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Universal Life (UL)

Universal Life – 1999 (policy years 1-10)

Policies issued 04/19/1999 and after:

04/99 – 6.30 11/01 – 5.70 08/03 – 4.25 05/06 – 4.50 10/07 – 4.65 07/09 – 4.20 09/23 – 4.75
07/99 – 6.55 12/01 – 5.45 09/03 – 5.05 06/06 – 4.70 11/07 – 4.85 08/09 – 4.00 11/23 – 5.15
09/99 – 7.00 01/02 - 5.75 11/03 – 4.85 08/06 – 4.85 12/07 – 4.55 10/22 – 4.10 12/23 – 5.80
10/99 – 7.00 04/02 – 6.10 01/04 - 4.60 09/06 – 4.60 01/08 – 4.75 11/22 – 4.70 01/24 – 5.05
02/00 – 7.10 05/02 – 6.35 02/04 – 4.10 10/06 – 4.35 02/08 – 4.60 12/22 – 5.10 02/24 – 4.70
04/00 – 7.35 08/02 – 6.10 04/04 – 4.00 01/07 – 4.20 05/08 – 4.75 01/23 – 4.30 03/24 – 5.35
06/00 – 7.60 09/02 – 5.50 05/04 – 4.20 02/07 – 4.30 06/08 – 5.05 02/23 – 4.75 04/24 – 5.50
07/00 – 7.35 11/02 – 5.20 06/04 – 4.54 03/07 – 4.45 07/08 – 5.15 03/23 – 4.10  
08/00 – 7.05 12/02 – 5.40 08/04 – 4.24 04/07 – 4.20 08/08 – 5.25 04/23 – 4.55  
10/00 – 6.85 03/03 – 5.25 09/04 – 4.00 05/07 – 4.50 09/08 – 5.15 05/23 – 4.25  
01/01 – 6.55 04/03 – 4.75 12/05 – 4.23 07/07 – 5.00 10/08 – 4.95 06/23 – 4.55  
02/01 – 5.85 06/03 – 4.45 01/06 – 4.05 08/07 – 5.10 01/09 – 4.60 07/23 – 4.85  
04/01 – 6.05 07/03 – 4.00 04/06 – 4.20 09/07 -4.85 04/09 – 4.40 08/23 – 4.90  


Universal Life – 1999 (policy years 11+)

Policies issued 04/19/1999 and after:

04/99 – 6.30 11/01 – 5.70 08/03 – 4.25 05/06 – 4.50 10/07 – 4.65 07/09 – 4.70 03/23 – 4.60
07/99 – 6.55 12/01 – 5.45 09/03 – 5.05 06/06 – 4.70 11/07 – 4.85 08/09 – 4.50 04/23 – 5.05
09/99 – 7.00 01/02 - 5.75 11/03 – 4.85 08/06 – 4.85 12/07 – 4.55 10/09 – 4.30 05/23 – 4.75
10/99 – 7.00 04/02 – 6.10 01/04 - 4.60 09/06 – 4.60 02/08 – 4.40 01/10 – 4.22 06/23 – 5.05
02/00 – 7.10 05/02 – 6.35 02/04 – 4.10 10/06 – 4.35 03/08 – 4.90 06/10 – 4.00 07/23 – 5.35
04/00 – 7.35 08/02 – 6.10 04/04 – 4.00 01/07 – 4.20 05/08 – 4.75 07/22 – 4.15 08/23 – 5.40
06/00 – 7.60 09/02 – 5.50 05/04 – 4.20 02/07 – 4.30 06/08 – 5.05 08/22 – 4.30 09/23 – 5.25
07/00 – 7.35 11/02 – 5.20 06/04 – 4.54 03/07 – 4.45 07/08 – 5.15 09/22 – 4.15 11/23 – 5.65
08/00 – 7.05 12/02 – 5.40 08/04 – 4.24 04/07 – 4.20 08/08 – 5.25 10/22 – 4.60 12/23 – 6.30
10/00 – 6.85 03/03 – 5.25 09/04 – 4.00 05/07 – 4.50 09/08 – 5.15 11/22 – 5.20 01/24 – 5.55
01/01 – 6.55 04/03 – 4.75 12/05 – 4.23 07/07 – 5.00 10/08 – 4.95 12/22 – 5.60 02/24 – 5.20
02/01 – 5.85 06/03 – 4.45 01/06 – 4.05 08/07 – 5.10 01/09 – 4.60 01/23 – 4.80 03/24 – 5.85
04/01 – 6.05 07/03 – 4.00 04/06 – 4.20 09/07 -4.85 04/09 – 4.90 02/23 – 5.25 04/24 – 6.00

 

Universal Life – (policy years 1-10)

Policies issued before 04/19/1999:

07/94 – 6.50 04/00 – 6.95 10/03 – 4.15 02/07 – 4.10 07/08 – 4.75 09/23 – 4.05
10/94 – 6.85 07/00 – 6.30 01/04 – 4.00 03/07 – 4.25 08/08 – 4.85 11/23 – 4.45
01/95 – 7.05 10/00 – 6.15 04/04 – 4.50 04/07 – 4.00 09/08 – 4.75 12/23 – 5.10
10/95 – 6.50 01/01 – 5.05 07/04 – 4.00 05/07 – 4.30 10/08 – 4.55 01/24 – 4.35
01/96 – 6.35 04/01 – 5.30 10/05 – 4.15 07/07 – 4.80 01/09 – 4.35 02/24 – 4.00
10/96 – 6.55 10/01 – 4.65 01/06 – 4.00 08/07 – 4.90 04/09 – 4.15 03/24 – 4.65
07/97 – 6.25 01/02 – 5.05 04/06 – 4.60 09/07 – 4.65 07/09 – 4.00 04/24 – 4.80
10/97 – 6.05 04/02 – 5.65 05/06 – 4.40 10/07 – 4.45 12/22 – 4.40  
04/98 – 5.60 07/02 – 4.80 06/06 – 4.60 11/07 – 4.65 01/23 – 4.00  
10/98 – 5.30 10/02 – 4.70 08/06 – 4.75 12/07 – 4.35 02/23 – 4.05  
04/99 – 5.65 01/03 – 4.55 09/06 – 4.50 02/08 – 4.20 03/23 – 4.00  
07/99 – 6.35 04/03 – 4.00 10/06 – 4.25 05/08 – 4.35 07/23 – 4.15  
01/00 – 6.45 07/03 – 4.35 01/07 – 4.00 06/08 – 4.65 08/23 – 4.20  

 

Universal Life – (policy years 11-20)

Policies issued before 04/19/1999:

07/04 – 4.15 04/07 – 4.25 09/08 – 5.00 06/23 – 4.10
10/04 – 4.00 05/07 – 4.55 10/08 – 4.80 07/23 – 4.40
10/05 – 4.40 07/07 – 5.05 01/09 – 4.60 08/23 – 4.45
01/06 – 4.20 08/07 – 5.15 04/09 – 4.40 09/23 – 4.30
04/06 – 4.85 09/07 – 4.90 07/09 – 4.20 11/23 – 4.70
05/06 – 4.65 10/07 – 4.70 08/09 – 4.00 12/23 – 5.35
06/06 – 4.85 11/07 – 4.90 11/22 – 4.25 01/24 – 4.60
08/06 – 5.00 12/07 – 4.60 12/22 – 4.65 02/24 – 4.25
09/06 – 4.75 02/08 – 4.45 01/23 – 4.00 03/24 – 4.90
10/06 – 4.50 05/08 – 4.60 02/23 – 4.30 04/24 – 5.05
01/07 – 4.25 06/08 – 4.90 03/23 – 4.00  
02/07 – 4.35 07/08 – 5.00 04/23 – 4.10  
03/07 – 4.50 08/08 – 5.10 05/23 – 4.00  

 

Universal Life – (policy years 21+)

Policies issued before 04/19/1999

07/14 – 4.00 02/23 – 4.95 07/23 – 5.05 01/24 – 5.25
10/22 – 4.30 03/23 – 4.30 08/23 – 5.10 02/24 – 4.90
11/22 – 4.90 04/23 – 4.75 09/23 – 4.95 03/24 – 5.55
12/22 – 5.30 05/23 – 4.45 11/23 – 5.35 04/24 – 5.70
01/23 – 4.50 06/23 – 4.75 12/23 – 6.00  


Universal Life II (UL) Non-Lapse Protection rider (LPR) – May 2002

Policies issues 08/16/2003 and after (years 1-10):

Low Band

Face<1M

High Band

Face $1M and up
08/03 – 5.55 08/03 – 5.75
03/04 – 4.85 03/04 – 5.05
10/04 – 4.35 10/04 – 4.55
04/05 – 4.20 04/05 – 4.40
05/07 – 4.30 05/07 – 4.50
04/08 – 4.50 04/08 – 4.70
01/10 – 4.35 01/10 – 4.55
09/10 – 4.10 09/10 – 4.30
09/11 – 4.00 09/11 – 4.05
03/12 – 4.00 03/12 – 4.00

Policies issues 08/16/2003 and after (years 11+):

Low Band

Face<1M

High Band

Face $1M and up
08/03 – 5.55 08/03 – 5.75
03/04 – 4.85 03/04 – 5.05
10/04 – 4.35 10/04 – 4.55
04/05 – 4.20 04/05 – 4.40
05/07 – 4.30 05/07 – 4.50
04/08 – 4.50 04/08 – 4.70
01/10 – 4.35 01/10 – 4.55
09/10 – 4.10 09/10 – 4.30
09/11 – 4.00 09/11 – 4.05
03/12 – 4.00 03/12 – 4.00
05/12 – 4.35 05-12 – 4.55
09/12 – 4.10 09/12 – 4.30
05/13 – 4.00 05/13 – 4.15
  06/20 - 4.00

 

Universal Life II (UL) with Lapse Protection rider (LPR) – May 2002

Policies issues 08/16/2003 and after (years 1-10):

Low Band

Face<1M

High Band

Face $1M and up
08/03 – 5.55 08/03 – 5.75
03/04 – 4.85 03/04 – 5.05
10/04 – 4.35 10/04 – 4.55
04/05 – 4.20 04/05 – 4.40
05/07 – 4.30 05/07 – 4.50
04/08 – 4.50 04/08 – 4.70
01/10 – 4.35 01/10 – 4.55
09/10 – 4.10 09/10 – 4.30
09/11 – 4.00 09/11 – 4.05
03/12 – 4.00 03/12 – 4.00

Policies issues 08/16/2003 and after (years 11+):

Low Band

Face<1M

High Band

Face $1M and up
08/03 – 5.55 08/03 – 5.75
03/04 – 4.85 03/04 – 5.05
10/04 – 4.35 10/04 – 4.55
04/05 – 4.20 04/05 – 4.40
05/07 – 4.30 05/07 – 4.50
04/08 – 4.50 04/08 – 4.70
01/10 – 4.35 01/10 – 4.55
09/10 – 4.10 09/10 – 4.30
09/11 – 4.00 09/11 – 4.05
03/12 – 4.00 03/12 – 4.00
05/12 – 4.35 05-12 – 4.55
09/12 – 4.10 09/12 – 4.30
05/13 – 4.00 05/13 – 4.15
  06/20 – 4.00
09/23 – 4.55 09/23 – 4.75

 

Universal Life II (UL) with Lapse Protection rider (LPR) – May 2002 (cont.)

Policies issues 08/15/2003 and before (years 1-10):

Low Band

Face<1M

High Band

Face $1M and up

Low Band

Face<1M

High Band

Face $1M and up

Low Band

Face<1M

High Band

Face $1M and up

Low Band

Face<1M

High Band

Face $1M and up
05/02 – 5.95 05/02 – 6.15 09/05 – 4.00 09/05 – 4.13 11/07 – 4.95 11/07 – 5.15 05/23 – 4.00 05/23 – 4.05
08/02 – 5.70 08/02 – 5.90 10/05 – 4.00 10/05 – 4.00 12/07 – 4.65 12/07 – 4.85 06/23 – 4.15 06/23 – 4.35
09/02 – 5.10 09/02 – 5.30 11/05 – 4.00 11/05 – 4.18 02/08 – 4.50 02/08 – 4.70 07/23 – 4.45 07/23 – 4.65
11/02 – 4.80 11/02 – 5.00 12/05 – 4.33 12/05 – 4.53 05/08 – 4.65 05/08 – 4.85 08/23 – 4.50 08/23 – 4.70
12/02 – 5.00 12/02 – 5.20 01/06 – 4.15 01/06 – 4.35 06/08 – 4.95 06/08 – 5.15 09/23 – 4.35 09/23 – 4.55
03/03 – 4.85 03/03 – 5.05 04/06 – 4.30 04/06 – 4.50 07/08 – 5.05 07/08 – 5.25 11/23 – 4.75 11/23 – 4.95
04/03 – 4.35 04/03 – 4.55 05/06 – 4.60 05/06 – 4.80 08/08 – 5.15 08/08 – 5.35 12/23 – 5.40 12/23 – 5.60
06/03 – 4.05 06/03 – 4.25 06/06 – 4.80 06/06 – 5.00 09/08 – 5.05 09/08 – 5.25 01/24 – 4.65 01/24 – 4.85
07/03 – 4.00 07/03 – 4.20 08/06 – 4.95 08/06 – 5.15 10/08 – 4.85 10/08 – 5.05 02/24 – 4.30 02/24 – 4.50
09/03 – 4.65 09/03 – 4.85 09/06 – 4.70 09/06 – 4.90 01/09 – 4.50 01/09 – 4.70 03/24 – 4.95 03/24 – 5.15
11/03 – 4.45 11/03 – 4.65 10/06 – 4.45 10/06 – 4.65 04/09 – 4.30 04/09 – 4.50 04/24 – 5.10 04/24 – 5.30
01/04 - 4.20 01/04 - 4.40 01/07 – 4.30 01/07 – 4.50 07/09 – 4.10 07/09 – 4.30    
02/04 – 4.00 02/04 – 4.20 02/07 – 4.40 02/07 – 4.60 08/09 – 4.00 08/09 – 4.10    
06/04 – 4.64 06/04 – 4.84 03/07 – 4.55 03/07 – 4.75 10/09 – 4.00 10/09 – 4.00    
08/04 – 4.34 08/04 – 4.54 04/07 – 4.30 04/07 – 4.50 11/22 – 4.30 11/22 – 4.50    
09/04 – 4.04 09/04 – 4.24 05/07 – 4.60 05/07 – 4.80 12/22 – 4.70 12/22 – 4.90    
11/04 – 4.00 11/04 – 4.00 07/07 – 5.10 07/07 – 5.30 01/23 – 4.00 01/23 – 4.10    
04/05 – 4.08 04/05 – 4.28 08/07 – 5.20 08/07 – 5.40 02/23 – 4.35 02/23 – 4.55    
06/05 – 4.00 06/05 – 4.03 09/07 – 4.95 09/07 – 5.15 03/23 – 4.00 02/23 – 4.00    
07/05 – 4.00 07/05 – 4.00 10/07 – 4.75 10/07 – 4.95 04/23 – 4.15 04/23 – 4.35    


Policies issues 08/15/2003 and before (years 11+):

Low Band

Face<1M

High Band Face $1M and up

Low Band

Face<1M

High Band Face $1M and up
05/12 – 4.00 05/12 – 4.00 07/23 – 5.30 07/23 – 5.50
07/22 – 4.10 07/22 – 4.30 08/23 – 5.35 08/23 – 5.55
08/22 – 4.25 08/22 – 4.45 09/23 – 5.20 09/23 – 5.40
09/22 – 4.10 09/22 – 4.30 11/23 – 5.60 11/23 – 5.80
10/22 – 4.55 10/22 – 4.75 12/23 – 6.25 12/23 – 6.45
11/22 – 5.15 11/22 – 5.35 01/24 – 5.50 01/24 – 5.70
12/22 – 5.55 12/22 – 5.75 02/24 – 5.15 02/24 – 5.35
01/23 – 4.75 01/23 – 4.95 03/24 – 5.80 03/24 – 6.00
02/23 – 5.20 02/23 – 5.40 04/24 – 5.95 04/24 – 6.15
03/23 – 4.55 03/23 – 4.75    
04/23 – 5.00 04/23 – 5.20    
05/23 – 4.70 05/23 – 4.90    
06/23 – 5.00 06/23 – 5.20    


Universal Life 3 – May 2003

Policies issued 04/01/2008 and after:

Low Band

Face<100k

Mid Band

High Band

Face $1M and up
04/08 – 4.30 04/08 – 4.50 04/08 – 4.70
01/10 – 4.15 01/10 – 4.35 01/10 – 4.55
09/10 – 3.90 09/10 – 4.10 09/10 – 4.30
09/11 – 3.65 09/11 – 3.85 09/11 – 4.05
03/12 – 3.30 03/12 – 3.50 03/12 – 3.70
09/12 – 3.05 09/12 – 3.25 09/12 – 3.45
05/13 – 3.00 05/13 – 3.10 05/13 – 3.30
  06/20 - 3.00 06/20 - 3.15
09/23 – 3.50 09/23 – 3.70 09/12 – 3.90


Policies issued 3/31/2008 and before:

Low Band

Face<100k

Mid Band

High Band

Face $1M and up
05/03 – 5.85 05/03 – 6.05 05/03 – 6.25
03/04 – 5.15 03/04 – 5.35 03/04 – 5.55
10/04 – 4.65 10/04 – 4.85 10/04 – 5.05
04/05 – 4.50 04/05 – 4.70 04/05 – 4.90
05/07 – 4.60 05/07 – 4.80 05/07 – 5.00
04/08 – 4.80 04/08 – 5.00 04/08 – 5.20
01/10 – 4.65 01/10 – 4.85 01/10 – 5.05
09/10 – 4.40 09/10 – 4.60 09/10 – 4.80
09/11 – 4.15 09/11 – 4.35 09/11 – 4.55
03/12 – 3.80 03/12 – 4.00 03/12 – 4.20
09/12 – 3.55 09/12 – 3.75 09/12 – 3.95
05/13 – 3.40 05/13 – 3.60 05/13 – 3.80
06/20 - 3.25 06/20 - 3.45 06/20 - 3.65
09/23 – 4.00 09/23 – 4.20 09/23 – 4.40


Universal Life Accumulator

Policy years 1-10:

Mid Band Base only

High Band Base Only

Mid Band with ACSV Rider

High Band with ACSV Rider

03/05 – 4.95

03/05 – 5.20

03/05 – 4.65

03/05 – 4.90

04/05 – 4.80

04/05 – 5.05

04/05 – 4.50

04/05 – 4.75

05/07 – 4.90

05/07 – 5.15

05/07 – 4.60

05/07 – 4.85

04/08 – 5.10

04/08 – 5.35

04/08 – 4.80

04/08 – 5.05

01/10 – 4.95

01/10 – 5.20

01/10 – 4.65

01/10 – 4.90

09/10 – 4.70

09/10 – 4.95

09/10 – 4.40

09/10 – 4.65

09/11 – 4.45

09/11 – 4.70

09/11 – 4.15

09/11 – 4.40

03/12 – 4.10

03/12 – 4.35

03/12 – 3.80

03/12 – 4.05

09/12 – 3.85

09/12 – 4.10

09/12 – 3.55

09/12 – 3.80

05/13 – 3.70

05/13 – 3.95

05/13 – 3.40

05/13 – 3.65
06/20 - 3.55 06/20 - 3.80 06/20 - 3.25 06/20 - 3.50
09/23 – 4.30 09/23 – 4.55 09/23 - 4.00 09/23 – 4.25

Policy years 11+

Mid Band Base only

High Band Base Only

Mid Band with ACSV Rider

High Band with ACSV Rider

02/15 – 4.00

02/15 – 4.25

02/15 – 3.70

02/15 – 3.95
06/20 - 3.85 06/20 - 4.10 06/20 - 3.55 06/20 - 3.80
09/23 – 4.60 09/23 – 4.85 09/23 – 4.30 09/23 – 4.55


Universal Life Protector

Policy years 1-15:

02/04 – 5.40
03/04 – 4.70
10/04 – 4.20
04/05 – 4.05
05/07 – 4.15
04/08 – 4.35
01/10 – 4.20
09/10 – 3.95
09/11 – 3.70

03/12 – 3.35
09/12 – 3.10
05/13 – 3.00

Policy years 16+:

02/19 - 3.30


UL Protector II

08/05 – 4.05

05/07 – 4.15

04/08 – 4.35

01/10 – 4.20

09/10 – 3.95

09/11 – 3.70

03/12 – 3.35

09/12 – 3.10

05/13 – 3.00
08/20 – 3.30


Universal Life Protector III

05/06 – 3.05
05/07 – 3.15
04/08 - 3.35
01/10 – 3.20
09/10 – 3.00

Universal Flex (Base)

Policies issued 09/01/2012 and after (policy years 1-5):

Low Band Face<100k

 Mid Band

High Band Face $1M and up
09/12 – 3.50 09/12 – 3.80 09/12 – 4.00
05/13 – 3.35 05/13 – 3.65 05/13 – 3.85
 
06/20 - 3.20 06/20 - 3.50 06/20 - 3.70
09/23 - 3.95 09/23 - 4.25 09/23 - 4.45

Policies issued 09/01/2012 and after (policy years 6+):

Low Band Face<100k

 Mid Band

High Band Face $1M and up
09/17 – 3.65 09/17 – 3.95 09/17 – 4.15
06/20 - 3.50 06/20 - 3.80 06/20 - 4.00
09/23 - 4.25 09/23 - 4.55 09/23 - 4.75

Policies issued between 09/01/2011 and 08/31/2012 (policy years 1-5):

Low Band

Face<100k

 Mid Band

High Band

Face $1M and up
09/11 – 4.00 09/11 – 4.30 09/11 – 4.50
03/12 – 3.65 03/12 – 3.95 03/12 – 4.15
09/12 – 3.40 09/12 – 3.70 09/12 – 3.90
05/13 – 3.25 05/13 – 3.55 05/13 – 3.75
06/20 - 3.10 06/20 - 3.40 06/20 - 3.60
09/23 - 3.85 09/23 - 4.15 09/23 - 4.35

Policies issued between 09/01/2011 and 08/31/2012 (policy years 6+):

Low Band Face<100k

 Mid Band

High Band Face $1M and up
08/16 - 3.55 08/16 - 3.85 08/16 - 4.05
06/20 - 3.40 06/20 - 3.70 06/20 - 3.90
09/23 - 4.15 09/23 - 4.45 09/23 - 4.65


Policies issued before 09/01/2011 (policy years 1-5):

Low Band Face<100k

 Mid Band

High Band Face $1M and up
07/08 – 4.40 07/08 – 4.70 07/08 – 4.90
01/10 – 4.25 01/10 – 4.55 01/10 – 4.75
09/10 – 4.00 09/10 – 4.30 09/10 – 4.50
09/11 – 3.75 09/11 – 4.05 09/11 – 4.25
03/12 – 3.40 03/12 – 3.70 03/12 – 3.90
09/12 – 3.15 09/12 – 3.45 09/12 – 3.65
05/13 – 3.00 05/13 – 3.30 05/13 – 3.50
  06/20 - 3.15 06/20 - 3.35
09/23 - 3.60 09/23 - 3.90 09/23 - 4.10

Policies issued before 09/01/2011 (policy years 6+):

Low Band Face<100k

 Mid Band

High Band Face $1M and up
07/08 – 4.40 07/08 – 4.70 07/08 – 4.90
01/10 – 4.25 01/10 – 4.55 01/10 – 4.75
09/10 – 4.00 09/10 – 4.30 09/10 – 4.50
09/11 – 3.75 09/11 – 4.05 09/11 – 4.25
03/12 – 3.40 03/12 – 3.70 03/12 – 3.90
09/12 – 3.15 09/12 – 3.45 09/12 – 3.65
05/13 – 3.00 05/13 – 3.30 05/13 – 3.50
04/14 - 3..0 04/14 - 3.60 04/14 - 3.80
06/20 - 3.15 06/20 - 3.45 06/20 - 3.65
09/23 - 3.90 09/23 - 4.20 09/23 - 4.40

Universal Flex (Accumulation)

Policies issued 09/01/2011 and after:

09/11 – 5.10
03/12 – 4.75
09/12 – 4.50
05/13 – 4.35
06/20 - 4.20
09/23 - 4.95


Policies issued before 09/01/2011:

07/09 – 5.60
01/10 – 5.45
09/10 – 5.20
09/11 – 4.95
03/12 – 4.60
09/12 – 4.35
05/13 – 4.20
06/20 - 4.05
09/23 - 4.80

Indexed Universal Life Flex

Caps:

Price Return Cap Total Return Cap
11/13 - 11.00% 11/13 – 18.00%
02/14 - 12.00% 02/14 - 18.00%
05/20 - 11.00% 05/20 - 17.00%
11/20 - 10.50% 11/20 - 16.00%
10/23 - 9.50% 10/23 - 13.00%


Participation Rate:

Price Return Participation Rate Total Return Participation Rate
11/13 - 100% 11/13 – 100%
02/14 - 100% 02/14 - 110%
  10/23 - 100%


Floor:

Price Return Floor Total Return Floor
11/13 - 0% 11/13 – 0%

 

Fixed Account Rate
11/13 - 4.50%
06/20 - 4.35%
09/23 - 5.10%

 

Variable Universal Life (VUL)

Variable Universal Life (VUL) Accumulator I

Policies issues 08/15/2003 and before (policy years 1-10):

05/02 – 5.65 02/04 – 3.40 09/05 – 3.63 03/07 – 4.25 08/08 – 4.85 10/22 – 3.40 12/23 – 5.10
08/02 – 5.40 04/04 – 3.15 10/05 – 3.38 04/07 – 4.00 09/08 – 4.75 11/22 – 4.00 01/24 – 4.35
09/02 – 4.80 05/04 – 3.50 11/05 – 3.68 05/07 – 4.30 10/08 – 4.55 12/22 – 4.40 02/24 – 4.00
11/02 – 4.50 06/04 – 4.34 12/05 – 4.03 07/07 – 4.80 01/09 – 4.20 01/23 – 3.60 03/24 – 4.65
12/02 – 4.70 08/04 – 4.04 01/06 – 3.85 08/07 – 4.90 04/09 – 4.00 02/23 – 4.05 04/24 – 4.80
03/03 – 4.55 09/04 – 3.74 04/06 – 4.00 09/07 – 4.65 07/09 – 3.80 03/23 – 3.40  
04/03 – 4.05 11/04 – 3.49 05/06 – 4.30 10/07 – 4.45 08/09 – 3.60 04/23 – 3.85  
06/03 – 3.75 01/05 – 3.53 06/06 – 4.50 11/07 – 4.65 10/09 – 3.40 05/23 – 3.55  
07/03 – 3.25 03/05 – 3.33 08/06 – 4.65 12/07 – 4.35 01/10 – 3.32 06/23 – 3.85  
08/03 – 3.55 04/05 – 3.78 09/06 – 4.40 02/08 – 4.20 06/10 – 3.07 07/23 – 4.15  
09/03 – 4.35 06/05 – 3.53 10/06 – 4.15 05/08 – 4.35 08/10 – 3.00 08/23 – 4.20  
11/03 – 4.15 07/05 – 3.28 01/07 – 4.00 06/08 – 4.65 08/22 – 3.10 09/23 – 4.05  
01/04  - 3.90 08/05 – 3.38 02/07 – 4.10 07/08 – 4.75 09/22 – 3.00 11/23 – 4.45  


Policies issues 08/15/2003 and before (policy years 11+):

05/12 – 3.00 02/23 – 4.95 12/23 – 6.00
06/22 – 3.50 03/23 – 4.30 01/24 – 5.25
07/22 – 3.85 04/23 – 4.75 02/24 – 4.90
08/22 – 4.00 05/23 – 4.45 03/24 – 5.55
09/22 – 3.85 06/23 – 4.75 04/24 – 5.70
10/22 – 4.30 07/23 – 5.05  
11/22 – 4.90 08/23 – 5.10  
12/22 – 5.30 09/23 – 4.95  
01/23 – 4.50 11/23 – 5.35  


Policies issues 08/16/2003 and after (policy years 1-10):

05/02 – 5.65 02/04 – 3.40 09/05 – 3.63 03/07 – 4.25 08/08 – 4.85
08/02 – 5.40 04/04 – 3.15 10/05 – 3.38 04/07 – 4.00 09/08 – 4.75
09/02 – 4.80 05/04 – 3.50 11/05 – 3.68 05/07 – 4.30 10/08 – 4.55
11/02 – 4.50 06/04 – 4.34 12/05 – 4.03 07/07 – 4.80 01/09 – 4.20
12/02 – 4.70 08/04 – 4.04 01/06 – 3.85 08/07 – 4.90 04/09 – 4.00
03/03 – 4.55 09/04 – 3.74 04/06 – 4.00 09/07 – 4.65 07/09 – 3.80
04/03 – 4.05 11/04 – 3.49 05/06 – 4.30 10/07 – 4.45 08/09 – 3.60
06/03 – 3.75 01/05 – 3.53 06/06 – 4.50 11/07 – 4.65 10/09 – 3.40
07/03 – 3.25 03/05 – 3.33 08/06 – 4.65 12/07 – 4.35 01/10 – 3.32
08/03 – 3.55 04/05 – 3.78 09/06 – 4.40 02/08 – 4.20 06/10 – 3.07
09/03 – 4.35 06/05 – 3.53 10/06 – 4.15 05/08 – 4.35 08/10 – 3.00
11/03 – 4.15 07/05 – 3.28 01/07 – 4.00 06/08 – 4.65 09/23 – 3.40
01/04  - 3.90 08/05 – 3.38 02/07 – 4.10 07/08 – 4.75  


Policies issues 08/16/2003 and after (policy years 11-20):

05/02 – 5.65 02/04 – 3.40 09/05 – 3.63 03/07 – 4.25 08/08 – 4.85 09/23 – 3.65
08/02 – 5.40 04/04 – 3.15 10/05 – 3.38 04/07 – 4.00 09/08 – 4.75  
09/02 – 4.80 05/04 – 3.50 11/05 – 3.68 05/07 – 4.30 10/08 – 4.55  
11/02 – 4.50 06/04 – 4.34 12/05 – 4.03 07/07 – 4.80 01/09 – 4.20  
12/02 – 4.70 08/04 – 4.04 01/06 – 3.85 08/07 – 4.90 04/09 – 4.00  
03/03 – 4.55 09/04 – 3.74 04/06 – 4.00 09/07 – 4.65 07/09 – 3.80  
04/03 – 4.05 11/04 – 3.49 05/06 – 4.30 10/07 – 4.45 08/09 – 3.60  
06/03 – 3.75 01/05 – 3.53 06/06 – 4.50 11/07 – 4.65 10/09 – 3.40  
07/03 – 3.25 03/05 – 3.33 08/06 – 4.65 12/07 – 4.35 01/10 – 3.32  
08/03 – 3.55 04/05 – 3.78 09/06 – 4.40 02/08 – 4.20 06/10 – 3.07  
09/03 – 4.35 06/05 – 3.53 10/06 – 4.15 05/08 – 4.35 08/10 – 3.00  
11/03 – 4.15 07/05 – 3.28 01/07 – 4.00 06/08 – 4.65 08/13 – 3.05  
01/04  - 3.90 08/05 – 3.38 02/07 – 4.10 07/08 – 4.75 06/20 - 3.00  

 

Policies issues 08/16/2003 and after (policy years 21+)

08/23 - 3.55
09/23 – 4.30

 

 

Variable Universal Life (VUL) Accumulator II

Policies issues 08/16/2003 and after (policy years 1-10):

08/03 – 5.25
03/04 – 4.55
10/04 – 4.05
04/05 – 3.90
05/07 – 4.00
04/08 – 4.20
01/10 – 4.05
09/10 – 3.80
09/11 – 3.55
03/12 – 3.20
09/12 – 3.00
09/23 – 3.40


Policies issues 08/16/2003 and after (policy years 11-20):

08/03 – 5.25
03/04 – 4.55
10/04 – 4.05
04/05 – 3.90
05/07 – 4.00
04/08 – 4.20
01/10 – 4.05
09/10 – 3.80
09/11 – 3.55
03/12 – 3.20
09/12 – 3.00
08/13 – 3.05
06/20 - 3.00
09/23 – 3.65

Policies issues 08/16/2003 and after (policy years 21+)

08/23 - 3.55
09/23 – 4.30


Policies issues 08/15/2003 and before (policy years 1-10):

02/03 – 4.70 05/04 – 3.50 09/05 – 3.63 01/07 – 4.00 02/08 – 4.20 10/09 – 3.40 03/23 – 3.40 03/24 – 4.65
03/03 – 4.55 06/04 – 4.34 10/05 – 3.38 02/07 – 4.10 05/08 – 4.35 01/10 – 3.32 04/23 – 3.85 04/24 – 4.80
04/03 – 4.05 08/04 – 4.04 11/05 – 3.68 03/07 – 4.25 06/08 – 4.65 06/10 – 3.07 05/23 – 3.55  
06/03 – 3.75 09/04 – 3.74 12/05 – 4.03 04/07 – 4.00 07/08 – 4.75 08/10 – 3.00 06/23 – 3.85  
07/03 – 3.25 11/04 – 3.49 01/06 – 3.85 05/07 – 4.30 08/08 – 4.85 08/22 – 3.10 07/23 – 4.15  
08/03 – 3.55 01/05 – 3.53 04/06 – 4.00 07/07 – 4.80 09/08 – 4.75 09/22 – 3.00 08/23 – 4.20  
09/03 – 4.35 03/05 – 3.33 05/06 – 4.30 08/07 – 4.90 10/08 – 4.55 10/22 – 3.40 09/23 – 4.05  
11/03 – 4.15 04/05 – 3.78 06/06 – 4.50 09/07 – 4.65 01/09 – 4.20 11/22 – 4.00 11/23 – 4.45  
01/04 – 3.90 06/05 – 3.53 08/06 – 4.65 10/07 – 4.45 04/09 – 4.00 12/22 – 4.40 12/23 – 5.10  
02/04 – 3.40 07/05 – 3.28 09/06 – 4.40 11/07 – 4.65 07/09 – 3.80 01/23 – 3.60 01/24 – 4.35  
04/04 – 3.15 08/05 – 3.38 10/06 – 4.15 12/07 – 4.35 08/09 – 3.60 02/23 – 4.05 02/24 – 4.00  


Policies issues 08/15/2003 and before (policy years 11+):

02/13 – 3.00 01/23 – 4.50 09/23 – 4.95
06/22 – 3.50 02/23 – 4.95 11/23 – 5.35
07/22 – 3.85 03/23 – 4.30 12/23 – 6.00
08/22 – 4.00 04/23 – 4.75 01/24 – 5.25
09/22 – 3.85 05/23 – 4.45 02/24 – 4.90
10/22 – 4.30 06/23 – 4.75 03/24 – 5.55
11/22 – 4.90 07/23 – 5.05 04/24 – 5.70
12/22 – 5.30 08/23 – 5.10  


VUL Income

Policy Years 1-10:

08/04 – 4.55
10/04 – 4.05
04/05 – 3.90
05/07 – 4.00
04/08 – 4.20
01/10 – 4.05
09/10 – 3.80
09/11 – 3.55

03/12 – 3.20

09/12 – 3.00
09/23 – 3.40

 

Policy Years 10+:

08/14 – 3.00
11/17 – 3.05
07/20 – 3.00
09/23 – 3.65

Benefit Variable Universal Life (BVUL)

02/04 – 4.80

10/04 – 4.30

04/05 – 4.15

05/07 – 4.25

04/08 – 4.45

01/10 – 4.30

09/10 – 4.05

09/11 – 3.80

03/12 – 3.45

09/12 – 3.20

05/13 – 3.05

06/20 – 3.00

09/23 - 3.65

Executive Variable Universal Life (EVUL)

02/04 – 4.80

10/04 – 4.30

04/05 – 4.15

05/07 – 4.25

04/08 – 4.45

01/10 – 4.30

09/10 – 4.05

09/11 – 3.80

03/12 – 3.45

09/12 – 3.20

05/13 – 3.05

06/20 – 3.00

09/23 - 3.65

Benefit Variable Universal Life 2 (BVUL2)

Policy Years 1-10:

10/08 – 5.15

01/10 – 5.00

09/10 – 4.75

09/11 – 4.50

03/12 – 4.15

09/12 – 3.90

05/13 – 3.75

06/20 – 3.60

09/23 – 4.35

Policy Years 11+

10/18 - 3.20
09/23 – 3.95

Executive Variable Universal Life 2 (EVUL2)

10/08 – 4.65

01/10 – 4.50

09/10 – 4.25

09/11 – 4.00

03/12 – 3.65

09/12 – 3.40

05/13 – 3.25

06/20 – 3.10
09/23 – 3.85

 


Prinflex Life  (issue years 1-10)

04/97 – 6.55 02/01 – 5.15 02/04 – 3.40 09/06 – 3.90 10/08 – 4.05 09/23 – 4.05
07/97 – 6.30 04/01 – 5.35 04/04 – 3.15 10/06 – 3.65 01/09 – 3.70 11/23 – 4.45
10/97 – 6.05 11/01 – 5.00 05/04 – 3.50 01/07 – 3.50 04/09 – 3.50 12/23 – 5.10
01/98 – 6.05 12/01 – 4.75 06/04 – 3.84 02/07 – 3.60 07/09 – 3.30 01/24 – 4.35
04/98 – 5.60 01/02 – 5.05 08/04 – 3.54 03/07 – 3.75 08/09 – 3.10 02/24 – 4.00
07/98 – 5.60 04/02 – 5.40 09/04 – 3.24 04/07 – 3.50 10/09 – 3.00 03/24 – 4.65
10/98 – 5.30 05/02 – 5.65 11/04 – 3.00 05/07 – 3.80 08/22 – 3.10 04/24 – 4.80
01/99 – 5.30 08/02 – 5.40 04/05 – 3.28 07/07 - 4.30 09/22 – 3.00  
04/99 – 5.60 09/02 – 4.80 06/05 – 3.03 08/07 – 4.40 10/22 – 3.40  
07/99 – 5.85 11/02 – 4.50 07/05 – 3.00 09/07 – 4.15 11/22 – 4.00  
09/99 – 6.30 12/02 – 4.70 09/05 – 3.13 10/07 – 3.95 12/22 – 4.40  
10/99 – 6.30 03/03 – 4.55 10/05 – 3.00 11/07 – 4.15 01/23 – 3.60  
02/00 – 6.40 04/03 – 4.05 11/05 – 3.18 12/07 – 3.85 02/23 – 4.05  
04/00 – 6.65 06/03 – 3.75 12/05 – 3.53 02/08 – 3.70 03/23 – 3.40  
06/00 – 6.90 07/03 – 3.25 01/06 – 3.35 05/08 – 3.85 04/23 – 3.85  
07/00 – 6.65 08/03 – 3.55 04/06 – 3.50 06/08 – 4.15 05/23 – 3.55  
08/00 – 6.35 09/03 – 4.35 05/06 – 3.80 07/08 – 4.25 06/23 – 3.85  
10/00 – 6.15 11/03 – 4.15 06/06 – 4.00 08/08 – 4.35 07/23 – 4.15  
01/01 – 5.85 01/04  - 3.90 08/06 – 4.15 09/08 – 4.25 08/23 – 4.20  

 

Prinflex Life  (issue years 11-20)

04/97 – 6.55 02/01 – 5.15 02/04 – 3.40 09/06 – 3.90 10/08 – 4.05 06/23 – 4.10
07/97 – 6.30 04/01 – 5.35 04/04 – 3.15 10/06 – 3.65 01/09 – 3.70 07/23 – 4.40
10/97 – 6.05 11/01 – 5.00 05/04 – 3.50 01/07 – 3.50 04/09 – 3.50 08/23 – 4.45
01/98 – 6.05 12/01 – 4.75 06/04 – 3.84 02/07 – 3.60 07/09 – 3.55 09/23 – 4.30
04/98 – 5.60 01/02 – 5.05 08/04 – 3.54 03/07 – 3.75 08/09 – 3.35 11/23 – 4.70
07/98 – 5.60 04/02 – 5.40 09/04 – 3.24 04/07 – 3.50 10/09 – 3.15 12/23 – 5.35
10/98 – 5.30 05/02 – 5.65 11/04 – 3.00 05/07 – 3.80 01/10 – 3.07 01/24 – 4.60
01/99 – 5.30 08/02 – 5.40 04/05 – 3.28 07/07 - 4.30 06/10 – 3.00 02/24 – 4.25
04/99 – 5.60 09/02 – 4.80 06/05 – 3.03 08/07 – 4.40 07/22 – 3.20 03/24 – 4.90
07/99 – 5.85 11/02 – 4.50 07/05 – 3.00 09/07 – 4.15 08/22 – 3.35 04/24 – 5.05
09/99 – 6.30 12/02 – 4.70 09/05 – 3.13 10/07 – 3.95 09/22 – 3.20  
10/99 – 6.30 03/03 – 4.55 10/05 – 3.00 11/07 – 4.15 10/22 – 3.65  
02/00 – 6.40 04/03 – 4.05 11/05 – 3.18 12/07 – 3.85 11/22 – 4.25  
04/00 – 6.65 06/03 – 3.75 12/05 – 3.53 02/08 – 3.70 12/22 – 4.65  
06/00 – 6.90 07/03 – 3.25 01/06 – 3.35 05/08 – 3.85 01/23 – 3.85  
07/00 – 6.65 08/03 – 3.55 04/06 – 3.50 06/08 – 4.15 02/23 – 4.30  
08/00 – 6.35 09/03 – 4.35 05/06 – 3.80 07/08 – 4.25 03/23 – 3.65  
10/00 – 6.15 11/03 – 4.15 06/06 – 4.00 08/08 – 4.35 04/23 – 4.10  
01/01 – 5.85 01/04  - 3.90 08/06 – 4.15 09/08 – 4.25 05/23 – 3.80  

Prinflex Life  (policy years 21+)

06/22 – 3.50 02/23 – 4.95 11/23 – 5.35
07/22 – 3.85 03/23 – 4.30 12/23 – 6.00
08/22 – 4.00 04/23 – 4.75 01/24 – 5.25
09/22 – 3.85 05/23 – 4.45 02/24 – 4.90
10/22 – 4.30 06/23 – 4.75 03/24 – 5.55
11/22 – 4.90 07/23 – 5.05 04/24 – 5.70
12/22 – 5.30 08/23 – 5.10  
01/23 – 4.50 09/23 – 4.95  


Other

Adjustable Life (1-4), Whole Life, Survivorship Whole Life (1-3)
 

01/75 – 9.162

04/85 – 11.774

10/95 – 7.750

11/03 – 5.74

10/08 – 6.09

03/16 – 3.48

 11/22 – 5.44

04/75 – 9.162

07/85 – 10.980

01/96 – 7.500

01/04 - 5.49

11/08 – 6.25

05/16 – 3.16

 12/22 – 5.84

07/75 – 9.162

10/85 – 10.980

04/96 – 7.500

02/04 – 5.04

01/09 – 6.18

06/16 – 3.09

 01/23 – 5.21

10/75 – 9.162

01/86 – 10.290

07/96 – 7.500

04/04 – 4.79

02/09 – 6.12

08/16 – 2.84

 02/23 – 5.59

01/76 – 8.948

04/86 – 8.905

10/96 – 7.750

05/04 – 5.11

03/09 – 5.93

11/16 – 2.85

 03/23 – 4.99

04/76 – 8.948

07/86 – 9.293

01/97 – 7.750

06/04 – 5.98

04/09 – 5.71

12/16 – 2.99

 04/23 – 5.32

07/76 – 8.948

10/86 – 8.932

04/97 – 7.750

08/04 – 5.78

05/09 – 5.76

01/17 – 3.46

 05/23 – 5.04

10/76 – 8.948

01/87 – 8.932

07/97 – 7.500

09/04 – 5.51

07/09 – 5.63

02/17 – 3.62

 06/23 – 5.38

01/77 – 8.258

04/87 – 8.991

10/97 – 7.250

11/04 – 5.23

08/09 – 5.44

03/17 – 3.51

 07/23 – 5.64

04/77 – 8.258

07/87 – 9.508

01/98 – 7.250

03/05 – 5.04

10/09 – 5.23

05/17 – 3.41

 08/23 – 5.70

07/77 – 8.258

10/87 – 9.818

04/98 – 6.800

04/05 – 5.41

01/10 – 5.06

06/17 – 3.33

 09/23 – 5.51

10/77 – 8.258

01/88 – 10.148

07/98 – 7.070

06/05 – 5.21

05/10 – 4.96

07/17 – 3.14

 11/23 –5.89

01/78 – 8.573

04/88 – 9.407

10/98 – 6.820

07/05 – 4.96

06/10 – 4.69

08/17 – 3.28

 12/23 – 6.47

04/78 – 8.573

07/88 – 9.563

01/99 – 6.82

08/05 – 5.04

08/10 – 4.41

09/17 – 3.13

 01/24 – 5.85

07/78 – 8.573

10/88 – 9.763

04/99 – 7.12

09/05 – 5.25

09/10 – 4.20

10/17 – 3.07

 02/24 – 5.45

10/78 – 8.573

01/89 – 9.862

07/99 – 7.37

10/05 – 5.04

02/11 – 4.18

11/17 – 3.21

 03/24 – 6.08

01/79 – 9.322

04/89 – 10.400

09/99 – 7.82

11/05 – 5.30

07/11 – 4.04

01/18 – 3.28

 04/24 – 6.23

04/79 – 9.322

07/89 – 9.947

10/99 – 7.82

12/05 – 5.64

09/11 – 3.81

03/18 – 3.37

  

07/79 – 9.322

10/89 – 9.445

02/00 – 7.92

01/06 – 5.48

01/12 – 3.50

04/18 – 3.55

  

10/79 – 9.322

01/90 – 9.445

04/00 – 8.17

04/06 – 5.61

06/12 – 3.25

06/18 – 3.74

  

01/80 – 10.445

04/90 – 10.015

06/00 – 8.42

05/06 – 5.89

09/12 - 3.01

09/18 – 3.79

  

04/80 – 10.445

07/90 – 9.911

07/00 – 8.17

06/06 – 6.08

12/12 – 2.77

10/18 - 3.76

  

07/80 – 10.445

10/90 – 9.675

08/00 – 7.87

08/06 – 6.26

01/13 – 2.54

11/18 – 4.01

  

10/80 – 10.445

01/91 – 9.356

10/00 – 7.67

09/06 – 6.03

03/13 – 2.75

12/18 – 4.08

  

01/81 – 13.126

04/91 – 9.104

01/01 – 7.37

10/06 – 5.81

05/13 – 2.62

01/19 – 4.07

  

04/81 – 13.126

07/91 – 9.104

02/01 – 6.67

01/07 – 5.54

06/13 – 2.77

02/19 – 3.90

  

07/81 – 13.126

10/91 – 8.890

04/01 – 6.87

02/07 – 5.61

07/13 – 2.97

03/19 – 3.81

  

10/81 – 13.126

01/92 – 8.564

11/01 – 6.52

03/07 – 5.75

08/13 – 3.38

04/19 – 3.76

  

01/82 – 15.131

04/92 – 8.564

12/01 – 6.27

04/07 – 5.54

10/13 – 3.58

05/19 – 3.49

  

04/82 – 15.027

07/92 – 8.268

01/02 - 6.57

05/07 – 5.80

02/14 – 3.61

07/19 – 3.21

  

07/82 – 14.916

10/92 – 8.268

04/02 – 6.94

07/07 – 6.26

04/14 – 3.47

08/19 – 3.09

  

10/82 – 13.099

01/93 – 8.130

05/02 – 7.17

08/07 – 6.36

06/14 – 3.33

09/19 – 2.87

  

01/83 – 12.020

04/93 – 7.906

08/02 – 6.95

09/07 – 6.17

09/14 – 3.15

10/19 – 2.66

  

04/83 – 12.020

07/93 – 7.906

09/02 – 6.41

10/07 – 5.98

02/15 – 2.97

12/19 - 2.79

  

07/83 – 11.780

10/93 – 7.700

11/02 – 6.11

11/07 – 6.16

05/15 – 2.96

01/20 - 2.83

  

10/83 – 12.355

01/94 – 7.300

12/02 – 6.26

12/07 – 5.89

07/15 – 3.15

2/20 - 2.80

  

01/84 – 12.355

04/94 – 7.300

03/03 – 6.14

02/08 – 5.72

08/15 - 3.26

03/20 - 2.63

  

04/84 – 12.355

07/94 – 7.600

04/03 – 5.68

05/08 – 5.89

09/15 – 3.41

04/20 - 2.36

  

04/84 – 13.368

10/94 – 8.150

06/03 – 5.38

06/08 – 6.16

10/15 – 3.50

05/20 - 3.31

  

07/84 – 13.368

01/95 – 8.350

07/03 – 4.92

07/08 – 6.25

12/15 – 3.56

06/20 - 2.96

  

10/84 – 12.901

04/95 – 8.350

08/03 – 5.15

08/08 – 6.35

01/16 – 3.64

07/20 - 2.62

  

01/85 – 11.774

07/95 – 8.350

09/03 – 5.85

09/08 – 6.27

02/16 – 3.74

08/20 - 2.40

  
          09/20 - 2.20  
          10/20 - 2.06  
          11/20 - 2.10  
          12/20 - 2.33  
          01/21 - 2.22  
          02/21 - 2.10  
          03/21 - 2.31  
          04/21 - 2.62  
          05/21 - 2.72  
          06/21 - 2.65  
          07/21 - 2.52  
          08/21 - 2.49  
          09/21 - 2.32  
          10/21 - 2.34  
          11/21 - 2.46  
          12/21 - 2.54  
          01/22 - 2.48  
          02/22 - 2.60  
          03/22 - 3.09  
          04/22 - 3.16  
          05/22 - 3.70  
          06/22 - 4.21  
          07/22 - 4.43  
          08/22 – 4.61  
          09/22 – 4.49  
          10/22 – 4.91  

 

Interest Sensitive Whole Life (ISWL)

Policy Years 1-10:

11/03 – 5.95 09/23 - 4.10
03/04 – 5.25  
10/04 – 4.75  
04/05 – 4.60  
05/07 – 4.70  
04/08 – 4.90  
01/10 – 4.75  
09/10 – 4.50  
09/11 – 4.25  
03/12 – 3.90  
09/12 – 3.65  
05/13 – 3.50  
06/20 - 3.35  

Policy Years 11+:

11/13 – 3.50
11/17 – 4.00
07/20 – 3.85
09/23 - 4.60

First-to-Die

Policies issues 10/01/1999 and after (policy years 1-12):

10/99 – 6.65 01/02 – 5.40 08/06 – 4.72 07/08 – 4.99 02/24 – 4.50
02/00 – 6.75 04/02 – 5.75 09/06 – 4.50 08/08 – 5.09 03/24 – 5.00
04/00 – 7.00 05/02 – 6.00 07/07 – 4.90 09/08 – 4.99 04/24 – 5.15
06/00 – 7.25 08/02 – 5.75 08/07 – 5.00 10/08 – 4.79  
07/00 – 7.00 09/02 – 5.15 09/07 – 4.75 01/09 – 4.50  
08/00 – 6.70 11/02 – 4.85 10/07 – 4.55 12/22 –4.75  
10/00 – 6.50 12/02 – 5.05 11/07 – 4.75 01/23 – 4.50  
01/01 – 6.20 03/03 – 4.90 12/07 – 4.50 08/23 - 4.55  
02/01 – 5.50 04/03 – 4.50 01/08 – 4.59 09/23 – 4.50  
04/01 – 5.70 09/03 – 4.70 02/08 – 4.50 11/23 – 4.80  
11/01 – 5.35 11/03 – 4.50 05/08 – 4.59 12/23 – 5.45  
12/01 – 5.10 06/06 – 4.57 06/08 – 4.89 01/24 – 4.70  

Policies issues 10/01/1999 and after (policy years 13-20)

10/11 – 4.50 02/23 – 4.90 06/23 – 4.70 11/23 – 5.30 03/24 – 5.50
11/22 – 4.85 03/23 – 4.50 07/23 – 5.00 12/23 – 5.95 04/24 – 5.65
12/22 – 5.25 04/23 – 4.70 08/23 - 5.05 01/24 – 4.20  
01/23 – 4.50 05/23 – 4.50 09/23 – 4.90 02/24 – 4.85  

Policies issues 09/30/1999 and before (policy years 1-12)

11/93 – 7.40 07/97 – 6.95 08/00 – 7.00 04/03 – 4.70 04/07 – 4.50 10/08 – 5.09 02/24 – 4.65
01/94 – 7.00 10/97 – 6.70 10/00 – 6.80 06/03 – 4.50 05/07 – 4.70 01/09 – 4.74 03/24 – 5.30
06/94 – 7.25 01/98 – 6.83 01/01 – 6.50 09/03 – 5.00 07/07 – 5.20 04/09 – 4.54 04/24 – 5.45
08/94 – 7.50 04/98 – 6.38 02/01 – 5.80 11/03 – 4.80 08/07 – 5.30 07/09 – 4.50  
10/94 – 7.75 07/98 – 6.25 04/01 – 6.00 01/04 - 4.55 09/07 – 5.05 11/22 – 4.65  
01/95 – 7.95 10/98 – 5.95 11/01 – 5.65 02/04 – 4.50 10/07 – 4.85 12/22 – 5.05  
04/95 – 7.95 01/99 – 5.95 12/01 – 5.40 06/04 – 4.52 11/07 – 5.05 01/23 – 4.50  
07/95 – 7.95 03/99 – 6.25 01/02 - 5.70 08/04 – 4.50 12/07 – 4.75 02/23 – 4.70  
10/95 – 7.40 07/99 – 6.50 04/02 – 6.05 05/06 – 4.67 02/08 – 4.60 03/23 – 4.50  
01/96 – 7.00 09/99 – 6.95 05/02 – 6.30 06/06 – 4.87 03/08 – 4.85 07/23 – 4.80  
04/96 – 7.00 10/99 – 6.95 08/02 – 6.05 08/06 – 5.02 05/08 – 4.89 08/23 - 4.85  
07/96 – 7.00 02/00 – 7.05 09/02 – 5.45 09/06 – 4.77 06/08 – 5.19 09/23 – 4.70  
10/96 – 7.20 04/00 – 7.30 11/02 – 5.15 10/06 – 4.52 07/08 – 5.29 11/23 – 5.10  
01/97 – 7.20 06/00 – 7.55 12/02 – 5.35 01/07 – 4.50 08/08 – 5.39 12/23 – 5.75  
04/97 – 7.20 07/00 – 7.30 03/03 – 5.20 03/07 – 4.65 09/08 – 5.29 01/24 – 5.00  

           

First-to-Die

Policies issues 09/30/1999 and before (policy years 13-20)

11/05 – 4.50 08/06 – 5.52 04/07 – 4.90 11/07 – 5.55 07/08 – 5.79 07/09 – 4.84 01/23 – 4.75 07/23 – 5.30 02/24 – 5.15
12/05 – 4.75 09/06 – 5.27 05/07 – 5.20 12/07 – 5.25 08/08 – 5.89 08/09 – 4.64 02/23 – 5.20 08/23 - 5.35 03/24 – 5.80
01/06 – 4.72 10/06 – 5.02 07/07 – 5.70 01/08 – 5.39 09/08 – 5.79 10/09 – 4.50 03/23 – 4.55 09/23 – 5.20 04/24 – 5.95
04/06 – 4.87 01/07 – 4.90 08/07 – 5.80 02/08 – 5.24 10/08 – 5.59 10/22 – 4.55 04/23 – 5.00 11/23 – 5.60  
05/06 – 5.17 02/07 – 5.00 09/07 – 5.55 05/08 – 5.39 01/09 – 5.24 11/22 – 5.15 05/23 – 4.70 12/23 – 6.25  
06/06 – 5.37 03/07 – 5.15 10/07 – 5.35 06/08 – 5.69 04/09 – 5.04 12/22 – 5.55 06/23 – 5.00 01/24 – 5.50  

 

Policies issued 09/30/1999 and before (policy years 21+)

11/13 – 4.50 02/23 – 5.45 06/23 – 5.25 01/24 – 5.05
10/22 – 4.80 03/23 – 4.80 07/23 – 5.55 02/24 – 5.40
11/22 – 5.40 04/23 – 5.25 08/23 – 5.60 03/24 – 6.05
12/22 – 5.80 04/23 – 4.95 09/23 – 5.45 04/24 – 6.20
01/23 – 5.00 05/23 – 4.95 11/23 – 5.85  

 

Survivorship Universal Life (SUL)

Survivorship Universal Life (SUL)

Policies issues 08/16/2003 and after (policy years 1-10):

08/03 – 5.85 05/07 – 4.43
03/04 – 5.15 01/08 – 4.51
06/04 – 4.65 04/08 - 4.71
10/04 – 4.15 01/09 – 4.65
04/05 – 4.00 01/10 – 4.50
01/06 – 4.10 09/10 – 4.25
01/07 – 4.33 09/11 – 4.00

Policies issues 08/16/2003 and after (policy years 11+):

08/13 – 4.00
09/23 – 4.50

Policies issues 08/15/2003 and before (policy years 1-10):

04/00 – 7.25 08/02 – 6.00 05/04 – 4.10 03/07 – 4.60 07/08 – 5.20 03/23 – 4.00
06/00 – 7.50 09/02 – 5.40 06/04 – 4.44 04/07 – 4.35 08/08 – 5.30 04/23 – 4.45
07/00 – 7.25 11/02 – 5.10 08/04 – 4.14 05/07 – 4.65 09/08 – 5.20 05/23 – 4.15
08/00 – 6.96 12/02 – 5.30 09/04 – 4.00 07/07 – 5.15 10/08 – 5.00 06/23 – 4.45
10/00 – 6.75 03/03 – 5.15 12/05 – 4.13 08/07 – 5.25 01/09 – 4.65 07/23 – 4.75
01/01 – 6.45 04/03 – 4.65 01/06 – 4.05 09/07 – 5.00 04/09 – 4.45 08/23 – 4.80
02/01 – 5.75 06/03 – 4.35 04/06 – 4.20 10/07 – 4.80 07/09 – 4.25 09/23 – 4.65
04/01 – 5.95 07/03 – 4.00 05/06 – 4.50 11/07 – 5.00 08/09 – 4.05 11/23 – 5.05
11/01 – 5.60 08/03 – 4.15 06/06 – 4.70 12/07 – 4.70 10/09 – 4.00 12/23 – 5.70
12/01 – 5.35 09/03 – 4.95 08/06 – 4.85 01/08 – 4.80 11/22 – 4.60 01/24 – 4.95
01/02 – 5.65 11/03 – 4.75 09/06 – 4.60 02/08 – 4.65 12/22 – 5.00 02/24 – 4.60
04/02 – 6.00 01/04 – 4.50 10/06 – 4.35 05/08 – 4.80 01/23 – 4.20 03/24 – 5.25
05/02 – 6.25 02/04 – 4.00 02/07 – 4.45 06/08 – 5.10 02/23 – 4.65 04/24 – 5.40

 

Policies issues 08/15/2003 and before (policy years 11+):

04/00 – 7.25 08/02 – 6.00 05/04 – 4.10 03/07 – 4.60 07/08 – 5.20 08/22 – 4.20 09/23 – 5.15
06/00 – 7.50 09/02 – 5.40 06/04 – 4.44 04/07 – 4.35 08/08 – 5.30 09/22 – 4.05 11/23 – 5.55
07/00 – 7.25 11/02 – 5.10 08/04 – 4.14 05/07 – 4.65 09/08 – 5.20 10/22 – 4.50 12/23 – 6.20
08/00 – 6.96 12/02 – 5.30 09/04 – 4.00 07/07 – 5.15 10/08 – 5.00 11/22 – 5.10 01/24 – 5.45
10/00 – 6.75 03/03 – 5.15 12/05 – 4.13 08/07 – 5.25 01/09 – 4.65 12/22 – 5.50 02/24 – 5.10
01/01 – 6.45 04/03 – 4.65 01/06 – 4.05 09/07 – 5.00 04/09 – 4.45 01/23 – 4.70 03/24 – 5.75
02/01 – 5.75 06/03 – 4.35 04/06 – 4.20 10/07 – 4.80 07/09 – 4.25 02/23 – 5.15 04/24 – 5.90
04/01 – 5.95 07/03 – 4.00 05/06 – 4.50 11/07 – 5.00 08/09 – 4.05 03/23 – 4.50  
11/01 – 5.60 08/03 – 4.15 06/06 – 4.70 12/07 – 4.70 10/09 – 4.00 04/23 – 4.95  
12/01 – 5.35 09/03 – 4.95 08/06 – 4.85 01/08 – 4.80 03/10 – 4.27 05/23 – 4.65  
01/02 – 5.65 11/03 – 4.75 09/06 – 4.60 02/08 – 4.65 06/10 – 4.02 06/23 – 4.95  
04/02 – 6.00 01/04 – 4.50 10/06 – 4.35 05/08 – 4.80 08/10 – 4.00 07/23 – 5.25  
05/02 – 6.25 02/04 – 4.00 02/07 – 4.45 06/08 – 5.10 07/22 – 4.05 08/23 – 5.30  

Survivorship Universal Life Protector (SUL2)

Policy Years 1-10:

12/06 – 4.35
05/07 – 4.45
04/08 – 4.65
01/10 – 4.50
09/10 – 4.25
09/11 – 4.00
03/12 – 3.65
09/12 – 3.40
05/13 – 3.25
06/20 - 3.10

Policy Years 11+:

12/16 – 3.25
11/17 – 3.75
07/20 – 3.60


Survivorship Variable Universal Life (SVUL)

Policies issued 08/16/2003 and after (policy years 1-10):
 

08/03 – 5.25 01/08 – 3.56 09/23 - 3.40
03/04 – 4.55 04/08 – 3.76  
06/04 – 4.05 01/09 – 3.70  
10/04 – 3.55 01/10 – 3.55  
04/05 – 3.40 09/10 – 3.30  
01/07 – 3.48 09/11 – 3.05  
05/07 – 3.58 03/12 – 3.00  

 

Policies issues 08/16/2003 and after (policy years 11-20)

08/13 – 3.00
09/23 - 3.65


Policies issues 08/16/2003 and after (policy years 21+):

08/23 – 3.55
09/23 - 4.30

 

Policies issued 08/15/2003 and before (policy years 1-10):

02/03 – 4.70 04/04 – 3.15 10/05 – 3.00 02/07 – 3.85 01/08 – 4.20 07/09 – 3.65 01/23 – 3.60 12/23 – 5.10
03/03 – 4.55 05/04 – 3.50 11/05 – 3.18 03/07 – 4.00 02/08 – 4.05 08/09 – 3.45 02/23 – 4.05 01/24 – 4.35
04/03 – 4.05 06/04 – 3.84 12/05 – 3.53 04/07 – 3.75 05/08 – 4.20 10/09 – 3.25 03/23 – 3.40 02/24 – 4.00
06/03 – 3.75 08/04 – 3.54 01/06 – 3.45 05/07 – 4.05 06/08 – 4.50 01/10 – 3.17 04/23 – 3.85 03/24 – 4.65
07/03 – 3.25 09/04 – 3.24 04/06 – 3.50 07/07 – 4.55 07/08 – 4.60 06/10 – 3.00 05/23 – 3.55 04/24 – 4.80
08/03 – 3.55 11/04 – 3.00 05/06 – 3.90 08/07 – 4.65 08/08 – 4.70 08/22 – 3.10 06/23 – 3.85  
09/03 – 4.35 04/05 – 3.28 06/06 – 4.10 09/07 – 4.40 09/08 – 4.60 09/22 – 3.00 07/23 – 4.15  
11/03 – 4.15 06/05 – 3.03 08/06 – 4.25 10/07 – 4.20 10/08 – 4.40 10/22 – 3.40 08/23 – 4.20  
01/04 – 3.90 07/05 – 3.00 09/06 – 4.00 11/07 – 4.40 01/09 – 4.05 11/22 – 4.00 09/23 – 4.05  
02/04 – 3.40 09/05 – 3.13 10/06 – 3.75 12/07 – 4.10 04/09 – 3.85 12/22 – 4.40 11/23 – 4.45  

 

Policies issued 08/15/2003 and before (policy years 11-20):

02/03 – 4.70 04/04 – 3.15 10/05 – 3.00 02/07 – 3.85 01/08 – 4.20 07/09 – 3.90 09/22 – 3.20 07/23 – 4.40
03/03 – 4.55 05/04 – 3.50 11/05 – 3.18 03/07 – 4.00 02/08 – 4.05 08/09 – 3.70 10/22 – 3.65 08/23 – 4.45
04/03 – 4.05 06/04 – 3.84 12/05 – 3.53 04/07 – 3.75 05/08 – 4.20 10/09 – 3.50 11/22 – 4.25 09/23 - 4.30
06/03 – 3.75 08/04 – 3.54 01/06 – 3.45 05/07 – 4.05 06/08 – 4.50 01/10 – 3.42 12/22 – 4.65 11/23 - 4.30
07/03 – 3.25 09/04 – 3.24 04/06 – 3.50 07/07 – 4.55 07/08 – 4.60 06/10 – 3.17 01/23 – 3.85 12/23 – 5.35
08/03 – 3.55 11/04 – 3.00 05/06 – 3.90 08/07 – 4.65 08/08 – 4.70 08/10 – 3.00 02/23 – 4.30 01/24 – 4.60
09/03 – 4.35 04/05 – 3.28 06/06 – 4.10 09/07 – 4.40 09/08 – 4.60 01/20 - 3.05 03/23 – 3.65 02/24 – 4.25
11/03 – 4.15 06/05 – 3.03 08/06 – 4.25 10/07 – 4.20 10/08 – 4.40 06/20 - 3.00 04/23 – 4.10 03/24 – 4.90
01/04 – 3.90 07/05 – 3.00 09/06 – 4.00 11/07 – 4.40 01/09 – 4.05 07/22 - 3.20 05/23 – 3.80 03/24 – 5.05
02/04 – 3.40 09/05 – 3.13 10/06 – 3.75 12/07 – 4.10 04/09 – 3.85 08/22 – 3.35 06/23 – 4.10  


Policies issues 08/15/2003 and before (policy years 21+):

06/22 – 3.50 02/23 – 4.95 11/23 - 5.35

07/22 – 3.85

 03/23 – 4.30 12/23 – 6.00
08/22 – 4.00 04/23 – 4.75 01/24 – 5.25
09/22 – 3.85 05/23 – 4.45 02/24 – 4.90
10/22 – 4.30 06/23 – 4.75 03/24 – 5.55
11/22 – 4.90 07/23 – 5.05 04/24 – 5.70
12/22 – 5.30 08/23 – 5.10  
01/23 – 4.50 09/23 - 4.95  

Indexed Universal Life Accumulation

Caps:


Price Return Cap

Total Return Cap

11/16 – 12.00%

11/16 – 18.00%

05/20 – 11.00%

05/20 – 17.00%
11/20 - 10.50% 11/20 - 16.00%
10/23 - 9.50% 10/23 - 13.00%

Participation Rate:


Price Return Participation Rate

Total Return Participation Rate

11/16 – 100%

11/16 – 110%
  10/23 - 100%

Floor:


Price Return Floor

Total Return Floor

11/16 - 0%

11/16 – 0%

Fixed Account Rate:


11/16 – 4.50%

06/20 – 4.35%

09/23 – 5.10

 

Indexed Universal Life Accumulation ll

Caps:


Price Return Cap

Price Return High Cap

 Total Return Cap    

08/19 – 10.00%

08/19 – 14.00%

 08/19 – 15.00%

05/20 – 9.50%

05/20 – 13.50%

 05/20 – 14.00%
11/20 -9.00% 11/20 - 13.00% 11/20 – 13.00%
10/23 - 8.50% 10/23 - 11.00% 10/23 – 11.00%

Participation Rate:


Price Return Participation Rate		 Price Return High Cap Participation Rate

Total Return Participation Rate

08/19 – 100%

 08/19 – 100%

08/19 – 100%
     

Floor:


Price Return Floor		 Price Return High Cap Floor

Total Return Floor

08/19 - 0%

 08/19 - 0%

08/19 – 0%

Survivorship Universal Life Protector II (SULP2)

09/12 – 3.40

05/13 – 3.25

06/20 – 3.10

Universal Accumulation II (ULA2)

01/13 – 4.40

05/13 – 4.25

06/20 – 4.10
09/23 – 4.85

Universal Flex II (ULF2)

Policy years 1-5:

01/13 – 3.90

05/13 – 3.75

06/20 – 3.60

09/23 – 4.35

Policy years 6+:

01/18 – 4.05

06/20 – 3.90

09/23 – 4.65

Universal Life Protector IV (UL9)
Policies issued 07/01/2012 and after:

07/12 – 3.15

05/13 – 3.00

06/20 – 2.85

Policies issued before 07/01/2012:

05/11 – 2.95

09/11 – 2.70

03/12 – 2.35

09/12 – 2.10

05/13 – 2.00

VUL Income III (VUL5)

Policy Years 1-10:

12/11 – 3.55

03/12 – 3.20

09/12 – 2.95

05/13 – 2.80

06/20 – 2.65

09/23 – 3.40

Policy Years 11+:

12/21 - 3.35
09/23 – 4.10

VUL Income II (VUL4)

Policy Years 1-10:

07/08 – 4.20

01/10 – 4.05

09/10 – 3.80

09/11 – 3.55

03/12 – 3.20

09/12 – 3.00

09/23 – 3.40

Policy Years 11+:

07/18 - 3.35
09/23 – 4.10

 

UL Provider Edge

09/15 - 3.90

06/20 - 3.75

09/23 – 4.50


Survivorship Universal Life Protector 3 (SULP3)

11/19 - 3.25

06/20 -3.10


 

Universal Life Protector V (ULP5)

10/19 - 3.00

06/20 -2.85

 

Note: Interest rates for a specific product may not update at the same time other products have interest rate updates. An example would be when a product has already reached it’s minimum guaranteed interest rate.

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