-----BEGIN PRIVACY-ENHANCED MESSAGE----- Proc-Type: 2001,MIC-CLEAR Originator-Name: webmaster@www.sec.gov Originator-Key-Asymmetric: MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB MIC-Info: RSA-MD5,RSA, Gzr1ppFJW5mAWKQI/zJXualcDz9HascOCOxUtlaKR3D0YAz/1YYFpCsX8J/ijCzg FIpmJUPgOQmQjOiaGaFgTw== 0000917677-01-500003.txt : 20010131 0000917677-01-500003.hdr.sgml : 20010131 ACCESSION NUMBER: 0000917677-01-500003 CONFORMED SUBMISSION TYPE: S-6/A PUBLIC DOCUMENT COUNT: 23 FILED AS OF DATE: 20010130 FILER: COMPANY DATA: COMPANY CONFORMED NAME: SECURITY LIFE SEPARATE ACCOUNT L1 CENTRAL INDEX KEY: 0000917677 STANDARD INDUSTRIAL CLASSIFICATION: UNKNOWN SIC - 0000 [0000] IRS NUMBER: 840499703 STATE OF INCORPORATION: CO FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: S-6/A SEC ACT: SEC FILE NUMBER: 333-50278 FILM NUMBER: 1519359 BUSINESS ADDRESS: STREET 1: 1290 BROADWAY STREET 2: C/O SECURITY LIFE CENTER CITY: DENVER STATE: CO ZIP: 80203 BUSINESS PHONE: 3038601290 MAIL ADDRESS: STREET 1: 1290 BROADWAY CITY: DENVER STATE: CO ZIP: 80203-5699 S-6/A 1 apm_013001.htm ASSET PORTFOLIO MANAGER Asset Portfolio Manager Variable Universal Life

As filed with the Securities and Exchange Commission on January 30, 2001

Registration No. 333-50278

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
_________________
FORM S-6
FOR REGISTRATION UNDER THE SECURITIES ACT OF 1933
OF SECURITIES OF UNIT INVESTMENT TRUSTS
REGISTERED ON FORM N-8B-2

Pre-Effective Amendment No. 1
_________________
SECURITY LIFE SEPARATE ACCOUNT L1
(Exact Name of Trust)

SECURITY LIFE OF DENVER INSURANCE COMPANY
(Name of Depositor)
1290 Broadway
Denver, Colorado 80203-5699
(Address of Depositor's Principal Executive Offices)

Copy to:
GARY W. WAGGONER, ESQ. KIMBERLY J. SMITH, ESQ.
Security Life of Denver Insurance Company     Sutherland Asbill & Brennan LLP
1290 Broadway 1275 Pennsylvania Avenue, NW
Denver, CO 80203-5699 Washington, D.C. 20004-2415
(202) 383-0314

(Name and Address of Agent for Service)

____________________________

Approximate date of proposed public offering: as soon as practicable after the effective date of this Registration Statement.

The Registrant hereby amends this Registration Statement on such date or dates as may be necessary to delay its effective date until the Registrant shall file a further amendment which specifically states that this Registration Statement shall thereafter become effective in accordance with Section 8(a) of the Securities Act of 1933 or until the Registration Statement shall become effective on such date as the Commission, acting pursuant to said Section 8(a), may determine.


Title of securities being registered: Asset Portfolio Manager variable life insurance policies.



SECURITY LIFE SEPARATE ACCOUNT L1 (File No. 333-50278)
Cross-Reference Table

Form N-8B-2 Item No.     Caption in Prospectus
1, 2 Cover; Security Life of Denver Insurance Company; Security Life Separate Account L1
3 Inapplicable
4 Security Life of Denver Insurance Company
5, 6 Security Life Separate Account L1
7 Inapplicable
8 Financial Statements
9 Inapplicable
10(a), (b), (c), (d), (e) Policy Summary; Policy Values; Determining Values in the Variable Division; Charges and Deductions; Surrender; Partial Withdrawals; Guaranteed Interest Division; Transfers of Account Value; Right to Exchange Policy; Lapse; Reinstatement; Premiums
10(f) Voting Privileges; Right to Change Operations
10(g), (h) Right to Change Operations
10(i) Tax Considerations; Detailed Information about the Policy; General Policy Provisions; Guaranteed Interest Division
11, 12 Security Life Separate Account L1
13 Policy Summary; Charges and Deductions; Group or Sponsored Arrangements, or Corporate Purchasers

ii


Form N-8B-2 Item No.     Caption in Prospectus
14, 15 Policy Summary; Free Look Period; General Policy Provisions; Applying for a Policy
16 Premiums; Investment Date and Allocation of Net Premiums; How We Calculate Accumulation Unit Values
17 Premium Payments Affecting Your Coverage; Surrender; Partial Withdrawal
18 Policy Summary; Tax Considerations; Detailed Information about the Policy; Security Life Separate Account L1
19 Reports to Owners; Notification and Claims Procedures; Performance Information (Appendix C)
20 See 10(g) & 10(a)
21 Policy Loans
22 Policy Summary; Premiums; Grace Period; Security Life Separate Account L1; Detailed Information about the Policy
23 Inapplicable
24 Inapplicable
25 Security Life of Denver Insurance Company
26 Inapplicable
27, 28, 29, 30 Security Life of Denver Insurance Company
31, 32, 33, 34 Inapplicable
35 Inapplicable
36 Inapplicable

iii


Form N-8B-2 Item No.     Caption in Prospectus
37 Inapplicable
38, 39, 40, 41(a) General Policy Provisions; Distribution of the Policies; Security Life of Denver Insurance Company
41(b), 41(c), 42, 43 Inapplicable
44 Determining Values in the Variable Division; How We Calculate Accumulation Unit Values
45 Inapplicable
46 Partial Withdrawals; Detailed Information about the Policy
47, 48, 49, 50 Inapplicable
51 Detailed Information about the Policy
52 Determining Values in the Variable Division; Right to Change Operations
53(a) Tax Considerations
53(b), 54, 55 Inapplicable
56, 57, 58 Inapplicable
59 Financial Statements

iv



Prospectus

ASSET PORTFOLIO MANAGER VARIABLE UNIVERSAL LIFE
A FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY

issued by
Security Life of Denver Insurance Company
and
Security Life Separate Account L1

Consider carefully the policy charges, deductions, and refunds beginning on page 44 in this prospectus.

You should read this prospectus and keep it for future reference. A prospectus for each underlying investment portfolio must accompany and should be read together with this prospectus.

This policy is not available in all jurisdictions. This policy is not offered in any jurisdiction where this type of offering is not legal. Depending on the state where it is issued, policy features may vary. You should rely only on the information contained in this prospectus. We have not authorized anyone to provide you with information that is different.

Replacing your existing life insurance policy(ies) with this policy may not be beneficial to you.

Your Policy

  • is a flexible premium variable universal life insurance policy;
  • is issued by Security Life of Denver Insurance Company; and
  • is returnable by you during the free look period if you are not satisfied.

Your Premium Payments

  • are flexible, so the premium amount and frequency may vary;
  • are allocated to variable investment options and the guaranteed interest division, based on your instructions;
  • are invested in shares of the underlying investment portfolios under each variable investment option; and
  • can be invested in as many as eighteen investment options over the policy's lifetime.

Your Account Value

  • is the sum of your holdings in the variable division, the guaranteed interest division and the loan division;
  • has no guaranteed minimum value under the variable division. The value varies with the value of the underlying investment portfolio;
  • has a minimum guaranteed rate of return for amounts in the guaranteed interest division; and
  • is subject to specified expenses and charges, including possible surrender charges.

Death Proceeds

  • are paid if the policy is in force when the insured person dies;
  • are equal to the death benefit minus an outstanding policy loan, accrued loan interest and unpaid charges incurred before the insured person dies;
  • are calculated under your choice of options:

             * Option 1 - a fixed minimum death benefit;
             * Option 2 - a stated death benefit plus your account value; and
             * Option 3 - a stated death benefit plus the sum of the premiums we receive minus partial withdrawals you have taken; and

  • are generally not subject to federal income tax if your policy continues to meet the federal income tax definition of life insurance.

Neither the SEC nor any state securities commission has approved these securities or determined that this Prospectus is accurate or complete. Any representation to the contrary is a criminal offense.

This life insurance policy IS NOT a bank deposit or obligation, federally insured or backed by any bank or government agency.

Date of Prospectus ___________________ __, 2001





ISSUED BY: Security Life of Denver Insurance Company
ING Security Life Center
1290 Broadway
Denver, CO 80203-5699
(800) 525-9852
UNDERWRITTEN BY: ING America Equities, Inc.
1290 Broadway
Denver, CO 80203-5699
(303) 860-2000
THROUGH ITS: Security Life Separate Account L1
ADMINISTERED BY: Customer Service Center
P.O. Box 173888
Denver, CO 80217-3888
(800) 848-6362



Asset Portfolio Manager   			2

TABLE OF CONTENTS

POLICY SUMMARY4
     Your Policy4
     Free Look Period4
     Premium Payments4
     Charges and Deductions 4
     Variable Division5
     Fees and Expenses of the Investment Portfolios6
     Guaranteed Interest Division8
     Policy Values8
     Transfers of Account Value9
     Special Policy Features9
     Policy Modification, Termination and Continuation Features9
     Death Benefits10
     Tax Considerations10

SECURITY LIFE, THE SEPARATE ACCOUNT AND THE
INVESTMENT OPTIONS
12
     Security Life of Denver Insurance Company12
     Security Life Separate Account L112
     Investment Portfolio Objectives13
     Guaranteed Interest Division18
     Maximum Number of Investment Options19

DETAILED INFORMATION ABOUT THE POLICY19
     Applying for a Policy19
     Temporary Insurance19
     Policy Issuance20
     Premiums20
     Premium Payments Affect Your Coverage22
     Death Benefits22
     Riders28
     Special Features29
     Policy Values31
     Transfers of Account Value32
     Dollar Cost Averaging33
     Automatic Rebalancing33
     Policy Loans34
     Partial Withdrawals35
     Lapse36
     Reinstatement37
     Surrender38
     General Policy Provisions38
                    Free Look Period38
                    Your Policy38
                    Guaranteed Issue39
                    Age39
                    Ownership39
                    Beneficiary(ies)39
                    Collateral Assignment39
                    Incontestability40
                    Misstatements of Age or Gender40
                    Suicide40
                    Transaction Processing40
                    Notification and Claims Procedures40
                    Telephone Privileges41
                    Non-participation41
                    Distribution of the Policies41
                    Advertising Practices and Sales Literature
42
                    Settlement Provisions42
     Administrative Information About the Policy42

CHARGES AND DEDUCTIONS44
     Deductions from Premiums44
     Monthly Deductions from Account Value45
     Policy Transaction Fees46
     Surrender Charge47
     Group or Sponsored Arrangements, or Corporate Purchasers     48

TAX CONSIDERATIONS49
     Tax Status of the Policy49
     Diversification and Investor Control Requirements
50
     Tax Treatment of Policy Death Benefits50
     Modified Endowment Contracts50
     Multiple Policies51
     Distributions Other than Death Benefits from
          Modified Endowment Contracts
51
     Distributions Other than Death Benefits from
          Policies That Are Not Modified Endowment Contracts
51
     Investment in the Policy51
     Policy Loans51
     Section 1035 Exchanges52
     Continuation of Policy Beyond Age 10052
     Tax-exempt Policy Owners52
     Possible Tax Law Changes52
     Changes to Comply with the Law52
     Other52

ADDITIONAL INFORMATION54
     Directors and Officers54
     Regulation55
     Legal Matters55
     Legal Proceedings55
     Experts55
     Registration Statement55

INDEX OF SPECIAL TERMS56

FINANCIAL STATEMENTS57
APPENDIX A194

APPENDIX B195

APPENDIX C196



Asset Portfolio Manager   			3

POLICY SUMMARY 

Your Policy

Your policy provides life insurance protection on the insured person. The policy includes the basic policy, applications and riders or endorsements. As long as the policy remains in force, we pay a death benefit at the death of the insured person. While your policy is in force, you may access a portion of your policy value by taking loans or partial withdrawals. You may surrender your policy for its net cash surrender value. At the policy anniversary nearest the insured person's 100th birthday if the insured person is still alive you may surrender your policy or continue it under the continuation of coverage option. See Policy Maturity, page 30 and Continuation of Coverage, page 30.

Life insurance is not a short-term investment. You should evaluate your need for life insurance coverage and this policy's long-term investment potential and risks before purchasing a policy.

Free Look Period

Within limits as specified by law, you have the right to examine your policy and return it for a refund of all premium payments we have received or the account value, if you are not satisfied for any reason. The policy is then void. See Free Look Period, page 38.

Premium Payments

The policy is a flexible premium policy because the amount and frequency of the premium payments you make may vary within limits. You must make premium payments:

  • for us to issue your policy;
  • sufficient to keep your policy in force; and
  • as necessary to continue certain benefits.

Depending on the amount of premium you choose to pay, it may not be enough to keep your policy or certain riders in force. See Premium Payments Affect Your Coverage, page 22.

Investment Date and Allocation of Net Premiums

This policy has premium-based charges which are subtracted from your payments. We add the balance, or net premium, to your policy based on your investment instructions. You may allocate the net premium among one or more variable investment options and the guaranteed interest division. See Investment Date and Allocation of Net Premiums, page 21.

Charges and Deductions

All charges presented here are current unless stated otherwise.



____________________

 

This summary highlights some important points about your policy. The policy is more fully described in the attached, complete prospectus. Please read it carefully. "We," "us," "our" and the "company" refer to Security Life of Denver Insurance Company. "You" and "your" refer to the policy owner. The owner is the individual, entity, partnership, representative or party who may exercise all rights over the policy and receive the policy benefits during the insured person's lifetime.

State variations are covered in a special policy form used in that state. This prospectus provides a general description of the policy. Your actual policy and any riders are the controlling documents. If you would like to review a copy of the policy and riders, contact our customer service center or your agent/registered representative.




Asset Portfolio Manager   			4

Charges

Other Than Investment Portfolio Annual Expenses
See Charges, Deductions and Refunds, page 44
)

Charge When Charge is Deducted Amount Deducted
Tax Charges Each premium payment received 2.5% for state and local taxes; 1.5% for estimated federal income tax treatment of deferred acquisition costs.
Sales Charge Each premium payment received For segment years 1-5, 6% sales charge on amount up to target premium; for segment years 6+, 3.5% sales charge on amount up to target premium.
Surrender Charge First nine policy or segment years Dollar amount for each $1,000 of stated death benefit; surrender charge will vary by issue age and will decline to zero in the tenth policy or segment year, maximum $50 per $1,000 of stated death benefit.
Mortality & Expense Risk Charge Monthly from account value 0.075% in policy years 1-10 (0.90% on an annual basis); 0.0375% in policy years 11-20 (0.45% on an annual basis); 0% thereafter.
Policy Charge Monthly from account value $15 per month for first three policy years; $7.50 per month thereafter.
Administrative Charge Monthly from account value Dollar amount for each $1,000 of death benefit; applied to first $5 million of death benefit, based on original issue age and policy duration, maximum $0.07 per $1,000 of death benefit per month in policy years 1 - 10 and $0.01 per $1,000 of death benefit per month in policy years 11+.
Cost of Insurance Charge Monthly from account value Varies based on current cost of insurance rates and net amount at risk.
Rider Charges Monthly from account value Varies depending on the rider benefits you choose.
Partial Withdrawal Fee Transaction date from account value Up to $25.
Illustration Fee Transaction date from account value One free illustration per policy year; thereafter, $25 per illustration.
Guaranteed Minimum Death Benefit Charge (if selected) Monthly from account value Currently, $0.005 per $1,000 of the stated death benefit during guarantee period.

Variable Division

If you invest in the variable investment options, you may make or lose money depending on market conditions. The variable investment options are described in the prospectuses for the underlying investment portfolios. Each investment portfolio has its own investment objective. See Investment Portfolio Objectives, page 13.




Asset Portfolio Manager   			5

Fees and Expenses of the Investment Portfolios

The separate account purchases shares of the underlying investment portfolios, at net asset value. This price reflects investment management fees, any 12b-1 fees and other direct expenses deducted from the portfolio assets. This table describes these fees and expenses in gross amounts and net amounts after waiver or reimbursement of fees or expenses by the investment portfolio advisers. Waivers or reimbursements are voluntary and subject to change. The portfolio expense information was provided to us by the portfolios and we have not independently verified this information.

These expenses are not direct charges against variable division assets or reductions from contract values. Rather, these expenses are included in computing each underlying portfolio's net asset value, which is the share price used to calculate the unit values of the variable investment options. For a more complete description of the portfolios' costs and expenses, see the prospectuses for the portfolios.




Asset Portfolio Manager   			6

Investment Portfolio Annual Expenses (As a Percentage of Portfolio Average Net Assets)

Portfolio   Investment Management Fees   12b-1 Fees   Other Expenses   Total Portfolio Expenses   Fees and Expenses Waived or Reimbursed   Total Net Portfolio Expenses   
AIM Variable Insurance Funds
AIM V.I. Capital Appreciation Fund 0.62% N/A 0.11% 0.73% N/A 0.73%
AIM V.I. Government Securities Fund 0.50% N/A 0.40%1 0.90% N/A 0.90%
The Alger American Fund
Alger American Growth Portfolio 0.75% N/A 0.04% 0.79% N/A 0.79%
Alger American Leveraged AllCap Portfolio 0.85% N/A 0.08%2 0.93% N/A 0.93%
Alger American MidCap Growth Portfolio 0.80% N/A 0.05% 0.85% N/A 0.85%
Alger American Small Capitalization Portfolio 0.85% N/A 0.05% 0.90% N/A 0.90%
Fidelity Variable Insurance Products Fund
VIP Growth Portfolio Service Class 3 0.58% 0.10% 0.09% 0.77% See note 3 0.77%
VIP Overseas Portfolio Service Class 3 0.73% 0.10% 0.18% 1.01% See note 3 1.01%
Fidelity Variable Insurance Products Fund II
VIP II Asset Manager Portfolio Service Class 3 0.53% 0.10% 0.11% 0.74% See note 3 0.74%3
VIP II Index 500 Portfolio 3 0.24% N/A 0.10% 0.34% See note 3 0.34%
The GCG Trust 4
Liquid Assets Fund 0.56% N/A 0.00% 0.56% N/A 0.56%
INVESCO Variable Investment Funds, Inc.
INVESCO VIF-Equity Income Fund 5 0.75% N/A 0.44% 1.19% See note 5 1.19%
INVESCO VIF-High Yield Fund 6 0.60% N/A 0.48% 1.08% See note 6 1.08%
INVESCO VIF-Small Company Growth Fund 7 0.75% N/A 3.35% 4.10% See note 7 4.10%
INVESCO VIF-Total Return Fund 8 0.75% N/A 0.55% 1.30% See note 8 1.30%
INVESCO VIF-Utilities Fund 9 0.60% N/A 1.08% 1.68% See note 9 1.68%
Janus Aspen Series Service Shares 10
Janus Aspen Aggressive Growth Service Shares 0.65% 0.25% 0.02% 0.92% N/A 0.92%
Janus Aspen Growth Service Shares 0.65% 0.25% 0.02% 0.92% N/A 0.92%
Janus Aspen International Growth Service Shares 0.65% 0.25% 0.11% 1.01% N/A 1.01%
Janus Aspen Worldwide Growth Service Shares 0.65% 0.25% 0.05% 0.95% N/A 0.95%
Neuberger Berman Advisers Management Trust
Growth Portfolio 0.84% N/A 0.08% 0.92% N/A 0.92%
Limited Maturity Bond Portfolio 0.65% N/A 0.11% 0.76% N/A 0.76%
Partners Portfolio 0.80% N/A 0.07% 0.87% N/A 0.87%
Van Eck Worldwide Insurance Trust
Worldwide Bond Fund 1.00% N/A 0.22% 1.22% N/A 1.22%
Worldwide Emerging Markets Fund 11 1.00% N/A 0.54% 1.54% See note 11 1.54%
Worldwide Hard Assets Fund 1.00% N/A 0.26% 1.26% N/A 1.26%
Worldwide Real Estate Fund 12 1.00% N/A 2.23% 3.23% See note 12 3.23%

____________________________




Asset Portfolio Manager   			7

1Included in AIM V.I. Government Securities Fund's "Other Expenses" is 0.10% of interest expense.

2Included in Alger American Leveraged AllCap portfolio's "Other Expenses" is 0.01% of interest expense.

3Fidelity absorbed a portion of the portfolio and custodian expenses for some portfolios with part of the brokerage commissions and un-invested cash balances. After this absorption, "Total Net Portfolio Expenses" are 0.75% for VIP Growth Service Class, 0.98% for VIP Overseas Service Class, 0.73% for VIP II Asset Manager Service Class and 0.28% for VIP II Index 500.

4The GCG Trust pays Directed Services, Inc. ("DSI") for its services a monthly management fee based on the annual rates of the average daily net assets of the investment portfolios. DSI (and not the GCG Trust) in turn pays each portfolio manager a monthly fee for managing the assets of the portfolios.

5INVESCO absorbed a portion of VIF-Equity Income Fund's "Other Expenses" and "Total Portfolio Expenses." After this absorption, these expenses are 0.42% and 1.17% respectively.

6INVESCO absorbed a portion of VIF-High Yield Fund's "Other Expenses" and "Total Portfolio Expenses." After this absorption, these expenses are 0.47% and 1.07% respectively.

7INVESCO absorbed a portion of VIF-Small Company Growth Fund's "Other Expenses" and "Total Portfolio Expenses." After this absorption, these expenses are 0.96% and 1.71%, respectively.

8INVESCO absorbed a portion of VIF-Total Return Fund's "Other Expenses" and "Total Portfolio Expenses." After this absorption, these expenses are 0.42% and 1.17%, respectively.

9INVESCO absorbed a portion of VIF-Utilities Fund's "Other Expenses" and "Total Portfolio Expenses." After this absorption, these expenses are 0.61% and 1.21%, respectively.

10Janus Aspen Series Service Shares have a distribution plan or "Rule 12b-1 plan" which is described in the Funds' prospectuses. Expenses are based on the estimated expenses that the Service Shares Class of each Portfolio expects to incur in its initial fiscal year. All expenses are shown without the effect of any expense offset arrangements.

11Van Eck Associates Corporation absorbed expenses exceeding 1.30% of the Fund's average daily assets, effective May 13, 1999. After this absorption, "Total Net Portfolio Expenses" are 1.34%.

12Van Eck Associates Corporation absorbed certain expenses exceeding 1.50%. The Fund's expenses were also reduced by a fee arrangement based on cash balances left on deposit with the custodian and a directed brokerage arrangement where the Fund directs certain portfolio trades to a broker that, in turn, pays a potion of the Fund's expenses. After this absorption, "Total Net Portfolio Expenses" are 1.44%.



Guaranteed Interest Division

The guaranteed interest division guarantees principal and is part of our general account. Any amount you direct into the guaranteed interest division is credited with interest at a fixed rate. See Guaranteed Interest Division, page 18.

Policy Values

Your policy account value is the amount you have in the guaranteed interest division, plus the amount you have in each variable investment option. If you have an outstanding policy loan, your account value includes the amount in the loan division. See Policy Values, page 31 and Partial Withdrawals, page 35.

Your Account Value in the Variable Division

Accumulation units are the way we measure value in the variable division. Accumulation unit value is the value of one unit of a variable investment option on a valuation date. Each variable investment option has a different accumulation unit value. See Determining Values in the Variable Division, page 31.

The accumulation unit value for each variable investment option reflects the investment performance of the underlying investment portfolio during the valuation period. Each accumulation unit value reflects the expenses of the investment portfolios. See Determining Values in the Variable Division, page 31 and How We Calculate Accumulation Unit Values, page 32.




Asset Portfolio Manager   			8

Transfers of Account Value

You may make an unlimited number of free transfers among the variable investment options or to the guaranteed interest division each policy year. There are restrictions on transfers from the guaranteed interest division. The minimum transfer amount is $100.See Transfers of Account Value, page 32 and Policy Transaction Fees, page 46.

Special Policy Features

Designated Deduction Investment Option

You may designate one investment option from which we will deduct all of your monthly deductions. See Designated Deduction Investment Option, page 29.

Riders

You may attach additional benefits to your policy by rider. In most cases, we deduct a monthly charge from your account value for these benefits. See Riders, page 28.

Dollar Cost Averaging

Dollar cost averaging is a systematic plan of transferring account values to selected investment options. It is intended to protect your policy's value from short-term price fluctuations. However, dollar cost averaging does not assure a profit, nor does it protect against a loss in a declining market. Dollar cost averaging is free. See Dollar Cost Averaging, page 33.

Automatic Rebalancing

Automatic rebalancing periodically reallocates your net account value among your selected investment options to maintain your specified distribution of account value among those investment options. Automatic rebalancing is free. See Automatic Rebalancing, page 33.

Loans

You may take loans against your policy's net cash surrender value. We charge an annual loan interest rate of 3.75% in policy years 1-10 and 3.15% thereafter. We credit an annual interest rate of 3% on amounts held in the loan division as collateral for your loan. See Policy Loans, page 34.

Loans may have tax consequences. See Tax Considerations, page 49.

Partial Withdrawals

You may withdraw part of your net cash surrender value any time after your first policy anniversary. You may make twelve partial withdrawals per policy year. Partial withdrawals may reduce your policy's death benefit and will reduce your account value. We assess a fee for each partial withdrawal; surrender charges may apply as well. See Partial Withdrawals, page 35.

Partial withdrawals may have tax consequences. See Tax Considerations, page 49.

Policy Modification, Termination and Continuation Features

Right to Exchange Policy

For 24 months after the policy date you may exchange your policy for a guaranteed policy, unless law requires differently. There is no charge for this exchange. See Right to Exchange Policy, page 30.

Surrender

You may surrender your policy for its net cash surrender value at any time before the death of the insured person. All insurance coverage ends on the date we receive your request. If the surrender charge exceeds the available cash value, there will be no proceeds paid to you on surrender.See Surrender, page 38. A surrender may have tax consequences. See Tax Considerations, page 29.

Lapse

In general, insurance coverage continues as long as your net account value is enough to pay the monthly deductions. However, your policy is guaranteed not to lapse during the guarantee period if you have elected the guaranteed minimum death benefit feature and certain conditions have been met. See Lapse, page 36 and Guaranteed Minimum Death Benefit, page 27.

Reinstatement

You may reinstate your policy and its riders within five years of its lapse if you still own the policy and the insured person meets our underwriting requirement.




Asset Portfolio Manager   			9

You will need to give proof of insurability as at policy issue. You will also need to pay required reinstatement premiums.

If the guaranteed minimum death benefit lapses and you do not correct it, this feature terminates. Once it terminates, you cannot reinstate this feature.

If you had a policy loan existing when coverage ended, we will reinstate it with accrued loan interest to the date of the lapse. See Reinstatement, page 37.

Policy Maturity

If the insured person is still living on the maturity date or the policy anniversary nearest the insured person's 100th birthday and you do not choose to let the continuation of coverage feature become effective, you must surrender your policy. We will pay the net account value. Your policy then ends. See Policy Maturity, page 30.

Continuation of Coverage

At the policy anniversary nearest the insured person's 100th birthday, you may choose to let the continuation of coverage feature become effective. See Continuation of Coverage, page 30.

Death Benefits

After the death of the insured person, we pay death proceeds to the beneficiary(ies) if your policy is still in force. Based on the death benefit option you have chosen, the base death benefit varies.

We generally require a minimum target death benefit of $100,000 for fully underwritten policies, and $50,000 for guaranteed issue policies. However, we may lower this minimum for group or sponsored arrangements, or corporate purchasers. A separate cost of insurance applies to your base death benefit. See Applying for a Policy, page 19 and Death Benefits, page 22.

You may change your death benefit amount while your policy is in force, subject to certain restrictions. See Changes in Death Benefit Amounts, page 26.

Tax Considerations

Under current federal income tax law, death benefits of life insurance policies generally are not subject to income tax. In order for this treatment to apply, the policy must qualify as a life insurance contract. We believe it is reasonable to conclude that the policy will qualify as a life insurance contract. See Tax Status of the Policy, page 49.

Assuming the policy qualifies as a life insurance contract under current federal income tax law, your account value earnings are generally not subject to income tax as long as they remain within your policy. However depending on circumstances, the following events may cause taxable consequences for you:

  • partial withdrawals;
  • loans;
  • surrender; or
  • lapse.

In addition, if your policy is a modified endowment contract, a loan against or secured by the policy may cause income taxation. A penalty tax may be imposed on a distribution from a modified endowment contract as well. See Modified Endowment Contracts, page 50.

In recent years, Congress has adopted new rules relating to life insurance owned by businesses. Any business contemplating the purchase of a new policy or a change in an existing policy should consult a tax adviser.

You should consult a qualified legal or tax adviser before you purchase your policy.




Asset Portfolio Manager   			10

How the Policy Works




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SECURITY LIFE, THE SEPARATE ACCOUNT AND THE INVESTMENT OPTIONS

Security Life of Denver Insurance Company

Security Life of Denver Insurance Company (Security Life) is a stock life insurance company organized under the laws of the State of Colorado in 1929. Our headquarters are located at 1290 Broadway, Denver, Colorado 80203-5699. We are admitted to do business in the District of Columbia and all states except New York. At the close of 1999, the company and its consolidated subsidiaries had over $184.2 billion of life insurance in force. As of December 31, 1999 our total assets were over $11.3 billion and our shareholder's equity was over $899 million.

We have a complete line of life insurance products, including:

  • annuities;
  • individual life;
  • group life;
  • pension products; and
  • market life reinsurance.

Security Life is a wholly owned indirect subsidiary of ING Groep, N.V. ("ING"). ING is one of the world's three largest diversified financial services organizations. ING is headquartered in Amsterdam, The Netherlands. It has consolidated assets over $495.0 billion on a Dutch (modified U.S.) generally accepted accounting principles basis, as of December 31, 1999.

The principal underwriter and distributor for our policies is ING America Equities, Inc. ING America Equities is a stock corporation organized under the laws of the State of Colorado in 1993. It is a wholly owned subsidiary of Security Life and is registered as a broker-dealer with the SEC and the NASD. ING America Equities, Inc. is located at 1290 Broadway, Denver, Colorado 80203-5699.

Security Life Separate Account L1

Separate Account Structure

We established Security Life Separate Account L1 (the separate account) on November 3, 1993, under Colorado's insurance law. It is a unit investment trust, registered with the SEC under the Investment Company Act of 1940. The SEC does not supervise our management of the separate account or Security Life.

The separate account is used to support our variable life insurance policies and for other purposes allowed by law and regulation. We keep the separate account assets separate from our general account and other separate accounts. We may offer other variable life insurance contracts with different benefits and charges that invest in the separate account. We do not discuss these contracts in this prospectus. The separate account may invest in other securities not available for the policy described in this prospectus.

The company owns all the assets in the separate account. We credit gains to or charge losses against the separate account without regard to performance of other investment accounts.

Order of Separate Account Liabilities

Law provides that we may not charge general account liabilities against separate account assets equal to its reserves and other liabilities. This means that if we ever become insolvent, the separate account assets will be used first to pay separate account policy claims. Only if separate account assets remain after these claims have been satisfied can these assets be used to pay other policy owners and creditors.

The separate account may have liabilities from assets credited to other variable life policies offered by the separate account. If the assets of the separate account are greater than required reserves and policy liabilities, we may transfer the excess to our general account.

Investment Options

Investment options include the variable and the guaranteed interest divisions, but not the loan division. The separate account has several variable investment options which invest in shares of underlying investment portfolios. This means that the investment performance of a policy depends on the performance of the investment portfolios you choose. Each investment portfolio has its own investment objective. These investment portfolios are not available directly to individual investors. They are available only as underlying investments for variable annuity and variable life insurance contracts and certain pension accounts.




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Investment Portfolios

Each of the investment portfolios is a separate series of an open-end management investment company. The investment company receives investment advice from a registered investment adviser who is not associated with us.

The investment portfolios sell shares to separate accounts of insurance companies. These insurance companies may or may not be affiliated with us. This is known as "shared funding." Investment portfolios may sell shares as the underlying investment for both variable annuity and variable life insurance contracts. This process is known as "mixed funding."

The investment portfolios may sell shares to certain qualified pension and retirement plans that qualify under Section 401 of the Internal Revenue Code ("IRC"). As a result, a material conflict of interest may arise between insurance companies, owners of different types of contracts and retirement plans or their participants.

If there is a material conflict, we will consider what should be done, including removing the investment portfolio from the separate account. There are certain risks with mixed and shared funding, and with selling shares to qualified pension and retirement plans. See the investment portfolios' prospectuses.

Investment Portfolio Objectives

Each investment portfolio has a different investment objective that it tries to achieve by following its own investment strategy. The objectives and policies of each investment portfolio affect its return and its risks. With this prospectus, you must receive the current prospectus for each investment portfolio. We summarize the investment objectives for each investment portfolio here. You should read each investment portfolio prospectus.

Certain investment portfolios offered under this policy have investment objectives and policies similar to other funds managed by the portfolio's investment adviser. The investment results of a portfolio may be higher or lower than those of other funds managed by the same adviser. There is no assurance, and no representation is made, that the investment results of any investment portfolio will be comparable to those of another fund managed by the same investment adviser.

Some investment portfolio advisers (or their affiliates) may pay us compensation for servicing, administration or other expenses. The amount of compensation is usually based on the aggregate assets of the investment portfolio from contracts that we issue or administer. Some advisers may pay us more or less than others and our affiliates may pay us significantly more. We receive 12b-1 fees from some investment portfolios.




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INVESTMENT PORTFOLIO OBJECTIVES
Variable Investment Option Investment Company/ Adviser/ Manager/ Sub-Adviser Investment Objective
AIM V.I. Capital Appreciation Fund Investment Company:
AIM Variable Insurance Funds

Investment Adviser:
A I M Advisors, Inc.

Seeks growth of capital through investment in common stocks.
AIM V.I. Government Securities Fund Investment Company:
AIM Variable Insurance Funds

Investment Adviser:
A I M Advisors, Inc.

Seeks to achieve high current income consistent with reasonable concern for safety of principal.
Alger American Growth Portfolio Investment Company:
The Alger American Fund

Investment Adviser:
Fred Alger Management, Inc.

Seeks long-term capital appreciation by focusing on growing companies that generally have broad product lines, markets, financial resources and depth of management. Under normal circumstances, the portfolio invests primarily in the equity securities of large companies. The portfolio considers a large company to have a market capitalization of $1 billion or greater.
Alger American Leveraged AllCap Portfolio Investment Company:
The Alger American Fund

Investment Adviser:
Fred Alger Management, Inc.

Seeks long-term capital appreciation by investing, under normal circumstances, in the equity securities of companies of any size which demonstrate promising growth potential. The portfolio can leverage, that is, borrow money, up to one-third of its total assets to buy additional securities. By borrowing money, the portfolio has the potential to increase its returns if the increase in the value of the securities purchased exceeds the cost of borrowing, including interest paid on the money borrowed.
Alger American MidCap Growth Portfolio Investment Company:
The Alger American Fund

Investment Adviser:
Fred Alger Management, Inc.

Seeks long-term capital appreciation by focusing on midsize companies with promising growth potential. Under normal circumstances, the portfolio invests primarily in the equity securities of companies having a market capitalization within the range of companies in the S&P MidCap 400 Index.
Alger American Small Capitalization Portfolio Investment Company:
The Alger American Fund

Investment Adviser:
Fred Alger Management, Inc.

Seeks long-term capital appreciation by focusing on small, fast-growing companies that offer innovative products, services or technologies to a rapidly expanding marketplace. Under normal circumstances, the portfolio invests primarily in the equity securities of small capitalization companies. A small capitalization company is one that has a market capitalization within the range of the Russell 2000 Growth Index or the S&P SmallCap 600 Index.



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INVESTMENT PORTFOLIO OBJECTIVES

Variable Investment Option Investment Company/ Adviser/ Manager/ Sub-Adviser Investment Objective
VIP Growth Portfolio Service Class Investment Company: Fidelity Variable Insurance Products Fund

Investment Manager:
Fidelity Management & Research Company

Seeks capital appreciation by investing in common stocks of companies that it believes have above-average growth potential, either domestic or foreign issuers.
VIP Overseas Portfolio Service Class Investment Company: Fidelity Variable Insurance Products Fund

Investment Manager:
Fidelity Management & Research Company

Seeks long-term growth of capital by investing at least 65% of total assets in foreign securities.
VIP II Asset Manager Portfolio Service Class Investment Company: Fidelity Variable Insurance Products Fund II

Investment Manager:
Fidelity Management & Research Company

Seeks high total return with reduced risk over the long term by allocating its assets among stocks, bonds, and short-term instruments.
VIP II Index 500 Portfolio Investment Company: Fidelity Variable Insurance Products Fund II

Investment Manager:
Fidelity Management & Research Company

Sub-Adviser:
Bankers Trust Company

Seeks investment results that correspond to the total return of common stocks publicly traded in the United States as represented by the S&P® 500.
Liquid Asset Portfolio Investment Company:
The GCG Trust

Investment Manager:
Directed Services, Inc.

Portfolio Manager:
ING Investment Management, LLC (an affiliate)

Seeks high level of current income consistent with the preservation of capital and liquidity. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
VIF-Equity Income Fund Investment Company: INVESCO Variable Investment Funds, Inc.

Investment Adviser:
INVESCO Funds Group, Inc.

Sub-Adviser:
INVESCO Capital Management, Inc.

Seeks high current income, with growth of capital as a secondary objective by investing at least 65% of its assets in dividend-paying common and preferred stocks. The rest of the fund's assets are invested in debt securities, and lower-grade debt securities.



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INVESTMENT PORTFOLIO OBJECTIVES

Variable Investment Option Investment Company/ Adviser/ Manager/ Sub-Adviser Investment Objective
VIF-High Yield Fund Investment Company: INVESCO Variable Investment Funds, Inc.

Investment Adviser:
INVESCO Funds Group, Inc.

Sub-Adviser:
INVESCO Capital Management, Inc.

Seeks to provide a high level of current income by investing substantially all of its assets in lower-rated debt securities and preferred stock, including securities issued by foreign companies.
VIF-Small Company Growth Fund Investment Company: INVESCO Variable Investment Funds, Inc.

Investment Adviser:
INVESCO Funds Group, Inc.

Sub-Adviser:
INVESCO Capital Management, Inc.

Seeks long-term capital growth by investing at least 65% of its assets in equity securities of companies with market capitalizations of $2 billion or less. The remainder of the fund's assets can be invested in a wide range of securities that may or may not be issued by small companies.
VIF-Total Return Fund Investment Company: INVESCO Variable Investment Funds, Inc.

Investment Adviser:
INVESCO Funds Group, Inc.

Sub-Adviser:
INVESCO Capital Management, Inc.

Seeks to provide high total return through both growth and current income by investing at least 30% of its assets in common stocks of companies with a strong history of paying regular dividends and 30% of its assets in debt securities. The remaining 40% of the fund is allocated among these and other investments at INVESCO's discretion, based upon current business, economic and market conditions.
VIF-Utilities Fund Investment Company: INVESCO Variable Investment Funds, Inc.

Investment Adviser:
INVESCO Funds Group, Inc.

Sub-Adviser:
INVESCO Capital Management, Inc..

Seeks capital appreciation and income by investing at least 80% of its assets in companies doing business in the utilities economic sector. The remainder of the fund's assets are not required to be invested in the utilities economic sector.
Aspen Aggressive Growth Portfolio Service Shares Investment Company:
Janus Aspen Series

Investment Adviser:
Janus Capital

Seeks long-term growth of capital by investing primarily in common stocks selected for their growth potential and normally investing at least 50% of its equity assets in medium-sized companies which fall within the range of companies in the S&P® MidCap 400 Index.
Aspen Growth Portfolio Service Shares Investment Company: Janus Aspen Series

Investment Adviser:
Janus Capital

Seeks long-term growth of capital in a manner consistent with preservation of capital by investing primarily in common stocks selected for their growth potential. Although the portfolio can invest in companies of any size, it generally invests in larger, more established companies.



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INVESTMENT PORTFOLIO OBJECTIVES

Variable Investment Option Investment Company/ Adviser/ Manager/ Sub-Adviser Investment Objective
Aspen International Growth Portfolio Service Shares Investment Company:
Janus Aspen Series

Investment Adviser:
Janus Capital

Seeks long-term growth of capital by investing at least 65% of its total assets in securities of issuers from at least five different countries, excluding the United States. Although the portfolio intends to invest substantially all of its assets in issuers located outside the United States, it may at times invest in U.S. issuers and it may at times invest all of its assets in fewer than five countries or even a single country.
Aspen Worldwide Growth Portfolio Service Shares Investment Company:
Janus Aspen Series

Investment Adviser:
Janus Capital

Seeks long-term growth of capital in a manner consistent with preservation of capital by investing primarily in common stocks of companies of any size throughout the world. The portfolio normally invests in issuers from at least five different countries, including the United States. The portfolio may at times invest in fewer than five countries or even a single country.
Growth Portfolio Investment Company: Neuberger Berman Advisers Management Trust

Investment Adviser:
Neuberger Berman Management Inc.

Sub-Adviser:
Neuberger Berman, LLC

Seeks growth of capital by investing mainly in common stock mid-capitalization companies.
Limited Maturity Bond Portfolio Investment Company: Neuberger Berman Advisers Management Trust

Investment Adviser:
Neuberger Berman Management Inc.

Sub-Adviser:
Neuberger Berman, LLC

Seeks the highest available current income consistent with liquidity and low risk to principal by investing mainly in investment-grade bonds and other debt securities from U.S. Government and corporate issuers.
Partners Portfolio Investment Company: Neuberger Berman Advisers Management Trust

Investment Adviser:
Neuberger Berman Management Inc.

Sub-Adviser:
Neuberger Berman, LLC

Seeks growth of capital by investing mainly in common stock of mid- to large-capitalization companies.



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INVESTMENT PORTFOLIO OBJECTIVES

Variable Investment Option Investment Company/ Adviser/ Manager/ Sub-Adviser Investment Objective
Worldwide Bond Fund Investment Company:
Van Eck Worldwide Insurance Trust

Investment Adviser and Manager:
Van Eck Associates Corporation

Seeks high total return--income plus capital appreciation--by investing globally, primarily in a variety of debt securities.
Worldwide Emerging Markets Fund Investment Company:
Van Eck Worldwide Insurance Trust

Investment Adviser and Manager:
Van Eck Associates Corporation

Seeks long-term capital appreciation by investing in equity securities in emerging markets around the world.
Worldwide Hard Assets Fund Investment Company:
Van Eck Worldwide Insurance Trust

Investment Adviser and Manager:
Van Eck Associates Corporation

Seeks long-term capital appreciation by investing primarily in "hard asset securities." Hard assets include precious metals, natural resources, real estate and commodities. Income is a secondary consideration.
Worldwide Real Estate Fund Investment Company:
Van Eck Worldwide Insurance Trust

Investment Adviser and Manager:
Van Eck Associates Corporation

Seeks high total return by investing in equity securities of companies that own significant real estate or that principally do business in real estate.

Guaranteed Interest Division

You may allocate all or a part of your net premium and transfer your net account value into the guaranteed interest division. The guaranteed interest division guarantees principal and is part of our general account. It pays interest at a fixed rate that we declare.

The general account contains all of our assets other than those held in the separate account (variable investment options) or other separate accounts.

The general account supports our non-variable insurance and annuity obligations. We have not registered interests in the guaranteed interest division under the Securities Act of 1933. Also, we have not registered the guaranteed interest division or the general account as an investment company under the Investment Company Act of 1940 (because of exemptive and exclusionary provisions). This means that the general account, the guaranteed interest division and its interests are generally not subject to regulation under these Acts.

The SEC staff has not reviewed the disclosures in this prospectus relating to the general account and the guaranteed interest division. These disclosures, however, may be subject to certain requirements of the federal securities law regarding accuracy and completeness of statements made.




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The amount you have in the guaranteed interest division is all of the net premium you allocate to that division, plus transfers you make to the guaranteed interest division plus interest earned.

Amounts you transfer out of or withdraw from the guaranteed interest division reduce this amount. It is also reduced by deductions for charges from your account value allocated to the guaranteed interest division.

We declare the interest rate that applies to all amounts in the guaranteed interest division. This interest rate is never less than the minimum guaranteed interest rate of 3% and will be in effect for at least twelve months. Interest compounds daily at an effective annual rate that equals the declared rate. We credit interest to the guaranteed interest division on a daily basis. We pay interest regardless of the actual investment performance of our account. We bear all of the investment risk for the guaranteed interest division.

Maximum Number of Investment Options

There are three divisions: the variable division, the guaranteed interest division and the loan division. Under the variable division, there are numerous variable investment options. See Security Life Separate Account L1, page 12 and Investment Portfolio Objectives, page 13.

You may invest in a total of eighteen investment options over the life of your policy. Investment options include the variable and the guaranteed interest divisions, but not the loan division.

As an example, if you have had funds in seventeen variable investment options and the guaranteed interest division, these are the only investment options to which you may later add or transfer funds. However, you could still take a policy loan and access the loan division.

You may want to use fewer investment options in the early years of your policy, so that you can invest in others in the future. If you invest in eighteen variable investment options, you will not be able to invest in the guaranteed interest division.

DETAILED INFORMATION ABOUT THE POLICY

This prospectus describes our standard Asset Portfolio Manager variable universal life insurance policy. There may be differences in the policy because of state requirements where we issue your policy. We will describe any such differences in your policy.

Applying for a Policy

You purchase this variable universal life policy by submitting an application to us. On the policy date, the insured person should be no older than age 85. The minimum age to issue a policy for smokers is age 15. For groups, the maximum issue age is 70. The insured person is the person on whose life we issue the policy. See Age, page 39.

You may request that we back-date the policy up to six months to allow the insured person to give proof of a younger age for the purposes of your policy.

We may reduce the minimum death benefit for group or sponsored arrangements, or corporate purchasers. Our underwriting and reinsurance procedures in effect at the time you apply limit the maximum death benefit.

Temporary Insurance

If you apply and qualify, we may issue temporary insurance in an amount equal to the face amount of the permanent insurance for which you applied. The maximum amount of temporary insurance for binding limited life insurance coverage is $3 million, which includes any other in-force coverage you have with us.

Temporary coverage begins when:

  1. you have completed and signed our binding limited life insurance coverage form;
  2. we receive and accept a premium payment of at least your scheduled premium (selected on your application); and
  3. part I of the application is complete.



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Temporary life insurance coverage ends on the earliest of:

  • the date we return your premium payments;
  • five days after we mail notice of termination to the address on your application;
  • the date your policy coverage starts;
  • the date we refuse to issue a policy based on your application; or
  • 90 days after you sign our binding limited life insurance coverage form.

There is no death benefit under the temporary insurance agreement if:

  • there is a material misrepresentation in your answers on the binding limited life insurance coverage form;
  • there is a material misrepresentation in statements on your application;
  • the person intended to be the insured person dies by suicide or self-inflicted injury; or
  • the bank does not honor your premium check.

Policy Issuance

Before we issue a policy, we require satisfactory evidence of insurability of the insured person and payment of your initial premium. This evidence may include a medical examination and completion of all underwriting and issue requirements.

The policy date shown on your policy schedule determines:

  • monthly processing dates;
  • policy months;
  • policy years; and
  • policy anniversaries.

The policy date is not affected by when you receive the policy. We charge monthly deductions from the policy date unless your policy specifies otherwise.

The policy date is determined one of three ways:

  1. the date you designate on your application, subject to our approval;
  2. the back-date of the policy to save age, subject to our approval and law; or
  3. if there is no designated date or back-date, the policy date is:
  •   the date all underwriting and administrative requirements have been met if we receive your initial premium before we issue your policy; or
  •   the date we receive your initial premium if it is after we approve your policy for issue.

Definition of Life Insurance Choice

At policy issue, you may choose one of two tests for the federal income tax definition of life insurance. You cannot change your choice later. The tests are the cash value accumulation test and the guideline premium/cash value corridor test. If you choose the guideline premium/cash value corridor test, we may limit premium payments relative to your policy death benefit under this test. See Tax Status of the Policy, page 49.

Premiums

You may choose the amount and frequency of premium payments, within limits. You cannot make premium payments after the death of the insured person or after the continuation of coverage period begins. See Continuation of Coverage, page 30.

We consider payments we receive to be premium payments if you do not have an outstanding loan and your policy is not in the continuation of coverage period. After we deduct certain charges from your premium payment, we add the remaining net premium to your policy.

Scheduled Premiums

Your premiums are flexible. You may select your scheduled premium (within our limits) when you apply for your policy. The scheduled premium, shown in your policy and schedule, is the amount you choose to pay over a stated time period. This amount may or may not be enough to keep your policy in force. You may receive premium reminder notices for the scheduled premium on a quarterly, semi-annual or annual basis. You are not required to pay the scheduled premium.

You may choose to pay your premium by electronic funds transfer each month. This option is not available for your initial premium. The financial institution that makes your electronic funds transfer may charge for this service.

You can change the amount of your scheduled premium within our minimum and maximum limits at any time. If you fail to pay your scheduled premium or if you change the amount of your scheduled premium, your policy performance will be affected. During the special continuation period, your scheduled premium should not be less than the minimum annual premium shown in your policy.




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If you want the guaranteed minimum death benefit, your scheduled premium should not be less than the guarantee period annual premium shown in your policy. See Guaranteed Minimum Death Benefit, page 27.

Unscheduled Premium Payments

Generally speaking, you may make unscheduled premium payments at any time, however:

  1. We may limit the amount of your unscheduled premium payments that would result in an increase in the base death benefit amount required by the federal income tax law definition of life insurance. We may require satisfactory evidence that the insured person is insurable at the time that you make the unscheduled premium payment if the death benefit is increased due to your unscheduled premium payments;
  2. We may require proof that the insured person is insurable if your unscheduled premium payment will cause the net amount at risk to increase; and
  3. We will return premium payments which are greater than the "seven-pay" limit for your policy if your payment would cause your policy to become a modified endowment contract, unless you have acknowledged in writing the new modified endowment contract status for your policy. The "seven-pay" limit is defined by the Internal Revenue Code and actuarially determined. It varies based on the age, gender and premium class of each insured, as well as the death benefit and additional benefits or riders on the policy. It is generally the maximum possible premium that we may receive during the first seven policy years in order for the policy not to be classified as a modified endowment contract.

See Modified Endowment Contracts, page 50 and Changes to Comply with the Law, page 52.

If you have an outstanding policy loan and you make an unscheduled payment, we will consider it a loan repayment, unless you tell us otherwise. If your payment is a loan repayment, we do not take tax or sales charges which apply to premium payments.

Target Premium

Target premium is not based on your scheduled premium. Target premium is actuarially determined based on the age and gender of the insured person. The target premium is used in determining your initial sales charge and the sales compensation we pay. It may or may not be enough to keep your policy in force. You are not required to pay the target premium and there is no penalty for paying more or less. The target premium for your policy and each additional segment is listed in the policy schedule we provide to you. See Premiums, page 20.

Investment Date and Allocation of Net Premiums

The net premium is the balance remaining after we deduct tax and sales charges from your premium payment.

Insurance coverage does not begin until we receive your initial premium. It must be at least the sum of the scheduled premiums due from your policy date through your investment date.

The investment date is the first date we apply the net premium we have received to your policy. If we receive your initial premium after we approve your policy for issue, the investment date is the date we receive your initial premium.

We apply the initial net premium to your policy after:

a)we receive the required amount of premium;

b)all issue requirements have been received by our customer service center; and

c)we approve your policy for issue.

Amounts you designate for the guaranteed interest division will be allocated to that division on the investment date. If your state requires the return of your premium during the free look period, we initially invest amounts you have designated for the variable division in The GCG Trust Liquid Asset Portfolio. We later transfer these amounts from the Liquid Asset Portfolio to your selected variable investment options, based on your most recent premium allocation instructions, at the earlier of the following dates:

  • five days after we mailed your policy plus your state free look period has ended; or
  • we have received your delivery receipt plus your state free look period has ended.

If your state provides for return of account value during the free look period or no free look period, we invest amounts you designated for the variable division directly into your selected variable investment options.




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We allocate all later premium payments to your policy on the valuation date of receipt. We use your most recent premium allocation instructions specified in whole numbers totaling 100% and using up to eighteen investment options over the life of your policy. See Maximum Number of Investment Options, page 19.

You may make premium allocation changes throughout the year without charge. If you change your designated deduction investment option from which monthly deductions are taken, we consider this a premium allocation change.

Premium Payments Affect Your Coverage

Unless you have the guaranteed minimum death benefit feature, your coverage lasts only as long as your net account value is enough to pay the monthly charges and your cash surrender value is more than your outstanding policy loan plus accrued loan interest. If you do not meet these conditions, your policy will enter the 61-day grace period and you must make a premium payment to avoid lapse. See Lapse, page 36 and Grace Period, page 37.

Under the guaranteed minimum death benefit option, the base death benefit portion of your policy remains effective until the end of the guarantee period. The guaranteed minimum death benefit feature does not apply to riders which terminate when your policy is kept in force under this feature. You must meet all conditions of the guarantee. See Guaranteed Minimum Death Benefit, page 27.

Modified Endowment Contracts

There are special federal income tax rules for distributions from life insurance policies which are modified endowment contracts. These rules apply to policy loans, surrenders and partial withdrawals. Whether or not these rules apply depends upon whether or not the premiums we receive are greater than the "seven-pay" limit.

If we find that your scheduled premium causes your policy to be a modified endowment contract on your policy date, we will require you to acknowledge that you know the policy is a modified endowment contract. We will issue your policy based on the scheduled premium you selected. If you do not want your policy to be issued as a modified endowment contract, you may reduce your scheduled premium to a level which does not cause your policy to be a modified endowment contract. We will then issue your policy based on the revised scheduled premium. See Modified Endowment Contracts, page 50.

Death Benefits

You can decide the amount of insurance you need, now and in the future. You can combine the long-term advantages of permanent life insurance (base coverage) with the flexibility and short-term advantages of term life insurance. Both permanent and term life insurance are available with your one policy. The stated death benefit is the permanent element of your policy. The adjustable term insurance rider is the term insurance element of your policy. See Adjustable Term Insurance Rider, page 28.

When we issue your policy, we base the initial insurance coverage on the instructions in your application. The death benefit at issue may vary from the stated death benefit plus adjustable term insurance coverage for some 1035 exchanges.

It may be to your economic advantage to include part of your insurance coverage under the adjustable term insurance rider. Both the cost of insurance under the adjustable term insurance rider and the cost of insurance for the base death benefit are deducted monthly from your account value and generally increase with the age of the insured person. Use of the adjustable term insurance rider may reduce sales compensation, but may increase the monthly cost of insurance. See Adjustable Term Insurance Rider, page 28.

Your death benefit is calculated as of the date of death of the insured person.




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Death Benefit Summary

This chart assumes no death benefit option changes and no requested or scheduled increases or decreases in stated or target death benefit and that partial withdrawals are less than the premium we receive.

Option 1 Option 2 Option 3
Stated Death Benefit The amount of policy death benefit at issue, not including rider coverage. This amount stays level throughout the life of the policy. The amount of policy death benefit at issue, not including rider coverage. This amount stays level throughout the life of the policy. The amount of policy death benefit at issue, not including rider coverage. This amount stays level throughout the life of the policy.
Base Death Benefit The greater of the stated death benefit or the account value multiplied by the appropriate factor from the definition of life insurance factors. The greater of the stated death benefit plus the account value or the account value multiplied by the appropriate factor from the definition of life insurance factors. The greater of the stated death benefit plus the sum of all premiums we receive minus partial withdrawals you have taken or the account value multiplied by the appropriate factor from the definition of life insurance factors.
Target Death Benefit Stated death benefit plus adjustable term insurance rider benefit. This amount remains level throughout the life of the policy. Stated death benefit plus adjustable term insurance rider benefit. This amount remains level throughout the life of the policy. Stated death benefit plus adjustable term insurance rider benefit. This amount remains level throughout the life of the policy.
Total Death Benefit It is the greater of the target death benefit or the base death benefit. It is the greater of the target death benefit plus the account value or the base death benefit. It is the greater of the target death benefit plus the sum of all premiums we receive minus partial withdrawals you have taken or the base death benefit.



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Option 1 Option 2 Option 3
Adjustable Term Insurance Rider Benefit The adjustable term insurance rider benefit is the total death benefit minus base death benefit, but it will not be less than zero. If the account value multiplied by the death benefit corridor factor is greater than the stated death benefit, the adjustable term insurance benefit will be decreased. It will be decreased so that the sum of the base death benefit and the adjustable term insurance rider benefit is not greater than the target death benefit. If the base death benefit becomes greater than the target death benefit, then the adjustable term insurance rider benefit is zero. The adjustable term insurance rider benefit is the total death benefit minus the base death benefit, but it will not be less than zero. If the account value multiplied by the death benefit corridor factor is greater than the stated death benefit plus the account value, the adjustable term insurance rider benefit will be decreased. It will be decreased so that the sum of the base death benefit and the adjustable term insurance rider benefit is not greater than the target death benefit plus the account value. If the base death benefit becomes greater than the target death benefit plus the account value, then the adjustable term insurance rider benefit is zero. The adjustable term insurance rider benefit is the total death benefit minus the base death benefit, but it will not be less than zero. If the account value multiplied by the death benefit corridor factor is greater than the stated death benefit plus the sum of all premiums we receive minus partial withdrawals you have taken, the adjustable term insurance rider benefit will be decreased. It will be decreased so that the sum of the base death benefit and the adjustable term insurance rider benefit is not greater than the target death benefit; plus the sum of all premiums we receive minus partial withdrawals you have taken. If the base death benefit becomes greater than the target death benefit plus the sum of all premiums we receive minus partial withdrawals you have taken, then the adjustable term insurance rider benefit is zero.

Base Death Benefit

Your base death benefit can be different from your stated death benefit as a result of:

  • your choice of death benefit option;
  • increases or decreases in the stated death benefit; or
  • a change in your death benefit option.

Federal income tax law requires that your death benefit be at least as much as your account value multiplied by a factor defined by law. This factor is based on:

  • the insured person's age;
  • the insured person's gender.
  • the cash value accumulation test for the federal income tax law definition of life insurance. See Appendix A, page 194.

As long as your policy is in force, we will pay the death proceeds to your beneficiary(ies) calculated at the death of the insured person. The beneficiary(ies) is(are) the person (people) you name to receive the death proceeds from your policy. The death proceeds are:

  • your base death benefit; plus
  • rider benefits; minus
  • your outstanding policy loan with accrued loan interest; minus
  • outstanding policy charges incurred before the death of the insured person.

There could be outstanding policy charges if the insured person dies while your policy is in the grace period.

Death Benefit Options

You have a choice of three death benefit options (described below). Your choice may result in your base death benefit being greater than your stated death benefit.

Under death benefit option 1, your base death benefit is the greater of:




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  1. your stated death benefit on the date of the insured person's death; or
  2. your account value on the date of the insured person's death multiplied by the appropriate factor from the definition of life insurance factors shown in Appendix A.

With option 1, positive investment performance generally reduces your net amount at risk, which lowers your policy's cost of insurance charge. Option 1 offers insurance coverage that is a set amount with potentially lower cost of insurance charges over time.

Under death benefit option 2, your base death benefit is the greater of:

  1. your stated death benefit plus your account value on the date of the insured person's death; or
  2. your account value on the date of the insured person's death multiplied by the appropriate factor from the definition of life insurance factors shown in Appendix A.

With option 2, investment performance is reflected in your insurance coverage.

Under death benefit option 3, the base death benefit is the greater of:

  1. your stated death benefit plus the sum of all premiums we have received minus partial withdrawals you have taken under your policy; or
  2. your account value on the date of the insured person's death multiplied by the appropriate factor from the definition of life insurance factors shown in Appendix A or B.

With option 3, the base death benefit generally will increase as we receive premiums and decrease if you take partial withdrawals. In no event will your base death benefit be less than your stated death benefit.

Death benefit options 2 and 3 are not available during the continuation of coverage period. If you have option 2 or 3 on your policy, it automatically converts to death benefit option 1 when the continuation of coverage period begins. See Continuation of Coverage, page 30.

Changes in Death Benefit Options

You may request a change in your death benefit option at any time on or after your first monthly processing date and before the continuation of coverage period begins. A death benefit option change applies to your entire stated or base death benefit. Changing your death benefit option may reduce or increase your target death benefit, as well as your stated death benefit.

Your death benefit option change is effective on your next monthly processing date after we approve it, so long as at least one day remains before your monthly processing date. If less than one day remains before your monthly processing date, your change will be effective on your second following monthly processing date.

You may change from death benefit option 1 to option 2, from option 2 to option 1, or from option 3 to option 1. For you to change from death benefit option 1 to option 2, we may require proof that the insured person is insurable under our normal rules of underwriting.

After we approve your request, we send a new policy schedule page to you. You should attach it to your policy. We may ask you to return your policy to our customer service center so that we can make this change for you.

We may not approve a death benefit option change if it reduces the target or stated death benefit below the minimum we require to issue your policy.

On the effective date of your option change, your stated death benefit changes as follows:

Change From Change To Stated Death Benefit Following Change:
Option 1 Option 2 your stated death benefit before the change minus your account value as of the effective date of the change.
Option 2 Option 1 your stated death benefit before the change plus your account value as of the effective date of the change.
Option 3 Option 1 your stated death benefit before the change plus the sum of the premiums we have received, minus partial withdrawals you have taken as of the effective date of the change.



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We increase or decrease your stated death benefit on the date of your death benefit option change to keep

the net amount at risk the same. There is no change to the amount of term insurance if you have an adjustable term insurance rider. See Cost of Insurance Charge, page 45.

If you change your death benefit option, we adjust the stated death benefit for each of your segments by allocating your account value to each benefit segment. For example, if you change from death benefit option 1 to option 2, your stated death benefit is decreased by the amount of your account value allocation to that segment. If you change from death benefit option 2 to option 1, your stated death benefit is increased by the amount allocated to that segment.

We do not impose a surrender charge for a decrease in your stated death benefit because you change your death benefit option. We do not adjust the target premium when you change your death benefit option. See Surrender Charge, page 47.

Changing your death benefit option may have tax consequences. You should consult a tax adviser before making changes.

Changes in Death Benefit Amounts

Contact your agent/registered representative or our customer service center to request a change in your policy's death benefit. The request is effective on the next monthly processing date after we receive and approve your request. There may be underwriting or other requirements which must be met before your request can be approved. Your requested change must be for at least $1,000.

After we make your requested change, we will send you a new policy schedule page. Keep it with your policy. We may ask you to send your policy to us so that we can make the change for you.

We may not approve a requested change if it will disqualify your policy as life insurance under federal income tax law. If we disapprove a change for any reason, we provide you with a notice of our decision. See Tax Considerations, page 49.

You may request a decrease in the stated death benefit only after your first policy anniversary.

If you decrease your death benefit, you may not decrease your target death benefit below the minimum we require to issue your policy.

Requested reductions in the death benefit will first decrease the target death benefit. We decrease your stated death benefit only after your adjustable term insurance rider coverage is reduced to zero. If you have more than one segment, we divide decreases in stated death benefit among your benefit segments pro rata unless law requires differently.

You must provide satisfactory evidence that the insured person is still insurable to increase your death benefit. Unless you tell us differently, we assume your request for an increase in your target death benefit is also a request for an increase to your stated death benefit. Thus, the amount of your adjustable term insurance rider will not change. You may change your target death benefit once a policy year.

The initial death benefit segment, or first segment, is the stated death benefit on your policy's effective date. A requested increase in stated death benefit will cause a new segment to be created. Once we create a new segment, it is permanent unless law requires differently. The segment year runs from the segment effective date to its anniversary.

Each new segment may have:

  • a new sales charge;
  • new surrender charges;
  • new cost of insurance charges, guaranteed and current;
  • a new incontestability period;
  • a new suicide exclusion period; and
  • a new target premium.

We allocate the net amount at risk among segments in the same proportion that each segment bears to the total stated death benefit. Premiums we receive after an increase are applied to your policy segments in the same proportion as the target premium for each segment bears to the total target premium for all segments. Sales charges are deducted from each segment's premium based on the length of time that segment has been effective.




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There may be tax consequences as a result of a decrease in your death benefit, as well as a possible surrender charge. You should consult a tax adviser before changing your death benefit amount. See Tax Status of the Policy, page 49 and Modified Endowment Contracts, page 50.

Guaranteed Minimum Death Benefit

Usually, your coverage lasts only as long as your net account value is enough to pay the monthly charges and your cash surrender value is more than your outstanding policy loan plus accrued loan interest. Your account value depends on:

  1. timing and amount of any premium payments;
  2. the investment performance of the variable investment options;
  3. the interest you earn in the guaranteed interest division;
  4. the amount of your monthly charges;
  5. partial withdrawals you take; and
  6. loan activity you may have.

The guaranteed minimum death benefit may be selected only at policy issue. This option extends the period that your policy's stated death benefit remains in effect even if the variable investment options perform poorly. It has a guarantee period that lasts until the insured person turns age 65 or ten policy years, whichever is later.

The guaranteed minimum death benefit coverage does not apply to riders, including the adjustable term insurance rider. Therefore, if your net account value is not enough to pay the deductions as they come due on your policy, only the stated death benefit portion of your coverage is guaranteed to stay in force. See Lapse, page 36.

Charges for your guaranteed minimum death benefit and base coverage are deducted each month to the extent that there is sufficient net account value to pay these charges. If there is not sufficient net account value to pay a charge, it is not permanently waived. Deduction of charges will resume once there is sufficient net account value.

The guaranteed minimum death benefit feature is not available in some states.

Requirements to Maintain the Guarantee Period

To qualify for the guaranteed minimum death benefit you must pay an annual premium higher than the minimum annual premium. During the guarantee period we also will deduct a monthly charge from your account value. This higher premium is called the guarantee period annual premium. The guarantee period monthly premium is one-twelfth of the guarantee period annual premium. Your net account value must meet certain diversification requirements. See Charges, Deduction and Refunds, page 44.

Your guarantee period annual premium depends on:

  • your policy's stated death benefit;
  • the insured person's age, gender, premium class and underwriting characteristics;
  • additional rider coverage on your policy; and
  • other additional benefits on your policy.

At each monthly processing date we test to see if you have paid enough premium to keep your guarantee in place. We calculate:

  • actual premiums we receive; minus
  • the amount of any partial withdrawals you make; minus
  • policy loan amounts you take with accrued loan interest. This amount must equal or exceed;
  • the sum of the guarantee period monthly premium payments for each policy month starting with your first policy month through the end of the policy month that begins on the current monthly processing date.

You must continually meet the requirements of the guarantee period for this feature to remain in effect. We show the guarantee period annual premium on your policy schedule. If your policy benefits increase, the guarantee period annual premium increases.

In addition, the guarantee period ends if your net account value on any monthly processing date is not diversified as follows:

  1. your net account value is invested in at least five investment options; and
  2. no more than 35% of your net account value is in any one investment option.

Your policy will continue to meet the diversification requirements if:




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  1. you have automatic rebalancing and you meet the two diversification tests listed above; or
  2. you have dollar cost averaging which results in transfers into at least four investment options with no more than 35% of any transfer directed to any one.

See Dollar Cost Averaging, page 33 and Automatic Rebalancing, page 33.

If you select the guaranteed minimum death benefit option, you must make sure your policy satisfies the premium test and diversification test. If you fail to satisfy either test and you do not correct the condition, this feature terminates. Once it has terminated, you cannot reinstate the guaranteed minimum death benefit feature. The guarantee period annual premium then no longer applies to your policy.

Riders

Your policy may include benefits, attached by rider. A rider may have an additional cost. You may cancel riders at any time.

Periodically we may offer other riders not listed here. Contact your agent/registered representative for a complete list of riders available.

Adding or canceling riders may have tax consequences. See Modified Endowment Contracts, page 50.

Adjustable Term Insurance Rider

You may increase your death proceeds by adding an adjustable term insurance rider. This rider allows you to schedule the pattern of death benefits appropriate for anticipated needs. As the name suggests, the adjustable term insurance rider adjusts over time to maintain your desired level of coverage.

You specify a target death benefit when you apply for this rider. The target death benefit can be level for the life of your policy or can be scheduled to change at the beginning of a selected policy year(s). See Death Benefits, page 22.

The adjustable term insurance rider death benefit is the difference between your target death benefit and your base death benefit, but not less than zero. The rider's death benefit automatically adjusts daily as your base death benefit changes. Your death benefit depends on which death benefit option is in effect:

Option 1:If option 1 is in effect, the total death benefit is the greater of:

  1. the target death benefit; or
  2. the account value multiplied by the appropriate factor from the death benefit corridor factors in the policy.

Option 2:If option 2 is in effect, the total death benefit is the greater of:

  1. the target death benefit plus the account value; or
  2. the account value multiplied by the appropriate factor from the death benefit corridor factors in the policy.

Option 3:If option 3 is in effect, the total death benefit is the greater of:

  1. the target death benefit plus the sum of the premiums we have received minus partial withdrawals you have taken; or
  2. the account value multiplied by the appropriate factor from the death benefit corridor factors in the policy.

For example, under option 1, assume your base death benefit changes as a result of a change in your account value. The adjustable term insurance rider adjusts to provide death benefits equal to your target death benefit in each year:

Base Death Benefit Target Death Benefit Adjustable Term Insurance Rider Amount
$201,500 $250,000 $48,500
202,500 250,000 47,500
202,250 250,000 47,750

It is possible that the amount of your adjustable term insurance may be zero if your base death benefit increases enough. Using the same example, if the base death benefit under your policy grew to $250,000 or more, the adjustable term insurance would be zero.




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Even when the adjustable term insurance is reduced to zero, your rider remains in effect until you remove it from your policy. Therefore, if later the base death benefit drops below your target death benefit, the adjustable term insurance rider coverage reappears to maintain your target death benefit.

You may change the target death benefit schedule after it is issued, based on our rules. See Changes in Death Benefit Amounts, page 26.

We may deny future, scheduled increases to your target death benefit if you cancel a scheduled change or if you ask for an unscheduled decrease in your target death benefit.

Partial withdrawals, changes from death benefit option 1 to option 2, and base decreases may reduce your target death benefit. See Partial Withdrawals, page 35 and Changes in Death Benefit Options, page 25.

There is no defined premium for a given amount of adjustable term insurance coverage. Instead, we deduct a separate monthly cost of insurance charge from your account value. The cost of insurance for this rider is calculated as the monthly cost of insurance rate for the rider coverage multiplied by the adjustable term death benefit in effect at the monthly processing date. The cost of insurance rates are determined by us from time to time. They are based on the issue age, gender and premium class of the insured person, as well as the length of time since your policy date.

The only charge for this rider is the cost of insurance charge. The total charges that you pay may be less if you have greater coverage under an adjustable term insurance rider rather than as base death benefit.

If the target death benefit is increased by you after the adjustable term insurance rider is issued, we use the same cost of insurance rate schedule for the entire coverage for this rider. These rates are based on the original premium class even though satisfactory new evidence of insurability is required for the increased schedule. The monthly guaranteed maximum cost of insurance rates for this rider will be stated in the policy. See Cost of Insurance Charge, page 45.

Not all policy features apply to the adjustable term insurance rider. The rider does not contribute to the policy account value nor to surrender value. It does not affect investment performance and cannot be used for a policy loan. The adjustable term insurance rider provides benefits only at the insured person's death.

Waiver of Cost of Insurance Rider

If the insured person becomes totally disabled while your policy is in force, this rider provides that we waive the monthly expense, cost of insurance and rider charges during the disability period. The insured person must be no less than age 10 and no more than age 55. This rider is available only for fully underwritten policies. If you add this rider to your policy, you may not add the waiver of specified premium rider. The rider charges are included as part of your monthly cost of insurance charge. See Cost of Insurance Charge, page 45.

Waiver of Specified Premium Rider

If the insured person becomes totally disabled while your policy is in force, this rider provides that after a waiting period, we credit a specified premium amount monthly to your policy during the disability period. The insured person must be no less than age 10 and no more than age 55. The minimum coverage under this rider is $25 monthly.

A policy may contain either the Waiver of Cost of Insurance Rider or the Waiver of Specified Premium Rider, but not both.

Subject to our underwriting, you specify this amount on the application for the policy.




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Special Features

Designated Deduction Investment Option

You may designate an investment option from which we will deduct your monthly charges. You may make this designation at any time. You may not use the loan division as your designated deduction option.

You may elect not to choose a designated deduction investment option or the amount in your designated deduction investment option may not be enough to cover the monthly deductions. If so, these charges are taken from the variable and guaranteed interest divisions in the same proportion that your account value in each has to your total net account value on the monthly processing date.

Right to Exchange Policy

During the first 24 months after your policy date, you have the right to exchange your policy for a guaranteed policy, unless law requires differently. We transfer the amount you have in the variable division to the guaranteed interest division. We allocate all of your future net premiums only to the guaranteed interest division. We do not allow future payments or transfers to the variable investment options after you exercise this right.

We will not charge you for this exchange. See Guaranteed Interest Division, page 18.

Policy Maturity

You may surrender your policy at any time. At the policy anniversary nearest the insured person's 100th birthday if you do not choose to let the continuation of coverage feature become effective, the policy matures. You may then surrender the policy for the net account value and end coverage. Part of this payment may be taxable. You should consult your tax adviser.

Continuation of Coverage

The continuation of coverage feature allows your insurance coverage to continue in force beyond policy maturity. If on the policy anniversary nearest the insured person's 100th birthday you choose to allow the continuation of coverage feature to become effective, we:

  • convert target death benefit to stated death benefit;
  • convert death benefit option 2 and option 3 to death benefit option 1, if applicable;
  • terminate all riders;
  • transfer your net account value (excluding the amount in the loan division) into the guaranteed interest division; and
  • terminate dollar cost averaging and automatic rebalancing.

Your insurance coverage continues in force until the death of the insured person, unless the policy lapses or is surrendered. However:

  • we accept no further premium payments;
  • we deduct no further charges;
  • your monthly deductions cease; and
  • you may not make transfers into the variable division. See Continuation of Coverage page 30.

During the continuation of coverage period, you may take policy loans or partial withdrawals from your policy.

If you have an outstanding policy loan, interest continues to accrue. If you fail to make sufficient loan or loan interest payments, it is possible that the loan balance plus accrued interest may become greater than your account value and cause your policy to lapse. To avoid this lapse, you may make loan and loan interest payments during the continuation of coverage period.

If you wish to stop coverage during the continuation of coverage period, you may surrender your policy and receive the net account value. There is no surrender charge during the continuation of coverage period. All normal consequences of surrender apply. See Surrender, page 38 and Surrender Charge, page 47.

The continuation of coverage feature may not be available in all states. If a state has approved this feature, it is an automatic feature and you do not need to take any action to activate it. In certain states that have approved the continuation of coverage feature, if you accept the continuation of coverage feature, the death benefit during the continuation of coverage period is the account value. Contact your agent/registered representative or our customer service center to find out whether this feature is available in your state and, if so, which type of continuation of coverage applies in your state.




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The tax consequences of coverage continuing beyond the insured person's 100th birthday are uncertain. You should consult a tax adviser as to those consequences.

Policy Values

Account Value

Your account value is the total amount you have in the guaranteed interest division, the variable division and the loan division. Your account value reflects:

  • net premiums applied;
  • charges deducted;
  • partial withdrawals taken;
  • investment performance of the variable investment options;
  • interest earned on the guaranteed interest division; and
  • interest earned on the loan division.

Net Account Value

Your policy's net account value is your account value minus the amount of your outstanding policy loan and accrued loan interest, if any.

Cash Surrender Value

Your cash surrender value is your account value minus any surrender charge due.

Net Cash Surrender Value

Your net cash surrender value is your cash surrender value minus the amount of your outstanding policy loan and accrued loan interest, if any.

Determining Values in the Variable Division

The amounts in the variable division are measured by accumulation units and accumulation unit values. The value of each variable investment option is the accumulation unit value for that option multiplied by the number of accumulation units you own in that option. Each variable investment option has a different accumulation unit value.

The accumulation unit value is the value of one accumulation unit determined on each valuation date. The accumulation unit value of each variable investment option varies with the investment performance of the underlying portfolio. It reflects:

  • investment income;
  • realized and unrealized gains and losses; and
  • investment portfolio expenses.

See How We Calculate Accumulation Unit Values, page 32.

You purchase accumulation units when you allocate premium or make transfers to a variable investment option, including transfers from the loan division.

We redeem accumulation units:

  • when amounts are transferred from a variable investment option (including transfers to the loan division);
  • for your policy's monthly deductions from your account value;
  • for policy transaction charges;
  • for surrender charges;
  • when you take a partial withdrawal;
  • when you surrender your policy; and
  • to pay the death proceeds.

We calculate the number of accumulation units purchased or sold by:

  1. dividing the dollar amount of your transaction by:
  2. the accumulation unit value for that variable investment option calculated at the close of business on the valuation date of the transaction.

A valuation date is one on which the net asset value of the investment portfolio shares and unit values of the variable investment options are determined. A valuation date is each day the New York Stock Exchange and the company's customer service center are open for business, except for days on which an investment portfolio does not value its shares or any other day as required by law. Each valuation date ends at 4:00 p.m. Eastern time.

The date of a transaction is the date we receive your premium or transaction request at our customer service center, so long as the date of receipt is a valuation date. We use the accumulation unit value which is next calculated after we receive your premium or transaction request and we use the number of accumulation units attributable to your policy on the date of receipt.




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We take monthly deductions from your account value on the monthly processing date. If your monthly processing date is not a valuation date, the monthly deduction is processed on the next valuation date.

The value of amounts allocated to the variable investment options goes up or down depending on investment performance of the underlying investment portfolio.

For amounts in the variable investment options, there is no guaranteed minimum value.

How We Calculate Accumulation Unit Values

We determine accumulation unit values on each valuation date.

We generally set the accumulation unit value for a variable investment option at $10 when the investment option is first opened. After that first date, the accumulation unit value on any valuation date is:

  1. the accumulation unit value for the preceding valuation date multiplied by
  2. the variable investment option's accumulation experience factor for the valuation period.

Every valuation period begins at 4:00 p.m. Eastern time on a valuation date and ends at 4:00 p.m. Eastern time on the next valuation date.

We calculate an accumulation experience factor for each variable investment option every valuation date as follows:

  1. We take the share value of the underlying portfolio shares as reported to us by the investment portfolio managers as of the close of business on that valuation date.
  2. We add dividends or capital gain distributions declared per share and reinvested by the investment portfolio on the date that the share value is affected. If applicable, we subtract a charge for taxes.
  3. We divide the resulting amount by the value of the shares in the underlying investment portfolio at the close of business on the previous valuation date.

Transfers of Account Value

You may make an unlimited number of free transfers among the variable investment options or the guaranteed interest division in each policy year. If your state requires a refund of premium during the free look period, you may not make transfers until after your free look period ends. You may not make transfers during the continuation of coverage period. See Continuation of Coverage, page 30.

You may make transfer requests in writing, or by telephone if you have telephone privileges, to our customer service center. Your transfer takes effect on the valuation date we receive your request. The minimum amount you may transfer is $100. This minimum does not need to come from one investment option or be transferred to one investment option as long as the total amount you transfer is at least $100. However, if the amount remaining in an investment option is less than $100 and you make a transfer request from that investment option, we transfer the entire amount.

Excessive Trading

Excessive trading activity can disrupt investment portfolio management strategies and increase portfolio expenses through:

  • increased trading and transaction costs;
  • forced and unplanned portfolio turnover;
  • lost opportunity costs; and
  • large asset swings that decrease the investment portfolio's ability to provide maximum investment return to all policyowners.

In response to excessive trading, we may place restrictions or refuse transfers made by third-party agents acting on behalf of owners such as market timing services. We will refuse or place restrictions on transfers when we determine, in our sole discretion, that transfers are harmful to the investment portfolios or to policyowners as a whole.

Guaranteed Interest Division Transfers

Transfers into the guaranteed interest division are not restricted.

You may transfer amounts from the guaranteed interest division only in the first 30 days of each policy year. Transfer requests received within 30 days before your policy anniversary will be processed on your policy anniversary. A request received by us within 30 days after your policy anniversary is effective on the valuation date we receive it. Transfer requests made at any other time will not be processed.




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Transfers from the guaranteed interest division in each policy year are limited to the largest of:

  • 25% of your guaranteed interest division balance at the time of your first transfer or withdrawal out of it in that policy year;
  • the sum of the amounts you have transferred and withdrawn from the guaranteed interest division in the prior policy year; or
  • $100.

Dollar Cost Averaging

If your policy has at least $10,000 invested in either qualifying source investment portfolio, you may elect dollar cost averaging. The qualifying source investment portfolios are The GCG Trust Liquid Asset Portfolio or the Neuberger Berman AMT Limited Maturity Bond Portfolio. The main goal of dollar cost averaging is to protect your policy values from short-term price changes. There is no charge for this feature.

Dollar cost averaging does not assure a profit nor does it protect you against a loss in a declining market.

This systematic plan of transferring account values is intended to reduce the risk of investing too much when the price of an investment portfolio's shares is high. It is intended to reduce the risk of investing too little when the price of an investment portfolio's shares is low. Since you transfer the same dollar amount to other investment options each period, you purchase more units in an investment option when the unit value is low and you purchase fewer units if the unit value is high.

You may add dollar cost averaging to your policy at any time. The first dollar cost averaging date must be at least one day after we receive your dollar cost averaging request. If your state requires refund of all premiums we receive during the free look period, dollar cost averaging cannot begin until your free look period has ended.

With dollar cost averaging, you designate either a dollar amount or a percentage of your account value for automatic transfer from a qualifying source investment portfolio. Each period we automatically transfer the amount you select from your chosen source investment portfolio to one or more other variable investment options. You may not use the guaranteed interest division or the loan division in dollar cost averaging.

The minimum percentage you may transfer to any one investment option is 1% of the total amount you transfer. You must transfer at least $100 on each dollar cost averaging transfer date.

Dollar cost averaging may occur on the same day of the month on a monthly, quarterly, semi-annual or annual basis. Unless you tell us otherwise, dollar cost averaging automatically takes place monthly on the monthly processing date.

You may have both dollar cost averaging and automatic rebalancing at the same time. However, the dollar cost averaging source investment portfolio cannot be included in your automatic rebalancing program.

Changing Dollar Cost Averaging

You may change your dollar cost averaging program one time per policy year. If you have telephone privileges, you may change the program by telephoning our customer service center. See Telephone Privileges, page 41.

Terminating Dollar Cost Averaging

You may cancel dollar cost averaging by sending satisfactory notice to our customer service center. We must receive it at least one day before the next dollar cost averaging date.

Dollar cost averaging will terminate on the date:

  1. you specify a termination date; or
  2. your balance in the source investment portfolio reaches a dollar amount you set; or
  3. the amount in the source investment portfolio is equal to or less than the amount to be transferred on a dollar cost averaging date. We will transfer the remaining amount and dollar cost averaging ends.

Automatic Rebalancing

Automatic rebalancing is a method of maintaining a consistent approach to investing account values over time and simplifying the process of asset allocation among your chosen investment options. There is no charge for this feature.




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If you choose this feature, on each rebalancing date we transfer amounts among the investment options to match your pre-set automatic rebalancing allocation. After the transfer, the ratio of your account value in each investment option to your total account value for all investment options included in automatic rebalancing matches the automatic rebalancing allocation percentage you set for that investment option. This action rebalances the amounts in the investment options that do not match your set allocation. This mismatch can happen if an investment option outperforms the other investment options for that time period.

You may choose the automatic rebalancing feature on your application or later by completing our customer service form. Automatic rebalancing may occur on the same day of the month on a monthly, quarterly, semi-annual or annual basis. If you do not specify a frequency, automatic rebalancing will occur quarterly.

The first transfer occurs on the date you select (after your free look period if your state requires return of premiums during the free look period). If you do not request a date, processing is on the last valuation date of the calendar quarter we receive your request.

When you choose automatic rebalancing allocations, you may choose up to eighteen total investment options. See Maximum Number of Investment Options, page 19.

You may have both automatic rebalancing and dollar cost averaging at the same time. However, the source investment portfolio for your dollar cost averaging cannot be included in your automatic rebalancing program. You may not include the loan division in your automatic rebalancing program.

Changing Automatic Rebalancing

You may change your allocation percentages for automatic rebalancing at any time. Your allocation change is effective on the valuation date that we receive it at our customer service center. If you reduce the amount allocated to the guaranteed interest division, it is considered a transfer from that division. You must meet the requirements for the maximum transfer amount and time limitations on transfers from the guaranteed interest division. See Transfers of Account Value, page 32.

If you have automatic rebalancing and the guaranteed minimum death benefit and you ask for an allocation which does not meet the guaranteed minimum death benefit diversification requirements, we will notify you that the allocation needs to be changed and ask you for revised instructions. See Guaranteed Minimum Death Benefit, page 27.

Terminating Automatic Rebalancing

You may terminate automatic rebalancing at any time, as long as we receive your notice of termination at least one day before the next automatic rebalancing date.

If you have the guaranteed minimum death benefit and you terminate the automatic rebalancing feature, you still must meet the diversification requirements of your net account value for the guarantee period to continue. See Guaranteed Minimum Death Benefit, page 27.

Policy Loans

The loan division is part of our general account specifically designed to hold money used as collateral for loans and loan interest.

You may borrow from your policy at any time after the first monthly processing date, by using your policy as security for a loan, or as otherwise required by law. The amount you borrow is called a policy loan. Your policy loan is:

  1. the total amount you borrow from your policy; plus
  2. policy loan interest that is capitalized when due; minus
  3. policy loan or interest repayments you make.

Unless law requires differently, a new policy loan must be at least $100. The maximum amount you may borrow on any valuation date, unless required differently by law, is your net cash surrender value minus the monthly deductions to your next policy anniversary or 13 monthly deductions if you take a loan within thirty days before your next policy anniversary.




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Your request for a policy loan must be directed to our customer service center. If you have telephone privileges, you may request a policy loan of less than $25,000 by telephoning our customer service center. See Telephone Privileges, page 41.

When you request a loan you may specify one investment option from which the loan will be taken. If you do not specify one, the loan will be taken proportionately from each active investment option you have, including the guaranteed interest division.

Loan interest charges on your policy loan accrue daily at an annual interest rate of 3.75% in policy years 1-10, and 3.15% thereafter. Interest is due in arrears on each policy anniversary. If you do not pay your interest when it is due, we add it to your policy loan balance.

When you take a policy loan, we transfer an amount equal to your policy loan to the loan division. We follow this same process for loan interest due at your policy anniversary. We credit the loan division with interest at an annual rate of 3%.

If you request an additional loan, we add the new loan amount to your existing policy loan. This way, there is only one loan outstanding on your policy at any time.

Loan Repayment

You may repay your policy loan at any time while your policy is in force. We assume that payments you make, other than scheduled premiums, are policy loan repayments. You must tell us if you want payments to be premium payments.

When you make a loan repayment, we transfer an amount equal to your payment from the loan division to the variable investment options and the guaranteed interest division in the same proportion as your current premium allocation, unless you tell us otherwise.

Effects of a Policy Loan on Your Policy

Taking a loan decreases the amount you have in the investment options. Accruing loan interest will change your net account value as compared to what it would have been if you did not take a loan.

Even if you repay your loan, it has a permanent effect on your account value. The benefits under your policy may be affected.

The loan is a first lien on your policy. If you do not repay your policy loan, we deduct your outstanding policy loan and accrued loan interest from the death proceeds payable or the cash surrender value payable on surrender.

Failure to repay your loan may affect the guaranteed minimum death benefit feature and the length of time your policy remains in force. If you do not make loan payments your policy could lapse. Policy loans may cause your policy to lapse if your net cash surrender value minus policy loan amounts and accrued loan interest is not enough to pay your deductions each month. See Lapse, page 36.

Policy loans may have tax consequences. If your policy lapses with a loan outstanding, you may have further tax consequences See Distributions Other than Death Benefits from Modified Endowment Contracts, page 50, and Distributions Other than Death Benefits from Policies That Are Not Modified Endowment Contracts, page 51.

If you use the continuation of coverage feature and you have a policy loan, loan interest continues to accrue.

Partial Withdrawals

You may request a partial withdrawal to be processed

on any valuation date after your first policy anniversary by contacting our customer service center. You make a partial withdrawal when you withdraw part of your net cash surrender value. If your request is by telephone, it must be for less than $25,000 and may not cause a decrease in your death benefit. Otherwise, your request must be in writing. See Telephone Privileges, page 41.

You may take up to twelve partial withdrawals per policy year. The minimum partial withdrawal you may take is $100. The maximum partial withdrawal you may take is the amount which leaves $500 as your net cash surrender value. If you request a withdrawal of more than this maximum, we require you to surrender your policy or reduce the withdrawal.

When you take a partial withdrawal, we deduct your withdrawal amount plus a service fee from your account value. If applicable, we deduct a surrender charge from your account value if your partial withdrawal causes a reduction in your stated death benefit. See Charges, Deductions and Refunds, page 44.




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Unless you tell us otherwise, we will make a partial withdrawal from the guaranteed interest division and the variable investment options in the same proportion that each has to your net account value immediately before your withdrawal. You may select one investment option from which your partial withdrawal will be taken. If you select the guaranteed interest division, however, the amount withdrawn from it may not be for more than your total withdrawal multiplied by the ratio of your account value in the guaranteed interest division to your total net account value immediately before the partial withdrawal transaction.

Partial withdrawals may have adverse tax consequences. See Distributions Other than Death Benefits from Modified Endowment Contracts, page 51 and Distributions Other than Death Benefits from Policies That Are Not Modified Endowment Contracts, page 51.

Partial Withdrawals under Death Benefit Option 1

If you selected death benefit option 1, it is your first partial withdrawal of the policy year, no more than fifteen years have passed since your policy date, and the insured person is not yet age 81, you may make a partial withdrawal of up to the greater of 10% of your account value, or 5% of your stated death benefit without decreasing your stated death benefit.

Otherwise, amounts you withdraw will reduce your stated death benefit by the amount of the withdrawal unless your policy death benefit has been increased due to the federal income tax definition of life insurance. If your policy death benefit has been increased due to the federal income tax definition of life insurance at the time of the partial withdrawal, then at least part of your partial withdrawal may be made without reducing your stated death benefit.

Partial Withdrawals under Death Benefit Option 2

If you have selected death benefit option 2, a partial withdrawal does not reduce your stated or target death benefit. However because your account value is reduced, we reduce the total death benefit by at least the partial withdrawal amount.

Partial Withdrawals under Death Benefit Option 3

If you have selected death benefit option 3, a partial withdrawal may affect your stated death benefit. If the partial withdrawal is less than the sum of premiums paid less prior partial withdrawals, the stated death benefit will not change, but the total death benefit will be reduced by the amount of the withdrawal if the policy is not in the corridor, and reduced even more if the policy is in the corridor. If the partial withdrawal amount exceeds the sum of premiums paid less prior partial withdrawals, then the stated death benefit may be reduced.

A reduction in the stated death benefit as a result of partial withdrawal will be pro-rated among the existing coverage segments, except for policies issued in Texas. The target premiums will be adjusted for the reduced stated death benefit.

Stated Death Benefit and Target Death Benefit Reductions

Regardless of your chosen death benefit option, partial withdrawals do not reduce your stated death benefit if:

  • your base death benefit has been increased to qualify your policy as life insurance under the federal income tax laws; and
  • you withdraw an amount that is no greater than the amount that reduces your account value to a level which no longer requires your base death benefit to be increased to qualify as life insurance for federal income tax law purposes. See Tax Status of the Policy, page 49.

We require a minimum target death benefit to issue your policy. You may not take a partial withdrawal if it reduces your target death benefit below this minimum. See Policy Issuance, page 20.

We will send a new policy schedule page for your policy showing the effect of your withdrawal if there is any change to your stated death benefit or your target death benefit.

In order to make this change, we may ask that you return the policy to our customer service center. Your withdrawal and any reductions in the death benefits are effective as of the valuation date on which we receive your request. See Distributions Other than Death Benefits from Modified Endowment Contracts, page 51, and Distributions Other than Death Benefits from Policies That Are Not Modified Endowment Contracts, page 51.

Lapse

Your insurance coverage continues as long as your net account value is enough to pay your deductions each month. Lapse does not apply if the guaranteed minimum death benefit is in effect and you have met all requirements. See Guaranteed Minimum Death Benefit, page 27.




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If the continuation of coverage feature is active, your policy could still lapse if there is an outstanding policy loan even though there are no further monthly deductions.

Grace Period

Your policy enters a 61-day lapse grace period if, on a monthly processing date:

  1. your net account value is zero (or less); and
  2. you do not have the guaranteed minimum death benefit or it has expired or terminated.

We notify you that your policy is in a grace period at least 30 days before it ends. We send this notice to you (or a person to whom you have assigned your policy) at your last known address in our records. We notify you of the premium payment necessary to prevent your policy from lapsing. This amount is generally the past due charges, plus your estimated monthly policy and rider deductions for the next two months. If the death of the insured person occurs during the grace period we do pay death proceeds to your beneficiary(ies), but with reductions for your policy loan balance, accrued loan interest and monthly deductions owed. No lapse notice will be sent to you if the guaranteed minimum death benefit is going to lapse.

If we receive payment of the required amount before the end of the grace period, we apply it to your account value in the same manner as your other premium payments, then we deduct the overdue amounts from your account balance.

If you do not pay the full amount within the 61-day grace period, your policy and its riders lapse without value. We withdraw your remaining account balance from the variable and guaranteed interest divisions. We deduct amounts you owe us including surrender charges and inform you that your policy coverage has ended.

If You Have the Guaranteed Minimum Death Benefit in Effect

If the guaranteed minimum death benefit is in effect, your policy's stated death benefit will not lapse during the guarantee period. This is true even if your net account value is not enough to cover all of the deductions from your account value on any monthly processing date. See Guaranteed Minimum Death Benefit, page 27.

Lapse Summary

Guaranteed Minimum Death Benefit
If you meet the requirements If you do not meet the requirements or it is no longer in effect
Your policy does not lapse if you do not have enough net account value to pay the monthly charges. However, if you have any riders, they lapse after the grace period and only your base coverage remains in force. Charges for your base coverage are then deducted each month to the extent that there is sufficient net account value to pay these charges. If there is not sufficient net account value to pay a charge, it is permanently waived. Your policy enters the grace period if your net account value is not enough to pay the monthly charges, or if your loan plus accrued loan interest is more than your cash surrender value. If you do not pay enough premium to cover the past due monthly charges and interest due plus the monthly charges and interest due through the end of the grace period, your policy lapses.



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Reinstatement

If you do not pay enough premium before the end of the grace period, your policy lapses. You may still reinstate your policy and its riders (other than the guaranteed minimum death benefit) within five years of the end of the grace period if you still own the policy and the insured person meets our underwriting requirements.

Unless law requires differently, we will reinstate your policy and riders if:

  1. you have not surrendered your policy;
  2. you provide satisfactory evidence to us that the insured person (and any people insured under your riders) is alive and still insurable according to our normal rules of underwriting; and
  3. we receive enough premium from you to keep your policy and its riders in force from the beginning to the end of the grace period and for two months after the reinstatement date.

Reinstatement is effective on the monthly processing date following our approval of your reinstatement application. When we reinstate your policy, we also reinstate the surrender charges for the amount and time remaining when your policy lapsed. If you had a policy loan when coverage ended, we reinstate it with accrued loan interest to the date of lapse. The cost of insurance charges at the time of reinstatement are adjusted to reflect the time since the lapse.

We apply net premiums received after reinstatement according to your most recent instructions which may be the premium allocation instructions in effect at the start of the grace period.

Surrender

You may surrender your policy for its net cash surrender value any time before the death of the insured person. You may take your net cash surrender value in other than one payment. We compute your net cash surrender value as of the valuation date we receive your written surrender request and policy at our customer service center. All insurance coverage ends on the date we receive your surrender request and policy. See Policy Values, page 31 and Settlement Provisions, page 42.

If you surrender your policy during the first nine policy or segment years we deduct a surrender charge from your net account value. If you surrender your policy during the early years, you may have little or no net cash surrender value. See Surrender Charge, page 47.

We do not pro-rate or add back charges or expenses which we deducted before your surrender to your account value.

A surrender of your policy may have adverse tax consequences. See Distributions Other than Death Benefits from Modified Endowment Contracts, page 51, and Distributions Other than Death Benefits from Policies That Are Not Modified Endowment Contracts, page 51.

General Policy Provisions

Free Look Period

You have the right to examine your policy. The right to examine your policy, often called the free look period, starts on the date you receive your policy and is a length of time specified by law. If for any reason you do not want it, you may return your policy to us, your agent/registered representative within the period shown on the policy's face page. If you return your policy to us within that time period, we will consider it canceled as of your policy date.

If you cancel your policy during this free look period, you will receive a refund as determined under law. Generally, there are two types of free look refunds:

  • some states require a return of all premiums we receive;
  • other states require payment of account value plus a refund of all charges deducted.

Your policy will specify what type of free look refund applies in your state. The type of free look refund in your state will affect when the net premium we receive before the end of the free look period is invested into the variable investment options. See Investment Date and Allocation of Net Premiums, page 21.

Your Policy

The entire contract between you and us is the combination of:

  • your policy;
  • a copy of your original application and any applications for benefit increases or decreases;
  • all of your riders;
  • endorsements;
  • policy schedule pages; and
  • reinstatement applications.



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If you make a change to your coverage, we give you a copy of your changed application and new policy schedules. If you send your policy to us, we attach these items to your policy and return it to you. Otherwise, you need to attach them to your policy.

Unless there is fraud, we consider all statements made in an application to be representations and not guarantees. We use no statement to deny a claim, unless it is in an application.

A president or an officer of our company and our secretary or assistant secretary must sign all changes or amendments we make to your policy. No other person may change the terms or conditions of your policy.

Guaranteed Issue

We may offer policies on a guaranteed issue basis for certain group or sponsored arrangements. When this happens, we issue these policies up to a preset face amount with reduced evidence of insurability requirements. Guaranteed issue policies may carry a different mortality risk to us compared with policies that are fully underwritten. So, we may charge different cost of insurance rates for guaranteed issue policies. The cost of insurance rates under these circumstances may depend on the:

  • issue age of the insured people;
  • risk class of the insured people;
  • size of the group; and
  • total premium the group pays.

Generally, most guaranteed issued policies have higher overall charges for insurance than a similar underwritten policy issued in the standard nonsmoker or standard smoker class. This means that the insured person in a group or sponsored arrangement could get individually underwritten insurance coverage at a lower overall cost.

Age

The age stated in your policy schedule is the age of the insured person we use to issue your policy. The insured person should be no more than 85 years of age at policy issue. (For groups, the maximum issue age is 70.) Age is measured as the age of the insured person on the birthday nearest the policy anniversary.

Generally, we use age to calculate rates, charges and values. We determine the insured person's age at a given time by adding the number of completed policy years to the age calculated at issue and shown in the schedule.

The policy anniversary nearest the insured person's 100th birthday is the date used for policy maturity and continuation of coverage.

Ownership

The original owner is the person named as the owner in the policy application. The owner can exercise all rights and receive benefits during the insured person's lifetime while the policy is still in force. This includes the right to change the owner, beneficiary(ies) or the method designated to pay death proceeds.

As a matter of law, all rights of ownership are limited by the rights of any person who has been assigned rights under the policy and any irrevocable beneficiary(ies).

You may name a new owner by giving us written notice. The effective date of the change to the new owner is the date the prior owner signs the notice. However, we will not be liable for any action we take before a change is recorded at our customer service center. A change in ownership may cause the prior owner to recognize taxable income on gain under the policy.

Beneficiary(ies)

You, as owner, name the beneficiary(ies) when you apply for your policy. The primary beneficiary(ies) who survives the insured person receives the death proceeds. Other surviving beneficiary(ies) receive death proceeds only if there is no surviving primary beneficiary(ies). If more than one beneficiary(ies) survives the insured person, they share the death proceeds equally, unless you have told us otherwise. If none of your policy beneficiaries has survived the insured person, we pay the death proceeds to you or to your estate, as owner.

Once you tell us who the beneficiary(ies) is/are, we keep this information on file. You may name a new beneficiary(ies) any time before death of the insured person. We pay the death proceeds to the beneficiary(ies) whom you have most recently named according to our records. We do not make payments to multiple sets of beneficiaries.




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Collateral Assignment

You may assign your policy by sending written notice to us. After we record the assignment, your rights as owner and the beneficiary's(ies') rights (unless the beneficiary(ies) was (were) made an irrevocable beneficiary(ies) under an earlier assignment) are subject to the assignment. It is your responsibility to make sure the assignment is valid.

Incontestability

If your policy has been in force and the insured person is alive for two years from your policy date, we will not question the validity of the statements in your application. If your policy has been in force and the insured person is alive for two years from the effective date of a new segment or from the effective date of an increase in any other benefit, with respect to the insured person (such as an increase in stated death benefit) we will not contest the statements in your application for the new segment or other increase.

If this policy has been in force and the insured person is alive for two years from the effective date of reinstatement, we will not contest the statements in your application for reinstatement.

Misstatements of Age or Gender

If the insured person's age or gender has been misstated, we adjust the death benefit to the amount which would have been purchased for the insured person's correct age and gender. We base the adjusted death benefit on the cost of insurance charges deducted from your account value on the last monthly processing date before the death of the insured person, or as otherwise required by law.

If unisex cost of insurance rates apply, we do not make any adjustments for a misstatement of gender.

Suicide

If the insured person commits suicide (while that insured person is sane or insane), within two years of your policy date, unless otherwise required by law, we limit death proceeds payable in one sum to:

  1. the total of all premiums we receive to the time of death; minus
  2. outstanding policy loan amounts and accrued loan interest; minus
  3. partial withdrawals you have taken.

We make a limited payment to the beneficiary(ies) for a new segment or other increase if the death of the insured person is due to suicide (while the insured person is sane or insane), within two years of the effective date of a new segment or within two years of an increase in any other benefit, unless otherwise required by law. The limited payment we make is equal to the cost of insurance and monthly expense charges which were deducted for such increase.

Transaction Processing

Generally, within seven days of when we receive all information required to process a payment, we pay:

  • death proceeds;
  • net cash surrender value upon surrender;
  • partial withdrawals; and
  • loan proceeds.

We may delay processing these transactions if:

  • the NYSE is closed for trading;
  • trading on the NYSE is restricted by the SEC;
  • there is an emergency so that it is not reasonably possible to sell securities in the variable investment options or to determine the value of an investment option's assets; or
  • a governmental body with jurisdiction over the separate account allows suspension by its order.

SEC rules and regulations determine whether or not these conditions exist.

We execute transfers among the variable investment options as of the valuation date of our receipt of your request at our customer service center.

We determine the death benefit as of the date of the death of the insured person. The death proceeds are not affected by changes in the value of the variable investment options after that date.

We may delay payment from our guaranteed interest division for up to six months, unless state law requires otherwise, of surrender proceeds, withdrawal amounts or loan amounts. If we delay payment more than 30 days, we pay interest at our declared rate (or at a higher rate if required by law) from the date we receive your complete request.




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Notification and Claims Procedures

Except for certain authorized telephone requests, we must receive in writing any election, designation, change, assignment or request made by the owner.

You must use a form acceptable to us. We are not liable for actions taken before we receive and record the written notice. We may require you to return your policy for policy changes and at the time of surrender.

If the insured person dies while your policy is in force, please let us or your agent/registered representative know as soon as possible. We will immediately send you instructions on how to make a claim at the insured person's death. As proof of the insured person's death, we may require you to provide proof of the deceased insured person's age and a certified copy of the death certificate.

The beneficiary(ies) and the deceased insured person's next of kin may need to sign authorization forms. These forms allow us to get information about the deceased insured person. This information may include medical records of doctors and hospitals used by the deceased insured person.

Telephone Privileges

Telephone privileges are automatically provided to you and your agent/registered representative, unless you decline it on the application or contact our customer service center. Telephone privileges allow you or your agent/registered representative, if applicable, to call our customer service center to:

  • make transfers;
  • change premium allocations;
  • change features in your dollar cost averaging and automatic rebalancing programs;
  • request partial withdrawals; or
  • request a policy loan.

Our customer service center uses reasonable procedures to make sure that instructions received by telephone are genuine. These procedures may include:

  1. requiring some form of personal identification;
  2. providing written confirmation of any transactions; and
  3. tape recording telephone calls.

By accepting automatic telephone privileges, you authorize us to record your telephone calls with us. If we use reasonable procedures to confirm instructions, we are not liable for losses due to unauthorized or fraudulent instructions. We may discontinue this privilege at any time.

Non-participation

Your policy does not participate in the surplus earnings of Security Life.

Distribution of the Policies

The principal underwriter (distributor) for our policies is ING America Equities, Inc., a wholly owned subsidiary of Security Life. It is registered as a broker-dealer with the SEC and the NASD. We pay ING America Equities, Inc. for acting as the principal underwriter under a distribution agreement.

We sell our policies through licensed insurance agents who are registered representatives of other broker-dealers including, but not limited to:

  1. VESTAX Securities Corporation, an indirect affiliate of Security Life of Denver Insurance Company;
  2. Locust Street Securities, Inc., an indirect affiliate of Security Life of Denver Insurance Company;
  3. Multi-Financial Securities, Corp., an indirect affiliate of Security Life of Denver Insurance Company; and
  4. IFG Network Securities, Inc., an indirect affiliate of Security Life of Denver Insurance Company.
  5. Financial Network Investment Corporation, an indirect affiliate of Security Life of Denver Insurance Company.

All broker-dealers who sell this policy have entered into selling agreements with us. Under these selling agreements, we pay a distribution allowance to broker-dealers, who pay commissions to their agents/registered representatives who sell this policy.




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The policy offers a choice of two structures for the distribution allowance, but the structure choice does not affect fees or charges on your policy.

Under one structure, the distribution allowance is 65% of the first target premium we receive, 13% of target premium we receive in policy years 2 - 5, 3% in policy years 6 - 10, and 2% in policy years 11 and thereafter. For premium payment amounts we receive in excess of your target premium, the distribution allowance is 3% in policy years 1 - 10 and 2% in years 11 and thereafter.

Under the other structure, the distribution allowance is 95% of the first target premium we receive, 3% of premium received in policy years 2 - 10, and 2% of premium received in policy years 11 and thereafter.

Broker-dealers receive annual renewal payments (trails) of 0.15% of the average net account value in policy years 2-20, payable monthly at a rate of 0.0125%, and 0.10% in policy years 21 and thereafter, payable monthly at a rate of 0.00833%.

In addition to the distribution allowances, we may pay wholesaler fees or marketing and training allowances. We pay all allowances from our resources which include sales charges deducted from premiums and surrender charges.

Advertising Practices and Sales Literature

We may use advertisements and sales literature to promote this product, including:

  • articles on variable life insurance and other information published in business or financial publications; and
  • indices or rankings of investment securities;
  • comparisons with other investment vehicles, including tax considerations.

We may use information regarding the past performance of the variable investment options. However, past performance is not indicative of future performance of the investment options or the policies and is not reflective of the actual investment experience of policyowners.

We may feature certain investment options and their managers, as well as describe asset levels and sales volumes. We may refer to past, current, or prospective economic trends, and, investment performance or other information we believe may be of interest to our customers.

Settlement Provisions

You may elect to have the beneficiary(ies) receive the death proceeds other than in one payment. If you make this election, you must do so before the death of the insured person. If you have not made this election, the beneficiary(ies) may do so within 60 days after we receive proof of the death of the insured person.

You may take your net cash surrender value in other than one payment.

The investment performance of the variable investment options does not affect payments under these settlement options. Instead, interest accrues at a fixed rate based on the option you choose. Payment options are subject to our rules at the time you make your selection. Currently, a periodic payment must be at least $20 and the total proceeds must be $2,000 or more.

Option I:  Payouts for a Designated Period

Option II:  Life Income with Payouts Guaranteed for a Designated Period

Option III:  Hold at Interest

Option IV:  Payouts of a Designated Amount

Option V:  Other Options We Offer at the Time We Pay the Benefit

Administrative Information About the Policy

Voting Privileges

We invest the variable investment options' assets in shares of investment portfolios. We are the legal owner of the shares held in the separate account and we have the right to vote on certain issues. Among other things, we may vote on issues described in the fund's current prospectus or issues requiring a vote by shareholders under the Investment Company Act of 1940.

Even though we own the shares, we give you the opportunity to tell us how to vote the number of shares attributable to your policy.

We count fractional shares. If you have a voting interest, we send you proxy material and a form on which to give us your voting instructions.

Each investment portfolio share has the right to one vote. The votes of all investment portfolio shares are cast together on a collective basis, except on issues for which the interests of the portfolios differ. In these cases, voting is done on a portfolio-by-portfolio basis.




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Examples of issues that require a portfolio-by-portfolio vote are:

  1. changes in the fundamental investment policy of a particular investment portfolio; or
  2. approval of an investment advisory agreement.

We vote the shares in accordance with your instructions at meetings of investment portfolio shareholders. We vote any investment portfolio shares that are not attributable to policies and any investment portfolio shares for which the owner does not give us instructions, the same way we vote as if we did receive owner instructions.

We reserve the right to vote investment portfolio shares without getting instructions from policy owners if the federal securities laws, regulations or their interpretations change to allow this.

You may instruct us only on matters relating to the investment portfolios corresponding to variable investment options in which you have invested assets as of the record date set by the investment portfolio's board for the portfolio's shareholders meeting. We determine the number of investment portfolio shares in each variable investment option that we attribute to your policy by dividing your account value allocated to that variable investment option by the net asset value of one share of the matching investment portfolio.

Material Conflicts

We are required to track events to identify any material conflicts arising from using investment portfolios for both variable life and variable annuity separate accounts. The boards of the investment portfolios, Security Life and other insurance companies participating in the investment portfolios, have this same duty. There may be a material conflict if:

  • state insurance law or federal income tax law changes;
  • investment management of an investment portfolio changes; or
  • voting instructions given by owners of variable life insurance policies and variable annuity contracts differ.

The investment portfolios may sell shares to certain qualified pension and retirement plans qualifying under Code Section 401. These include cash or deferred arrangements under Code Section 401(k). Therefore, there is a possibility that a material conflict may arise between the interests of owners in general or between certain classes of owners; and these retirement plans or participants in these retirement plans.

If there is a material conflict, we have the duty to determine appropriate action including removing the portfolios involved from our variable investment options. We may take other action to protect policy owners. This could mean delays or interruptions of the variable operations.

When state insurance regulatory authorities require it, we may ignore voting instructions relating to changes in an investment portfolio's adviser or its investment policies. If we do ignore voting instructions, we give you a summary of our actions in our next semi-annual report to owners.

Under the Investment Company Act of 1940, we must get your approval for certain actions involving our separate account. In this case, you have one vote for every $100 of value you have in the variable investment options. We cast votes credited to amounts in the variable investment options, but not credited to policies in the same proportion as votes cast by owners.

Right to Change Operations

Subject to limitations imposed by state and federal law, we may from time to time make any of the following changes to our separate account:

  1. Change the investment objective.
  2. Offer additional variable investment options which will invest in portfolios we find appropriate for policies we issue.
  3. Eliminate variable investment options.
  4. Combine two or more variable investment options.



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  1. A substitution may become necessary if, in our judgment:
  • a portfolio no longer suits the purposes of your policy;
  • there is a change in laws or regulations;
  • there is a change in a portfolio's investment objectives or restrictions;
  • the portfolio is no longer available for investment; or
  • another reason we deem a substitution is appropriate.
  1. Transfer assets related to your policy class to another separate account.
  2. Withdraw the separate account from registration under the 1940 Act.
  3. Operate the separate account as a management investment company under the 1940 Act.
  4. Cause one or more variable investment options to invest in a mutual fund other than, or in addition to, the investment portfolios.
  5. Stop selling these policies.
  6. End any employer or plan trustee agreement with us under the agreement's terms.
  7. Limit or eliminate any voting rights for the separate account.
  8. Make any changes required by the 1940 Act or its rules or regulations.

We will not make a change until it is effective with the SEC and approved by the appropriate state insurance departments, if necessary. We will notify you of changes. If you wish to transfer the amount you have in the affected investment option to another variable investment option or to the guaranteed interest division, you may do so free of charge. Just notify us at our customer service center.

Reports to Owners

At the end of each policy year we send a report to you that shows:

  • your total net policy death benefit (your stated death benefit plus adjustable term insurance rider death benefit, if any);
  • your account value;
  • your policy loan, if any, plus accrued interest;
  • your net cash surrender value;
  • information about the variable investment options; and
  • your account transactions during the policy year showing net premiums, transfers, deductions, loan amounts and withdrawals.

We also send semi-annual reports with financial information on the investment portfolios, including a list of the investment holdings of each portfolio to you.

We send confirmation notices to you throughout the year for certain policy transactions.

CHARGES AND DEDUCTIONS

The amount of a charge may not correspond to the cost incurred by us to provide the service or benefit. For example, the sales charge may not cover all of our sales and distribution expenses. Some proceeds from other charges, including the mortality and expense risk charge or cost of insurance charges, may be used to cover such expenses.

Deductions from Premiums

We treat payments we receive as premium payments if you do not have an outstanding loan and your policy is not in the continuation of coverage period. After we deduct certain charges from your payment, we add the remaining net premium to your policy.

Sales Charge

We deduct a percentage from each premium payment to compensate us for the costs we incur in selling the policies. The sales charge helps cover the costs of distribution, preparing our sales literature, promotional expenses and other direct and indirect expenses.

We base the percentage on the duration of the policy or segment, and the target premium of the policy or segment. When an increase in stated death benefit occurs, the new coverage segment created is charged the sales charge for the duration since the date of this increase. Premiums are allocated in the same proportion that the target premium of each segment bears to the sum of the target premiums of all segments.




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Policy or Segment Year

Sales Charge up to Target Premium

1-5 6%
6+ 3.5%

We may reduce or waive the sales charge for certain group or sponsored arrangements, or for corporate purchasers. See Group or Sponsored Arrangements, or Corporate Purchasers, page 48.

Tax Charges

We pay state and local taxes in almost all states. These taxes vary in amount from state to state and may vary from jurisdiction to jurisdiction within a state. Currently, state and local taxes range from 0.5% to 5% with some states not imposing these types of taxes. We deduct 2.5% of each premium payment to cover these taxes. This rate approximates the average tax rate we expect to pay in all states.

We also deduct 1.5% of each premium payment to cover our estimated costs for the federal income tax treatment of deferred acquisition costs. This cost is determined solely by the amount of life insurance premiums we receive.

We reserve the right to increase or decrease your premium expense charge for taxes as a result of changes in the tax law, within limits set by law. We also reserve the right to increase or decrease your premium expense charge for the federal income tax treatment of deferred acquisition costs based on any change in that cost to us.

Monthly Deductions from Account Value

We deduct charges from your account value on each monthly processing date until the maturity date or when the continuation of coverage period ends.

Policy Charge

The policy charge is $15 per month for the first three years of your policy. During policy years four and thereafter, the charge is $7.50 per month.

This charge compensates us for such costs as:

  • application processing;
  • medical examinations;
  • establishment of policy records; and
  • insurance underwriting costs.

Mortality and Expense Risk Charge

Each month, we deduct from your account value a charge equal to the percent of the amount in the divisions of the variable account. We calculate this charge using an amount determined before deducting the per policy and per unit charge amounts. Currently, these rates are:

Policy Years Annual Rate Monthly Rate
1-10 0.90% 0.075%
11-20 0.45% 0.0375%
21+ 0.0% 0.00%

The mortality risk is that insured people, as a group, may live less time than we estimated. The expense risk is that the costs of issuing and administering the policies and in operating the variable division are greater than the amount we estimated.

The mortality and expense risk charge does not apply to your account value in the guaranteed interest division or the loan division.

Administrative Charge

Each month, we deduct from your account value a charge for each $1,000 of death benefit. The charge applies to the first $5 million of death benefit. The rate per $1,000 of death benefit is based upon the original issue age of the insured and the policy duration.

The maximum administrative charges is $0.07 per $1,000 of death benefit per month in policy years 1 - 10, and $0.01 per $1,000 of death benefit per month in policy years 11 and thereafter.

This charge is designed to compensate us in part for ongoing costs such as:

  • premium billing and collections;
  • claim processing;
  • policy transactions;
  • record keeping;
  • reporting and communications with policy owners; and
  • other expenses and overhead.

Cost of Insurance Charge

The cost of insurance charge compensates us for the ongoing costs of providing insurance coverage under the policy, including the expected cost of paying death proceeds that may be more than your account value at the insured person's death.

The cost of insurance charge is equal to our current monthly cost of insurance rate multiplied by the net amount at risk for each portion of your death benefit. We calculate the net amount at risk monthly, at the beginning of each policy month. For the base death benefit, the net amount at risk is calculated using the difference between the current base death benefit and your account value. We determine your account value after we deduct your policy and rider charges due on that date other than cost of insurance charges for the base death benefit, adjustable term insurance, additional insured and waiver of cost of insurance riders.




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If your base death benefit at the beginning of a month increases (due to requirements of the federal income tax law definition of life insurance), the net amount at risk for your base death benefit for that month also increases. Similarly, the net amount at risk for your adjustable term insurance rider decreases. This means that your cost of insurance charge varies from month to month with changes in your net at risk, changes in the death benefit and with the increasing age of the insured person. We allocate the net amount at risk to segments in the same proportion that each segment has to the total stated death benefit for all coverage segments as of the monthly processing date.

We base your current cost of insurance rates on the insured person's age, gender and premium class on the policy and each segment date.

We apply unisex rates where appropriate under the law. This currently includes the state of Montana and policies purchased by employers and employee organizations in connection with employment-related insurance or benefit programs.

Separate cost of insurance rates apply to:

  • each segment of the base death benefit;
  • your adjustable term insurance rider;
  • your additional insured rider; and
  • your waiver of cost of insurance rider.

We may make changes in the cost of insurance or rider charges for a class of insured persons. We base the new charge on changes in expectations about:

  • investment earnings;
  • mortality;
  • the time policies remain in effect;
  • expenses; and
  • taxes.

These rates are never more than the guaranteed maximum rates shown in your policy. Generally, the guaranteed maximum rates are based on the 1980 Commissioner's Standard Ordinary Sex Distinct Mortality Table. If the adjustable term rider is in effect, however, the guaranteed maximum rates for the term rider benefits are 125% of the levels set forth in the 1980 Commissioner's Standard Ordinary Sex Distinct Mortality Table.

The maximum rates for the initial and each new segment will be printed in your policy schedule pages.

There are no cost of insurance charges during the continuation of coverage period.

Rider Charges

On each monthly processing date, we deduct the cost of your riders, including the guaranteed minimum death benefit rider, if you elect that rider at policy issue. Rider charges do not include the adjustable term insurance, additional insured and waiver of cost of insurance riders. See Riders, page 28.

Policy Transaction Fees

We charge fees for certain transactions under your policy.

We deduct these fees from the variable and guaranteed interest divisions pro rata to the account value in each.

Illustration Fee

You may receive one free illustration each policy year. If you request more than that, we assess a fee of $25 per illustration.

Partial Withdrawals

We deduct the lesser of a $25 service fee or 2% of the requested partial withdrawal from your account value for each partial withdrawal you take to cover our costs. We may also deduct a surrender charge from your account value. See Partial Withdrawals, page 35.




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Divisions From Which We Deduct Charges, Loans and Partial Withdrawals

Monthly Charges: Cost of Insurance Charges, Rider Charges, Mortality and Expense Risk Charge, Administrative Fees

Transaction Fees

Loans and Partial Withdrawals

Choice May choose a designated deduction investment option, including guaranteed interest division Proportionally among variable and guaranteed interest divisions May choose any investment option or combination of investment options
Default Proportionally among variable and guaranteed interest divisions Proportionally among variable and guaranteed interest divisions Proportionally among variable and guaranteed interest divisions

Surrender Charge

We may deduct a surrender charge from your account value during the first nine years of your policy or coverage segment if you:

  • surrender your policy;
  • reduce your stated death benefit;
  • allow your policy to lapse; or
  • take a partial withdrawal which decreases your stated death benefit.

The surrender charge compensates us for issuing and distributing policies. We designed the surrender charge to cover part of our administrative expenses for your policy, such as:

  • application processing;
  • establishing your policy records;
  • insurance underwriting; and
  • costs associated with developing and operating our systems to administer the policies.

We deduct surrender charges pro rata, based on your account value in each investment option.

The surrender charge is a dollar amount for each $1,000 of the stated death benefit. We base this amount on the insured person's age on your policy date or on the date you add a new stated death benefit coverage segment to your policy. The surrender charge varies by age at policy issue and will decline to zero in the tenth policy or segment year. Once set, the surrender charge remains level for the first five years following the effective date of your policy and any new segment. These charges then decrease at the beginning of each following policy year by 20% of the amount in effect at the end of the fifth policy year. This continues until your surrender charge reaches zero at the beginning of your tenth policy year. The maximum surrender charges is $50 per $1,000 of stated death benefit. If the surrender charge exceeds the available cash value, there will be no proceeds paid to you on surrender or lapse.

During the first nine years of your policy, your surrender charge may decrease. This happens if you request a decrease in your stated death benefit or you take a partial withdrawal which causes your stated death benefit to decrease. Your surrender charge decreases in the same proportion that your stated death benefit decreases. Under these circumstances we then deduct from your account value the amount by which your surrender charge decreased.

Surrender charges are not affected by a change in the stated death benefit when the change is caused by a change to your death benefit option. We assess surrender charges on base coverage and do not apply them to any rider coverages.

A change to your death benefit option may increase the stated death benefit. We do not increase your surrender charge in this case. However, all other increases in your stated death benefit create a new segment which will be subject to its own nine-year surrender charge period.

If your surrender charge changes, we send you a new schedule showing the change.




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Surrender Charge Examples

Example 1:Assume the stated death benefit on your policy is $100,000 and the insured person is age 45 when we issued your policy. The actual surrender charge is:

Policy Year Surrender Charge
1 $1,500
2 $1,500
3 $1,500
4 $1,500
5 $1,500
6 $1,200
7 $900
8 $600
9 $300
10 $0

Example 2:If you reduce your stated death benefit on your third policy anniversary to $90,000, there is a surrender charge of $150. This is the difference between your original surrender charge and 90% of your initial surrender charge. We deduct the surrender charge from the account value. The resulting actual surrender charge for each policy year is:

Policy Year Surrender Charge
1 $1,500
2 $1,500
3 $1,350
4 $1,350
5 $1,350
6 $1,080
7 $810
8 $540
9 $270
10 $0

Other Charges

You may receive one free illustration per policy year. Thereafter, we assess a fee of $25 per illustration.

Under current law, we pay no tax on investment income and capital gains included in variable life insurance policy reserves. This means that no charge is currently made to any variable investment option for our federal income taxes. If the tax law changes and we have federal income tax chargeable to the variable investment options, we may make such a charge in the future.

Group or Sponsored Arrangements, or Corporate Purchasers

Individuals, corporations or other institutions may purchase this policy. For group or sponsored arrangements (including employees and certain family members of employees of Security Life, its affiliates and appointed sales agents), corporate purchasers or special exchange programs which we may offer from time to time, we may reduce or waive the:

  • surrender charge, including the surrender charge on partial withdrawals;
  • length of time a surrender charge applies;



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  • administrative charge;
  • minimum stated death benefit;
  • minimum target death benefit;
  • minimum annual premium;
  • target premium;
  • sales charges;
  • cost of insurance charges; or
  • other charges normally assessed.

We reduce or waive these items based on expected economies. Our sales, administration and mortality costs generally vary with the size and stability of the group, among other factors. We take all these factors into account when we reduce charges. A group or sponsored arrangement must meet certain requirements to qualify for reduced charges. We make reductions to charges based on our rules in effect when we approve a policy application. We may change these rules from time to time.

Group arrangements include those in which there is a trustee, an employer or an association. The group may purchase multiple policies covering a group of individuals on a group basis or endorse a policy to a group of individuals. Sponsored arrangements include those in which an employer or association allows us to offer policies to its employees or members on an individual basis.

Each sponsored arrangement or corporation may have different group premium payments and premium requirements.

We will not unfairly discriminate in any variation in the surrender charge, administrative charge, or other charges, fees and privileges. These variations are based on differences in costs or services.

TAX CONSIDERATIONS

The following summary provides a general description of the federal income tax considerations associated with the policy and does not purport to be complete or to cover all tax situations. This discussion is not intended as tax advice. Counsel or other competent tax advisers should be consulted for more complete information. This discussion is based upon our understanding of the present federal income tax laws. No representation is made as to the likelihood of continuation of the present federal income tax laws or as to how they may be interpreted by the Internal Revenue Service.

Tax Status of the Policy

This policy is designed to qualify as a life insurance contract under the Internal Revenue Code. All terms and provisions of the policy shall be construed in a manner which is consistent with that design. In order to qualify as a life insurance contract for federal income tax purposes and to receive the tax treatment normally accorded life insurance contracts under federal tax law, a policy must satisfy certain requirements which are set forth in Internal Revenue Code Section 7702. While there is little guidance as to how these requirements are applied, we believe it is reasonable to conclude that our policies satisfy the applicable requirements. If it is subsequently determined that a policy does not satisfy the applicable requirements, we will take appropriate and reasonable steps to bring the policy into compliance with such requirements and we reserve the right to restrict policy transactions or modify your policy in order to do so.

Section 7702 provides that if one of two alternate tests is met, a policy will be treated as a life insurance policy for federal income tax purposes. These tests are referred to as the "cash value accumulation test" and the "guideline premium/cash value corridor test."

Under the cash value accumulation test, there is no limit to the amount that may be paid in premiums as long as there is enough death benefit in relation to account value at all times. The death benefit at all times must be at least equal to an actuarially determined factor, depending on the insured person's age, sex and premium class at any point in time, multiplied by the account value. See Appendix A, page 194, for a table of the Cash Value Accumulation Test factors.

The guideline premium/cash value corridor test provides for a maximum premium in relation to the death benefit and a minimum "corridor" of death benefit in relation to account value. In most situations, the death benefit that results from the guideline premium/cash value corridor test will ultimately be less than the amount of death benefit required under the cash value accumulation test. See Appendix B, page 195, for a table of the Guideline Premium/Cash Value Corridor Test factors.




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We will at all times assure that the policy meets the statutory definition which qualifies the policy as life insurance for federal income tax purposes. In addition, as long as the policy remains in force, increases in account value as a result of interest or investment experience will not be subject to federal income tax unless and until there is a distribution from the policy, such as a partial withdrawal or loan. See Tax Treatment of Policy Death Benefits, page 50.

This policy allows the owner to choose, at the time of application, which of these tests we will apply to the policy. A choice of tests is irrevocable. Regardless of which test is chosen, we will at all times assure that the policy meets the statutory definition which qualifies the policy as life insurance for federal income tax purposes. In addition, as long as the policy remains in force, increases in account value as a result of interest or investment experience will not be subject to federal income tax unless and until there is a distribution from the policy, such as a partial withdrawal or loan. See Tax Treatment of Policy Death Benefits, page 50.

Diversification and Investor Control Requirements

In addition to meeting the Code Section 7702 tests, Code Section 817(h) requires separate account investments, such as our separate account, to be adequately diversified. The Treasury has issued regulations which set the standards for measuring the adequacy of any diversification. To be adequately diversified, each variable investment option must meet certain tests. If your variable life policy is not adequately diversified under these regulations, it is not treated as life insurance under Code Section 7702. You would then be subject to federal income tax on your policy income as you earn it. Our variable investment options' investment portfolios have promised they will meet the diversification standards that apply to your policy.

In certain circumstances, you, as owner of a variable life insurance contract, may be considered the owner for federal income tax purposes of the separate account assets used to support your contract. Any income and gains from the separate account assets are includable in the gross income from your policy under these circumstances. The IRS has stated in published rulings that a variable contract owner is considered the owner of separate account assets if the contract owner has "indicia of ownership" in those assets. "Indicia of ownership" includes the ability to exercise investment control over the assets.

Your ownership rights under your policy are similar to, but different in some ways from, those described by the IRS in rulings in which it determined that policy owners are not owners of separate account assets. For example, you have flexibility in allocating your premium payments and in your policy values. These differences could result in the IRS treating you as the owner of a pro rata share of the separate account assets. We do not know what standards, if any, will be set forth in future Treasury regulations or rulings. We reserve the right to modify your policy, as necessary, to try to prevent you from being considered the owner of a pro rata share of the separate account assets, or to otherwise qualify your policy for favorable tax treatment.

The following discussion assumes that the policy will qualify as a life insurance contract for federal income tax purposes.

Tax Treatment of Policy Death Benefits

We believe that the death benefit under a policy is generally excludable from the gross income of the beneficiary(ies) under section 101(a)(1) of the Code. However, there are exceptions to this general rule. Additionally, federal and local transfer, estate inheritance and other tax consequences of ownership or receipt of policy proceeds depend on the circumstances of each policy owner or beneficiary(ies). A tax adviser should be consulted about these consequences.

Generally, the policy owner will not be taxed on any of the policy account value until there is a distribution. When distributions from a policy occur, or when loan amounts are taken from or secured by a policy, the tax consequences depend on whether or not the policy is a "modified endowment contract."

Special rules also apply if you are subject to the alternative minimum tax. You should consult a tax adviser if you are subject to the alternative minimum tax.

Modified Endowment Contracts

Under the Internal Revenue Code, certain life insurance contracts are classified as "modified endowment contracts" and are given less favorable tax treatment than other life insurance contracts. Due to the flexibility of the policies as to premiums and benefits, the individual circumstances of each policy will determine whether or not it is classified as a modified endowment contract. The rules are too complex to be summarized here, but generally depend on the amount of premiums we receive during the first seven policy years. Certain changes in a policy after it is issued could also cause it to be classified as a modified endowment contract. A current or prospective policy owner should consult with a competent adviser to determine whether or not a policy transaction will cause the policy to be classified as a modified endowment contract.




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If a policy becomes a modified endowment contract, distributions that occur during the policy year will be taxed as distributions from a modified endowment contract. In addition, distributions for a policy within two years before it becomes a modified endowment contract will be taxed in this manner. This means that a distribution made from a policy that is not a modified endowment contract could later become taxable as a distribution from a modified endowment contract.

Multiple Policies

All modified endowment contracts that are issued by us (or our affiliates) to the same policy owner during any calendar year are treated as one modified endowment contract for purposes of determining the amount includable in the policy owner's income when a taxable distribution occurs.

Distributions Other than Death Benefits from Modified Endowment Contracts

Once a policy is classified as a modified endowment contract, the following tax rules apply both prospectively and to any distributions made in the prior two years:

  1. All distributions other than death benefits, including distributions upon surrender and withdrawals, from a modified endowment contact will be treated first as distributions of gain taxable as ordinary income and as tax-free recovery of the policy owner's investment in the policy only after all gain has been distributed.
  2. Loan amounts taken from or secured by a policy classified as a modified endowment contract are treated as distributions and taxed first as distributions of gain taxable as ordinary income and as tax-free recovery of the policy owner's investment in the policy only after all gain has been distributed.
  3. A 10% additional income tax penalty may be imposed on the distribution amount subject to income tax (including a loan). Consult a tax adviser to determine whether or not you may be subject to this penalty tax.

Distributions Other than Death Benefits from Policies That Are Not Modified Endowment Contracts

Distributions other than death benefits from a policy that is not classified as a modified endowment contract are generally treated first as a recovery of the policy owner's investment in the policy. Only after the recovery of all investment in the policy, is there taxable income. However, certain distributions which must be made in order to enable the policy to continue to qualify as a life insurance contract for federal income tax purposes, if policy benefits are reduced during the first fifteen policy years, may be treated in whole or in part as ordinary income subject to tax.

Loan amounts from or secured by a policy that is not a modified endowment contract are generally not treated as distributions. Finally, neither distributions from, nor loan amounts from or secured by, a policy that is not a modified endowment contract are subject to the 10% additional income tax.

Investment in the Policy

Your investment in the policy is generally the total of your aggregate premiums. When a distribution is taken from the policy, your investment in the policy is reduced by the amount of the distribution that is tax free.

Policy Loans

In general, interest on a policy loan will not be deductible. Before taking out a policy loan, you should consult a tax adviser as to the tax consequences.




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If a loan from a policy is outstanding when the policy is canceled or lapses, then the amount of the outstanding indebtedness will be added to the amount treated as a distribution from the policy and will be taxed accordingly.

Section 1035 Exchanges

Code Section 1035 generally provides that no gain or loss shall be recognized on the exchange of one life insurance policy for another life insurance policy or for an endowment or annuity contract. We accept 1035 exchanges with outstanding loans. Special rules and procedures apply to Section 1035 exchanges. If you wish to take advantage of Section 1035, you should consult your tax adviser.

Continuation of Policy Beyond Age 100

The tax consequences of continuing the Policy beyond the insured's 100th year are unclear. You should consult a tax adviser if you intend to keep the Policy in force beyond the insured's 100th year.

Tax-exempt Policy Owners

Special rules may apply to a policy that is owned by a tax-exempt entity. Tax-exempt entities should consult their tax adviser regarding the consequences of purchasing and owning a policy. These consequences could include an effect on the tax-exempt status of the entity and the possibility of the unrelated business income tax.

Possible Tax Law Changes

Although the likelihood of legislative action is uncertain, there is always the possibility that the tax treatment of the policy could be changed by legislation or otherwise. You should consult a tax adviser with respect to legislative developments and their effect on the policy.

Changes to Comply with the Law

So that your policy continues to qualify as life insurance under the Code, we reserve the right to refuse to accept all or part of your premium payments or to change your death benefit. We may refuse to allow you to make partial withdrawals that would cause your policy to fail to qualify as life insurance. We also may:

  • make changes to your policy or its riders; or
  • take distributions from your policy to the degree that we deem necessary to qualify your policy as life insurance for tax purposes.

If we make any change of this type, it applies the same way to all affected policies.

The tax law limits the amount we can charge for mortality costs and other expenses used to calculate whether your policy qualifies as life insurance for federal income tax purposes. We must base these calculations on reasonable mortality charges and as permitted, other charges reasonably expected to be paid. The Treasury issued proposed regulations on what it considers reasonable mortality charges. We believe that the charges used for your policy should meet the Treasury's current requirement for "reasonableness." We reserve the right to make changes to the mortality charges if future regulations have standards which make changes necessary in order to continue to qualify your policy as life insurance for federal income tax purposes.

Additionally, assuming that you do not want your policy to be or to become a modified endowment contract, we include a policy endorsement under which we have the right to amend your policy, including riders. We do this to attempt to enable your policy to continue to meet the seven-pay test for federal income tax purposes. If the policy premium you pay is more than the seven-pay limit, we have the right to remove any excess premium or to make any appropriate adjustments to your policy's account value and death benefit. It is not clear, however, whether we can take effective action pursuant to this endorsement under all possible circumstances to prevent a policy that has exceeded the premium limitation from being classified as a modified endowment contract.

Any increase in your death benefit will cause an increase in your cost of insurance charges.




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Other

Policy owners may use our policies in various arrangements, including:

  • qualified plans;
  • non-qualified deferred compensation or salary continuance plans;
  • split dollar insurance plans;
  • executive bonus plans;
  • retiree medical benefit plans; and
  • other plans.

The tax consequences of these plans may vary depending on the particular facts and circumstances of each arrangement. If you want to use any of your policies in this type of arrangement, you should consult a qualified tax adviser regarding the tax issues of your particular arrangement.

In recent years, Congress has adopted new rules relating to life insurance owned by businesses. Any business contemplating the purchase of a new policy or a change in an existing policy should consult a tax adviser.

The IRS requires us to withhold income taxes from any portion of the amounts individuals receive in a taxable transaction. We do not withhold income taxes if you elect in writing not to have withholding apply. If the amount withheld for you is insufficient to cover income taxes, you may have to pay income taxes and possibly penalties later.

The transfer of the policy or designation of a beneficiary may have federal, state and/or local transfer and inheritance tax consequences, including the imposition of gift, estate and generation-skipping transfer taxes. For example the transfer of the policy to, or the designation as a beneficiary of, or the payment of proceeds to a person who is assigned to a generation which is two or more generations below the generation assignment of the policy owner may have generation skipping transfer tax consequences under federal tax law. The individual situation of each policy owner or beneficiary will determine the extent, if any, to which federal, state and local transfer and inheritance taxes may be imposed and how ownership or receipt of policy proceeds will be treated for purposes of federal, state and local estate, inheritance, generation skipping and other taxes.

You should consult qualified legal or tax advisers for complete information on federal, state, local and other tax considerations.




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ADDITIONAL INFORMATION

Directors and Officers

Set forth below is information regarding the directors and principal officers of Security Life of Denver Insurance Company. Security Life's address and the business address of each person named, except as noted with one asterisk (*), is Security Life Center, 1290 Broadway, Denver, Colorado 80203-5699. The business address of each person denoted with one asterisk (*) is ING North America Insurance Corporation, 5780 Powers Ferry Road, Atlanta, Georgia 30327-4390.

Name and Principal Business and Address Position and Offices with Security Life of Denver
Stephen M. Christopher Chairman, President and Chief Executive Officer
Jess A. Skriletz Director, Chief Executive Officer and General Manager, ING Reinsurance and ING Institutional Markets
Michael W. Cunningham* Director
Mark A. Tullis* Director
P. Randall Lowery* Director
Thomas F. Conroy President, ING Reinsurance International
Gregory G. McGreevey President, ING Institutional Markets
James L. Livingston, Jr. Executive Vice President, CFO and Chief Actuary
John R. Barmeyer* Senior Vice President, ING US Legal Services
Peter Bell Senior Vice President, Risk Selection and Medical Director, ING Reinsurance
Arnold A. Dicke Senior Vice President and Chief Actuary, ING Reinsurance
Terry L. Morrison Senior Vice President, New Business Operations
Derek J. Reynolds* Senior Vice President and Chief Information Officer
Jeffrey W. Seel* Senior Vice President, Chief Investment Officer
Mark A. Smith Senior Vice President, Insurance Services
Lawrence D. Taylor Senior Vice President, Product Management
Gretta Ytterbo* Senior Vice President, ING US Legal Services
Gary W. Waggoner Vice President, General Counsel and Corporate Secretary
David S. Pendergrass* Vice President, Treasurer



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Regulation

We are regulated and supervised by the Division of Insurance of the Department of Regulatory Agencies of the State of Colorado which periodically examines our financial condition and operations. In addition, we are subject to the insurance laws and regulations in every jurisdiction in which we do business. As a result, the provisions of this policy may vary somewhat from jurisdiction to jurisdiction.

We are required to submit annual statements, including financial statements, of our operations and finances to the insurance departments of the various jurisdictions in which we do business to determine solvency and compliance with state insurance laws and regulations.

We are also subject to various federal securities laws and regulations.

Legal Matters

The legal matters in connection with the policy described in this prospectus have been passed on by the General Counsel of Security Life. Sutherland Asbill & Brennan LLP has provided advice on certain matters relating to the federal securities laws.

Legal Proceedings

Security Life, as an insurance company, is ordinarily involved in litigation. We do not believe that any current litigation is material to Security Life's ability to meet its obligations under the policy or to the separate account and we do not expect to incur significant losses from such actions. ING America Equities, Inc., the principal underwriter and distributor of the policy, is not engaged in any litigation of any material nature.

Experts

The financial statements of Security Life of Denver Insurance Company at December 31, 1999 and 1998, and for each of the three years in the period ended December 31, 1999, and the financial statements of the Security Life Separate Account L1at December 31, 1999, and for each of the three years in the period ended December 31, 1999, appearing in this prospectus and registration statement have been audited by Ernst & Young LLP, independent auditors, as set forth in their reports thereon appearing elsewhere herein, and are included in reliance upon such reports given on the authority of such firm as experts in accounting and auditing. Other financial statements included in the prospectus are unaudited.

Actuarial matters in this prospectus have been examined by James L. Livingston, Jr., F.S.A., M.A.A.A., who is Executive Vice President, CFO and Chief Actuary of Security Life. His opinion on actuarial matters is filed as an exhibit to the Registration Statement we filed with the SEC.

Registration Statement

We have filed a Registration Statement relating to the separate account and the variable life insurance policy described in this prospectus with the SEC. The Registration Statement, which is required by the Securities Act of 1933, includes additional information that is not required in this prospectus under the rules and regulations of the SEC. The additional information may be obtained from the SEC's principal office in Washington, DC. There is a charge for this material.




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INDEX OF SPECIAL TERMS

The following special terms are used in this prospectus. We explain each term on the page(s) listed in the body of this prospectus and in the summary, if applicable:

Account value8
Accumulation unit31
Accumulation unit value8
Adjustable term insurance rider22
Base death benefit24
Beneficiary(ies)24
Cash surrender value31
Continuation of coverage30
Death proceeds24
Free look period38
General account18
Guarantee period27
Guarantee period annual premium27
Guaranteed interest division18
Guaranteed minimum death benefit     27
Initial premium21
Investment date21
Investment Options12
Loan division35
Net account value31
Net amount at risk46
Net cash surrender value31
Net premium4
Partial withdrawal35
Policy4
Policy date20
Policy loan34
Portfolios12
Scheduled premium20
Segment26
Stated death benefit19
Target death benefit28
Target premium21
Total death benefit28
Transaction date31
Valuation date8
Valuation period32



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FINANCIAL STATEMENTS

The consolidated financial statements of Security Life of Denver Insurance Company and Subsidiaries ("Security Life and Subsidiaries") at December 31, 1999 and 1998, and for each of the three years in the period ended December 31, 1999, are prepared in accordance with generally accepted accounting principles and start on page 59.

The financial statements included for the Security Life Separate Account L1 at December 31, 1999 and for each of the three years in the period ended December 31, 1999, are prepared in accordance with generally accepted accounting principles.

The consolidated financial statements of Security Life and Subsidiaries, as well as the financial statements included for the Security Life Separate Account L1 referred to above have been audited by Ernst & Young LLP. The consolidated financial statements of Security Life and Subsidiaries should be distinguished from the financial statements of the Security Life Separate Account L1 and should be considered only as bearing upon the ability of Security Life and Subsidiaries to meet its obligations under the policies. They should not be considered as bearing upon the investment experience of the divisions of Security Life Separate Account L1. Other financial statements included here are not audited.




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Consolidated Financial Statements
Security Life of Denver Insurance Company and Subsidiaries

Years ended December 31, 1999, 1998 and 1997
with Report of Independent Auditors




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Security Life of Denver Insurance Company and Subsidiaries

Consolidated Financial Statements

Years ended December 31, 1999, 1998 and 1997

Contents

Report of Independent Auditors      61

Audited Consolidated Financial Statements

Consolidated Balance Sheets      62
Consolidated Statements of Income      64
Consolidated Statements of Comprehensive Income     65
Consolidated Statements of Stockholder's Equity      66
Consolidated Statements of Cash Flows      67
Notes to Consolidated Financial Statements      69



Asset Portfolio Manager   			60


Report of Independent Auditors

Board of Directors and Stockholder

Security Life of Denver Insurance Company

We have audited the accompanying consolidated balance sheets of Security Life of Denver Insurance Company (a wholly owned subsidiary of ING America Insurance Holdings, Inc.) and subsidiaries as of December 31, 1999 and 1998, and the related consolidated statements of income, comprehensive income, stockholder's equity, and cash flows for each of the three years in the period ended December 31, 1999. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted in the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial position of Security Life of Denver Insurance Company and subsidiaries at December 31, 1999 and 1998, and the consolidated results of their operations and their cash flows for each of the three years in the period ended December 31, 1999, in conformity with accounting principles generally accepted in the United States.

April 14, 2000



Asset Portfolio Manager   			61


Security Life of Denver Insurance Company and Subsidiaries

Consolidated Balance Sheets

(Dollars in Thousands)

September 30, December 31
2000
1999
1998
(Unaudited)
Assets
Investments (Notes 2 and 3):
     Fixed maturities, at fair value (amortized cost of
          $4,509,977, $3,649,485, and $3,383,582, respectively $ 4,414,641 $ 3,486,939 $ 3,503,530
     Equity securities, at fair value (cost of $20,167,
          $5,161 and $6,761, respectively)
22,842 7,944 8,400
     Mortgage loans on real estate 1,521,244 1,006,443 784,108
     Investment real estate, at cost, less accumulated
          depreciation of $576, $561 and $706,
          respectively)
2,742 1,028 1,740
     Policy loans 983,605 961,586 925,623
     Other long-term investments 55,121 37,284 17,671
     Short-term investments 35,383
186,917
747
Total investments 7,035,578 5,688,141 5,241,819
Cash 21,696 48,630 31,644
Accrued investment income 91,296 78,866 52,440
Reinsurance recoverable:
     Paid benefits 31,407 19,738 11,364
     Unpaid benefits 29,493 28,060 24,312
Prepaid reinsurance premiums (Note 8) 2,493,193 3,666,882 3,329,901
Deferred policy acquisition costs (DPAC) 1,011,047 982,713 778,126
Property and equipment, at cost, less accumulated
     depreciation of $17,442, $28,522 and $25,981,
     respectively)
34,134 34,704 36,141
Federal income tax recoverable (Note 9) - 27,663 -
Indebtedness from related parties 13,375 33,220 4,339
Other assets 108,811 134,913 113,019
Separate account assets (Note 6) 787,231
644,975
423,474
Total assets $11,657,261

$11,388,505

$10,046,579



Asset Portfolio Manager   			62


September 30, December 31
2000
1999
1998
(Unaudited)
Liabilities and stockholder's equity
Liabilities:
     Future policy benefits:
          Life and annuity reserves $ 5,546,577 $ 5,313,006 $ 4,857,141
          Guaranteed investment contracts 3,527,703 3,885,219 3,210,012
          Policyholders' funds 152,080 79,648 81,064
          Advance premiums 142 192 272
          Accrued dividends and dividends on deposit 23,321 21,603 21,268
          Policy and contract claims 170,672
155,679
130,100
     Total future policy benefits 9,420,495 9,455,347 8,299,857
     Accounts payable and accrued expenses 208,607 126,857 108,165
     Indebtedness to related parties 35,351 34,231 13,755
     Long-term debt to related parties (Note 10) 84,260 100,000 100,000
     Accrued interest on long-term debt to related
          parties (Note 10) - 11,098 5,387
     Other liabilities 104,086 98,225 109,593
     Federal income taxes payable (Note 9) 4,697 - 106
     Deferred federal income taxes (Note 9) 45,827 18,679 60,062
     Separate account liabilities (Note 6) 787,231
644,975
423,474
Total liabilities 10,690,554 10,489,412 9,120,399
Commitments and contingencies (Notes 8 and 13)
Stockholder's equity (Note 11):
     Common stock, $20,000 par value:
          Authorized--149 shares
          Issued and outstanding-- 144 shares 2,880 2,880 2,880
     Additional paid-in capital 345,722 345,722 315,722
     Retained earnings 659,780 614,785 563,553
     Accumulated other comprehensive income (loss) (41,675)
(64,294)
44,025
Total stockholder's equity 966,707
899,093
926,180
Total liabilities and stockholder's equity $11,657,261

$11,388,505

$10,046,579

See accompanying notes.



Asset Portfolio Manager   			63


Security Life of Denver Insurance Company and Subsidiaries

Consolidated Statements of Income

(Dollars in Thousands)

      Nine months ended
September 30,
Year ended December 31
2000
1999
1998
1997
(Unaudited)
Revenues:
     Traditional life insurance premiums $ 64,357 $ 104,133 $ 120,675 $ 122,429
     Universal life and investment product charges 197,531 247,066 229,226 217,108
     Reinsurance premiums assumed 413,435
526,563
431,267
446,434
675,323 877,762 781,168 785,971
     Reinsurance premiums ceded (112,820)
(147,068)
(143,211)
(124,815)
562,503 730,694 637,957 661,156
     Net investment income 350,082 394,167 361,996 340,898
     Net realized gains (losses) on investments (23,543) (39,495) 10,818 28,645
     Other revenues 12,072
18,304
11,771
6,743
901,114 1,103,670 1,022,542 1,037,442
Benefits and expenses:
     Benefits:
          Traditional life insurance:
               Death benefits 273,577 357,472 239,921 299,305
               Other benefits 45,793 72,286 77,209 79,849
          Universal life and investment contracts:
               Interest credited to account balances 206,810 258,167 236,136 217,614
          Death benefits incurred in excess of account balances 88,356 95,444 63,103 73,260
          Increase (decrease) in future policy benefits 54,474 95,511 102,875 72,685
          Reinsurance recoveries (72,528) (127,238) (84,506) (98,376)
          Product conversions 20,910
3,701
10,578
7,014
617,392 755,343 645,316 651,351
     Expenses:
          Commissions 62,801 81,539 49,569 46,516
          Insurance operating expenses 67,419 91,172 125,194 89,075
          Amortization of deferred policy acquisition costs 85,227
98,051
105,639
116,495
832,839 1,026,105 925,718 903,437
Income before federal income taxes 68,275 77,565 96,824 134,005
Federal income taxes (Note 9) 23,280
26,333
34,066
47,019
Net income $ 44,995
$ 51,232
$ 62,758
$ 86,986

See accompanying notes.



Asset Portfolio Manager   			64


Security Life of Denver Insurance Company and Subsidiaries

Consolidated Statements of Comprehensive Income

(Dollars in Thousands)

Nine months ended
September 30,
Year ended December 31
2000
1999
1998
1997
(Unaudited)
Net income $ 44,995
$ 51,232
$ 62,758
$ 86,986
Other comprehensive income:
     Unrealized gains (losses) on securities:
          Net change in unrealized holding
             gains (losses), net of tax
(32,394) (150,423) (11,251) 28,367
          Reclassification adjustment for
             realized gains included in net
             income, net of tax
19,994 (32,454) (5,010) (4,601)
          Effect on DPAC of unrealized gains
             and losses on fixed maturities, net
             of tax
19,512 82,098 7,236 (37,522)
          Reclassification effect on DPAC of
             realized gains and losses included
             in net income, net of tax
12,530 (7,073) 3,075 5,976
          Net change in pension liability, net of tax 2,977
(467)
(963)
-
Total other comprehensive income (loss) 22,619
(108,319)
(6,913)
(7,780)
Comprehensive income (loss) $ 67,614

$ (57,087)

$ 55,845

$ 79,206

See accompanying notes.



Asset Portfolio Manager   			65


Security Life of Denver Insurance Company and Subsidiaries

Consolidated Statements of Stockholder's Equity

(Dollars in Thousands)

Nine months ended

September 30,

Year ended December 31
2000
1999
1998
1997
Common stock:
     Balance at beginning and end of year $ 2,880

$ 2,880

$ 2,880

$ 2,880

Additional paid-in capital:
     Balance at beginning of year $ 345,722 $ 315,722 $315,722 $302,722
     Capital contributions -
30,000
-
13,000
Balance at end of year $ 345,722

$ 345,722

$315,722

$315,722

Accumulated other comprehensive income (loss):
     Net unrealized gains on investments:
          Balance at beginning of year $ (62,864) $ 44,988 $ 50,938 $ 58,718
          Unrealized gains (losses) on securities:
                Change in unrealized gains (losses), net of tax (12,400) (182,877) (16,261) 23,766
               Effect on DPAC of unrealized gains and losses on fixed maturities, net of tax 32,042
75,025
10,311
(31,546)
Balance at end of year (43,222) (62,864) 44,988 50,938
     Accumulated net pension liability:
          Balance at beginning of year (1,430) (963) - -
          Net change in pension liability, net of tax 2,977
(467)
(963)
-
Balance at end of year 1,547
(1,430)
(963)
-
Total accumulated other comprehensive income (loss) $ (41,675)

$ (64,294)

$ 44,025

$ 50,938

Retained earnings:
     Balance at beginning of year $ 614,785 $563,553 $500,795 $413,809
     Net income 44,995
51,232
62,758
86,986
     Balance at end of year $ 659,780

$614,785

$563,553

$500,795

Total stockholder's equity $ 966,707

$899,093

$926,180

$870,335

See accompanying notes.



Asset Portfolio Manager   			66


Security Life of Denver Insurance Company and Subsidiaries

Consolidated Statements of Cash Flows

(Dollars in Thousands)

Nine months ended

September 30,

Year ended December 31
2000
1999
1998
1997
(Unaudited)
Operating activities
Net income $ 44,995 $ 51,232 $ 62,758 $ 86,986
Adjustments to reconcile net income to net cash provided by operating activities:
          Increase (decrease) in future policy benefits (34,852) 624,769 874,765 995,632
          Net (increase) decrease in federal income taxes 31,842 (69,152) 12,061 (12,317)
          Increase in accounts payable and accrued 87,611 6,088 55,361 21,033
          Increase (decrease) in accrued interest on long-term debt (11,098) 5,711 259 1,428
          Increase in accrued investment income (12,430) (26,426) (2,714) (4,300)
          (Increase) decrease in reinsurance recoverable (13,102) (12,122) (9,518) 3,733
          (Increase) decrease in prepaid reinsurance premiums 1,173,689 (336,981) (585,038) (793,851)
          Net realized investment (gains) losses 22,543 39,495 (10,818) (28,645)
          Depreciation and amortization expense 1,925 2,567 3,174 3,630
          Policy acquisition costs deferred (140,410) (187,214) (184,993) (174,374)
          Amortization of deferred policy acquisition costs 85,227 98,049 105,639 116,495
          Increase in accrual for postretirement benefits 577 769 675 557
          Other, net 79,632
51,980
(7,053)
43,538
Net cash provided by operating activities 1,317,149 248,765 314,558 259,545
Investing activities
Securities available-for-sale:
     Sales:
          Fixed maturities 1,618,829 2,300,734 5,015,989 2,279,598
          Equity securities 19 2,053 2,251 648
     Maturities--fixed maturities 135,995 193,664 274,463 410,632
     Purchases:
          Fixed maturities (2,661,235) (2,816,711) (5,670,994) (2,919,145)
          Equity securities (15,020) - (2,089) (2,561)
Sale, maturity or repayment of investments:
     Mortgage loans on real estate 52,286 47,851 51,235 38,756
     Investment real estate - 1,109 - -
     Other long-term investments 72,648 70,790 10,678 2,002


Asset Portfolio Manager   			67


Security Life of Denver Insurance Company and Subsidiaries

Consolidated Statements of Cash Flows (continued)

(Dollars in Thousands)

Nine months ended

September 30,

Year ended December 31
2000
1999
1998
1997
(Unaudited)
Investing activities (continued)
Purchase or issuance of investments:
     Mortgage loans on real estate $ (567,684) (271,686) (259,945) $ (163,528)
     Investment real estate (115) - (13) (35)
     Policy loans, net (22,019) (35,963) (50,218) (80,094)
     Other long-term investments (86,041) (88,661) (14,042) (5,248)
     Short-term investments, net (3,768) (186,174) 55,115 (48,447)
Additions to property and equipment (935) (1,247) (1,418) (2,687)
Disposals of property and equipment 110
147
68
145
Net cash used by investing activities (1,476,930) (784,094) (588,920) (489,964)
Financing activities
(Decrease) increase in indebtedness to related parties 5,225 (8,406) 29,156 5,217
Cash contributions from parent - 30,000 - 13,000
Receipts from interest-sensitive products
     credited to policyholder account balances 336,061 829,493 505,728 555,223
Return of policyholder account balances
     on interest-sensitive policies
(208,439)
(298,772)
(251,177)
(334,543)
Net cash provided by financing activities 132,847
552,315
283,707
238,897
Net increase (decrease) in cash (26,934) 16,986 9,345 8,478
Cash at beginning of year 48,630
31,644
22,299
13,821
Cash at end of year $ 21,696

$ 48,630

$ 31,644

$ 22,299

See accompanying notes.



Asset Portfolio Manager   			68


Security Life of Denver Insurance Company and Subsidiaries

Notes to Consolidated Financial Statements

(Information subsequent to December 31, 1999 is unaudited)

1. Significant Accounting Policies

Principles of Consolidation

The accompanying consolidated financial statements include the accounts and operations, after intercompany eliminations, of Security Life of Denver Insurance Company (Security Life) and its wholly owned subsidiaries: Midwestern United Life Insurance Company (Midwestern United); First ING Life Insurance Company of New York (First ING); First Secured Mortgage Deposit Corporation; Tailored Investment Notes Trust 1999-1 (Trust); and ING America Equities, Inc.

Nature of Operations

Security Life of Denver Insurance Company and its subsidiaries (the Company) is a wholly owned subsidiary of ING America Insurance Holdings, Inc. (ING America). The Company focuses on three markets, the advanced market, reinsurance to other insurers, and the investment products market. The life insurance products offered for the advanced market include wealth transfer and estate planning, executive benefits, charitable giving and corporate owned life insurance. These products include traditional life, interest-sensitive life, universal life and variable life. Operations are conducted almost entirely on the general agency basis and the Company is presently licensed in all states (approved for reinsurance only in New York), the District of Columbia and the Virgin Islands. In the reinsurance market, the Company offers financial security to clients through a mix of total risk management and traditional life insurance services. In the investment products market, the Company offers guaranteed investment contracts, funding agreements and Trust notes to institutional buyers.

The significant accounting policies followed by the Company that materially affect the financial statements are summarized below:

Basis of Presentation

The accompanying consolidated financial statements have been prepared in accordance with accounting principles generally accepted in the United States (U.S. GAAP) which, as to the insurance companies included in the consolidation, differ from statutory accounting practices prescribed or permitted by state insurance regulatory authorities.

The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.



Asset Portfolio Manager   			69


1. Significant Accounting Policies (continued)

Accounting Changes

During 1998, the Company adopted FASB Statement No. 132, Employers' Disclosures about Pensions and Other Postretirement Benefits, which standardizes the disclosure requirements for pension and other postretirement benefits. This Statement is effective for years beginning after December 15, 1997, with the restatement of disclosures for prior periods provided for comparative purposes, unless prior period information is not readily available.

During 1998, the Company adopted FASB Statement No. 130, Reporting Comprehensive Income, which requires an entity to divide comprehensive income into net income and other comprehensive income in the period recognized. This Statement is effective for fiscal years beginning after December 15, 1997, with the restatement of prior period disclosures for comparative purposes. As a result of implementing this Statement, the Company has classified items of other comprehensive income by their nature in the statements of comprehensive income and the accumulated balance of other comprehensive income in the equity section of the balance sheet. This Statement affects the presentation of the financial statements, with no effect on the valuation of total stockholder's equity.

During 1999, the Company adopted Statement of Position 97-3, Accounting by Insurance and Other Enterprises for Insurance-Related Assessments. This Statement is effective for fiscal years beginning after December 31, 1998 and requires a liability to be recognized for the future guaranty fund assessments based on estimates of insurance company insolvencies provided by the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA) and premiums written in each state. The Statement also requires that when it is probable a paid or accrued assessment will result in an amount that is recoverable from premium tax offsets or policy surcharges, an asset be recognized at the time the liability is recorded. Additional disclosures are also required, including the amount of the liability, the amount of the related asset for premium tax offsets or policy surcharges, the periods over which the assessments are expected to be paid, and the period over which the recorded premium tax offsets or policy surcharges are expected to be realized. Prior period financial statements presented for comparative purposes are not restated. The adoption of this Statement had no effect on the valuation of total stockholder's equity.



Asset Portfolio Manager   			70


1. Significant Accounting Policies (continued)

Pending Accounting Standards

During 1998, the FASB issued Statement No. 133, Accounting for Derivative Financial Instruments and Hedging Activities, which establishes a new model for accounting and reporting for derivatives and hedging activities. Statement 133 requires all derivatives to be recognized on the balance sheet and measured at fair value. Based on the type of hedging relationship (fair value, cash flow, or foreign currency), Statement 133 requires the recognition of offsetting changes in value or cash flows of both the derivative and the hedged item in earnings in the same period. Changes in the fair value of derivatives that are not designated as hedges or that do not meet the hedge accounting criteria in Statement 133 are included in earnings in the period of change. During 1999, the FASB issued Statement 137 which delays the implementation of Statement 133 to years beginning after June 15, 2000. Upon the initial application of Statement 133, all derivatives are required to be recognized in the balance sheet as either assets or liabilities and measured at fair value. The Company plans to adopt this Statement during 2001, and the effect of implementation on the Company's financial statements has not yet been determined.

Investments

Investments are presented on the following bases:
 The carrying value of fixed maturities depends on the classification of the security: securities held-to-maturity, securities available-for-sale, and trading securities. Management determines the appropriate classification of debt securities at the time of purchase.
 
 The Company does not hold any securities classified as held-to-maturity or trading securities.
 
 Debt securities and marketable equity securities are classified as available-for-sale. Available-for-sale securities are stated at fair value, with the unrealized gains and losses, and deferred policy acquisition cost adjustments, reported net of tax as a component of other comprehensive income in stockholder's equity.


Asset Portfolio Manager   			71


1. Significant Accounting Policies (continued)
 The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity, or in the case of mortgage-backed securities, over the estimated life of the security. Such amortization is included in interest income from investments. Interest and dividends are included in net investment income as earned.
 
 

Mortgage loans are carried at the unpaid balances less an allowance for credit losses. Investment real estate is carried at cost, less accumulated depreciation. Policy loans are carried at unpaid balances. Derivatives hedging fixed maturity assets are reported on the balance sheet at market value with fixed maturity securities. Derivatives hedging liabilities are reported on the balance sheet at amortized cost with other investments.

 
 

Realized gains and losses, and declines in value judged to be other-than-temporary are included in net realized gains on investments. The cost of securities sold is based on the specific identification method.

Recognition of Premium Revenues

Premiums for traditional life insurance products, which include those products with fixed and guaranteed premiums and benefits and consist principally of whole life insurance policies, are recognized as revenue when due. Revenues for universal life insurance policies and for investment products consist of policy charges for the cost of insurance, policy administration charges, and surrender charges assessed against policyholder account balances during the year.

Deferred Policy Acquisition Costs

Commissions, reinsurance allowances, and other costs of acquiring traditional life insurance, including reinsurance assumed, universal life insurance (including interest-sensitive products) and investment products that vary with and are primarily related to the production of new and renewal business, have been deferred. Traditional life insurance acquisition costs are being amortized using assumptions consistent with those used in computing policy benefit reserves. The period of amortization is normally over the premium-paying period. In the case of policies with no first-year premium, the period of amortization includes the first year, in addition to the premium-paying period. For universal life insurance and investment products, acquisition costs are being amortized generally in proportion to the present value (using the assumed crediting rate) of expected



Asset Portfolio Manager   			72


1. Significant Accounting Policies (continued)

gross margins from surrender charges, investments, mortality, and expenses. This amortization is adjusted retrospectively when estimates of current or future gross margins to be realized from a group of products are revised.

Deferred policy acquisition costs are adjusted to reflect changes that would have been necessary if unrealized investment gains and losses related to available-for-sale securities had been realized. The Company has reflected those adjustments in the asset balance with the offset as a direct adjustment to accumulated other comprehensive income in stockholder's equity.

Future Policy Benefits

Benefit reserves for traditional life insurance products (other than reinsurance assumed) are computed using a net level premium method including assumptions as to investment yields, mortality, withdrawals and other assumptions based on Company and industry experience. These assumptions include provisions for adverse deviation and are modified as necessary to reflect anticipated trends. Reserve interest assumptions are those deemed appropriate at the time of policy issue, and range from 3% to 7.5%. Policy benefit claims are charged to expense in the year that the claims are incurred.

Benefit reserves for reinsurance assumed are computed using pricing assumptions with provisions for adverse deviation. Benefits for level-term reinsurance assumed are computed to recognize profits in proportion with revenue. Benefit reserves for all other reinsurance assumed are computed to recognize profits in proportion to the coverage provided.

Benefit reserves for universal life-type policies (including fixed premium interest-sensitive products) and investment products are computed under a retrospective deposit method and represent policy account balances before applicable surrender charges. Policy benefits and claims that are charged to expense include benefit claims incurred during the year in excess of related policy account balances. Interest crediting rates for universal life and investment products range from 3.51% to 7.61% during 1999, 3.80% to 7.81% during 1998, and 4.60% to 7.81% during 1997.

Included in life and annuity reserves is an unearned revenue reserve that reflects the unamortized balance of excess heaped expense loads over ultimate renewal expense loads on universal life and investment products. These excess fees have been deferred and are being recognized in income over the periods benefited, using the same assumptions and factors used to amortize deferred policy acquisition costs.



Asset Portfolio Manager   			73


1. Significant Accounting Policies (continued)

Policy and Contract Claims

The liabilities for unpaid claims include estimates of amounts due on reported claims and claims that have been incurred but were not reported as of December 31. Such estimates are based on actuarial projections applied to historical claim payment data and are considered reasonable and adequate to discharge the Company's obligations for claims incurred but unpaid as of December 31.

Property and Equipment

Property and equipment are carried at cost less accumulated depreciation. Impairment losses are recorded when indicators of impairment are present and the estimated undiscounted cash flows are less than the assets' carrying value. Depreciation for major classes of assets is calculated on a straight-line basis.

Participating Insurance

The Company accrues a liability for earnings on participating policies that cannot inure to the benefit of the Company's stockholder. The liability is determined based on earnings on participating policies in excess of 10% of profits on participating business before payment of policyholder dividends. The liability for these undistributed earnings was $5,497,000 and $5,816,000 at December 31, 1999 and 1998, respectively. Participating business approximates .2% of the Company's ordinary life insurance in force and 1.5% of premium income. Earnings for participating insurance are based on the actual earnings of the participation block of policies. Expenses and taxes are allocated based on the amount of participating insurance in force. Investment income is allocated based on the yield of the participating investment portfolio. The amount of dividends to be paid is determined annually by the Board of Directors. Amounts allocable to participating policyholders are based on published dividend projections or expected dividend scales. Dividends of $3,424,000, $3,233,000, and $3,377,000 were incurred in 1999, 1998, and 1997, respectively.

Federal Income Taxes

Deferred federal income taxes have been provided or credited to reflect significant temporary differences between income reported for tax and financial reporting purposes using reasonable assumptions.



Asset Portfolio Manager   			74


1. Significant Accounting Policies (continued)

Cash Flow Information

Cash includes cash on hand and demand deposits. Included as a component of operating activities is interest paid of $2,672,000, $10,121,000, and $10,110,000 for 1999, 1998, and 1997, respectively.

Guaranty Fund Assessments

Insurance companies are assessed the costs of funding the insolvencies of other insurance companies by the various state guaranty associations, generally based on the amount of premium companies collect in that state. The Company accrues the cost of future guaranty fund assessments based on estimates of insurance company insolvencies provided by the National Organization of Life and Health Insurance Guaranty Associations (NOLHGA) and the amount of premiums written in each state. The guaranty fund assessment liability at December 31, 1999 and 1998 was $17,644,000 and $13,338,000, respectively. The assessment is expected to be paid over the next five or more years. The related premium tax credit offsets are $15,339,000 and $11,891,000 at December 31, 1999 and 1998, respectively. The premium tax credit offsets are expected to be realized over the next five years.

Reclassifications

Certain amounts in the 1997 financial statements have been reclassified to conform to the 1999 and 1998 presentation.



Asset Portfolio Manager   			75


2. Investments

The amortized cost and fair value of investments in fixed maturities and equity securities are as follows at December 31, 1999 and 1998:

December 31, 1999
Cost or Amortized Cost
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value
(Dollars in thousands)
Available-for-sale:
     U.S. Treasury securities and
          obligations of U.S. government
          corporations and agencies
$ 98,354 $ 42 $ 7,795 $ 90,601
     States, municipalities and political
          subdivisions 21,412 - 4,408 17,004
     Public utilities securities 276,742 272 19,532 257,482
     Debt securities issued by foreign
          governments 452 - - 452
     Corporate securities 1,431,446 4,131 77,293 1,358,284
     Mortgage-backed securities 1,075,807 24,064 56,493 1,043,378
     Other asset-backed securities 745,231 7,626 33,635 719,222
     Redeemable preferred stocks - - - -
     Derivatives hedging fixed
          maturities (Note 3)
 
41
475
-
516
     Total fixed maturities 3,649,485 36,610 199,156 3,486,939
     Preferred stocks (nonredeemable) 2,651 329 24 2,956
     Common stocks 2,510
2,573
95
4,988
     Total equity securities 5,161
2,902
119
7,944
Total $3,654,646

$39,512

$199,275

$3,494,883



Asset Portfolio Manager   			76


2. Investments (continued)
December 31, 1998
Cost or Amortized Cost
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value
(Dollars in thousands)
Available-for-sale:
     U.S. Treasury securities and
          obligations of U.S. government
          corporations and agencies
$ 166,611 $ 3,829 $ 589 $ 169,851
     States, municipalities and political
          subdivisions 23,368 959 1,803 22,524
     Public utilities securities 172,968 4,885 904 176,949
     Debt securities issued by foreign
          governments 952 - - 952
     Corporate securities 1,251,462 46,292 23,512 1,274,242
     Mortgage-backed securities 1,132,058 75,159 6,922 1,200,295
     Other asset-backed securities 635,539 19,968 3,578 651,929
     Redeemable preferred stocks 312 42 - 354
     Derivatives hedging fixed
          maturities (Note 3)
 
312
6,434
312
6,434
     Total fixed maturities 3,383,582 157,568 37,620 3,503,530
     Preferred stocks (nonredeemable) 4,251 6 52 4,205
     Common stocks 2,510
1,780
95
4,195
     Total equity securities 6,761
1,786
147
8,400
Total $3,390,343

$159,354

$37,767

$3,511,930



Asset Portfolio Manager   			77


2. Investments (continued)

The amortized cost and fair value of investments in fixed maturities at December 31, 1999, by contractual maturity, are shown in the following table (in thousands). Expected maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without call or prepayment penalties.

Amortized Cost

Fair Value


Available for sale:
     Due in one year or less $ 9,637 $ 9,174
     Due after one year through five years 247,473 245,401
     Due after five years through ten years 749,169 716,715
     Due after ten years 822,127
752,532
1,828,406 1,723,822
Mortgage-backed securities 1,075,807 1,043,379
Other asset-backed securities 745,231 719,222
Derivatives 41
516
Total available-for-sale $3,649,485

$3,486,939

Changes in unrealized gains (losses) on investments in available-for-sale securities for the years ended December 31, 1999, 1998 and 1997 are summarized as follows (in thousands):

December 31, 1999
Fixed
Equity
Total
Gross unrealized gains $ 36,610 $2,902 $ 39,512
Gross unrealized (losses) (199,156)
(119)
(199,275)
Net unrealized gains (losses) (162,546) 2,783 (159,763)
Deferred income tax 56,891
(974)
55,917
Net unrealized gains (losses) after taxes (105,655) 1,809 (103,846)
Less:
     Balance at beginning of year 77,966
1,065
79,031
Change in net unrealized gains
     (losses) $(183,621)

$ 744

$(182,877)



Asset Portfolio Manager   			78


2. Investments (continued)

December 31, 1998
Fixed
Equity
Total
Gross unrealized gains $157,568 $1,786 $159,354
Gross unrealized (losses) (37,620)
(147)
(37,767)
Net unrealized gains 119,948 1,639 121,587
Deferred income tax (41,982)
(574)
(42,556)
Net unrealized gains after taxes 77,966 1,065 79,031
Less:
     Balance at beginning of year 94,470
822
95,292
Change in net unrealized gains
     (losses) $ (16,504)

$ 243

$ (16,261)

December 31, 1997
Fixed
Equity
Total
Gross unrealized gains $161,625 $1,513 $163,138
Gross unrealized (losses) (16,282)
(248)
(16,530)
Net unrealized gains 145,343 1,265 146,608
Deferred income tax (50,873)
(443)
(51,316)
Net unrealized gains after taxes 94,470 822 95,292
Less:
     Balance at beginning of year 71,237
289
71,526
Change in net unrealized gains
     (losses) $ 23,233

$ 533

$ 23,766

As part of its overall investment management strategy, the Company has entered into agreements to purchase $140,600,000 in mortgage loans as of December 31, 1999. These agreements were settled during 2000. The Company had no agreements to sell securities at December 31, 1999.



Asset Portfolio Manager   			79


2. Investments (continued)

Major categories of investment income for the years ended December 31 are summarized as follows (in thousands):

1999
1998
1997
Fixed maturities $288,694 $278,227 $259,936
Mortgage loans on real estate 66,687 47,567 40,908
Policy loans 60,284 58,016 56,087
Other investments 2,068
2,911
3,159
417,733 386,721 360,090
Investment expenses (23,566)
(24,725)
(19,192)
Net investment income $394,167

$361,996

$340,898

Net realized gains (losses) on investments for the years ended December 31 are summarized as follows (in thousands):

1999
1998
1997
Fixed maturities $(41,679) $ 9,691 $27,717
Equity securities 142 168 (57)
Real estate and other 2,042
959
985
Net realized gains (losses) on
     investments $(39,495)

$10,818

$28,645

During 1999, 1998 and 1997, fixed maturities and marketable equity securities available-for-sale were sold with fair values at the date of sale of $2,300,481,000, $5,018,240,000 and $2,281,886,000, respectively. Gross gains of $20,117,000, $44,314,000 and $41,017,000 and gross losses of $61,654,000, $34,455,000 and $13,357,000 were realized on those sales in 1999, 1998 and 1997, respectively.

At December 31, 1999 and 1998, bonds with an amortized cost of $28,755,000 and $29,081,000, respectively, were on deposit with various state insurance departments to meet regulatory requirements.



Asset Portfolio Manager   			80


3. Derivative Financial Instruments Held for Purposes Other Than Trading

The Company enters into interest rate and currency contracts, including swaps, caps, floors, and options, to reduce and manage risks, which include the risk of a change in the value, yield, price, cash flows, exchange rates or quantity of, or a degree of exposure with respect to, assets, liabilities, or future cash flows which the Company has acquired or incurred. Hedge accounting practices are supported by cash flow matching, scenario testing and duration matching.

Interest rate swap agreements generally involve the exchange of fixed and floating interest payments over the life of the agreement without an exchange of the underlying principal amount. Currency swap agreements generally involve the exchange of local and foreign currency payments over the life of the agreements without an exchange of the underlying principal amount. Interest rate cap and interest rate floor agreements owned entitle the Company to receive payments to the extent reference interest rates exceed or fall below strike levels in the contracts based on the notional amounts.

Premiums paid for the purchase of interest rate contracts are included in other assets and are being amortized to interest expense over the remaining terms of the contracts or in a manner consistent with the financial instruments being hedged. Amounts paid or received, if any, from such contracts are included in interest expense or income. Accrued amounts payable to or receivable from counterparties are included in other liabilities or assets.

Gains and losses as a result of early terminations of interest rate contracts are amortized to investment income over the remaining term of the items being hedged to the extent the hedge is considered to be effective; otherwise, they are recognized upon termination.

Interest rate contracts that are matched or otherwise designated to be associated with other financial instruments are recorded at fair value if the related financial instruments mature, are sold, or are otherwise terminated or if the interest rate contracts cease to be effective hedges.

The Company manages the potential credit exposure from interest rate contracts through careful evaluation of the counterparties' credit standing, collateral agreements, and master netting agreements.

The Company is exposed to credit loss in the event of nonperformance by counterparties on interest rate contracts; however, the Company does not anticipate nonperformance by any of these counterparties. The amount of such exposure is generally the unrealized gains in such contacts.



Asset Portfolio Manager   			81


3. Derivative Financial Instruments Held for Purposes Other Than Trading (continued)

The table below summarizes the Company's interest rate contracts at December 31, 1999 and 1998 (in thousands):

December 31, 1999
Notional Amount
Amortized Cost
Fair Value
Balance Sheet
Interest rate contracts:
     Swaps $1,340,582 $ (125) $19,014 $ 311
     Swaps--affiliates 1,034,535
125
(18,869)
125
Total swaps 2,375,117 - 145 436
 
     Caps owned 50,525 80 17 40
     Caps owned--affiliates 20,525
(39)
(17)
(40)
Total caps owned 71,050 41 - -
 
     Floors owned 90,500 252 172 332
     Floors owned--affiliates -
-
-
-
Total floors owned 90,500 252 172 332
 
     Options owned 302,000 4,000 7,118 4,000
     Options owned--affiliates 277,000
(3,210)
(6,198)
(3,210)
Total options owned 579,000
790
920
790
 
     Forwards owned 152,300 - 37 -
     Forwards owned--affiliates 144,300
-
(32)
-
Total forwards owned 296,600
-
5
-
Total derivatives $3,412,267

$1,083

$ 1,242

$1,558



Asset Portfolio Manager   			82


3. Derivative Financial Instruments Held for Purposes Other Than Trading (continued)

December 31, 1998
Notional Amount
Amortized Cost
Fair Value
Balance Sheet
Interest rate contracts:
     Swaps $ 767,873 $ (155) $(2,952) $(2,952)
     Swaps--affiliates 734,176
155
5,440
5,440
Total swaps 1,502,049 - 2,488 2,488
 
     Caps owned 560,000 312 11 11
     Caps owned--affiliates -
-
-
-
Total caps owned 560,000 312 11 11
 
     Floors owned 422,485 (72) 3,768 3,768
     Floors owned--affiliates 8,485
72
167
167
Total floors owned 430,970 - 3,935 3,935
 
     Options owned 418,300 5,268 2,664 2,664
     Options owned--affiliates 418,300
(5,268)
(2,664)
(2,664)
Total options owned 836,600
-
-
-
 
     Forwards owned - - - -
     Forwards owned--affiliates -
-
-
-
Total forwards owned -
-
-
-
Total derivatives $3,329,619

$ 312

$ 6,434

$ 6,434

4. Concentrations of Credit Risk

At December 31, 1999, the Company held less-than-investment-grade bonds classified as available-for-sale with a carrying value and market value of $319,122,000. These holdings amounted to 9.1% of the Company's investments in fixed maturity securities and 2.8% of total assets. The holdings of less-than-investment-grade bonds are widely diversified and of satisfactory quality based on the Company's investment policies and credit standards.



Asset Portfolio Manager   			83


4. Concentrations of Credit Risk (continued)

At December 31, 1999, the Company's mortgages involved a concentration of properties located in Florida (15.2%), Texas (9.9%), and Georgia (6.2%). The remaining mortgages relate to properties located in 36 other states. The portfolio is well diversified, covering many different types of income-producing properties on which the Company has first mortgage liens. The maximum mortgage outstanding on any individual property is $24,076,000.

5. Employee Benefit Plans

Pension Plans and Postretirement Benefits

The Company has a qualified noncontributory defined benefit retirement plan covering substantially all employees. In addition, the Company maintains a non-qualified unfunded Supplemental Employees' Retirement Plan (SERP). In addition to providing pension plans, the Company provides certain health care and life insurance benefits for retired employees.

The funded status and the amounts recognized in the balance sheets for the defined benefit plans and other postretirement benefit plans are as follows (in thousands):

December 31
1999
1998
Qualified Plan
SERP
Post- Retirement
Qualified Plan
SERP
Post- Retirement
Projected benefit obligation $(36,352) $(11,803) $ (6,256) $(38,685) $(8,320) $ (8,949)
Less plan assets at fair value 50,495
-
-
47,230
-
-
Plan assets in excess (deficient)
     of projected benefit obligation $ 14,143

$(11,803)

$ (6,256)

$ 8,545

$(8,320)

$ (8,949)

Net asset (liability) $ 1,200

$ (6,501)

$(12,813)

$ 1,240

$(4,918)

$(12,044)

As of December 31, 1999 and 1998, the Company recognized an additional minimum net liability on the SERP of $2,200,000 and $1,482,000, respectively, as this plan is unfunded and the actuarial present value of accumulated benefit obligation exceeds the net pension liability. Prior to 1998, the change in the additional minimum net liability was reported in net income. Beginning in 1998, the change in the additional minimum net liability is recorded net of tax as a component of other comprehensive income directly in stockholder's equity.



Asset Portfolio Manager   			84


5. Employee Benefit Plans (continued)

The net periodic pension cost, employer contributions, plan participant contributions, and benefits paid for the defined benefit plans are as follows (in thousands):

1999
1998
1997
Qualified
Plan

SERP
Post-
Retirement

Qualified
Plan

SERP
Post-
Retirement

Qualified
Plan

SERP
Post-
Retirement

Net periodic pension
     expense
$ 40 $1,971 $1,236 $ 82 $1,109 $893 $607 $1,502 $755
Employer contributions - 387 467 - 325 218 - 317 198
Plan participants'
     contributions
- - 94 - - 77 - - 71
Benefits paid 1,238 387 561 890 325 296 811 317 268

Assumptions used in accounting for the defined benefit plans as of December 31, 1999, 1998, and 1997 were as follows:

1999
1998
1997
Weighted-average discount rate 8.00% 6.75% 7.25%
Rate of increase in compensation level 5.00% 4.00% 4.25%
Expected long-term rate of return on assets 9.25% 9.50% 9.50%

Plan assets of the defined benefit plans at December 31, 1999 are invested primarily in U.S. government securities, corporate bonds, mutual funds, mortgage loans, money market funds and common stock. Certain of the Qualified Plan's investments are held in the ING-NA Master Trust, which was established in 1998 for the investment of assets of the Plan and several other ING-NA-sponsored retirement plans.

The annual assumed rate of increase in the per capita cost of covered benefits (i.e., health care cost trend rate) for the medical plan is 9.5% graded to 5.5% over eight years. The health care cost trend rate assumption has a significant effect on the amounts reported. For example, increasing the assumed health care cost trend rates by one percentage point in each year would increase the accumulated postretirement benefit obligation for the medical plan as of December 31, 1999 by $1,217,000 and the aggregate of the service and interest cost components of net periodic postretirement benefit cost for 1999 by $235,000. Decreasing the assumed health care cost trend rates by one percentage point in each year would increase the accumulated postretirement benefit obligation for the medical



Asset Portfolio Manager   			85


5. Employee Benefit Plans (continued)

plan as of December 31, 1999 by $(981,000) and the aggregate of the service and interest cost components of net periodic postretirement benefit cost for 1999 by $(185,000).

The weighted-average discount rate used in determining the accumulated postretirement benefit obligation was 8.00% at December 31, 1999, 6.75% at December 31, 1998 and 7.50% at December 31, 1997.

Effective January 1, 2000, the Postretirement Benefit Plan was amended, causing the Company's current year projected benefit obligation to decrease.

401(k) Plan

The Security Life of Denver Insurance Company Savings Incentive Plan (the Savings Plan) is a defined contribution plan which is available to substantially all home office employees. Participants may make contributions to the plan through salary reductions up to a maximum of $10,000 for both 1999 and 1998, and $9,500 for 1997. Such contributions are not currently taxable to the participants. The Company matches 100% of the first 3% of participants' contributions, plus 50% of contributions which exceed 3% of participants' compensation, subject to a maximum matching percentage of 4½% of the individual's salary. Company matching contributions were $1,423,000 for 1999, $1,343,000 for 1998, and $1,211,000 for 1997.

Plan assets of the Savings Plan at December 31, 1999 are invested in a group deposit administration contract (the Contract) with the Company, various stock funds maintained by the Principal Financial Group, and loans to participants. The Contract is a policyholder liability of the Company and had a balance of $28.7 million and $27.8 million at December 31, 1999 and 1998, respectively. Effective January 1, 2000, the Plan was merged into the ING Savings Plan, a defined contribution plan sponsored by the Company's parent.

6. Separate Accounts

Separate account assets and liabilities represent funds segregated by the Company for the benefit of certain policy and contract holders who bear the investment risk. Revenues and expenses on the separate account assets and related liabilities equal the benefits paid to the separate account policy and contract holders, and are excluded from the amounts reported in the consolidated statements of income except for benefits paid in excess of policyholder account values and fees charged for surrender, administration services and mortality risk.



Asset Portfolio Manager   			86


7. Leases

In 1997, the Company terminated a significant operating lease agreement relating to electronic data processing equipment due to outsourcing of computer operations. The Company incurred $4,819,000 in lease expense in 1997 related to that agreement prior to termination. The Company does not have any other significant lease obligations. Total rental expense for all equipment leases was approximately $0 for the years ended December 31, 1999 and 1998, and $4,993,000 for the year ended December 31, 1997.

8. Reinsurance

The Company is involved in both ceded and assumed reinsurance with other companies for the purpose of diversifying risk and limiting exposure on larger risks. As of December 31, 1999, the Company's retention limit for acceptance of risk on life insurance policies had been set at various levels up to $3,000,000. Reinsurance premiums, commissions, and expense reimbursements related to reinsured business are accounted for on bases consistent with those used in accounting for the original policies issued and the terms of the reinsurance contracts. Reserves are based on the terms of the reinsurance contracts, and are consistent with the risks assumed.

To the extent that the assuming companies become unable to meet their obligations under these treaties, the Company remains contingently liable to its policyholders for the portion retroceded. Consequently, allowances are established for amounts deemed uncollectible. To minimize its exposure to significant losses from retrocessionaire insolvencies, the Company evaluates the financial condition of the retrocessionaire and monitors concentrations of credit risk. The use of reinsurance pools with more than 30 retrocessionaires from 10 different countries also minimizes the Company's exposure to significant losses from retrocessionaire insolvencies.

The Company assumes and cedes, on a coinsurance basis, guaranteed investment contracts (GICs) to and from affiliates under common ownership. As of December 31, 1999, $3.3 billion of an affiliate's invested assets were held in trust pursuant to these agreements.



Asset Portfolio Manager   			87


8. Reinsurance (continued)

These GIC transactions are summarized as follows (in thousands):

1999
1998
Deposits
Policy Liabilities
Deposits
Policy Liabilities
Direct (nonaffiliated) $1,805,434 $3,787,729 $2,773,952 $3,112,460
Assumed from affiliate:
     Life Insurance Company of Georgia -
97,490
-
97,552
1,805,434 3,885,219 2,773,952 3,210,012
Ceded to affiliates:
     Columbine Life Insurance Company (129,768) - (2,547,743) (2,696,409)
     Life Insurance Company of Georgia (683,100) (663,325) (225,083) (512,477)
First Columbine Life Insurance Company (650,300)
(2,888,079)
(1,126)
(1,126)
Net $342,266

$ 333,815

$-

$-

Ceded GIC policy liabilities totaling $3,551 and $3,210 million as of December 31, 1999 and 1998, respectively, are classified as part of prepaid reinsurance premiums.

During 1999 and 1998, the Company had ceded blocks of insurance under reinsurance treaties to provide funds for financial and other purposes. These reinsurance transactions, generally known as "financial reinsurance," represent financial arrangements and, in accordance with U.S. GAAP, are not reflected in the accompanying financial statements except for the risk fees paid to or received from reinsurers. Financial reinsurance has the effect of increasing current statutory surplus while reducing future statutory surplus as amounts are recaptured from reinsurers. During 1998, the Company entered into a new financial reinsurance contract with an affiliated company.

9. Income Taxes

The Company files a consolidated federal income tax return with its parent and other U.S. affiliates and subsidiaries. The affiliated companies that join in the filing of the consolidated federal income tax return have an agreement for the allocation of taxes between members that join in the consolidated return. The agreement specifies that the separate return payable or the separate return receivable of each member will be the federal income tax payable or receivable that the member would have had for the period had it filed a separate return.



Asset Portfolio Manager   			88


9. Income Taxes (continued)

Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of the Company's deferred tax assets and liabilities are as follows (in thousands):

December 31
1999
1998
Deferred tax liabilities:
     Deferred policy acquisition costs $(344,540) $(272,970)
     Unrealized gains/losses -
(42,556)
Total deferred tax liabilities (344,540) (315,526)
Deferred tax assets:
     Benefit reserves and surplus relief 90,895 102,177
     Tax-basis deferred policy acquisition costs 90,508 83,836
     Investment income 22,201 13,712
     Unrealized gains 55,917 -
     Nonqualified deferred compensation 14,181 14,667
     Postretirement employee benefits 2,542 2,501
     Separate accounts 26,961 18,775
     Other, net 22,656
19,796
Total deferred tax assets 325,861
255,464
Net deferred tax liabilities $ (18,679)

$ (60,062)

The components of federal income tax expense consist of the following (in thousands):

December 31
1999
1998
1997
Current $ 9,399 $24,111 $37,542
Deferred 16,934
9,955
9,477
Federal income tax expense $26,333

$34,066

$47,019

The Company's effective income tax rate did not vary significantly from the statutory federal income tax rate.



Asset Portfolio Manager   			89


9. Income Taxes (continued)

The Company had net income tax payments of $28,723,000 during 1999, $18,283,000 during 1998, and $55,468,000 during 1997 for current income tax payments and settlements of prior year returns.

The Policyholder's Surplus Account is an accumulation of certain special deductions for income tax purposes and a portion of the "gains from operations" which were not subject to current taxation under the Life Insurance Tax Act of 1959. At December 31, 1984, the balance in this account for tax return purposes was approximately $70,800,000. The Tax Reform Act of 1984 provides that no further accumulations will be made in this account. If amounts accumulated in the Policyholder's Surplus Account exceed certain limits, or if distributions to the stockholder exceed amounts in the Stockholder's Surplus Account, to the extent of such excess amount or excess distributions, as determined for income tax purposes, amounts in the Policyholder's Surplus Account would become subject to income tax at rates in effect at that time. Should this occur, the maximum tax which would be paid at the current tax rate is $24,780,000. The Company does not anticipate any such action or foresee any events which would result in such tax; accordingly, a deferred tax liability has not been established.

10. Long-Term Debt

Long-term indebtedness to related parties for $100,000,000 represents the cumulative cash draws on a $100,000,000 commitment from ING America Insurance Holdings, Inc. through December 31, 1999. This subordinated note bears interest at a variable rate equal to the prevailing rate for 10-year U.S. Treasury Bonds plus 1/4% adjusted annually.

The repayment of this note requires approval of the Commissioner of Insurance of the State of Colorado and is payable only out of surplus funds of the Company and only at such time as the surplus of the Company, after payment is made, does not fall below the prescribed level.

The principal and interest is scheduled to be repaid in five annual installments beginning April 15, 2000 and continuing through April 15, 2004, with the option of prepaying any outstanding principal and accrued interest. As of December 31, 1999, the Company accrued interest of $11,098,000. Upon receiving approval from the Commissioner of Insurance of the State of Colorado, the Company made a $5,128,000 payment for accrued interest during 1998. The Company recognized interest expense of $5,711,000, $5,387,000, and $5,096,000 for the years ended December 31, 1999, 1998, and 1997, respectively.



Asset Portfolio Manager   			90


10. Long-Term Debt (continued)

Future minimum payments, assuming a current effective interest rate of 6.65%, are as follows (in thousands):

Year
Total Payments
2000 $ 26,838
2001 26,838
2002 26,838
2003 26,838
2004 26,838
Total 134,190
Less imputed interest   (34,190)
Principal outstanding $100,000

11. Statutory Accounting Information and Practices

Security Life and its insurance subsidiaries prepare their statutory-basis financial statements in accordance with accounting practices prescribed or permitted by their state of domicile. "Prescribed" statutory accounting practices include state laws, regulations and general administrative rules, as well as a variety of publications of the National Association of Insurance Commissioners (NAIC). "Permitted" statutory accounting practices encompass all accounting practices that are not prescribed; such practices may differ from state to state, and from company to company within the state, and may change in the future.

During 1998, the NAIC completed the process of codifying statutory accounting practices ("Codification"). Codification will likely change, to some extent, prescribed statutory accounting practices and may result in changes to the accounting practices that Security Life uses to prepare its statutory-basis financial statements. Codification will require adoption by the various states before it becomes the prescribed statutory basis of accounting for insurance companies domiciled within those states. Accordingly, before Codification becomes effective for Security Life, the State of Colorado must adopt Codification as the prescribed basis of accounting on which domestic insurers must report their statutory-basis results to the Insurance Department. At this time it is anticipated that the State of Colorado will adopt Codification.



Asset Portfolio Manager   			91


11. Statutory Accounting Information and Practices (continued)

Prescribed statutory reserve methodology does not fully encompass universal life-type products. The NAIC, however, has promulgated a Model Regulation regarding Universal Life Reserves. The Colorado Division of Insurance has not adopted the regulation, but requires that reserves be held which are at least as great as those required by Colorado Statutes. The NAIC UL Model Regulation is used by the Company to provide reserves consistent with the principles of this article. Because the reserves satisfy the requirements prescribed by the State of Colorado for the valuation of universal life insurance, the Company is permitted to compute reserves in accordance with this model regulation.

The NAIC prescribes Risk-Based Capital (RBC) requirements for life/health insurance companies. At December 31, 1999, the Company exceeded all minimum RBC requirements.

Combined capital and surplus, determined in accordance with statutory accounting practices (SAP), was $434,983,000 and $386,607,000 at December 31, 1999 and 1998, respectively. Combined net income, determined in accordance with SAP, was $18,635,000, $11,712,000, and $22,261,000 for the years ended December 31, 1999, 1998, and 1997, respectively.

Security Life is required to maintain a minimum total statutory capital and surplus in the state of domicile of $1,500,000. Midwestern United is required to maintain minimum statutory capital of $200,000 and surplus of $250,000 in the state of domicile. First ING is required to maintain minimum statutory capital of $1,000,000 and paid-in surplus of at least 50% of paid-in capital in the state of domicile. Each company exceeded its respective minimum statutory capital and surplus requirements at December 31, 1999. Additionally, the amount of dividends which can be paid by each company to its stockholder without prior approval of the various state insurance departments is generally limited to the greater of 10% of statutory surplus or the statutory net gain from operations.



Asset Portfolio Manager   			92


12. Fair Values of Financial Instruments

In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. In that regard, the derived fair value estimates cannot be substantiated by comparison to independent markets and, in many cases, could not be realized in immediate settlement of the instruments. Accordingly, the aggregate fair value amounts presented do not represent the underlying value of the Company. Life insurance liabilities that contain mortality risk and all nonfinancial instruments are excluded from disclosure requirements. However, the fair values of liabilities under all insurance contracts are taken into consideration in the Company's overall management of interest rate risk, such that the Company's exposure to changing interest rates is minimized through the matching of investment maturities with amounts due under insurance contracts.



Asset Portfolio Manager   			93


12. Fair Values of Financial Instruments (continued)

The carrying amounts and fair values of the Company's financial instruments at December 31, 1999 and 1998 are summarized below (in thousands):

December 31
1999
1998
Carrying Amount
Fair Value
Carrying Amount
Fair Value
Assets
Fixed maturities (Note 2) $3,486,939 $3,486,939 $3,503,530 $3,503,530
Equity securities (Note 2) 7,944 7,944 8,400 8,400
Mortgage loans 1,006,443 975,436 784,108 832,629
Policy loans 961,586 961,586 925,623 925,623
Short-term investments 186,917 186,917 747 747
Cash 48,630 48,630 31,644 31,644
Indebtedness from
     related parties 33,220 33,220 4,339 4,339
Separate account assets 644,975 644,975 423,474 423,474
Liabilities
Supplemental contracts
     without life contingencies 3,778 3,778 3,966 3,966
Other policyholder funds left
     on deposit 431,706 431,706 98,638 98,638
Individual and group
     annuities, net of reinsurance 149,089 152,824 87,096 86,007
Indebtedness to related
     parties 34,231 34,231 13,755 13,755
Long-term debt to related
     parties 100,000 100,000 100,000 100,000
Accrued interest on
     long-term debt to related
     parties 11,098 11,098 5,387 5,387
Separate account liabilities 644,975 644,975 423,474 423,474


Asset Portfolio Manager   			94


12. Fair Values of Financial Instruments (continued)

The carrying values of all other financial instruments approximate their fair values.

The following methods and assumptions were used by the Company in estimating the "fair value" disclosures for financial instruments:

 Fixed Maturities and Equity Securities: The fair values for fixed maturities (including redeemable preferred stocks) are based on quoted market prices, where available. For fixed maturities not actively traded, fair values are estimated using values obtained from independent pricing services or, in the case of private placements and collateralized mortgage obligations and other mortgage derivative investments, are estimated by discounting expected future cash flows. The discount rates used vary as a function of factors such as yield, credit quality and maturity which fall within a range between 4.2% and 22.9% over the total portfolio. The fair values of equity securities are based on quoted market prices.
 
  Mortgage Loans: Estimated market values for commercial real estate loans are generated using a discounted cash flow approach. Loans in good standing are discounted using interest rates determined by U.S. Treasury yields on December 31 and spreads implied by independent published surveys. The same is applied on new loans with similar characteristics. The amortizing features of all loans are incorporated in the valuation. Where data on option features is available, option values are determined using a binomial valuation method, and are incorporated into the mortgage valuation. Restructured loans are valued in the same manner; however, these are discounted at a greater spread to reflect increased risk.
 
 All residential loans are valued at their outstanding principal balances, which approximate their fair values.
 
 Policy Loans: The carrying amounts reported in the balance sheets for these financial instruments approximate their fair values.
 
  Derivative Financial Instruments: Fair values for on-balance-sheet derivative financial instruments (caps and floors) and off-balance-sheet derivative financial instruments (swaps) are based on broker/dealer valuations or on internal discounted cash flow pricing models taking into account current cash flow assumptions and the counterparties' credit standing.


Asset Portfolio Manager   			95


12. Fair Values of Financial Instruments (continued)

 Other Investment-Type Insurance Contracts: The fair values of the Company's deferred annuity contracts are estimated based on the cash surrender value. The carrying values of other liabilities, including immediate annuities, dividend accumulations, supplementary contracts without life contingencies and premium deposits, approximate their fair values.
 
  Off-Balance-Sheet Instruments: The Company accepted additional deposits on existing synthetic guaranteed investment contracts in the amounts of $70,000,000 and $66,480,000 in 1999 and 1998, respectively, from trustees of 401(k) plans. Pursuant to the terms of these contracts, the trustees own and retain the assets related to these contracts. Such contracts had a value of $471,380,000 and $433,689,000 at December 31, 1999 and 1998, respectively. Under synthetic guaranteed investment contracts, the synthetic issuer may assume interest rate risk on individual plan participant initiated withdrawals from stable value options of 401(k) plans. Approximately 90% of the synthetic guaranteed investment contract book values are on a participating basis and have a credited interest rate reset mechanism which passes such interest rate risk to plan participants.
 
  Letters of Credit: The Company is the beneficiary of letters of credit totaling $198,726,000 which have a market value to the Company of $0 and two lines of credit totaling $307,902,000 which have a market value to the Company of $0 (see Note 14).

13. Commitments and Contingencies

The Company is a party to pending or threatened lawsuits arising from the normal conduct of its business. Due to the climate in insurance and business litigation, suits against the Company sometimes include substantial additional claims, consequential damages, punitive damages and other similar types of relief. While it is not possible to forecast the outcome of such litigation, it is the opinion of management that the disposition of such lawsuits will not have a material adverse effect on the Company's financial position or interfere with its operations.



Asset Portfolio Manager   			96


13. Commitments and Contingencies (continued)

The Company has an accrued liability of $38,000,000 at December 31, 1999 related to certain potential litigation similar to that faced by other major life insurers. This litigation relates to sales practices of interest-sensitive policies. The Company is vigorously defending its position in these cases. While it is not possible to forecast the outcome of such litigation, it is the opinion of management that the disposition of such lawsuits will not have a material adverse effect on the Company's financial position or interfere with its operations.

14. Other Financing Arrangements

The Company has a $167,902,000 line of credit issued by the Company's parent to provide short-term liquidity. The Company has an additional non-affiliated line of credit of $140,000,000, also to provide short-term liquidity, which expires July 31, 2000. The amount of funds available under this line is reduced by borrowings of certain affiliates also party to the agreement. The outstanding borrowings under these agreements were $16,200,000 and $0 at December 31, 1999 and 1998, respectively. The weighted-average balance outstanding of short-term debt was $13.1 million during 1999. The weighted-average interest rate paid on this debt during 1999 was 5.20% (see Note 12).

The Company is the beneficiary of letters of credit totaling $198,726,000 that were established in accordance with the terms of reinsurance agreements. Such letters of credit are unconditional and irrevocable, and provide for automatic renewal for the following year at December 31. The letters were unused during both 1999 and 1998.



Asset Portfolio Manager   			97


Financial Statements

Security Life Separate Account L1
of Security Life of Denver
Insurance Company

Years ended December 31, 1999, 1998 and 1997
with Report of Independent Auditors




Asset Portfolio Manager   			98

Security Life Separate Account L1

Financial Statements

Years ended December 31, 1999, 1998 and 1997

Contents

Report of Independent Auditors      100

Audited Financial Statements

Statement of Net Assets      101
Statement of Operations      108
Statement of Changes in Net Assets      128
Notes to Financial Statements      148




Asset Portfolio Manager   			99

Report of Independent Auditors

Policyholders
Security Life Separate Account L1 of
     Security Life of Denver Insurance Company

We have audited the accompanying statement of net assets of Security Life Separate Account L1 of Security Life of Denver Insurance Company (comprising, respectively, the Neuberger Berman Advisers Management Trust (comprising the Limited Maturity Bond, Growth and Partners Divisions) ("NB"), the Alger American Fund (comprising the American Small Capitalization, American MidCap Growth, American Growth and American Leveraged AllCap Divisions) ("Alger"), the Fidelity Variable Insurance Products Fund and Variable Insurance Products Fund II (comprising the Asset Manager, Growth, Overseas, Money Market and Index 500 Divisions) ("Fidelity"), the INVESCO Variable Investment Funds, Inc. (comprising the Total Return, Equity Income, High Yield, Utilities and Small Company Growth Divisions) ("INVESCO"), the Van Eck Worldwide Trust (comprising the Worldwide Hard Assets, Worldwide Bond, Worldwide Emerging Markets and Worldwide Real Estate Divisions) ("Van Eck") and AIM Advisors, Inc. (comprising the Capital Appreciation and Government Securities Divisions) ("AIM")) as of December 31, 1999, and the related statements of operations and changes in net assets for each of the three years in the period then ended. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with auditing standards generally accepted in the United States. Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. Our procedures included confirmation of securities owned as of December 31, 1999, by correspondence with the transfer agents. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of Security Life Separate Account L1 at December 31, 1999, and the results of its operations and changes in its net assets for each of the three years in the period then ended, in conformity with accounting principles generally accepted in the United States.

     /s/ Ernst & Young LLP

April 7, 2000




Asset Portfolio Manager   			100

Security Life Separate Account L1

Statement of Net Assets

December 31, 1999

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Assets
Investments in mutual funds at
     market value (Note C) $520,874,988
$53,597,588
$109,451,239
$294,325,533
$44,538,862
$6,258,525
$12,703,241
Total assets 520,874,988
53,597,588
109,451,239
294,325,533
44,538,862
6,258,525
12,703,241
Liabilities
Due to (from) Security Life of Denver (427,980)
(99,394)
(63,161)
(120,210)
(99,549)
(45,652)
(14)
Total Liabilities (427,980)
(99,394)
(63,161)
(120,210)
(99,549)
(45,652)
(14)
Net assets $521,302,968

$53,696,982

$109,514,400

$294,445,743

$44,638,411

$6,304,177

$12,703,255

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $521,302,968
$53,696,982
$109,514,400
$294,445,743
$44,638,411
$6,304,177
$12,703,255
Total policyholder reserves $521,302,968

$53,696,982

$109,514,400

$294,445,743

$44,638,411

$6,304,177

$12,703,255

See accompanying notes.




Asset Portfolio Manager   			101

Security Life Separate Account L1

Statement of Net Assets (continued)

December 31, 1999

NB
Total
NB

Limited
Maturity Bond

Growth
Partners
Assets
Investments in mutual funds at
     market value (Note C) $53,597,588
$11,200,520
$13,066,321
$29,330,747
Total assets 53,597,588
11,200,520
13,066,321
29,330,747
Liabilities
Due to (from) Security Life of Denver (99,394)
(308)
(9,833)
(89,253)
Total Liabilities (99,394)
(308)
(9,833)
(89,253)
Net assets $53,696,982

$11,200,828

$13,076,154

$29,420,000

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $53,696,982
$11,200,828
$13,076,154
$29,420,000
Total policyholder reserves $53,696,982

$11,200,828

$13,076,154

$29,420,000

Number of divisional units outstanding
     (Note G) 889,159.604

434,338.368

1,212,133.448

Value per divisional unit $12.60

$30.11

$24.27

See accompanying notes.




Asset Portfolio Manager   			102

Security Life Separate Account L1

Statement of Net Assets (continued)

December 31, 1999

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Assets
Investments in mutual funds at
     market value (Note C) $109,451,239
$27,748,150
$17,280,636
$41,361,603
$23,060,850
Total assets 109,451,239
27,748,150
17,280,636
41,361,603
23,060,850
Liabilities
Due to (from) Security Life of Denver (63,161)
(31,605)
(6,851)
(21,895)
(2,810)
Total Liabilities (63,161)
(31,605)
(6,851)
(21,895)
(2,810)
Net assets $109,514,400

$27,779,755

$17,287,487

$41,383,498

$23,063,660

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $109,514,400
$27,779,755
$17,287,487
$41,383,498
$23,063,660
Total policyholder reserves $109,514,400

$27,779,755

$17,287,487

$41,383,498

$23,063,660

Number of divisional units outstanding
     (Note G) 1,055,757.484

576,738.314

1,257,371.637

425,281.099

Value per divisional unit $26.31

$29.97

$32.91

$54.23

See accompanying notes.




Asset Portfolio Manager   			103

Security Life Separate Account L1

Statement of Net Assets (continued)

December 31, 1999

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Assets
Investments in mutual funds at
     market value (Note C) $294,325,533
$13,585,360
$58,152,709
$34,884,083
$34,799,038
$152,904,343
Total assets 294,325,533
13,585,360
58,152,709
34,884,083
34,799,038
152,904,343
Liabilities
Due to (from) Security Life of Denver (120,210)
(5,098)
(5,121)
(100,198)
1,630
(11,423)
Total Liabilities (120,210)
(5,098)
(5,121)
(100,198)
1,630
(11,423)
Net assets $294,445,743

$13,590,458

$58,157,830

$34,984,281

$34,797,408

$152,915,766

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $294,445,743
$13,590,458
$58,157,830
$34,984,281
$34,797,408
$152,915,766
Total policyholder reserves $294,445,743

$13,590,458

$58,157,830

$34,984,281

$34,797,408

$152,915,766

Number of divisional units outstanding
     (Note G) 722,717.906

1,676,236.646

1,716,617.627

2,763,648.297

4,772,484.597

Value per divisional unit $18.80

$34.70

$20.38

$12.59

$32.04

See accompanying notes.




Asset Portfolio Manager   			104

Security Life Separate Account L1

Statement of Net Assets (continued)

December 31, 1999

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Small
Company
Growth

Assets
Investments in mutual funds at
     market value (Note C) $44,538,862
$10,386,525
$16,189,342
$9,419,547
$4,140,713
$4,402,735
Total assets 44,538,862
10,386,525
16,189,342
9,419,547
4,140,713
4,402,735
Liabilities
Due to (from) Security Life of Denver (99,549)
(125)
(31,211)
(1,130)
(602)
(66,481)
Total Liabilities (99,549)
(125)
(31,211)
(1,130)
(602)
(66,481)
Net assets $44,638,411

$10,386,650

$16,220,553

$9,420,677

$4,141,315

$4,469,216

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $44,638,411
$10,386,650
$16,220,553
$9,420,677
$4,141,315
$4,469,216
Total Policyholder reserves $44,638,411

$10,386,650

$16,220,553

$9,420,677

$4,141,315

$4,469,216

Number of divisional units outstanding
     (Note G) 602,187.614

621,047.937

536,863.946

189,409.984

212,503.210

Value per divisional unit $17.25

$26.12

$17.55

$21.86

$21.03

See accompanying notes.




Asset Portfolio Manager   			105

Security Life Separate Account L1

Statement of Net Assets (continued)

December 31, 1999

Van Eck
Total
Van Eck

Worldwide
Hard
Assets

Worldwide
Bond

Worldwide
Emerging
Markets

Worldwide
Real
Estate

Assets
Investments in mutual funds at
     market value (Note C) $6,258,525
$2,305,855
$335,746
$3,067,087
$549,837
Total assets 6,258,525
2,305,855
335,746
3,067,087
549,837
Liabilities
Due to (from) Security Life of Denver (45,652)
(223)
1,543
(46,972)
-
Total Liabilities (45,652)
(223)
1,543
(46,972)
-
Net assets $6,304,177

$2,306,078

$334,203

$3,114,059

$549,837

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $6,304,177
$2,306,078
$334,203
$3,114,059
$549,837
Total Policyholder reserves $6,304,177

$2,306,078

$334,203

$3,114,059

$549,837

Number of divisional units outstanding
     (Note G) 236,972.429

33,114.078

228,819.195

64,967.173

Value per divisional unit $9.73

$10.09

$13.61

$8.46

See accompanying notes.




Asset Portfolio Manager   			106

Security Life Separate Account L1

Statement of Net Assets (continued)

December 31, 1999

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Assets
Investments in mutual funds at
     market value (Note C) $12,703,241
$5,308,909
$7,394,332
Total assets 12,703,241
5,308,909
7,394,332
Liabilities
Due to (from) Security Life of Denver (14)
(13)
(1)
Total Liabilities (14)
(13)
(1)
Net assets $12,703,255

$5,308,922

$7,394,333

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $12,703,255
$5,308,922
$7,394,333
Total Policyholder reserves $12,703,255

$5,308,922

$7,394,333

Number of divisional units outstanding
     (Note G) 323,846.032

715,905.149

Value per divisional unit $16.39

$10.33

See accompanying notes.




Asset Portfolio Manager   			107

Security Life Separate Account L1

Statement of Operations

Year Ended December 31, 1999

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Investment Income
Dividends from mutual funds $18,884,169 $2,123,919 $ 7,325,481 $ 7,908,482 $1,183,695 $ 30,826 $ 311,766
Less valuation period deductions
     (Note B) 2,908,885
371,218
557,411
1,629,301
272,130
27,814
51,011
Net investment income (loss) 15,975,284
1,752,701
6,768,070
6,279,181
911,565
3,012
260,755
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 18,191,446 557,950 5,023,269 11,358,812 1,094,239 73,144 84,032
Net unrealized gains (losses) on
     investments 55,998,041
3,797,732
17,500,945
30,152,442
2,135,798
1,374,192
1,036,932
Net realized and unrealized gains
     (losses) on investments 74,189,487
4,355,682
22,524,214
41,511,254
3,230,037
1,447,336
1,120,964
Net increase (decrease) in net assets
     resulting from operations $90,164,771

$6,108,383

$29,292,284

$47,790,435

$4,141,602

$1,450,348

$1,381,719

See accompanying notes.




Asset Portfolio Manager   			108

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1999

NB
Total
NB

Limited
Maturity Bond

Growth
Partners
Investment Income
Dividends from mutual funds $2,123,919 $911,596 $ 453,085 $ 759,238
Less valuation period deductions
     (Note B) 371,218
108,699
70,308
192,211
Net investment income (loss) 1,752,701
802,897
382,777
567,027
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 557,950 (293,615) 318,964 532,601
Net unrealized gains (losses) on
     investments 3,797,732
(423,477)
3,714,218
506,991
Net realized and unrealized gains
     (losses) on investments 4,355,682
(717,092)
4,033,182
1,039,592
Net increase (decrease) in net assets
     resulting from operations $6,108,383

$ 85,805

$4,415,959

$1,606,619

See accompanying notes.




Asset Portfolio Manager   			109

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1999

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Investment Income
Dividends from mutual funds $ 7,325,481 $2,200,048 $1,636,538 $2,764,203 $ 724,692
Less valuation period deductions
     (Note B) 557,411
141,734
88,955
233,373
93,349
Net investment income (loss) 6,768,070
2,058,314
1,547,583
2,530,830
631,343
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 5,023,269 94,825 322,974 2,007,625 2,597,845
Net unrealized gains (losses) on
     investments 17,500,945
5,993,398
2,015,333
4,584,649
4,907,565
Net realized and unrealized gains
     (losses) on investments 22,524,214
6,088,223
2,338,307
6,592,274
7,505,410
Net increase (decrease) in net assets
     resulting from operations $29,292,284

$8,146,537

$3,885,890

$9,123,104

$8,136,753

See accompanying notes.




Asset Portfolio Manager   			110

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1999

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Investment Income
Dividends from mutual funds $ 7,908,482 $ 798,528 $ 3,508,501 $ 820,014 $1,277,704 $ 1,503,735
Less valuation period deductions
     (Note B) 1,629,301
83,646
308,868
188,207
188,211
860,369
Net investment income (loss) 6,279,181
714,882
3,199,633
631,807
1,089,493
643,366
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 11,358,812 122,474 7,459,882 553,230 - 3,223,226
Net unrealized gains (losses) on
     investments 30,152,442
316,538
3,509,953
8,740,414
-
17,585,537
Net realized and unrealized gains
     (losses) on investments 41,511,254
439,012
10,969,835
9,293,644
-
20,808,763
Net increase (decrease) in net assets
     resulting from operations $47,790,435

$1,153,894

$14,169,468

$9,925,451

$1,089,493

$21,452,129

See accompanying notes.




Asset Portfolio Manager   			111

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1999

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Small Company
Growth

Investment Income
Dividends from mutual funds $1,183,695 $ 276,071 $ 252,055 $618,531 $ 37,038 $ -
Less valuation period deductions
     (Note B) 272,130
71,255
97,430
65,338
23,769
14,338
Net investment income (loss) 911,565
204,816
154,625
553,193
13,269
(14,338)
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 1,094,239 286,623 506,767 (241,611) 304,911 237,549
Net unrealized gains (losses) on
     investments 2,135,798
(923,083)
965,264
379,005
179,598
1,535,014
Net realized and unrealized gains
     (losses) on investments 3,230,037
(636,460)
1,472,031
137,394
484,509
1,772,563
Net increase (decrease) in net assets
     resulting from operations $4,141,602

$(431,644)

$1,626,656

$690,587

$497,778

$1,758,225

See accompanying notes.




Asset Portfolio Manager   			112

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1999

Van Eck
Total
Van Eck

Worldwide
Hard Assets

Worldwide
Bond

Worldwide
Emerging
Markets

Worldwide
Real Estate

Investment Income
Dividends from mutual funds $ 30,826 $ 16,585 $ 12,446 $ - $ 1,795
Less valuation period deductions
     (Note B) 27,814
12,646
2,550
10,886
1,732
Net investment income (loss) 3,012
3,939
9,896
(10,886)
63
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 73,144 (313,009) (25,853) 410,384 1,622
Net unrealized gains (losses) on
     investments 1,374,192
592,123
(9,920)
809,962
(17,973)
Net realized and unrealized gains
     (losses) on investments 1,447,336
279,114
(35,773)
1,220,346
(16,351)
Net increase (decrease) in net assets
     resulting from operations $1,450,348

$283,053

$(25,877)

$1,209,460

$(16,288)

See accompanying notes.




Asset Portfolio Manager   			113

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1999

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Investment Income
Dividends from mutual funds $ 311,766 $ 113,467 $198,299
Less valuation period deductions
     (Note B) 51,011
19,289
31,722
Net investment income (loss) 260,755
94,178
166,577
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 84,032 92,256 (8,224)
Net unrealized gains (losses) on
     investments 1,036,932
1,257,369
(220,437)
Net realized and unrealized gains
     (losses) on investments 1,120,964
1,349,625
(228,661)
Net increase (decrease) in net assets
     resulting from operations $1,381,719

$1,443,803

$(62,084)

See accompanying notes.




Asset Portfolio Manager   			114

Security Life Separate Account L1

Statement of Operations

Year Ended December 31, 1998

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Investment Income
Dividends from mutual funds $17,747,833 $4,273,690 $ 4,617,072 $ 6,943,854 $1,625,860 $ 189,620 $ 97,737
Less valuation period deductions
     (Note B) 1,740,661
291,487
290,412
971,160
162,321
11,393
13,888
Net investment income (loss) 16,007,172
3,982,203
4,326,660
5,972,694
1,463,539
178,227
83,849
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 8,536,274 347,823 1,685,294 6,403,348 355,780 (260,570) 4,599
Net unrealized gains (losses) on
     investments 18,766,977
(2,323,636)
5,825,800
15,230,082
248,681
(368,037)
154,087
Net realized and unrealized gains
     (losses) on investments 27,303,251
(1,975,813)
7,511,094
21,633,430
604,461
(628,607)
158,686
Net increase (decrease) in net
     assets resulting from operations $43,310,423

$2,006,390

$11,837,754

$27,606,124

$2,068,000

$(450,380)

$242,535

See accompanying notes.




Asset Portfolio Manager   			115

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1998

NB
Total
NB

Limited
Maturity Bond

Growth
Government
Income

Partners
Investment Income
Dividends from mutual funds $4,273,690 $409,268 $1,579,109 $136,565 $2,148,748
Less valuation period deductions
     (Note B) 291,487
87,183
52,660
3,213
148,431
Net investment income (loss) 3,982,203
322,085
1,526,449
133,352
2,000,317
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 347,823 10,003 (264,148) (53,894) 655,862
Net unrealized gains (losses) on
     investments (2,323,636)
59,369
(81,576)
(60,954)
(2,240,475)
Net realized and unrealized gains
     (losses) on investments (1,975,813)
69,372
(345,724)
(114,848)
(1,584,613)
Net increase (decrease) in net
     assets resulting from operations $2,006,390

$391,457

$1,180,725

$ 18,504

$ 415,704

See accompanying notes.




Asset Portfolio Manager   			116

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1998

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Investment Income
Dividends from mutual funds $ 4,617,072 $1,681,373 $ 593,045 $2,196,712 $ 145,942
Less valuation period deductions
     (Note B) 290,412
95,588
53,316
113,376
28,132
Net investment income (loss) 4,326,660
1,585,785
539,729
2,083,336
117,810
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 1,685,294 186,963 316,932 915,872 265,527
Net unrealized gains (losses) on
     investments 5,825,800
166,990
1,022,340
3,099,428
1,537,042
Net realized and unrealized gains
     (losses) on investments 7,511,094
353,953
1,339,272
4,015,300
1,802,569
Net increase (decrease) in net
     assets resulting from operations $11,837,754

$1,939,738

$1,879,001

$6,098,636

$1,920,379

See accompanying notes.




Asset Portfolio Manager   			117

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1998

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Investment Income
Dividends from mutual funds $ 6,943,854 $ 808,986 $2,663,618 $1,015,626 $830,137 $ 1,625,487
Less valuation period deductions
     (Note B) 971,160
63,669
183,002
129,504
116,932
478,053
Net investment income (loss) 5,972,694
745,317
2,480,616
886,122
713,205
1,147,434
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 6,403,348 20,247 1,534,000 298,379 - 4,550,722
Net unrealized gains (losses) on
     investments 15,230,082
315,702
4,444,805
707,398
-
9,762,177
Net realized and unrealized gains
     (losses) on investments 21,633,430
335,949
5,978,805
1,005,777
-
14,312,899
Net increase (decrease) in net
     assets resulting from operations $27,606,124

$1,081,266

$8,459,421

$1,891,899

$713,205

$15,460,333

See accompanying notes.




Asset Portfolio Manager   			118

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1998

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Small Company
Growth

Investment Income
Dividends from mutual funds $1,625,860 $312,534 $ 514,174 $769,805 $ 29,058 $ 289
Less valuation period deductions
     (Note B) 162,321
40,898
60,678
49,140
10,730
875
Net investment income (loss) 1,463,539
271,636
453,496
720,665
18,328
(586)
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 355,780 136,473 342,342 (151,382) 35,245 (6,898)
Net unrealized gains (losses) on
     investments 248,681
73,689
359,519
(541,125)
282,500
74,098
Net realized and unrealized gains
     (losses) on investments 604,461
210,162
701,861
(692,507)
317,745
67,200
Net increase (decrease) in net
     assets resulting from operations $2,068,000

$481,798

$1,155,357

$ 28,158

$336,073

$66,614

See accompanying notes.




Asset Portfolio Manager   			119

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1998

Van Eck
Total
Van Eck

Worldwide
Balanced

Worldwide
Hard
Assets

Worldwide
Bond

Worldwide
Emerging
Markets

Worldwide
Real
Estate

Investment Income
Dividends from mutual funds $ 189,620 $45,674 $ 143,946 $ - $ - $ -
Less valuation period deductions
     (Note B) 11,393
1,050
8,170
212
1,736
225
Net investment income (loss) 178,227
44,624
135,776
(212)
(1,736)
(225)
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments (260,570) 4,682 (162,110) 130 (101,436) (1,836)
Net unrealized gains (losses) on
     investments (368,037)
(23,403)
(395,698)
3,953
47,140
(29)
Net realized and unrealized gains
     (losses) on investments (628,607)
(18,721)
(557,808)
4,083
(54,296)
(1,865)
Net increase (decrease) in net
     assets resulting from operations $(450,380)

$25,903

$(422,032)

$3,871

$(56,032)

$(2,090)

See accompanying notes.




Asset Portfolio Manager   			120

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1998

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Investment Income
Dividends from mutual funds $ 97,737 $ 27,109 $ 70,628
Less valuation period deductions
     (Note B) 13,888
3,056
10,832
Net investment income (loss) 83,849
24,053
59,796
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 4,599 (3,315) 7,914
Net unrealized gains (losses) on
     investments 154,087
119,225
34,862
Net realized and unrealized gains
     (losses) on investments 158,686
115,910
42,776
Net increase (decrease) in net
     assets resulting from operations $242,535

$139,963

$102,572

See accompanying notes.




Asset Portfolio Manager   			121

Security Life Separate Account L1

Statement of Operations

Year Ended December 31, 1997

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Investment Income
Dividends from mutual funds $ 4,158,702 $ 678,740 $ 323,895 $2,094,346 $1,039,818 $21,903
Less valuation period deductions
     (Note B) 813,630
135,310
141,930
461,022
67,625
7,743
Net investment income (loss) 3,345,072
543,430
181,965
1,633,324
972,193
14,160
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 3,199,375 406,286 894,818 1,320,426 523,956 53,889
Net unrealized gains (losses) on
     investments 10,643,150
2,273,595
1,647,989
6,476,412
298,662
(53,508)
Net realized and unrealized gains
     (losses) on investments 13,842,525
2,679,881
2,542,807
7,796,838
822,618
381
Net increase (decrease) in net
     assets resulting from operations $17,187,597

$3,223,311

$2,724,772

$9,430,162

$1,794,811

$14,541

See accompanying notes.




Asset Portfolio Manager   			122

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1997

NB
Total
NB

Limited
Maturity Bond

Growth
Government
Income

Partners
Investment Income
Dividends from mutual funds $ 678,740 $156,667 $183,497 $ 72,086 $ 266,490
Less valuation period deductions
     (Note B) 135,310
33,725
24,959
10,366
66,260
Net investment income (loss) 543,430
122,942
158,538
61,720
200,230
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 406,286 (20,056) 14,997 25,762 385,583
Net unrealized gains (losses) on
     investments 2,273,595
159,151
533,906
26,882
1,553,656
Net realized and unrealized gains
     (losses) on investments 2,679,881
139,095
548,903
52,644
1,939,239
Net increase (decrease) in net
     assets resulting from operations $3,223,311

$262,037

$707,441

$114,364

$2,139,469

See accompanying notes.




Asset Portfolio Manager   			123

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1997

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Investment Income
Dividends from mutual funds $ 323,895 $218,789 $ 55,945 $ 49,161 $ -
Less valuation period deductions
     (Note B) 141,930
51,004
28,138
48,785
14,003
Net investment income (loss) 181,965
167,785
27,807
376
(14,003)
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 894,818 114,651 228,363 237,727 314,077
Net unrealized gains (losses) on
     investments 1,647,989
483,518
246,489
970,056
(52,074)
Net realized and unrealized gains
     (losses) on investments 2,542,807
598,169
474,852
1,207,783
262,003
Net increase (decrease) in net
     assets resulting from operations $2,724,772

$765,954

$502,659

$1,208,159

$248,000

See accompanying notes.




Asset Portfolio Manager   			124

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1997

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Investment Income
Dividends from mutual funds $2,094,346 $204,696 $ 274,868 $451,874 $764,538 $ 398,370
Less valuation period deductions
     (Note B) 461,022
27,097
91,298
60,714
107,253
174,660
Net investment income (loss) 1,633,324
177,599
183,570
391,160
657,285
223,710
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 1,320,426 33,000 662,436 332,544 - 292,446
Net unrealized gains (losses) on
     investments 6,476,412
350,408
1,347,793
(305,456)
-
5,083,667
Net realized and unrealized gains
     (losses) on investments 7,796,838
383,408
2,010,229
27,088
-
5,376,113
Net increase (decrease) in net
     assets resulting from operations $9,430,162

$561,007

$2,193,799

$418,248

$657,285

$5,599,823

See accompanying notes.




Asset Portfolio Manager   			125

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1997

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Investment Income
Dividends from mutual funds $1,039,818 $ 76,461 $417,376 $519,369 $ 26,612
Less valuation period deductions
     (Note B) 67,625
12,921
27,525
23,478
3,701
Net investment income (loss) 972,193
63,540
389,851
495,891
22,911
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 523,956 46,241 116,951 269,799 90,965
Net unrealized gains (losses) on
     investments 298,662
203,429
324,767
(253,231)
23,697
Net realized and unrealized gains
     (losses) on investments 822,618
249,670
441,718
16,568
114,662
Net increase (decrease) in net
     assets resulting from operations $1,794,811

$313,210

$831,569

$512,459

$137,573

See accompanying notes.




Asset Portfolio Manager   			126

Security Life Separate Account L1

Statement of Operations (continued)

Year Ended December 31, 1997

Van Eck
Total
Van Eck

Worldwide
Balanced

Worldwide
Hard Assets

Investment Income
Dividends from mutual funds $21,903 $ 9,006 $ 12,897
Less valuation period deductions

     (Note B)

7,743
3,329
4,414
Net investment income (loss) 14,160
5,677
8,483
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on

     investments

53,889 37,785 16,104
Net unrealized gains (losses) on

     investments

(53,508)
4,122
(57,630)
Net realized and unrealized gains

     (losses) on investments

381
41,907
(41,526)
Net increase (decrease) in net
     assets resulting from operations $14,541

$47,584

$(33,043)

See accompanying notes.




Asset Portfolio Manager   			127

Security Life Separate Account L1

Statement of Changes in Net Assets

Year Ended December 31, 1999

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Increase (decrease) in net Assets
Operations
Net investment income (loss) $ 15,975,284 $ 1,752,701 $ 6,768,070 $ 6,279,181 $ 911,565 $ 3,012 $ 260,755
Net realized gains (losses) on
     investments 18,191,446 557,950 5,023,269 11,358,812 1,094,239 73,144 84,032
Net unrealized gains (losses) on
     investments 55,998,041
3,797,732
17,500,945
30,152,442
2,135,798
1,374,192
1,036,932
Increase in net assets from
     operations 90,164,771
6,108,383
29,292,284
47,790,435
4,141,602
1,450,348
1,381,719
Changes from principal
     transactions
Net premiums 162,042,407 9,691,552 19,246,531 115,810,413 12,770,723 1,311,620 3,211,568
Cost of insurance and
     administrative charges (20,649,015) (2,172,531) (3,837,369) (11,622,709) (2,460,819) (173,456) (382,131)
Benefit payments (542,037) - - (542,037) - - -
Surrenders (15,066,657) (1,529,928) (3,447,763) (7,887,081) (1,567,128) (33,331) (601,426)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 91,435 (5,513,893) 13,797,533 (17,535,989) 2,140,348 1,919,235 5,284,201
Other 231,958
45,648
34,663
146,782
(17,068)
12,762
9,171
Increase from principal
     transactions 126,108,091
520,848
25,793,595
78,369,379
10,866,056
3,036,830
7,521,383
Total increase in net assets 216,272,862 6,629,231 55,085,879 126,159,814 15,007,658 4,487,178 8,903,102
Net assets at beginning of year 305,030,106
47,067,751
54,428,521
168,285,929
29,630,753
1,816,999
3,800,153
Net assets at end of year $521,302,968

$53,696,982

$109,514,400

$294,445,743

$44,638,411

$6,304,177

$12,703,255

See accompanying notes.




Asset Portfolio Manager   			128

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1999

NB
Total
NB

Limited
Maturity Bond

Growth
Partners
Increase in net assets
Operations
Net investment income (loss) $ 1,752,701 $ 802,897 $ 382,777 $ 567,027
Net realized gains (losses) on
     investments 557,950 (293,615) 318,964 532,601
Net unrealized gains (losses) on
     investments 3,797,732
(423,477)
3,714,218
506,991
Increase in net assets from
     operations 6,108,383
85,805
4,415,959
1,606,619
Changes from principal
     transactions
Net premiums 9,691,552 2,691,658 1,968,259 5,031,635
Cost of insurance and
     administrative charges (2,172,531) (532,487) (382,030) (1,258,014)
Benefit payments
Surrenders (1,529,928) (1,033,731) (175,255) (320,942)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (5,513,893) (5,610,959) (1,798,195) 1,895,261
Other 45,648
22,193
21,256
2,199
Increase from principal
     transactions 520,848
(4,463,326)
(365,965)
5,350,139
Total increase in net assets 6,629,231 (4,377,521) 4,049,994 6,956,758
Net assets at beginning of year 47,067,751
15,578,349
9,026,160
22,463,242
Net assets at end of year $53,696,982

$11,200,828

$13,076,154

$29,420,000

See accompanying notes.




Asset Portfolio Manager   			129

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1999

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Increase (decrease) in net assets
 
Operations
Net investment income (loss) $ 6,768,070 $ 2,058,314 $ 1,547,583 $ 2,530,830 $ 631,343
Net realized gains (losses) on
     investments 5,023,269 94,825 322,974 2,007,625 2,597,845
Net unrealized gains (losses) on
     investments 17,500,945
5,993,398
2,015,333
4,584,649
4,907,565
Increase in net assets from
     operations 29,292,284
8,146,537
3,885,890
9,123,104
8,136,753
Changes from principal
     transactions
Net premiums 19,246,531 4,618,903 3,508,936 7,654,291 3,464,401
Cost of insurance and
     administrative charges (3,837,369) (957,053) (661,896) (1,597,077) (621,343)
Benefit payments
Surrenders (3,447,763) (986,740) (286,174) (1,594,894) (579,955)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 13,797,533 1,461,610 1,637,697 4,904,801 5,793,425
Other 34,663
(6,873)
(17,173)
(10,341)
69,050
Increase from principal
     transactions 25,793,595
4,129,847
4,181,390
9,356,780
8,125,578
Total increase in net assets 55,085,879 12,276,384 8,067,280 18,479,884 16,262,331
Net assets at beginning of year 54,428,521
15,503,371
9,220,207
22,903,614
6,801,329
Net assets at end of year $109,514,400

$27,779,755

$17,287,487

$41,383,498

$23,063,660

See accompanying notes.




Asset Portfolio Manager   			130

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1999

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Increase (decrease) in net assets
Operations
Net investment income (loss) $ 6,279,181 $ 714,882 $ 3,199,633 $ 631,807 $ 1,089,493 $ 643,366
Net realized gains (losses) on
     investments 11,358,812 122,474 7,459,882 553,230 - 3,223,226
Net unrealized gains (losses) on
     investments 30,152,442
316,538
3,509,953
8,740,414
-
17,585,537
Increase in net assets from
     operations 47,790,435
1,153,894
14,169,468
9,925,451
1,089,493
21,452,129
Changes from principal
     transactions
Net premiums 115,810,413 3,791,052 9,969,268 5,963,624 62,143,060 33,943,409
Cost of insurance and
     administrative charges (11,622,709) (604,489) (1,912,531) (1,071,163) (2,273,369) (5,761,157)
Benefit payments (542,037) - - - (542,037) -
Surrenders (7,887,081) (641,428) (1,308,922) (1,227,419) (1,281,819) (3,427,493)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (17,535,989) (349,280) 4,285,808 788,107 (42,741,942) 20,481,318
Other 146,782
3,430
54,597
23,794
(8,230)
73,191
Increase from principal
     transactions 78,369,379
2,199,285
11,088,220
4,476,943
15,295,663
45,309,268
Total increase in net assets 126,159,814 3,353,179 25,257,688 14,402,394 16,385,156 66,761,397
Net assets at beginning of year 168,285,929
10,237,279
32,900,142
20,581,887
18,412,252
86,154,369
Net assets at end of year $294,445,743

$13,590,458

$58,157,830

$34,984,281

$34,797,408

$152,915,766

See accompanying notes.




Asset Portfolio Manager   			131

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1999

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Small Company
Growth

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 911,565 $ 204,816 $ 154,625 $ 553,193 $ 13,269 $ (14,338)
Net realized gains (losses) on
     investments 1,094,239 286,623 506,767 (241,611) 304,911 237,549
Net unrealized gains (losses) on
     investments 2,135,798
(923,083)
965,264
379,005
179,598
1,535,014
Increase (decrease) in net assets from
     operations 4,141,602
(431,644)
1,626,656
690,587
497,778
1,758,225
Changes from principal
     transactions
Net premiums 12,770,723 4,580,034 4,374,844 1,987,501 1,127,118 701,226
Cost of insurance and
     administrative charges (2,460,819) (764,047) (922,117) (471,532) (198,877) (104,246)
Benefit payments
Surrenders (1,567,128) (239,246) (333,959) (155,182) (820,016) (18,725)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 2,140,348 (854,496) 643,961 (518,177) 1,491,088 1,377,972
Other (17,068)
(9,279)
(21,837)
4,698
3,264
6,086
Increase from principal
     transactions 10,866,056
2,712,966
3,740,892
847,308
1,602,577
1,962,313
Total increase in net assets 15,007,658 2,281,322 5,367,548 1,537,895 2,100,355 3,720,538
Net assets at beginning of year 29,630,753
8,105,328
10,853,005
7,882,782
2,040,960
748,678
Net assets at end of year $44,638,411

$10,386,650

$16,220,553

$9,420,677

$4,141,315

$4,469,216

See accompanying notes.




Asset Portfolio Manager   			132

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1999

Van Eck


Total
Van Eck

Worldwide
Hard
Assets

Worldwide
Bond

Worldwide
Emerging
Markets

Worldwide
Real
Estate

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 3,012 $ 3,939 $ 9,896 $ (10,886) $ 63
Net realized gains (losses) on
     investments 73,144 (313,009) (25,853) 410,384 1,622
Net unrealized gains (losses) on
     investments 1,374,192
592,123
(9,920)
809,962
(17,973)
Increase (decrease) in net assets from
     operations 1,450,348
283,053
(25,877)
1,209,460
(16,288)
Changes from principal
     transactions
Net premiums 1,311,620 441,045 253,322 416,537 200,716
Cost of insurance and
     administrative charges (173,456) (86,064) (17,509) (56,532) (13,351)
Benefit payments
Surrenders (33,331) (23,325) - (5,545) (4,461)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 1,919,235 602,367 (80,721) 1,091,100 306,489
Other 12,762
15,247
(819)
(2,117)
451
Increase from principal
     transactions 3,036,830
949,270
154,273
1,443,443
489,844
Total increase in net assets 4,487,178 1,232,323 128,396 2,652,903 473,556
Net assets at beginning of year 1,816,999
1,073,755
205,807
461,156
76,281
Net assets at end of year $6,304,177

$2,306,078

$334,203

$3,114,059

$549,837

See accompanying notes.




Asset Portfolio Manager   			133

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1999

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 260,755 $ 94,178 $ 166,577
Net realized gains (losses) on
     investments 84,032 92,256 (8,224)
Net unrealized gains (losses) on
     investments 1,036,932
1,257,369
(220,437)
Increase (decrease) in net assets from
     operations 1,381,719
1,443,803
(62,084)
Changes from principal
     transactions
Net premiums 3,211,568 1,497,094 1,714,474
Cost of insurance and
     administrative charges (382,131) (216,619) (165,512)
Benefit payments
Surrenders (601,426) (18,584) (582,842)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 5,284,201 1,391,719 3,892,482
Other 9,171
7,073
2,098
Increase from principal
     transactions 7,521,383
2,660,683
4,860,700
Total increase in net assets 8,903,102 4,104,486 4,798,616
Net assets at beginning of year 3,800,153
1,204,436
2,595,717
Net assets at end of year $12,703,255

$5,308,922

$7,394,333

See accompanying notes.




Asset Portfolio Manager   			134

Security Life Separate Account L1

Statement of Changes in Net Assets

Year Ended December 31, 1998

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 16,007,172 $ 3,982,203 $ 4,326,660 $ 5,972,694 $ 1,463,539 $ 178,227 $ 83,849
Net realized gains (losses) on
     investments 8,536,274 347,823 1,685,294 6,403,348 355,780 (260,570) 4,599
Net unrealized gains (losses) on
     investments 18,766,977
(2,323,636)
5,825,800
15,230,082
248,681
(368,037)
154,087
Increase (decrease) in net assets
     from operations 43,310,423
2,006,390
11,837,754
27,606,124
2,068,000
(450,380)
242,535
Changes from principal
     transactions
Net premiums 128,820,440 12,563,792 13,089,164 92,335,231 8,092,294 875,501 1,864,458
Cost of insurance and
     administrative charges (14,458,798) (2,063,802) (2,525,683) (8,200,381) (1,481,570) (108,634) (78,728)
Benefit payments (306,862) (11,220) (26,492) (259,989) (9,161) - -
Surrenders (10,842,736) (725,767) (859,454) (8,654,377) (586,533) (15,198) (1,407)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (3,936,799) 8,461,193 4,831,250 (25,231,056) 6,011,967 216,552 1,773,295
Other (41,582)
(87,331)
(18,626)
54,208
9,107
1,060
-
Increase (decrease) from principal
     transactions 99,233,663
18,136,865
14,490,159
50,043,636
12,036,104
969,281
3,557,618
Total increase (decrease) in net assets 142,544,086 20,143,255 26,327,913 77,649,760 14,104,104 518,901 3,800,153
Net assets at beginning of year 162,486,020
26,924,496
28,100,608
90,636,169
15,526,649
1,298,098
-
Net assets at end of year $305,030,106

$47,067,751

$54,428,521

$168,285,929

$29,630,753

$1,816,999

$3,800,153

See accompanying notes.




Asset Portfolio Manager   			135

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1998

NB
Total
NB

Limited
Maturity Bond

Growth
Government
Income

Partners
Increase (decrease) in net assets
Operations
Net investment income (loss) $ 3,982,203 $ 322,085 $1,526,449 $133,352 $ 2,000,317
Net realized gains (losses) on
     investments 347,823 10,003 (264,148) (53,894) 655,862
Net unrealized gains (losses) on
     investments (2,323,636)
59,369
(81,576)
(60,954)
(2,240,475)
Increase (decrease) in net assets
     from operations 2,006,390
391,457
1,180,725
18,504
415,704
Changes from principal
     transactions
Net premiums 12,563,792 3,839,599 2,578,265 31,593 6,114,335
Cost of insurance and
     administrative charges (2,063,802) (492,782) (393,894) (14,839) (1,162,287)
Benefit payments (11,220) - - - (11,220)
Surrenders (725,767) (15,922) (419,497) (3,243) (287,105)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 8,461,193 5,212,588 513,663 (894,126) 3,629,068
Other (87,331)
(31,757)
3,226
(31,566)
(27,234)
Increase (decrease) from principal
     transactions 18,136,865
8,511,726
2,281,763
(912,181)
8,255,557
Total increase (decrease) in net assets 20,143,255 8,903,183 3,462,488 (893,677) 8,671,261
Net assets at beginning of year 26,924,496
6,675,166
5,563,672
893,677
13,791,981
Net assets at end of year $47,067,751

$15,578,349

$9,026,160

$ -

$22,463,242

See accompanying notes.




Asset Portfolio Manager   			136

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1998

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 4,326,660 $ 1,585,785 $ 539,729 $ 2,083,336 $ 117,810
Net realized gains (losses) on
     investments 1,685,294 186,963 316,932 915,872 265,527
Net unrealized gains (losses) on
     investments 5,825,800
166,990
1,022,340
3,099,428
1,537,042
Increase (decrease) in net assets
     from operations 11,837,754
1,939,738
1,879,001
6,098,636
1,920,379
Changes from principal
     transactions
Net premiums 13,089,164 4,154,774 2,573,424 5,298,963 1,062,003
Cost of insurance and
     administrative charges (2,525,683) (803,988) (473,224) (989,260) (259,211)
Benefit payments (26,492) (14,248) (12,244) - -
Surrenders (859,454) (196,345) (376,263) (216,867) (69,979)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 4,831,250 (35,168) 528,261 3,094,366 1,243,791
Other (18,626)
(504)
(14,286)
1,597
(5,433)
Increase (decrease) from principal
     transactions 14,490,159
3,104,521
2,225,668
7,188,799
1,971,171
Total increase (decrease) in net assets 26,327,913 5,044,259 4,104,669 13,287,435 3,891,550
Net assets at beginning of year 28,100,608
10,459,112
5,115,538
9,616,179
2,909,779
Net assets at end of year $54,428,521

$15,503,371

$9,220,207

$22,903,614

$6,801,329

See accompanying notes.




Asset Portfolio Manager   			137

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1998

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Increase (decrease) in net assets
Operations
Net investment income (loss) $ 5,972,694 $ 745,317 $ 2,480,616 $ 886,122 $ 713,205 $ 1,147,434
Net realized gains (losses) on
     investments 6,403,348 20,247 1,534,000 298,379 - 4,550,722
Net unrealized gains (losses) on
     investments 15,230,082
315,702
4,444,805
707,398
-
9,762,177
Increase (decrease) in net assets
     from operations 27,606,124
1,081,266
8,459,421
1,891,899
713,205
15,460,333
Changes from principal
     transactions
Net premiums 92,335,231 2,713,832 8,443,426 5,709,711 55,421,815 20,046,447
Cost of insurance and
     administrative charges (8,200,381) (490,838) (1,358,671) (939,010) (1,769,895) (3,641,967)
Benefit payments (259,989) - (8,890) (8,379) (240,733) (1,987)
Surrenders (8,654,377) (652,157) (2,494,098) (438,536) (2,335,262) (2,734,324)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (25,231,056) 1,440,884 1,798,160 2,169,798 (48,429,964) 17,790,066
Other 54,208
7,219
(14,128)
(29,375)
39,827
50,665
Increase (decrease) from principal
     transactions 50,043,636
3,018,940
6,365,799
6,464,209
2,685,788
31,508,900
Total increase (decrease) in net assets 77,649,760 4,100,206 14,825,220 8,356,108 3,398,993 46,969,233
Net assets at beginning of year 90,636,169
6,137,073
18,074,922
12,225,779
15,013,259
39,185,136
Net assets at end of year $168,285,929

$10,237,279

$32,900,142

$20,581,887

$18,412,252

$86,154,369

See accompanying notes.




Asset Portfolio Manager   			138

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1998

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Small
Company
Growth

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 1,463,539 $ 271,636 $ 453,496 $ 720,665 $ 18,328 $ (586)
Net realized gains (losses) on
     investments 355,780 136,473 342,342 (151,382) 35,245 (6,898)
Net unrealized gains (losses) on
     investments 248,681
73,689
359,519
(541,125)
282,500
74,098
Increase (decrease) in net assets
     from operations 2,068,000
481,798
1,155,357
28,158
336,073
66,614
Changes from principal
     transactions
Net premiums 8,092,294 2,104,849 3,170,236 2,297,048 435,105 85,056
Cost of insurance and
     administrative charges (1,481,570) (425,176) (567,563) (389,895) (87,692) (11,244)
Benefit payments (9,161) - (9,161) - - -
Surrenders (586,533) (56,509) (192,220) (329,292) (8,210) (302)
Net transfers among divisions
     (including the loan division and
     Guaranteed interest division in
     the general account) 6,011,967 2,955,200 1,315,595 931,519 201,017 608,636
Other 9,107
556
22,617
(18,840)
4,856
(82)
Increase (decrease) from principal
     transactions 12,036,104
4,578,920
3,739,504
2,490,540
545,076
682,064
Total increase (decrease) in net assets 14,104,104 5,060,718 4,894,861 2,518,698 881,149 748,678
Net assets at beginning of year 15,526,649
3,044,610
5,958,144
5,364,084
1,159,811
-
Net assets at end of year $29,630,753

$8,105,328

$10,853,005

$7,882,782

$2,040,960

$748,678

See accompanying notes.




Asset Portfolio Manager   			139

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1998

Van Eck
Total
Van Eck

Worldwide
Balanced

Worldwide
Hard
Assets

Worldwide
Bonds

Worldwide
Emerging
Markets

Worldwide
Real
Estate

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 178,227 $ 44,624 $ 135,776 $ (212) $ (1,736) $ (225)
Net realized gains (losses) on
     investments (260,570) 4,682 (162,110) 130 (101,436) (1,836)
Net unrealized gains (losses) on
     investments (368,037)
(23,403)
(395,698)
3,953
47,140
(29)
Increase (decrease) in net assets
     from operations (450,380)
25,903
(422,032)
3,871
(56,032)
(2,090)
Changes from principal
     transactions
Net premiums 875,501 (1,347) 571,430 129,336 137,102 38,980
Cost of insurance and
     administrative charges (108,634) (9,423) (86,867) (1,544) (7,777) (3,023)
Benefit payments - - - 0 0 0
Surrenders (15,198) (3,105) (11,871) 0 0 (222)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 216,552 (399,466) 111,286 74,151 387,960 42,621
Other 1,060
90
1,059
(7)
(97)
15
Increase (decrease) from principal
     transactions 969,281
(413,251)
585,037
201,936
517,188
78,371
Total increase (decrease) in net assets 518,901 (387,348) 163,005 205,807 461,156 76,281
Net assets at beginning of year 1,298,098
387,348
910,750
-
-
-
Net assets at end of year $1,816,999

$ -

$1,073,755

$205,807

$461,156

$76,281

See accompanying notes.




Asset Portfolio Manager   			140

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1998

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 83,849 $ 24,053 $ 59,796
Net realized gains (losses) on
     investments 4,599 (3,315) 7,914
Net unrealized gains (losses) on
     investments 154,087
119,225
34,862
Increase (decrease) in net assets
     from operations 242,535
139,963
102,572
Changes from principal
     transactions
Net premiums 1,864,458 329,635 1,534,823
Cost of insurance and
     administrative charges (78,728) (28,940) (49,788)
Benefit payments - - -
Surrenders (1,407) (1,407) -
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 1,773,295 765,185 1,008,110
Other -
-
-
Increase (decrease) from principal
     transactions 3,557,618
1,064,473
2,493,145
Total increase (decrease) in net assets 3,800,153 1,204,436 2,595,717
Net assets at beginning of year -
-
-
Net assets at end of year $3,800,153

$1,204,436

$2,595,717

See accompanying notes.




Asset Portfolio Manager   			141

Security Life Separate Account L1

Statement of Changes in Net Assets

Year Ended December 31, 1997

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 3,345,072 $ 543,430 $ 181,965 $ 1,633,324 $ 972,193 $ 14,160
Net realized gains (losses) on
     investments 3,199,375 406,286 894,818 1,320,426 523,956 53,889
Net unrealized gains (losses) on
     investments 10,643,150
2,273,595
1,647,989
6,476,412
298,662
(53,508)
Increase (decrease) in net assets from
     operations 17,187,597
3,223,311
2,724,772
9,430,162
1,794,811
14,541
Changes from principal
     transactions
Net premiums 104,747,260 5,555,766 6,944,048 89,309,110 2,683,620 254,716
Cost of insurance and
     administrative charges (8,284,944) (957,887) (1,466,664) (5,155,026) (614,145) (91,222)
Benefit payments (406,386) (20,591) (63,369) (322,263) (163) -
Surrenders (1,977,696) (146,698) (412,252) (1,294,484) (112,699) (11,563)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (6,642,529) 8,721,432 9,006,938 (32,708,946) 7,796,299 541,748
Other 5,891
9,817
11,046
(21,999)
11,180
(4,153)
Increase (decrease) from principal
     transactions 87,441,596
13,161,839
14,019,747
49,806,392
9,764,092
689,526
Total increase (decrease) in net assets 104,629,193 16,385,150 16,744,519 59,236,554 11,558,903 704,067
Net assets at beginning of year 57,856,827
10,539,346
11,356,089
31,399,615
3,967,746
594,031
Net assets at end of year $162,486,020

$26,924,496

$28,100,608

$90,636,169

$15,526,649

$1,298,098

See accompanying notes.




Asset Portfolio Manager   			142

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1997

NB
Total
NB

Limited
Maturity Bond

Growth
Government
Income

Partners
Increase (decrease) in net assets
Operations
Net investment income (loss) $ 543,430 $ 122,942 $ 158,538 $ 61,720 $ 200,230
Net realized gains (losses) on
     investments 406,286 (20,056) 14,997 25,762 385,583
Net unrealized gains (losses) on
     investments 2,273,595
159,151
533,906
26,882
1,553,656
Increase (decrease) in net assets from
     operations 3,223,311
262,037
707,441
114,364
2,139,469
Changes from principal
     transactions
Net premiums 5,555,766 1,332,125 1,158,704 324,257 2,740,680
Cost of insurance and
     administrative charges (957,887) (163,472) (219,117) (62,075) (513,223)
Benefit payments (20,591) - - - (20,591)
Surrenders (146,698) (3,761) (71,838) (792) (70,307)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 8,721,432 2,758,363 2,141,068 (1,023,987) 4,845,988
Other 9,817
(2,202)
11,700
(6,404)
6,723
Increase (decrease) from principal
     transactions 13,161,839
3,921,053
3,020,517
(769,001)
6,989,270
Total increase (decrease) in net assets 16,385,150 4,183,090 3,727,958 (654,637) 9,128,739
Net assets at beginning of year 10,539,346
2,492,076
1,835,714
1,548,314
4,663,242
Net assets at end of year $26,924,496

$6,675,166

$5,563,672

$ 893,677

$13,791,981

See accompanying notes.




Asset Portfolio Manager   			143

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1997

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 181,965 $ 167,785 $ 27,807 $ 376 $ (14,003)
Net realized gains (losses) on
     investments 894,818 114,651 228,363 237,727 314,077
Net unrealized gains (losses) on
     investments 1,647,989
483,518
246,489
970,056
(52,074)
Increase (decrease) in net assets from
     operations 2,724,772
765,954
502,659
1,208,159
248,000
Changes from principal
     transactions
Net premiums 6,944,048 2,630,863 1,276,492 2,334,377 702,316
Cost of insurance and
     administrative charges (1,466,664) (526,742) (299,891) (479,902) (160,129)
Benefit payments (63,369) - (62,593) (776) -
Surrenders (412,252) (255,386) (74,317) (58,850) (23,699)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 9,006,938 3,518,384 1,419,061 2,796,911 1,272,582
Other 11,046
(6,069)
19,072
2,082
(4,039)
Increase (decrease) from principal
     transactions 14,019,747
5,361,050
2,277,824
4,593,842
1,787,031
Total increase (decrease) in net assets 16,744,519 6,127,004 2,780,483 5,802,001 2,035,031
Net assets at beginning of year 11,356,089
4,332,108
2,335,055
3,814,178
874,748
Net assets at end of year $28,100,608

$10,459,112

$5,115,538

$9,616,179

$2,909,779

See accompanying notes.




Asset Portfolio Manager   			144

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1997

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Increase (decrease) in net assets
Operations
Net investment income (loss) $ 1,633,324 $ 177,599 $ 183,570 $ 391,160 $ 657,285 $ 223,710
Net realized gains (losses) on
     investments 1,320,426 33,000 662,436 332,544 - 292,446
Net unrealized gains (losses) on
     investments 6,476,412
350,408
1,347,793
(305,456)
-
5,083,667
Increase (decrease) in net assets from
     operations 9,430,162
561,007
2,193,799
418,248
657,285
5,599,823
Changes from principal
     transactions
Net premiums 89,309,110 2,162,759 4,558,270 2,410,373 73,366,740 6,810,968
Cost of insurance and
     administrative charges (5,155,026) (242,289) (813,161) (525,615) (2,213,630) (1,360,331)
Benefit payments (322,263) (20,969) (548) (1,233) (257,371) (42,142)
Surrenders (1,294,484) (92,218) (135,829) (91,869) (870,621) (103,947)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (32,708,946) 2,215,879 5,219,755 5,730,183 (63,929,591) 18,054,828
Other (21,999)
7,567
3,217
10,563
(35,219)
(8,127)
Increase (decrease) from principal
     transactions 49,806,392
4,030,729
8,831,704
7,532,402
6,060,308
23,351,249
Total increase (decrease) in net assets 59,236,554 4,591,736 11,025,503 7,950,650 6,717,593 28,951,072
Net assets at beginning of year 31,399,615
1,545,337
7,049,419
4,275,129
8,295,666
10,234,064
Net assets at end of year $90,636,169

$6,137,073

$18,074,922

$12,225,779

$15,013,259

$39,185,136

See accompanying notes.




Asset Portfolio Manager   			145

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1997

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Increase (decrease) in net assets
Operations
Net investment income (loss) $ 972,193 $ 63,540 $ 389,851 $ 495,891 $ 22,911
Net realized gains (losses) on
     investments 523,956 46,241 116,951 269,799 90,965
Net unrealized gains (losses) on
     investments 298,662
203,429
324,767
(253,231)
23,697
Increase (decrease) in net assets from
     operations 1,794,811
313,210
831,569
512,459
137,573
Changes from principal
     transactions
Net premiums 2,683,620 517,831 1,250,551 835,890 79,348
Cost of insurance and
     administrative charges (614,145) (133,107) (266,208) (177,612) (37,218)
Benefit payments (163) - - (163) -
Surrenders (112,699) (28,672) (37,810) (9,783) (36,434)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 7,796,299 1,498,300 2,804,344 2,695,587 798,068
Other 11,180
2,581
6,081
2,305
213
Increase (decrease) from principal
     transactions 9,764,092
1,856,933
3,756,958
3,346,224
803,977
Total increase (decrease) in net assets 11,558,903 2,170,143 4,588,527 3,858,683 941,550
Net assets at beginning of year 3,967,746
874,467
1,369,617
1,505,401
218,261
Net assets at end of year $15,526,649

$3,044,610

$5,958,144

$5,364,084

$1,159,811

See accompanying notes.




Asset Portfolio Manager   			146

Security Life Separate Account L1

Statement of Changes in Net Assets (continued)

Year Ended December 31, 1997

Van Eck
Total
Van Eck

Worldwide
Balanced

Worldwide
Hard
Assets

Increase (decrease) in net assets
Operations
Net investment income (loss) $ 14,160 $ 5,677 $ 8,483
Net realized gains (losses) on
     investments 53,889 37,785 16,104
Net unrealized gains (losses) on
     investments (53,508)
4,122
(57,630)
Increase (decrease) in net assets from
     operations 14,541
47,584
(33,043)
Changes from principal
     transactions
Net premiums 254,716 65,167 189,549
Cost of insurance and
     administrative charges (91,222) (44,774) (46,448)
Benefit payments - - -
Surrenders (11,563) (7,995) (3,568)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 541,748 (120) 541,868
Other (4,153)
(319)
(3,834)
Increase (decrease) from principal
     transactions 689,526
11,959
677,567
Total increase (decrease) in net assets 704,067 59,543 644,524
Net assets at beginning of year 594,031
327,805
266,226
Net assets at end of year $1,298,098

$387,348

$910,750

See accompanying notes.




Asset Portfolio Manager   			147

Security Life Separate Account L1

Notes to Financial Statements

December 31, 1999

Note A. Organization

Security Life Separate Account L1 (the "Separate Account") was established by resolution of the Board of Directors of Security Life of Denver Insurance Company (the "Company") on November 3, 1993. The Separate Account is organized as a unit investment trust registered with the Securities and Exchange Commission under the Investment Company Act of 1940.

The Separate Account supports the operations of the FirstLine Variable Universal Life, FirstLine II Variable Universal Life, Strategic Advantage Variable Universal Life, Strategic Advantage II Variable Universal Life, and Variable Survivorship Universal Life policies ("Variable Universal Life Policies") offered by the Company. The Separate Account may be used to support other variable life policies as they are offered by the Company. The assets of the Separate Account are the property of the Company. However, the portion of the Separate Account's assets attributable to the policies will not be used to satisfy liabilities arising out of any other operations of the Company.

As of December 31, 1999, the Separate Account offered twenty-three investment divisions available to the policyholders, each of which invests in an independently managed mutual fund portfolio ("Fund"). The Funds are as follows:

Portfolio Managers/Portfolios (Funds)

Neuberger Berman Management Incorporated (NB)
     Neuberger Berman Limited Maturity Bond Portfolio
     Neuberger Berman Growth Portfolio
     Neuberger Berman Partners Portfolio

Fred Alger Management, Inc. (Alger)
     Alger American Small Capitalization Portfolio
     Alger American MidCap Growth Portfolio
     Alger American Growth Portfolio
     Alger American Leveraged AllCap Portfolio

Fidelity Management & Research Company (Fidelity)
     Fidelity Investments VIP II Asset Manager Portfolio
     Fidelity Investments VIP Growth Portfolio
     Fidelity Investments VIP Overseas Portfolio
     Fidelity Investments VIP Money Market Portfolio
     Fidelity Investments VIP II Index 500 Portfolio




Asset Portfolio Manager   			148

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note A. Organization (continued)

INVESCO Funds Group, Inc. (INVESCO)
     INVESCO VIF Total Return Portfolio
     INVESCO VIF Equity Income Portfolio (formerly known as "INVESCO VIF Industrial Income Portfolio")
     INVESCO VIF High Yield Portfolio
     INVESCO VIF Utilities Portfolio
     INVESCO VIF Small Company Growth Portfolio

Van Eck Associates Corporation (Van Eck)
     Van Eck Worldwide Hard Assets Portfolio (formerly known as "Van Eck Gold and Natural Resources Portfolio")
     Van Eck Worldwide Bond Portfolio
     Van Eck Worldwide Emerging Markets Portfolio
     Van Eck Worldwide Real Estate Portfolio

AIM Advisors, Inc. (AIM)
     AIM VI--Capital Appreciation Portfolio
     AIM VI--Government Securities Portfolio

Effective May 1, 1997, the Divisions of the Separate Account investing in the Neuberger Berman Government Income Portfolio and the Van Eck Worldwide Balanced Portfolio stopped accepting new investments. These divisions were discontinued during 1998.

Effective February 19, 1998, six new divisions became available to the policyholders for investment in the following funds:

Van Eck Associates Corporation (Van Eck)
     Van Eck Worldwide Bond Portfolio
     Van Eck Worldwide Emerging Markets Portfolio
     Van Eck Worldwide Real Estate Portfolio

AIM Advisors, Inc. (AIM)
     AIM VI--Capital Appreciation Portfolio
     AIM VI--Government Securities Portfolio

INVESCO Funds Group, Inc. (INVESCO)
     INVESCO VIF Small Company Growth Portfolio




Asset Portfolio Manager   			149

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note A. Organization (continued)

The Variable Universal Life Policies allow the policyholders to specify the allocation of their net premium to the various Funds. They can also transfer their account values among the Funds. The Variable Universal Life Policies also provide the policyholders the option to allocate their net premiums, or to transfer their account values, to a Guaranteed Interest Division ("GID") in the Company's general account. The GID guarantees a rate of interest to the policyholder, and it is not variable in nature. Therefore, it is not included in these Separate Account statements.

Note B. Summary of Significant Accounting Policies

The accompanying financial statements of the Separate Account have been prepared on the basis of accounting principles generally accepted in the United States ("U.S. GAAP"). The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

The significant accounting principles followed by the Separate Account and the methods of applying those principles are presented below or in the footnotes which follow:

Investment Valuation--The investments in shares of the Funds are valued at the closing net asset value (market value) per share as determined by the Funds on the day of measurement.

Investment Transactions and Related Investment Income--The investments in shares of the Funds are accounted for on the date the order to buy or sell is confirmed. Dividend income and distributions of capital gains are recorded on the ex-dividend date. Realized gains and losses from sales transactions are reported using the first-in, first-out ("FIFO") method of accounting for cost. The difference between cost and current market value of investments owned on the day of measurement is recorded as unrealized gain or loss on investment.

Valuation Period Deductions--Charges are made directly against the assets of the Separate Account divisions and are reflected daily in the computation of the unit values of the divisions.




Asset Portfolio Manager   			150

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note B. Summary of Significant Accounting Policies (continued)

A daily deduction, at an annual rate of .75% of the daily asset value of the Separate Account divisions, is charged to the Separate Account for mortality and expense risks assumed by the Company. Total mortality and expense charges for the years ended December 31, 1999, 1998 and 1997 were $2,908,885, $1,740,661, and $813,630, respectively.

Policyholder Reserves--Policyholder reserves are recorded in the Separate Account at the aggregate account values of the policyholders invested in the Separate Account divisions. To the extent that benefits to be paid to the policyholders exceed their account values, the Company will contribute additional funds to the benefit proceeds.




Asset Portfolio Manager   			151

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note C. Investments

Fund shares are purchased at net asset value with net premiums (premium payments, less sales and tax loads charged by the Company) and divisional transfers from other divisions. Fund shares are redeemed for the payment of benefits, for surrenders, for transfers to other divisions, and for charges by the Company for certain cost of insurance and administrative charges. The cost of insurance and administrative charges for the years ended December 31, 1999, 1998 and 1997 were $20,649,015, $14,458,798, and $8,284,944, respectively. Dividends made by the Funds are reinvested in the Funds.

The following is a summary of Fund shares owned as of December 31, 1999:

Fund
Number
of
Shares

Net
Asset
Value

Value
Of Shares
At Market

Cost of
Shares

Neuberger Berman Management Inc.:
     Limited Maturity Bond 845,960.694 $13.24 $ 11,200,520 $ 11,380,242
     Growth 350,585.486 $37.27 13,066,321 8,836,640
     Partners 1,493,418.911 $19.64 29,330,747 28,931,311
Fred Alger Management, Inc.:
     American Small Capitalization 503,139.614 $55.15 27,748,150 21,103,331
     American MidCap Growth 536,166.146 $32.23 17,280,636 13,903,676
     American Growth 642,460.430 $64.38 41,361,603 32,482,027
     American Leveraged AllCap 397,806.619 $57.97 23,060,850 16,645,127
Fidelity Management & Research Co.:
     Asset Manager 727,657.184 $18.67 13,585,360 12,533,037
     Growth 1,058,669.574 $54.93 58,152,709 48,588,495
     Overseas 1,271,285.820 $27.44 34,884,083 25,474,948
     Money Market 34,799,038.450 $1.00 34,799,038 34,799,038
     Index 500 913,352.492 $167.41 152,904,343 119,231,939
INVESCO Funds Group, Inc.:
     Total Return 666,657.538 $15.58 10,386,525 11,019,270
     Equity Income 770,554.123 $21.01 16,189,342 14,534,380
     High Yield 818,379.460 $11.51 9,419,547 9,910,525
     Utilities 197,458.930 $20.97 4,140,713 3,647,584
     Small Company Growth 200,033.388 $22.01 4,402,735 2,793,624
Van Eck Associates Corporation:
     Worldwide Hard Assets 210,388.243 $10.96 2,305,855 2,157,787
     Worldwide Bond 31,407.502 $10.69 335,746 341,712
     Worldwide Emerging Markets 215,083.218 $14.26 3,067,087 2,209,985
     Worldwide Real Estate 60,091.435 $9.15 549,837 567,839
AIM Advisors, Inc.:
     Capital Appreciation 149,210.483 $35.58 5,308,909 3,932,316
     Government Securities 695,609.783 $10.63 7,394,332
7,579,908
Total $520,874,988

$432,604,741




Asset Portfolio Manager   			152

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note C. Investments (continued)

For the year ended December 31, 1999, the cost of purchases (plus reinvested dividends) and sales of investments are as follows:

Fund
Beginning
of Year

Purchases
Sales
End
of Year

Neuberger Berman Management Inc.:
     Limited Maturity Bond $ 15,334,595 $ 6,135,221 $ (10,089,574) $ 11,380,242
     Growth 8,510,696 5,560,097 (5,234,153) 8,836,640
     Partners 22,570,797 9,683,589 (3,323,075) 28,931,311
Fred Alger Management, Inc.:
     American Small Capitalization 14,851,950 14,105,718 (7,854,337) 21,103,331
     American MidCap Growth 7,858,579 7,048,332 (1,003,235) 13,903,676
     American Growth 18,608,688 18,809,746 (4,936,407) 32,482,027
     American Leveraged AllCap 5,293,171 16,455,429 (5,103,473) 16,645,127
Fidelity Management & Research Co.:
     Asset Manager 9,501,494 7,672,857 (4,641,314) 12,533,037
     Growth 26,845,882 67,064,022 (45,321,409) 48,588,495
     Overseas 19,913,166 15,724,213 (10,162,431) 25,474,948
     Money Market 18,412,252 113,113,411 (96,726,625) 34,799,038
     Index 500 70,067,500 54,287,747 (5,123,308) 119,231,939
INVESCO Funds Group, Inc.:
     Total Return 7,814,990 5,666,870 (2,462,590) 11,019,270
     Equity Income 10,163,306 6,427,991 (2,056,917) 14,534,380
     High Yield 8,752,765 4,424,859 (3,267,099) 9,910,525
     Utilities 1,727,429 2,817,915 (897,760) 3,647,584
     Small Company Growth 674,581 2,769,372 (650,329) 2,793,624
Van Eck Associates Corporation:
     Worldwide Hard Assets 1,517,809 2,248,842 (1,608,864) 2,157,787
     Worldwide Bond 201,853 461,651 (321,792) 341,712
     Worldwide Emerging Markets 414,017 5,282,900 (3,486,932) 2,209,985
     Worldwide Real Estate 76,310 592,249 (100,720) 567,839
AIM Advisors, Inc.
     Capital Appreciation 1,085,211 3,341,733 (494,628) 3,932,316
     Government Securities 2,560,855
7,659,984
(2,640,931)
7,579,908
Total $272,757,896

$377,354,748

$(217,507,903)

$432,604,741

Aggregate proceeds from sales of investments for the year ended December 31, 1999 were $235,699,349.




Asset Portfolio Manager   			153

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note D. Other Policy Deductions

The Variable Universal Life policies provide for certain deductions for sales and tax loads from premium payments received from the policyholders and for surrender charges and taxes from amounts paid to policyholders. Such deductions are taken before the purchase of divisional units or after the redemption of divisional units of the Separate Account. Such deductions are not included in the Separate Account financial statements.

Note E. Policy Loans

The Variable Universal Life policies allow the policyholders to borrow against their policies by using them as collateral for a loan. At the time of borrowing against the policies, an amount equal to the loan amount is transferred from the Separate Account divisions to a Loan Division in the Company's General Account to secure the loan. As payments are made on the policy loan, amounts are transferred back from the Loan Division to the Separate Account divisions. Interest is credited to the balance in the Loan Division at a fixed rate. The Loan Division is not variable in nature and is not included in these Separate Account statements.

Note F. Federal Income Taxes

The Separate Account is not taxed separately because the operations of the Separate Account are part of the total operations of the Company. The Company is taxed as a life insurance company under the Internal Revenue Code. The Separate Account is not taxed as a "Regulated Investment Company" under subchapter "M" of the Internal Revenue Code.




Asset Portfolio Manager   			154

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note G. Summary of Changes in Units

The following schedule summarizes the changes in divisional units for the year ended December 31, 1999:

Division
Outstanding
at Beginning
of Year

Increase
for Payments
Received

(Decrease)
for
Withdrawals
and Other
Deductions

Outstanding
at End
of Year

Neuberger Berman Management Inc.:
     Limited Maturity Bond 1,245,559.121 421,349.898 (777,749.415) 889,159.604
     Growth 447,486.376 233,319.969 (246,467.977) 434,338.368
     Partners 986,298.018 385,667.451 (159,832.021) 1,212,133.448
Fred Alger Management, Inc.:
     American Small Capitalization 838,692.418 603,898.891 (386,833.825) 1,055,757.484
     American MidCap Growth 402,532.472 225,361.191 (51,155.349) 576,738.314
     American Growth 923,696.066 585,374.403 (251,698.832) 1,257,371.637
     American Leveraged AllCap 221,642.446 410,084.371 (206,445.718) 425,281.099
Fidelity Management & Research Co.:
     Asset Manager 600,255.213 393,745.577 (271,282.884) 722,717.906
     Growth 1,293,480.338 2,233,512.279 (1,850,755.971) 1,676,236.646
     Overseas 1,429,659.907 963,512.218 (676,554.498) 1,716,617.627
     Money Market 1,526,404.399 9,068,762.545 (7,831,518.647) 2,763,648.297
     Index 500 3,215,990.519 1,840,375.191 (283,881.113) 4,772,484.597
INVESCO Funds Group, Inc.:
     Total Return 450,557.216 300,554.107 (148,923.709) 602,187.614
     Equity Income 473,616.752 252,971.948 (105,540.763) 621,047.937
     High Yield 486,858.648 226,071.484 (176,066.186) 536,863.946
     Utilities 110,379.616 140,069.045 (61,038.677) 189,409.984
     Small Company Growth 67,506.441 210,114.805 (65,118.036) 212,503.210
Van Eck Associates Corporation:
     Worldwide Hard Assets 132,513.824 246,466.322 (142,007.717) 236,972.429
     Worldwide Bond 18,656.317 43,237.412 (28,779.651) 33,114.078
     Worldwide Emerging Markets 67,354.295 582,654.548 (421,189.648) 228,819.195
     Worldwide Real Estate 8,765.232 67,514.147 (11,312.206) 64,967.173
AIM Advisors, Inc.:
     Capital Appreciation 105,457.867 263,795.629 (45,407.464) 323,846.032
     Government Securities 246,150.062 723,064.769 (253,309.682) 715,905.149



Asset Portfolio Manager   			155

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note G. Summary of Changes in Units (continued)

The following schedule summarizes the changes in divisional units for the year ended December 31, 1998:

Division
Outstanding
at Beginning
of Year

Increase
for Payments
Received

(Decrease)
for
Withdrawals
and Other
Deductions

Outstanding
at End
of Year

Neuberger Berman Management Inc.:
     Limited Maturity Bond 552,985.394 801,233.327 (108,659.600) 1,245,559.121
     Growth 316,146.084 250,854.619 (119,514.327) 447,486.376
     Government Income 75,811.559 58.537 (75,870.096) -
     Partners 626,285.721 455,096.290 (95,083.993) 986,298.018
Fred Alger Management, Inc.:
     American Small Capitalization 648,733.740 333,770.247 (143,811.569) 838,692.418
     American MidCap Growth 288,809.482 167,037.228 (53,314.238) 402,532.472
     American Growth 569,990.309 442,313.190 (88,607.433) 923,696.066
     American Leveraged AllCap 148,542.639 102,168.282 (29,068.475) 221,642.446
Fidelity Management & Research Co.:
     Asset Manager 410,906.106 270,972.780 (81,623.673) 600,255.213
     Growth 983,842.388 614,542.294 (304,904.344) 1,293,480.338
     Overseas 950,328.899 861,220.218 (381,889.210) 1,429,659.907
     Money Market 1,303,059.881 5,059,561.984 (4,836,217.466) 1,526,404.399
     Index 500 1,863,056.104 1,617,935.444 (265,001.029) 3,215,990.519
INVESCO Funds Group, Inc.:
     Total Return 184,042.238 307,178.543 (40,663.565) 450,557.216
     Equity Income 297,553.033 216,644.366 (40,580.647) 473,616.752
     High Yield 333,501.857 283,205.205 (129,848.414) 486,858.648
     Utilities 78,118.685 41,701.114 (9,440.183) 110,379.616
     Small Company Growth - 71,535.065 (4,028.624) 67,506.441
Van Eck Associates Corporation:
     Worldwide Balanced 32,139.282 190.627 (32,329.909) -
     Worldwide Hard Assets 77,046.773 68,491.375 (13,024.324) 132,513.824
     Worldwide Bond - 18,882.425 (226.108) 18,656.317
     Worldwide Emerging Markets - 105,064.405 (37,710.110) 67,354.295
     Worldwide Real Estate - 9,848.072 (1,082.840) 8,765.232
AIM Advisors, Inc.:
     Capital Appreciation - 108,895.839 (3,437.972) 105,457.867
     Government Securities - 261,432.015 (15,281.953) 246,150.062



Asset Portfolio Manager   			156

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note G. Summary of Changes in Units (continued)

The following schedule summarizes the changes in divisional units for the year ended December 31, 1997:

Division
Outstanding
at Beginning
of Year

Increase
for Payments
Received

(Decrease)
for
Withdrawals
and Other
Deductions

Outstanding
at End
of Year

Neuberger Berman Management Inc.:
     Limited Maturity Bond 218,725.891 334,572.082 (312.579) 552,985.394
     Growth 133,567.983 187,433.957 (4,855.856) 316,146.084
     Government Income 142,773.403 30,012.660 (96,974.504) 75,811.559
     Partners 275,892.457 354,159.052 (3,765.788) 626,285.721
Fred Alger Management, Inc.:
     American Small Capitalization 297,073.322 368,659.345 (16,998.927) 648,733.740
     American MidCap Growth 150,480.473 143,410.236 (5,081.227) 288,809.482
     American Growth 282,175.287 292,019.948 (4,204.926) 569,990.309
     American Leveraged AllCap 53,044.470 96,743.489 (1,245.320) 148,542.639
Fidelity Management & Research Co.:
     Asset Manager 123,908.168 294,115.342 (7,117.404) 410,906.106
     Growth 470,285.667 522,440.765 (8,884.044) 983,842.388
     Overseas 367,948.109 589,863.772 (7,482.982) 950,328.899
     Money Market 753,707.969 6,017,484.702 (5,468,132.790) 1,303,059.881
     Index 500 640,890.650 1,227,420.261 (5,254.807) 1,863,056.104
INVESCO Funds Group, Inc.:
     Total Return 64,490.483 121,436.060 (1,884.305) 184,042.238
     Equity Income 87,035.356 212,619.908 (2,102.231) 297,553.033
     High Yield 108,999.107 225,144.290 (641.540) 333,501.857
     Utilities 18,008.490 63,007.328 (2,897.133) 78,118.685
Van Eck Associates Corporation:
     Worldwide Balanced 29,808.787 5,838.562 (3,508.067) 32,139.282
     Worldwide Hard Assets 21,966.093 55,323.208 (242.528) 77,046.773



Asset Portfolio Manager   			157

Security Life Separate Account L1

Notes to Financial Statements (continued)

Note H. Net Assets

Net assets at December 31, 1999 consisted of the following:

Division
Principal
Transactions

Accumulated
Investment
Income
(Loss)

Accumulated
Net Realized
Gains
(Losses) on
Investments

Net
Unrealized
Gains
(Losses) on
Investments

Net Assets
Neuberger Berman Management Inc.:
     Limited Maturity Bond $ 10,334,928 $ 1,357,452 $ (311,830) $ (179,722) $ 11,200,828
     Growth 6,662,216 2,132,968 51,289 4,229,681 13,076,154
     Partners 24,515,009 2,799,524 1,706,031 399,436 29,420,000
Fred Alger Management, Inc.:
     American Small Capitalization 16,912,254 3,798,599 424,083 6,644,819 27,779,755
     American MidCap Growth 10,911,311 2,117,608 881,608 3,376,960 17,287,487
     American Growth 24,684,957 4,633,321 3,185,644 8,879,576 41,383,498
     American Leveraged AllCap 12,723,008 733,681 3,191,248 6,415,723 23,063,660
Fidelity Management & Research Co.:
     Asset Manager 10,710,354 1,643,524 184,257 1,052,323 13,590,458
     Growth 32,968,928 5,944,777 9,679,911 9,564,214 58,157,830
     Overseas 22,436,070 1,918,003 1,221,073 9,409,135 34,984,281
     Money Market 32,057,869 2,739,539 - - 34,797,408
     Index 500 108,954,555 2,164,790 8,124,017 33,672,404 152,915,766
INVESCO Funds Group, Inc.:
     Total Return 9,954,690 564,724 499,981 (632,745) 10,386,650
     Equity Income 12,471,276 1,096,169 998,146 1,654,962 16,220,553
     High Yield 8,030,598 1,920,186 (39,129) (490,978) 9,420,677
     Utilities 3,156,961 58,753 432,472 493,129 4,141,315
     Small Company Growth 2,644,377 (14,924) 230,652 1,609,111 4,469,216
Van Eck Associates Corporation:
     Worldwide Hard Assets 2,458,760 148,762 (449,512) 148,068 2,306,078
     Worldwide Bond 356,209 9,684 (25,724) (5,966) 334,203
     Worldwide Emerging Markets 1,960,631 (12,622) 308,948 857,102 3,114,059
     Worldwide Real Estate 568,214 (162) (213) (18,002) 549,837
AIM Advisors, Inc.:
     Capital Appreciation 3,725,157 118,230 88,942 1,376,593 5,308,922
     Government Securities 7,353,846 226,373 (310) (185,576) 7,394,333





Total $366,552,178

$36,098,959

$30,381,584

$88,270,247

$521,302,968




Asset Portfolio Manager   			158

Financial Statements - Unaudited
Security Life Separate Account L1 of Security Life
of Denver Insurance Company
Nine months ended September 30, 2000



Asset Portfolio Manager   			159


Security Life Separate Account L1

Financial Statements - Unaudited

Nine months ended September 30, 2000

Contents

Financial Statements - Unaudited

Statement of Net Assets      161
Statement of Operations      169
Statement of Changes in Net Assets      177
Notes to Financial Statements      185


Asset Portfolio Manager   			160


Security Life Separate Account L1

Statement of Net Assets
(Unaudited)

September 30, 2000

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Total
GCG

Assets
Investments in mutual funds at
     market value (Note C) $688,045,865
$66,230,688
$147,126,587
$349,110,362
$60,767,952
$8,779,229
$19,444,497
$36,586,550
Total Assets 688,045,865

66,230,688

147,126,587

349,110,362

60,767,952

8,779,229

19,444,497

36,586,550

Liabilities
Due to (from) Security Life of Denver (117,755)
(91,253)
254,549
(111,054)
(155,706)
3,926
(18,217)
-
Total Liabilities (117,755)
(91,253)
254,549
(111,054)
(155,706)
3,926
(18,217)
-








Net assets $688,163,620

$66,321,941

$146,872,038

$349,221,416

$60,923,658

$8,775,303

$19,462,714

$36,586,550

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $688,163,620
$66,321,941
$146,872,038
$349,221,416
$60,923,658
$8,775,303
$19,462,714
$36,586,550
Total policyholder reserves $688,163,620

$66,321,941

$146,872,038

$349,221,416

$60,923,658

$8,775,303

$19,462,714

$36,586,550

See accompanying notes.



Asset Portfolio Manager   			161


Security Life Separate Account L1

Statement of Net Assets (continued)
(Unaudited)

September 30, 2000

NB
Total
NB

Limited
Maturity Bond

Growth
Partners
Assets
Investments in mutual funds at
     market value (Note C) $66,230,688
$12,608,731
$22,556,599
$31,065,358
Total Assets 66,230,688

12,608,731

22,556,599

31,065,358

Liabilities
Due to (from) Security Life of Denver (91,253)
(5,213)
(449)
(85,591)
Total Liabilities (91,253)
(5,213)
(449)
(85,591)




Net assets $66,321,941

$12,613,944

$22,557,048

$31,150,949

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $66,321,941
$12,613,944
$22,557,048
$31,150,949
Total policyholder reserves $66,321,941

$12,613,944

$22,557,048

$31,150,949

Number of division units outstanding
     (Note G) 965,289.735

610,086.402

1,285,291.187

Value per divisional unit $13.07

$36.97

$24.24

See accompanying notes.



Asset Portfolio Manager   			162


Security Life Separate Account L1

Statement of Net Assets (continued)
(Unaudited)

September 30, 2000

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Assets
Investments in mutual funds at
     market value (Note C) $147,126,587
$33,625,205
$31,810,086
$52,340,492
$29,350,804
Total Assets 147,126,587

33,625,205

31,810,086

52,340,492

29,350,804

Liabilities
Due to (from) Security Life of Denver 254,549
283,519
2,791
(23,399)
(8,362)
Total Liabilities 254,549
283,519
2,791
(23,399)
(8,362)





Net assets $146,872,038

$33,341,686

$31,807,295

$52,363,891

$29,359,166

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $146,872,038
$33,341,686
$31,807,295
$52,363,891
$29,359,166
Total policyholder reserves $146,872,038

$33,341,686

$31,807,295

$52,363,891

$29,359,166

Number of division units outstanding
     (Note G) 1,415,614.071

877,693.881

1.600,739.347

565,244.776

Value per divisional unit $23.55

$36.24

$32.71

$51.94

See accompanying notes.



Asset Portfolio Manager   			163


Security Life Separate Account L1

Statement of Net Assets (continued)
(Unaudited)

September 30, 2000

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Assets
Investments in mutual funds at
market value (Note C) $349,110,362
$14,918,501
$70,891,008
$42,648,383
$45,550,769
$175,101,701
Total assets 349,110,362

14,918,501

70,891,008

42,648,383

45,550,769

175,101,701

Liabilities
Due to (from) Security Life of Denver (111,054)
(390)
328,751
(133,327)
(269,480)
(36,608)
Total Liabilities (111,054)
(390)
328,751
(133,327)
(269,480)
(36,608)






Net assets $349,221,416

$14,918,891

$70,562,257

$42,781,710

$45,820,249

$175,138,309

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $349,221,416
$14,918,891
$70,562,257
$42,781,710
$45,820,249
$175,138,309
Total policyholder reserves $349,221,416

$14,918,891

$70,562,257

$42,781,710

$45,820,249

$175,138,309

Number of division units outstanding
     (Note G) 798,482.806

2,023,892.370

2,389,901.516

3,477,146.635

5,585,184.696

Value per divisional unit $18.68

$34.86

$17.90

$13.18

$31.36

See accompanying notes.



Asset Portfolio Manager   			164


Security Life Separate Account L1

Statement of Net Assets (continued)
(Unaudited)

September 30, 2000

INVESCO
Total
INVESCO

Total
Return

Equity
Income

High Yield
Utilities
Small
Company
Growth

Assets
Investments in mutual funds at
     market value (Note C) $60,767,952
$11,651,341
$20,376,308
$10,886,781
$6,884,745
$10,968,777
Total assets 60,767,952

11,651,341

20,376,308

10,886,781

6,884,745

10,968,777

Liabilities
Due to (from) Security Life of Denver (155,706)
(4,682)
585
(13,773)
465
(138,301)
Total Liabilities (155,706)
(4,682)
585
(13,773)
465
(138,301)






Net assets $60,923,658

$11,656,023

$20,375,723

$10,900,554

$6,884,280

$11,107,078

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $60,923,658
$11,656,023
$20,375,723
$10,900,554
$6,884,280
$11,107,078
Total policyholder reserves $60,923,658

$11,656,023

$20,375,723

$10,900,554

$6,884,280

$11,107,078

Number of division units outstanding
(Note G) 702,296.464

741,132.432

634,917.174

285,603.093

493,959.678

Value per divisional unit $16.60

$27.49

$17.17

$24.10

$22.49

See accompanying notes.



Asset Portfolio Manager   			165


Security Life Separate Account L1

Statement of Net Assets (continued)
(Unaudited)

September 30, 2000

Van Eck
Total
Van Eck

Worldwide
Hard
Assets

Worldwide
Bond

Worldwide
Emerging
Markets

Worldwide
Real
Estate

Worldwide
Balanced

Assets
Investments in mutual funds at
     market value (Note C) $8,779,229
$2,236,461
$822,576
$4,743,947
$976,245
-
Total assets 8,779,229

2,236,461

822,576

4,743,947

976,245

-

Liabilities
Due to (from) Security Life of Denver 3,926
10
(4)
3,920
(1)
1
Total Liabilities 3,926
10
(4)
3,920
(1)
1






Net assets $8,775,303

$2,236,451

$822,580

$4,740,027

$976,246

$(1)

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $8,775,303

$2,236,451

$822,580

$4,740,027

$976,246

$(1)

Total policyholder reserves $8,775,303

$2,236,451

$822,580

$4,740,027

$976,246

$(1)

Number of division units outstanding
     (Note G) 212,544.597

84,622.404

463,705.820

101,573.901

-

Value per divisional unit $10.52

$9.72

$10.22

$9.61

-

See accompanying notes.



Asset Portfolio Manager   			166


Security Life Separate Account L1

Statement of Net Assets (continued)
(Unaudited)

September 30, 2000

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Assets
Investments in mutual funds at
     market value (Note C) $19,444,497
$9,951,389
$9,493,108
Total assets 19,444,497

9,951,389

9,493,108

Liabilities
Due to (from) Security Life of Denver (18,217)
(18,590)
373
Total Liabilities (18,217)
(18,590)
373



Net assets $19,462,714

$9,969,979

$9,492,735

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $19,462,714
$9,969,979
$9,492,735
Total policyholder reserves $19,462,714

$9,969,979

$9,492,735

Number of division units outstanding
     (Note G) 533,404.486

871,012.812

Value per divisional unit $ 18.69

$ 10.90

See accompanying notes.



Asset Portfolio Manager   			167


Security Life Separate Account L1

Statement of Net Assets (continued)
(Unaudited)

September 30, 2000

GCG
Total
GCG

Equity
Income

Growth
Hard
Assets

Limited
Maturity
Bond

Liquid
Asset

Mid-Cap
Growth

Research
Total
Return

Assets
Investments in mutual funds at
     market value (Note C) $36,586,550
-
-
-
-
$36,586,550
-
-
-
Total assets 36,586,550
-
-
-
-
36,586,550
-
-
-
Liabilities
Due to (from) Security Life of Denver -
-
-
-
-
-
-
-
-
Total Liabilities -
-
-
-
-
-
-
-
-
Net assets $36,586,550

-

-

-

-

$36,586,550

-

-

-

Policyholder reserves
Reserves attributable to the
     policyholders (Note B) $36,586,550
-
-
-
-
$36,586,550
-
-
-
Total policyholder reserves $36,586,550

-

-

-

-

$36,586,550

-

-

-

Number of division units outstanding
     (Note G) -

-

-

-

3,431,659.818

-

-

-

Value per divisional unit -

-

-

-

$10.66

-

-

-

See accompanying notes.



Asset Portfolio Manager   			168


Security Life Separate Account L1

Statement of Operations
(Unaudited)

Nine months ended September 30, 2000

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Total
GCG

Investment income
Dividends from mutual funds $44,604,936 $7,022,071 $21,585,044 $15,777,015 - $59,217 - $161,589
Less valuation period deductions
     (Note B) 3,306,113
336,992
732,214
1,812,028
290,538
43,816
90,525
-
Net investment income (loss) 41,298,823
6,685,079
20,852,830
13,964,987
(290,538)
15,401
(90,525)
161,589
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 13,360,290 (2,079,607) (3,067,913) 17,353,518 1,012,606 (216,837) 358,523 -
Net unrealized gains (losses) on
     investments (58,935,683)
(1,271,645)
(18,884,446)
(38,538,412)
(139,325)
(1,205,884)
1,104,029
-
Net realized and unrealized gains
     (losses) on investments (45,575,393)
(3,351,252)
(21,952,359)
(21,184,894)
873,281
(1,422,721)
1,462,552
-
Net increase (decrease) in net assets
     resulting from operations $(4,276,570)
$3,333,827
$(1,099,529)
$(7,219,907)
$582,743
$(1,407,320)
$1,372,027
$161,589

See accompanying notes.



Asset Portfolio Manager   			169


Security Life Separate Account L1

Statement of Operations (continued)
(Unaudited)

Nine months ended September 30, 2000

NB
Total
NB

Limited
Maturity Bond

Growth
Partners
Investment income
Dividends from mutual funds $7,022,071 $775,107 $1,356,082 $4,890,882
Less valuation period deductions
     (Note B) 336,992
66,320
102,614
168,058
Net investment income (loss) 6,685,079
708,787
1,253,468
4,722,824
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments (2,079,607) (608,785) 3,335,986 (4,806,808)
Net unrealized gains (losses) on
     investments (1,271,645)
(85,811)
(1,031,576)
(154,258)
Net realized and unrealized gains
     (losses) on investments (3,351,252)
(694,596)
2,304,410
(4,961,066)
Net increase (decrease) in net assets
     resulting from operations $3,333,827

$14,191

$3,557,878

$(238,242)

See accompanying notes.



Asset Portfolio Manager   			170


Security Life Separate Account L1

Statement of Operations (continued)
(Unaudited)

Nine months ended September 30, 2000

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Investment income
Dividends from mutual funds $21,585,044 $9,941,662 $2,936,254 $6,249,935 $2,457,193
Less valuation period deductions
     (Note B) 732,214
171,317
138,165
272,062
150,670
Net investment income (loss) 20,852,830
9,770,345
2,798,089
5,977,873
2,306,523
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments (3,067,913) (7,269,133) 773,365 1,381,422 2,046,433
Net unrealized gains (losses) on
     investments (18,884,446)
(5,921,788)
772,958
(7,857,411)
(5,878,205)
Net realized and unrealized gains
     (losses) on investments (21,952,359)
(13,190,921)
1,546,323
(6,475,989)
(3,831,772)
Net increase (decrease) in net assets
     resulting from operations $(1,099,529)

$(3,420,576)

$4,344,412

$(498,116)

$(1,525,249)

See accompanying notes.



Asset Portfolio Manager   			171


Security Life Separate Account L1

Statement of Operations (continued)
(Unaudited)

Nine months ended September 30, 2000

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Investment income
Dividends from mutual funds $15,777,015 $1,469,444 $6,670,347 $3,516,677 $1,887,583 $2,232,964
Less valuation period deductions
     (Note B) 1,812,028
77,206
363,053
221,648
232,810
917,311
Net investment income (loss) 13,964,987
1,392,238
6,307,294
3,295,029
1,654,773
1,315,653
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 17,353,518 28,993 4,342,495 1,163,240 6,651,953 5,166,837
Net unrealized gains (losses) on
     investments (38,538,412)
(1,527,109)
(10,849,080)
(9,809,395)
(6,651,953)
(9,700,875)
Net realized and unrealized gains
     (losses) on investments (21,184,894)
(1,498,116)
(6,506,585)
(8,646,155)
-
(4,534,038)
Net increase (decrease) in net assets
     resulting from operations $(7,219,907)

$(105,878)

$(199,291)

$(5,351,126)

$1,654,773

$(3,218,385)

See accompanying notes.



Asset Portfolio Manager   			172


Security Life Separate Account L1

Statement of Operations (continued)
(Unaudited)

Nine months ended September 30, 2000

INVESCO
Total
INVESCO

Total
Return

Industrial
Income

High Yield
Utilities
Small
Company
Growth

Investment income
Dividends from mutual funds - - - - - -
Less valuation period deductions
     (Note B) 290,538
58,189
100,744
59,088
30,451
42,066
Net investment income (loss) (290,538)
(58,189)
(100,744)
(59,088)
(30,451)
(42,066)
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 1,012,606 (208,113) 395,583 (457,662) 119,353 1,163,445
Net unrealized gains (losses) on
     investments (139,325)
(135,303)
648,856
167,375
408,416
(1,228,669)
Net realized and unrealized gains
     (losses) on investments 873,281
(343,416)
1,044,439
(290,287)
527,769
(65,224)
Net increase (decrease) in net assets
     resulting from operations $582,743

$(401,605)

$943,695

$(349,375)

$497,318

$(107,290)

See accompanying notes.



Asset Portfolio Manager   			173


Security Life Separate Account L1

Statement of Operations (continued)
(Unaudited)

Nine months ended September 30, 2000

Van Eck
Total
Van Eck

Worldwide
Hard
Assets

Worldwide
Bond

Worldwide
Emerging
Markets

Worldwide
Real
Estate

Worldwide
Balanced

Investment income
Dividends from mutual funds $59,217 $25,149 $20,595 - $13,473 -
Less valuation period deductions
     (Note B) 43,816
13,480
3,391
22,893
4,052
-
Net investment income (loss) 15,401
11,669
17,204
(22,893)
9,421
-
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments (216,837) (320,347) (7,933) 116,281 (4,838) -
Net unrealized gains (losses) on
     investments (1,205,884)
82,377
(29,573)
(1,351,389)
92,701
-
Net realized and unrealized gains
     (losses) on investments (1,422,721)
(237,970)
(37,506)
(1,235,108)
87,863
-
Net increase (decrease) in net assets
     resulting from operations $(1,407,320)

$(226,301)

$(20,302)

$(1,258,001)

$97,284

-

See accompanying notes.



Asset Portfolio Manager   			174


Security Life Separate Account L1

Statement of Operations (continued)
(Unaudited)

Nine months ended September 30, 2000

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Investment income
Dividends from mutual funds - - -
Less valuation period deductions
     (Note B) 90,525
40,627
49,898
Net investment income (loss) (90,525)
(40,627)
(49,898)
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on
     investments 358,523 394,036 (35,513)
Net unrealized gains (losses) on
     investments 1,104,029
522,217
581,812
Net realized and unrealized gains
     (losses) on investments 1,462,552
916,253
546,299
Net increase (decrease) in net assets
     resulting from operations $1,372,027

$875,626

$496,401

See accompanying notes.



Asset Portfolio Manager   			175


Security Life Separate Account L1

Statement of Operations (continued)
(Unaudited)

Nine months ended September 30, 2000

GCG
Total
GCG

Equity
Income

Growth
Hard
Assets

Limited
Maturity
Bond

Liquid
Asset

Mid-Cap
Growth

Research
Total
Return

Investment income
Dividends from mutual funds $161,589 - - - - $161,589 - - -
Less valuation period deductions
     (Note B) -
-
-
-
-
-
-
-
-
Net investment income (loss) 161,589
-
-
-
-
161,589
-
-
-
Realized and unrealized gains
     (losses) on investments
Net realized gains (losses) on -
     investments - - - - - - - - -
Net unrealized gains (losses) on
     Investments -
-
-
-
-
-
-
-
-
Net realized and unrealized gains
     (losses) on investments -
-
-
-
-
-
-
-
-
Net increase (decrease) in net assets
     resulting from operations $161,589

-

-

-

-

$161,589

-

-

-

See accompanying notes.



Asset Portfolio Manager   			176


Security Life Separate Account L1

Statement of Changes in Net Assets
(Unaudited)

Nine months ended September 30, 2000

Total
All
Divisions

Total
NB

Total
Alger

Total
Fidelity

Total
INVESCO

Total
Van Eck

Total
AIM

Total
GCG

Increase (decrease) in net assets
Operations
Net investment income (loss) $41,298,823 $6,685,079 $20,852,830 $13,964,987 $(290,538) $15,401 $(90,525) $161,589
Net realized gains (losses) on
     investments 13,360,290 (2,079,607) (3,067,913) 17,353,518 1,012,606 (216,837) 358,523 -
Net unrealized gains (losses) on
     investments (58,935,683)
(1,271,645)
(18,884,446)
(38,538,412)
(139,325)
(1,205,884)
1,104,029
-
Increase (decrease) in net assets from operations (4,276,570)

3,333,827

(1,099,529)

(7,219,907)

582,743

(1,407,320)

1,372,027

161,589

     
Changes from principal
     transactions
Net premiums 215,148,258 8,880,133 26,029,142 123,036,933 13,923,189 2,162,419 4,379,331 36,737,111
Cost of insurance and
     administrative charges (21,820,070) (1,761,050) (4,527,854) (12,142,580) (2,217,096) (266,869) (592,309) (312,312)
Benefit payments (1,021,755) (10,857) (19,873) (978,994) (12,031) - - -
Surrenders (18,170,201) (3,359,913) (3,496,957) (9,495,303) (1,420,340) (74,830) (322,858) -
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (5,023,632) 4,982,909 20,042,393 (38,811,933) 5,204,998 1,648,171 1,909,830 -
Other 2,024,622
559,910
430,316
387,457
223,784
409,555
13,438
162
Increase (decrease) from
     principal transactions 171,137,222
9,291,132
38,457,167
61,995,580
15,702,504
3,878,446
5,387,432
36,424,961
Total increase (decrease) in net assets 166,860,652 12,624,959 37,357,638 54,775,673 16,285,247 2,471,126 6,759,459 36,586,550
Net assets at beginning of period 521,302,968
53,696,982
109,514,400
294,445,743
44,638,411
6,304,177
12,703,255
-
Net assets at end of period $688,163,620

$66,321,941

$146,872,038

$349,221,416

$60,923,658

$8,775,303

$19,462,714

$36,586,550

See accompanying notes.



Asset Portfolio Manager   			177


Security Life Separate Account L1

Statement of Changes in Net Assets (continued)
(Unaudited)

Nine months ended September 30, 2000

NB
Total
NB

Limited
Maturity Bond

Growth
Partners
Increase in net assets
Operations
Net investment income (loss) $6,685,079 $708,787 $1,253,468 $4,722,824
Net realized gains (losses) on
     investments (2,079,607) (608,785) 3,335,986 (4,806,808)
Net unrealized gains (losses) on
     investments (1,271,645)
(85,811)
(1,031,576)
(154,258)
Increase (decrease) in net assets from
     operations 3,333,827
14,191
3,557,878
(238,242)
Changes from principal
     transactions
Net premiums 8,880,133 2,440,405 2,720,301 3,719,427
Cost of insurance and
     administrative charges (1,761,050) (303,579) (461,204) (996,267)
Benefit payments (10,857) - - (10,857)
Surrenders (3,359,913) (406,650) (340,255) (2,613,008)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 4,982,909 (761,631) 4,018,698 1,725,842
Other 559,910
430,380
(14,524)
144,054
Increase (decrease) from
     principal transactions 9,291,132
1,398,925
5,923,016
1,969,191
Total increase (decrease) in net assets 12,624,959 1,413,116 9,480,894 1,730,949
Net assets at beginning of period 53,696,982
11,200,828
13,076,154
29,420,000
Net assets at end of period $66,321,941

$12,613,944

$22,557,048

$31,150,949

See accompanying notes.



Asset Portfolio Manager   			178


Security Life Separate Account L1

Statement of Changes in Net Assets (continued)
(Unaudited)

Nine months ended September 30, 2000

Alger
Total
Alger

American
Small
Capitalization

American
MidCap
Growth

American
Growth

American
Leveraged
AllCap

Increase (decrease) in net assets
Operations
Net investment income (loss) $20,852,830 $9,770,345 $2,798,089 $5,977,873 $2,306,523
Net realized gains (losses) on
     investments (3,067,913) (7,269,133) 773,365 1,381,422 2,046,433
Net unrealized gains (losses) on
     investments (18,884,446)
(5,921,788)
772,958
(7,857,411)
(5,878,205)
Increase (decrease) in net assets from
     operations (1,099,529)
(3,420,576)
4,344,412
(498,116)
(1,525,249)
Changes from principal
     transactions
Net premiums 26,029,142 4,618,959 5,589,729 9,973,445 5,847,009
Cost of insurance and
     administrative charges (4,527,854) (1,013,480) (814,015) (1,624,198) (1,076,161)
Benefit payments (19,873) - - - (19,873)
Surrenders (3,496,957) (1,126,421) (433,043) (1,576,939) (360,554)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 20,042,393 6,253,974 5,795,927 4,644,736 3,347,756
Other 430,316
249,475
36,798
61,465
82,578
Increase (decrease) from
     principal transactions 38,457,167
8,982,507
10,175,396
11,478,509
7,820,755
Total increase (decrease) in net assets 37,357,638 5,561,931 14,519,808 10,980,393 6,295,506
Net assets at beginning of period 109,514,400
27,779,755
17,287,487
41,383,498
23,063,660
Net assets at end of period $146,872,038

$33,341,686

$31,807,295

$52,363,891

$29,359,166

See accompanying notes.



Asset Portfolio Manager   			179


Security Life Separate Account L1

Statement of Changes in Net Assets (continued)
(Unaudited)

Nine months ended September 30, 2000

Fidelity
Total
Fidelity

Asset
Manager

Growth
Overseas
Money
Market

Index 500
Increase (decrease) in net assets
Operations
Net investment income (loss) $13,964,987 $1,392,238 $6,307,294 $3,295,029 $1,654,773 $1,315,653
Net realized gains (losses) on
     investments 17,353,518 28,993 4,342,495 1,163,240 6,651,953 5,166,837
Net unrealized gains (losses) on
     investments (38,538,412)
(1,527,109)
(10,849,080)
(9,809,395)
(6,651,953)
(9,700,875)
Increase (decrease) in net assets from
     operations (7,219,907)
(105,878)
(199,291)
(5,351,126)
1,654,773
(3,218,385)
Changes from principal
     transactions
Net premiums 123,036,933 2,921,266 10,713,224 7,322,778 72,253,974 29,825,691
Cost of insurance and
     administrative charges (12,142,580) (525,820) (2,113,448) (1,102,045) (2,469,835) (5,931,432)
Benefit payments (978,994) - (3,558) - (958,970) (16,466)
Surrenders (9,495,303) (337,168) (1,335,594) (1,105,151) (1,017,746) (5,699,644)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) (38,811,933) (630,255) 5,057,042 7,924,514 (58,402,429) 7,239,195
Other 387,457
6,288
286,052
108,459
(36,926)
23,584
Increase (decrease) from
     principal transactions 61,995,580
1,434,311
12,603,718
13,148,555
9,368,068
25,440,928
Total increase (decrease) in net assets 54,775,673 1,328,433 12,404,427 7,797,429 11,022,841 22,222,543
Net assets at beginning of period 294,445,743
13,590,458
58,157,830
34,984,281
34,797,408
152,915,766
Net assets at end of period $349,221,416

$14,918,891

$70,562,257

$42,781,710

$45,820,249

$175,138,309

See accompanying notes.



Asset Portfolio Manager   			180


Security Life Separate Account L1

Statement of Changes in Net Assets (continued)
(Unaudited)

Nine months ended September 30, 2000

INVESCO
Total
INVESCO

Total
Return

Industrial
Income

High Yield
Utilities
Small
Company
Growth

Increase (decrease) in net assets
Operations
Net investment income (loss) $(290,538) $(58,189) $(100,744) $(59,088) $(30,451) $(42,066)
Net realized gains (losses) on
     investments 1,012,606 (208,113) 395,583 (457,662) 119,353 1,163,445
Net unrealized gains (losses) on
     investments (139,325)
(135,303)
648,856
167,375
408,416
(1,228,669)
Increase (decrease) in net assets from
     operations 582,743
(401,605)
943,695
(349,375)
497,318
(107,290)
Changes from principal
     transactions
Net premiums 13,923,189 3,440,503 4,199,903 1,910,660 1,446,144 2,925,979
Cost of insurance and
     administrative charges (2,217,096) (544,920) (805,803) (373,124) (223,263) (269,986)
Benefit payments (12,031) - (12,031) - - -
Surrenders (1,420,340) (540,023) (500,618) (239,376) (111,379) (28,944)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 5,204,998 (672,067) 381,230 377,850 1,104,157 4,013,828
Other 223,784
(12,515)
(51,206)
153,242
29,988
104,275
Increase (decrease) from
     principal transactions 15,702,504
1,670,978
3,211,475
1,829,252
2,245,647
6,745,152
Total increase (decrease) in net assets 16,285,247 1,269,373 4,155,170 1,479,877 2,742,965 6,637,862
Net assets at beginning of period 44,638,411
10,386,650
16,220,553
9,420,677
4,141,315
4,469,216
Net assets at end of period $60,923,658

$11,656,023

$20,375,723

$10,900,554

$6,884,280

$11,107,078

See accompanying notes



Asset Portfolio Manager   			181


Security Life Separate Account L1

Statement of Changes in Net Assets (continued)
(Unaudited)

Nine months ended September 30, 2000

Van Eck
Total
Van Eck

Worldwide
Hard
Assets

Worldwide
Bond

Worldwide
Emerging
Markets

Worldwide
Real
Estate

Worldwide
Balanced

Increase (decrease) in net assets
Operations
Net investment income (loss) $15,401 $11,669 $17,204 ($22,893) $9,421 -
Net realized gains (losses) on
     investments (216,837) (320,347) (7,933) 116,281 (4,838) -
Net unrealized gains (losses) on
     investments (1,205,884)

82,377

(29,573)

(1,351,389)

92,701

-

Increase (decrease) in net assets from
     operations (1,407,320)

(226,301)

(20,302)

(1,258,001)

97,284

-

Changes from principal
     transactions
Net premiums 2,162,419 262,869 272,189 1,388,666 238,695 -
Cost of insurance and
     administrative charges (266,869) (77,158) (27,840) (133,373) (28,423) (75)
Benefit payments - - - - - -
Surrenders (74,830) (34,480) (6,744) (32,217) (1,389) -
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 1,648,171 (430,968) 269,356 1,695,683 120,928 (6,828)
Other 409,555

436,411

1,718

(34,790)

(686)

6,902

Increase (decrease) from
     principal transactions 3,878,446

156,674

508,679

2,883,969

329,125

(1)

Total increase (decrease) in net assets 2,471,126 (69,627) 488,377 1,625,968 426,409 (1)
Net assets at beginning of period 6,304,177

2,306,078

334,203

3,114,059

549,837

 

Net assets at end of period $8,775,303

$2,236,451

$822,580

$4,740,027

$976,246

$(1)

See accompanying notes.



Asset Portfolio Manager   			182


Security Life Separate Account L1

Statement of Changes in Net Assets (continued)
(Unaudited)

Nine months ended September 30, 2000

AIM
Total
AIM

Capital
Appreciation

Government
Securities

Increase (decrease) in net assets
Operations
Net investment income (loss) $(90,525) $(40,627) $(49,898)
Net realized gains (losses) on
     investments 358,523 394,036 (35,513)
Net unrealized gains (losses) on
     investments 1,104,029
522,217
581,812
Increase (decrease) in net assets from
     operations 1,372,027
875,626
496,401
Changes from principal
     transactions
Net premiums 4,379,331 2,754,491 1,624,840
Cost of insurance and
     administrative charges (592,309) (374,709) (217,600)
Benefit payments - - -
Surrenders (322,858) (73,505) (249,353)
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) 1,909,830 1,464,212 445,618
Other 13,438
14,942
(1,504)
Increase (decrease) from
     principal transactions 5,387,432
3,785,431
1,602,001
Total increase (decrease) in net assets 6,759,459 4,661,057 2,098,402
Net assets at beginning of period 12,703,255
5,308,922
7,394,333
Net assets at end of period $19,462,714

$9,969,979

$9,492,735

See accompanying notes.



Asset Portfolio Manager   			183


Security Life Separate Account L1

Statement of Changes in Net Assets (continued)
(Unaudited)

Nine months ended September 30, 2000

GCG
Total
GCG

Equity
Income

Growth
Hard
Assets

Limited
Maturity
Bond

Liquid
Asset

Mid-Cap
Growth

Research
Total
Return

Increase (decrease) in net assets
Operations
Net investment income (loss) $161,589 - - - - $161,589 - - -
Net realized gains (losses) on
     investments - - - - - - - - -
Net unrealized gains (losses) on
     investments -
-
-
-
-
-
-
-
-
Increase (decrease) in net assets from operations 161,589
 
 
 
 
161,589
 
 
 
Changes from principal
     transactions
Net premiums 36,737,111 - - - - 36,737,111 - - -
Cost of insurance and
     administrative charges (312,312) - - - - (312,312) - - -
Benefit payments - - - - - - - - -
Surrenders - - - - - - - - -
Net transfers among divisions
     (including the loan division and
     guaranteed interest division in
     the general account) - - - - - - - - -
Other 162
-
-
-
-
162
-
-
-
Increase (decrease) from
     principal transactions 36,424,961
-
-
-
-
36,424,961
-
-
-
Total increase (decrease) in net assets 36,586,550 - - - - 36,586,550 - - -
Net assets at beginning of period -
-
-
-
-
-
-
-
-
Net assets at end of period $36,586,550

-

-

-

-

$36,586,550

-

-

-

See accompanying notes



Asset Portfolio Manager   			184


Security Life Separate Account L1

Notes to Financial Statements

September 30, 2000

Note A. Organization

Security Life Separate Account L1 (the "Separate Account") was established by resolution of the Board of Directors of Security Life of Denver Insurance Company (the "Company") on November 3, 1993. The Separate Account is organized as a unit investment trust registered with the Securities and Exchange Commission under the Investment Company Act of 1940.

The Separate Account supports the operations of the FirstLine Variable Universal Life, FirstLine II Variable Universal Life, Strategic Advantage Variable Universal Life, Strategic Advantage II Variable Universal Life, and Variable Survivorship Universal Life policies ("Variable Universal Life Policies") offered by the Company. The Separate Account may be used to support other variable life policies as they are offered by the Company. The assets of the Separate Account are the property of the Company. However, the portion of the Separate Account's assets attributable to the policies will not be used to satisfy liabilities arising out of any other operations of the Company.

As of September 30, 2000 the Separate Account offered thirty-one investment divisions available to the policyholders, each of which invests in an independently managed mutual fund portfolio ("Fund"). The Funds are as follows:

Portfolio Managers/Portfolios (Funds)

Neuberger Berman Management Incorporated (NB)
     Neuberger Berman Limited Maturity Bond Portfolio
     Neuberger Berman Growth Portfolio
     Neuberger Berman Partners Portfolio

Fred Alger Management, Inc. (Alger)
     Alger American Small Capitalization Portfolio
     Alger American MidCap Growth Portfolio
     Alger American Growth Portfolio
     Alger American Leveraged AllCap Portfolio

Fidelity Management & Research Company (Fidelity)
     Fidelity Investments VIP II Asset Manager Portfolio
     Fidelity Investments VIP Growth Portfolio
     Fidelity Investments VIP Overseas Portfolio
     Fidelity Investments VIP Money Market Portfolio
     Fidelity Investments VIP II Index 500 Portfolio



Asset Portfolio Manager   			185


Note A. Organization (continued)

Portfolio Managers/Portfolios (Funds) (continued)

INVESCO Funds Group, Inc. (INVESCO)
     INVESCO VIF Total Return Fund
     INVESCO VIF Equity Income Fund (formerly known as "INVESCO VIF Industrial Income Portfolio")
     INVESCO VIF High Yield Fund
     INVESCO VIF Utilities Fund
     INVESCO VIF Small Company Growth Fund

Van Eck Associates Corporation (Van Eck)
     Van Eck Worldwide Hard Assets Fund (formerly known as "Van Eck Gold and Natural Resources Portfolio")
     Van Eck Worldwide Bond Fund
     Van Eck Worldwide Emerging Markets Fund
     Van Eck Worldwide Real Estate Fund

AIM Advisors, Inc. (AIM)
     AIM VI--Capital Appreciation Fund
     AIM VI--Government Securities Fund

Effective May 1, 1997, the Divisions of the Separate Account investing in the Neuberger Berman Government Income Portfolio and the Van Eck Worldwide Balanced Portfolio stopped accepting new investments. These divisions were discontinued during 1998.

Effective February 19, 1998, six new divisions became available to the policyholders for investment in the following funds:

Van Eck Associates Corporation (Van Eck)
     Van Eck Worldwide Bond Fund
     Van Eck Worldwide Emerging Markets Fund
     Van Eck Worldwide Real Estate Fund

AIM Advisors, Inc. (AIM)
     AIM VI--Capital Appreciation Fund
     AIM VI--Government Securities Fund

INVESCO Funds Group, Inc. (INVESCO)
     INVESCO VIF Small Company Growth Fund



Asset Portfolio Manager   			186


Note A. Organization (continued)

Effective May 1, 2000, eight new divisions became available to the policyholders for investment in the following funds:

Directed Services, Inc. (GCG)
     GCG Trust --Equity Income Portfolio
     GCG Trust --Growth Portfolio
     GCG Trust --Hard Assets Portfolio
     GCG Trust --Limited Maturity Bond Portfolio
     GCG Trust --Liquid Asset Portfolio
     GCG Trust --Mid-Cap Growth Portfolio
     GCG Trust --Research Portfolio
     GCG Trust --Total Return Portfolio

The Variable Universal Life Policies allow the policyholders to specify the allocation of their net premium to the various Funds. They can also transfer their account values among the Funds. The Variable Universal Life Policies also provide the policyholders the option to allocate their net premiums, or to transfer their account values, to a Guaranteed Interest Division ("GID") in the Company's general account. The GID guarantees a rate of interest to the policyholder, and it is not variable in nature. Therefore, it is not included in these Separate Account statements.

Note B. Summary of Significant Accounting Policies

The accompanying financial statements of the Separate Account have been prepared on the basis of accounting principles generally accepted in the United States ("U.S. GAAP"). The preparation of financial statements in conformity with U.S. GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.

The significant accounting principles followed by the Separate Account and the methods of applying those principles are presented below or in the footnotes which follow:

Investment Valuation: The investments in shares of the Funds are valued at the closing net asset value (market value) per share as determined by the Funds on the day of measurement.

Investment Transactions and Related Investment Income: The investments in shares of the Funds are accounted for on the date the order to buy or sell is confirmed. Dividend income and distributions of capital gains are recorded on the ex-dividend date. Realized gains and losses from sales transactions are reported using the first-in, first-out ("FIFO") method of accounting



Asset Portfolio Manager   			187


Note B. Summary of Significant Accounting Policies (continued)

for cost. The difference between cost and current market value of investments owned on the day of measurement is recorded as unrealized gain or loss on investment.

Valuation Period Deductions: Charges are made directly against the assets of the Separate Account divisions and are reflected daily in the computation of the unit values of the divisions.

A daily deduction, at an annual rate of .75% of the daily asset value of the Separate Account divisions, is charged to the Separate Account for mortality and expense risks assumed by the Company. Total mortality and expense charges for the nine months ended September 30, 2000 was $ 3,306,113.

Policyholder Reserves--Policyholder reserves are recorded in the Separate Account at the aggregate account values of the policyholders invested in the Separate Account divisions. To the extent that benefits to be paid to the policyholders exceed their account values, the Company will contribute additional funds to the benefit proceeds.

Note C. Investments

Fund shares are purchased at net asset value with net premiums (premium payments, less sales and tax loads charged by the Company) and divisional transfers from other divisions. Fund shares are redeemed for the payment of benefits, for surrenders, for transfers to other divisions, and for charges by the Company for certain cost of insurance and administrative charges. The cost of insurance and administrative charges for the nine months ended September 30, 2000 was $ 21,820,070. Dividends made by the Funds are reinvested in the Funds.



Asset Portfolio Manager   			188


Note C. Investments (continued)

The following is a summary of Fund shares owned as of September 30, 2000:

Fund
Number
Of
Shares

Net
Asset
Value

Value
Of Shares
At Market

Cost of
Shares

Neuberger Berman Management Inc.:
Limited Maturity Bond 978,938.727 $12.88 12,608,731 12,874,264
Growth 526,531.248 $42.84 22,556,599 19,358,493
Partners 1,931,925.266 $16.08 31,065,358 30,820,180
 
Fred Alger Management, Inc.:
American Small Capitalization 1,148,009.727 $29.29 33,625,205 32,902,173
American MidCap Growth 932,847.084 $34.10 31,810,086 27,660,169
American Growth 944,603.720 $55.41 52,340,492 51,318,327
American Leveraged AllCap 590,559.427 $49.70 29,350,804 28,813,285
 
Fidelity Management & Research Co.:
Asset Manager 896,544.536 $16.64 14,918,501 15,393,287
Growth 1,424,086.130 $49.78 70,891,008 72,175,875
Overseas 1,959,944.094 $21.76 42,648,383 43,048,643
Money Market 45,550,769.000 $1.00 45,550,769 45,550,768
Index 500 1,079,408.831 $162.22 175,101,701 151,130,171
 
INVESCO Funds Group, Inc.:
Total Return 773,148.040 $15.07 11,651,341 12,419,389
Equity Income 916,200.898 $22.24 20,376,308 18,072,490
High Yield 962,580.114 $11.31 10,886,781 11,210,384
Utilities 296,118.086 $23.25 6,884,745 5,983,200
Small Company Growth 469,352.882 $23.37 10,968,777 10,588,334
 
Van Eck Associates Corporation:
Worldwide Hard Assets 189,852.384 $11.78 2,236,461 2,006,016
Worldwide Bond 83,425.553 $9.86 822,576 858,115
Worldwide Emerging Markets 440,069.301 $10.78 4,743,947 5,238,234
Worldwide Real Estate 95,522.982 $10.22 976,245 901,546
 
AIM Advisors, Inc.:
Capital Appreciation 244,385.789 $40.72 9,951,389 8,052,579
Government Securities 841,587.567 $11.28 9,493,108 9,096,871
 
Directed Services, Inc.:
Equity Income - - - -
Growth - - - -
Hard Assets - - - -
Limited Maturity Bond - - - -
Liquid Asset 36,586,550.000 $1.00 36,586,550 36,586,550
Mid-Cap Growth - - - -
Research - - - -
Total Return - - -
-
Total $688,045,865

$652,059,343



Asset Portfolio Manager   			189


Note C. Investments (continued)

For the nine months ended September 30, 2000 the cost of purchases (plus reinvested dividends) and sales of investments are as follows:

Fund
Beginning
of Period

Purchases
Sales
End
of Period

Neuberger Berman Management Inc.:
     Limited Maturity Bond 11,380,242 4,037,710 (2,543,688) 12,874,264
     Growth 8,836,640 15,034,839 (4,512,986) 19,358,493
     Partners 28,931,311 30,450,281 (28,561,412) 30,820,180
 
Fred Alger Management, Inc.:
     American Small Capitalization 21,103,331 53,307,171 (41,508,329) 32,902,173
     American MidCap Growth 13,903,676 15,533,711 (1,777,218) 27,660,169
     American Growth 32,482,027 22,294,654 (3,458,354) 51,318,327
     American Leveraged AllCap 16,645,127 16,677,825 (4,509,667) 28,813,285
 
Fidelity Management & Research Co.:
     Asset Manager 12,533,037 5,347,876 (2,487,626) 15,393,287
     Growth 48,588,495 82,223,291 (58,635,911) 72,175,875
     Overseas 25,474,948 22,570,601 (4,996,906) 43,048,643
     Money Market 34,799,038 162,319,931 (151,568,201) 45,550,768
     Index 500 119,231,939 39958467 (8,060,235) 151,130,171
 
INVESCO Funds Group, Inc.:
     Total Return 11,019,270 3,611,420 (2,211,301) 12,419,389
     Equity Income 14,534,380 5,441,123 (1,903,013) 18,072,490
     High Yield 9,910,525 3,777,691 (2,477,832) 11,210,384
     Utilities 3,647,584 2,624,488 (288,872) 5,983,200
     Small Company Growth 2,793,624 9,481,399 (1,686,689) 10,588,334
 
Van Eck Associates Corporation:
     Worldwide Hard Assets 2,157,787 372,512 (524,283) 2,006,016
     Worldwide Bond 341,712 602,608 (86,205) 858,115
     Worldwide Emerging Markets 2,209,985 3,445,407 (417,158) 5,238,234
     Worldwide Real Estate 567,839 513,561 (179,854) 901,546
 
AIM Advisors, Inc.:
     Capital Appreciation 3,932,316 4,612,769 (492,506) 8,052,579
     Government Securities 7,579,908 3,160,367 (1,643,404) 9,096,871
 
Directed Services, Inc.:
     Equity Income - - - -
     Growth - - - -
     Hard Assets - - - -
     Limited Maturity Bond - - - -
     Liquid Asset - 36,690,662 (104,112) 36,586,550
     Mid-Cap Growth - - - -
     Research - - - -
     Total Return -
-
-
-
Total $432,604,741

$544,090,364

$(324,635,762)

$652,059,343

Aggregate proceeds from sales of investments for the nine months ended September 30, 2000 were $337,996,052.



Asset Portfolio Manager   			190


Note D. Other Policy Deductions

The Variable Universal Life policies provide for certain deductions for sales and tax loads from premium payments received from the policyholders and for surrender charges and taxes from amounts paid to policyholders. Such deductions are taken before the purchase of divisional units or after the redemption of divisional units of the Separate Account. Such deductions are not included in the Separate Account financial statements.

Note E. Policy Loans

The Variable Universal Life policies allow the policyholders to borrow against their policies by using them as collateral for a loan. At the time of borrowing against the policies, an amount equal to the loan amount is transferred from the Separate Account divisions to a Loan Division in the Company's General Account to secure the loan. As payments are made on the policy loan, amounts are transferred back from the Loan Division to the Separate Account divisions. Interest is credited to the balance in the Loan Division at a fixed rate. The Loan Division is not variable in nature and is not included in these Separate Account statements.

Note F. Federal Income Taxes

The Separate Account is not taxed separately because the operations of the Separate Account are part of the total operations of the Company. The Company is taxed as a life insurance company under the Internal Revenue Code. The Separate Account is not taxed as a "Regulated Investment Company" under subchapter "M" of the Internal Revenue Code.



Asset Portfolio Manager   			191


Note G. Summary of Changes in Units

The following schedule summarizes the changes in divisional units for the nine months ended September 30, 2000:

Division
Outstanding
at Beginning
of Period

Increase
for Payments
Received

(Decrease)
for
Withdrawals
and Other
Deductions

Outstanding
at End
of Period

Neuberger Berman Management Inc.:
     Limited Maturity Bond 889,159.604 259,598.107 (183,467.976) 965,289.735
     Growth 434,338.368 402,680.855 (226,932.821) 610,086.402
     Partners 1,212,133.448 1,062,947.389 (989,789.650) 1,285,291.187
 
Fred Alger Management, Inc.:
     American Small Capitalization 1,055,757.484 1,774,944.777 (1,415,088.190) 1,415,614.071
     American MidCap Growth 576,738.314 373,411.806 (72,456.239) 877,693.881
     American Growth 1,257,371.637 485,682.420 (142,314.710) 1,600,739.347
     American Leveraged AllCap 425,281.099 264,218.497 (124,254.820) 565,244.776
 
Fidelity Management & Research Co.:
     Asset Manager 722,717.906 210,806.318 (135,041.418) 798,482.806
     Growth 1,676,236.646 2,127,438.322 (1,779,782.598) 2,023,892.370
     Overseas 1,716,617.627 997,611.107 (324,327.218) 2,389,901.516
     Money Market 2,763,648.297 12,510,835.820 (11,797,338.482) 3,477,145.635
     Index 500 4,772,484.597 1,224,170.413 (411,470.314) 5,585,184.696
 
INVESCO Funds Group, Inc.:
     Total Return 602,187.614 219,550.732 (119,441.882) 702,296.464
     Equity Income 621,047.937 206,980.904 (86,896.409) 741,132.432
     High Yield 536,863.946 221,405.687 (123,352.459) 634,917.174
     Utilities 189,409.984 113,105.262 (16,912.153) 285,603.093
     Small Company Growth 212,503.210 428,946.364 (147,489.896) 493,959.678
 
Van Eck Associates Corporation:
     Worldwide Hard Assets 236,972.429 35,652.841 (60,080.673) 212,544.597
     Worldwide Bond 33,114.078 59,127.335 (7,619.009) 84,622.404
     Worldwide Emerging Markets 228,819.195 280,213.575 (45,326.950) 463,705.820
     Worldwide Real Estate 64,967.173 55,981.819 (19,375.091) 101,573.901
 
AIM Advisors, Inc.:
     Capital Appreciation 323,846.032 259,383.140 (49,824.686) 533,404.486
     Government Securities 715,905.149 305,304.116 (150,196.453) 871,012.812
 
Directed Services, Inc.:
     Equity Income
     Growth - - - -
     Hard Assets - - - -
     Limited Maturity Bond - - - -
     Liquid Asset - 3,441,467.775 (9,807.957) 3,431,659.818
     Mid-Cap Growth - - - -
     Research - - - -
     Total Return - - - -


Asset Portfolio Manager   			192


Note H. Net Assets

Net assets at September 30, 2000 consisted of the following:

Division
Principal
Transactions

Accumulated
Investment
Income
(Loss)

Accumulated
Net Realized
Gains
(Losses) on
Investments

Net
Unrealized
Gains
(Losses) on
Investments

Net Assets
Neuberger Berman Management Inc.:
     Limited Maturity Bond $11,733,853 $2,066,239 $(920,615) $(265,533) $12,613,944
     Growth 12,585,232 3,386,436 3,387,275 3,198,105 22,557,048
     Partners 26,484,200 7,522,348 (3,100,777) 245,178 31,150,949
 
Fred Alger Management, Inc.:
     American Small Capitalization 25,894,761 13,568,944 (6,845,050) 723,031 33,341,686
     American MidCap Growth 21,086,707 4,915,697 1,654,973 4,149,918 31,807,295
     American Growth 36,163,466 10,611,194 4,567,066 1,022,165 52,363,891
     American Leveraged AllCap 20,543,763 3,040,204 5,237,681 537,518 29,359,166
 
Fidelity Management & Research Co.:
     Asset Manager 12,144,665 3,035,762 213,250 (474,786) 14,918,891
     Growth 45,572,646 12,252,071 14,022,406 (1,284,866) 70,562,257
     Overseas 35,584,625 5,213,032 2,384,313 (400,260) 42,781,710
     Money Market 41,425,937 4,394,312 6,651,953 (6,651,953) 45,820,249
     Index 500 134,395,483 3,480,443 13,290,854 23,971,529 175,138,309
 
INVESCO Funds Group, Inc.:
     Total Return 11,625,668 506,535 291,868 (768,048) 11,656,023
     Equity Income 15,682,751 995,425 1,393,729 2,303,818 20,375,723
     High Yield 9,859,850 1,861,098 (496,791) (323,603) 10,900,554
     Utilities 5,402,608 28,302 551,825 901,545 6,884,280
     Small Company Growth 9,389,529 (56,990) 1,394,097 380,442 11,107,078
 
Van Eck Associates Corporation:
     Worldwide Hard Assets 2,615,434 160,431 (769,859) 230,445 2,236,451
     Worldwide Bond 864,888 26,888 (33,657) (35,539) 822,580
     Worldwide Emerging Markets 4,844,600 (35,515) 425,229 (494,287) 4,740,027
     Worldwide Real Estate 897,339 9,259 (5,051) 74,699 976,246
     Worldwide Balanced (1) - - - (1)
 
AIM Advisors, Inc.:
     Capital Appreciation 7,510,588 77,603 482,978 1,898,810 9,969,979
     Government Securities 8,955,847 176,475 (35,823) 396,236 9,492,735
 
Directed Services, Inc.:
     Equity Income
     Growth - - - - -
     Hard Assets - - - - -
     Limited Maturity Bond - - - - -
     Liquid Asset 36,424,961 161,589 - - 36,586,550
     Mid-Cap Growth - - - - -
     Research - - - - -
     Total Return -
-
-
-
-
Total $537,689,400

$77,397,782

$43,741,874

$29,334,564

$688,163,620



Asset Portfolio Manager   			193


APPENDIX A

Factors for the
Cash Value Accumulation Test
For a Life Insurance Policy

Attained Age Male Female Unisex Attained Age

Male Female Unisex Attained Age

Male Female Unisex
0 11.727 14.234 12.149
1 11.785 14.209 12.194 34 4.188 4.902 4.314 67 1.617 1.815 1.657
2 11.458 13.815 11.857 35 4.052 4.742 4.173 68 1.583 1.769 1.620
3 11.128 13.417 11.515 36 3.920 4.586 4.037 69 1.550 1.724 1.585
4 10.803 13.023 11.178 37 3.793 4.437 3.906 70 1.518 1.681 1.552
5 10.481 12.635 10.845 38 3.670 4.293 3.780 71 1.488 1.639 1.520
6 10.161 12.253 10.514 39 3.553 4.154 3.658 72 1.459 1.599 1.489
7 9.844 11.875 10.187 40 3.439 4.021 3.541 73 1.432 1.560 1.460
8 9.530 11.505 9.863 41 3.330 3.894 3.429 74 1.406 1.524 1.433
9 9.221 11.141 9.545 42 3.226 3.771 3.322 75 1.382 1.490 1.407
10 8.918 10.784 9.233 43 3.125 3.654 3.218 76 1.359 1.457 1.383
11 8.623 10.436 8.928 44 3.028 3.541 3.119 77 1.338 1.427 1.360
12 8.338 10.098 8.634 45 2.936 3.432 3.023 78 1.318 1.398 1.338
13 8.066 9.771 8.353 46 2.846 3.328 2.931 79 1.299 1.371 1.318
14 7.808 9.455 8.085 47 2.761 3.227 2.843 80 1.281 1.345 1.298
15 7.564 9.150 7.831 48 2.678 3.129 2.758 81 1.264 1.321 1.280
16 7.335 8.857 7.592 49 2.599 3.035 2.676 82 1.248 1.298 1.262
17 7.118 8.575 7.364 50 2.522 2.945 2.597 83 1.233 1.277 1.245
18 6.911 8.302 7.148 51 2.449 2.858 2.522 84 1.218 1.257 1.230
19 6.713 8.038 6.939 52 2.378 2.774 2.449 85 1.205 1.238 1.215
20 6.521 7.782 6.737 53 2.311 2.693 2.379 86 1.193 1.221 1.202
21 6.334 7.534 6.540 54 2.246 2.615 2.312 87 1.181 1.205 1.189
22 6.150 7.293 6.347 55 2.184 2.540 2.248 88 1.171 1.190 1.177
23 5.969 7.059 6.158 56 2.125 2.468 2.187 89 1.160 1.176 1.166
24 5.791 6.831 5.971 57 2.068 2.398 2.128 90 1.151 1.163 1.155
25 5.615 6.611 5.788 58 2.014 2.330 2.071 91 1.141 1.150 1.144
26 5.441 6.396 5.608 59 1.962 2.265 2.017 92 1.131 1.137 1.133
27 5.271 6.188 5.431 60 1.912 2.201 1.965 93 1.120 1.125 1.122
28 5.104 5.986 5.258 61 1.864 2.139 1.915 94 1.109 1.112 1.110
29 4.940 5.791 5.089 62 1.818 2.079 1.867 95 1.097 1.098 1.097
30 4.781 5.601 4.925 63 1.774 2.022 1.821 96 1.083 1.084 1.084
31 4.626 5.418 4.765 64 1.732 1.967 1.777 97 1.069 1.069 1.069
32 4.476 5.241 4.610 65 1.692 1.914 1.735 98 1.054 1.054 1.054
33 4.330 5.069 4.459 66 1.654 1.863 1.695 99 1.040 1.040 1.040
100 1.000 1.000 1.000



Asset Portfolio Manager   			194

APPENDIX B

Factors for the
Guideline Premium/Cash Value Corridor Test
For a Life Insurance Policy

Attained Age Factor Attained Age Factor Attained Age Factor Attained Age Factor
0 2.50 25 2.50 50 1.85 75 1.05
1 2.50 26 2.50 51 1.78 76 1.05
2 2.50 27 2.50 52 1.71 77 1.05
3 2.50 28 2.50 53 1.64 78 1.05
4 2.50 29 2.50 54 1.57 79 1.05
5 2.50 30 2.50 55 1.50 80 1.05
6 2.50 31 2.50 56 1.46 81 1.05
7 2.50 32 2.50 57 1.42 82 1.05
8 2.50 33 2.50 58 1.38 83 1.05
9 2.50 34 2.50 59 1.34 84 1.05
10 2.50 35 2.50 60 1.30 85 1.05
11 2.50 36 2.50 61 1.28 86 1.05
12 2.50 37 2.50 62 1.26 87 1.05
13 2.50 38 2.50 63 1.24 88 1.05
14 2.50 39 2.50 64 1.22 89 1.05
15 2.50 40 2.50 65 1.20 90 1.05
16 2.50 41 2.43 66 1.19 91 1.04
17 2.50 42 2.36 67 1.18 92 1.03
18 2.50 43 2.29 68 1.17 93 1.02
19 2.50 44 2.22 69 1.16 94 1.01
20 2.50 45 2.15 70 1.15 95 1.00
21 2.50 46 2.09 71 1.13 96 1.00
22 2.50 47 2.03 72 1.11 97 1.00
23 2.50 48 1.97 73 1.09 98 1.00
24 2.50 49 1.91 74 1.07 99 1.00
100 1.00

THE POLICY'S BASE DEATH BENEFIT AT ANY TIME WILL BE AT LEAST EQUAL TO THE ACCOUNT VALUE TIMES THE APPROPRIATE FACTOR FROM THIS TABLE.




Asset Portfolio Manager   			195

APPENDIX C

Performance Information

POLICY PERFORMANCE

The following hypothetical illustrations demonstrate how the actual investment experience of each variable investment option of the separate account affects the cash surrender value, account value and death benefit of a policy. These hypothetical illustrations are based on the actual historical return of each portfolio as if a policy had been issued on the date indicated. Each portfolio's annual total return is based on the total return calculated for each fiscal year. These annual total return figures reflect the net portfolio's management fees after any voluntary waiver and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions, which if reflected, would result in lower total return figures than those shown.

The illustrations are based on the payment of a $3,750 annual premium, received at the beginning of each year, for a hypothetical policy with a $200,000 stated death benefit, the cash value accumulation test, death benefit option 1, issued to a preferred, nonsmoker male, age 45. In each case, it is assumed that all premiums are allocated to the variable investment option illustrated for the period shown. The benefits are calculated for a specific date. The amount and timing of premium payments and the use of other policy features, such as policy loans, would affect individual policy benefits.

The amounts shown for the cash surrender values, account values and death benefits take into account the charges against premiums, current cost of insurance and monthly deductions, the daily charge against the separate account for mortality and expense risks, and each portfolio's charges and expenses. See Charges, Deductions and Refunds, page 44.




Asset Portfolio Manager   			196

HYPOTHETICAL ILLUSTRATIONS
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

AIM V.I. Capital Appreciation Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/94 2.50% 0 2,986 200,000
12/31/95 35.69% 4,945 7,945 200,000
12/31/96 17.58% 9,535 12,535 200,000
12/31/97 13.51% 14,276 17,276 200,000
12/31/98 19.30% 20,721 23,721 200,000
12/31/99 44.61% 35,722 38,122 200,000
 
AIM V.I. Government Securities Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/94 -3.73% 0 2,791 200,000
12/31/95 15.56% 3,500 6,500 200,000
12/31/96 2.29% 6,396 9,396 200,000
12/31/97 8.16% 10,074 13,074 200,000
12/31/98 7.66% 13,876 16,876 200,000
12/31/99 -1.32% 16,771 19,171 200,000
 
Alger American Growth Portfolio

Year Ended:  

Annual Total Return*    

Cash Surrender Value  

Account Value   Death Benefit
12/31/90 4.14% 37 3,037 200,000
12/31/91 40.39% 5,302 8,302 200,000
12/31/92 12.38% 9,365 12,365 200,000
12/31/93 22.47% 15,459 18,459 200,000
12/31/94 1.45% 18,311 21,311 200,000
12/31/95 36.37% 30,258 32,658 200,000
12/31/96 13.35% 37,980 39,780 200,000
12/31/97 25.75% 51,798 52,998 200,000
12/31/98 48.07% 81,278 81,878 200,000
12/31/99 33.74% 112,171 112,171 251,937

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			197

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

Alger American Leveraged AllCap Portfolio
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/96 12.04% 285 3,285 200,000
12/31/97 19.68% 4,329 7,329 200,000
12/31/98 57.83% 12,978 15,978 200,000
12/31/99 78.06% 30,389 33,389 200,000
 
Alger American MidCap Growth Portfolio
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/94 -1.54% 0 2,859 200,000
12/31/95 44.45% 5,296 8,296 200,000
12/31/96 11.90% 9,304 12,304 200,000
12/31/97 15.01% 14,245 17,245 200,000
12/31/98 30.30% 22,901 25,901 200,000
12/31/99 31.85% 35,178 37,578 200,000
 
Alger American Small Capitalization Portfolio
Year Ended:  

Annual Total Return*    

Cash Surrender Value  

Account Value   Death Benefit
12/31/90 8.71% 180 3,180 200,000
12/31/91 57.54% 6,577 9,577 200,000
12/31/92 3.55% 9,680 12,680 200,000
12/31/93 13.28% 14,404 17,404 200,000
12/31/94 -4.38% 16,065 19,065 200,000
12/31/95 44.31% 28,961 31,361 200,000
12/31/96 4.18% 33,383 35,183 200,000
12/31/97 11.39% 40,593 41,793 200,000
12/31/98 15.53% 50,267 50,867 200,000
12/31/99 43.42% 76,139 76,139 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			198

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

Fidelity VIP Growth Portfolio Service Class
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/98 39.38% 1,145 4,145 200,000
12/31/99 37.29% 6,622 9,622 200,000
 
Fidelity VIP Overseas Portfolio Service Class
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/98 12.69% 305 3,305 200,000
12/31/99 42.44% 5,807 8,807 200,000
 
Fidelity VIP II Asset Manager Portfolio Service Class
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/98 14.82% 372 3,372 200,000
12/31/99 11.01% 3,874 6,874 200,000
 
Fidelity VIP II Index 500 Portfolio
Year Ended:  

Annual Total Return*    

Cash Surrender Value  

Account Value   Death Benefit
12/31/93 9.74% 213 3,213 200,000
12/31/94 1.04% 3,072 6,072 200,000
12/31/95 37.19% 9,131 12,131 200,000
12/31/96 22.82% 15,227 18,227 200,000
12/31/97 32.82% 24,706 27,706 200,000
12/31/98 28.31% 36,460 38,860 200,000
12/31/99 20.51% 47,956 49,756 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			199

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

The GCG Trust Liquid Assets Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/90 7.75% 150 3,150 200,000
12/31/91 5.66% 3,297 6,297 200,000
12/31/92 3.13% 6,267 9,267 200,000
12/31/93 2.64% 9,260 12,260 200,000
12/31/94 3.89% 12,432 15,432 200,000
12/31/95 5.51% 16,609 19,009 200,000
12/31/96 5.01% 20,765 22,565 200,000
12/31/97 5.07% 25,001 26,201 200,000
12/31/98 5.13% 29,315 29,915 200,000
12/31/99 4.74% 33,570 33,570 200,000
 
INVESCO VIF-Equity Income Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/95 29.25% 826 3,826 200,000
12/31/96 22.28% 5,151 8,151 200,000
12/31/97 28.17% 10,956 13,956 200,000
12/31/98 15.30% 16,182 19,182 200,000
12/31/99 14.84% 21,995 24,995 200,000
 
INVESCO VIF-High Yield Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/95 19.76% 527 3,527 200,000
12/31/96 16.59% 4,413 7,413 200,000
12/31/97 17.33% 8,888 11,888 200,000
12/31/98 1.42% 11,751 14,751 200,000
12/31/99 9.20% 15,942 18,942 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			200

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

INVESCO VIF-Small Company Growth Fund
Year Ended:  

Annual Total Return*    

Cash Surrender Value  

Account Value   Death Benefit
12/31/98 16.38% 421 3,421 200,000
12/31/99 91.06% 9,141 12,141 200,000
 
INVESCO VIF-Total Return Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/95 22.79% 623 3,623 200,000
12/31/96 12.18% 4,228 7,228 200,000
12/31/97 22.91% 9,243 12,243 200,000
12/31/98 9.56% 13,347 16,347 200,000
12/31/99 -3.40% 15,249 18,249 200,000
INVESCO VIF-Utilities Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/95 9.08% 192 3,192 200,000
12/31/96 12.76% 3,785 6,785 200,000
12/31/97 23,41% 8,751 11,751 200,000
12/31/98 25.48% 15,156 18,156 200,000
12/31/99 19.13% 21,728 24,728 200,000
 
Janus Aspen Aggressive Growth Portfolio Service Shares
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/94 16.19% 415 3,415 200,000
12/31/95 27.28% 4,977 7,977 200,000
12/31/96 7.33% 8,448 11,448 200,000
12/31/97 12.29% 12,875 15,875 200,000
12/31/98 33.33% 21,698 24,698 200,000
12/31/99 122.20% 58,583 60,983 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			201

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

Janus Aspen Growth Portfolio Service Shares
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/94 2.58% 0 2,998 200,000
12/31/95 29.92% 4,598 7,598 200,000
12/31/96 17.73% 9,146 12,146 200,000
12/31/97 21.84% 15,097 18,097 200,000
12/31/98 34.71% 24,931 27,931 200,000
12/31/99 42.50% 41,124 43,524 200,000
 
Janus Aspen International Growth Portfolio Service Shares
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/95 23.15% 634 3,634 200,000
12/31/96 34.07% 5,709 8,709 200,000
12/31/97 17.22% 10,385 13,385 200,000
12/31/98 16.14% 15,665 18,665 200,000
12/31/99 78.93% 35,242 38,242 200,000
 
Janus Aspen Worldwide Growth Portfolio Service Shares
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/94 1.47% 0 2,953 200,000
12/31/95 27.25% 4,392 7,392 200,000
12/31/96 28.21% 9,994 12,994 200,000
12/31/97 20.90% 15,974 18,974 200,000
12/31/98 27.13% 24,447 27,447 200,000
12/31/99 62.98% 46,657 49,057 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			202

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

Neuberger Berman Growth Portfolio
Year Ended:  

Annual Total Return*    

Cash Surrender Value  

Account Value   Death Benefit
12/31/90 -8.19% 0 2,651 200,000
12/31/91 29.73% 4,152 7,152 200,000
12/31/92 9.54% 7,794 10,794 200,000
12/31/93 6.79% 11,388 14,388 200,000
12/31/94 -4.99% 13,093 16,093 200,000
12/31/95 31.73% 22,298 24,698 200,000
12/31/96 9.14% 27,846 29,646 200,000
12/31/97 29.01% 40,174 41,374 200,000
12/31/98 15.53% 49,784 50,384 200,000
12/31/99 50.40% 79,154 79,154 200,000
 
Neuberger Berman Limited Maturity Bond Portfolio
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/90 8.32% 168 3,168 200,000
12/31/91 11.34% 3,670 6,670 200,000
12/31/92 5.18% 6,847 9,847 200,000
12/31/93 6.63% 10,363 13,363 200,000
12/31/94 -0.15% 12,913 15,913 200,000
12/31/95 10.94% 18,138 20,538 200,000
12/31/96 4.31% 22,198 23,998 200,000
12/31/97 6.74% 26,947 28,147 200,000
12/31/98 4.39% 31,134 31,724 200,000
12/31/99 1.48% 34,336 34,336 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			203

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

Neuberger Berman Partners Portfolio
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/95 36.47% 1,054 4,054 200,000
12/31/96 29.57% 5,947 8,947 200,000
12/31/97 31.25% 12,337 15,337 200,000
12/31/98 4.21% 15,735 18,735 200,000
12/31/99 7.37% 19,871 22,871 200,000
 
Van Eck Worldwide Bond Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/90 11.25% 260 3,260 200,000
12/31/91 18.39% 4,217 7,217 200,000
12/31/92 -5.25% 6,356 9,356 200,000
12/31/93 7.79% 9,985 12,985 200,000
12/31/94 -1.32% 12,353 15,353 200,000
12/31/95 17.30% 18,684 21,084 200,000
12/31/96 2.53% 22,339 24,139 200,000
12/31/97 2.38% 25,921 27,121 200,000
12/31/98 12.75% 32,556 33,156 200,000
12/31/99 -7.82% 32,452 32,452 200,000
 
Van Eck Worldwide Emerging Markets Fund
Year Ended:   Annual Total Return*     Cash Surrender Value   Account Value   Death Benefit
12/31/96 26.82% 749 3,749 200,000
12/31/97 -11.61% 2,751 5,751 200,000
12/31/98 -34.15% 2,457 5,457 200,000
12/31/99 100.28% 13,670 16,670 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			204

HYPOTHETICAL ILLUSTRATIONS (continued)
Nonsmoker Male Age 45
Preferred Risk Class
Stated Death Benefit $200,000
Cash Value Accumulation Test
Death Benefit Option 1
Annual Premium $3,750

Van Eck Worldwide Hard Assets Fund
Year Ended:  

Annual Total Return*    

Cash Surrender Value  

Account Value   Death Benefit
12/31/91 -2.93% 0 2,816 200,000
12/31/92 -4.09% 2,373 5,373 200,000
12/31/93 64,83% 10,502 13,502 200,000
12/31/94 -4.78% 12,357 15,357 200,000
12/31/95 10.99% 16,927 19,927 200,000
12/31/96 18.04% 24,189 26,589 200,000
12/31/97 -1.67% 26,716 28,516 200,000
12/31/98 -30.93% 19,963 21,163 200,000
12/31/99 21.00% 27,843 28,443 200,000
 
Van Eck Worldwide Real Estate Fund
Year Ended:   Annual Total Return*   Cash Surrender Value   Account Value   Death Benefit
12/31/98 -11.35% 0 2,553 200,000
12/31/99 -2.01% 2,239 5,239 200,000

The assumptions underlying these values are described in Performance Information, page 196.

* These annual total return figures reflect the portfolio's management fees and other operating expenses but do not reflect the policy level or separate account asset-based charges and deductions which, if reflected, would result in lower total return figures than those shown.




Asset Portfolio Manager   			205



PART II

UNDERTAKING TO FILE REPORTS

Incorporated herein by reference to Post-Effective Amendment No. 4 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on May 1, 1997 (File No. 33-74190).

UNDERTAKING REGARDING INDEMNIFICATION

Incorporated herein by reference to Post-Effective Amendment No. 4 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on May 1, 1997 (File No. 33-74190).

UNDERTAKING REQUIRED BY SECTION 26(e)(2)(A) OF THE INVESTMENT
COMPANY ACT OF 1940, AS AMENDED

Security Life of Denver Insurance Company represents that the fees and charges deducted under the Policy, in the aggregate, are reasonable in relation to the services rendered, the expenses expected to be incurred and the risks assumed by the Company.

Contents of Registration Statement

This Registration Statement comprises the following papers and documents:

     The facing sheet.

     Cross-Reference table.

     The undertaking to file reports.

     The undertaking regarding indemnification.

     The undertaking required by Section 26(e)2(A) of the Investment Company Act of 1940, as amended.

     The signatures.

     Written consents of the following persons:

          James L. Livingston, Jr. (See Exhibit 6.A.).
          Ernst & Young LLP (See Exhibit 7.A.).
          Sutherland Asbill & Brennan LLP (See Exhibit 7.B.).




Asset Portfolio Manager   			II - 1

     The following exhibits:

1.A(1)     Resolution of the Executive Committee of the Board of Directors of Security Life of Denver Insurance Company ("Security Life of Denver") authorizing the establishment of the Registrant.6

     (2)     Not Applicable.

     (3)(a) Security Life of Denver Distribution Agreement.6

               (i)     Amendment to Security Life of Denver Insurance Company Distribution Agreement.8

               (ii)     Amendment to Security Life of Denver Insurance Company Distribution Agreement.7

               (iii)     Amendment to Security Life of Denver Insurance Company Distribution Agreement.

          (b)     Specimen Broker/Dealer Supervisory and Selling Agreement for Variable Contracts with Compensation Schedule. 5

               (i)     Broker/Dealer Supervisory and Selling Agreement for Variable Contracts with Paine Webber Incorporated.1

               (ii)     Compensation Schedule.

          (c) Commission Schedule for Policies.

          (d) Specimen Master Sales and Supervisory Agreement with Compensation Schedule.11

     (4)     Not Applicable.

     (5)(a) Specimen Variable Universal Life Insurance Policy (Form No. 2511 (VUL)-2/01).

               (i) Adjustable Term Insurance Rider (Form No. R2000-3/96).

               (ii) Waiver of Cost of Insurance Rider (Form No. R-1505).

               (iii) Waiver of Specified Premium Total Disability Rider (Form No. R-1506).

               (iv) Accelerated Death Benefit Rider (Form No. R2022-3/01).

     (6)(a) Security Life of Denver's Restated Articles of Incorporation.6

          (b-g) Amendments to Articles of Incorporation through June 12, 1987.6

          (h) Security Life of Denver's By-Laws.6

               (i)     Bylaws of Security Life of Denver Insurance Company (Restated with Amendments through September 30, 1997). 4

     (7)     Not Applicable.

     (8)(a)      Addendum to Sales Agreement.6

               (i)     Participation Agreement by and among AIM Variable Insurance Funds, Inc., Life Insurance Company, on Behalf of Itself and its Separate Accounts and Name of Underwriter of Variable Contracts and Policies. 5

               (ii)     Sales Agreement by and among The Alger American Fund, Fred Alger Management, Inc., and Security Life of Denver Insurance Company.6

               (iii)     Sales Agreement by and among Neuberger & Berman Advisers Management Trust, Neuberger & Berman Management Incorporated, and Security Life of Denver Insurance Company.6




Asset Portfolio Manager   			II - 2

               (iv)     Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company. 6

               (v)     Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.6

               (vi)     Participation Agreement among INVESCO Variable Investment Funds, Inc., INVESCO Funds Group, Inc., and Security Life of Denver Insurance Company.6

               (vii)     Participation Agreement between Van Eck Investment Trust and the Trust's investment adviser, Van Eck Associates Corporation, and Security Life of Denver Insurance Company.6

               (viii)Participation Agreement among Security Life of Denver Insurance Company, The GCG Trust and Directed Services, Inc.13

          (b) (i)     First Amendment to Fund Participation Agreement between Security Life of Denver, Van Eck Investment Trust and Van Eck Associates Corporation. 5

               (ii)     Second Amendment to Fund Participation Agreement between Security Life of Denver, Van Eck Worldwide Insurance Trust and Van Eck Associates Corporation. 5

               (iii)     Assignment and Modification Agreement between Neuberger & Berman Advisers Management Trust, Neuberger & Berman Management Incorporated, Neuberger & Berman Advisers Management Trust, Advisers Managers Trust and Security Life of Denver Insurance Company. 5

               (iv)     First Amendment to Participation Agreement by and among The Alger American Fund, Fred Alger Management, Inc., Security Life of Denver Insurance Company.6

               (v)     First Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.6

               (vi)     Second Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.6

               (vii)     First Amendment to Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.6

              (viii)  Second Amendment to Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.6

               (ix)     First Amendment to Participation Agreement among Security Life of Denver Insurance Company, INVESCO Variable Investment Funds, Inc. and INVESCO Funds Group, Inc.6

               (x)     Third Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.9

               (xi)     Third Amendment to Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.9

               (xii)     Fourth Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.4

               (xiii)     Fourth Amendment to Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.4

               (xiv)     Amendment No. 2 to Participation Agreement among AIM Variable Insurance Funds, Inc., Security Life of Denver Insurance Company and ING America Equities, Inc.4

               (xv)     Fourth Amendment to Participation Agreement among Security Life of Denver Insurance Company, INVESCO Investment Funds, Inc. and INVESCO Funds Group, Inc.6

               (xvi)     Amendment No. 3 to Participation Agreement among AIM Variable Insurance Funds, Inc., Security Life of Denver Insurance Company and ING America Equities, Inc.6

               (xvii)     Fifth Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.6




Asset Portfolio Manager   			II - 3

               (xviii)     Fifth Amendment to Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.6

               (xix)     Amendment No. 4 to Participation Agreement among AIM Variable Insurance Funds, Inc., Security Life of Denver Insurance Company and ING America Equities, Inc.10

               (xx)     Sixth Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.10

               (xxi)     Sixth Amendment to Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.10

               (xxii)     Fifth Amendment to Participation Agreement among Security Life of Denver Insurance Company, INVESCO Variable Investment Funds, Inc. and INVESCO Funds Group, Inc.10

               (xxiii)     Seventh Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.11

               (xxiv)     Seventh Amendment to Participation Agreement among Variable Insurance Products Fund II, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.12

               (xxv)     Eighth Amendment to Participation Agreement among Variable Insurance Products Fund, Fidelity Distributors Corporation and Security Life of Denver Insurance Company.12

               (xxvi)     Addendum to Fund Participation Agreement among Security Life of Denver Insurance Company, Neuberger Berman Advisers Management Trust, Advisers Managers Trust and Neuberger Berman Management Inc.12

               (xxvii)     Fund Participation Agreement between Janus Aspen Series and Security Life of Denver Insurance Company.12

               (xxviii) Amendment to Janus Aspen Series Fund Participation Agreement.

               (xxix)     Amendment No. 5 to Participation Agreement among AIM Variable Insurance Funds, Inc., Security Life of Denver Insurance Company and ING America Equities, Inc.

               (xxx)     Amendment to Participation Agreement among Security Life of Denver Insurance Company, The GCG Trust and Directed Services, Inc.

               (xxxi)     Sixth Amendment to Participation Agreement among Security Life of Denver Insurance Company, INVESCO Variable Investment Funds, Inc. and INVESCO Funds Group, Inc.

          (c) (i)     Service Agreement between Fred Alger Management, Inc. and Security Life of Denver Insurance Company.6

                (ii)     Expense Allocation Agreement between A I M Advisors, Inc., AIM Distributors, Inc. and Security Life of Denver.9

                (iii)     Service Agreement between INVESCO Funds Group, Inc. and Security Life of Denver Insurance Company.9

                (iv)     Service Agreement between Neuberger & Berman Management Incorporated and Security Life of Denver Insurance Company.9

                (v)      Service Agreement between Fidelity Investments Institutional Operations Company, Inc. and Security Life of Denver Insurance Company.9

                (vi)     Side Letter between Van Eck Worldwide Insurance Trust and Security Life of Denver.9

               (vii)     Distribution and Shareholder Services Agreement between Janus Distributors, Inc. and Security Life of Denver Insurance Company.12

          (d) Administrative Services Agreement between Security Life of Denver and Financial Administrative Services Corporation.6

          (e) Amendment to Administrative Services Agreement between Security Life of Denver and Financial Administrative Services Corporation.6

     (9)     Not Applicable.

     (10)(a) Specimen Variable Life Insurance Application (Form No. Q-2006-9/97).2

               (i)     Variable Life Application Insert.

     (11) Issuance, Transfer and Redemption Procedures Memorandum.




Asset Portfolio Manager   			II - 4

2.     Opinion and Consent of Gary W. Waggoner as to securities being registered.14

3.     Not Applicable.

4.     Not Applicable.

5.     Not Applicable.

6.A     Opinion and Consent of James L. Livingston, Jr.

7.A     Consent of Ernst & Young LLP.
   B     Consent of Sutherland Asbill & Brennan LLP.

8.     Not Applicable.

_______________

1     Incorporated herein by reference to Post-Effective Amendment No. 4 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on April 30, 1997 (File No. 33-88148).

2     To be used on or before May 1, 1998.

3     To be used on or before May 1, 1998, where Exhibit 1.A(10)(a)(i) has not been approved.

4     Incorporated herein by reference to Post-Effective Amendment No. 5 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on October 29, 1997 (File No. 33-74190).

5     Incorporated herein by reference to Post-Effective Amendment No. 6 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on March 2, 1998 (File No. 33-74190).

6     Incorporated herein by reference to Post-Effective Amendment No. 7 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on April 27, 1998 (File No. 33-74190).

7     Incorporated herein by reference to the Post-Effective Amendment No. 10 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on April 23, 1999 (File No. 33-74190).

8     Incorporated herein by reference to the Pre-Effective Amendment No. 1 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on December 3, 1999 (File No. 333-90577).

9     Incorporated herein by reference to the Post-Effective Amendment No. 11 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on April 29, 1999 (File No. 33-74190).

10     Incorporated herein by reference to the Post-Effective Amendment No. 1 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on February 29, 2000 (File No. 333-72753).




Asset Portfolio Manager   			II - 5

11     Incorporated herein by reference to the Post-Effective Amendment No. 12 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on April 25, 2000 (File No. 33-74190).

12     Incorporated herein by reference to the Post-Effective Amendment No. 13 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on October 13, 2000 (File No. 33-74190).

13     Incorporated herein by reference to the Pre-Effective Amendment No. 2 to the Form S-6 Registration Statement of Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on February 2, 2000 (File No. 333-90577).

14     Incorporated by reference to the Registration Statement on Form S-6 for Security Life of Denver Insurance Company and its Security Life Separate Account L1, filed with the Securities and Exchange Commission on November 20, 2000 (File No. 333-50278).






Asset Portfolio Manager   			II - 6

SIGNATURES

Pursuant to the requirements of the Securities Act of 1933, Security Life of Denver Insurance Company and the Registrant, Security Life Separate Account L1, have duly caused this Registration Statement to be signed on their behalf by the undersigned, hereunto duly authorized, and their seal to be hereunto fixed and attested, all in the City and County of Denver and the State of Colorado on the 22nd day of January, 2001.

                         SECURITY LIFE OF DENVER INSURANCE COMPANY

                         (Depositor)

                                                   BY: /s/ Stephen M. Christopher
                                                        Stephen M. Christopher
                                                        President

(Seal)

ATTEST:

/s/ Gary W. Waggoner
Gary W. Waggoner

                                                   SECURITY LIFE SEPARATE ACCOUNT L1
                                                   (Registrant)

                                                   BY:     SECURITY LIFE OF DENVER INSURANCE COMPANY
                                                   (Depositor)

                                                   BY:     /s/ Stephen M. Christopher
                                                   Stephen M. Christopher
                                                   President

(Seal)

ATTEST:

/s/ Gary W. Waggoner
Gary W. Waggoner






Asset Portfolio Manager   			II - 7

Pursuant to the requirements of the Securities Act of 1933, this Registration Statement has been signed below by the following persons in the capacities with Security Life of Denver Insurance Company and on the date indicated.

PRINCIPAL EXECUTIVE OFFICERS:

/s/ Stephen M. Christopher
Stephen M. Christopher
President, Chief Executive Officer and Chairman

/s/ James L. Livingston, Jr.
James L. Livingston, Jr.
Executive Vice President, CFO and Chief Actuary

 

PRINCIPAL ACCOUNTING OFFICER:

/s/ Shari A. Enger
Shari A. Enger
Vice President and Controller

DIRECTORS:

/s/ Michael W. Cunningham
Michael W. Cunningham

/s/ Mark A. Tullis
Mark A. Tullis






Asset Portfolio Manager   			II - 8

EXHIBIT INDEX

Exhibit No. Description of Exhibit
1.A.(3)(a)(iii) Amendment to Security Life of Denver Insurance Company Distribution Agreement.
1.A.(3)(b)(ii) Compensation Schedule.
1.A.(3)(c) Commission Schedule for Policies.
1.A.(5)(a) Specimen Variable Universal Life Insurance Policy (Form No. 2511 (VUL)-2/01
1.A.(5)(a)(i) Adjustable Term Insurance Rider (Form No. R2000-3/96).
1.A.(5)(a)(ii) Waiver of Cost of Insurance Rider (Form No. R-1505).
1.A.(5)(a)(iii) Waiver of Specified Premium Total Disability Rider (Form No. R-1506).
1.A.(5)(a)(iv) Accelerated Death Benefit Rider (Form No. R2022-3/01).
1.A.(8)(b)(xxviii)    Amendment to Janus Aspen Series Fund Participation Agreement.
1.A.(8)(b)(xxix) Amendment No. 5 to Participation Agreement among AIM Variable Insurance Funds, Inc., Security Life of Denver Insurance Company and ING America Equities, Inc.
1.A.(8)(b)(xxx) Amendment to Participation Agreement among Security Life of Denver Insurance Company, The GCG Trust and Directed Services, Inc.
1.A.(8)(b)(xxxi) Sixth Amendment to Participation Agreement among Security Life of Denver Insurance Company, INVESCO Variable Investment Funds, Inc. and INVESCO Funds Group, Inc.
1.A.(10)(a)(i) Variable Life Application Insert.
1.A.(11) Issuance, Transfer and Redemption Procedures Memorandum.
6.A. Opinion and Consent of James L. Livingston, Jr.
7.A. Consent of Ernst & Young LLP.
7.B. Consent of Sutherland Asbill & Brennan LLP.





Asset Portfolio Manager   			II - 9

EX-1.A.(3)(A)(III) 2 apm_distagmtamdt.htm DISTRIBUTION AGREEMENT Amendment to Dsitribution Agreement December 15, 2000

Exhibit 1.A.(3)(a)(iii)

AMENDMENT TO SECURITY LIFE OF DENVER INSURANCE COMPANY
DISTRIBUTION AGREEMENT

     WHEREAS, Security Life and ING America Equities, Inc. (formerly known as SLD Equities Inc.) entered into a Distribution Agreement dated September 22, 1994;

     WHEREAS, the parties now desire to modify the list of products issued by Security Life and distributed by ING America Equities, Inc.;

     NOW THEREFORE, in consideration of mutual promises and covenants, the parties agree as follows:

  1. Schedule "A", Compensation Schedule is hereby deleted and replaced with the new Schedule "A" attached hereto.

Effective this 15th day of December, 2000.

By:  /s/ Stephen M. Christopher By:  /s/ James L. Livingston, Jr.
Stephen M. Christopher, PresidentJames L. Livingston, Jr., President
Security Life of Denver Insurance Company     ING America Equities, Inc.



SCHEDULE "A"

COMPENSATION SCHEDULE

This Schedule "A" to the Distribution Agreement between Security Life of Denver Insurance Company ("Security Life") and ING America Equities, Inc. ("INGAE") dated September 22, 1994, sets forth the compensation to be paid to INGAE for its services as underwriter and distributor of the following products.

1.     EXCHEQUER ANNUITY (no longer being sold or issued)
A Flexible Premium Deferred Combination Fixed & Variable Annuity Contract
 
Total Gross Dealer Concessions earned in the first year by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE (pursuant to the Selling Broker-Dealer's election, this will be either 5% or 6% of funds actually received and accepted by Security Life during the first year of the contract), plus an additional 1% of funds actually received and accepted by Security Life during the first year of the contract.
 
After the first year, all Trail Commissions calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
2.     FIRSTLINE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.
 
3.     FIRSTLINE II
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.
 
4.     STRATEGIC ADVANTAGE (no longer being sold or issued)
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
5.     STRATEGIC ADVANTAGE II
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.
 
6.     VARIABLE SURVIVORSHIP UNIVERSAL LIFE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.
 
7.     CORPORATE BENEFITS VARIABLE UNIVERSAL LIFE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
8.     ESTATE DESIGNER VARIABLE UNIVERSAL LIFE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.
 
9.     STRATEGIC BENEFIT VARIABLE UNIVERSAL LIFE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
10.     PEAKPLUS PRIVATE PLACEMENT VARIABLE UNIVERSAL LIFE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.
 
11.     MAGNASTAR PRIVATE PLACEMENT VARIABLE UNIVERSAL LIFE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.
 
12.     ASSET PORTFOLIO MANAGER VARIABLE UNIVERSAL LIFE
A Flexible Premium Variable Universal Life Policy
 
Total Gross Dealer Concessions earned by Selling Broker-Dealer pursuant to its Selling Agreement with Security Life and INGAE.
 
All Trail Commissions, including Renewal and Ultimate Commissions, calculated by Security Life to be due and payable to the Selling Broker-Dealers under the Selling Agreements.
 
Additional payments as are due for override payments, expense allowances, bonuses, wholesale fees and other expenses.

All commissions shall be paid only on an earned basis, as calculated in the next commission cycle. EX-1.A.(3)(B)(II) 3 apm_schedl.htm SCHEDULE L Asset Portfolio Manager Schedule L

Exhibit 1.A.(3)(b)(ii)

SCHEDULE L

COMPENSATION SCHEDULE
TO SELLING AGREEMENT FOR SECURITY LIFE
ASSET PORTFOLIO MANAGER
JOINT SURVIVOR VARIABLE UNIVERSAL LIFE

This Schedule is an attachment to the ING America Equities, Inc. ("ING America Equities") Selling Agreement by and among the parties pursuant to paragraph 17 of that Selling Agreement, effective as of __________________, 2001 or the date that Selling Broker-Dealer submits an application for this product, whichever is later. The provisions of this Schedule shall apply only to Security Life Asset Portfolio Manager policies solicited and issued while this Schedule is in effect. All compensation payable under this Schedule shall be subject to the terms and conditions contained herein at the time of issue of the policy by Security Life of Denver Insurance Company ("Security Life").

          PCA (Primary Commissionable Amount) is the target premium in years one through five (shown on policy schedule pages). Gross premium paid up to the PCA in a year are commissioned at the full PCA rate. A new PCA is generated when a new base coverage segment is created. Note that a death benefit option change does not create a new PCA. Premium dollars are allocated first to PCA, then to SCA, and then to RCA
Under Option M, if the gross premium paid in year one is less than the PCA, the difference is carried over to the second year. Premium received in year two or later up to this difference are commissioned at the full PCA commission rate. No commission is paid on premium in excess of PCA in the first year.
SCA (Secondary Commissionable Amount) is equal to the difference between the gross premium received in each segment year one through five and the corresponding PCA for that year. In the year that a new coverage segment is created all premium received in excess of the PCA total for that year is commissioned at the RCA rate. There is no SCA under Option M.
RCA (Renewable Commissionable Amount) equals the gross premium received per segment year six (Option S) or year two (Option M) and thereafter.
  1. Commission Structure - Option S(Standard):
PCA SCA RCA Trail
(as a percent of net account value)
Year 1 Years 2-5 Years 1 -5 Years 6-10 Years 11+ Years 2-20 Years 21+
65% 13% 3% 3% 2% 0.15% 0.10%.
  1. Commission Structure - Option M (Modified):
PCA RCA Trail
(as a percent of net account value)
Year 1 Years 2-10 Years 11+ Years 2-20 Years 21+
95% 3% 2% 0.15% 0.10%
  1. Premium Receipt: Premium received within 15 days prior to a policy anniversary will result in the agent receiving commissions at the same rate as if the premium was paid on the anniversary date.
     
  2. Selection of Commission Structure: is made at the time of policy application and cannot be changed once the application is received by Security Life. If no commission structure is requested on the application, Option S will apply.
     
  3. Trail Commissions: For policy years two through twenty, the trail commission is 0.15% on an annualized basis and for policy years twenty-one and thereafter the trail commission is 0.10% on an annualized basis. Trail commission is calculated at the end of each month based on the policy's net account value at the end of the prior month.
         The trail commission is payable monthly at the end of a policy month provided the policy is in force, and not subject to grace period provisions, on that date.
  1. Riders: Commissionable riders will have a separate target premium which is set at issue and is level thereafter. The Adjustable Term Insurance Rider has no target premium associated with it.
     
  2. Commission Calculation: Commissions shall be calculated only on premium actually received and accepted by Security Life. Commissions shall be paid only on an earned basis. Outstanding loan amounts carried over as part of a 1035 exchange are not considered commissionable premium.
     
  3. Premium Allocation: If the Stated Death Benefit has been increased since the policy date, premiums received are allocated to the coverage segments in the same proportion that the target premium for each segment bears to the total target premium for all policy stated death benefit segments.
     
  4. Death Benefit Increases: If a premium payment accompanies a request for a Stated Death Benefit increase or is received while a request is pending, the payment will be applied to the policy but commissions shall not be payable until the increase is effective. The commission shall then be payable based on the premium being allocated among all segments as it would normally and the new target premium after the increase.
     
  5. Compensation Payments: Compensation on initial premiums shall be due to the Selling Broker-Dealer at the time of the issuance of the policy. Thereafter, it shall be payable at the time of the receipt and acceptance of premium by Security Life, except that the amount, and the time of payment of compensation on stated death benefit increases, replacements, reissues, changes, conversions, exchanges, term renewals, term conversions, premiums paid in advance, policies issued on a "guaranteed issue" basis, policies requiring facultative reinsurance arrangements, and other special cases and programs shall be governed by Security Life's underwriting and administrative rules then in effect. The Compensation shall be payable to the Selling Broker-Dealer in accordance with the Schedule L in effect at the time of issue of the policy.
     
  6. Internal Exchanges: Commissions on the exchange of any policy issued by Security Life or any other ING affiliate for an Asset Portfolio Manager policy, if any, will be paid in accordance with the internal exchange procedures in effect at Security Life on the date the exchange is completed. The commission rates and/or target premiums may be adjusted in accordance with the rules in effect at the time of the exchange. If the Representative responsible for the exchange is not the producer of the original policy, and the original producer is still active with Security Life, no commission will be payable to the Representative or the Selling Broker-Dealer.
     
EX-1.A.(3)(C) 4 apm_commsched.htm COMMISSION SCHEDULE Commission Schedule for Asset Portfolio Manager

Exhibit 1.A(3)(c)

Asset Portfolio Manager

Standard Dealer Concession:

Expressed as a Percent of Premium

Year Up to Target Above Target Marketing Allowance
(Percent of Commission)
1 65% 3% 12%
2-5 13% 3% 12%
6-10 3% 3% 12%
11+ 2% 2% n/a

Modified Dealer Concession:

Expressed as a Percent of Premium

Year Up to Target Above Target Marketing Allowance
(Percent of Commission)
1 95% n/a 12%
2-10 3% 3% 12%
11+ 2% 2% n/a

Asset Trail:

Expressed as a Percent of Net Account Value

Year Annualized Asset Trail
1 n/a
2-20 0.15%*
21+ 0.10%**

* Paid on net account value on a monthly basis at a rate of 0.0125%.
** Paid on net account value on a monthly basis at a rate of 0.00833%. EX-1.A.(5)(A) 5 apm_policy.htm POLICY Asset Portfolio Manager Policy

Exhibit 1.A(5)(a)

Security Life of Denver
Insurance Company
INSURED: JOHN DOE
POLICY DATE: February 1, 2001
POLICY NUMBER: 67000001

WE AGREE TO PAY the death benefit to the beneficiary upon the death of the insured while this policy is in force

WE ALSO AGREE to provide the other rights and benefits of the policy. These agreements are subject to the provisions of the policy.

RIGHT TO EXAMINE PERIOD. You have the right to examine and return this policy within 10 days after receipt. The policy may be returned by delivering or mailing it to us at our Customer Service Center or to your registered representative. Immediately upon return it will be deemed void as of the policy date. Upon return of the policy to us, we will refund all premiums paid.

Secretary


President

In this policy "you" and "your" refer to the owner of the policy. "We", "us" and "our" refer to Security Life of Denver Insurance Company.

This policy is a FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE INSURANCE POLICY.
This is a NON-PARTICIPATING policy.

Death benefits and other values provided by this contract, when based on the investment experience of a separate account, are variable. These values may increase or decrease based on investment experience and are not guaranteed as to a fixed dollar amount. Death benefits are payable by us upon the death of the insured. There is no maturity date. Flexible premiums are payable by you during the lifetime of the insured until the policy anniversary nearest the insured's 100th birth date.

SECURITY LIFE OF DENVER INSURANCE COMPANY
A Stock Company

Customer Service Center, P. O. Box 173888; Denver, Colorado 80217
Toll Free Number: 1(800) 848-6362



Form 2511(VUL)-2/01


TABLE OF CONTENTS

SCHEDULE     5
DEFINITION OF TERMS     6
INSURANCE COVERAGE PROVISIONS     7
     POLICY DATE      7
     BASE DEATH BENEFIT     7
     CHANGE IN REQUESTED INSURANCE COVERAGE     8
          Requested Increases in Coverage     8
          Requested Decreases in Coverage     8
          Death Benefit Option Changes     8
     CONTINUATION OF COVERAGE AFTER AGE 100     9
     PAYOUT OF PROCEEDS     10
PREMIUM PROVISIONS     10
     SCHEDULED PREMIUMS     10
     UNSCHEDULED PREMIUMS     10
     PREMIUM LIMITATIONS     11
     FAILURE TO PAY PREMIUM     11
     INITIAL PREMIUM ALLOCATION     11
     SUBSEQUENT PREMIUM ALLOCATIONS     11
     CHANGES TO PREMIUM ALLOCATIONS     11
     NET PREMIUM     11
SEPARATE ACCOUNT PROVISIONS     12
     THE SEPARATE ACCOUNT     12
     SEPARATE ACCOUNT DIVISIONS     12
     CHANGES WITHIN THE SEPARATE ACCOUNT     13
GENERAL ACCOUNT PROVISIONS     14
     THE GENERAL ACCOUNT     14



Form 2511(VUL)-2/01			2


     GUARANTEED INTEREST DIVISION     14
     LOAN DIVISION     14
TRANSFER PROVISIONS     14
ACCOUNT VALUE PROVISIONS     14
     ACCOUNT VALUES ON THE INVESTMENT DATE     15
     ACCUMULATION UNIT VALUE     15
     ACCUMULATION EXPERIENCE FACTOR     15
     ACCOUNT VALUE OF THE INVESTMENT OPTIONS OF THE SEPARATE ACCOUNT     15
     ACCOUNT VALUE OF THE GUARANTEED INTEREST DIVISION     16
     ACCOUNT VALUE OF THE LOAN DIVISION     16
MONTHLY DEDUCTIONS      17
     MONTHLY DEDUCTIONS     17
     COST OF INSURANCE     17
LOAN PROVISIONS     18
     POLICY LOANS     18
     LOAN INTEREST     18
     LOAN DIVISION     18
PARTIAL WITHDRAWAL PROVISIONS     18
SURRENDER PROVISIONS     20
     SURRENDER VALUE     20
     SURRENDER CHARGES     20
     BASIS OF COMPUTATIONS     20
     FULL SURRENDERS     20
GRACE PERIOD, TERMINATION AND REINSTATEMENT PROVISIONS     21
     GRACE PERIOD     21
     GUARANTEE PERIOD     21
     TERMINATION     22
     REINSTATEMENT     22



Form 2511(VUL)-2/01			3


     DEFERRAL OF PAYMENT     23
GENERAL POLICY PROVISIONS     23
     THE POLICY     23
     CONTRACT CHANGES     23
     AGE     23
     PROCEDURES     23
     OWNERSHIP     24
     BENEFICIARIES     24
     EXCHANGE RIGHT     24
     COLLATERAL ASSIGNMENT     24
     INCONTESTABILITY     24
     MISSTATEMENT OF AGE OR GENDER     25
     SUICIDE EXCLUSION     25
     PERIODIC REPORTS     25
     ILLUSTRATION OF BENEFITS AND VALUES     25
     NONPARTICIPATING     25
     CUSTOMER SERVICE CENTER     25
PAYOUTS OTHER THAN AS ONE SUM     26
     ELECTION     26
     PAYOUT OPTIONS     26
     CHANGE AND WITHDRAWAL     27
     EXCESS INTEREST     27
     MINIMUM AMOUNTS     27
     SUPPLEMENTARY POLICY     27
     INCOME PROTECTION     27
     DEATH OF PRIMARY PAYEE     28
     PAYMENTS OTHER THAN MONTHLY     28
SETTLEMENT OPTION TABLES     29

Additional benefits or riders, if any, will be listed in the Schedule. The additional provisions will be inserted in the policy.



Form 2511(VUL)-2/01			4


SCHEDULE

POLICY INFORMATION
Policy Number 67000001 Initial Stated Death Benefit $100,000.00
Adjustable Term Insurance Death Benefit $ 50,000.00*
Policy Date February 1, 2001      Target Death Benefit $150,000.00*

Insured JOHN DOE Additional Benefits:
Issue Age And Gender 35, Male Adjustable Term Insurance Rider
Death Benefit Option OPTION 1
Scheduled Premium $2,000.00 Annually


Definition of Life Insurance Test Guideline Premium/Cash Value Corridor Test

 

CUSTOMER SERVICE CENTER:      P. O. Box 173888, Denver, Colorado 80217

Coverage will expire prior to the policy anniversary nearest the insured's 100th birthday if premiums are insufficient to continue coverage. Coverage will also be affected by partial withdrawals, policy loans, changes in the current cost of insurance rates, the actual credited interest rate for the Guaranteed Interest Division and the investment experience of the Separate Account.

*This amount is the amount of adjustable term death benefit on the policy date. This death benefit will vary from time to time, and may depend on your account value. See the rider and policy for derails.

**This amount is the target death benefit on the policy date. It may change at the beginning of each policy year. See the schedule and rider for details.

CUSTOMER SERVICE CENTER: P.O. BOX 173888, Denver, COLORADO 80217
Toll Free Number 1(800) 848-6362

 



Form 2511(VUL)-2/01			5


SCHEDULE (Continued)

SEGMENT BENEFIT PROFILE

Description Segment Stated Death Benefit Amount Segment Effective Date Segment Target Premium Segment Premium Class
(Segment #1) $100,000.00 February 1, 2001 $800.00 Standard NonSmoker

ADDITIONAL BENEFITS:
Adjustable Term Insurance Rider premium class or rating is the same as Segment #1

A segment is a block of death benefit coverage. The stated death benefit shown on the schedule page at issue is Segment #1. Additional segments may be added to the policy after issue to increase the death benefit. Each individual segment added to the policy has its own cost of insurance charges and expense charges as shown in the schedule. This is further defined in the Definition of Terms section of your policy.



Form 2511(VUL)-2/01			5A


SCHEDULE (Continued)

     EXPENSE CHARGES

     A.     Premium Expense Charges (As a percent of all premiums) - Premium expense charges will equal the sum of the following:

          1.     Sales Charge:

Segment Year Sales Charge up to Target Premium
1-5 6.0%
6 and Thereafter 3.5%

          2. Federal Deferred Acquisition Cost Tax Charge and Other Charges (Tax Charge):          4.0%

          We reserve the right to increase or decrease the tax charges due to any change in tax laws. We further reserve the right to increase or decrease the federal deferred acquisition cost tax due to any change in the cost to us.

     B.     Monthly Expense Charges: Monthly expense charges will equal the sum of the following:

 
Policy Charge $15 per month for the first 36 policy months $ 7.50 per policy month thereafter.
 
Monthly Administrative Charge: $[0.04] per thousand of Stated Death Benefit (or Target Death Benefit, if greater), for all years.

                    Monthly administrative charges apply to death benefits up to $5,000,000.00

MORTALITY AND EXPENSE RISK CHARGE

Policy Years Annual Percentage Monthly Percentage
1 through 10 0.90% 0.075%
11 through 20 0.45% 0.0375%
21 and Thereafter 0.0% 0.0%

The appropriate percentage above is multiplied by the account value held in the Separate Account and is deducted monthly.



Form 2511(VUL)-2/01			5B


SCHEDULE (Continued)

SURRENDER CHARGES

     The maximum surrender charges that pertain to the insurance coverages shown in the Schedule are shown in the following table. This table may change upon any increase and/or decrease in the policy's stated death benefit.



SURRENDERS DURING THE POLICY YEAR ENDING TOTAL SURRENDER CHARGE
2002 $800.00
2003 $800.00
2004 $800.00
2005 $800.00
2006 $800.00
2007 $640.00
2008 $480.00
2009 $320.00
2010 $160.00
2011 0

This charge is reduced by 20.0% per year starting 6 policy years after the segment's effective date until it reaches zero at the beginning of the 10th policy year following that segment's effective date.



Form 2511(VUL)-2/01			5C


SCHEDULE (Continued)

POLICYHOLDER TRANSACTION CHARGES
Requests for sales illustrations: First illustration each year is free of charge; thereafter $25 for each illustration requested.
Partial withdrawal service fee: See below

POLICY LOANS
Policy Loan Interest Rate: 3.75% per year in the first 10 policy years; 3.15% per year thereafter.
Guaranteed Interest Rate Credited To Loan Division: 3.00% per year
Minimum Loan Amount: $100
Maximum Loan Amount: See the Loan Provisions section.

PARTIAL WITHDRAWALS
Minimum Partial Withdrawal Amount: $100
Maximum Partial Withdrawal Amount: Amount which will leave $500 as the net cash surrender value
Partial Withdrawal Service Fee: The lesser of $25 or 2% of the partial withdrawal amount.
Limit On Partial Withdrawals: Twelve in a policy year

GUARANTEED INTEREST DIVISION
Guaranteed Interest Rate For Guaranteed Interest Division: 3.00% per year

 



Form 2511(VUL)-2/01			5D


SCHEDULE (Continued)

To comply with the Definition of Life Insurance Test you have elected, the policy's base death benefit at any time will be at least equal to the account value times the appropriate factor from this table.

DEFINITION OF LIFE INSURANCE DEATH BENEFIT FACTORS BASED ON
THE GUIDELINE PREMIUM / CASH VALUE CORRIDOR TEST


ATTAINED AGE FACTOR ATTAINED AGE FACTOR ATTAINED AGE FACTOR ATTAINED AGE FACTOR
0-40 2.50            
41 2.43 56 1.46 71 1.13 86 1.05
42 2.36 57 1.42 72 1.11 87 1.05
43 2.29 58 1.38 73 1.09 88 1.05
44 2.22 59 1.34 74 1.07 89 1.05
45 2.15            
    60 1.30 75 1.05 90 1.05
46 2.09 61 1.28 76 1.05 91 1.04
47 2.03 62 1.26 77 1.05 92 1.03
48 1.97 63 1.24 78 1.05 93 1.02
49 1.91 64 1.22 79 1.05 94 1.01
50 1.85            
    65 1.20 80 1.05 95 1.01
51 1.78 66 1.19 81 1.05 96 1.01
52 1.71 67 1.18 82 1.05 97 1.01
53 1.64 68 1.17 83 1.05 98 1.01
54 1.57 69 1.16 84 1.05 99 1.01
55 1.50 70 1.15 85 1.05 100 and older 1.00

 



Form 2511(VUL)-2/01			5E


SCHEDULE (Continued)

GUARANTEED RATES
Guaranteed Maximum Cost of Insurance Rates Per $1000
(These rates are for the base policy.)

Attained Age Monthly Cost of Insurance Rate Attained Age Monthly Cost of Insurance Rate Attained Age Monthly Cost of Insurance Rate Attained Age Monthly Cost of Insurance Rate
0 0.34845 26 0.14419 51 0.60870 76 5.91225
1 0.08917 27 0.14252 52 0.66377 77 6.46824
2 0.08251 28 0.14169 53 0.72636 78 7.04089
3 0.08167 29 0.14252 54 0.79730 79 7.64551
4 0.07917 30 0.14419 55 0.87326 80 8.30507
5 0.07501 31 0.14836 56 0.95591 81 9.03761
6 0.07167 32 0.15252 57 1.04192 82 9.86724
7 0.06667 33 0.15919 58 1.13378 83 10.80381
8 0.06334 34 0.16669 59 1.23235 84 11.82571
9 0.06167 35 0.17586 60 1.34180 85 12.91039
10 0.06084 36 0.18670 61 1.46381 86 14.03509
11 0.06417 37 0.20004 62 1.60173 87 15.18978
12 0.07084 38 0.21505 63 1.75809 88 16.36948
13 0.08251 39 0.23255 64 1.93206 89 17.57781
14 0.09584 40 0.25173 65 2.12283 90 18.82881
15 0.11085 41 0.27424 66 2.32623 91 20.14619
16 0.12585 42 0.29675 67 2.54312 92 21.57655
17 0.13919 43 0.32260 68 2.77350 93 23.20196
18 0.14836 44 0.34929 69 3.02328 94 25.28174
19 0.15502 45 0.37931 70 3.30338 95 28.27411
20 0.15836 46 0.41017 71 3.62140 96 33.10676
21 0.15919 47 0.44353 72 3.98666 97 41.68475
22 0.15752 48 0.47856 73 4.40599 98 58.01259
23 0.15502 49 0.51777 74 4.87280 99 83.33333
24 0.15169 50 0.55948 75 5.37793    
25 0.14752            

The rates shown are for a standard premium class. If the policy is based on a special premium class (other than standard), the maximum cost of insurance rates will be adjusted using the rating factor shown in the Segment Benefit Profile of the Schedule for the special class. If the special premium class is a stated percentage increase, the maximum cost of insurance rates will be determined by multiplying the rates for a standard premium class shown above by the rating factor shown in the Segment Benefit Profile of the Schedule. If the special premium class is a flat amount per $1,000, the maximum cost of insurance rates will be determined by adding the flat amount per $1,000 shown in the Segment Benefit Profile of the Schedule to the rate per $1,000 for the standard premium class shown above. The rates shown above are based on the 1980 Commissioners Standard Ordinary Smoker Composite Mortality Table (Male), age nearest birthday.



Form 2511(VUL)-2/01			5F


DEFINITION OF TERMS

Account value - The sum of the amounts allocated to the investment options of the Separate Account and to the Guaranteed Interest Division, as well as any amount set aside in the Loan Division to secure a policy loan.

Accumulation unit - A unit of measurement used to calculate the account value in each investment option of the Separate Account.

Accumulation unit value - The value of the accumulation units of each investment option of the Separate Account. The accumulation unit value is determined as of each valuation date.

Age ­ The policy is issued at the age shown in the Schedule. The issue age is the age nearest birthday on the policy date.

Base death benefit - The base death benefit is defined in the Base Death Benefit provision of the policy.

Cash surrender value - The amount of your account value minus the surrender charge, if any.

Customer Service Center - Our administrative office whose address is P. O. Box 173888; Denver, CO 80217. For overnight delivery the address is 1290 Broadway, Denver, CO 80203-5699.

General Account - The account which contains all of our assets other than those held in the separate account or our other separate accounts.

Guaranteed Interest Division - Part of our General Account to which a portion of the account value may be allocated and which provides guarantees of principal and interest.

Initial period - The initial period ends on the earlier of: a) the date this policy was delivered to you plus the Right to Examine Period, so long as we receive notice of the delivery date at our Customer Service Center before the date defined in (b), or (b) the date this policy is mailed from our Customer Service Center plus five days plus the Right to Examine Period.

Investment date -The date we allocate funds to your policy. We will allocate the initial net premium to your policy on the valuation date immediately following the latest of the date: 1) we receive the amount of premium required for coverage to begin under the policy; and 2) we have approved the policy for issue, and 3) all issue requirements have been met and received in our Customer Service Center.

Investment options of the Separate Account - The investment options available, each of which invests in shares of one of the portfolios.

Loan Division - Part of our General Account in which funds are set aside to secure any outstanding policy loan and accrued loan interest when due.

Monthly processing date - The date each month on which the monthly deductions from the account value are due. The first monthly processing date will be the policy date or the investment date, if later. Subsequent monthly processing dates will be the same date as the policy date each month thereafter unless this is not a valuation date, in which case the monthly processing date occurs on the next valuation date.

Net account value - The amount of the account value minus any policy loan and accrued loan interest.

Net cash surrender value - The amount of the cash surrender value minus any policy loan and accrued loan interest.

Net premium - The net premium equals the premium paid minus the premium expense charges shown in the Schedule. These charges are deducted from the premiums before the premium is applied to your account value.

 



Form 2511(VUL)-2/01			6


Partial withdrawal - The withdrawal of a portion of your net cash surrender value from the policy. The partial withdrawal may cause a surrender charge to be incurred and may reduce the amount of base death benefit in force.

Policy loan - The sum of amounts you have borrowed from your policy, increased by any policy loan interest capitalized when due, and reduced by any policy loan repayments.

Right to examine period - The period of time within which the owner may examine the policy and return it for a refund. See the cover page for your right to examine period.

Scheduled premium - The premium amount you specify on the application as the amount you intend to pay at fixed intervals over a specified period of time. Premiums may be paid on a quarterly, semiannual, or annual basis, as you determine; you need not pay the scheduled premium, and you may change it at any time. Also, within limits, you may pay less or more than the scheduled premium.

Segment - The stated death benefit shown on the benefit profile of the Schedule is the initial segment, or Segment 1. Each increase in the stated death benefit (other than an option change) is a new segment. Each new segment will be shown separately on the Segment Benefit Profile of the Schedule. The first year for a segment begins on the effective date of the segment and ends one year later. Each subsequent year begins at the end of the prior segment year. Each new segment may be subject to a new sales charge, new surrender charges, new cost of insurance charges and new incontestability and suicide exclusion periods.

Segment premium ­ The actual premium received allocated to existing segments. Premium is allocated in the same proportion that the segment target premium bears to the sum of all segment target premium. If there is only one segment target premium, the entire premium is allocated to the segment. Segment target premium is shown in the Schedule. As each segment has unique segment years, each segment premium is associated with a segment year.

Stated death benefit -The sum of the segments under the policy. The stated death benefit changes when there is an increase or a decrease or when a transaction on the policy causes it to change (for example, a partial withdrawal under an Option 1 base death benefit may cause the stated death benefit to change).

Surrender charge - The charge made against your account value in the event of surrender, policy lapse, requested reductions in the stated death benefit, or certain partial withdrawals.

Target death benefit - The target death benefit for your policy is defined in the Adjustable Term Insurance Rider, if any, attached to the policy.

Valuation date - Each date as of which the net asset value of the shares of the investment portfolios and unit values of the investment options are determined:

Except for days that a Division's corresponding portfolio does not value its shares, a Valuation Date is any day:
(a) The New York Stock Exchange ("NYSE") is open for trading and on which Security Life's Customer Service Center is open for business; or
(b) as may be required by law.

Valuation period - The period which begins at 4:00 p.m. Eastern Time on a Valuation Date and ends at 4:00 p.m. Eastern Time on the next succeeding Valuation Date.



Form 2511(VUL)-2/01			6a


INSURANCE COVERAGE PROVISIONS

POLICY DATE

The policy date shown in the Schedule is the effective date for all coverage provided in the original application. The policy date is the date from which we measure policy years and determine the monthly processing date. The first monthly processing date is the investment date. Future monthly processing dates are the same calendar day of each month as the policy date unless this is not a valuation date in which case the monthly processing date occurs on the next valuation date. A policy anniversary occurs each year on the same month and day as the policy date unless this is not a valuation date in which case the policy anniversary occurs on the next valuation date. The effective date for new segments and additional benefits is shown in the Schedule.

BASE DEATH BENEFIT

The base death benefit will be, at any time, determined as follows:

Option 1: Under Option 1, the base death benefit is the greater of:
                (a) the stated death benefit; or
                (b) the account value multiplied by the appropriate factor from the Death Benefit Factors shown in the Schedule.

Option 2: Under Option 2, the base death benefit is the greater of:
                (a) the stated death benefit plus the account value, or
                (b) the account value multiplied by the appropriate factor from the Death Benefit Factors shown in the Schedule.

Option 3: Under Option 3, the base death benefit is the greater of:
                (a) the stated death benefit plus premiums received less partial withdrawals, or
                (b) the account value multiplied by the appropriate factor from the Death Benefit Factors shown in the Schedule.

The stated death benefit and the death benefit option are shown in the Schedule.

This policy is designed to qualify as a life insurance contract under the Internal Revenue Code. All terms and provisions of the policy shall be construed in a manner consistent with that design. The base death benefit in force at any time shall not be less than the amount of insurance necessary to achieve such qualification under the applicable provisions of the Internal Revenue Code in existence at the time the policy is issued. We reserve the right to amend the policy or adjust the amount of insurance when required. We will send you a copy of any policy amendment.



Form 2511(VUL)-2/01			7


CHANGE IN REQUESTED INSURANCE COVERAGE

You may request that the insurance coverage be increased or decreased. Decreases are not allowed before the first policy anniversary. The change in coverage may not be for an amount less than $1,000. The effective date of the change will be the monthly processing date immediately following the date your written application is approved by us. After any change to the stated death benefit, you will receive an amended Schedule reflecting the change, the benefit under any riders, if applicable, the guaranteed cost of insurance rates, the new target premium and the new surrender charge.

Requested Increases in Coverage

Subject to our limits, you may request an increase in the stated death benefit through attained age 85. An increase will become effective as of the monthly processing date immediately following the date your written application is approved by us. You must provide evidence satisfactory to us that the insured is insurable according to our normal rules of underwriting for this type of policy. This evidence will include an application and may include required medical information. An increase will consist of a new segment of stated death benefit. Each new segment will result in a new sales charge which will be deducted from the premium allocated to the new segment. The new segment may also be subject to new surrender charges; new per thousand of stated death benefit charges; new cost of insurance charges and new incontestability and suicide exclusion periods.

Requested Decreases in Coverage

After the first policy anniversary, you may request a decrease in the stated death benefit. A decrease will be effective as of the monthly processing date immediately following the date your written application is approved by us. A decrease will first reduce Adjustable Term Insurance Rider coverage, if attached to your policy, and will then reduce each of the stated death benefit segments in the same proportion as the stated death benefit is reduced. A surrender charge will apply if the stated death benefit is decreased and the decrease occurs during the 9 years following the policy date or the date of the prior increase. If a surrender charge applies, it will be deducted from your account value and future surrender charges will be reduced.

The stated death benefit after any change must equal the minimum we require to issue this policy.

Death Benefit Option Changes

Beginning with the first monthly processing date and ending with the policy anniversary nearest the insured's 100th birth date, you may request a change to the death benefit option. This change will be effective as of the next monthly processing date following approval. A death benefit option change applies to the entire stated death benefit. We may not allow any change if it would reduce the stated death benefit below the minimum we require to issue this policy at the time of reduction. Death benefit option changes from Option 1 to Option 3, from Option 2 to Option 3 and from Option 3 to Option 2 are not allowed. After the effective date of the change, the stated death benefit will be changed according to the following table:



Form 2511(VUL)-2/01			8


OPTION FROM CHANGE TO STATED DEATH BENEFIT FOLLOWING CHANGE EQUALS:
Option 1 Option 2 Stated death benefit prior to such change minus your account value as of the effective date of the change.
Option 2 Option 1 Stated death benefit prior to such change plus your account value as of the effective date of the change.
Option 3 Option 1 Stated death benefit prior to such change plus the sum of all premiums paid minus all partial withdrawals taken prior to the effective date of the change.

     To determine the segment stated death benefit after an option change, your account value will be allocated to each segment in the same proportion that segment bears to the stated death benefit as of the effective date of the change.

CONTINUATION OF COVERAGE AFTER AGE 100

If the policy is in force on the policy anniversary nearest the insured's 100th birth date, the policy will continue pursuant to the terms of the policy. On this date, the following will occur:

               a)     If there is no Adjustable Term Insurance Rider on the policy, the stated death benefit for the policy remains unchanged as of the policy anniversary nearest the insured's 100th birth date. If there is an Adjustable Term Insurance Rider attached to the policy, the stated death benefit for the policy will equal the target death benefit on the policy anniversary nearest the insured's 100th birth date. Any Adjustable Term Insurance Rider will then terminate.
               b)     All other riders attached to the policy also will terminate;
               c)     The portion of your account value invested in the divisions of the Separate Account will be transferred into the Guaranteed Interest Division and no further investment in the divisions of the Separate Account will be allowed; and
               d)     If the death benefit option in force on the policy is option 2 or option 3, the policy will be converted to death benefit option 1 in accordance with the procedures outlined in the Death Benefit Option Changes provision of the policy and no further changes will be allowed to the death benefit option.

After the policy anniversary nearest the insured's 100th birth date, no further premiums will be accepted and no monthly deductions will be made. Policyholder transaction charges continue to be deducted at the time of the applicable transaction. We will continue to credit interest to the account value. Policy loans and withdrawals continue to be available. Any existing policy loan will continue. Policy loan interest will continue to accrue. Payments on policy loans and policy loan interest will be accepted. The policy will enter the 61-day grace period if the surrender value is zero or less.

If you do not want coverage to continue past the policy anniversary nearest the insured's 100th birth date, the policy may be surrendered at that time, or earlier.



Form 2511(VUL)-2/01			9


PAYOUT OF PROCEEDS

Proceeds refers to the amount we will pay:

      (a) upon surrender of the policy, or
      (b) upon the death of the insured.

The proceeds upon surrender of this policy will be the net cash surrender value. The amount of proceeds payable upon the death of the insured will be the base death benefit in effect on the date of the insured's death; plus any amounts payable from any additional benefits provided by rider; minus any outstanding policy loan including accrued but unpaid interest; minus any unpaid monthly deductions incurred prior to the date of death. The calculation of the death proceeds will be computed as of the date of the insured's death.

We will determine the amount of proceeds payable upon the death of the insured when we have received due proof of death and any other information which is necessary to process the claim. Any proceeds we pay are subject to adjustments as provided in the Misstatement of Age or Sex, Suicide Exclusion and Incontestability provisions.

We will pay proceeds in one sum unless you request an alternate form of payment. There are many possible methods of payment. The available payout options are described in the Payouts Other Than As One Sum provision. Contact us or your registered representative for additional information. Interest will be paid on the one sum death proceeds from the date of death of the insured to the date of payment, or until a payout option is selected. Interest will be at the rate we declare, or at any higher rate required by law.

PREMIUM PROVISIONS

SCHEDULED PREMIUMS

The scheduled premium as shown in the Schedule may be paid while this policy is in force prior to the policy anniversary nearest the insured's 100th birth date. You may increase or decrease the amount of the scheduled premium, subject to limits we may set and provisions in the Premium Limitation provision. Under conditions provided in the Grace Period provision and the Guarantee Period provision you may be required to make premium payments to keep the policy in force. You may pay premiums on a monthly basis through an automated payment facility.

UNSCHEDULED PREMIUMS

You may make unscheduled premium payments at any time the policy is in force prior to the policy anniversary nearest the insured's 100th birth date, subject to the Premium Limitation provision. Unless you tell us otherwise, these premium payments will first be applied to reduce or pay off any existing policy loan and, as such, premium expense charges will not be deducted. We may limit the amount of such unscheduled premium payments if the payment would result in an increase in the base death benefit.



Form 2511(VUL)-2/01			10


PREMIUM LIMITATION

If the Definition of Life insurance test used for your policy is the Guideline Premium / Cash Value Corridor Test, we will not accept any premium that disqualifies your policy as a life insurance policy under the Internal Revenue Code. No premium may be paid after the insured's death. No premium may be paid after the policy anniversary nearest the insured's 100th birth date.

FAILURE TO PAY PREMIUM

If you stop paying premiums prior to the policy anniversary nearest the insured's 100th birth date, your coverage may lapse. See your Grace Period provision for details.

INITIAL PREMIUM ALLOCATION

If the initial period has not ended on the investment date, net premium amounts designated for allocation to investment options of the Separate Account will be allocated to the money market division and any net premium amount designated for allocation to the Guaranteed Interest Division will be allocated to that division. Any additional net premium amounts received after the investment date and before the end of the initial period will be allocated in the same manner as the initial net premium at the end of the valuation period during which we receive the premium at our Customer Service Center. On the valuation date immediately following the end of the initial period, the balance of the money market division will be transferred to other portfolios of the Separate Account according to your allocation instructions. Amounts allocated to the Guaranteed Interest Division will remain in that division.

If the initial period has ended on the investment date, initial net premium amounts will be allocated to investment options of the Separate Account and/or the Guaranteed Interest Division in accordance with your allocation instructions.

SUBSEQUENT PREMIUM ALLOCATIONS

After the initial premium allocation, all future scheduled and unscheduled premiums will be allocated to the investment options of the Separate Account in accordance with your allocation instructions. The allocation will occur on the valuation date immediately following our receipt of the premium at our Customer Service Center.

CHANGES TO PREMIUM ALLOCATIONS

You may change your premium allocation in accordance with instructions included in your policy prospectus.

NET PREMIUM

The net premium equals the premium paid minus the premium expense charges shown in the Schedule. The premium expense charge is the sales charge plus the tax charge.



Form 2511(VUL)-2/01			11


Each time we receive a premium we determine the sales charge by multiplying the applicable sales charge percentage times the segment premium. There is a different sales charge percentage for the segment year in which the premium is received. Premiums allocated to a new segment will be subject to a new sales charge.

Each time we receive a premium we determine the tax charge by multiplying the applicable tax charge percentage times the segment premium.

The Schedule shows: (1) the target premium for each segment; (2) the percentage sales charges; and (3) the tax percentage. Segment premium is defined in the Definition of Terms section of your policy.

SEPARATE ACCOUNT PROVISIONS

THE SEPARATE ACCOUNT

The Separate Account is an account established by us, pursuant to the laws of the State of Colorado, to separate the assets funding the benefits for the class of policies to which this policy belongs from the other assets of Security Life of Denver Insurance Company.

The Separate Account is registered as a unit investment trust under the Investment Company Act of 1940. All income, gains and losses, whether or not realized, from assets allocated to the Separate Account are credited to or charged against the Separate Account without regard to income, gains or losses of our General Account. The assets of the Separate Account are our property but are separate from our General Account and our other Separate Accounts. That portion of the assets of the Separate Account which is equal to the reserves and other policy liabilities with respect to the Separate Account is not subject to creditor claims against us.

SEPARATE ACCOUNT DIVISIONS

The Separate Account is divided into divisions, each of which invests in a fund portfolio designed to meet the objectives of the division. The current eligible divisions are shown in your annual policy prospectus. We may, from time to time, add additional divisions. If we do, you may be permitted to select from these other divisions subject to the terms and conditions we may impose on those allocations.



Form 2511(VUL)-2/01			12


CHANGES WITHIN THE SEPARATE ACCOUNT

When permitted by law, and subject to any required notice to you and acceptance of the Securities and Exchange Commission ("SEC"), state regulatory authorities or policy owners, we may from time to time make the following changes to the Separate Account:

  • Make additional divisions available. These divisions will invest in investment portfolios we find suitable for the policy.
  • Eliminate divisions from the Separate Account or combine 2 or more divisions.
  • Substitute a new portfolio for the portfolio in which a division invests. A substitution may become necessary if, in our judgment, a portfolio no longer suits the purposes of the policy. This may happen due to a change in laws or regulations, or a change in a portfolio's investment objectives or restrictions. This may also happen if the portfolio is no longer available for investment, or for some other reason, such as a declining asset base.
  • Transfer assets of the Separate Account, which we determine to be associated with the class of policies to which your policy belongs, to another Separate Account.
  • Withdraw the Separate Account from registration under the Investment Company Act of 1940.
  • Operate the Separate Account as a management investment company under the Investment Company Act of 1940.
  • Invest one or more divisions in a mutual fund other than, or in addition to, the portfolios.
  • Discontinue the sale of policies.
  • Terminate any employer or plan trustee agreement with us pursuant to its terms.
  • Restrict or eliminate any voting rights as to the Separate Account.
  • Make any changes required by the Investment Company Act of 1940 or the rules or regulations thereunder.


Form 2511(VUL)-2/01			13


GENERAL ACCOUNT PROVISIONS

THE GENERAL ACCOUNT

The General Account holds all of our assets other than those held in the Separate Account or our other separate accounts. The Guaranteed Interest Division is a part of our General Account.

GUARANTEED INTEREST DIVISION

The Guaranteed Interest Division is another investment option to which you may allocate premiums or make transfers. The account value of the Guaranteed Interest Division is equal to amounts allocated to this division plus any earned interest minus deductions taken from this division. Interest is credited at the guaranteed rate shown in the schedule or may be credited at a higher rate. Any higher rate is guaranteed to be in effect for at least 12 months.

LOAN DIVISION

The Loan Division is the account set aside to secure the policy loan, if any. See the Loan Provision section for information.

TRANSFER PROVISIONS

After the initial period and until the policy anniversary nearest the insured's 100th birth date, your account value in each division may be transferred to any other investment options of the Separate Account or to the Guaranteed Interest Division upon your request. One transfer from the Guaranteed Interest Division into the separate account divisions may be made during the first 30 days of each policy year. The minimum required for transfer is $100. Additional limitations and requirements for transfers will be listed in and governed by your annual policy prospectus in effect at the time of the transfer. We reserve the right to modify these limitations and requirements from time to time. On the policy anniversary nearest the insured's 100th birth date, your account value in each division of the Separate Account will be transferred into the Guaranteed Interest Division and no further transfers will be allowed.

ACCOUNT VALUE PROVISIONS

The account value is the sum of the current amounts allocated to the investment options of the Separate Account and to the Guaranteed Interest Division plus your balance in the Loan Division.

The account value is based on the premiums paid, policy and rider charges assessed, loans and withdrawals taken, monthly deductions, premium expense charges, transaction charges, any surrender charges, and the investment experience or credited interest of the investment options or division to which your account value is allocated.

Your net account value is equal to your account value minus any policy loan and accrued but unpaid loan interest.



Form 2511(VUL)-2/01			14


ACCOUNT VALUES ON THE INVESTMENT DATE

The account value of each investment option of the Separate Account and the Guaranteed Interest Division as of the investment date is equal to:

      (a) The allocation to that investment option of the first net premium paid; minus
      (b) The portion of any monthly deductions due on the investment date allocated to that investment option.

ACCUMULATION UNIT VALUE

The investment experience of an investment option of the Separate Account is determined as of each valuation date. We use an accumulation unit value to measure the experience of each of the Separate Account investment options during a valuation period. We set the accumulation unit value at $10 on the valuation date when the first investments in each investment option of the Separate Account are made. The accumulation unit value for a valuation period equals the accumulation unit value for the preceding valuation period multiplied by the Accumulation Experience Factor defined below for the valuation period.

The number of units for a given transaction related to an investment option of the Separate Account as of a valuation date is determined by dividing the dollar value of that transaction by that investment option's accumulation unit value for that date.

ACCUMULATION EXPERIENCE FACTOR

For each investment option of the Separate Account, the accumulation experience factor reflects the investment experience of the portfolio in which that option invests and the charges assessed against that division for a valuation period. The accumulation experience factor is calculated as follows:

      a) The net asset value of the portfolio in which that investment option invests as of the end of the current valuation period; plus
      b) The amount of any dividend or capital gains distribution declared and reinvested in the portfolio in which that option invests during the current valuation period; minus
      c) A charge for taxes, if any.
      d) The result of (a), (b) and (c) divided by the net asset value of the portfolio in which that option invests as of the end of the preceding valuation period.

ACCOUNT VALUE OF THE INVESTMENT OPTIONS OF THE SEPARATE ACCOUNT

On subsequent valuation dates after the investment date, your account value of each investment option of the Separate Account is calculated as follows:

      a) The number of accumulation units in that investment option as of the beginning of the current valuation period multiplied by that investment option's accumulation unit value for the current valuation period; plus
      b) Any additional net premiums allocated to that investment option during the current valuation period; plus
      c) Any account value transferred to or minus any account value transferred from the Separate Account during the current valuation period; minus
      d) Any partial withdrawals allocated to that investment option and any applicable withdrawal service fees which are allocated to the Separate Account during the current valuation period; plus



Form 2511(VUL)-2/01			15


      e) Any amounts released from the Loan Division as a result of a loan or loan interest payment, or minus amounts transferred to the Loan Division as of a result of any loans which are allocated to the investment options of the Separate Account during the current valuation period; minus
      f) The portion of any surrender charge resulting from a decrease in stated death benefit allocated to the investment option; minus
      g) The portion of the monthly deduction allocated to the investment options of the Separate Account, if a monthly processing date occurs during the current valuation period.

ACCOUNT VALUE OF THE GUARANTEED INTEREST DIVISION

On valuation dates after the investment date, your account value of the Guaranteed Interest Division is calculated as follows:

      a) The account value of the Guaranteed Interest Division at the end of the preceding valuation period plus interest at the declared rate credited during the current valuation period; plus
      b) Any additional net premiums allocated to the Guaranteed Interest Division plus interest credited to these premiums during the current valuation period; plus
      c) Any account value transferred to or minus any account value transferred from the Guaranteed Interest Division during the current valuation period; minus
      d) Any partial withdrawals taken and any applicable withdrawal service fees which are allocated to the Guaranteed Interest Division during the current valuation period; plus
      e) Any amounts released from the Loan Division as a result of a loan or loan interest payment, or minus amounts transferred to the Loan Division as a result of any loans which are allocated to the Guaranteed Interest Division during the current valuation period; minus
      f) The portion of any surrender charge resulting from a decrease in stated death benefit allocated to the Guaranteed Interest Division, minus
      g) The portion of the monthly deduction allocated to the division, if a monthly processing date occurs during the current valuation period.

ACCOUNT VALUE OF THE LOAN DIVISION

On valuation dates after the investment date, your account value of the Loan Division is equal to:

      a) The account value of the Loan Division on the prior valuation date; plus
      b) Any interest credited to the Loan Division during the valuation period; plus
      c) An amount equal to any additional loans since the prior valuation date; minus
      d) Any loan repayments, including payment of loan interest in cash; plus
      e) The amount of accrued loan interest if the valuation date is a policy anniversary; minus
      f) The amount of interest credited to the Loan Division during the year if the valuation date is a policy anniversary.

On policy anniversaries, any amount of interest credited to the Loan Division during the year is transferred from the Loan Division to the Separate Account and Guaranteed Interest Division according to your premium allocation then in effect.



Form 2511(VUL)-2/01			16


MONTHLY DEDUCTIONS

MONTHLY DEDUCTION

The monthly deduction is equal to:

      a) the cost of insurance charges for this policy; plus
      b) the monthly charges for any other additional benefits provided by rider; plus
      c) the monthly expense charges shown in the Schedule
      d) the monthly mortality and expense risk charge shown in the Schedule
      e) The charge for the Guaranteed Minimum Death Benefit option, if elected.

The monthly deductions are allocated to the investment options of the Separate Account and Guaranteed Interest Division as described in the policy prospectus in effect at the time of the transaction. This deduction is taken from your account value as of the monthly processing date. This deduction will display in periodic reports we send you at least once each policy year. After the policy anniversary nearest the insured's 100th birth date, no further monthly deductions will be made.

Policyholder transaction charges are deducted at the time of the applicable transaction.

COST OF INSURANCE

The cost of insurance is determined on a monthly basis for each segment. Such cost is the monthly cost of insurance rate for the insured's premium class for each segment multiplied by the net amount at risk. The net amount at risk is (a) minus (b) where:

      a) is the sum of (i) the base death benefit for each segment as of the monthly processing date after the monthly deductions (other than cost of insurance charges for the base death benefit, any Adjustable Term Insurance Rider and any Waiver of Cost of Insurance Rider), divided by (ii) 1 plus the monthly equivalent of the guaranteed interest rate for the Guaranteed Interest Division as shown in the Schedule; and
      b) is your account value as of the monthly processing date after the monthly deductions (other than the cost of insurance for the base death benefit, any Adjustable Term Insurance Rider and any Waiver of Monthly Deduction Rider).

The net amount at risk will be allocated to a segment in the same proportion as that segment's stated death benefit bears to the sum of the stated death benefits for all segments.

The cost of insurance rates will be determined by us from time to time. They will be based on the age and gender as of the effective date of coverage, the duration since the coverage began and the segment premium class. Any change in rates will apply to all individuals of the same premium class and whose policies have been in effect for the same length of time. The rates will never exceed those rates shown in the Table of Guaranteed Rates as adjusted for any rating. These tables are in the Schedule.

Each time there is a new segment, the net amount at risk will be allocated to each segment in the same proportion that segment bears to the stated death benefit. Different rates will apply to each segment depending upon the segment premium class, the age as of the effective date of the increase and the duration since the effective date of the increase.



Form 2511(VUL)-2/01			17


LOAN PROVISIONS

POLICY LOANS

You may obtain a policy loan on or after the first monthly processing date. The maximum amount you may borrow at any time equals the net cash surrender value on the date of the loan request less all monthly deductions to the next policy anniversary, or 13 monthly deductions if you take a loan within the 30-day period before your next policy anniversary. The policy loan is a first lien on your policy. The minimum amount you may borrow is shown in the Schedule. The outstanding policy loan amount is equal to the loan amount as of the beginning of the policy year plus new loans and minus loan repayments, plus accrued interest.

LOAN INTEREST

The annual policy loan interest rate is shown in the Schedule. If a loan is made, interest is due and payable at the end of the policy year. Thereafter, interest on the loan amount is due annually at the end of each policy year until the loan is repaid. If interest is not paid when due, it is added to the policy loan.

If the policy loan amount and any accrued interest equals or exceeds the cash surrender value, a premium sufficient to keep this policy in force must be paid as provided in the Grace Period provision.

LOAN DIVISION

When a policy loan is taken or when interest is not paid in cash when due, an amount equal to the loan (or unpaid loan interest, respectively) is transferred from the investment options of the Separate Account and the Guaranteed Interest Division to the Loan Division to secure the loan. This amount will be deducted from the investment options of the Separate Account and the Guaranteed Interest Division in the same proportion that your account value in each division bears to your net account value as of the date the transfer is effective unless otherwise specified in your instructions to us. Your account value in the Loan Division will be credited with interest at the interest rate for the Loan Division shown in the Schedule.

When a loan repayment is made an amount equal to the repayment is transferred from the Loan Division to the Guaranteed Interest Division and the portfolios of the Separate Account in the same proportion as your current premium allocation unless you request a different allocation in writing.

PARTIAL WITHDRAWAL PROVISIONS

You may request a partial withdrawal from your account value on any valuation date after the first policy anniversary by writing to us at our Customer Service Center. The minimum and maximum partial withdrawal amounts are shown in the Schedule. When we process a partial withdrawal, the amount of the withdrawal plus a service fee is deducted from your account value. The amount of the service fee is shown in the Schedule. We limit the number of partial withdrawals in a policy year and this number is shown in the Schedule.



Form 2511(VUL)-2/01			18


The stated death benefit is not reduced by a partial withdrawal taken when the base death benefit has been increased to qualify your policy as life insurance under the Internal Revenue Code and the amount withdrawn is no greater than that which reduces your account value to the level which no longer requires the base death benefit to be increased for Internal Revenue Code purposes.

The stated death benefit is reduced by the amount of the partial withdrawal unless one of the following exceptions applies.

          For a policy under an Option 1 death benefit, the stated death benefit is not reduced by a partial withdrawal:

               a)     if no more than 15 years have elapsed since the policy date, and
               b)     the insured is not yet age 81, and
               c)     the partial withdrawal taken is less than the greater of 10% of your account value or 5% of the stated death benefit, calculated immediately before the partial withdrawal is taken. Any additional amount withdrawn reduces your stated death benefit by that additional amount.

          For a policy under an Option 2 death benefit, a partial withdrawal does not reduce your stated death benefit.

          For a policy under an Option 3 death benefit, a partial withdrawal reduces your stated death benefit by any amount of the partial withdrawal in excess of premiums paid, less prior withdrawals, to the date of the partial withdrawal.

Any reduction in death benefit or account value will occur as of the date the partial withdrawal occurs. No partial withdrawal will be allowed if the death benefit remaining in force after any such partial withdrawal is below our minimum required to issue this policy.

You may specify how much of the withdrawal you wish taken from each investment option of the Separate Account or from the Guaranteed Interest Division. You may not withdraw from the Guaranteed Interest Division more than the total withdrawal times the ratio of your account value in the Guaranteed Interest Division to your net account value immediately prior to the withdrawal. Unless you indicate otherwise, we will make the withdrawal from the amounts in the Guaranteed Interest Division and the divisions of the Separate Account in the same proportion that your account value in each division bears to your net account value immediately prior to the withdrawal. The withdrawal service fee and any surrender charge deducted from your account value is deducted from each investment option of the Separate Account and the Guaranteed Interest Division in the same proportion that your account value of each investment option bears to your net account value immediately after the withdrawal. The withdrawal service fee deducted from your account value is deducted from each investment option and from the Guaranteed Interest Division as described in the prospectus in effect at the time of the transaction.

We may send you a new Schedule to reflect the effect of the withdrawal, if there is any change to the stated death benefit and surrender charges. We may ask you to return your policy to our Customer Service Center to make this change. The withdrawal and the reductions in death benefits will be effective as of the valuation date after we receive your request.



Form 2511(VUL)-2/01			19


SURRENDER PROVISIONS

SURRENDER VALUE

The net cash surrender value on any date will be your account value minus any applicable surrender charge and minus any policy loan including accrued but unpaid loan interest.

SURRENDER CHARGES

A separate surrender charge will apply to each stated death benefit coverage segment. The surrender charge for this policy is the sum of the surrender charge for each coverage segment of stated death benefit.

The surrender charge for each segment is determined from the surrender charge table in the Schedule. It depends on the segment's issue age, effective date and initial stated death benefit as shown in the Schedule.

During the first 9 policy years or within 9 years of the effective date of an increase in the stated death benefit segment, if you request a decrease to the stated death benefit or take a partial withdrawal which causes the stated death benefit to decrease, the surrender charge will decrease in the same proportion that the stated death benefit decreases.

Upon a decrease in the stated death benefit, a portion of the surrender charge will be deducted from your account value. The amount of the surrender charge which will be deducted from your account value will equal the surrender charge in effect before the decrease minus the surrender charge in effect after the decrease. A surrender charge is not deducted from your account value if the stated death benefit is decreased because the death benefit option is changed. If the surrender charge deducted from your account value causes your net account value to become zero or less, you may enter the Grace Period (see Grace Period).

BASIS OF COMPUTATIONS

The cash surrender value under the policy is not less than the minimums required as of the policy date by the state in which your policy was delivered. A detailed statement of the method of computation of policy values under the policy has been filed with the insurance department of the state in which the policy was delivered, if required.

FULL SURRENDERS

You may surrender your policy after the Right to Examine Period or at any time during the lifetime of the Insured and receive the net cash surrender value. We will compute the net cash surrender value as of the next valuation date after we receive both your request and the policy at our Customer Service Center. This policy will be canceled as of the date we receive your request, and there will be no further benefits under this policy.



Form 2511(VUL)-2/01			20


GRACE PERIOD, TERMINATION AND REINSTATEMENT PROVISIONS

GRACE PERIOD

If the following conditions occur on a monthly processing date, the policy will enter into the 61 day Grace Period:

      a) The net account value is zero or less, and
      b) The Guarantee Period described below has expired or been terminated.

We will give you a 61 day Grace Period from this monthly processing date to make the required premium payment. The required premium payment then due must be paid to keep the policy in force. If this amount is not received in full by the end of the Grace Period, the policy will lapse without value. The required premium payment will be equal to past due charges plus an amount we expect to be sufficient to keep the policy and any riders in force for 2 months following the receipt of the required premium payment. If we receive at least the required premium payment during the Grace Period we will make deductions from the net premium payment for the past due amounts and apply any remaining amount as premium to the policy.

Notice of the amount of the required premium payment will be mailed to you and any assignee at the last known address at least 30 days before the end of the Grace Period.

If the insured dies during the Grace Period, we will deduct any overdue monthly deductions from the death proceeds of the policy.

GUARANTEE PERIOD

If the you elect a Guaranteed Minimum Death Benefit option, the policy will not terminate during the guarantee period even if the net account value is zero except as provided below. When your policy is kept in force under this option, all riders will terminate.

Each monthly guarantee period premium equals 1/12 of the guarantee period annual premium. The guarantee period annual premium is shown in the Schedule. We use this premium for each policy year until the effective date of a change in the stated death benefit. If there is a change, a new Schedule will show the applicable minimum guarantee period annual premium for subsequent policy years.

The guarantee period will expire on the guarantee period expiration date if, on any monthly processing date:

      a) the actual premiums paid, minus the amount of any partial withdrawals and any policy loan including accrued but unpaid interest are less than
      b) the sum of the guarantee monthly premiums for each policy month starting with the first policy month to and including the policy month that begins on the current monthly processing date.

The guarantee period expiration date is shown in the Schedule.



Form 2511(VUL)-2/01			21


The guarantee period will also terminate if your account value, on any monthly processing date, is not diversified according to the following rules:

      a) No more than 35% of your net account value may be invested in any one division; and
      b) Your net account value must be invested in at least 5 divisions.

You will satisfy these diversification requirements if: (i) you are participating in the automatic rebalancing feature defined in and governed by the policy prospectus in effect on the policy effective date and your automatic rebalancing allocations comply with the diversifications specified above; or (ii) you elect dollar cost averaging and direct the resulting transfers into at least four other divisions with no more than 35% of any transfer being to any one division.

TERMINATION

All coverage provided by this policy will end as of the earliest of:

      a) The date the policy is surrendered;
      b) The date of death of the insured; or
      c) The date the Grace Period ends without payment of the required premium.

REINSTATEMENT

The policy may be reinstated within five years after the beginning of the Grace Period. The reinstatement will be effective as of the monthly processing date on or next following the date we approve your written application.

We will reinstate the policy and any riders if the following conditions are met:

      a) You have not surrendered the policy for its net cash surrender value;
      b) You submit evidence satisfactory to us that the insured and those insured under any riders are still insurable according to our normal rules of underwriting for this type of policy; and
      c) We receive payment of the amount of premium sufficient to keep the policy and any riders in force from the beginning of the Grace Period to the end of the expired Grace Period and for 2 months after the date of reinstatement. We will let you know, at the time you request reinstatement, the amount of premium needed for this purpose.

The surrender charge as of the date of reinstatement will equal the surrender charge as of the beginning of the Grace Period.

We will reinstate any policy loan, with accrued loan interest to the end of the Grace Period, which existed when coverage ended.

Upon reinstatement, the net premium received minus past due amounts will be allocated to the Divisions of the Separate Account and the Guaranteed Interest Division according to the premium allocation percentages in effect at the start of the Grace Period or as directed by you in writing at the time of reinstatement.



Form 2511(VUL)-2/01			22


DEFERRAL OF PAYMENT

Requests for transfers, withdrawals or payment of proceeds for a full surrender will be mailed within 7 days of receipt of the request in a form acceptable to us. However, we may postpone the processing of any such Separate Account transactions for any of the following reasons:

      a) The NYSE is closed, other than customary weekend and holiday closings.
      b) Trading on the NYSE is restricted by the SEC.
      c) The SEC declares that an emergency exists as a result of which disposal of securities in the Separate Account is not reasonably practicable to determine your Account Value in the divisions.
      d) A governmental body having jurisdiction over the Separate Account by order permits such suspension.

Rules and regulations of the SEC, if any, are applicable and will govern as to whether conditions described in (b), (c), or (d) exist.

Death proceeds will be paid within 7 days of determination of the proceeds and are not subject to deferment. We may defer for up to 6 months payment of any surrender proceeds, withdrawal or loan amounts from the Guaranteed Interest Division.

GENERAL POLICY PROVISIONS

THE POLICY

The policy, including the original application and applications for an increase, riders, endorsements, any Schedule pages, and any reinstatement applications make up the entire contract between you and us. A copy of the original application will be attached to the policy at issue. A copy of any application as well as a new Schedule will be attached or furnished to you for attachment to the policy at the time of any change in coverage. In the absence of fraud, all statements made in any application will be considered representations and not warranties. No statement will be used to deny a claim unless it is in an application.

CONTRACT CHANGES

All changes made by us must be signed by our president or an officer and by our secretary or assistant secretary. No other person can change any of this policy's terms and conditions.

AGE

The policy is issued at the age shown in the Schedule. This is the insured's age nearest birthday on the policy date. The insured's age at any time is the age shown in the Schedule increased by the number of completed policy years.

PROCEDURES

We must receive any election, designation, assignment or any other change request you make in writing, except those specified on the application. It must be in a form acceptable to us. We may require a return of the policy for any change or for a full surrender. We are not liable for any action we take before we receive and record the written request at our Customer Service Center.



Form 2511(VUL)-2/01			23


In the event of the death of the insured, please let us or our agent know as soon as possible. Claim procedure instructions will be sent to the beneficiary immediately. We may require proof of age and a certified copy of the death certificate. We may require the beneficiary and next of kin to sign authorizations as part of due proof. These authorization forms allow us to obtain information about the Insured, including, but not limited to, medical records of physicians and hospitals used by the insured.

OWNERSHIP

The original owner is the person named as the owner in the application. You, as the owner, can exercise all rights and receive the benefits during the insured's life. This includes the right to change the owner, beneficiaries, and methods for the payment of proceeds. All rights of the owner are subject to the rights of any assignee and any irrevocable beneficiary.

You may name a new owner by sending written notice to us. The effective date of the change to the new owner will be the date you sign the notice. The change will not affect any payment made or action taken by us before recording the change at our Customer Service Center.

BENEFICIARIES

The primary beneficiary surviving the insured will receive any death proceeds which become payable. Surviving contingent beneficiaries are paid death proceeds only if no primary beneficiary has survived the insured. If more than one beneficiary in a class survives the insured, they will share the death proceeds equally, unless your designation provides otherwise. If there is no designated beneficiary surviving, you or your estate will be paid the death proceeds. The beneficiary designation will be on file with us or at a location designated by us. While you are living, you may name a new beneficiary. The effective date of the change will be the date the request was signed. We will pay proceeds to the most recent beneficiary designation on file. We will not be subject to multiple payments.

EXCHANGE RIGHT

If, for any reason within the first 2 policy years you want to exchange this policy for a policy in which values do not vary with the investment experience of the Separate Account, we will exchange this policy. This transfer will not be subject to the excess transfer charge. The exchange will be implemented by transferring your Account Value in all the divisions of the Separate Account to the Guaranteed Interest Division and removing your future right to choose to allocate funds to the divisions of the Separate Account. We will require a return of this policy before this change will be processed.

COLLATERAL ASSIGNMENT

You may assign this policy as collateral security by written notice to us. Once it is recorded with us, the rights of the owner and beneficiary are subject to the assignment. It is your responsibility to make sure the assignment is valid.

INCONTESTABILITY

After this policy has been in force during the insured's life for 2 years from the policy date, we will not contest the statements in the application attached at issue.



Form 2511(VUL)-2/01			24


After this policy has been in force during the insured's life for 2 years from the effective date of any new Segment or of an increase in any other benefit with respect to the insured, we will not contest the statements in the application for the new Segment or other increase.

After this policy has been in force during the insured's life for 2 years from the effective date of any reinstatement, we will not contest the statements in the application for such reinstatement.

MISSTATEMENT OF AGE OR GENDER

If the age or gender of the insured has been misstated, the death benefit will be adjusted. The death benefit will be that which the cost of insurance which was deducted from your Account Value on the last Monthly Processing Date prior to the death of the insured would have purchased for the insured's correct age and gender.

SUICIDE EXCLUSION

If the insured commits suicide, while sane or insane, within 2 years of the policy date, we will make a limited payment to the beneficiary. We will pay in one sum the amount of all premiums paid to us during that time, minus any outstanding Policy Loan (including accrued but unpaid interest) and Partial Withdrawals. Coverage under the policy will then terminate.

If the insured commits suicide, while sane or insane, within 2 years of the effective date of a new Segment or of an increase in any other benefit, we will make a limited payment to the beneficiary for the new Segment or other increase. This payment will equal the cost of insurance and any applicable monthly expense charges deducted for such increase. Coverage under that segment will then terminate.

PERIODIC REPORTS

We will send you at least once each year a report which shows the current Account Value, Cash Surrender Value and premiums paid since the last report. The report will also show the allocation of your Account Value as of the date of the report and the amounts added to or deducted from your Account Value of each Division since the last report. The report will include any other information that may be currently required by the insurance supervisory official of the jurisdiction in which this policy is delivered.

ILLUSTRATION OF BENEFITS AND VALUES

We will send you, upon written request, a hypothetical illustration of future death benefits and Account Values. This illustration will include the information as required by the laws or regulations where this policy is delivered. If you request more than one illustration during a policy year, we will charge a reasonable fee for each additional illustration. The maximum amount of this fee is shown in the Schedule.

NONPARTICIPATING

The policy does not participate in our surplus earnings.

CUSTOMER SERVICE CENTER

Our Customer Service Center is at the address shown in the Schedule. Unless you are otherwise notified:

      a) All requests and payments should be sent to us at our Customer Service Center; and
      b) All transactions are effective as of the Valuation Date the required information is received at our Customer Service Center.



Form 2511(VUL)-2/01			25


PAYOUTS OTHER THAN AS ONE SUM

ELECTION

During the insured's lifetime, you may elect that the beneficiary receive the proceeds upon death of the insured other than in one sum. If you have not made an election, the Beneficiary may do so within 60 days after we receive due proof satisfactory to us of the insured's death. You may also elect to take the Net Cash Surrender Value of the policy upon its surrender other than in one sum. Satisfactory written request must be received at our Customer Service Center before payment can be made. A payee that is not a natural person may not be named without our consent. The various methods of settlement are described in the following Payout Options section.

PAYOUT OPTIONS

     OPTION I. Payouts for a Designated Period. Payouts will be made in 1, 2, 4, or 12 installments per year as elected for a designated period, which may be 5 to 30 years. The installment dollar amounts will be equal except for any excess interest as described below. The amount of the first monthly payout for each $1,000 of Account Value applied is shown in Settlement Option Table I.

     OPTION II. Life Income With Payouts for Designated Period. Payouts will be made in 1, 2, 4, or 12 installments per year throughout the payee's lifetime, or if longer, for a period of 5, 10, 15 or 20 years as elected. The installment dollar amounts will be equal except for any excess interest, as described below. The amount of the first monthly payout for each $1,000 of Account Value applied is shown in Settlement Option Table II. This option is not available for ages not shown in the Table.

Payouts for Payout Option II will be determined by using the 1983 Individual Annuity Mortality Table for the appropriate sex at 3 ½% interest

     OPTION III. Hold at Interest. Amounts may be left on deposit with us to be paid upon the death of the payee or at any earlier date elected. Interest on any unpaid balance will be at the rate declared by us or at any higher rate required by law. Interest may be accumulated or paid in 1, 2, 4, or 12 installments per year, as elected. Money may not be left on deposit for more than 30 years.

     OPTION IV. Payouts of a Designated Amount. Payouts will be made until proceeds, together with interest, which will be at the rate declared by us or at any higher rate required by law, are exhausted. Payouts will be made in 1, 2, 4, or 12 equal installments per year, as elected.

     OPTION V. Other. Settlement may be made in any other manner as agreed upon in writing between you (or the beneficiary) and us.



Form 2511(VUL)-2/01			26


CHANGE AND WITHDRAWAL

You may change an election at any time before the death of the insured. If you have given the beneficiary the right to make changes or withdrawals, or if the beneficiary has elected the option, the beneficiary (as primary payee) may take the actions below.

      a) Changes may be made from Payout Options I, III, and IV to another option.
      b) Full withdrawals may be made under Payout Option III or IV. Partial Withdrawals of not less than $300 may be made under Payout Option III.
      c) Remaining installments under Payout Option I may be commuted at 3½% interest and received in one sum.
      d) Changes in any contingent payee designation may be made.

A written request must be sent to our Customer Service Center in writing to make a change or withdrawal. We also may require that you send in the Supplemental Policy. We may defer payment of commuted and withdrawable amounts for a period up to 6 months.

EXCESS INTEREST

If we declare that Payout Options are to be credited with an interest rate above that guaranteed, it will apply to Payout Options I, II, III, and IV. The crediting of excess interest for one period does not guarantee the higher rate for other periods. Any declared interest rate will be in effect for at least 12 months.

MINIMUM AMOUNTS

The minimum amount which may be applied under any option is $2,000. If the payments to the payee are ever less than $20, we may change the frequency of payments so as to result in payments of at least that amount.

SUPPLEMENTARY POLICY

When an option becomes effective, the policy will be surrendered in exchange for a Supplementary Policy. It will provide for the manner of settlement and rights of the payees. The Supplementary Policy's effective date will be the date of the insured's death or the date of other settlement. The first payment under Options I, II, and IV will be payable as of the effective date. The first interest payment under Option III will be made as of the end of the interest payment period elected. Subsequent payments will be made in accordance with the frequency of payment elected. The Supplementary Policy may not be assigned or payments made to another without our consent.

INCOME PROTECTION

Unless otherwise provided in the election, a payee does not have the right to commute, transfer or encumber amounts held or installments to become payable. To the extent provided by law, the proceeds, amount retained, and installments are not subject to any payee's debts, policies, or engagements.



Form 2511(VUL)-2/01			27


DEATH OF PRIMARY PAYEE

Upon the primary payee's death, any payments certain under Option I or II, interest payments under Option III, or payments under Option IV will be continued to the contingent payee. Or, amounts may be released in one sum if permitted by the policy. The final payee will be the estate of the last to die of the primary payee and any contingent payee.

PAYMENTS OTHER THAN MONTHLY

The tables which follow show monthly installments for Options I and II. To arrive at annual, semiannual, or quarterly payments, multiply the appropriate figures by 11.813, 5.957 or 2.991 respectively. Factors for other periods certain or for other options which may be provided by mutual agreement will be provided upon reasonable request.






Form 2511(VUL)-2/01			28


SETTLEMENT OPTION TABLES

SETTLEMENT OPTION TABLE I

(Per $1,000 of Net Proceeds)

No. of Years Payable Monthly Installments No. of Years Payable Monthly Installments
1 $84.65 16 6.76
2 43.05 17 6.47
3 29.19 18 6.20
4 22.27 19 5.97
5 18.12 20 5.75
       
6 15.35 21 5.56
7 13.38 22 5.39
8 11.90 23 5.24
9 10.75 24 5.09
10 9.83 25 4.96
       
11 9.09 26 4.84
12 8.46 27 4.73
13 7.94 28 4.63
14 7.49 29 4.53
15 7.10 30 4.45


Form 2511(VUL)-2/01			29


SETTLEMENT OPTION TABLE II
Female

( Per $1,000 of Net Proceeds)
Age of Payee Nearest Birthday When First Installment is Payable Monthly Installment Age of Payee Nearest Birthday When First Installment is Payable Monthly Installments
Female Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain Female Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain
15 3.19 3.19 3.19 3.19 41 3.76 3.76 3.75 3.73
16 3.20 3.20 3.20 3.20 42 3.80 3.80 3.78 3.77
17 3.22 3.22 3.21 3.21 43 3.84 3.84 3.82 3.81
18 3.23 3.23 3.23 3.23 44 3.88 3.88 3.86 3.84
19 3.24 3.24 3.24 3.24 45 3.93 3.92 3.91 3.88
20 3.26 3.26 3.26 3.25 46 3.98 3.97 3.95 3.92
21 3.27 3.27 3.27 3.27 47 4.03 4.02 4.00 3.97
22 3.29 3.29 3.29 3.28 48 4.08 4.07 4.05 4.01
23 3.31 3.30 3.30 3.30 49 4.13 4.12 4.10 4.06
24 3.32 3.32 3.32 3.32 50 4.19 4.18 4.15 4.11
25 3.34 3.34 3.34 3.33 51 4.25 4.24 4.21 4.16
26 3.36 3.36 3.35 3.35 52 4.32 4.30 4.26 4.21
27 3.38 3.38 3.37 3.37 53 4.38 4.36 4.33 4.27
28 3.40 3.40 3.39 3.39 54 4.46 4.43 4.39 4.32
29 3.42 3.42 3.41 3.41 55 4.53 4.51 4.46 4.38
30 3.44 3.44 3.43 3.43 56 4.61 4.58 4.53 4.44
31 3.46 3.46 3.46 3.45 57 4.70 4.66 4.60 4.51
32 3.49 3.48 3.48 3.48 58 4.79 4.75 4.68 4.57
33 3.51 3.51 3.51 3.50 59 4.88 4.84 4.76 4.64
34 3.54 3.54 3.53 3.52 60 4.99 4.93 4.84 4.70
35 3.57 3.56 3.56 3.55 61 5.09 5.03 4.93 4.77
36 3.60 3.59 3.59 3.58 62 5.21 5.14 5.02 4.84
37 3.63 3.62 3.62 3.61 63 5.33 5.25 5.12 4.91
38 3.66 3.65 3.65 3.64 64 5.46 5.37 5.21 4.98
39 3.69 3.69 3.68 3.67 65 5.60 5.50 5.31 5.05
40 3.73 3.72 3.71 3.70 66 5.75 5.63 5.42 5.12


Form 2511(VUL)-2/01			30


SETTLEMENT OPTION TABLE II/Female

(Continued)

( Per $1,000 of Net Proceeds)
Age of Payee Nearest Birthday When First Installment is Payable Monthly Installment Age of Payee Nearest Birthday When First Installment is Payable Monthly Installment
Female Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain Female Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain
67 5.91 5.77 5.53 5.19 92 14.45 9.61 7.09 5.75
68 6.08 5.91 5.63 5.25 93 14.81 9.66 7.10 5.75
69 6.26 6.07 5.74 5.32 94 15.16 9.70 7.10 5.75
70 6.46 6.23 5.86 5.37 95 15.49 9.73 7.10 5.75
71 6.67 6.40 5.97 5.43 96 15.80 9.76 7.10  
72 6.89 6.58 6.08 5.48 97 16.11 9.79 7.10  
73 7.13 6.76 6.18 5.52 98 16.40 9.80 7.10  
74 7.39 6.95 6.29 5.57 99 16.68 9.82 7.10  
75 7.67 7.14 6.39 5.60 100 16.95 9.82 7.10  
76 7.96 7.34 6.48 5.63 101 17.20 9.83    
77 8.28 7.54 6.57 5.66 102 17.43 9.83    
78 8.61 7.74 6.65 5.68 103 17.62 9.83    
79 8.97 7.94 6.72 5.70 104 17.78 9.83    
80 9.34 8.13 6.79 5.71 105 17.91 9.83    
81 9.73 8.32 6.84 5.72 106 18.00      
82 10.14 8.50 6.89 5.73 107 18.06      
83 10.57 8.67 6.94 5.74 108 18.09      
84 11.01 8.83 6.97 5.74 109 18.11      
85 11.46 8.97 7.00 5.75 110 18.11      
86 11.91 9.10 7.02 5.75          
87 12.36 9.22 7.04 5.75          
88 12.81 9.32 7.06 5.75          
89 13.25 9.41 7.07 5.75          
90 13.67 9.48 7.08 5.75          
91 14.07 9.55 7.09 5.75          


Form 2511(VUL)-2/01			31


SETTLEMENT OPTION TABLE II
Male

( Per $1,000 of Net Proceeds)
Age of Payee Nearest Birthday When First Installment is Payable Monthly Installment Age of Payee Nearest Birthday When First Installment is Payable Monthly Installments
Male Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain Male Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain
15 3.28 3.28 3.27 3.27 41 4.01 4.00 3.97 3.94
16 3.29 3.29 3.29 3.28 42 4.06 4.04 4.01 3.98
17 3.31 3.31 3.30 3.30 43 4.11 4.09 4.06 4.02
18 3.32 3.32 3.32 3.32 44 4.16 4.14 4.11 4.06
19 3.34 3.34 3.34 3.33 45 4.22 4.20 4.16 4.11
20 3.36 3.36 3.35 3.35 46 4.28 4.25 4.21 4.16
21 3.38 3.38 3.37 3.37 47 4.34 4.31 4.27 4.21
22 3.40 3.40 3.39 3.39 48 4.41 4.38 4.33 4.26
23 3.42 3.42 3.41 3.41 49 4.48 4.44 4.39 4.31
24 3.44 3.44 3.43 3.43 50 4.55 4.51 4.45 4.36
25 3.46 3.46 3.45 3.45 51 4.62 4.58 4.52 4.42
26 3.49 3.48 3.48 3.47 52 4.70 4.66 4.58 4.48
27 3.51 3.51 3.50 3.49 53 4.79 4.74 4.65 4.54
28 3.54 3.53 3.53 3.52 54 4.88 4.82 4.73 4.60
29 3.56 3.56 3.55 3.54 55 4.97 4.91 4.80 4.66
30 3.59 3.59 3.58 3.57 56 5.07 5.00 4.88 4.72
31 3.62 3.62 3.61 3.60 57 5.17 5.10 4.97 4.78
32 3.65 3.65 3.64 3.62 58 5.29 5.20 5.05 4.85
33 3.68 3.68 3.67 3.65 59 5.41 5.31 5.14 4.91
34 3.72 3.71 3.70 3.68 60 5.53 5.42 5.23 4.97
35 3.75 3.75 3.73 3.72 61 5.67 5.54 5.33 5.04
36 3.79 3.78 3.77 3.75 62 5.81 5.67 5.42 5.10
37 3.83 3.82 3.81 3.78 63 5.97 5.80 5.52 5.16
38 3.87 3.86 3.85 3.82 64 6.13 5.94 5.62 5.22
39 3.92 3.90 3.89 3.86 65 6.31 6.08 5.72 5.28
40 3.96 3.95 3.93 3.90          


Form 2511(VUL)-2/01			32


SETTLEMENT OPTION TABLE II/Male
(Continued)

( Per $1,000 of Net Proceeds)
Age of Payee Nearest Birthday When First Installment is Payable Monthly Installment Age of Payee Nearest Birthday When First Installment is Payable Monthly Installment
Male Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain Male Life with 5 Years Certain Life with 10 Years Certain Life with 15 Years Certain Life with 20 Years Certain
66 6.49 6.23 5.82 5.33 91 14.64 9.64 7.09 5.75
67 6.69 6.38 5.92 5.38 92 15.00 9.68 7.10 5.75
68 6.90 6.54 6.02 5.43 93 15.34 9.72 7.10 5.75
69 7.12 6.71 6.12 5.48 94 15.68 9.75 7.10 5.75
70 7.35 6.87 6.21 5.52 95 16.00 9.78 7.10 5.75
71 7.60 7.05 6.30 5.55 96 16.30 9.80 7.10  
72 7.86 7.22 6.39 5.59 97 16.59 9.81 7.10  
73 8.13 7.40 6.47 5.62 98 16.86 9.82 7.10  
74 8.42 7.57 6.55 5.64 99 17.11 9.83 7.10  
75 8.72 7.75 6.62 5.66 100 17.33 9.83 7.10  
76 9.04 7.92 6.69 5.68 101 17.53 9.83    
77 9.37 8.09 6.75 5.70 102 17.69 9.83    
78 9.72 8.26 6.81 5.71 103 17.82 9.83    
79 10.08 8.42 6.86 5.72 104 17.92 9.83    
80 10.44 8.57 6.90 5.73 105 18.00 9.83    
81 10.82 8.71 6.94 5.74 106 18.05      
82 11.21 8.85 6.97 5.74 107 18.08      
83 11.59 8.97 7.00 5.75 108 18.10      
84 11.99 9.09 7.02 5.75 109 18.11      
85 12.38 9.20 7.04 5.75 110 18.11      
86 12.76 9.29 7.05 5.75          
87 13.15 9.38 7.07 5.75          
88 13.53 9.46 7.08 5.75          
89 13.91 9.53 7.08 5.75          
90 14.28 9.59 7.09 5.75          


Form 2511(VUL)-2/01			33


This Policy is a FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY

Death benefits and other values provided by this contract, when based on the investment experience of a separate account, are variable. These values may increase or decrease based on investment experience and are not guaranteed as to a fixed dollar amount. Death benefits are payable by us upon the death of the insured. There is no maturity date. Flexible premiums are payable by you during the lifetime of the insured until the policy anniversary nearest the insured's 100th birthday.




SECURITY LIFE OF DENVER INSURANCE COMPANY
A Stock Company

Customer Service Center
P. O. Box 173888; Denver, Colorado 80217
Toll Free Number: 1(800)848-6362





Form 2511(VUL)-2/01
EX-1.A.(5)(A)(I) 6 apm_adjtermins.htm ADJ TERM INS RIDER Adjustable Term Insurance Rider

Exhibit 1.A.(5)(a)(i)

ADJUSTABLE TERM INSURANCE RIDER

This rider is a part of the policy to which it is attached if this rider is shown in the Schedule. This rider must be read with all policy provisions. This rider does not participate in our surplus earnings. The insured under this rider is listed in the Schedule. This rider has no loan value. There is no surrender charge applicable to this rider. The rider effective date is the policy date or, if added later, the monthly processing date on or next following the date your application for this rider is approved by us. The owner of this policy is the owner of this rider.

DEATH BENEFIT. Subject to this rider's terms, we will pay the term death benefit in force on the date of the insured's death. This benefit is payable to the beneficiary.

The amount of term death benefit is the difference between the total death benefit and the base death benefit provided by the policy. Total death benefit depends on which death benefit option is in effect.

      Option 1: If option 1 is in effect, the total death benefit is the greater of:
  1. the target death benefit; or
  2. the account value multiplied by the appropriate factor from the Death Benefit Factors shown in the Schedule.
      Option 2: If option 2 is in effect, the total death benefit is the greater of:
  1. the target death benefit plus the account value; or
  2. the account value multiplied by the appropriate factor from the Death Benefit Factors shown in the Schedule.
      Option 3: If option 3 is in effect, the total death benefit is the greater of:
  1. the target death benefit plus premiums paid less withdrawals, or
  2. the account value multiplied by the appropriate factor from the Death Benefit Factors shown in the Schedule.

In no event will the term death benefit be less than zero. It is also not increased or decreased by policy loan activity.

In your application for this rider you may request a pattern of increasing or decreasing target death benefits. The actual target death benefit is subject to our approval.

The target death benefit is shown in the Schedule attached to your policy. It may be a constant amount or it may change at the beginning of a policy year. The target death benefit may be reduced if there is a partial withdrawal. If a partial withdrawal reduces the stated death benefit, the target death benefit for the current year and all future years will be reduced by an amount equal to the reduction in the stated death benefit. You will receive a new Schedule reflecting the new target death benefit. See your policy for details. The stated death benefit is defined in your policy.

Any requested decreases in the stated death benefit in the policy will eliminate any future scheduled increases in the target death benefit. We may choose not to eliminate these increases upon submission of evidence satisfactory to us that the insured is still insurable according to our normal rules of underwriting for the current premium class.



R2019-2/01


COST OF INSURANCE. The cost of insurance for this rider is determined on a monthly basis. The cost is added to the policy's monthly deduction from the account value as of each monthly processing date until this rider terminates. The cost of insurance rates will be determined by us from time to time. They will be based on the issue age and premium class of the insured as well as the duration since the rider effective date. The cost of insurance for this rider is calculated as the monthly cost of insurance rate multiplied by the death benefit (in thousands) for this rider. The monthly guaranteed maximum cost of insurance rates per $1,000 for this rider are shown in the Schedule on the applicable table of guaranteed rates attached to your policy.

INCONTESTABILITY. After this rider has been in force while the insured is alive for two years from the rider effective date, we will not contest the statements in the application for this rider attached at the time the rider is issued.

After this rider has been in force while the insured is alive for two years from the effective date of any increase in the amount of insurance, we will not contest the statements in the application for the increase.

After this rider has been in force while the insured is alive for two years from the effective date of any reinstatement of this rider, we will not contest the statements in the application for such reinstatement of this rider.

SUICIDE EXCLUSION. If the policy terminates for suicide, this rider will then terminate without value.

If the insured commits suicide, while sane or insane, within two years of the rider effective date and the policy is not terminated due to this suicide, we will terminate this rider and make a limited payment to the beneficiary for the rider. We will pay in one sum the amount of the cost of insurance for this rider which was deducted from the policy.

If the insured commits suicide, while sane or insane, within two years of the effective date of an increase and the policy is not terminated due to this suicide, we will terminate the increase and pay the cost of insurance associated with the increase.

MISSTATEMENT OF AGE OR GENDER. If the insured's age or gender has been misstated, the death benefit will be adjusted . The death benefit will be that which the cost of insurance which was deducted from the policy value on the last monthly processing date prior to the death of the insured would have purchased for the insured's correct age or gender.

CHANGE IN AMOUNT OF COVERAGE. The target death benefit under this rider may be increased or decreased by sending a written request to our Customer Service Center. Decreases are not allowed before the first rider anniversary. You may request an increase on the first monthly processing date following the effective date of this rider. Any request for increased death benefits will automatically be an increase to the stated death benefit as well as to the target death benefit unless you specifically request an increase only to the target death benefit. You may increase or decrease the target death benefit only once each policy year. You may not increase insurance coverage provided by this rider after attained age 85 (after attained age 75 when this policy is issued as part of a group or sponsored plan). Any change in coverage may not be for an amount less than $1,000. Such change is subject to the following conditions:



R2019-2/01							2


  1. Any requested decrease in target death benefit is subject to our approval. Our approval may be conditioned on eliminating any future increases to the target death benefit that are shown in the Schedule.
  2. Any request for an increase must be applied for on a supplemental application. The increase is subject to evidence satisfactory to us that the insured is still insurable according to our normal rules of underwriting for the current premium class for this type of rider. If there is no change in premium class, the increase will be processed.
  3. For any increase or addition to coverage, the effective date will be the monthly processing date that falls on or next follows the date the supplemental application is approved by us. For any decrease in coverage, the effective date will be the monthly processing date that fall on or next follows receipt of the written request to reduce coverage.
  4. Any decrease in the total death benefit will first reduce adjustable term insurance before stated death benefit is reduced.

For any change in coverage, a supplemental Schedule will be issued.

TERMINATION. This rider will terminate on the earliest of the following dates:

  1. Expiration of the grace period of the policy.
  2. Termination or surrender of the policy.
  3. Receipt by us of a written request from you to cancel this rider on any monthly processing date.
  4. Policy anniversary nearest the insured's 100th birth date.
  5. When the policy to which this rider is attached is kept in force under the Guaranteed Minimum Death benefit option.

Any deduction for the cost of insurance after termination of this rider will not be considered a reinstatement of this rider nor a waiver by us of the termination. Any such deduction will be credited to the account value of the policy as of the date of the deduction.

REINSTATEMENT. If you reinstate your policy under the Reinstatement provision in the policy, this rider will be reinstated.

Signed for the company at Denver, Colorado

SECURITY LIFE OF DENVER INSURANCE COMPANY

     SECRETARY

 



R2019-2/01							3


ADJUSTABLE TERM INSURANCE RIDER SCHEDULE
TABLE OF TARGET DEATH BENEFITS AND GUARANTEED MONTHLY MAXIMUM COST
OF TERM INSURANCE RATES PER $1,000 OF INSURANCE

POLICY YEAR TARGET DEATH BENEFIT GUARANTEED MONTHLY RATES POLICY YEAR TARGET DEATH BENEFIT GUARANTEED MONTHLY RATES
0 150,000.00 0.43602 28 150,000.00 0.17753
1 150,000.00 0.11168 29 150,000.00 0.17837
2 150,000.00 0.10334 30 150,000.00 0.18003
3 150,000.00 0.10251 31 150,000.00 0.18587
4 150,000.00 0.09918 32 150,000.00 0.19087
5 150,000.00 0.09418 33 150,000.00 0.19921
6 150,000.00 0.09001 34 150,000.00 0.20838
7 150,000.00 0.08334 35 150,000.00 0.22005
8 150,000.00 0.07917 36 150,000.00 0.23339
9 150,000.00 0.07751 37 150,000.00 0.25006
10 150,000.00 0.07584 38 150,000.00 0.26924
11 150,000.00 0.08001 39 150,000.00 0.29092
12 150,000.00 0.08834 40 150,000.00 0.31510
13 150,000.00 0.10334 41 150,000.00 0.34262
14 150,000.00 0.12001 42 150,000.00 0.37097
15 150,000.00 0.13835 43 150,000.00 0.40350
16 150,000.00 0.15752 44 150,000.00 0.43686
17 150,000.00 0.17420 45 150,000.00 0.47439
18 150,000.00 0.18587 46 150,000.00 0.51276
19 150,000.00 0.19420 47 150,000.00 0.55447
20 150,000.00 0.19837 48 150,000.00 0.59869
21 150,000.00 0.19921 49 150,000.00 0.64709
22 150,000.00 0.19671 50 150,000.00 0.69966
23 150,000.00 0.19420 51 150,000.00 0.76141
24 150,000.00 0.19004 52 150,000.00 0.82985
25 150,000.00 0.18420 53 150,000.00 0.90832
26 150,000.00 0.18003 54 150,000.00 0.99683
27 150,000.00 0.17837 55 150,000.00 1.09202

 



ADJUSTABLE TERM INSURANCE RIDER SCHEDULE
TABLE OF TARGET DEATH BENEFITS AND GUARANTEED MONTHLY MAXIMUM COST
OF TERM INSURANCE RATES PER $1,000 OF INSURANCE

POLICY YEAR TARGET DEATH BENEFIT GUARANTEED MONTHLY RATES POLICY YEAR TARGET DEATH BENEFIT GUARANTEED MONTHLY RATES
56 150,000.00 1.19559      
57 150,000.00 1.30253      
58 150,000.00 1.41784      
59 150,000.00 1.54070      
60 150,000.00 1.67781      
61 150,000.00 1.83085      
62 150,000.00 2.00317      
63 150,000.00 2.19899      
64 150,000.00 2.41666      
65 150,000.00 2.65537      
           
           

REFER TO YOUR RIDER FOR MORE INFORMATION. EX-1.A.(5)(A)(II) 7 apm_wcoi.htm WAIVER COST OF INS Waiver of Cost of Insurance

Exhibit 1.A.(5)(a)(ii)

WAIVER OF COST OF INSURANCE RIDER

This rider is part of the policy to which it is attached. It must be read with all policy provisions. This rider does not participate in our surplus earnings. This rider has no loan or cash surrender value. This rider takes effect on the policy date, or if added later, the monthly processing date on or next following our approval of your application for this benefit. Except as provided below, this benefit is subject to all the terms of your policy.

The Benefit

If all the conditions of this rider are met, we will waive the monthly deduction for the cost of insurance and the monthly expense charges for the policy and any riders. To qualify for waiver, all of the following conditions must be met:

  1. The insured becomes totally disabled while this rider was in force.
  2. Total disability must begin before the policy anniversary nearest the 65th birthday of the insured.
  3. The insured must be continuously and totally disabled for at least four months.
  4. If total disability begins during the grace period, a premium sufficient to cover the monthly deductions and the monthly expense charges due, if any, must be paid to us. The premium must be paid before the end of the grace period or the monthly deductions and monthly expense charges will not be waived.
  5. Notice and proof of claim must be submitted in accordance with the provisions of this rider.

Waiver will start on the first monthly processing date after the above 5 conditions are satisfied.

If total disability begins before the policy anniversary nearest age 60 of the insured, we will continue waiver until the insured is no longer totally disabled. If total disability begins after the policy anniversary nearest the 60th birthday of the insured, we will continue waiver until the insured is no longer totally disabled, but no longer than the policy anniversary nearest age 65 of the insured.

When waiver begins, we will credit to the account value monthly deductions and cost of insurance charges, if any, that have been made while the insured was totally disabled, including the four-month waiting period. If your policy lapses during the four-month waiting period, we will reinstate it without evidence of insurability if your claim is approved.

Until your claim is approved, you should keep the policy in force. If it lapses during the waiting period or approval process and your claim is not approved, any reinstatement application will only be approved if the insured submits satisfactory evidence of insurability. If your claim is approved, the policy will be reinstated without evidence and the monthly cost of insurance will be credited to the policy for the period of total disability. This credit will not exceed one year's cost of insurance.


R2021-3/01

Exclusions

There will be no benefit under this rider if total disability results directly or indirectly from:

  1. injury occurring or disease first manifested before this rider was in force;
  2. injury incurred or disease contracted by the insured while committing a felony, as defined in the jurisdiction in which this policy is delivered;
  3. intentionally self-inflicted injury;
  4. insurrection, declared war, or undeclared war; or,
  5. any act or occurrence incidental to the above.

Definition

Insured means the person whose life is insured under the policy. Insured does not include any person insured by any other rider attached to the policy.

Definition of Total Disability

Total disability means a disability resulting from bodily injury or disease. During the first 5 years of disability, the total disability must substantially prevent the insured from performing the material duties of the occupation the insured had when the disability began. After 5 years from the date the disability began, the total disability must prevent the insured from performing the material duties of any occupation for which the insured is reasonably fitted by education, training or experience.

If the insured is primarily a student or homemaker at the time the disability begins, that activity will be treated as the insured's occupation. If the insured is primarily a student at the time disability begins, total disability means complete inability to attend school outside of the home. If the insured is primarily a homemaker at the time disability begins, totally disability means complete inability to perform household duties.

We will also consider the insured totally disabled as long as the insured has the irrecoverable, total and complete loss of:

  1. all sight in both eyes;
  2. use of both hands;
  3. use of both feet;
  4. use of one hand and one foot;
  5. speech; or,
  6. hearing in both ears.

The loss of sight, hearing, speech or loss of use of limb must occur or first manifest itself after the rider effective date and while this rider is in force.


R2021-3/01								2

Cost of Insurance

The cost of this rider is determined monthly. The cost for this rider is deducted from the account value of the policy on each monthly processing date until the rider terminates except as provided in The Benefit provision.

The monthly cost of insurance rates for this rider are based on the insured's rate class and attained age nearest birthday on the last policy anniversary. If the insured is in a standard or preferred rate class, the monthly cost for this rider is calculated as follows: the monthly cost factor from the table at the end of this rider is multiplied by the sum of the amount of the current monthly deductions excluding the cost for this rider. If the insured is in a rate class other than standard or preferred, we will multiply these rates by the appropriate rating factor for that class. The rating factor is shown in the policy Schedule.

Incontestability

After this rider has been in force during the insured's life for two years from the effective date, we will not contest the statements in the application for the rider attached at issue.

After this rider has been in force during the insured's life for two years from the effective date of any reinstatement, we will not contest the statements in the application for such reinstatement.

Notice and Proof of Claim

We must receive written notice of claim and proof of total disability. This notice and proof of claim must be received at our home office, or other location as designated by us in writing:

  1. within one year from the date on which total disability begins;
  2. during the lifetime of the insured;
  3. during the period of total disability; and
  4. before the policy anniversary nearest the 65th birthday of the insured.

Failure to give us timely notice and proof of claim will not affect any claim if given as soon as is reasonably possible. In no event will we waive or credit to the account value any monthly deduction for the cost of insurance or monthly expense charges made more than one year prior to the date we received written notice and proof. We will have the right to designate one or more doctors to examine the insured.

Proof of Continuance of Total Disability

We may require proof of the continuance of total disability at regular intervals. We may require this proof even though we have accepted proof of the total disability. After the total disability has continued without interruption for two full years, we may require proof of an examination only once a year. The benefit under this rider will be discontinued:


R2021-3/01								3

  1. if the required proof is not furnished;
  2. if the insured refused to submit to examination; or,
  3. if the insured is no longer totally disabled.

Notice of Recovery from Total Disability

You must give written notice to us if and when the insured recovers. This written notice must be given as soon as the insured recovers.

Termination

This rider will terminate upon the earliest of the following:

  1. the policy anniversary nearest the 65th birthday of the insured. However, if total disability begins before the policy anniversary nearest the 60th birthday of the insured, the benefit will continue as stated in The Benefit section;
  2. the expiration of the grace period of the policy;
  3. the termination or surrender of the policy;
  4. the receipt by us of a written request from you to cancel this rider on any monthly processing date; or
  5. when this policy is kept in force under the Guaranteed Minimum Death Benefit feature.

Any deduction for the cost of insurance after termination of this rider will not be considered a reinstatement of this rider nor a waiver by us of the termination. Any such deduction will be credited to the account value of the policy as of the date of the deduction.




SECURITY LIFE OF DENVER INSURANCE COMPANY



SECRETARY



R2021-3/01							4

TABLE OF FACTORS APPLIED TO THE SUM OF THE MONTHLY DEDUCTIONS
AND THE MONTHLY EXPENSE CHARGES FOR DETERMINING
COST OF INSURANCE FOR THIS RIDER

These factors are for standard and preferred rate classes.

Insured's Attained Age Monthly Cost of Insurance Factor Insured's Attained Age Monthly Cost of Insurance Factor Insured's Attained Age Monthly Cost of Insurance Factor
           
10 .0620 30 .0677 50 .0984
11 .0620 31 .0682 51 .1065
12 .0620 32 .0687 52 .1165
13 .0621 33 .0693 53 .1280
14 .0622 34 .0699 54 .1401
15 .0623 35 .0704 55 .1523
16 .0624 36 .0709 56 .1643
17 .0626 37 .0715 57 .1752
18 .0629 38 .0722 58 .1856
19 .0632 39 .0731 59 .1948
           
20 .0635 40 .0743 60 .1142
21 .0639 41 .0759 61 .1092
22 .0643 42 .0779 62 .0974
23 .0648 43 .0801 63 .0772
24 .0652 44 .0823 64 .0382
25 .0656 45 .0843    
26 .0661 46 .0858    
27 .0665 47 .0872    
28 .0669 48 .0893    
29 .0673 49 .0927    
           
R2021-3/01							5
EX-1.A.(5)(A)(III) 8 apm_wsp.htm WAIVER SPECIFIED PREM Waiver of Specified Premium Rider

Exhibit 1.A.(5)(a)(iii)

WAIVER OF SPECIFIED PREMIUM RIDER

This rider is part of the policy to which it is attached. It must be read with all policy provisions. This rider does not participate in our surplus earnings. This rider has no loan or cash surrender value. This rider takes effect on the policy date, or if added later, the monthly processing date on or next following our approval of your application for this benefit. Except as provided below, this rider is subject to all the terms of your policy.

The Benefit

If all the conditions of this rider are met, we will waive (credit as a regular premium) the specified premium amount shown on your policy Schedule. To qualify for waiver, all of the following conditions must be met:

  1. The insured becomes totally disabled while this rider was in force.
  2. Total disability must begin before the policy anniversary nearest the 65th birthday of the insured.
  3. The insured must be continuously and totally disabled for at least four months.
  4. If total disability begins during the grace period, a premium sufficient to cover the monthly deductions and the monthly expense charges due, if any, must be paid to us. The premium must be paid before the end of the grace period or the specified premium amount will not be waived.
  5. Notice and proof of claim must be submitted in accordance with the provisions of this rider.

Waiver will start on the first monthly processing date after the above 5 conditions are satisfied.

If total disability begins before the policy anniversary nearest age 60 of the insured, we will continue waiver until the insured is no longer totally disabled. If total disability begins after the policy anniversary nearest the 60th birthday of the insured, we will continue waiver until the insured is no longer totally disabled, but no longer than the policy anniversary nearest age 65 of the insured.

We will not deduct the cost for this rider when the specified premium is being waived. Cost of insurance and monthly expense charge deductions for the policy and all other riders will continue to be made.

When waiver begins, we will waive the specified premium on each monthly processing date following the date total disability begins and credit to the account value any deductions made for this rider while the insured was totally disabled, including the four-month waiting period. If your policy lapses during the four-month waiting period, we will reinstate it without evidence of insurability if your claim is approved.



R2020-3/01


Until your claim is approved, you should keep the policy in force. If it lapses during the waiting period or during the approval process and your claim is not approved, any reinstatement application will only be approved if the insured submits satisfactory evidence of insurability. If your claim is approved, the policy will be reinstated without evidence and the specified premium will be credited to the policy for the period of total disability. This credit will not exceed one year's specified premium.

Exclusions

There will be no benefit under this rider if total disability results directly or indirectly from:

  1. injury occurring or disease first manifested before this rider was in force;
  2. injury incurred or disease contracted while committing a felony, as defined in the jurisdiction in which this policy is delivered;
  3. intentionally self-inflicted injury;
  4. insurrection, declared war, or undeclared war; or,
  5. any act or occurrence incidental to the above.

Definition

Insured means the person whose life is insured under the policy. Insured does not include any person insured by any other rider attached to the policy.

Definition of Total Disability

Total disability means a disability resulting from bodily injury or disease. During the first 5 years of disability, the total disability must substantially prevent the insured from performing the material duties of the occupation the insured had when the disability began. After 5 years from the date the disability began, the total disability must prevent the insured from performing the material duties of any occupation for which the insured is reasonably fitted by education, training or experience.

If the insured is primarily a student or homemaker at the time the disability begins, that activity will be treated as the insured's occupation. If the insured is primarily a student at the time disability begins, total disability means complete inability to attend school outside of the home. If the insured is primarily a homemaker at the time disability begins, totally disability means complete inability to perform household duties.

We will also consider the insured totally disabled as long as the insured has the irrecoverable, total and complete loss of:

  1. all sight in both eyes;
  2. use of both hands;
  3. use of both feet;
  4. use of one hand and one foot;
  5. speech; or,
  6. hearing in both ears.


R2020-3/01							2


The loss of sight, hearing, speech or loss of use of limb must occur or first manifest itself after the rider effective date and while this rider is in force.

Cost of Benefit

The cost of this rider is determined monthly. The cost for this rider is deducted from the account value of the policy on each monthly processing date until the rider terminates except as provided in The Benefit provision.

The monthly cost for this rider is based on the insured's rate class and attained age nearest birthday on the last policy anniversary. If the insured is in a standard or preferred rate class, the monthly cost for this rider is calculated as follows: the monthly factor from the table at the end of this rider is multiplied by the monthly specified premium shown in the schedule. If the insured is in a rate class other than standard or preferred, we will multiply these rates by the appropriate rating factor for that class. The rating factor is shown in the policy Schedule.

Incontestability

After this rider has been in force during the insured's life for two years from the effective date, we will not contest the statements in the application for the rider attached at issue.

After this rider has been in force during the insured's life for two years from the effective date of any increase in the benefit provided by this rider due to an increase in the specified premium with respect to the insured, we will not contest the statements in the application for such change.

After this rider has been in force during the insured's life for two years from the effective date of any reinstatement, we will not contest the statements in the application for such reinstatement.

Notice and Proof of Total Disability

Unless it is not possible to send proof earlier, we must receive proof of disability:

  1. within one year after onset of total disability;
  2. during the lifetime of the insured;
  3. during the period of total disability; and
  4. before the policy anniversary nearest the 65th birthday of the insured.

Failure to give us timely notice and proof of claim will not affect any claim if given as soon as is reasonably possible. In no event will we waive specified premiums for any monthly processing dates more than one year prior to the date we received written notice and proof. We will have the right to designate one or more doctors to examine the insured.



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Proof of Continuance of Total Disability

We will need regular proof from the insured that he or she is still totally disabled. Proof may include medical exams by doctors we choose. Waiver of the specified premium amount will stop if:

  1. proof is not sent when requested;
  2. the insured refused to submit to examination; or
  3. the insured is no longer totally disabled.

Notice of Recovery from Total Disability

You must give written notice to us if and when the insured recovers. This written notice must be given as soon as the insured recovers.

Change in Specified Premium

At any time after the first rider anniversary, the specified premium provided under this rider may be changed. The amount may be increased or decrease by a written request from you to change the amount. You may decrease the amount only once each policy year. The change in the specified premium may not be for an amount of less than $5 per month. Such change is subject to the following conditions:

  1. The specified premium under this rider in effect after any requested decrease may not be less than $25 per month.
  2. The specified premium may not exceed our normal issue limits as a result of your request. We will notify you if the amount you request needs to be adjusted.
  3. Any request for an increase must be applied for on a supplemental application. The increase is subject to evidence satisfactory to us that the insured is still insurable according to our normal rules. An increase will also be subject to the existence of sufficient cash surrender value to cover the monthly deduction for the next two policy months.
  4. For any increase in specified premium, the effective date will be the monthly processing date that falls on or next follows the date the supplemental application is approved by us. For any decrease in amount, the effective date will be the monthly processing date that falls on or next follows receipt of the written request to reduce coverage. The effective date of an increase or decrease will be shown in a supplemental policy schedule which we will send to you.


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Termination

This rider will terminate upon the earliest of the following:

  1. the policy anniversary nearest the 65th birthday of the insured. However, if total disability begins before the policy anniversary nearest the 60th birthday of the insured, the benefit will continue as stated in The Benefit section;
  2. the expiration of the grace period of the policy;
  3. the termination or surrender of the policy;
  4. the receipt by us of a written request from you to cancel this rider on any monthly processing date; or
  5. when this policy is kept in force under the Guaranteed Minimum Death Benefit feature.

Any deduction for the cost of total disability insurance after termination of this rider will not be considered a reinstatement of this rider nor a waiver by us of the termination. Any such deduction will be credited to the account value of the policy as of the date of the deduction.

The maximum amount of this benefit's cost included in the monthly deduction is based on the following table of Guaranteed Waiver of Specified Premium Factors.



SECURITY LIFE OF DENVER INSURANCE COMPANY



SECRETARY



R2020-3/01							5


TABLE RATES PER $1 OF MONTHLY SPECIFIED PREMIUM AMOUNT

These factors are for standard and preferred rate classes.

Insured's Attained Age Monthly Cost Factor Insured's Attained Age Monthly Cost Factor Insured's Attained Age Monthly Cost Factor
           
           
10 0.017 30 0.020 50 0.060
11 0.017 31 0.020 51 0.065
12 0.017 32 0.020 52 0.070
13 0.017 33 0.022 53 0.074
14 0.017 34 0.022 54 0.078
15 0.017 35 0.022 55 0.083
16 0.018 36 0.024 56 0.089
17 0.018 37 0.025 57 0.098
18 0.018 38 0.027 58 0.110
19 0.018 39 0.028 59 0.127
           
20 0.018 40 0.030 60 0.068
21 0.018 41 0.032 61 0.057
22 0.018 42 0.033 62 0.046
23 0.018 43 0.035 63 0.033
24 0.018 44 0.037 64 0.020
25 0.018 45 0.039    
26 0.018 46 0.041    
27 0.018 47 0.045    
28 0.019 48 0.050    
29 0.020 49 0.055    
           

 



R2020-3/01							6
EX-1.A.(5)(A)(IV) 9 apm_acceldb.htm ACCELERATED DB RIDER Accelerated Death Benefit Rider

Exhibit 1.A.(5)(a)(iv)

ACCELERATED DEATH BENEFIT RIDER

Benefits paid under this rider may be taxable. If so, you and your beneficiary may incur a tax obligation. As with all tax matters, you should consult your personal tax advisor to assess the impact of this benefit.

This rider is a part of the policy to which it is attached. It must be read with all policy provisions. This rider does not participate in our surplus earnings. This rider has no loan or surrender value. This rider provides a benefit with respect to coverage on the person named as the insured under the policy to which this rider is attached. The effective date of this rider is the effective date of the policy to which this rider is attached.

Benefit

We will pay an accelerated benefit if the insured is terminally ill, subject to the provisions of this rider.

The maximum amount you may accelerate shall not exceed the lesser of 75% of the eligible coverage or $500,000. Amounts accelerated under this rider and any similar rider covering the insured will count toward the maximum limit. The remaining face amount (or stated death benefit, if applicable) must be at least $25,000. If the remaining face amount is less than $25,000, the entire face amount must be accelerated.

If all the eligible coverage is accelerated, your policy will no longer provide any benefits or value, except for riders on persons other than the insured under the basic policy. Any other insurance provided by the policy on someone other than this insured will be processed as if the original policy was terminated due to the death of the insured. If not all of the eligible coverage is converted, your policy will continue in force with reduced benefits and values. The converted amount divided by the eligible coverage is the conversion percentage. We reserve the right to refuse to process any request where any remaining policy would not qualify as a life insurance contract under the Internal Revenue Code. (See Effect on Your Policy provision.)

Eligible Coverage

The eligible coverage is the amount we would pay under the policy, including any riders, if the insured were to die on the date of conversion. If the policy is in force under an extended term option or reduced paid up option, none of the coverage is eligible for this conversion.

Benefit Amount

To determine the benefit amount, we will discount the converted amount to its present value with deductions for: (a) the present value of any expected future premiums; (b) the conversion percentage times any current policy loan and accrued interest; and (c) a processing charge not to exceed $300. Present value calculations will use an annual interest rate that will not exceed the greater of:


R2022-3/01

 

  1. the yield on 90-day Treasury bills on the day we receive your request for an acceleration of benefits; or
  2. the statutory maximum policy loan interest rate.

The benefit amount will be at least the amount of the net surrender value times the percentage of the eligible coverage that is converted under this rider.

We will pay the benefit amount in one lump sum or any annuity payout offered by us at the time of conversion.

Benefit Conditions for Terminal Illness

To be terminally ill under this rider, you must give us evidence that satisfies us that the insured's life expectancy is 12 months or less. This evidence will include, but is not limited to, certification by a licensed physician. A licensed physician may not be you, the insured, or the brother, sister, parent, spouse or child of either you or the insured.

Effect on Your Policy

If not all the eligible coverage is converted, the policy will stay in force at a reduced amount. The face amount (or stated death benefit, if applicable), policy and surrender values, any policy loan and accrued interest will be reduced by the percentage of eligible coverage that is converted (the conversion percentage). Any rider on the insured under the basic policy will also be reduced in the same manner. For example, if the conversion percentage is 75%, the new face amount will be 25% of the amount just prior to the conversion. If you elect to convert all the eligible coverage, all other benefits under the policy on the insured under the basic policy will terminate. For any other insurance provided by the policy on someone other than this insured, we will continue such insurance as if the policy ended due to the insured's death.

Procedures

To obtain any benefit provided by this rider, we must receive written notice, in a form acceptable to us that you want to receive this rider benefit. The appropriate claim forms and procedures will be forwarded to you immediately. We will require the policy be sent to us. If the policy is assigned, the assignee must consent to any exercise of any rights pursuant to this rider.

You are not eligible for this rider benefit if you are required by law or a government agency to obtain this benefit due to a bankruptcy, creditor claims, or government benefit qualification.

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Termination

This rider will end on the earliest of the following dates:

  1. the termination or surrender of this policy;
  2. the date the benefit under this rider is elected;
  3. the monthly anniversary on or next following the receipt of your written request to terminate this benefit; or
  4. the date the policy is in force under an extended term option or a reduced paid-up option.

SOUTHLAND LIFE INSURANCE COMPANY



SECRETARY





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EX-1.A.(8)(B)(XXVIII 10 apm_janusamdt.htm JANUS AMEND Janus Amendment December 29, 2000

Exhibit 1.A.(8)(b)(xxviii)

AMENDMENT TO

JANUS ASPEN SERIES

FUND PARTICIPATION AGREEMENT

(Service Shares)

     THIS AMENDMENT is made this 29th day of December, 2000 between JANUS ASPEN SERIES, an open-end management investment company organized as a Delaware business trust (the "Trust"), and SECURITY LIFE OF DENVER INSURANCE COMPANY, a life insurance company organized under the laws of the State of Colorado (the "Company"), on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A, as may be amended from time to time (the "Accounts").

     WHEREAS, the Parties executed a participation agreement dated October 1, 2000 (the "Participation Agreement"), governing how shares of the Trust's portfolios are to be made available to certain variable life insurance and/or variable annuity contracts (the "Contracts") offered by the Company through certain separate accounts (the "Separate Accounts");

     WHEREAS, the Parties have agreed that it is in their interests to add an additional Contract to be purchased by the Separate Accounts;

     WHEREAS, the Parties desire to amend the Participation Agreement in the manner set forth here;

     NOW THEREFORE, in consideration of their mutual promises, the Company and the Trust agree as follows:

  1. The Participation Agreement is hereby amended by substituting for the current Schedule A in the form attached hereto which lists the Contracts funded by the Separate Accounts.
SECURITY LIFE OF DENVER INSURANCE COMPANY
By: /s/ James L. Livingston, Jr.
Name: James L. Livingston, Jr.
Title: Executive Vice President
 
JANUS ASPEN SERIES
By: /s/ Bonnie M. Howe
Name: Bonnie M. Howe
Title: Vice President

 

Schedule A
Separate Accounts and Associated Contracts

Name of Separate Account Contracts Funded By Separate Account
 
Security Life Separate Account L1
(November 3, 1993)
  • First Line (Flexible Premium Variable Life Insurance Policy)
  • Strategic Advantage Variable Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
  • First Line II (Flexible Premium Variable Universal Life Insurance Policy)
  • Strategic Advantage II Variable Universal Life (Flexible Premium Variable Life Insurance)
  • Variable Survivorship Universal Life (Flexible Premium Variable Life Insurance)
  • Corporate Benefits Variable Universal Life (Flexible Premium Variable Life Insurance)
  • Estate Designer Variable Universal Life (Joint and Survivor Flexible Premium Variable Life Insurance)
  • Asset Portfolio Manager Variable Universal Life (Flexible Premium Variable Life Insurance)
EX-1.A.(8)(B)(XXIX) 11 apm_aimamdt.htm AIM AMEND AIM Amendment to Participation Agreement December 28, 2000

Exhibit 1.A.(8)(b)(xxix)

AMENDMENT NO. 5
PARTICIPATION AGREEMENT

     The Participation Agreement (the "Agreement"), dated December 3, 1997, by and among AIM Variable Insurance Funds, (formerly AIM Variable Insurance Funds, Inc.), a Delaware trust, Security Life of Denver Insurance Company, a Colorado life Insurance company and ING America Equities, Inc., a Colorado corporation, is hereby amended as follows:

     Schedule A of the Agreement is hereby deleted in its entirety and replaced with the following:

SCHEDULE A

FUNDS AVAILABLE UNDER THE POLICIES SEPARATE ACCOUNTS UTILIZING THE FUNDS CONTRACTS FUNDED BY THE SEPARATE ACCOUNTS
AIM V.I. Government Securities Fund Separate Account Al
  • THE EXCHEQUER VARIABLE ANNUITY
AIM V.I. Capital Appreciation Fund
AIM V.I. Government Securities Fund
Separate Account Ll
  • FIRSTLINE VARIABLE UNIVERSAL LIFE
  • FIRSTLINE II VARIABLE UNIVERSAL LIFE
  • STRATEGIC ADVANTAGE VARIABLE UNIVERSAL LIFE
  • STRATEGIC ADVANTAGE II VARIABLE
  • UNIVERSAL LIFE
  • VARIABLE SURVIVORSHIP UNIVERSAL LIFE
  • CORPORATE BENEFITS VARIABLE UNIVERSAL LIFE
  • ESTATE DESIGNER VARIABLE UNIVERSAL LIFE
  • STRATEGIC BENEFIT VARIABLE UNIVERSAL LIFE
  • ASSET PORTFOLIO MANAGER VARIABLE UNIVERSAL LIFE

     All other terms and provisions of the Agreement not amended herein shall remain in full force and effect.

Effective Date: 12-28-00

AIM VARIABLE INSURANCE FUNDS, INC.
 
Attest: /s/ Nancy L. Martin By: /s/ Robert H. Graham
Name: Nancy L. Martin Name: Robert H. Graham
Title: Assistant Secretary Title: President

(SEAL)



1 of 2


SECURITY LIFE OF DENVER INSURANCE COMPANY
 
 
Attest: /s/ Eric G. Banta By: /s/ Gary W. Waggoner
 
Name: Eric G. Banta Name: Gary W. Waggoner
 
Title: Assistant Secretary Title: Vice President
 

(SEAL)

 
 
ING AMERICA EQUITIES, INC.
 
 
Attest: /s/ Eric G. Banta By: /s/ James L. Livingston, Jr.
 
Name: Eric G. Banta Name: James L. Livingston, Jr.
 
Title: Assistant Secretary Title: President
 
(SEAL)

 

 

 

 

 

 

2 of 2
EX-1.A.(8)(B)(XXX) 12 apm_gcgamdt.htm GCG AMEND Amendment to The GCG Trust Participation Agreement

Exhibit 1.A.(8)(b)(xxx)

AMENDMENT TO

PARTICIPATION AGREEMENT

AMONG

SECURITY LIFE OF DENVER INSURANCE COMPANY,

THE GCG TRUST,

AND

DIRECTED SERVICES, INC.

     THIS AGREEMENT is made this ____ day of ____________________, 2001, by and among THE GCG TRUST (the "Trust"), a management investment company and business trust organized under the laws of the Commonwealth of Massachusetts, DIRECTED SERVICES, INC. (the "Adviser" and "Distributor"), a corporation organized under the laws of the State of New York and SECURITY LIFE OF DENVER INSURANCE COMPANY, a life insurance company organized under the laws of the State of Colorado (the "Company"), on its own behalf and on behalf of each segregated asset account of the Company set forth on Schedule A, as may be amended from time to time (the "Accounts").

     WHEREAS, the Parties executed a participation agreement dated February 11, 2000 (the "Participation Agreement"), governing how shares of the Trust's portfolios are to be made available to certain variable life insurance and/or variable annuity contracts (the "Contracts") offered by the Company through certain separate accounts (the "Separate Accounts");

     WHEREAS, the Parties have agreed that it is in their interests to add an additional Contract to be purchased by the Separate Accounts;

     WHEREAS, the Parties desire to amend the Participation Agreement in the manner set forth here;

     NOW THEREFORE, in consideration of their mutual promises, the Company and the Trust agree as follows:

  1. The Participation Agreement is hereby amended by substituting for the current Schedule A in the form attached hereto which lists the Contracts funded by the Separate Accounts.

Executed this _____ day of _____________________, 2001.

SECURITY LIFE OF DENVER INSURANCE COMPANY:

By:
Title: Executive Vice President
Date: January 22, 2001

THE GCG TRUST:

By:
Title:
Date:

DIRECTED SERVICES, INC.:

By:
Title:
Date:

 

SCHEDULE A
SECURITY LIFE OF DENVER INSURANCE COMPANY
CONTRACTS AND SEPARATE ACCOUNT(S)

SEPARATE ACCOUNT(S):

     Security Life of Denver Insurance Company
     Separate Account L1

 

CONTRACT(S):

     Corporate Benefits
     Variable Universal Life

     Strategic Benefit
     Variable Universal Life

     Asset Portfolio Manager
     Variable Universal Life EX-1.A.(8)(B)(XXXI) 13 apm_invescoamdt.htm INVESCO AMEND INVESCO Amendment to Participation Agreement

Exhibit 1.A.(8)(b)(xxxi)

SIXTH AMENDMENT TO PARTICIPATION AGREEMENT

     THIS AGREEMENT is made by and among Security Life of Denver Insurance Company, a life insurance company organized under the laws of the State of Colorado ("Insurance Company"), INVESCO Variable Investment Funds, Inc., a Maryland corporation (the "Company"), and INVESCO Funds Group, Inc., a Delaware corporation ("INVESCO") (collectively, the "Parties).

     WHEREAS, the Parties executed a participation agreement dated August 26, 1994 (the "Participation Agreement"), governing how shares of the Company's portfolios are to be made available to certain variable life insurance and/or variable annuity contracts (the "Contracts") offered by the Insurance Company through certain separate accounts (the "Separate Accounts");

     WHEREAS, the various Contracts for which shares are purchased are listed in Schedule B of the Participation Agreement;

     WHEREAS, the Parties have agreed that it is in their interests to add an additional Contract funded by the Separate Accounts;

     NOW THEREFORE, in consideration of their mutual promises, the Insurance Company, the Company and INVESCO agree as follows:

1. The Participation Agreement is hereby amended by substituting for the original Schedule B an amended Schedule B in the form attached hereto which adds the Asset Portfolio Manager Variable Universal Life to the list of Contracts funded by the Separate Accounts.

Executed this ______ day of February, 2001.

ATTEST: INVESCO Variable Investment Funds, Inc.
 
 
BY:
Ronald L. Grooms
Treasurer
 
ATTEST: Security Life of Denver Insurance Company
 
 
BY:
James L. Livingston, Jr.
Executive Vice President
 
ATTEST: INVESCO Funds Group, Inc.
 
 
BY:
Ronald L. Grooms
Senior Vice President

 

 

SCHEDULE B

Contracts

1. The Exchequer Variable Annuity (Flexible Premium Deferred Combination Fixed and Variable Annuity Contract)
 
2. FirstLine (Flexible Premium Variable Life Insurance Policy)
 
3. Strategic Advantage Variable Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
 
4. FirstLine II Variable Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
 
5. Strategic Advantage II Variable Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
 
6. Variable Survivorship Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
 
7. Corporate Benefits Variable Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
 
8. Estate Designer Variable Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
 
9. Strategic Benefit Variable Universal Life (Flexible Premium Variable Universal Life Insurance Policy)
 
10. Asset Portfolio Manager Variable Universal Life      (Flexible Premium Variable Universal Life Insurance Policy

EX-1.A.(10)(A)(I) 14 apm_appinsert.htm APPL INSERT Investment Feature Selection Form

Exhibit 1.A.(10)(a)(i)

  Security Life of Denver Insurance Company
Variable Life Custtomer Service Center
P.O. Box 173888 · Denver, CO 80217-3888
1-800-848-6362

Investment Feature Selection Form

Security Life of Denver Insurance Company
Asset Portfolio Manager

Section A - Initial Premium Allocation

Initial Premium Allocation. Please allocate your Initial Premium to the Guaranteed Interest Division and/or among the investment options of the Separate Account. Please use whole number percentages for each division/option elected. You must allocate at least 1% of your Premium Allocation to each division/option in which you elect to invest. The total must equal 100%.

____% Guaranteed Interest Division

 

SEPARATE ACCOUNT INVESTMENT OPTIONS


Aim The GCG Trust Neuberger Berman
________ % V.I. Capital Appreciation Fund ________ % Liquid Asset Portfolio ________ % AMT Growth Portfolio
________ % V.I. Government Securities Fund ________ % AMT Limited Maturity Bond Portfolio
INVESCO Variable Investment Fund (VIF) ________ % AMT Partners Portfolio
Alger American ________ % VIF-Equity Income Fund
________ % Growth Portfolio ________ % VIF-High Yield Fund Van Eck
________ % Leveraged AllCap Portfolio ________ % VIF-Small Company Growth Fund ________ % Worldwide Bond Fund
________ % MidCap Growth Portfolio ________ % VIF-Total Return Fund ________ % Worldwide Emerging Markets Fund
________ % Small Capitalization Portfolio ________ % VIF-Utilities Fund ________ % Worldwide Hard Assets Fund
________ % Worldwide Real Estate Fund
Fidelity Variable Insurance Products Fund (VIP) Janus Aspen Series
________ % VIP Growth Portfolio (Service Class) ________ % Aggressive Growth Portfolio
________ % VIP Overseas Portfolio (Service Class) ________ % Growth Portfolio
________ % International Growth Portfolio
Fidelity Variable Insurance Products Fund II (VIP II) ________ % Worldwide Growth Portfolio
________ % VIP II Asset Manager Portfolio
________ % VIP II Index 500 Portfolio

 


Section B - Telephone Privilege Authorization

[ ]  Telephone Privilege Authorization: I/We authorize Security Life of Denver Insurance Company to accept telephone instructions from the Owners/ Registered Representative of the policy listed above:
[ ]  Owners Only
[ ]  Owner and Registered Representative
 
[ ]  Revocation of Telephone Privilege Authorization: I/We revoke all telephone privilege authorization in place on the policy listed above for the following persons:
[ ]  Owners and Registered Representative
[ ]  Registered Representative Only

By signing this form, I/we agree to hold harmless and indemnify ING Security Life for any losses arising from such authorization/revocation instructions. We further authorize ING Security Life to record telephone conversations with any person utilizing telephone privileges on the policy listed in Section 2. I/We understand that ING Security Life reserves the right to discontinue the telephone privilege at any time.

 

 

V-153-00

Section C - Automatic Rebalancing Option

[ ]  Initiate Automatic Rebalancing (complete below)

[ ]  Change Automatic Rebalancing (complete below)

Automatic Rebalancing Allocation

 

Aim The GCG Trust Neuberger Berman
________ % V.I. Capital Appreciation Fund ________ % Liquid Asset Portfolio ________ % AMT Growth Portfolio
________ % V.I. Government Securities Fund ________ % AMT Limited Maturity Bond Portfolio
INVESCO Variable Investment Fund (VIF) ________ % AMT Partners Portfolio
Alger American ________ % VIF-Equity Income Fund
________ % Growth Portfolio ________ % VIF-High Yield Fund Van Eck
________ % Leveraged AllCap Portfolio ________ % VIF-Small Company Growth Fund ________ % Worldwide Bond Fund
________ % MidCap Growth Portfolio ________ % VIF-Total Return Fund ________ % Worldwide Emerging Markets Fund
________ % Small Capitalization Portfolio ________ % VIF-Utilities Fund ________ % Worldwide Hard Assets Fund
________ % Worldwide Real Estate Fund
Fidelity Variable Insurance Products Fund (VIP) Janus Aspen Series
________ % VIP Growth Portfolio (Service Class) ________ % Aggressive Growth Portfolio
________ % VIP Overseas Portfolio (Service Class) ________ % Growth Portfolio
________ % International Growth Portfolio
Fidelity Variable Insurance Products Fund II (VIP II) ________ % Worldwide Growth Portfolio
________ % VIP II Asset Manager Portfolio
________ % VIP II Index 500 Portfolio

 

 

____% Guaranteed Interest Division

 

Frequency and Date of Automatic Rebalancing: (If no options are marked, frequency will be quarterly and/or date will be last valuation date of calendar period.)

Frequency:

[ ]  Monthly            [ ]  Quarterly            [ ]   Semi-annually             [ ]  Annually

Date:

[ ]  Policy Processing Date - Date on which processing will occur based on frequency selected beginning _________________________ (Month/Date)

[ ]  Last Valuation Date of Calendar Period

[ ]  Specific Date each Period beginning_____________________ (Specify Date)

 


Section D - Dollar Cost Averaging Option

[ ]  Initiate Dollar Cost Averaging (complete below)          [ ]  Change Dollar Cost Averaging (complete below)

Please transfer $___________ or _____% from:

(check one only)    [ ]The GCG Trust Liquid Asset Portfolio  [ ]Neuberger Berman Limited Maturity Bond Investment Option

     into: the Separate Account Investment Option(s) selected below.

Dollar Cost Averaging Allocation

AIM Janus Aspen Series
$________or________% V.I. Capital Appreciation Fund $________or________% Aggressive Growth Portfolio
$________or________% V.I. Government Securities Fund $________or________% Balanced Portfolio
Alger American $________or________% Growth Portfolio
$________or________% Growth Portfolio $________or________% International Growth Portfolio
$________or________% Leveraged AllCap Portfolio $________or________% Worldwide Growth Portfolio
$________or________% MidCap Growth Portfolio Neuberger Berman
$________or________% Small Capitalization Portfolio $________or________% AMT Growth Portfolio
Fidelity Variable Insurance Products Fund (VIP) $________or________% AMT Limited Maturity Bond Portfolio
$________or________% VIP Growth Portfolio (Service Class) $________or________% AMT Partners Portfolio
$________or________% VIP Overseas Portfolio (Service Class) Van Eck
Fidelity Variable Insurance Products Fund II (VIP II) $________or________% Worldwide Bond Fund
$________or________% VIP II Asset Manager Portfolio $________or________% Worldwide Emerging Markets Fund
$________or________% VIP II Index 500 Portfolio $________or________% Worldwide Hard Assets Fund
The GCG Trust $________or________% Worldwide Real Estate Fund
$________or________% Liquid Asset Portfolio
INVESCO Variable Investment Fund (VIF)
$________or________% VIF Equity Income Fund
$________or________% VIF-High Yield Fund
$________or________% VIF-Small Company Growth Fund
$________or________% VIF-Total Return Fund
$________or________% VIF Utilities Fund

 

 

____% Guaranteed Interest Division

 

 

Frequency and Date of Dollar Cost Averaging: (If no options are marked, frequency will be monthly and/or date will be policy processing date.)

Frequency:

[ ]  Monthly        [ ]  Quarterly        [ ]  Semi-annually        [ ]  Annually

Date:
[ ]  Policy Processing Date - Date on which processing will occur based on frequency selected beginning_________________________________ (Month/Date)
[ ]  Specific Date each Period beginning__________________________ (Specify Date)
 
Terminate:
[ ]  Terminate Dollar Cost Averaging on (date) _____________________
[ ]  Terminate Dollar Cost Averaging when investment option from which money is being transferred reaches $_________________


Section E - Premium Allocation Change Request

Aim The GCG Trust Neuberger Berman
________ % V.I. Capital Appreciation Fund ________ % Liquid Asset Portfolio ________ % AMT Growth Portfolio
________ % V.I. Government Securities Fund ________ % AMT Limited Maturity Bond Portfolio
INVESCO Variable Investment Fund (VIF) ________ % AMT Partners Portfolio
Alger American ________ % VIF-Equity Income Fund
________ % Growth Portfolio ________ % VIF-High Yield Fund Van Eck
________ % Leveraged AllCap Portfolio ________ % VIF-Small Company Growth Fund ________ % Worldwide Bond Fund
________ % MidCap Growth Portfolio ________ % VIF-Total Return Fund ________ % Worldwide Emerging Markets Fund
________ % Small Capitalization Portfolio ________ % VIF-Utilities Fund ________ % Worldwide Hard Assets Fund
________ % Worldwide Real Estate Fund
Fidelity Variable Insurance Products Fund (VIP) Janus Aspen Series
________ % VIP Growth Portfolio (Service Class) ________ % Aggressive Growth Portfolio
________ % VIP Overseas Portfolio (Service Class) ________ % Growth Portfolio
________ % International Growth Portfolio
Fidelity Variable Insurance Products Fund II (VIP II) ________ % Worldwide Growth Portfolio
________ % VIP II Asset Manager Portfolio
________ % VIP II Index 500 Portfolio

 

 

_____% Guaranteed Interest Division

 

 


Section F - Signatures

I/We acknowledge that we have read and understand:

  1. the terms and conditions listed in the instructions to this form, the Prospectus and the Policy for each of the options or changes requested.
  2. I/we can cancel or change any elections requested in Sections 5 and 7 above by sending written notice to the Customer Service Center at least 7 days before the next transfer date.
  3. that dollar cost averaging and automatic rebalancing will begin on the date specified only if ING Security Life has received this signed form at least 7 days before the date specified.

Signature of Owner(s):

____________________________________________________________   Date________________

____________________________________________________________   Date________________

____________________________________________________________   Date________________

Daytime Phone Number:_________________________

EX-1.A.(11) 15 apm_itrmemo.htm ITR MEMO

EXHIBIT 1A.(11)

Asset Portfolio Manager
Description of Issuance, Transfer, and Redemption Procedures
for Policies Pursuant to Rule 6e-3(T)(b)(12)(iii)

This document sets forth the administrative procedures that will be followed by Security Life of Denver ("Security Life") in connection with the issuance of its Asset Portfolio Manager flexible premium variable universal life insurance policies (the "policies") issued through Security Life Separate Account L1 (the "Separate Account"), the transfer of assets held under the policies, and the redemption of interests in policies.

I.     PROCEDURES RELATING TO ISSUANCE AND PURCHASE OF THE POLICIES
 
A.     Offering of the Policy
 
The policy is offered primarily to individuals or groups of individuals ("owners") who satisfy certain suitability standards. The policy may be purchased to insure the life of a person (an "insured") in whom the owner has an insurable interest. Security Life requires satisfactory evidence of insurability, which may include a medical examination of the insured. The issue ages are 0 through 85 for individuals and ages 0 through 70 for groups. Age is determined by the insured's age as of his/her birthday nearest the policy date.
 
Generally, a minimum target death benefit of at least $100,000 is required. However, depending on underwriting circumstances, the minimum target death benefit may be reduced for some policies sold to a group of owners as long as the average death benefit for the group at policy issuance is at least $50,000.
 
Acceptance of an application depends on Security Life's underwriting rules. Security Life reserves the right to reject an application for any reason.
 
If a policy has more than one owner (joint owners), then transactions under the policy except for telephone transfers of account value require the authorization of all owners.
 
B.     Cost of Insurance Charges Structure, Payments and Underwriting Standards
 
Security Life places the insured in a premium class when the policy is issued, based on underwriting. This original premium class applies to the initial stated death benefit.
 
The cost of insurance charge for a policy is based on the age at issue, sex, amount of target death benefit, premium class of the insured, and on the policy year. Therefore the charge varies from time to time. Security Life places insureds in the following premium classes, based on underwriting: Standard smoker, preferred smoker and preferred non-smoker (ages 15-85); and Standard Non-smoker (ages 0-85). Security Life's definition of "Smoker" includes the use of cigarettes, cigars, pipes, chewing tobacco, nicotine chewing gun or patch, snuff or any other tobacco or nicotine-based product or, insureds may be placed in a substandard rate class, with a higher mortality risk than the standard smoker or standard non-smoker classes. Both standard and preferred classes are available for fully underwritten policies.
 
Security Life guarantees that the cost of insurance rates used to calculate the monthly cost of insurance charge will not exceed the maximum cost of insurance set forth in the policies. The guaranteed cost of insurance rate for standard classes are based on the 1980 Commissioners' Standard ordinary mortality Tables, Male or Female, Mortality Premiums (1980 CSO Tables). The guaranteed cost of insurance rates for substandard classes are based on multiples of or additives to the 1980 CSO Tables. If the Adjustable Term Insurance rider is in effect, the guaranteed maximum rates for the rider are 125% of the 1980 CSO table limits.
 
At any time, Security Life's current cost of insurance may be less than the guaranteed cost of insurance that is set forth in the policy. Current cost of insurance rates are determined based on expectations as to future mortality, investment earnings, expenses, taxes, and persistency experience. These rates may change from time to time.
 
Cost of insurance rates (whether guaranteed or current) for an insured in a standard non-smoker class generally are equal to or lower than guaranteed cost of insurance for an insured of the same age and sex in a standard smoker class. Cost of insurance rates (whether guaranteed or current) for an insured in a standard non-smoker or smoker class are generally lower than guaranteed cost of insurance for an insured of the same age, sex and smoker status in a substandard class.
 
The cost of insurance will not be the same for all policies. Insurance is based on the principle of pooling and distribution of mortality risks which assumes that each owner is charged a cost of insurance commensurate with the insured's mortality risk as actuarially determined, reflecting factors such as age, sex, health, and underwriting method. A uniform cost of insurance charge for all insureds would discriminate unfairly in favor of those insureds representing higher risks. However, there will be a uniform cost of insurance charge for all insureds of the same issue age, sex, policy duration and underwriting classification.
 
If the insured's age or sex has been misstated in the application for the policy or in any application for supplemental or rider benefits, and if the misstatement becomes known during the lifetime of the insured, then policy values will be adjusted to reflect the correct monthly deductions (based on the correct age or sex) since the policy date. If the policy's values are insufficient to cover the monthly deduction on the prior monthly date, the grace period will be deemed to have begun, and notification will be sent to the owner at least 61 days prior to the end of the grace period. See "Policy Termination and Grace Period," below.
 
C.     Death Benefit
 
The policy provides coverage on a named insured and a Death Benefit payable upon the death of the insured. The policy will remain in force as long as the policy's net account value is sufficient to cover the charges due. Subject to certain conditions, the owner may request a change in the stated death benefit. If a change in the stated death benefit would result in total premiums paid exceeding the premium limitations prescribed under current tax law to qualify the policy as a life insurance contract, Security Life will refund promptly to the owner the excess above the premium limitations.
 
On or after the policy's first monthly processing date, the owner may request a reduction in the stated death benefit by written notice to Security Life, subject to the following rules. The minimum amount of a decrease in stated death benefit is $1,000, and a decrease will become effective on the monthly processing date next following the date that notice requesting the decrease is received and approved by Security Life. Security Life reserves the right to decline a requested decrease in the stated death benefit if compliance with the guideline premium limitations under current tax law resulting from this decrease would result in immediate termination of the policy, or if to effect the requested decrease, payments to the owner would have to be made from the accumulated value for compliance with the guideline premium limitations, and the amount of such payments would exceed the net account value under the policy.
 
At any time on or after the first monthly processing date, the owner may request an increase in the stated death benefit. An increase in the stated death benefit must be at least $1,000 (unless the increase is effected pursuant to a rider providing for automatic increases in stated death benefit), and an application must be submitted. An increase that is not guaranteed by rider will require satisfactory evidence of insurability and must meet Security Life's underwriting rules. The increase in stated death benefit will become effective on the next monthly processing date after the request is approved. The account value will be adjusted to reflect a monthly deduction (as of the effective date) based on the increased stated death benefit.
 
Security Life will determine a cost of insurance rate for each increase in coverage based on the age of the insured at the time of the increase. The increased coverage is treated similar to a new issue, each new segment may have a new: sales charge; surrender charge; cost of insurance charges; contestability period; suicide exclusion period and target premium. The following rules apply to determine the risk amount for each rate.
 
When an increase in stated death benefit is requested, Security Life conducts underwriting before approving the increase to determine whether a different premium class will apply to the increase. If the premium class for the increase has lower cost of insurance rates than the original premium class, then the premium class for the increase will also be applied to the initial stated death benefit. If the premium class for the increase has higher cost of insurance rates than the original premium class, the premium class for the increase will apply only to the increase in stated death benefit, and the original premium class will continue to apply to the initial stated death benefit.
 
The net amount at risk associated with a stated death benefit is allocated to the coverage segments in the same proportion that the stated death benefit for each coverage segment bears to the total stated death benefit of the policy.
 
The policy will be offered and sold pursuant to an established mortality structure and underwriting standards in accordance with state insurance laws. Where state insurance laws prohibit the use of actuarial tables that distinguish between men and women in determining premiums and policy benefits for their insured resident, Security Life will comply.
 
D.     Application and Payment Processing
 
To purchase a policy, an application must be completed and submitted through an authorized Security Life agent. Temporary life insurance coverage may be provided prior to the policy date under the terms of a temporary insurance agreement. In accordance with Security Life's underwriting rules, temporary life insurance coverage may not exceed $3,000,000 and will not remain in effect for more than ninety (90) days.
 
The insurance coverage becomes effective on the policy date which may be specified on the application. The policy date is used to determine the monthly processing date, coverage effective date and policy anniversaries.
 
The policy date is determined one of three ways: 1) the date specified on the application, 2) the back-date of the policy to save age; or if neither 1) or 2) apply, it is the date all underwriting and administrative requirements are met if the initial premium has been received. Otherwise, it is the date the initial premium is received by Security Life.
 
The investment date is the date that Security Life first applies net premium to the policy. It is the first valuation date following Security Life's: 1) receipt of the initial premium, and 2) approval of the policy for issue, and 3) receipt of all issue requirements.
 
As provided under state insurance law, the owner may be permitted to backdate the policy to preserve insurance age. In no case may the policy date be more than six months prior to the application date. The monthly deductions for the backdated period are deducted on the policy date.
 
The initial premium payment must be at least equal to the sum of the scheduled premiums from the policy date through the investment date.
 
Planned periodic premiums and unscheduled premiums that are not underwritten will be credited to the policy and the net premium invested on the valuation date they are received by Security Life. If a premium payment is rejected, Security Life will return it promptly, without adjustment.
 
The policy date is the date from which policy months, years, and anniversaries are measured. A policy month is a one-month period beginning with a monthly processing date and ending with the day immediately preceding the next following monthly processing date (i.e. 8/15 - 9/14). The monthly processing date is the same as the policy date for each succeeding month. The monthly deductions are made each monthly processing date.
 
A policy year is twelve months commencing with the policy date and ending with the day immediately preceding the next annual date (i.e. 8/15/2000 - 8/14/2001).
 
The issue date, if the same as the policy date, is the date from which the suicide and contestable periods start. It is shown in the policy.
 
E.     Allocation of Net Premiums
 
On the investment date, the account value equals the initial premium payment minus premium expense charges, minus monthly deductions made as of the policy date (up to six months for backdated policies). On each investment date thereafter, the account value is the sum of the amounts in the variable investment options, the guaranteed interest division, and the loan division. The account value will vary with the performance of the selected investment options, interest credited on amounts in the guaranteed interest division, interest credited on amounts in the loan division, charges, transfers, partial withdrawals, loans and loan repayments. The net account value is cash value minus outstanding policy debt.
 
When applying for a policy, the owner selects a plan for paying premium payments at specified intervals, e.g., quarterly, semi-annually or annually, until the maturity date. If the owner elects, Security Life will arrange for payment of planned period premiums on a monthly basis under a pre-authorized, electronic funds transfer (bank draft) arrangement. The owner is not required to pay premium in accordance with the plan; but can pay more or less than planned or skip a planned premium entirely. Currently, there is no minimum amount for each premium payment. Security Life may establish a minimum amount effective 90 days after sending a written notice to the owner. Subject to certain limits (described below), the owner can change the amount and frequency of planned periodic premiums at any time by sending a notice to Security Life. However, Security Life reserves the right to limit the amount of a premium payment or the total premium paid.
 
In the application, the owner specifies the percentage of net premium to be allocated to each investment option including the guaranteed interest division (G.I.D.). Net premiums generally will be invested on the valuation date that Security Life receives them and in accordance with the most recent allocation instructions.
 
The net premium allocation percentages specified in the application will apply to subsequent premium payments until the owner instructs otherwise. The minimum percentage that may be specified for an investment option is 1%, and all percentages must be whole numbers. The sum of allocations must equal 100%. Security Life limits the number of investment options (18) to which account value may be allocated over the life of the policy. An owner can change the allocation percentages at any time by sending a notice to Security Life or, if telephone privileges are in effect, the request can be received by phone. The change applies to all premium payments received with or after receipt of the owner's notice.
 
F.     Free Look
 
Some states mandate that if an owner exercises his/her free look right he/she is entitled to a full premium refund. Other states mandate that if the owner exercises his/her free look option he/she is entitled to receive the value of the fund allocations plus a refund of the policy charges previously deducted.
 
Amounts the owner designates for the guaranteed interest division will be invested into that division on the investment date. If the owner's state requires return of premium during the free look period, amounts designated for the variable division are initially invested into the money market investment option. Later, these amounts are transferred to the selected variable investment options, at the earlier of:
  1. five days after we mailed the policy and the state free look period has ended; or
  2. the date we have received the policy delivery receipt and the state free look period has ended.
 
If the owner's state provides for return of account value during the free look period or no free look period, amounts designated for the variable division are invested directly into the selected variable investment options.
 
G.     Internal Exchanges
 
Security Life offers an exchange opportunity for designated fixed-premium, inforce general account policies. Policyowners have the option to exchange these policies to a variable universal life product, subject to eligibility and suitability requirements being met. Evidence of insurability will not be required if there is not a request for a death benefit increase.
 
The exchange requires that the target premium for the VUL equal the commissionable premium on the policy being replaced. The gross account value less rider charges and the amount of a loan can be applied as the internal 1035 exchange amount for the new policy.
 
Guidelines under "Application and Payment Processing" and "Allocations of Net Premiums" will be followed once the exchange application is received.
 
H.     Additional Payment
 
Additional unscheduled premium payments can be made at any time while the policy is in force. Premium payments after the initial premium payment must be made to the home office.
 
Security Life has the right to limit the number and amount of such premium payments. Total premium payments paid in a policy year may not exceed guideline premium payment limitations for life insurance set forth in the Internal Revenue Code. Security Life will promptly refund the portion of any premium payment that is determined to be in excess of the premium payment limit established by law to qualify a policy as a contract for life insurance.
 
Security Life reserves the right to reject a requested increase in planned periodic premiums, or unscheduled premium. Security Life also reserves the right to require satisfactory evidence of insurability prior to accepting a premium which increases the risk amount of the policy. No premium payment will be accepted after the maturity date.
 
The payment of premiums may cause a policy to be a Modified Endowment Contract (M.E.C.) under the Internal Revenue Code. If acceptance of a premium paid would, in Security Life's view, cause the policy to become a M.E.C., then to the extent feasible Security Life will not accept that portion of the premium that would cause the policy to become a M.E.C. unless the owner confirms in writing that it is his/her intent to convert the policy to a M.E.C. Security Life may return the excess portion of the payment pending receipt of instructions from the owner.
 
The owner may specify that a particular unscheduled payment is to be a repayment of policy debt.
 
I.     Policy Termination and Grace Period
 
The policy terminates at the earliest of: 1) the end of the grace period without payment of the required premium, 2) the surrender of the policy or, 3) the date of the insured's death.
 
If the net account value on a monthly processing date is less than the amount of the monthly deduction to be deducted, and the guaranteed minimum death benefit is not in effect, the policy will be in default. In addition, if on a monthly processing date the outstanding policy debt exceeds the amount of the monthly deduction due for the following policy month, the policy will be in default. The owner, and any assignee of record, will be sent notice of the default.
 
If a policy goes into default, the owner will be allowed a 61-day grace period to pay a premium payment sufficient to cover the monthly deductions due during the grace period and for two additional months, or a sufficient amount to avoid termination caused by a high outstanding loan balance. Security Life will send notice of the amount required ("grace period premium payment") to the owner's last known address and the address of the assignee of record. The grace period will begin when the notice is sent. The policy will remain in effect during the grace period. If the insured should die during the grace period, the death benefit proceeds will be payable to the beneficiary, but the amount paid will be reduced for the monthly deductions which were due as of the date of the insured's death and for outstanding policy debt. If the grace period premium payment is not paid by the end of the grace period, the policy will lapse. It will have no value and no benefits will be payable.
 
J.     Reinstatement of a Policy Terminated for Insufficient Values
 
The policy and its riders (but not the guaranteed minimum death benefit) may be reinstated within five years after lapse and before the maturity date, subject to compliance with certain conditions, including a necessary premium payment and submission of satisfactory evidence of insurability.
 
K.     Repayment of a Loan
 
An owner may repay all or part of his/her policy debt at any time while the insured person is living and the policy is in force. Loan repayments must be sent to the home office and will be credited as of the date received. The owner may instruct Security Life that a specific unscheduled payment is to be applied as a loan repayment. When a loan repayment is made, account value in the loan division in an amount equal to the repayment, is transferred from the loan division to the investment options according to the owner's current net premium allocation instructions.
 
L.     Policy Riders
 
Rider benefits may be available to be added to the policy. Monthly charges for the rider will be deducted from the account value as part of the monthly deductions. The following riders may be available: Adjustable Term Insurance Rider, Additional Insured Rider, Waiver of Cost of Insurance Rider, or Waiver of Specified Premium Rider.
 
Additional rules and limits apply to the rider benefits and are set forth in the applicable endorsement or rider.
 
II.     TRANSFERS AMONG INVESTMENT OPTIONS
 
Several investment options of the Separate Account are available for allocation of net premiums paid, subject to certain limitations set forth in the policy. Each invests in shares or units of an underlying portfolio. Currently available investment options invest in portfolios of AIM Variable Insurance Funds, Inc., The Alger American Fund, Fidelity Variable Insurance Products Fund and Variable Insurance Products Fund II, The GCG Trust, INVESCO Variable Investment Funds, Inc., Janus Aspen Series service shares, Neuberger Berman Advisors Management Trust, Van Eck Worldwide Insurance Trust. All Funds are registered under the Investment Company Act of 1940 as open-end management investment companies. Additional funds may be made available in the future.
 
After the free-look period and prior to the maturity date, the owner may transfer all or part of the account value from the investment options to other investment options or to the guaranteed interest division. An amount may be transferred from the guaranteed interest division to the variable investment options, subject to some restrictions. The minimum transfer amount is the lesser of $100 or the entire amount in that investment option. A transfer request that would reduce the amount in an investment option below $100 will be treated as a transfer request for the entire amount. Transfers from the guaranteed interest division are permitted only within the first 30 days of a policy year. Transfer requests received within 30 days prior to a policy anniversary will be processed on the policy anniversary. Such transfers are limited in amount to the greatest of: 25% of the balance in the guaranteed interest division on the policy anniversary; the total withdrawn in the prior policy year; or $100.00. With the exception of the Right to Exchange (described below), Security Life reserves the right to limit the number or frequency of transfers permitted in the future.
 
Security Life will make the transfer as of the end of the valuation period during which such transfer is received by Security Life. Currently, there is no limit on the number of transfers that can be made between investment options in a policy year.
 
Transfer requests will be accepted by telephone, provided the appropriate authorization has been provided to Security Life. Security Life reserves the right to suspend telephone transfer privileges at any time, for any reason, if Security Life deems such suspension to be in the best interests of owners.
 
Transfers may be effected pursuant to the dollar cost averaging or automatic rebalancing feature if elected by the owner as described in the current prospectus (without charge).
 
During the first twenty-four policy months following the policy date, and within sixty days of the later of notification of a change in the investment policy of the separate account or the effective date of such change, the owner may exercise a one-time Right to Exchange the policy by requesting that all of the variable account value be transferred to the guaranteed interest division, unless law requires differently. Exercise of the Right to Exchange is not subject to any charge for making the change. Following the exercise of the Right to Exchange, premium may not be allocated to the variable account, and transfers of account value to the variable account will not be permitted. The other terms and conditions of the policy will continue to apply.
 
III.     REDEMPTION PROCEDURES, SURRENDER AND RELATED TRANSACTIONS
 
A.     Surrender for Cash Surrender Value
 
An owner may surrender the policy at any time for its net cash surrender value by submitting notice to the home office. Security Life may require return of the policy. A surrender request will be processed as of the valuation date the surrender notice and all required documents are received. Payment generally will be made within seven calendar days. An owner's policy will terminate and cease to be in force if it is surrendered. It cannot be reinstated later.
 
B.     Death Claims
 
The death benefit proceeds are equal to the sum of the base death benefit for each coverage segment under the death benefit option selected, calculated on the date of the insured's death, plus rider benefits, minus outstanding policy debt, minus unpaid monthly deductions incurred prior to the date of death. If the insured's age or sex has been misstated in the application for the policy or in an application for supplemental or rider benefits, and if the misstatement becomes known after the death of the insured person, then the death benefit under the policy or such supplemental or rider benefits will be that which the cost of insurance charge which was deducted from the account value on the last monthly processing date prior to the death of the insured would have purchased for the correct sex and age.
 
Security Life will pay interest at the rate declared by us or at a higher rate required by law.
 
Security Life will usually pay the death benefit proceeds to the beneficiary within seven days after receipt at its home office of due proof of death of the insured and all other requirements necessary to make payment. If the payment of the death benefit of a policy is contested, or as permitted by section 22 (a) of the 1940 Act, payment of proceeds may be delayed.
 
The death benefit payable depends on the death benefit option and values in effect on the date of death. Subject to certain conditions, owners may change the death benefit option. Under Option 1, the base death benefit is the greater of the specified amount, which includes the account value or the applicable percentage of account value on the date of the insured's death. Under Option 2, the base death benefit is the greater of the specified amount plus the account value on the date of death, or the applicable percentage of the account value on the date of the insured's death. Under Option 3, the base death benefit is the greater of the stated death benefit plus the sum of all premiums received minus partial withdrawals, or the account value multiplied by the applicable percentage of the account value on the date of the insured's death.
 
The "applicable percentage" is the appropriate factor from the Definition of Life Insurance factors shown in the policy's applicable schedules. A table showing the applicable percentages for attained ages 0 to 100 and older is set forth in the policy.
 
On or after the first monthly processing date and before the continuation of coverage begins, the owner may request a change in the death benefit option on the policy by notice to Security Life subject to the following rules. The effective date of the change will be the next monthly processing date following the day that Security Life approves the request. Security Life may require satisfactory evidence of insurability for some changes. After the change, the specified death benefit amount must still comply with the minimum to issue a policy.
 
An owner may change from death benefit option 1 to option 2, from option 2 to option 1 or from option 3 to option 1. No change from death benefit option 1 or 2 to option 3, or option 3 to option 2 is permitted.
 
When a change from Option 1 to Option 2 is made, the specified death benefit amount after the change is effected will be the specified death benefit amount before the change minus the account value on the effective date of the change. When a change from Option 2 to Option 1 is made, the specified death benefit amount after the change will be the specified death benefit amount before the change plus the account value on the effective date of the change. When a change from Option 3 to Option 1 is made, the specified amount will be the stated death benefit before the change plus the sum of premiums received minus partial withdrawals taken as of the effective date of the change.
 
C.     Policy Loan
 
After the first monthly processing date and while the insured is living, provided the policy is not in the grace period, the owner may borrow against the policy by submitting a request to the home office. The minimum amount of a loan is $100. The maximum loan amount is the net cash surrender value less monthly deductions to the next policy anniversary or 13 monthly deductions if the loan request is received within 30 days prior to a policy anniversary. Maximum loan amounts may be different if required by state law.
 
An outstanding loan reduces the amount available for a new loan. A loan is processed as of the valuation date the loan request is approved. Loan proceeds generally will be sent to the owner within seven calendar days.
 
When a policy loan is made, an amount sufficient to secure the loan is transferred out of the investment options and into the policy's loan division. Thus, a loan will have no immediate effect on the account value, but other policy values, such as the cash surrender value and the death benefit proceeds, will be reduced immediately by the amount borrowed. This transfer is made from the account value in each investment option in proportion to the account value in each on the date of the loan, unless the owner specifies that transfers be made from a specific investment option. An amount equal to due and unpaid loan interest which exceeds interest credited to the loan division will be transferred to the loan division on each policy anniversary. Such interest will be transferred from each investment option in the same proportion that account value in each bears to the total unloaned account value.
 
The loan account will be credited with interest at an effective annual rate of not less than the annual loan interest rate of 3%. Loan interest accrues daily at an annual interest rate of 3.75% in years 1-10 and 3.15% thereafter. Interest is due in arrears on each policy anniversary. Outstanding loan amounts (including unpaid interest added to the loan) plus accrued interest not yet due equals the total policy debt.
 
D.     Partial Withdrawals
An owner may make partial cash surrenders (known as partial withdrawals) under the policy at any time after the first policy anniversary. An owner must submit a request to the home office. Each partial withdrawal must be at least $100. The maximum partial withdrawal is the amount which will leave $500 as the net cash surrender value. When a partial withdrawal is taken, the amount of the withdrawal plus a service fee is deducted from the account value. This service fee is 2% of the amount of the withdrawal, up to a maximum fee of $25. As of the date Security Life processes the partial withdrawal, the cash value will be reduced by the partial withdrawal amount.
 
Unless the owner requests that a partial cash surrender be deducted from specified investment options, it will be deducted from the investment options on a pro-rata basis in proportion to the account value in each.
 
If death benefit Option 1 or Option 3 is in effect, Security life may reduce the specified death benefit amount. Security Life may reject a partial withdrawal request if it would reduce the specified death benefit amount below the minimum amount required to issue the policy, or if the partial withdrawal would cause the policy to fail to qualify as a life insurance contract under applicable tax laws, as interpreted by Security Life.
 
Partial withdrawals will be processed as of the valuation date the request is received by Security Life, and generally will be paid within seven calendar days.
 
E.     Monthly Charges
 
On each monthly processing date, Security Life will deduct from the account value the monthly deductions due, commencing as of the policy date. An owner's policy date is the date used to determine the applicable monthly processing date. The monthly deduction consists of (1) cost of insurance charges, (2) the monthly administrative charge, (3) mortality and expense risk charge, (4) policy charges, and (5) charges for rider benefits. The monthly deduction is deducted from the investment options, including the guaranteed interest division pro rata based on the account value in each investment option, unless the owner has selected a designated deduction investment option for the policy.
 
F.     Continuation of Coverage
 
The maturity date is generally the insured's 100th birthday, and is shown in the policy.
 
At the policy's maturity date, the owner may surrender the policy for its net account value. Or, if permitted under state law, he/she may allow insurance coverage to continue under the continuation of coverage feature. If the policy is in effect and not surrendered, the target death benefit, which includes term rider coverage, becomes the specified death benefit amount. All riders are terminated. Policies with death benefit options 2 or 3 become policies with death benefit option 1. The account value is transferred into the Guaranteed Interest Division. All variable investment features terminate. No further premium payments can be made, however, loan and interest payments are accepted. Loans and partial withdrawals may be taken. The policy will continue until the death of the insured person, so long as it does not lapse.
 
G.     Change of Insured
 
The owner of the policy may choose, at any time after issue, to change the insured person under the policy. There is no fee for this change. However, the new insured must be insurable under Security Life's normal rules of underwriting. The account value will be moved to a new policy number and the new insured. Charges and fees under the new policy may change based on the new insured.
 
At the time of the change, target premium and surrender charges are calculated under both policies. If the surrender charge on the new policy is higher, no surrender charge is deducted at the time of the change. If the surrender charge on the new policy is lower, a surrender charge in the amount of the difference (between old and new policy) is deducted. The resulting account value, less tax charges as described in the prospectus, is transferred into the new policy. No initial sales charge is deducted on the account value applied to the new policy at the time of the change; but the new policy is subject to all applicable charges running from its policy date and for all new premium payments received. If there is a policy loan outstanding, it is transferred to the new policy.
 
H.     Settlement Options
 
During the insured's lifetime, the owner may elect that the beneficiary receive the death proceeds other than in one sum. If this election has not been made, the beneficiary may do so within 60 days after the insured person's death. The owner may also elect to take the net cash surrender value under one of these options.
 
Option I:     Payouts for a Designated Period: Payouts will be made in 1, 2, 4 or 12 installments per year as elected for a designated period, which may be 5 to 30 years. The installment dollar amounts will be equal except for any excess interest. The amount of the first monthly payout for each $1,000 of account value applied is shown in Settlement Option Table I in the policy.
 
Option II:     Life Income with Payouts Guaranteed for a Designated Period: payouts will be made in 1, 2, 4 or 12 installments per year throughout the payee's lifetime, or if longer, for a period of 5, 10, 15, or 20 years as elected. The installment dollar amounts will be equal except for any excess interest. The amount of the first monthly payout for each $1,000 of account value applied is shown in Settlement Option Table II in the policy. This option is not available for ages not shown in this Table.
 
Payouts for Option II will be determined by using the 1983 Individual Annual Mortality Table for the appropriate gender.
 
Option III:     Hold at Interest: Amounts may be left on deposit with us to be paid upon the death of the payee or at any earlier date elected. Interest on any unpaid balance will be at the rate declared by us or at any higher rate required by law. Interest may be accumulated or paid in 1, 2, 4 or 12 installments per year, as elected. Money may not be left on deposit for more than 30 years.
 
Option IV:     Payouts of a Designated Amount: Payouts will be made until proceeds, together with interest, which will be at the rate declared by us or at any higher rate required by law, are exhausted. Payouts will be made in 1, 2, 4 or 12 equal installments per year, as elected.
 
Option V:     Other: The owner may ask us to apply the money under any other option that we make available at the time the benefit is paid.
 
Payments under these options are not affected by the investment experience of any division of our variable account. Instead, interest accrues pursuant to the options chosen. Payment options will also be subject to our rules at the time of selection. These alternate payment options are available only if the proceeds applied are $2,000 or more and a periodic payment will be at least $20.
 
The beneficiary or any other person who is entitled to receive payment may name a successor to receive any amount that we would otherwise pay to that person's estate if that person died. The person who is entitled to receive payment may change the successor at any time.
 
We must approve an arrangement that involves a payee who is not a natural person (for example, a corporation), or a payee who is a fiduciary. Also, the details of all arrangements will be subject to our rules at the time the arrangements take effect. This includes rules on the minimum amount we will pay under an option, minimum amounts for installment payments, withdrawal or commutation rights (i.e., the rights to receive payments over time, for which we may offer a lump sum payment), the naming of people who are entitled to receive payment and their successors, and the ways of proving age and survival.
EX-6.A. 16 apm_livingstoncnsnt.htm CONSENT LIVINGSTON Consent of James L. Livingston, Jr.

EXHIBIT 6.A

January 29, 2001

Security Life of Denver Insurance Company
1290 Broadway
Denver, CO 80203-5699

Re: Security Life Separate Account L1
     Pre-Effective Amendment No. 1; SEC File No. 333-50278

Gentlemen:

In my capacity as Executive Vice President, CFO and Chief Actuary of Security Life of Denver Insurance Company ("Security Life"), I have provided actuarial advice concerning:

The preparation of Pre-Effective Amendment No. 1 to the Registration Statement on Form S-6 (File No. 333-50278) to be filed by Security Life and its Security Life Separate Account L1 (the "Separate Account") with the Securities and Exchange Commission ("SEC") under the Securities Act of 1933 with respect to the Asset Portfolio Manager variable universal life insurance policies; and

The preparation of the policy forms for the Asset Portfolio Manager variable universal life insurance policies described in Pre-Effective Amendment No. 1 (the "Policies").

It is my professional opinion that

  1. The aggregate fees and charges under the Policies are reasonable in relation to the services rendered the expenses expected to be incurred and the risks assumed by Security Life.
  2. All other numerical examples shown in the Prospectus are consistent with the Policies and our other practices, and have not been designed to appear more favorable to prospective buyers than other examples which could have been provided.

I hereby consent to the filing of this opinion as an Exhibit to Pre-Effective Amendment No. 1 to the Registration Statement and the use of my name under the heading "Experts" in the Prospectus.

Sincerely,

/s/ James L. Livingston, Jr.

James L. Livingston, Jr., F.S.A., M.A.A.A.
JLL:tls EX-7.A. 17 apm_eycnsnt.htm CONSENT E&Y Consent of Ernst & Young LLP January 30, 2001

EXHIBIT 7.A.

Consent of Independent Auditors

We consent to the reference to our firm under the captions "Experts" and "Financial Statements" and to the use of our reports dated April 7, 2000 and April 14, 2000 (with respect to the financial statements of Security Life Separate Account L1 and the consolidated financial statements of Security Life of Denver Insurance Company and Subsidiaries, respectively), in Pre-Effective Amendment No. 1 to the Registration Statement (Form S-6 No. 333-50278) and related Prospectus of Security Life of Denver Insurance Company and Security Life Separate Account L1 as filed with the Securities and Exchange Commission on January 30, 2001.

     /s/ ERNST & YOUNG LLP

Denver, Colorado
January 30, 2001 EX-7.B. 18 apm_cnsntsab.htm CONSENT SAB Consent of Sutherland Asbill & Brennan LLP

Exhibit 7.B.

[SUTHERLAND ASBILL & BRENNAN LLP]



CONSENT OF SUTHERLAND ASBILL & BRENNAN LLP

We consent to the reference to our firm in the prospectus included in Pre-Effective Amendment No. 1 to the Registration Statement on Form S-6 for Security Life Separate Account L1 (File No. 333-50278). In giving this consent, we do not admit that we are in the category of persons whose consent is required under Section 7 of the Securities Act of 1933.


SUTHERLAND ASBILL & BRENNAN LLP


By: /s/ Kimberly J. Smith
Kimberly J. Smith


Washington, D.C.
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