<?xml version="1.0"?>
<VTNet>
  <ShowTableRating>0</ShowTableRating>
  <SkipTableRating>1</SkipTableRating>
  <ShowUserHeader>0</ShowUserHeader>
  <ShowUserFooter>0</ShowUserFooter>
  <Disclaimer>This quote information and premium comparison is for reference only and is intended to supplement the standard illustration provided by each insurance company, if applicable.  Premium includes policy fee.  The premiums in bold are current premiums that are guaranteed for the product's guarantee period, and the italicized premiums are the maximum premiums charged after the guarantee period.  All other values are not guaranteed.  All values and information are believed to be accurate. However accuracy cannot be assured.  Refer to each carrier's complete illustration or rate card for exact quotations.  A ' * ' indicates that NAIC-compliant illustration software is available.  After initial level premium period ultimate rates are shown. Reports containing non-guaranteed values are supplemental life insurance illustrations that are not valid unless preceeded or accompanied by a Basic Illustration.  Refer to the Basic Illustration for guaranteed elements and other important information.   Before submitting business with a company, you must be appointed with the company and a licensed agent in the state that you are soliciting business.  FOR AGENT USE ONLY.</Disclaimer>
  <FaceOrPremium>Premium</FaceOrPremium>
  <ShowPremiumSection>1</ShowPremiumSection>
  <ShowFaceFootnote>0</ShowFaceFootnote>
  <VTClass>0</VTClass>
  <ProdClass>1</ProdClass>
  <PremiumTitle>Annual Guaranteed Premiums</PremiumTitle>
  <SubMultiplier>1</SubMultiplier>
  <PremiumTitle>Annual Guaranteed Premiums</PremiumTitle>
  <SubMultiplier>1</SubMultiplier>
  <ReportDate>8/4/2015</ReportDate>
  <ShowGroupLogo>1</ShowGroupLogo>
  <GroupLogo>\\192.168.90.32\llpImages\llp2.gif</GroupLogo>
  <GroupLogoWidth>180</GroupLogoWidth>
  <GroupLogoHeight>30</GroupLogoHeight>
  <ShowGuar>1</ShowGuar>
  <ShowProj>0</ShowProj>
  <NumOfProdsPlus2>10</NumOfProdsPlus2>
  <BorderWidth>0</BorderWidth>
  <ShowCompanyInfo>1</ShowCompanyInfo>
  <showTermULDisclaimer>0</showTermULDisclaimer>
  <ShowComdex>1</ShowComdex>
  <DataDate>12/31/2014</DataDate>
  <RatingsDate>4/21/2015</RatingsDate>
  <FaceText>Face Amount: $250,000</FaceText>
  <QuoteScenario>
    <ClientName />
    <FaceAmount>$250,000</FaceAmount>
    <Gender>Male</Gender>
    <VTClassName>Super Preferred</VTClassName>
    <VTSmokeStatus>Non-Tobacco</VTSmokeStatus>
    <State>Alabama</State>
    <AgeDOB>45</AgeDOB>
    <ShowCalcAge>0</ShowCalcAge>
    <RiderString />
    <ByAgent>By Kaushik k Amit</ByAgent>
    <ShowModalPrem>1</ShowModalPrem>
    <ShowADBFace>0</ShowADBFace>
    <ShowChildUnits>0</ShowChildUnits>
  </QuoteScenario>
  <Premiums>
    <Row>
      <Year>1</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1>135</Prod1>
      <Prod2>170</Prod2>
      <Prod3>177.5</Prod3>
      <Prod4>185</Prod4>
      <Prod5>200</Prod5>
      <Prod6>205</Prod6>
      <Prod7>222.5</Prod7>
      <Prod8>245</Prod8>
    </Row>
    <Row>
      <Year>2</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>247.5</Prod2>
      <Prod3>197.5</Prod3>
      <Prod4>200</Prod4>
      <Prod5>247.5</Prod5>
      <Prod6>310</Prod6>
      <Prod7>265</Prod7>
      <Prod8>260</Prod8>
    </Row>
    <Row>
      <Year>3</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>295</Prod2>
      <Prod3>240</Prod3>
      <Prod4>217.5</Prod4>
      <Prod5>295</Prod5>
      <Prod6>482.5</Prod6>
      <Prod7>302.5</Prod7>
      <Prod8>275</Prod8>
    </Row>
    <Row>
      <Year>4</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>340</Prod2>
      <Prod3>327.5</Prod3>
      <Prod4>235</Prod4>
      <Prod5>340</Prod5>
      <Prod6>690</Prod6>
      <Prod7>340</Prod7>
      <Prod8>292.5</Prod8>
    </Row>
    <Row>
      <Year>5</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>392.5</Prod2>
      <Prod3>415</Prod3>
      <Prod4>255</Prod4>
      <Prod5>392.5</Prod5>
      <Prod6>1142.5</Prod6>
      <Prod7>385</Prod7>
      <Prod8>312.5</Prod8>
    </Row>
    <Row>
      <Year>6</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>472.5</Prod2>
      <Prod3>525</Prod3>
      <Prod4> </Prod4>
      <Prod5>472.5</Prod5>
      <Prod6>1745</Prod6>
      <Prod7>435</Prod7>
      <Prod8>2257.5</Prod8>
    </Row>
    <Row>
      <Year>7</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>555</Prod2>
      <Prod3>1072.5</Prod3>
      <Prod4> </Prod4>
      <Prod5>555</Prod5>
      <Prod6>1880</Prod6>
      <Prod7>497.5</Prod7>
      <Prod8>2425</Prod8>
    </Row>
    <Row>
      <Year>8</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>637.5</Prod2>
      <Prod3>1700</Prod3>
      <Prod4> </Prod4>
      <Prod5>637.5</Prod5>
      <Prod6>2065</Prod6>
      <Prod7>562.5</Prod7>
      <Prod8>2667.5</Prod8>
    </Row>
    <Row>
      <Year>9</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>722.5</Prod2>
      <Prod3>2407.5</Prod3>
      <Prod4> </Prod4>
      <Prod5>722.5</Prod5>
      <Prod6>2265</Prod6>
      <Prod7>630</Prod7>
      <Prod8>2930</Prod8>
    </Row>
    <Row>
      <Year>10</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2>810</Prod2>
      <Prod3>3215</Prod3>
      <Prod4> </Prod4>
      <Prod5>810</Prod5>
      <Prod6>2520</Prod6>
      <Prod7>695</Prod7>
      <Prod8>3267.5</Prod8>
    </Row>
    <Row>
      <Year>11</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>4225</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>2835</Prod6>
      <Prod7>4185</Prod7>
      <Prod8>3675</Prod8>
    </Row>
    <Row>
      <Year>12</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>4705</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>3155</Prod6>
      <Prod7>4665</Prod7>
      <Prod8>4097.5</Prod8>
    </Row>
    <Row>
      <Year>13</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>5222.5</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>3500</Prod6>
      <Prod7>5182.5</Prod7>
      <Prod8>4542.5</Prod8>
    </Row>
    <Row>
      <Year>14</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>5665</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>3795</Prod6>
      <Prod7>5625</Prod7>
      <Prod8>4902.5</Prod8>
    </Row>
    <Row>
      <Year>15</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>6175</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>4135</Prod6>
      <Prod7>6135</Prod7>
      <Prod8>5322.5</Prod8>
    </Row>
    <Row>
      <Year>16</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>6790</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>4545</Prod6>
      <Prod7>6750</Prod7>
      <Prod8>5840</Prod8>
    </Row>
    <Row>
      <Year>17</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>7540</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>5045</Prod6>
      <Prod7>7500</Prod7>
      <Prod8>6512.5</Prod8>
    </Row>
    <Row>
      <Year>18</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>8455</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>5655</Prod6>
      <Prod7>8415</Prod7>
      <Prod8>7355</Prod8>
    </Row>
    <Row>
      <Year>19</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>9482.5</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>6340</Prod6>
      <Prod7>9442.5</Prod7>
      <Prod8>8292.5</Prod8>
    </Row>
    <Row>
      <Year>20</Year>
      <Age>  </Age>
      <YearGaur1>1</YearGaur1>
      <YearGaur2>1</YearGaur2>
      <YearGaur3>1</YearGaur3>
      <YearGaur4>1</YearGaur4>
      <YearGaur5>1</YearGaur5>
      <YearGaur6>1</YearGaur6>
      <YearGaur7>10</YearGaur7>
      <YearGaur8>1</YearGaur8>
      <Prod1> </Prod1>
      <Prod2> </Prod2>
      <Prod3>10562.5</Prod3>
      <Prod4> </Prod4>
      <Prod5> </Prod5>
      <Prod6>7060</Prod6>
      <Prod7>10522.5</Prod7>
      <Prod8>9277.5</Prod8>
    </Row>
  </Premiums>
  <Products>
    <Product>
      <YearGuarText>1</YearGuarText>
      <YearGuar>1</YearGuar>
      <HeadingName>MetLife Insurance OYT 1 (2-13)</HeadingName>
      <ShortCompName>MetLife</ShortCompName>
      <ShortProdName> Insurance OYT 1 (2-13)</ShortProdName>
      <ShowCompanyInfo>1</ShowCompanyInfo>
      <NAICCert />
      <TermUL />
      <ProdClassName>Standard NonSmkr</ProdClassName>
      <ProdClassRan>1</ProdClassRan>
      <TableRatingRan>0</TableRatingRan>
      <TableRatingName>N/A</TableRatingName>
      <ADBFaceAmount />
      <ChildCalcedUnits />
      <CalcAge>45</CalcAge>
      <YearLevel>1</YearLevel>
      <YearLevelPlusOne>2</YearLevelPlusOne>
      <GuarModal1stPremium>$135.00</GuarModal1stPremium>
      <Guar1stAnnual>$135.00</Guar1stAnnual>
      <Guar1stSemi>$70.20</Guar1stSemi>
      <Guar1stQuarterly>$35.10</Guar1stQuarterly>
      <Guar1stBankDraft>$11.75</Guar1stBankDraft>
      <NAIC>87726</NAIC>
      <IncDate>1863</IncDate>
      <CompType>Stock</CompType>
      <Assets>$64,781,249</Assets>
      <Liabilities>$59,647,916</Liabilities>
      <AMBest>A+(2)</AMBest>
      <SP>AA-(4)</SP>
      <Moody>Aa3(4)</Moody>
      <Fitch>AA-(4)</Fitch>
      <Comdex>95</Comdex>
      <ShowCompanyInfo>1</ShowCompanyInfo>
      <DataDate>12/31/2014</DataDate>
      <RatingsDate>4/21/2015</RatingsDate>
      <Skip>0</Skip>
    </Product>
    <Product>
      <YearGuarText>1</YearGuarText>
      <YearGuar>1</YearGuar>
      <HeadingName>Ameritas Keystone 1 (10-14)</HeadingName>
      <ShortCompName>Ameritas</ShortCompName>
      <ShortProdName> Keystone 1 (10-14)</ShortProdName>
      <ShowCompanyInfo>1</ShowCompanyInfo>
      <NAICCert>*</NAICCert>
      <TermUL />
      <ProdClassName>Pfd Plus</ProdClassName>
      <ProdClassRan>1</ProdClassRan>
      <TableRatingRan>0</TableRatingRan>
      <TableRatingName>N/A</TableRatingName>
      <ADBFaceAmount />
      <ChildCalcedUnits />
      <CalcAge>45</CalcAge>
      <YearLevel>1</YearLevel>
      <YearLevelPlusOne>2</YearLevelPlusOne>
      <GuarModal1stPremium>$170.00</GuarModal1stPremium>
      <Guar1stAnnual>$170.00</Guar1stAnnual>
      <Guar1stSemi>$86.90</Guar1stSemi>
      <Guar1stQuarterly>$44.10</Guar1stQuarterly>
      <Guar1stBankDraft>$14.64</Guar1stBankDraft>
      <NAIC>61301</NAIC>
      <IncDate>1887</IncDate>
      <CompType>Stock</CompType>
      <Assets>$7,278,337</Assets>
      <Liabilities>$5,929,188</Liabilities>
      <AMBest>A(3)</AMBest>
      <SP>A+(5)</SP>
      <Moody>-</Moody>
      <Fitch>A+(5)</Fitch>
      <Comdex>84</Comdex>
      <ShowCompanyInfo>1</ShowCompanyInfo>
      <DataDate>12/31/2014</DataDate>
      <RatingsDate>4/21/2015</RatingsDate>
      <Skip>0</Skip>
    </Product>
    <Product>
      <YearGuarText>1</YearGuarText>
      <YearGuar>1</YearGuar>
      <HeadingName>Pacific ART</HeadingName>
      <ShortCompName>Pacific</ShortCompName>
      <ShortProdName> ART</ShortProdName>
      <ShowCompanyInfo>1</ShowCompanyInfo>
      <NAICCert>*</NAICCert>
      <TermUL />
      <ProdClassName>Super Pfd</ProdClassName>
      <ProdClassRan>1</ProdClassRan>
      <TableRatingRan>0</TableRatingRan>
      <TableRatingName>N/A</TableRatingName>
      <ADBFaceAmount />
      <ChildCalcedUnits />
      <CalcAge>45</CalcAge>
      <YearLevel>1</YearLevel>
      <YearLevelPlusOne>2</YearLevelPlusOne>
      <GuarModal1stPremium>$177.50</GuarModal1stPremium>
      <Guar1stAnnual>$177.50</Guar1stAnnual>
      <Guar1stSemi>$90.53</Guar1stSemi>
      <Guar1stQuarterly>$47.04</Guar1stQuarterly>
      <Guar1stBankDraft>$15.98</Guar1stBankDraft>
      <NAIC>67466</NAIC>
      <IncDate>1868</IncDate>
      <CompType>Stock</CompType>
      <Assets>$95,724,385</Assets>
      <Liabilities>$90,147,404</Liabilities>
      <AMBest>A+(2)</AMBest>
      <SP>A+(5)</SP>
      <Moody>A1(5)</Moody>
      <Fitch>A+(5)</Fitch>
      <Comdex>89</Comdex>
      <ShowCompanyInfo>1</ShowCompanyInfo>
      <DataDate>12/31/2014</DataDate>
      <RatingsDate>4/21/2015</RatingsDate>
      <Skip>0</Skip>
    </Product>
    <Product>
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