A Life Insurance Illustration

Designed for: Whole Life Insurance

Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

NARRATIVE SUMMARY
What follows is a brief description of the illustrated life insurance policy. For additional information please
request a specimen policy from your agent or broker.

About the Customizer WL is a participating whole life individual insurance policy providing a level guaranteed death
Customizer WL benefit. Premiums are payable for the life of the insured, but not beyond age 120. Premium payments cannot
Policy be skipped or reduced; however, if sufficient, you can borrow against the policy's surrender value to pay the
required premiums.

This is only an illustration. Security Mutual Life Insurance Company of New York (i.e., "the Company") will
determine your eligibility for coverage. The Company will determine the premiums to be paid based upon your
issue age and the actual risk classification for your policy as determined by the Company. If we issue the policy
other than as you applied for it, we will send you with the policy, a revised illustration conforming to the policy
as issued.

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

Contract premiums and/or premium outlays are assumed to be paid at the beginning of each year, and the values
and benefits shown are as of the end of each year. Premiums are assumed to be paid annually.

Any benefit changes, partial surrenders, loans or loan repayments are assumed to be made at the beginning of
the policy year in which they are illustrated. Policy values and benefit amounts are stated as of the end of the
policy year in which they are illustrated.

Death Benefit The total initial death benefit is $210,268. The base policy face amount is $191,097. The Paid-Up Additions
Rider initial death benefit is $19,171.

Dividends It is assumed that dividends purchase Paid-Up Additional (PUA) insurance in all illustrated years.

Underwriting Class The premium outlay for this coverage has been calculated assuming Lino Talley is in the Standard Nonsmoker
underwriting class.

Taxation In order to receive favorable tax treatment of distributions (including loans) under the Internal Revenue Code, a
life insurance policy must satisfy a 7-Pay Premium limitation during the first 7 years and during 7 years after
certain policy changes. Failure to satisfy this limitation would cause distributions to be taxable to the extent
there is a gain in the contract.

In addition, there is a penalty of 10% of taxable income for distributions from such policies before age 59½
with certain exceptions. In any case, a gain in the contract is taxable upon full surrender of the policy.

Non-MEC As illustrated this policy is not a Modified Endowment Contract (MEC) under the Internal Revenue Code. If
there is a material change such as an increase in the death benefit under the policy or any increase in or addition
of a qualified additional benefit this policy may be reclassified as a MEC. If reclassified, distributions,
including loans, from a MEC may be taxable as income and may be subject to a penalty tax.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 1 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Riders Consult the actual rider policy form for more information on the illustrated riders.

Paid Up Additions Each PUAR premium payment is used to purchase an additional amount of guaranteed paid up life insurance.
Rider (PUAR) The Paid-Up Additions Rider in this illustration is paid for 4 years.

Accidental Death The Company will pay an additional amount of $250,000 if the insured dies as the result of an accident (as
Benefit (ADB) defined in the rider form) prior to attained age 70.

Waiver of Premium If the insured becomes totally disabled (as defined in the rider benefit form) prior to age 60, for a continuous
(Waiver / WP) period of at least 6 months, the Company will waive the payment of the base plan premium and any benefit
and/or rider premiums.

Living Benefits Rider This rider permits the policyowner to access a portion of the life insurance death proceeds during the insured's
(LBR) lifetime should the insured be diagnosed as terminally ill (life expectancy of 12 months or less).

Column ATT. Age: (Attained Age) The attained age of the insured at the end of the policy year.
Descriptions
Yr (Year): The number of years the policy is assumed to have been inforce.

Contract Premium: The premium required to be paid under the policy, including the premium for all riders or
benefits shown.

PUA Rider Surrender Value: Surrender Value attributable to paid up additional insurance purchased by rider
premiums.

Total Surrender Value: This amount is available to the policyowner upon surrender of the policy provided that
the required contract premiums have been paid when due and there is no outstanding loan on the policy.

PUA Rider Death Benefit: The portion of the Total Death Benefit attributable to paid up additional insurance
purchased by rider premiums.

Total Death Benefit: This amount is payable upon the death of the insured, provided that the required contract
premiums have been paid when due and there is no outstanding loan on the policy.

Non-Guaranteed Annual Dividend: The illustrated dividend is based on the Company's 2010 dividend scale, which is not
Values guaranteed. Actual dividends payable under the policy may be higher or lower than those shown depending on
the Company's actual future experience as it relates to interest, mortality, and expenses. The end of year 1
dividend is contingent upon payment of the second year's contract premium.

PUA Surrender Value is the portion of the Total Surrender Value attributable to paid up additional insurance
purchased by rider premiums or dividends.

Total Surrender Value is the amount that would be available upon surrender of the policy, given the
illustration assumptions. This amount includes the base policy surrender value plus the surrender value of any
paid-up additional insurance or accumulated dividends, less any surrenders and/or any outstanding loan balance.

Total Death Benefit: The amount that would be payable upon the death of the insured, given the illustration
assumptions. This amount includes the base policy death benefit plus any paid-up additional insurance or
accumulated dividends, less any surrenders and/or any outstanding loan balance.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 2 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Non-Guaranteed PUA Death Benefit is the portion of the Total Death Benefit attributable to paid up additional insurance
Values purchased by rider premiums or dividends.
(continued)
Premium Outlay: The amount of premium assumed to be paid by the policyowner in cash. If value noted is
negative, a cash distribution, such as policy loan or PUA surrender, has occurred.

PUA Surrendered is the Surrender Value of paid up additional insurance assumed to have been surrendered for
cash or to make a premium payment or possibly for a combination of both.

Numeric Summary The GUARANTEED columns show values and benefits based on the guaranteed provisions of this policy.
and Signature Page
Definitions NON-GUARANTEED VALUES -These benefits and values are not guaranteed. The assumptions on which
they are based are subject to change by the Company. Actual results may be more or less favorable than those
shown.

The MIDPOINT columns show values assuming dividends are reduced by 50% and any policy charges are an
average of the current and guaranteed charges.

The CURRENT columns are based on the Company's current premium rates and dividends, which are not
guaranteed and may be either higher or lower than those shown.

These values are based on a continuous premium payment pattern and do not reflect any loan activity or PUA
surrenders.

Important NON-GUARANTEED VALUES: These values are not guaranteed. The assumption on which they are based
Additional are subject to change by the Company. Actual results may be more or less favorable than those shown. SEE
Information FIRST PAGE OF TABULAR DETAIL FOR GUARANTEED VALUES.

Premium THIS ILLUSTRATION IS NOT A PAID-UP POLICY OR A GUARANTEED LIMITED PREMIUM

Offset PAYMENT POLICY. The Numeric Summary and the Tabular Detail show guaranteed and non-guaranteed
values assuming the contract premium is paid in cash each year for the life of the policy and no loans or PUA
surrenders are taken. The Alternative Scenario Tabular Detail illustration assumes that dividends are used to
purchase paid-up additional insurance for 8 years, and thereafter, premiums will be paid by dividends, the
surrender of paid-up additional insurance or policy loans, rather than cash. This premium payment technique is
often referred to as a non-guaranteed "Premium Offset."

Dividends are NOT GUARANTEED and are subject to significant fluctuation. A dividend scale change may
result in an increase or decrease in the required number of cash premium payments. Also, while dividends and
paid up additions may at one time be sufficient to pay premiums, a decrease in the dividend scale may result in
the need to resume cash premium payments at a later date.

THIS IS AN ILLUSTRATION, NOT A CONTRACT, FOR PRESENTATION IN HAWAII

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 3 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Cost Indexes An explanation of the intended use of these indexes is provided in the Life Insurance Buyer's Guide.

Surrender Cost This index is useful if you consider the level of the cash values to be of primary importance to you. It helps you
Index compare costs if at some future point in time, such as 10 or 20 years, you were to surrender the policy for its
surrender value.

Net Payment This index is useful if your main concern is the benefits that are to be paid at your death and if the level of
Cost Index surrender values is of secondary importance to you. It helps you compare costs if at some future point in time,
such as 10 or 20 years, if you continue paying premiums on your policy and do not take its surrender value.

Equivalent Level This information is helpful in demonstrating the role of dividends, a non-guaranteed policy element, in
Annual Dividend determining the cost of a participating policy.

------Net Payment------ -----Surrender Cost----- --Equivalent Level Dividend--

10 Year 20 Year 10 Year 20 Year 10 Year 20 Year
Guaranteed Values 19.11 19.11 7.00 8.97 N/A N/A
Non-Guaranteed Values 18.63 16.04 6.52 5.90 0.48 3.08

The interest adjusted cost comparison indexes provide two means of comparing the relative costs of similar
policies. All things being equal, a lower index represents a better value than a higher one. The cost indexes
apply a 5.00% interest factor to the basic cost elements: policy premiums, dividends, and for the surrender cost
index, the 10 and 20 year cash values.

Cost indexes do not take into consideration the quality of service derived from a company or an agent or broker,
differences in policy provisions, or the strength of the Company and its actual performance.

Premium Modes Available initial premium modes and modal premiums are provided below. Note these premiums exclude
Paid-Up Additions Rider premium and any Conversion Credit, if applicable. The Policyowner incurs an
additional cost when paying premiums on a mode other than the Annual mode that varies based on the premium
mode chosen. Some states have encouraged the use of an equivalent “Annual Percentage Rate” (APR). The
APR equivalents for this policy are Semi-Annual 16.67% Quarterly 16.11%, List Bill Monthly 6.94%, EFT
Monthly 6.94%. The policyowner has the right to change payment modes subject to the terms of the policy and
established Company procedures.

Annual = $3,999.93 Semi-Annual = $2,079.96

Quarterly = $1,059.98 List Bill Monthly = $343.99
Electronic Funds Transfer (EFT) Monthly = $343.99

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 4 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Initial Annual Premiums and Coverage Amount Summary

Death Annual Per $1,000

Benefit Premium Premium
Base Policy $191,097 $3,577.34 $18.72
Base Policy Fee $75.00 Not Applicable
Initial PUA Rider $19,171 $5,994.01 Not Applicable
Total Initial Death Benefit $210,268

Annual Benefit Rider Premiums

Accidental Death Benefit $250,000 $210.00 $0.84
Waiver of Premium Not Applicable $137.59 $0.72
PUA Rider Waiver of Premium Not Applicable $5.99 N/A
Total Initial Annual Contract Premium $9,999.93

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 5 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Total Initial Death Benefit: $210,268 Total Initial Premium: $10,000

Base Policy: $191,097 Premium Mode: Annual
Paid-Up Additions Rider: $19,171 Riders Included: PUAR, ADB, WP, LBR
Initial Dividend Option: PUA
NUMERIC SUMMARY AND SIGNATURE PAGE

GUARANTEED NON-GUARANTEED VALUES

MidPoint Current
Contract Surrender Death Surrender Death Surrender Death
Premium Value Benefit Value Benefit Value Benefit
Summary FULL-PAY SCENARIO
Year 5 4,000 35,101 266,405 35,101 266,405 36,805 270,420
Year 10 4,000 60,817 266,405 61,420 267,567 67,348 280,916
Year 20 3,862 107,806 266,405 117,612 283,419 146,857 335,255
Age 70 3,862 133,241 266,405 152,993 297,629 205,371 380,742
Age 85 3,652 203,338 266,405 266,124 342,510 454,185 569,979
Age 90 3,652 219,659 266,405 303,244 362,349 569,422 667,421
Year coverage Terminates 74 74 74
NON-GUARANTEED VALUES- These benefits and values are not guaranteed. The assumptions on which they are based are
subject to change by the Company. Actual results may be more or less favorable than those shown.

Client
I have received a copy of this illustration and understand that any non-guaranteed elements are subject to change and could be either
higher or lower. The agent or broker has told me that they are not guaranteed.

Applicant/Policyowner Date

SECURITY MUTUAL LIFE INSURANCE COMPANY OF NEW YORK AGENT OR BROKER

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

Tomas P McFie Date

7871 Darling ST SE

Salem, Oregon 97317

THIS IS AN ILLUSTRATION, NOT A CONTRACT.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 6 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Total Initial Death Benefit: $210,268 Total Initial Premium: $10,000

Base Policy: $191,097 Premium Mode: Annual
Paid-Up Additions Rider: $19,171 Riders Included: PUAR, ADB, WP, LBR
Initial Dividend Option: PUA
TABULAR DETAIL

GUARANTEED VALUES NON-GUARANTEED VALUES

PUAR PUAR Total Total PUAR PUAR Total Total
Att. Contract Surrender Death Surrender Death Annual Surrender Death Surrender Death
Age Yr Premium Value Benefit Value Benefit Dividend Value Benefit Value Benefit

46 1 10,000 5,734 19,171 5,734 210,268 99 5,734 19,171 5,833 210,367

47 2 10,000 11,909 38,510 12,175 229,607 214 11,909 38,510 12,491 230,153
48 3 10,000 18,290 57,214 21,517 248,311 338 18,290 57,214 22,183 249,673
49 4 10,000 24,885 75,308 31,153 266,405 472 24,885 75,308 32,313 268,959
50 5 4,000 25,722 75,308 35,101 266,405 505 25,722 75,308 36,805 270,420
51 6 4,000 26,584 75,308 39,989 266,405 590 26,584 75,308 42,340 271,983
52 7 4,000 27,470 75,308 45,003 266,405 701 27,470 75,308 48,134 273,765
53 8 4,000 28,378 75,308 50,140 266,405 831 28,378 75,308 54,205 275,818
54 9 4,000 29,305 75,308 55,409 266,405 992 29,305 75,308 60,599 278,185
55 10 4,000 30,251 75,308 60,817 266,405 1,173 30,251 75,308 67,348 280,916
56 11 4,000 31,210 75,308 65,200 266,405 1,380 31,210 75,308 73,318 284,043
57 12 4,000 32,184 75,308 69,638 266,405 1,611 32,184 75,308 79,620 287,604
58 13 4,000 33,174 75,308 74,149 266,405 1,867 33,174 75,308 86,305 291,629
59 14 4,000 34,185 75,308 78,764 266,405 2,150 34,185 75,308 93,440 296,150
60 15 4,000 35,216 75,308 83,471 266,405 2,459 35,216 75,308 101,049 301,196
61 16 3,862 36,262 75,308 88,248 266,405 2,792 36,262 75,308 109,141 306,788
62 17 3,862 37,321 75,308 93,076 266,405 3,209 37,321 75,308 117,787 313,003
63 18 3,862 38,386 75,308 97,945 266,405 3,602 38,386 75,308 126,964 319,870
64 19 3,862 39,454 75,308 102,854 266,405 3,977 39,454 75,308 136,657 327,312
65 20 3,862 40,526 75,308 107,806 266,405 4,330 40,526 75,308 146,857 335,255
66 21 3,862 41,602 75,308 112,796 266,405 4,684 41,602 75,308 157,568 343,656
67 22 3,862 42,686 75,308 117,839 266,405 5,014 42,686 75,308 168,792 352,466
68 23 3,862 43,780 75,308 122,950 266,405 5,324 43,780 75,308 180,533 361,622
69 24 3,862 44,885 75,308 128,085 266,405 5,611 44,885 75,308 192,732 371,067
70 25 3,862 46,004 75,308 133,241 266,405 5,872 46,004 75,308 205,371 380,742
71 26 3,652 47,129 75,308 138,299 266,405 6,117 47,129 75,308 218,310 390,599
72 27 3,652 48,258 75,308 143,377 266,405 6,400 48,258 75,308 231,705 400,657
73 28 3,652 49,378 75,308 148,410 266,405 6,644 49,378 75,308 245,433 410,889
74 29 3,652 50,489 75,308 153,404 266,405 6,965 50,489 75,308 259,575 421,344
75 30 3,652 51,594 75,308 158,374 266,405 7,329 51,594 75,308 274,198 432,096
76 31 3,652 52,693 75,308 163,312 266,405 7,825 52,693 75,308 289,428 443,290
77 32 3,652 53,785 75,308 168,220 266,405 8,332 53,785 75,308 305,281 454,980
78 33 3,652 54,864 75,308 173,068 266,405 8,855 54,864 75,308 321,733 467,170
79 34 3,652 55,921 75,308 177,822 266,405 9,392 55,921 75,308 338,744 479,862
80 35 3,652 56,950 75,308 182,445 266,405 9,954 56,950 75,308 356,282 493,072
81 36 3,652 57,947 75,308 186,932 266,405 10,619 57,947 75,308 374,434 506,900
82 37 3,652 58,908 75,308 191,251 266,405 11,347 58,908 75,308 393,209 521,430
83 38 3,652 59,837 75,308 195,424 266,405 12,144 59,837 75,308 412,710 536,732
84 39 3,652 60,735 75,308 199,459 266,405 13,019 60,735 75,308 433,025 552,893
85 40 3,652 61,598 75,308 203,338 266,405 13,962 61,598 75,308 454,185 569,979

NON-GUARANTEED VALUES- These benefits and values are not guaranteed. The assumptions on which they are based
are subject to change by the Company. Actual results may be more or less favorable than those shown.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 7 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Total Initial Death Benefit: $210,268 Total Initial Premium: $10,000

Base Policy: $191,097 Premium Mode: Annual
Paid-Up Additions Rider: $19,171 Riders Included: PUAR, ADB, WP, LBR
Initial Dividend Option: PUA
TABULAR DETAIL

GUARANTEED VALUES NON-GUARANTEED VALUES

PUAR PUAR Total Total PUAR PUAR Total Total
Att. Contract Surrender Death Surrender Death Annual Surrender Death Surrender Death
Age Yr Premium Value Benefit Value Benefit Dividend Value Benefit Value Benefit

86 41 3,652 62,420 75,308 207,038 266,405 14,827 62,420 75,308 476,061 587,913
87 42 3,652 63,198 75,308 210,534 266,405 15,693 63,198 75,308 498,602 606,668
88 43 3,652 63,926 75,308 213,807 266,405 16,520 63,926 75,308 521,716 626,196
89 44 3,652 64,603 75,308 216,850 266,405 17,315 64,603 75,308 545,335 646,452
90 45 3,652 65,228 75,308 219,659 266,405 18,099 65,228 75,308 569,422 667,421
91 46 3,652 65,801 75,308 222,234 266,405 18,859 65,801 75,308 593,925 689,078
92 47 3,652 66,341 75,308 224,663 266,405 19,565 66,341 75,308 618,974 711,368
93 48 3,652 66,850 75,308 226,951 266,405 20,235 66,850 75,308 644,523 734,247
94 49 3,652 67,328 75,308 229,097 266,405 20,870 67,328 75,308 670,520 757,677
95 50 3,652 67,771 75,308 231,090 266,405 21,516 67,771 75,308 696,931 781,666
96 51 3,652 68,176 75,308 232,911 266,405 22,255 68,176 75,308 723,792 806,313
97 52 3,652 68,565 75,308 234,659 266,405 23,096 68,565 75,308 751,439 831,737
98 53 3,652 68,935 75,308 236,322 266,405 24,011 68,935 75,308 779,901 858,020
99 54 3,652 69,282 75,308 237,883 266,405 24,510 69,282 75,308 808,709 884,749
100 55 3,652 69,600 75,308 239,313 266,405 25,273 69,600 75,308 838,030 912,154
101 56 3,652 69,875 75,308 240,547 266,405 26,069 69,875 75,308 867,697 940,296
102 57 3,652 70,144 75,308 241,756 266,405 26,811 70,144 75,308 898,130 969,133
103 58 3,652 70,407 75,308 242,941 266,405 27,568 70,407 75,308 929,349 998,675
104 59 3,652 70,664 75,308 244,094 266,405 28,340 70,664 75,308 961,344 1,028,933
105 60 3,652 70,912 75,308 245,212 266,405 29,127 70,912 75,308 994,112 1,059,922
106 61 3,652 71,155 75,308 246,303 266,405 29,941 71,155 75,308 1,027,705 1,091,669
107 62 3,652 71,391 75,308 247,367 266,405 30,759 71,391 75,308 1,062,125 1,124,176
108 63 3,652 71,622 75,308 248,400 266,405 31,604 71,622 75,308 1,097,391 1,157,467
109 64 3,652 71,845 75,308 249,404 266,405 32,454 71,845 75,308 1,133,493 1,191,548
110 65 3,652 72,062 75,308 250,378 266,405 33,329 72,062 75,308 1,170,465 1,226,442
111 66 3,652 72,272 75,308 251,322 266,405 34,218 72,272 75,308 1,208,309 1,262,161
112 67 3,652 72,474 75,308 252,234 266,405 35,114 72,474 75,308 1,247,017 1,298,713
113 68 3,652 72,671 75,308 253,116 266,405 36,035 72,671 75,308 1,286,633 1,336,121
114 69 3,652 72,860 75,308 253,966 266,405 36,970 72,860 75,308 1,327,141 1,374,399
115 70 3,652 73,042 75,308 254,787 266,405 37,921 73,042 75,308 1,368,567 1,413,562
116 71 3,652 73,218 75,308 255,578 266,405 38,886 73,218 75,308 1,410,932 1,453,626
117 72 3,652 73,388 75,308 256,338 266,405 39,869 73,388 75,308 1,454,235 1,494,605
118 73 3,652 73,550 75,308 257,070 266,405 40,860 73,550 75,308 1,498,483 1,536,509
119 74 3,652 73,706 75,308 257,771 266,405 41,883 73,706 75,308 1,543,697 1,579,367
120 75 3,652 73,850 75,308 258,419 266,405 42,903 73,850 75,308 1,589,758 1,623,180

NON-GUARANTEED VALUES- These benefits and values are not guaranteed. The assumptions on which they are based
are subject to change by the Company. Actual results may be more or less favorable than those shown.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 8 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Total Initial Death Benefit: $210,268 Total Initial Premium: $10,000

Base Policy: $191,097 Premium Mode: Annual
Paid-Up Additions Rider: $19,171 Riders Included: PUAR, ADB, WP, LBR
Initial Dividend Option: PUA
ALTERNATIVE SCENARIO TABULAR DETAIL
Dividends Based on 2010 Dividend Scale

NON-GUARANTEED
PUA Total PUA Total
Att. Contract PUA Premium Annual Surrender Surrender Death Death
Age Yr Premium Surrendered Outlay Dividend Value Value Benefit Benefit

46 1 10,000 0 10,000 99 5,734 5,833 19,171 210,367

47 2 10,000 0 10,000 214 12,012 12,491 38,842 230,153
48 3 10,000 0 10,000 338 18,617 22,183 58,238 249,673
49 4 10,000 0 10,000 472 25,573 32,313 77,390 268,959
50 5 4,000 0 4,000 505 26,921 36,805 78,818 270,420
51 6 4,000 0 4,000 590 28,344 42,340 80,295 271,983
52 7 4,000 0 4,000 701 29,899 48,134 81,967 273,765
53 8 4,000 0 4,000 831 31,611 54,205 83,890 275,818
54 9 4,000 4,000 0* 908 29,373 56,384 75,481 267,486
55 10 4,000 4,000 0* 1,001 27,128 58,696 67,534 259,633
56 11 4,000 4,000 0* 1,110 24,894 59,995 60,069 252,276
57 12 4,000 4,000 0* 1,236 22,692 61,381 53,096 245,430
58 13 4,000 4,000 0* 1,382 20,541 62,898 46,630 239,109
59 14 4,000 4,000 0* 1,544 18,469 64,592 40,687 233,328
60 15 4,000 4,000 0* 1,728 16,496 66,480 35,277 228,102
61 16 3,862 3,862 0* 1,930 14,789 68,705 30,712 223,739
62 17 3,862 3,862 0* 2,211 13,232 71,197 26,699 220,007
63 18 3,862 3,862 0* 2,456 11,910 73,925 23,366 216,919
64 19 3,862 3,862 0* 2,668 10,796 76,864 20,607 214,372
65 20 3,862 3,862 0* 2,847 9,863 79,989 18,327 212,272
66 21 3,862 3,862 0* 2,993 9,083 83,268 16,441 210,531
67 22 3,862 3,862 0* 3,102 8,427 86,681 14,867 209,066
68 23 3,862 3,862 0* 3,172 7,863 90,205 13,525 207,794
69 24 3,862 3,862 0* 3,207 7,354 93,760 12,338 206,642
70 25 3,862 3,862 0* 3,203 6,865 97,306 11,238 205,538
71 26 3,652 3,652 0* 3,163 6,572 100,906 10,502 204,762
72 27 3,652 3,652 0* 3,086 6,229 104,434 9,720 203,903
73 28 3,652 3,652 0* 3,004 5,794 107,831 8,837 202,938
74 29 3,652 3,652 0* 2,920 5,262 111,098 7,849 201,866
75 30 3,652 3,652 0* 2,834 4,629 114,242 6,756 200,687
76 31 3,652 3,652 0* 2,910 3,892 117,421 5,562 199,570
77 32 3,652 3,652 0* 2,985 3,215 120,635 4,502 198,584
78 33 3,652 3,652 0* 3,073 2,599 123,877 3,567 197,737
79 34 3,652 3,652 0* 3,178 2,059 127,137 2,772 197,047
80 35 3,652 3,652 0* 3,296 1,614 130,406 2,134 196,528

NON-GUARANTEED VALUES- These benefits and values are not guaranteed. The assumptions on which they are based
are subject to change by the Company. Actual results may be more or less favorable than those shown.
* Premium Offset - See Narrative Summary for Important Additional Information.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 9 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Total Initial Death Benefit: $210,268 Total Initial Premium: $10,000

Base Policy: $191,097 Premium Mode: Annual
Paid-Up Additions Rider: $19,171 Riders Included: PUAR, ADB, WP, LBR
Initial Dividend Option: PUA
ALTERNATIVE SCENARIO TABULAR DETAIL
Dividends Based on 2010 Dividend Scale

NON-GUARANTEED
PUA Total PUA Total
Att. Contract PUA Premium Annual Surrender Surrender Death Death
Age Yr Premium Surrendered Outlay Dividend Value Value Benefit Benefit

81 36 3,652 3,652 0* 3,415 1,280 133,679 1,663 196,175

82 37 3,652 3,652 0* 3,545 1,060 136,947 1,355 195,997
83 38 3,652 3,652 0* 3,667 968 140,222 1,218 195,982
84 39 3,652 3,652 0* 3,786 997 143,508 1,236 196,119
85 40 3,652 3,652 0* 3,910 1,146 146,796 1,401 196,408
86 41 3,652 3,652 0* 4,042 1,422 150,083 1,716 196,855
87 42 3,652 3,652 0* 4,179 1,835 153,350 2,186 197,462
88 43 3,652 3,652 0* 4,321 2,389 156,591 2,814 198,232
89 44 3,652 3,652 0* 4,460 3,090 159,797 3,602 199,159
90 45 3,652 3,652 0* 4,598 3,936 162,965 4,544 200,239
91 46 3,652 3,652 0* 4,730 4,924 166,087 5,635 201,462
92 47 3,652 3,652 0* 4,827 6,050 169,199 6,868 202,792
93 48 3,652 3,652 0* 4,919 7,281 172,301 8,202 204,218
94 49 3,652 3,652 0* 5,007 8,609 175,385 9,629 205,733
95 50 3,652 3,652 0* 5,091 10,029 178,439 11,144 207,332
96 51 3,652 3,652 0* 5,179 11,536 181,450 12,743 209,019
97 52 3,652 3,652 0* 5,238 13,138 184,470 14,430 210,765
98 53 3,652 3,652 0* 5,297 14,804 187,488 16,172 212,566
99 54 3,652 3,652 0* 5,347 16,531 190,479 17,969 214,413
100 55 3,652 3,652 0* 5,406 18,309 193,429 19,811 216,314
101 56 3,652 3,652 0* 5,477 20,143 196,292 21,709 218,283
102 57 3,652 3,652 0* 5,471 22,052 199,136 23,676 220,244
103 58 3,652 3,652 0* 5,463 23,961 201,959 25,629 222,190
104 59 3,652 3,652 0* 5,452 25,867 204,749 27,567 224,116
105 60 3,652 3,652 0* 5,437 27,764 207,500 29,485 226,019
106 61 3,652 3,652 0* 5,418 29,650 210,215 31,380 227,895
107 62 3,652 3,652 0* 5,391 31,520 212,886 33,249 229,737
108 63 3,652 3,652 0* 5,360 33,366 215,504 35,083 231,540
109 64 3,652 3,652 0* 5,320 35,183 218,063 36,879 233,296
110 65 3,652 3,652 0* 5,276 36,963 220,556 38,628 235,001
111 66 3,652 3,652 0* 5,219 38,699 222,968 40,325 236,641
112 67 3,652 3,652 0* 5,156 40,378 225,293 41,957 238,210
113 68 3,652 3,652 0* 5,083 41,995 227,524 43,519 239,699
114 69 3,652 3,652 0* 4,999 43,539 229,645 45,002 241,098
115 70 3,652 3,652 0* 4,904 44,998 231,646 46,394 242,395

NON-GUARANTEED VALUES- These benefits and values are not guaranteed. The assumptions on which they are based
are subject to change by the Company. Actual results may be more or less favorable than those shown.
* Premium Offset - See Narrative Summary for Important Additional Information.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 10 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652
 A Life Insurance Illustration
Designed for: Whole Life Insurance
Lino Talley - Male Age 45 Standard Nonsmoker
Policy Form 2087

Total Initial Death Benefit: $210,268 Total Initial Premium: $10,000

Base Policy: $191,097 Premium Mode: Annual
Paid-Up Additions Rider: $19,171 Riders Included: PUAR, ADB, WP, LBR
Initial Dividend Option: PUA
ALTERNATIVE SCENARIO TABULAR DETAIL
Dividends Based on 2010 Dividend Scale

NON-GUARANTEED
PUA Total PUA Total
Att. Contract PUA Premium Annual Surrender Surrender Death Death
Age Yr Premium Surrendered Outlay Dividend Value Value Benefit Benefit

116 71 3,652 3,652 0* 4,795 46,362 233,517 47,685 243,577

117 72 3,652 3,652 0* 4,676 47,614 235,241 48,860 244,633
118 73 3,652 3,652 0* 4,539 48,746 236,805 49,911 245,547
119 74 3,652 3,652 0* 4,390 49,738 238,192 50,819 246,306
120 75 3,652 3,652 0* 4,219 50,574 239,362 51,572 246,889

NON-GUARANTEED VALUES- These benefits and values are not guaranteed. The assumptions on which they are based
are subject to change by the Company. Actual results may be more or less favorable than those shown.
* Premium Offset - See Narrative Summary for Important Additional Information.

This illustration is not valid without all pages. This is not a policy or an offer to contract and the descriptions of the policy are in summary form.
Prepared by: Tomas P McFie Ill Adv. 2087 A Life Insurance Policy Illustration
Business: 503-363-5433 Ext: 302 FAX: 503-363-5443 Page 11 of 11 Prepared on: 07/26/2010
State: Hawaii; Version: 16.05.2010 WL-3652, CP-3652