000.00


29/49

RATE

2

2

2

2

2

2

2

2

2

2

2

2

2

2

2

4.5

4.5

4.5

4.5

4.5

4.5

4.5

4.5

4.5

4.5

5

5

5

5

5

55

5

5

5

5.5

5.5

5.5

5.5

5.5

5.5

5.5

5.5

5.5

5.5

Back


30/49

8

8

8

8

8

8

8

88

8

12

12

12

12

12

12

12

12

12

12

17

17

17

17

17

17

17

17

17

17

24

24

24

24

24

24

24

24

24

24

4

4

44

4

4

4

4

4

4

4

4

4

4

4

9

9


31/49

9

9

9

9

9

9

9

910

10

10

10

10

10

10

10

10

10

11

11

11

11

11

11

11

11

11

11

16

16

16

16

16

16

16

16

16

16

24

24

24

24

2424

24

24

24

24

34

34

34

34

34

34

34

34

34


32/49

34

48

48

48

48

48

48

4848

48

48

6

6

6

6

6

6

6

6

6

6

6

6

6

6

6

13.5

13.5

13.5

13.5

13.5

13.5

13.5

13.5

13.5

13.5

15

15

15

15

15

15

1515

15

15

16.5

16.5

16.5

16.5

16.5

16.5

16.5

16.5

16.5

16.5

24


33/49

24

24

24

24

24

24

24

2424

36

36

36

36

36

36

36

36

36

36

51

51

51

51

51

51

51

51

51

51

72

72

72

72

72

72

72

72

72

72

8

8

8

88

8

8

8

8

8

8

8

8

8

8

18

18

18


34/49

18

18

18

18

18

18

18

2020

20

20

20

20

20

20

20

20

22

22

22

22

22

22

22

22

22

22

32

32

32

32

32

32

32

32

32

32

48

48

48

48

48

4848

48

48

48

68

68

68

68

68

68

68

68

68

68


35/49

96

96

96

96

96

96

96

9696

96

10

10

10

10

10

10

10

10

10

10

10

10

10

10

10

22.5

22.5

22.5

22.5

22.5

22.5

22.5

22.5

22.5

22.5

25

25

25

25

25

25

25

2525

25

27.5

27.5

27.5

27.5

27.5

27.5

27.5

27.5

27.5

27.5

40

40


36/49

40

40

40

40

40

40

40

4060

60

60

60

60

60

60

60

60

60

85

85

85

85

85

85

85

85

85

85

120

120

120

120

120

120

120

120

120

120

12

12

12

12

1212

12

12

12

12

12

12

12

12

12

27

27

27

27


37/49

27

27

27

27

27

27

30

3030

30

30

30

30

30

30

30

33

33

33

33

33

33

33

33

33

33

48

48

48

48

48

48

48

48

48

48

72

72

72

72

72

72

7272

72

72

102

102

102

102

102

102

102

102

102

102

144


38/49

144

144

144

144

144

144

144

144144


39/49

RATE_TABLE_CODE EFB2

RATE_TABLE_DESC NEW EFFB

IS RATE TERM BASED NO

IS RATE AGE BASED YES (RATEG AGE)

IS RATE COVER_BASED YESGENDER_BASED NO

OFFICE_SCALING_FACTOR 1

RISK_SCALING_FACTOR 1

RATE_TABLE_CODE RATE_FIRST_DATE RATED AGE COVER_LEVEL RATEEFB2 9/1/2000 1.0 1000.00 1.54

EFB2 9/1/2000 2.0 1000.00 1.54

EFB2 9/1/2000 3.0 1000.00 1.54

EFB2 9/1/2000 4.0 1000.00 1.54

EFB2 9/1/2000 5.0 1000.00 1.54

EFB2 9/1/2000 6.0 1000.00 1.54

EFB2 9/1/2000 7.0 1000.00 1.54

EFB2 9/1/2000 8.0 1000.00 1.54

EFB2 9/1/2000 9.0 1000.00 1.54

EFB2 9/1/2000 10.0 1000.00 1.54

EFB2 9/1/2000 11.0 1000.00 1.54

EFB2 9/1/2000 12.0 1000.00 1.54

EFB2 9/1/2000 13.0 1000.00 1.54

EFB2 9/1/2000 14.0 1000.00 1.54

EFB2 9/1/2000 15.0 1000.00 1.54

EFB2 9/1/2000 16.0 1000.00 3.47

EFB2 9/1/2000 17.0 1000.00 3.47

EFB2 9/1/2000 18.0 1000.00 3.47

EFB2 9/1/2000 19.0 1000.00 3.47

EFB2 9/1/2000 20.0 1000.00 3.47

EFB2 9/1/2000 21.0 1000.00 3.47

EFB2 9/1/2000 22.0 1000.00 3.47

EFB2 9/1/2000 23.0 1000.00 3.47

EFB2 9/1/2000 24.0 1000.00 3.47

EFB2 9/1/2000 25.0 1000.00 3.47

EFB2 9/1/2000 26.0 1000.00 3.85

EFB2 9/1/2000 27.0 1000.00 3.85

EFB2 9/1/2000 28.0 1000.00 3.85

EFB2 9/1/2000 29.0 1000.00 3.85

EFB2 9/1/2000 30.0 1000.00 3.85EFB2 9/1/2000 31.0 1000.00 3.85

EFB2 9/1/2000 32.0 1000.00 3.85

EFB2 9/1/2000 33.0 1000.00 3.85

EFB2 9/1/2000 34.0 1000.00 3.85

EFB2 9/1/2000 35.0 1000.00 3.85

EFB2 9/1/2000 36.0 1000.00 4.24

EFB2 9/1/2000 37.0 1000.00 4.24

EFB2 9/1/2000 38.0 1000.00 4.24

EFB2 9/1/2000 39.0 1000.00 4.24

EFB2 9/1/2000 40.0 1000.00 4.24

EFB2 9/1/2000 41.0 1000.00 4.24

EFB2 9/1/2000 42.0 1000.00 4.24

EFB2 9/1/2000 43.0 1000.00 4.24

EFB2 9/1/2000 44.0 1000.00 4.24

Home Formula Home


40/49

EFB2 9/1/2000 45.0 1000.00 4.24

EFB2 9/1/2000 46.0 1000.00 6.16

EFB2 9/1/2000 47.0 1000.00 6.16

EFB2 9/1/2000 48.0 1000.00 6.16

EFB2 9/1/2000 49.0 1000.00 6.16

EFB2 9/1/2000 50.0 1000.00 6.16

EFB2 9/1/2000 51.0 1000.00 6.16

EFB2 9/1/2000 52.0 1000.00 6.16EFB2 9/1/2000 53.0 1000.00 6.16

EFB2 9/1/2000 54.0 1000.00 6.16

EFB2 9/1/2000 55.0 1000.00 6.16

EFB2 9/1/2000 56.0 1000.00 9.24

EFB2 9/1/2000 57.0 1000.00 9.24

EFB2 9/1/2000 58.0 1000.00 9.24

EFB2 9/1/2000 59.0 1000.00 9.24

EFB2 9/1/2000 60.0 1000.00 9.24

EFB2 9/1/2000 61.0 1000.00 9.24

EFB2 9/1/2000 62.0 1000.00 9.24

EFB2 9/1/2000 63.0 1000.00 9.24

EFB2 9/1/2000 64.0 1000.00 9.24

EFB2 9/1/2000 65.0 1000.00 9.24

EFB2 9/1/2000 66.0 1000.00 13.09

EFB2 9/1/2000 67.0 1000.00 13.09

EFB2 9/1/2000 68.0 1000.00 13.09

EFB2 9/1/2000 69.0 1000.00 13.09

EFB2 9/1/2000 70.0 1000.00 13.09

EFB2 9/1/2000 71.0 1000.00 13.09

EFB2 9/1/2000 72.0 1000.00 13.09

EFB2 9/1/2000 73.0 1000.00 13.09

EFB2 9/1/2000 74.0 1000.00 13.09

EFB2 9/1/2000 75.0 1000.00 13.09

EFB2 9/1/2000 76.0 1000.00 18.48

EFB2 9/1/2000 77.0 1000.00 18.48

EFB2 9/1/2000 78.0 1000.00 18.48

EFB2 9/1/2000 79.0 1000.00 18.48

EFB2 9/1/2000 80.0 1000.00 18.48

EFB2 9/1/2000 81.0 1000.00 18.48

EFB2 9/1/2000 82.0 1000.00 18.48

EFB2 9/1/2000 83.0 1000.00 18.48

EFB2 9/1/2000 84.0 1000.00 18.48

EFB2 9/1/2000 85.0 1000.00 18.48

EFB2 9/1/2000 1.0 2100.00 3.08

EFB2 9/1/2000 2.0 2100.00 3.08EFB2 9/1/2000 3.0 2100.00 3.08

EFB2 9/1/2000 4.0 2100.00 3.08

EFB2 9/1/2000 5.0 2100.00 3.08

EFB2 9/1/2000 6.0 2100.00 3.08

EFB2 9/1/2000 7.0 2100.00 3.08

EFB2 9/1/2000 8.0 2100.00 3.08

EFB2 9/1/2000 9.0 2100.00 3.08

EFB2 9/1/2000 10.0 2100.00 3.08

EFB2 9/1/2000 11.0 2100.00 3.08

EFB2 9/1/2000 12.0 2100.00 3.08

EFB2 9/1/2000 13.0 2100.00 3.08

EFB2 9/1/2000 14.0 2100.00 3.08

EFB2 9/1/2000 15.0 2100.00 3.08

EFB2 9/1/2000 16.0 2100.00 6.93


41/49


42/49

EFB2 9/1/2000 74.0 2100.00 26.18

EFB2 9/1/2000 75.0 2100.00 26.18

EFB2 9/1/2000 76.0 2100.00 36.96

EFB2 9/1/2000 77.0 2100.00 36.96

EFB2 9/1/2000 78.0 2100.00 36.96

EFB2 9/1/2000 79.0 2100.00 36.96

EFB2 9/1/2000 80.0 2100.00 36.96

EFB2 9/1/2000 81.0 2100.00 36.96EFB2 9/1/2000 82.0 2100.00 36.96

EFB2 9/1/2000 83.0 2100.00 36.96

EFB2 9/1/2000 84.0 2100.00 36.96

EFB2 9/1/2000 85.0 2100.00 36.96

EFB2 9/1/2000 1.0 3350.00 4.62

EFB2 9/1/2000 2.0 3350.00 4.62

EFB2 9/1/2000 3.0 3350.00 4.62

EFB2 9/1/2000 4.0 3350.00 4.62

EFB2 9/1/2000 5.0 3350.00 4.62

EFB2 9/1/2000 6.0 3350.00 4.62

EFB2 9/1/2000 7.0 3350.00 4.62

EFB2 9/1/2000 8.0 3350.00 4.62

EFB2 9/1/2000 9.0 3350.00 4.62

EFB2 9/1/2000 10.0 3350.00 4.62

EFB2 9/1/2000 11.0 3350.00 4.62

EFB2 9/1/2000 12.0 3350.00 4.62

EFB2 9/1/2000 13.0 3350.00 4.62

EFB2 9/1/2000 14.0 3350.00 4.62

EFB2 9/1/2000 15.0 3350.00 4.62

EFB2 9/1/2000 16.0 3350.00 10.4

EFB2 9/1/2000 17.0 3350.00 10.4

EFB2 9/1/2000 18.0 3350.00 10.4

EFB2 9/1/2000 19.0 3350.00 10.4

EFB2 9/1/2000 20.0 3350.00 10.4

EFB2 9/1/2000 21.0 3350.00 10.4

EFB2 9/1/2000 22.0 3350.00 10.4

EFB2 9/1/2000 23.0 3350.00 10.4

EFB2 9/1/2000 24.0 3350.00 10.4

EFB2 9/1/2000 25.0 3350.00 10.4

EFB2 9/1/2000 26.0 3350.00 11.55

EFB2 9/1/2000 27.0 3350.00 11.55

EFB2 9/1/2000 28.0 3350.00 11.55

EFB2 9/1/2000 29.0 3350.00 11.55

EFB2 9/1/2000 30.0 3350.00 11.55

EFB2 9/1/2000 31.0 3350.00 11.55EFB2 9/1/2000 32.0 3350.00 11.55

EFB2 9/1/2000 33.0 3350.00 11.55

EFB2 9/1/2000 34.0 3350.00 11.55

EFB2 9/1/2000 35.0 3350.00 11.55

EFB2 9/1/2000 36.0 3350.00 12.71

EFB2 9/1/2000 37.0 3350.00 12.71

EFB2 9/1/2000 38.0 3350.00 12.71

EFB2 9/1/2000 39.0 3350.00 12.71

EFB2 9/1/2000 40.0 3350.00 12.71

EFB2 9/1/2000 41.0 3350.00 12.71

EFB2 9/1/2000 42.0 3350.00 12.71

EFB2 9/1/2000 43.0 3350.00 12.71

EFB2 9/1/2000 44.0 3350.00 12.71

EFB2 9/1/2000 45.0 3350.00 12.71


43/49

EFB2 9/1/2000 46.0 3350.00 18.48

EFB2 9/1/2000 47.0 3350.00 18.48

EFB2 9/1/2000 48.0 3350.00 18.48

EFB2 9/1/2000 49.0 3350.00 18.48

EFB2 9/1/2000 50.0 3350.00 18.48

EFB2 9/1/2000 51.0 3350.00 18.48

EFB2 9/1/2000 52.0 3350.00 18.48

EFB2 9/1/2000 53.0 3350.00 18.48EFB2 9/1/2000 54.0 3350.00 18.48

EFB2 9/1/2000 55.0 3350.00 18.48

EFB2 9/1/2000 56.0 3350.00 27.72

EFB2 9/1/2000 57.0 3350.00 27.72

EFB2 9/1/2000 58.0 3350.00 27.72

EFB2 9/1/2000 59.0 3350.00 27.72

EFB2 9/1/2000 60.0 3350.00 27.72

EFB2 9/1/2000 61.0 3350.00 27.72

EFB2 9/1/2000 62.0 3350.00 27.72

EFB2 9/1/2000 63.0 3350.00 27.72

EFB2 9/1/2000 64.0 3350.00 27.72

EFB2 9/1/2000 65.0 3350.00 27.72

EFB2 9/1/2000 66.0 3350.00 39.27

EFB2 9/1/2000 67.0 3350.00 39.27

EFB2 9/1/2000 68.0 3350.00 39.27

EFB2 9/1/2000 69.0 3350.00 39.27

EFB2 9/1/2000 70.0 3350.00 39.27

EFB2 9/1/2000 71.0 3350.00 39.27

EFB2 9/1/2000 72.0 3350.00 39.27

EFB2 9/1/2000 73.0 3350.00 39.27

EFB2 9/1/2000 74.0 3350.00 39.27

EFB2 9/1/2000 75.0 3350.00 39.27

EFB2 9/1/2000 76.0 3350.00 55.44

EFB2 9/1/2000 77.0 3350.00 55.44

EFB2 9/1/2000 78.0 3350.00 55.44

EFB2 9/1/2000 79.0 3350.00 55.44

EFB2 9/1/2000 80.0 3350.00 55.44

EFB2 9/1/2000 81.0 3350.00 55.44

EFB2 9/1/2000 82.0 3350.00 55.44

EFB2 9/1/2000 83.0 3350.00 55.44

EFB2 9/1/2000 84.0 3350.00 55.44

EFB2 9/1/2000 85.0 3350.00 55.44

EFB2 9/1/2000 1.0 4500.00 6.16

EFB2 9/1/2000 2.0 4500.00 6.16

EFB2 9/1/2000 3.0 4500.00 6.16EFB2 9/1/2000 4.0 4500.00 6.16

EFB2 9/1/2000 5.0 4500.00 6.16

EFB2 9/1/2000 6.0 4500.00 6.16

EFB2 9/1/2000 7.0 4500.00 6.16

EFB2 9/1/2000 8.0 4500.00 6.16

EFB2 9/1/2000 9.0 4500.00 6.16

EFB2 9/1/2000 10.0 4500.00 6.16

EFB2 9/1/2000 11.0 4500.00 6.16

EFB2 9/1/2000 12.0 4500.00 6.16

EFB2 9/1/2000 13.0 4500.00 6.16

EFB2 9/1/2000 14.0 4500.00 6.16

EFB2 9/1/2000 15.0 4500.00 6.16

EFB2 9/1/2000 16.0 4500.00 13.86

EFB2 9/1/2000 17.0 4500.00 13.86


44/49


45/49

EFB2 9/1/2000 75.0 4500.00 52.36

EFB2 9/1/2000 76.0 4500.00 73.92

EFB2 9/1/2000 77.0 4500.00 73.92

EFB2 9/1/2000 78.0 4500.00 73.92

EFB2 9/1/2000 79.0 4500.00 73.92

EFB2 9/1/2000 80.0 4500.00 73.92

EFB2 9/1/2000 81.0 4500.00 73.92

EFB2 9/1/2000 82.0 4500.00 73.92EFB2 9/1/2000 83.0 4500.00 73.92

EFB2 9/1/2000 84.0 4500.00 73.92

EFB2 9/1/2000 85.0 4500.00 73.92

EFB2 9/1/2000 1.0 5750.00 7.7

EFB2 9/1/2000 2.0 5750.00 7.7

EFB2 9/1/2000 3.0 5750.00 7.7

EFB2 9/1/2000 4.0 5750.00 7.7

EFB2 9/1/2000 5.0 5750.00 7.7

EFB2 9/1/2000 6.0 5750.00 7.7

EFB2 9/1/2000 7.0 5750.00 7.7

EFB2 9/1/2000 8.0 5750.00 7.7

EFB2 9/1/2000 9.0 5750.00 7.7

EFB2 9/1/2000 10.0 5750.00 7.7

EFB2 9/1/2000 11.0 5750.00 7.7

EFB2 9/1/2000 12.0 5750.00 7.7

EFB2 9/1/2000 13.0 5750.00 7.7

EFB2 9/1/2000 14.0 5750.00 7.7

EFB2 9/1/2000 15.0 5750.00 7.7

EFB2 9/1/2000 16.0 5750.00 17.33

EFB2 9/1/2000 17.0 5750.00 17.33

EFB2 9/1/2000 18.0 5750.00 17.33

EFB2 9/1/2000 19.0 5750.00 17.33

EFB2 9/1/2000 20.0 5750.00 17.33

EFB2 9/1/2000 21.0 5750.00 17.33

EFB2 9/1/2000 22.0 5750.00 17.33

EFB2 9/1/2000 23.0 5750.00 17.33

EFB2 9/1/2000 24.0 5750.00 17.33

EFB2 9/1/2000 25.0 5750.00 17.33

EFB2 9/1/2000 26.0 5750.00 19.25

EFB2 9/1/2000 27.0 5750.00 19.25

EFB2 9/1/2000 28.0 5750.00 19.25

EFB2 9/1/2000 29.0 5750.00 19.25

EFB2 9/1/2000 30.0 5750.00 19.25

EFB2 9/1/2000 31.0 5750.00 19.25

EFB2 9/1/2000 32.0 5750.00 19.25EFB2 9/1/2000 33.0 5750.00 19.25

EFB2 9/1/2000 34.0 5750.00 19.25

EFB2 9/1/2000 35.0 5750.00 19.25

EFB2 9/1/2000 36.0 5750.00 21.18

EFB2 9/1/2000 37.0 5750.00 21.18

EFB2 9/1/2000 38.0 5750.00 21.18

EFB2 9/1/2000 39.0 5750.00 21.18

EFB2 9/1/2000 40.0 5750.00 21.18

EFB2 9/1/2000 41.0 5750.00 21.18

EFB2 9/1/2000 42.0 5750.00 21.18

EFB2 9/1/2000 43.0 5750.00 21.18

EFB2 9/1/2000 44.0 5750.00 21.18

EFB2 9/1/2000 45.0 5750.00 21.18

EFB2 9/1/2000 46.0 5750.00 30.8


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EFB2 9/1/2000 47.0 5750.00 30.8

EFB2 9/1/2000 48.0 5750.00 30.8

EFB2 9/1/2000 49.0 5750.00 30.8

EFB2 9/1/2000 50.0 5750.00 30.8

EFB2 9/1/2000 51.0 5750.00 30.8

EFB2 9/1/2000 52.0 5750.00 30.8

EFB2 9/1/2000 53.0 5750.00 30.8

EFB2 9/1/2000 54.0 5750.00 30.8EFB2 9/1/2000 55.0 5750.00 30.8

EFB2 9/1/2000 56.0 5750.00 46.2

EFB2 9/1/2000 57.0 5750.00 46.2

EFB2 9/1/2000 58.0 5750.00 46.2

EFB2 9/1/2000 59.0 5750.00 46.2

EFB2 9/1/2000 60.0 5750.00 46.2

EFB2 9/1/2000 61.0 5750.00 46.2

EFB2 9/1/2000 62.0 5750.00 46.2

EFB2 9/1/2000 63.0 5750.00 46.2

EFB2 9/1/2000 64.0 5750.00 46.2

EFB2 9/1/2000 65.0 5750.00 46.2

EFB2 9/1/2000 66.0 5750.00 65.45

EFB2 9/1/2000 67.0 5750.00 65.45

EFB2 9/1/2000 68.0 5750.00 65.45

EFB2 9/1/2000 69.0 5750.00 65.45

EFB2 9/1/2000 70.0 5750.00 65.45

EFB2 9/1/2000 71.0 5750.00 65.45

EFB2 9/1/2000 72.0 5750.00 65.45

EFB2 9/1/2000 73.0 5750.00 65.45

EFB2 9/1/2000 74.0 5750.00 65.45

EFB2 9/1/2000 75.0 5750.00 65.45

EFB2 9/1/2000 76.0 5750.00 92.4

EFB2 9/1/2000 77.0 5750.00 92.4

EFB2 9/1/2000 78.0 5750.00 92.4

EFB2 9/1/2000 79.0 5750.00 92.4

EFB2 9/1/2000 80.0 5750.00 92.4

EFB2 9/1/2000 81.0 5750.00 92.4

EFB2 9/1/2000 82.0 5750.00 92.4

EFB2 9/1/2000 83.0 5750.00 92.4

EFB2 9/1/2000 84.0 5750.00 92.4

EFB2 9/1/2000 85.0 5750.00 92.4

EFB2 9/1/2000 1.0 7000.00 9.24

EFB2 9/1/2000 2.0 7000.00 9.24

EFB2 9/1/2000 3.0 7000.00 9.24

EFB2 9/1/2000 4.0 7000.00 9.24EFB2 9/1/2000 5.0 7000.00 9.24

EFB2 9/1/2000 6.0 7000.00 9.24

EFB2 9/1/2000 7.0 7000.00 9.24

EFB2 9/1/2000 8.0 7000.00 9.24

EFB2 9/1/2000 9.0 7000.00 9.24

EFB2 9/1/2000 10.0 7000.00 9.24

EFB2 9/1/2000 11.0 7000.00 9.24

EFB2 9/1/2000 12.0 7000.00 9.24

EFB2 9/1/2000 13.0 7000.00 9.24

EFB2 9/1/2000 14.0 7000.00 9.24

EFB2 9/1/2000 15.0 7000.00 9.24

EFB2 9/1/2000 16.0 7000.00 20.79

EFB2 9/1/2000 17.0 7000.00 20.79

EFB2 9/1/2000 18.0 7000.00 20.79


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EFB2 9/1/2000 19.0 7000.00 20.79

EFB2 9/1/2000 20.0 7000.00 20.79

EFB2 9/1/2000 21.0 7000.00 20.79

EFB2 9/1/2000 22.0 7000.00 20.79

EFB2 9/1/2000 23.0 7000.00 20.79

EFB2 9/1/2000 24.0 7000.00 20.79

EFB2 9/1/2000 25.0 7000.00 20.79

EFB2 9/1/2000 26.0 7000.00 23.1EFB2 9/1/2000 27.0 7000.00 23.1

EFB2 9/1/2000 28.0 7000.00 23.1

EFB2 9/1/2000 29.0 7000.00 23.1

EFB2 9/1/2000 30.0 7000.00 23.1

EFB2 9/1/2000 31.0 7000.00 23.1

EFB2 9/1/2000 32.0 7000.00 23.1

EFB2 9/1/2000 33.0 7000.00 23.1

EFB2 9/1/2000 34.0 7000.00 23.1

EFB2 9/1/2000 35.0 7000.00 23.1

EFB2 9/1/2000 36.0 7000.00 25.41

EFB2 9/1/2000 37.0 7000.00 25.41

EFB2 9/1/2000 38.0 7000.00 25.41

EFB2 9/1/2000 39.0 7000.00 25.41

EFB2 9/1/2000 40.0 7000.00 25.41

EFB2 9/1/2000 41.0 7000.00 25.41

EFB2 9/1/2000 42.0 7000.00 25.41

EFB2 9/1/2000 43.0 7000.00 25.41

EFB2 9/1/2000 44.0 7000.00 25.41

EFB2 9/1/2000 45.0 7000.00 25.41

EFB2 9/1/2000 46.0 7000.00 36.96

EFB2 9/1/2000 47.0 7000.00 36.96

EFB2 9/1/2000 48.0 7000.00 36.96

EFB2 9/1/2000 49.0 7000.00 36.96

EFB2 9/1/2000 50.0 7000.00 36.96

EFB2 9/1/2000 51.0 7000.00 36.96

EFB2 9/1/2000 52.0 7000.00 36.96

EFB2 9/1/2000 53.0 7000.00 36.96

EFB2 9/1/2000 54.0 7000.00 36.96

EFB2 9/1/2000 55.0 7000.00 36.96

EFB2 9/1/2000 56.0 7000.00 55.44

EFB2 9/1/2000 57.0 7000.00 55.44

EFB2 9/1/2000 58.0 7000.00 55.44

EFB2 9/1/2000 59.0 7000.00 55.44

EFB2 9/1/2000 60.0 7000.00 55.44

EFB2 9/1/2000 61.0 7000.00 55.44EFB2 9/1/2000 62.0 7000.00 55.44

EFB2 9/1/2000 63.0 7000.00 55.44

EFB2 9/1/2000 64.0 7000.00 55.44

EFB2 9/1/2000 65.0 7000.00 55.44

EFB2 9/1/2000 66.0 7000.00 78.54

EFB2 9/1/2000 67.0 7000.00 78.54

EFB2 9/1/2000 68.0 7000.00 78.54

EFB2 9/1/2000 69.0 7000.00 78.54

EFB2 9/1/2000 70.0 7000.00 78.54

EFB2 9/1/2000 71.0 7000.00 78.54

EFB2 9/1/2000 72.0 7000.00 78.54

EFB2 9/1/2000 73.0 7000.00 78.54

EFB2 9/1/2000 74.0 7000.00 78.54

EFB2 9/1/2000 75.0 7000.00 78.54


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EFB2 9/1/2000 76.0 7000.00 110.88

EFB2 9/1/2000 77.0 7000.00 110.88

EFB2 9/1/2000 78.0 7000.00 110.88

EFB2 9/1/2000 79.0 7000.00 110.88

EFB2 9/1/2000 80.0 7000.00 110.88

EFB2 9/1/2000 81.0 7000.00 110.88

EFB2 9/1/2000 82.0 7000.00 110.88

EFB2 9/1/2000 83.0 7000.00 110.88EFB2 9/1/2000 84.0 7000.00 110.88

EFB2 9/1/2000 85.0 7000.00 110.88


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PRODUCT_CODE FACTOR_FIRST_DATE PAYMENT_FREQUENCY FACTOR

ULP1 1-Jan-02 0.00 100

ULP1 1-Jan-02 1.00 95.25

ULP1 1-Jan-02 2.00 98.67

ULP1 1-Jan-02 4.00 99.55

ULP1 1-Jan-02 12.00 100

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New Extended Family Funeral Benefit (29) - EFFB V2.1