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0000917677-03-000019.txt : 20030224
0000917677-03-000019.hdr.sgml : 20030224
20030224170157
ACCESSION NUMBER: 0000917677-03-000019
CONFORMED SUBMISSION TYPE: 485APOS
PUBLIC DOCUMENT COUNT: 3
FILED AS OF DATE: 20030224
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: SECURITY LIFE SEPARATE ACCOUNT L1
CENTRAL INDEX KEY: 0000917677
IRS NUMBER: 840499703
STATE OF INCORPORATION: CO
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 485APOS
SEC ACT: 1933 Act
SEC FILE NUMBER: 333-72753
FILM NUMBER: 03577911
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
FILER:
COMPANY DATA:
COMPANY CONFORMED NAME: SECURITY LIFE SEPARATE ACCOUNT L1
CENTRAL INDEX KEY: 0000917677
IRS NUMBER: 840499703
STATE OF INCORPORATION: CO
FISCAL YEAR END: 1231
FILING VALUES:
FORM TYPE: 485APOS
SEC ACT: 1940 Act
SEC FILE NUMBER: 811-08292
FILM NUMBER: 03577912
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
485APOS
1
vs_022403.htm
VARIABLE SURVIVORSHIP UL
As filed with the Securities and
Exchange
|
Registration No.
333-72753
|
Commission on February 24, 2003
|
|
SECURITIES AND EXCHANGE
COMMISSION
|
Washington, D.C.
20549
|
|
FORM N-6
|
|
REGISTRATION STATEMENT UNDER THE SECURITIES ACT
OF 1933
|
[ X]
|
|
Pre-Effective Amendment No.__
|
[ ]
|
|
Post-Effective Amendment No.
7
|
[ X]
|
|
AMENDMENT TO REGISTRATION STATEMENT UNDER THE
INVESTMENT COMPANY ACT OF 1940
|
[ X]
|
|
(Check appropriate box or
boxes.)
|
|
Security Life Separate Account
L1
|
(Exact Name of
Registrant)
|
|
Security Life of Denver
Insurance Company
|
(Name of
Depositor)
|
|
1290 Broadway
|
Denver, Colorado
80203-5699
|
(Address of Depositor’s
Principal Executive Offices)
|
|
(800) 525-9852
|
Depositor’s Telephone
Number, including Area Code
|
J. Neil McMurdie,
Counsel
|
ING Americas (U.S. Legal
Services)
|
151 Farmington Avenue, TS31,
Hartford Connecticut 06156
|
(Name and Address of Agent
for Service)
|
|
Kimberly J. Smith, Chief
Counsel
|
ING Americas (U.S. Legal
Services)
|
1475 Dunwoody Drive, West
Chester, Pennsylvania 19380
|
|
Approximate Date of Proposed Public Offering:
Continuous
|
|
It is proposed that this filing will become
effective (check appropriate box)
|
|
|
[ ]
|
immediately upon filing pursuant to paragraph
(b) of Rule 485
|
|
[ ]
|
on May 1, 2003 pursuant to paragraph (b) of
Rule 485
|
|
[ ]
|
60 days after filing pursuant to paragraph
(a)(1) of Rule 485
|
|
[X]
|
on May 1, 2003 pursuant to paragraph (a)(1) of
Rule 485.
|
|
If appropriate, check the following
box:
|
|
[ ]
|
This post-effective amendment designates a new
effective date for a previously filed post-effective
amendment.
|
PART A
|
INFORMATION REQUIRED IN A PROSPECTUS
|
VARIABLE SURVIVORSHIP
A FLEXIBLE PREMIUM VARIABLE UNIVERSAL LIFE
INSURANCE POLICY
issued by
Security Life of Denver Insurance Company and its Security Life
Separate Account L1
|
The Policy
|
The Fund
Families
|
- Is issued by Security Life of Denver
Insurance Company.
- Is returnable by you during the free look
period if you are not satisfied.
|
57 funds from the following fund families are
available through the policy.
|
Premium
Payments
|
- Are flexible, so the premium amount and
frequency may vary.
- Are allocated to the variable account and
the fixed account, based on your instructions.
- Are subject to specified fees and
charges.
|
- AIM Variable Insurance Funds
- Alger American Funds
- American Funds Insurance Series
- Fidelity® Variable Insurance
Products Funds
- ING Income Shares
- ING Investors Trust
- ING Partners, Inc.
- ING Variable Portfolios, Inc.
- ING Variable Products (VP) Trust
- INVESCO Variable Investment Funds,
Inc.
- Janus Aspen Series
- Neuberger Berman Advisers Management
Trust
- Pioneer Variable Contracts Trust
- Putnam Variable Trust
- Van Eck Worldwide Insurance
Trust
|
|
The Policy
Value
|
- Is the sum of your holdings in the fixed
account, the variable account and the loan account.
- Has no guaranteed minimum value under the
variable account. The value varies with the value of the
sub-accounts you select.
- Has a minimum guaranteed rate of return for
amounts in the fixed account.
- Is subject to specified fees and charges
including possible surrender charges.
|
Death Benefit
Proceeds
|
- Are paid if your policy is in force when the
second of the insured people dies.
- Are calculated under your choice of
options:
|
- Option 1 - the base death benefit is the
greater of the amount of basic insurance coverage you have
selected or your policy value multiplied by the appropriate
factor from the definition of life insurance factors described
in Appendix A;
- Option 2 - the base death benefit is the
greater of the amount of basic insurance coverage you have
selected plus the policy value or your policy value multiplied
by the appropriate factor from the definition of life insurance
factors described in Appendix A.
|
- Are equal to the base death benefit plus any
rider benefits minus any outstanding loans, accrued loan
interest and unpaid fees and charges.
- Are generally not subject to federal income
tax if your policy continues to meet the federal income tax
definition of life insurance.
|
This prospectus describes
what you should know before purchasing the Variable Survivorship
variable universal life insurance policy. Please read it
carefully and keep it for future reference. A prospectus for each
of the funds available through the policy must accompany and
should be read together with this prospectus.
|
Neither the Securities and
Exchange Commission ("SEC") nor any state securities commission
has approved or disapproved of these securities or determined if
this prospectus is accurate or complete. Any representation to
the contrary is a criminal offense.
|
The policy described in this
prospectus is NOT a bank deposit or obligation, insured by the
FDIC or backed by any bank or government agency.
|
The date of this prospectus
is May 1, 2003
|
TABLE OF
CONTENTS
|
|
Page
|
|
Page
|
POLICY SUMMARY
|
3
|
TAX CONSIDERATIONS
|
48
|
The Policy's Features and Benefits
|
3
|
Tax Status of the Company
|
48
|
Factors You Should Consider Before Purchasing a
Policy
|
6
|
Tax Status of the Policy
|
48
|
Fees and Charges
|
8
|
Diversification and Investor Control
Requirements
|
49
|
THE COMPANY, THE FIXED ACCOUNT AND THE
VARIABLE ACCOUNT
|
12
|
Tax Treatment of Policy Death
Benefits
|
49
|
Security Life of Denver Insurance
Company
|
12
|
Distributions Other than Death
Benefits
|
49
|
The Investment Options
|
12
|
Other Tax Matters
|
51
|
DETAILED INFORMATION ABOUT THE
POLICY
|
14
|
ADDITIONAL INFORMATION
|
54
|
Purchasing a Policy
|
15
|
General Policy Provisions
|
54
|
Fees and Charges
|
19
|
Legal Proceedings
|
60
|
Death Benefits
|
24
|
Financial Statements
|
60
|
Additional Insurance Benefits
|
30
|
APPENDIX A
|
A-1
|
Policy Value
|
36
|
APPENDIX B
|
B-1
|
Special Features and Benefits
|
38
|
APPENDIX C
|
C-1
|
Termination of Coverage
|
46
|
|
|
|
|
MORE INFORMATION IS
AVAILABLE
|
Back Cover
|
TERMS TO
UNDERSTAND
|
The following is a list of some
of the key defined terms and the page number on which each is
defined:
|
Term
|
Page Where
Defined
|
Term
|
Page Where
Defined
|
Age
|
54
|
Net Policy Value
|
4
|
Fixed Account
|
12
|
Policy Date
|
15
|
Fixed Account Value
|
36
|
Policy Value
|
36
|
Joint Equivalent Age
|
54
|
Surrender Value
|
5
|
Loan Account
|
37
|
Valuation Date
|
36
|
Loan Account Value
|
37
|
Variable Account
|
13
|
Monthly Processing
Date
|
21
|
Variable Account
Value
|
36
|
Net Premium
|
15
|
|
|
|
"Security Life," "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 lifetime of the insured
people.
|
|
State Variations - 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.
|
You may contact us about the
policy at our:
|
Customer Service Center
P.O. Box 173888
Denver, CO 80217-3888
1-877-253-5050
|
2 - Variable Survivorship
POLICY SUMMARY
|
This summary highlights the
features and benefits of the policy, the risks that you should
consider before purchasing a policy and the fees and charges
associated with the policy and its benefits. More detailed
information is included in the other sections of this prospectus
which should be read carefully before you purchase the
policy.
|
The Policy's Features
and Benefits
|
Premium Payments
See Premium Payments, page
15.
|
- You choose when to pay and how much to
pay.
- You will need to pay sufficient premiums to
keep the policy in force. Failure to pay sufficient premiums
may cause your policy to lapse.
- You cannot pay additional premiums after age
100 of the younger insured person.
- We may refuse any premium that would
disqualify your policy as life insurance under Section 7702 of
the Internal Revenue Code.
- We deduct tax charges and a sales charge
from each premium payment and credit the remaining premium (the
"net premium") to the variable account or the fixed account
according to your instructions.
|
Free Look Period
See Free Look Period,
page 17.
|
- During the free look period, you have the
right to examine your policy and return it for a refund if you
are not satisfied for any reason.
- The free look period is generally ten days
from your receipt of the policy, although certain states may
allow more than ten days.
- Generally, there are two types of free look
refunds:
|
- Some states require a return of all premium
we have received; and
- Other states require that we return your
policy value plus a refund of all fees and charges
deducted.
|
- The length of the free look period and the
free look refund that applies in your state will be stated in
your policy.
- During the free look period, your net
premium will be allocated among the investment options you have
selected unless your state requires a return of premium as the
free look refund. In these states your net premium directed to
the sub-accounts will be allocated to the Fidelity VIP Money
Market Portfolio sub-account until after the free look period
ends.
|
Death Benefits
See Death Benefits, page 24.
|
- Death benefits are paid if your policy is in
force when the second of the insured people dies.
- Until age 100 of the younger insured person,
the amount of the death benefit will depend on which death
benefit option is in effect when the second of the insured
people dies.
- There are two death benefit options
available under your policy:
|
- Option 1 - the base death benefit is the
greater of the amount of basic insurance coverage you have
selected or your policy value multiplied by the appropriate
factor from the definition of life insurance factors described
in Appendix A; or
- Option 2 - the base death benefit is the
greater of the amount of basic insurance coverage you have
selected plus your policy value or your policy value multiplied
by the appropriate factor from the definition of life insurance
factors described in Appendix A.
|
- After age 100 of the younger insured person,
death benefit option 1 will apply to all policies and the
amount of basic insurance coverage selected will equal the
amount of basic insurance coverage in effect on the policy
anniversary nearest the younger insured person's
100th birthday plus the amount of coverage, if any,
under the adjustable term insurance rider on that
date.
- We will reduce the death benefit proceeds
payable under any death benefit option by any outstanding
loans, accrued loan interest and unpaid fees and
charges.
- The death benefit is generally not subject
to federal income tax if your policy continues to meet the
federal income tax definition of life insurance.
|
Variable Survivorship - 3
No-Lapse and Death Benefit Guarantees
See No-Lapse and Death Benefit
Guarantees, page 29.
|
- Generally,
your policy will not lapse as long as your policy value minus
any surrender charge and any outstanding loan amount and
accrued loan interest (the "surrender value") is enough to pay
the periodic fees and charges when due.
- However, during the first five policy years
we guarantee that your policy will not lapse, regardless of its
surrender value, provided you have paid the minimum annual
premium during each of your first five policy
years.
- Additionally, a death benefit guarantee is
available which provides that the basic insurance coverage
under the policy will not lapse even if the surrender value is
not enough to pay the periodic fees and charges when due. The
death benefit guarantee is an optional benefit and may be
selected only when you apply for the policy.
- If you meet all the requirements, the death
benefit guarantee lasts until the younger insured person
reaches age 100.
- To keep the death benefit guarantee in
force, on any monthly processing date:
|
- Your cumulative premium payments minus any
partial withdrawals, loans and accrued loan interest, must
equal or exceed the sum of guarantee period monthly premium
payments to the current monthly processing date;
- Your policy value minus any outstanding loan
amount and accrued loan interest (the "net policy value") must
be allocated to at least five investment options;
and
- No more than 35% of your net policy value
may be in any one investment option.
|
- During the death benefit guarantee period
there is an additional monthly charge for the death benefit
guarantee.
- The death benefit guarantee may not be
available in some states.
|
Temporary Insurance
See Temporary Insurance, page
18.
|
- If you apply and qualify, we may issue
temporary insurance equal to the total amount of insurance
coverage for which you applied.
- The maximum amount of temporary insurance is
$4.5 million, which includes other in-force coverage each
insured person has with us.
- Temporary insurance may not be available in
all states.
|
Rider Benefits
See Additional Insurance Benefits, page
30.
|
- Your policy may include additional insurance
benefits, attached by rider. There are two types of rider
benefits:
|
- Optional rider benefits that you must select
before they are effective; and
- Rider benefits that automatically come with
your policy.
|
- In many cases, we deduct an additional
monthly charge for these benefits.
- Not all riders may be available under your
policy or in your state.
|
Investment Options
See The Investment Options, page
12.
|
- You may allocate your net premiums to the
Security Life Separate Account L1 (the "variable account") and
to our fixed account.
- The variable account is one of our separate
accounts and consists of sub-accounts which invest in
corresponding funds. When you allocate premiums to a
sub-account, we invest any net premiums in shares of the
corresponding fund.
- Your variable account value will vary with
the investment performance of the funds and the charges we
deduct from your variable account value.
- The fixed account is part of our general
account and consists of all of our assets other than those in
our separate accounts (including the variable account) and loan
account.
- We credit interest of at least 3.00% per
year on amounts allocated to the fixed account, and we may, in
our sole discretion, credit interest in excess of this
amount.
|
Transfers
See Transfers, page 39.
|
- You currently may make an unlimited number
of transfers between the sub-accounts and to the fixed account
each policy year. Transfers are, however, subject to any
limits, conditions and restrictions that we or the funds whose
shares are involved may impose.
- There are certain restrictions on transfers
from the fixed account.
- We do not charge for transfers.
|
4 - Variable Survivorship
Dollar Cost Averaging
See Dollar Cost Averaging, page 39.
|
- Dollar cost averaging is a systematic
program of transferring policy values to selected sub-accounts
of the variable account. It is intended to help reduce the risk
of investing too much when the price of a fund's shares is
high. It also helps to reduce the risk of investing too little
when the price of a fund's shares is low.
- Dollar cost averaging does not assure a
profit nor does it protect you against a loss in a declining
market.
- There are certain conditions on
participation in the dollar cost averaging program, but there
is no charge to participate in the dollar cost averaging
program.
|
Automatic Rebalancing
See Automatic Rebalancing, page 40.
|
- Automatic rebalancing is a systematic
program through which your variable and fixed account values
are periodically reallocated among your selected investment
options to maintain the allocation percentages you have
chosen.
- Automatic rebalancing does not assure a
profit nor does it protect you against a loss in a declining
market.
- There are certain conditions on
participation in the automatic rebalancing program, but there
is no charge to participate in the automatic rebalancing
program.
|
Loans
See Loans, page 38.
|
- After the first policy month, you may take
loans against your policy's surrender value.
- A loan must be at least $100 and is
generally limited to your surrender value less the periodic
fees and charges to your next policy anniversary.
- When you take a loan from your policy we
transfer an amount equal to your loan to the loan account as
collateral for your loan. The loan account is part of our
general account.
- We credit amounts held in the loan account
with interest at an annual rate no less than 3.00%.
- We also charge interest on loans. Interest
is due in arrears on each policy anniversary and accrues daily
at a current annual rate of 3.75%.
- Loans reduce your policy's death benefit and
may cause your policy to lapse.
- Loans may have tax consequences, and you
should consult with a tax adviser before taking a loan from
your policy.
|
Partial Withdrawals
See Partial Withdrawals, page
41.
|
- After the first policy year, you may take up
to 12 partial withdrawals each policy year. In certain
circumstances you may take partial withdrawals during the first
policy year.
- A partial withdrawal must be at least $100
and may not exceed the amount which leaves your surrender value
less than $500.
- We currently charge a fee of 2.00% of the
amount withdrawn, up to $25 for each partial
withdrawal.
- Partial withdrawals may reduce the amount of
basic and total insurance coverage under your policy and will
reduce your policy value.
- Partial withdrawals may also have tax
consequences, and you should consult with a tax adviser before
taking a partial withdrawal from your policy.
|
Surrenders
See Surrender, page 46.
|
- You may surrender your policy for its
surrender value at any time before the death of the second of
the insured people.
- Your surrender
value is your policy value minus any surrender charge and your
outstanding loan amount and accrued loan interest.
- Surrender charges apply for the first nine
years of each segment of basic insurance coverage. Surrender
charges are level for the first five years then decrease each
year to zero at the beginning of the tenth year.
- Surrender charge rates vary by the insured
people's genders and ages at the time each basic insurance
coverage segment is established.
- If you decrease your basic insurance
coverage, surrender charges are assessed against the policy
value. If there are multiple coverage segments, the decrease
and surrender charges will be processed on a pro rata
basis.
- If the surrender charge exceeds your net
policy value, there will be no proceeds paid to you upon
surrender.
- All insurance coverage ends on the date we
receive your surrender request.
|
Variable Survivorship - 5
|
- If you surrender your policy it cannot be
reinstated.
- Surrendering the policy may have tax
consequences, and you should consult with a tax adviser before
surrendering your policy.
|
Reinstatement
See Reinstatement, page 47.
|
- You may reinstate your policy (other than
the death benefit guarantee) and riders within five years of
lapse if you still own the policy and did not surrender it and
the insured people are still insurable.
- You will need to pay the required
reinstatement premium.
- If you had an outstanding loan when coverage
lapsed, we will reinstate it with accrued loan interest to the
date of the lapse.
- When we reinstate your policy, we reinstate
the surrender charges for the amount and time remaining when
your policy lapsed.
- A policy that is reinstated more than 90
days after lapsing may be considered a modified endowment
contract for tax purposes.
- Reinstating your policy may have tax
consequences, and you should consult with a tax adviser before
reinstating your policy.
|
Factors You Should
Consider Before Purchasing a Policy
|
The decision to purchase a
policy should be discussed with your agent/registered
representative. Make sure you understand the policy's investment
options, its other features and benefits, its risks and the fees
and charges you will incur. Consider, among others, the following
matters.
|
Life Insurance Coverage
|
- The policy is not a short-term savings
vehicle and should be purchased only if you need life insurance
coverage. Evaluate your need for life insurance coverage before
purchasing a policy.
- You should purchase a policy only if you
intend and have the financial capability to keep the policy in
force for a substantial period of time.
|
Investment Risk
See The Variable Account, page
13.
|
- You should evaluate the policy's long-term
investment potential and risks before purchasing a
policy.
- For amounts you allocate to the sub-accounts
of the variable account:
|
- Your values will fluctuate with the markets,
interest rates and the performance of the underlying
funds;
- You assume the risk that your values may
decline or may not perform to your expectations;
- Your policy could lapse without value or you
may be required to pay additional premium because of poor fund
performance;
- Each fund has various investment risks, and
some funds are riskier than others;
- You should read each fund's prospectus and
understand the risks associated with the fund before allocating
your premiums to its corresponding sub-account; and
- There is no assurance that any fund will
achieve its stated investment objective.
|
- For amounts you allocate to the fixed
account:
|
- Interest rates we declare will change over
time; and
- You assume the risk that interest rates may
decline, although never below the guaranteed minimum annual
rate of 3.00%.
|
Fees and Charges
See Fees and Charges, page
19.
|
- A policy's fees and charges reflect costs
associated with its features and benefits.
- Before purchasing a policy, compare the
value that these various features and benefits have to you,
given your particular circumstances, with the fees and charges
associated with those features and benefits.
- In the early policy years the surrender
charge may exceed the policy value because the surrender charge
may be more than the cumulative premiums minus policy fees and
charges. Therefore, you should purchase a policy only if you
intend and have the financial capability to keep the policy in
force for a substantial period of time.
|
6 - Variable Survivorship
Lapse
See Lapse, page 46.
|
- Your policy may lapse and your insurance
coverage under the policy may terminate if on any monthly
processing date:
|
- The no-lapse guarantee or the death benefit
guarantee is not in effect; and
- Your surrender value is not enough to pay
the periodic fees and charges when due.
|
- If you meet these conditions, we will send
you notice and give you a 61 day grace period to make a
sufficient premium payment.
- If you do not make a sufficient premium
payment by the end of the 61 day grace period, your life
insurance coverage will terminate and your policy will lapse
without value.
- Partial withdrawals and loans have an
adverse impact on your surrender value. Before taking a partial
withdrawal or loan consider its affect on your ability to keep
your policy from lapsing.
|
Exchanges
See Purchasing a Policy, page
15.
|
- Replacing your existing life insurance
policy(ies) with the policy described in this prospectus may
not be beneficial to you.
- Before purchasing a policy, determine
whether your existing policy(ies) will be subject to fees or
penalties upon surrender or cancellation.
- Also compare the fees, charges, coverage
provisions and limitations, if any, of your existing
policy(ies) with those of the policy described in this
prospectus.
|
Taxation
See TAX CONSIDERATIONS, page 48.
|
- 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.
- Assuming the policy qualifies as a life
insurance contract under current federal income tax law, your
policy earnings are generally not subject to income tax as long
as they remain within your policy. Depending on your
circumstances, however, the following events may have tax
consequences for you:
|
- Reduction in the amount of your insurance
coverage;
- Partial withdrawals;
- Loans;
- Surrender;
- Lapse; and
- Reinstatement.
|
- 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.
- 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.
- Consult with a qualified legal or tax
adviser before you purchase a policy.
|
Sales Compensation
|
- We pay compensation to broker/dealers who
sell the policy.
- Broker/dealers may be able to choose to
receive their compensation under various payment options, but
their choice will not affect the fees and charges you will pay
for the policy.
|
Other Products
|
- We and our affiliates offer other insurance
products which may have different features, benefits, fees and
charges. These other products may better match your
needs.
- Contact your agent/registered representative
if you would like information about these other
products.
|
Variable Survivorship - 7
Fees and
Charges
|
Transaction Fees and
Charges The following table describes the fees
and charges deducted at the time you buy the policy, make a
partial withdrawal, surrender your policy, or request an excess
illustration. See Fees and Charges - Transaction Fees
and Charges, page 19.
|
Charge
|
When Deducted
|
Amount Deducted
|
Tax Charges
|
- Deducted when you make a premium
payment.
|
- 2.50% for state and local taxes.
- 1.50% for estimated federal income tax
treatment of deferred acquisition costs.
|
Sales Charge
|
- Deducted when you make a premium
payment.
|
- 5.50% of premium up to target premium in
segment years 1-5.
- 2.00% of premium above segment target
premium in segment years 1-5.
- 2.00% of all premium received in segment
years 6+.
|
Partial Withdrawal Fee
|
- Deducted when you take a partial
withdrawal.
|
- 2.00% of the amount withdrawn, up to
$25.
|
Surrender Charge 1
|
- Deducted during the first nine segment years
when you surrender your policy, decrease your basic insurance
coverage, take a partial withdrawal which decreases your basic
insurance coverage or allow your policy to lapse.
|
- Minimum rates - $X.XX per $1,000 of basic
insurance coverage.
- Maximum rates - $X.XX per $1,000 of basic
insurance coverage.
- Rates for representative insured people -
$X.XX per $1,000 of basic insurance coverage. The
representative insured people are _____________, age
XX.
- Rates remain level for the first five years
then decrease at the beginning of each year to zero at the
beginning of the tenth year.
|
Excess Illustration Fee
|
- Deducted each time you request an
illustration after the first each policy year.
|
- $0 - current.
- $25 - maximum.
|
1
|
The surrender charge rates
shown are for the first policy year. The rates that apply to you
depend on the age and genders of the insured people. The rates
for the representative insured people listed above may be more or
less than you will pay, and you should contact your
agent/registered representative for information about the rates
that apply to you.
|
8 - Variable Survivorship
Periodic Fees and
Charges The following table describes the fees
and charges deducted each day or each month on the monthly
processing date. See Fees and Charges - Periodic Fees
and Charges, page 21.
|
Charge
|
When Deducted
|
Amount Deducted
|
Mortality & Expense Risk
Charge
|
- Daily and included in the daily unit value
calculation.
|
- Percentage of policy value invested in the
variable account -
|
- 0.002055% daily (0.75%
annually).
|
Policy Charge
|
- On the monthly processing date.
|
- $15 per month in policy years
1-10.
- $9 per month in policy years
11+.
|
Administrative Charge
|
- On the monthly processing date.
|
- Minimum Rates per $1,000 of basic insurance
coverage -
|
|
- Maximum Rates per $1,000 of basic insurance
coverage -
|
|
- Rates for representative insured people per
$1,000 of basic insurance coverage -
|
- $X.XX.
- The representative insured people are
_____________, age XX in the ________________ risk
class.
|
- Rates apply to the first $2.5 million of
basic insurance coverage.
|
Cost of Insurance Charge
2
|
- On the monthly processing date.
|
- Minimum Rates per $1,000 of basic insurance
coverage -
|
- $X.XX - current.
- $X.XX - guaranteed.
|
- Maximum Rates per $1,000 of basic insurance
coverage -
|
- $X.XX - current.
- $X.XX - guaranteed.
|
- Rates for representative insured people per
$1,000 of basic insurance coverage -
|
- $X.XX - current.
- $X.XX - guaranteed.
- The representative insured people are
_____________, age XX in the ________________ risk
class.
|
Death Benefit Guarantee Charge (if
selected)
|
- On the monthly processing date.
|
- $0.005 per $1,000 of basic insurance
coverage during the guarantee period.
|
2
|
The cost of insurance rates
shown are for the first policy year. The rates that apply to you
depend on the amount of your basic insurance coverage and the
insured people's ages, genders, policy duration and risk classes
and generally increase each year after the first segment year.
Different cost of insurance rates will apply to each segment of
basic insurance coverage. The rates for the representative
insured people listed above may be more or less than you will
pay, and you should contact your agent/registered representative
for information about the rates that apply to you.
|
Variable Survivorship - 9
Optional Rider Fees
and Charges The following table describes the
charges deducted if you elect any of the optional rider benefits.
See Fees and Charges - Optional Rider Fees and Charges,
page 23.
|
Rider
|
When Deducted
|
Amount Deducted
|
Adjustable Term Insurance Rider
3
|
- On the monthly processing date.
|
- Minimum Rates per $1,000 of rider benefit
-
|
- $X.XX - current
- $X.XX - guaranteed.
|
- Maximum Rates per $1,000 of rider benefit
-
|
- $X.XX - current.
- $X.XX - guaranteed.
|
- Rates for representative insured people per
$1,000 of rider benefit -
|
- $X.XX - current.
- $X.XX - guaranteed.
- The representative insured people are
________________, age XX in the ______________ risk
class.
|
Single Life Term Insurance Rider
4
|
- On the monthly processing date.
|
- Minimum Rates per $1,000 of rider benefit
-
|
- $X.XX - current
- $X.XX - guaranteed.
|
- Maximum Rates per $1,000 of rider benefit
-
|
- $X.XX - current.
- $X.XX - guaranteed.
|
- Rates for representative insured person per
$1,000 of rider benefit -
|
- $X.XX - current.
- $X.XX - guaranteed.
- The representative insured person is a
____________, age XX in the ______________ risk
class.
|
3
|
The rates shown are for the
first policy year. The rates for this rider depend on the insured
people's ages, genders, risk classes and policy duration and
generally increase each year after the first policy year. The
rates for the representative insured people listed above may be
more or less than you will pay, and you should contact your
agent/registered representative for information about the rates
that apply to you.
|
4
|
The rates shown are for the
first policy year. The rates for this rider depend on the insured
person's age, gender, risk class and policy duration and
generally increase each year after the first policy year. The
rates for the representative insured person listed above may be
more or less than you will pay, and you should contact your
agent/registered representative for information about the rates
that apply to you.
|
Fund Fees and Expenses. The
following table shows the minimum and maximum total fees and expenses
charged by any of the funds. These may change from year to year. You
should review the fund prospectuses for details about the fees and
charges specific to a particular fund. See also Appendix
B.
Annual Total Fund
Expenses (expenses deducted from fund assets)
|
Minimum
|
Maximum
|
Total Gross Annual Fund Expenses
5
|
X.XX%
|
XX.XX%
|
Total Net Annual Fund Expenses 5,
6
|
X.XX%
|
X.XX%
|
5
|
Total Annual Fund Expenses
include management fees, distribution (12b-1) fees and other
expenses.
|
6
|
The Total Net Annual Fund
Expense figures take into account contractual arrangements that
require reimbursement or waiver of certain fund fees and
expenses.
|
10 - Variable Survivorship
How the Policy Works
Variable Survivorship - 11
|
THE COMPANY, THE
FIXED ACCOUNT
AND THE VARIABLE ACCOUNT
|
Security Life of Denver Insurance
Company
|
We are a stock life insurance
company organized in 1929 and incorporated under the laws of the
State of Colorado. We are admitted to do business in the District
of Columbia and all states except New York. Our headquarters is
at 1290 Broadway, Denver, Colorado 80203-5699.
|
We are a wholly-owned indirect
subsidiary of ING Groep N.V. ("ING"), a global financial
institution active in the fields of insurance, banking and asset
management. ING is headquartered in Amsterdam, The
Netherlands.
|
The Investment
Options
|
You may allocate your premium
payments to any of the available investment options. These
options include the fixed account and sub-accounts of the
variable account. The investment performance of a policy depends
on the performance of the investment options you
choose.
|
The Fixed
Account
|
In the policy the "fixed account" is referred
to as the "Guaranteed Interest Division."
|
|
You may allocate all or a part
of your net premium and transfer your net policy value into the
fixed account. We declare the interest rate that applies to all
amounts in the fixed account. This interest rate is never less
than 3.00%. The credited interest rate will be in effect for an
initial twelve-month period. Thereafter, the credited interest
rate will be guaranteed for successive twelve-month periods at an
interest rate current at the time. Interest compounds daily at an
effective annual rate that equals the declared rate. We credit
interest to the fixed account on a daily basis. We pay interest
regardless of the actual investment performance of our general
account. We bear all of the investment risk for the fixed
account.
|
|
Your fixed account value equals
the net premium you allocate to the fixed account, plus interest
earned, minus amounts you transfer out or withdraw. It may be
reduced by fees and charges assessed against your policy
value.
|
The fixed account guarantees
principal and is part of our general account. The general account
supports our non-variable insurance and annuity obligations. We
have not registered interests in the fixed account under the
Securities Act of 1933, as amended ("1933 Act"). Also, we have
not registered the fixed account or the general account as an
investment company under the Investment Company Act of 1940, as
amended ("1940 Act") (because of exemptive and exclusionary
provisions). This means that the general account, the fixed
account and interests in it 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 fixed account. These disclosures, however, may be
subject to certain requirements of the federal securities law
regarding accuracy and completeness of statements
made.
|
12 - Variable Survivorship
The Variable
Account
|
|
We established Security Life
Separate Account L1 (the "variable account") on November 3, 1993,
as one of our separate accounts under the laws of the State of
Colorado. It is a unit investment trust, registered with the SEC
under the 1940 Act.
|
|
In the policy the "variable account" is
referred to as the "Separate Account."
|
We own all of the assets of the
variable account. Colorado law provides, however, that we cannot
charge the variable account with liabilities arising out of any
other business we may conduct. This means that if we ever became
insolvent, the variable account assets will be used first to pay
variable account policy claims. Only if variable account assets
remain after these claims have been satisfied can these assets be
used to pay owners of other policies and creditors.
|
|
The variable account is divided
into sub-accounts. Each sub-account invests in a corresponding
fund. When you allocate premium payments to a sub-account, you
acquire accumulation units of that sub-account. You do not invest
directly in or hold shares of the funds when you allocate premium
payments to the sub-accounts of the variable account. See
Appendix B to this prospectus for a list of the funds available
through the variable account along with information about each
fund's investment adviser/subadviser, investment objective and
total annual fund expenses.
|
More detailed information about
a fund, including information about the risks associated with
investing in the fund, is located in the fund's prospectus. Read
the fund prospectuses in conjunction with this prospectus, and
retain the prospectuses for future reference.
|
A fund available through the
variable account is not the same as a retail mutual fund with the
same or similar name. Accordingly, the management, expenses and
performance of a fund available through the variable account is
likely to differ from a similarly named retail mutual
fund.
|
Voting Privileges. We
invest each sub-account's assets in shares of a corresponding
fund. We are the legal owner of the fund shares held in the
variable 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 1940 Act.
|
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 fund share has the right
to one vote. The votes of all fund shares are cast together on a
collective basis, except on issues for which the interests of the
funds differ. In these cases, voting is on a fund-by-fund
basis.
|
Examples of issues that require
a fund-by-fund vote are changes in the fundamental investment
policy of a particular fund or approval of an investment advisory
agreement.
|
We vote the shares in
accordance with your instructions at meetings of the fund's
shareholders. We vote any fund shares that are not attributable
to policies and any fund shares for which the owner does not give
us instructions in the same proportion as we vote the shares for
which we did receive voting instructions.
|
We reserve the right to vote
fund shares without getting instructions from policy owners if
the federal securities laws, regulations or their interpretations
change to allow this.
|
Variable Survivorship - 13
|
You may instruct us only on
matters relating to the funds corresponding to the sub-accounts
in which you have invested assets as of the record date set by
the fund's Board for the shareholders meeting. We determine the
number of fund shares in each sub-account of your policy by
dividing your variable account value in that sub-account by the
net asset value of one share of the matching fund.
|
Right to Change the Variable
Account. Subject to state and federal law and the rules and
regulations thereunder, we may, from time to time, make any of
the following changes to our variable account with respect to
some or all classes of policies:
|
- Change the investment objective;
- Offer additional sub-accounts which will
invest in funds we find appropriate for policies we
issue;
- Eliminate sub-accounts;
- Combine two or more
sub-accounts;
- Substitute a new fund for a fund in which a
sub-account currently invests. A substitution may become
necessary if, in our judgment:
|
- A fund no longer suits the purposes of your
policy;
- There is a change in laws or
regulations;
- There is a change in the fund's investment
objectives or restrictions;
- The fund is no longer available for
investment; or
- Another reason we deem a substitution is
appropriate.
|
- In the case of a substitution, the new fund
may have different fees and charges than the fund it
replaced;
- Transfer assets related to your policy class
to another separate account;
- Withdraw the variable account from
registration under the 1940 Act;
- Operate the variable account as a management
investment company under the 1940 Act;
- Cause one or more sub-accounts to invest in
a fund other than, or in addition to, the funds currently
available;
- Stop selling the policy;
- End any employer or plan trustee agreement
with us under the agreement's terms;
- Limit or eliminate any voting rights for the
variable account;
- Make any changes required by the 1940 Act or
its rules or regulations; or
- Close a sub-account to new
investments.
|
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 sub-account to another sub-account or to the fixed
account, you may do so free of charge. Just notify us at our
customer service center.
|
DETAILED INFORMATION ABOUT THE
POLICY
|
This prospectus describes our
standard Variable Survivorship variable universal life insurance
policy. The policy provides death benefits, policy values and
other features of traditional life insurance contracts. There may
be variations in policy features, benefits and charges because of
requirements of the state where we issue your policy. We describe
all such differences in your policy.
|
If you would like to know about
state variations, please ask your agent/registered
representative. We can provide him/her with the list of
variations that will apply to your policy.
|
14 - Variable Survivorship
Purchasing a Policy
|
|
To purchase a policy you must
submit an application to us. On that application you will, among
other things, select:
|
- The amount of your insurance coverage (your
coverage generally must be at least $250,000);
- Your initial death benefit option;
and
- Any riders or optional benefits.
|
Additionally, on the
application you will provide us with certain health and other
necessary information.
|
On
the date coverage under the policy begins (the "policy date"),
the age of the two insured people on whose lives we issue the
policy (the "insured people", each an "insured person") generally
can be no more than age 85. "Age" or "joint equivalent age" under
a policy means the sum of both insured people's ages adjusted for
the differences in age and gender, divided by two and rounded
down. An individual insured person's age is measured on their
birthday nearest the policy date. The individual age of each
insured person generally must be no more than 90 on the policy
date. There is no maximum age difference between the two insured
people.
|
The insured people share some
relationship and commonly include husband and wife; business
partners; parent and child; grandparent and grandchild; and
siblings. Upon the death of the second of the insured people we
pay the death benefit.
|
From time to time, we may
accept an insured person who exceeds our normal maximum age
limit. We will not unfairly discriminate in determining the
maximum age at issue. All exceptions to our normal limits are
dependent upon our ability to obtain acceptable reinsurance
coverage for our risk with an older insured. We may also set a
minimum age to issue a policy.
|
You may request that we
back-date the policy up to six months to allow the insured people
to give proof of a younger age for the purposes of your
policy.
|
Premium
Payments
|
Premium payments are flexible
and you may choose the amount and frequency of premium payments,
within limits, including:
|
- We may refuse to accept any premium less
than $25;
- You cannot pay additional premiums after age
100 of the younger insured person;
- We may refuse any premium that would
disqualify your policy as life insurance under Section 7702 of
the Internal Revenue Code; and
- We may refuse to accept any premium that
does not comply with our anti-money laundering program. See
General Policy Provisions - Anti-Money Laundering, page
56.
|
After
we deduct the tax charges and the sales charge from your premium
payments, we apply the remaining premium (the "net premium") to
your policy as described below.
|
A premium payment is received
by us when it is received at our offices. After you have paid
your initial premium, we suggest you send payments directly to
us, rather than through your agent/registered representative, to
assure the earliest crediting date.
|
Variable Survivorship - 15
|
Your initial premium must be at
least equal to the sum of the scheduled premium from the policy
date through the investment date. The investment date is the date
we apply the net premium to your policy.
|
Scheduled Premium. You
may select your scheduled (planned) 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 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.
|
If you have the death benefit
guarantee feature, your scheduled premium should not be less than
the guarantee period annual premium shown in your policy. See
Death Benefits - No-Lapse and Death Benefit Guarantees,
page 29.
|
Unscheduled Premium
Payments. Generally speaking, you may make unscheduled
premium payments at any time, however:
|
- We may limit the amount of an unscheduled
premium payment if it would result in an increase in the amount
of the base death benefit required by the federal income tax
law definition of life insurance. We may require satisfactory
evidence that the insured people are insurable at the time that
you make the unscheduled premium payment if the base death
benefit is increased due to an unscheduled premium
payment;
- We may require proof that at least one
insured person is insurable if an unscheduled premium payment
will cause the net amount at risk to increase; and
- We will return premium payments which 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.
|
Target Premium. Target
premium is not based on your scheduled premium. Target premium is
actuarially determined based on the ages and genders of the
insured people. The target premium is used to determine your
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 additional segments
is listed in your policy schedule pages.
|
Minimum Annual Premium.
To qualify for the no-lapse guarantee, during each of your first
five policy years you must pay at least the minimum annual
premium shown in your policy. See Death Benefits -
No-Lapse and Death Benefit Guarantees, page 29.
|
We may reduce the minimum
annual premium for group or sponsored arrangements, or for
corporate purchasers.
|
In the policy, the "no-lapse guarantee period"
is referred to as the "Special Continuation Period."
|
|
Premium Payments Affect Your
Coverage. Unless your policy is in the no-lapse guarantee
period or you have the death benefit guarantee feature, your
coverage lasts only as long as you have a positive surrender
value which is enough to pay the fees and charges due each month.
If you do not meet this requirement, your policy will enter a 61-
day grace period and you must make a sufficient premium payment
to keep your policy from lapsing. See Termination of
Coverage - Lapse, page 46.
|
16 - Variable Survivorship
During the no-lapse guarantee
period, we guarantee that your policy and riders will not lapse
regardless of your surrender value provided your cumulative
premium payments, minus any partial withdrawals and any
outstanding loan amount and accrued loan interest are at least
equal to your minimum annual premium. See Death
Benefits - No-Lapse and Death Benefit Guarantees, page
29.
|
|
If you have the death benefit
guarantee, we guarantee that your policy will not lapse during
the guarantee period provided your cumulative premium payments
minus any partial withdrawals and any outstanding loan amount and
accrued loan interest are at least equal to the guarantee period
annual premium and your net policy value meets certain
diversification requirements. See Death Benefits -
No-Lapse and Death Benefit Guarantees, page 29.
|
Allocation of Net Premium. We
apply the initial net premium to your policy after all of the
following conditions have been met:
|
- We receive the required initial
premium;
- All issue requirements have been received by
our customer service center; and
- We approve your policy for
issue.
|
Amounts you designate for the
fixed account will be allocated to that account on the investment
date. If your state requires return of your premium during the
free look period, we initially invest amounts you have designated
for the sub-accounts of the variable account in the sub-account
which invests in the Fidelity VIP Money Market Portfolio. We
later transfer these amounts from this sub-account to your
selected sub-accounts, based on your most recent premium
allocation instructions, at the earlier of the following
dates:
|
- Five days after the date we mailed your
policy to you plus the length of your state free look period;
or
- The date we receive your delivery receipt
plus the length of your state free look period.
|
If your state provides for
return of your policy value during the free look period (or
provides no free look period), we allocate amounts you designated
for the sub-accounts of the variable account directly into those
sub-accounts.
|
All net premium we receive
after the applicable period are allocated to your policy on the
valuation date of receipt. We will use your most recent premium
allocation instructions specified in percentages stated to the
nearest tenth and totaling 100%.
|
Free Look
Period
|
You have the right to examine
your policy and return it to us (for any reason) within the
period shown in the policy. The period during which you have this
right is called the free look period and starts on the date you
receive your policy. If you return your policy to us within the
free look period, we cancel it as of your policy date.
|
If you cancel your policy
during the free look period, you will receive a refund as
determined by state law. Generally, there are two types of free
look refunds:
|
- Refund of all premium we have received from
you; or
- Refund of your policy value plus a refund of
all charges deducted.
|
The type of refund that applies
in your state will be specified in your policy. The type of free
look refund will affect when premium received before the end of
the free look period is allocated to the sub-accounts. See
Premium Payments - Allocation of Net Premium, page
17.
|
Variable Survivorship - 17
|
Temporary
Insurance
|
If you apply and qualify, we
may issue temporary insurance in an amount equal to the amount of
insurance coverage for which you applied, up to $4.5 million,
which includes other in-force coverage each insured person has
with us.
|
Temporary insurance coverage
begins when all of the following events have occurred:
|
- You have completed and signed our temporary
insurance coverage form;
- We have received and accepted a premium
payment of at least your scheduled premium (selected on your
application); and
- The necessary parts of the application are
complete.
|
Unless otherwise provided by
state law, temporary insurance coverage ends on the earliest
of:
|
- Five days after we mail the premium refund
to the address on your application;
- Five days after we mail notice of
termination to the address on your application;
- Your policy date;
- The date we refuse to issue a policy based
on your application; or
- 90 days after you sign our temporary life
insurance coverage form.
|
There is no death benefit under
the temporary insurance coverage if any of the following events
occur:
|
- There is a material misrepresentation in
your answers on the temporary insurance coverage
form;
- There is a material misrepresentation in
statements on your application;
- The persons intended to be insured die by
suicide or self-inflicted injury; or
- The bank does not honor your premium check
or authorized withdrawal.
|
During the period of temporary
insurance coverage your premium payments are held by us in a
general suspense account until underwriting is completed and the
policy is issued or the temporary insurance coverage otherwise
ends. Premiums held in this suspense account do not earn interest
and they are not allocated to the investment options available
under the policy until a policy is issued. See Premium
Payments - Allocation of Net Premium, page 17.
|
18 - Variable Survivorship
Fees and Charges
|
|
We deduct fees and charges
under the policy to compensate us for:
|
- Providing the insurance benefits of the
policy (including any rider benefits);
- Administering the policy;
- Assuming certain risks in connection with
the policy; and
- Incurring expenses in distributing the
policy.
|
The amount of a fee or charge
may be more or less than the cost associated with the service or
benefit. Accordingly, excess proceeds from one fee or charge may
be used to make up a shortfall on another fee or charge, and we
may earn a profit on one or more of these fees and charges. We
may use any such profits for any proper corporate purpose,
including, among other things, payment of sales
expenses.
|
Transaction Fees
and Charges
|
We deduct the following
transaction fees and charges from your policy value each time you
make certain transactions.
|
Variable Survivorship - 19
|
Tax Charges. We deduct
2.5% from each premium payment to cover the total average state
and local taxes we expect to pay. We pay state and local taxes in
most states. These taxes vary from state to state and from
jurisdiction to jurisdiction.
|
We deduct 1.5% from 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 premium we
receive.
|
We may increase or decrease the
charges for taxes, within limits, if there are changes in the tax
rates or tax laws.
|
Sales Charge. We deduct
a sales charge from each premium payment.
|
|
Sales Charge
Percentage
|
Segment Year
|
Up to Segment
Target Premium
|
Above Segment
Target Premium
|
1-5
6+
|
5.5%
2.0%
|
2.0%
2.0%
|
To determine your applicable
sales charge, premium payments we receive after an increase in
the amount of basic insurance coverage are allocated to your
coverage segments in the same proportion as the target premium
for each segment bears to the sum of the target premium for all
segments.
|
This charge helps compensate us
for the costs associated with selling the policies, including
promotional, advertising and distribution expenses.
|
20 - Variable Survivorship
Partial Withdrawal Fee. We
deduct a partial withdrawal fee each time you take a partial
withdrawal from your policy. The amount of this fee is 2.00% of
the amount withdrawn up to $25. We deduct the partial withdrawal
fee proportionately from your remaining fixed and variable
account values.
|
|
This fee helps offset the
expenses we incur when processing a partial
withdrawal.
|
Surrender Charge. We deduct a
surrender charge during the first nine segment years when
you:
|
- Surrender your policy;
- Allow your policy to lapse;
- Decrease your basic insurance coverage;
or
- Take a partial withdrawal which decreases
the amount of your basic insurance coverage.
|
The amount of the surrender
charge depends on the amount of basic insurance coverage
surrendered or decreased and the surrender charge
rates.
|
When you purchase a policy or
increase your basic insurance coverage, we set surrender charge
rates based on the genders and ages of the insured people. These
surrender charge rates decline to zero in the tenth segment year.
Each coverage segment will have its own set of surrender charge
rates which will apply only to that segment. See Death
Benefits - Changes in the Amount of Your Insurance Coverage,
page 24. The rates that apply to you will be set forth in
your policy. See the Fees and Charges - Transaction
Fees and Charges table on page 8 for the minimum and maximum
surrender charge rates and the rates for representative insured
people.
|
For full surrenders, you will
receive the surrender value of your policy. For decreases in the
amount of basic insurance coverage, the surrender charge will
reduce your policy value. If there are multiple segments of basic
insurance coverage, the coverage decreases and surrender charges
assessed will be processed on a pro rata basis.
|
In the early policy years the
surrender charge may exceed the policy value because the
surrender charge may be more than the cumulative premiums minus
policy fees and charges. Therefore, you should purchase a policy
only if you intend and have the financial capability to keep the
policy in force for a substantial period of time.
|
The surrender charge helps
offset the expenses we incur in issuing and distributing the
policy.
|
Excess Illustration Fee. We
currently do not assess this fee, but we reserve the right to
assess a fee of up to $25 for each illustration of your policy
values you request after the first each policy year.
|
This fee helps offset the costs
we incur when processing requests for excess
illustrations.
|
Periodic Fees and Charges
|
We deduct the following
periodic fees and charges from your policy value each day or on
the monthly processing date. The monthly processing date is the
same date each month as your policy date. If that date is not a
valuation date, then the monthly processing date is the next
valuation date.
|
Variable Survivorship - 21
|
At any time you may choose one
investment option from which we will deduct your periodic fees
and charges. If you do not choose the investment option or the
amount in your chosen investment option is not enough to cover
the periodic fees and charges, then your periodic fees and
charges are taken from the sub-accounts and fixed account in the
same proportion that your value in each has to your net policy
value.
|
Mortality & Expense Risk
Charge. We deduct from your policy value a mortality and
expense risk charge of 0.002055% (0.75% on an annual basis) of
the amount you have invested in the sub-accounts. This charge is
deducted each day as part of the calculation of the daily unit
values for the sub-accounts and does not appear as a separate
charge on your statement or confirmation.
|
This charge helps compensate us
for the mortality and expense risks we assume when we issue a
policy. The mortality risk is the risk that insured people, as a
group, may live less time than we estimated. The expense risk is
the risk that the costs of issuing and administering the policies
and operating the sub-accounts of the variable account are
greater than we estimated.
|
Policy Charge. Each
month we deduct a policy charge of $15 during the first ten
policy years and $9 each month thereafter.
|
This charge helps compensate us
for the costs associated with:
|
- Processing applications;
- Conducting medical examinations;
- Establishing policy records; and
- Underwriting.
|
Administrative Charge.
Each month we deduct an administrative charge equal to our
current monthly administrative charge rates multiplied by the
amount of your basic insurance coverage (or total insurance
coverage, if greater) divided by 1,000. The rates apply to the
first $2.5 million of coverage and vary based on the insured
people's age at issue. The rates decrease after the tenth policy
year. The rates that apply to you will be set forth in your
policy. See the Fees and Charges - Periodic Fees and
Charges table on page 9 for the minimum and maximum
administrative charge rates and the rates for representative
insured people.
|
This charge helps offset the
costs we incur in administering the policy, including costs
associated with:
|
- Billing and collecting premiums;
- Processing claims and policy
transactions;
- Keeping records;
- Reporting and communicating with policy
owners; and
- Our overhead and other expenses.
|
Cost of
Insurance. Each month we deduct a cost of insurance charge
equal to our current monthly cost of insurance rates multiplied
by the net amount at risk for each segment of your basic
insurance coverage. The net amount at risk as calculated on each
monthly processing date equals the difference between:
|
- Your current base death benefit, discounted
to take into account one month's interest earnings at an
assumed 3.00% annual interest rate; and
- Your policy value minus the periodic fees
and charges due on that date, other than cost of insurance
charges.
|
22 - Variable Survivorship
Monthly cost of insurance rates
are based on the insured people's ages, genders, risk classes and
amount of insurance coverage on the policy date and each date you
increase your insurance coverage (a "segment date") and the
segment year. They will not, however, be greater than the
guaranteed cost of insurance rates shown in the policy, which are
based on the 1980 Commissioner's Standard Ordinary Sex Distinct
Mortality Tables. The rates that apply to you will be set forth
in your policy. See the Fees and Charges -
Periodic Fees and Charges table on page 9 for the minimum
and maximum cost of insurance rates and the rates for the
representative insured people.
|
|
Separate cost of insurance
rates apply to each segment of your insurance coverage and your
riders. The maximum rates for the initial segment and each new
segment of your insurance coverage will be printed in your policy
schedule pages.
|
The cost of insurance charge
varies from month to month because of changes in your net amount
at risk, changes in the death benefit and the increasing age of
the insured people. We allocate the net amount at risk to
segments of basic insurance coverage in the same proportion that
each segment has to the total amount of basic insurance coverage
as of the monthly processing date.
|
There are no cost of insurance
charges during the continuation of coverage period.
|
The cost of insurance charge
compensates us for the ongoing costs of providing insurance
coverage, including the expected cost of paying death benefit
proceeds that may be more than your policy value.
|
Death Benefit Guarantee
Charge. If you have the death benefit guarantee feature, each
month during the guarantee period we deduct a death benefit
guarantee charge of $.005 per $1,000 of basic insurance coverage.
We guarantee that this charge will not exceed this
rate.
|
This charge helps compensate us
for the costs associated with providing the death benefit
guarantee.
|
Optional Rider Fees and Charges
|
There may be separate fees and
charges for optional rider benefits. See the Fees and
Charges - Optional Rider Fees and Charges table on page 10
and the Additional Insurance Benefits - Optional Rider
Benefits section on page 31 for more information about the
optional rider benefits and the applicable fees and
charges.
|
Waiver and Reduction of Fees and
Charges
|
We may waive or reduce any of
the fees and charges under the policy, as well as the minimum
amount of insurance coverage set forth in this prospectus. Any
waiver or reduction will be based on expected economies that
result in lower sales, administrative or mortality expenses. For
example, we may expect lower expenses in connection with sales
to:
|
- Certain groups or sponsored arrangements
(including our employees, employees of our affiliates, our
appointed sales agents and certain family members of each of
these groups of individuals);
- Corporate purchasers;
- Our policyholders or the policyholders of
our affiliated companies, or
- Certain groups or individuals who purchase
the policy through investment professionals who charge a fee
for their services.
|
Variable Survivorship - 23
|
Any variation in fees and
charges will be based on differences in costs or services and our
rules in effect at the time. We may change our rules from time to
time, but we will not unfairly discriminate in any waiver or
reduction.
|
Fund Fees and
Expenses
|
A fund's fees and expenses are
set by the fund and may change from year to year. They are
deducted from the fund's assets and are not direct charges
against a sub-account's assets or policy values. Rather, they are
included when each underlying fund computes its net asset value,
which is the share price used to calculate the unit values of the
sub-accounts. See the Fees and Charges - Fund
Fees and Expenses table on page 10 for the minimum and
maximum total annual fund expenses of the funds available through
the policy. See also Appendix B for each fund's total annual fund
expenses.
|
For a more complete
description of the funds' fees and expenses, review each fund's
prospectus.
|
Each of the funds or their
affiliates pays us compensation for recordkeeping, administration
or other services. The amount of compensation is usually based on
the aggregate assets of the fund from policies that we issue or
administer. Some funds or their affiliates pay us more than
others and some of the amounts we receive may be
significant.
|
Death Benefits
|
As a joint and survivor
universal life insurance policy, your policy has a joint nature
to the death benefit. We do not pay death benefit proceeds until
the death of the second of the insured people. The death benefit
is calculated as of the date of death of the second of the
insured people.
|
In the policy the amount of insurance coverage
you select is referred to as the "Face Amount."
|
|
You decide the amount of life
insurance protection you need, now and in the future. Generally,
we require a minimum of $250,000 in insurance coverage to issue
your policy. If you have coverage under the adjustable term
insurance rider, the minimum basic coverage amount is $100,000 as
long as the total coverage is at least $250,000. We may lower
this minimum for certain group, sponsored or corporate
purchasers. The amount of insurance coverage in effect on your
policy date is your initial coverage segment.
|
|
You can combine the long-term
advantages of permanent life insurance with the flexibility and
short-term advantages of term life insurance through the policy.
The base policy provides the permanent element of your coverage.
The adjustable term insurance rider provides the term insurance
element of your coverage.
|
|
It may be to your economic
advantage to include part of your insurance coverage under the
adjustable term insurance rider. The adjustable term insurance
rider has no cash value, however, and provides no growth
potential. Both the cost of insurance under the term insurance
rider and the cost of insurance under the base policy are
deducted monthly from your policy value and generally increase
with the ages of the insured people.
|
Changes in the
Amount of Your Insurance Coverage
|
Subject to certain limitations,
you may change the amount of your insurance coverage after the
first policy year (first monthly processing date for an
increase). The change will be effective on the next monthly
processing date after we receive your written request.
|
24 - Variable Survivorship
There may be underwriting or
other requirements that must be met before we will approve a
change. After we approve your request to change the amount of
insurance coverage under the policy, we will 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.
|
|
Changes in the amount of your
insurance coverage must be for at least $1,000.
|
A requested increase in basic
insurance coverage will cause a new coverage segment to be
created. Once we create a new segment, it is permanent unless law
requires differently.
|
Each new segment will
have:
|
- A new sales charge;
- New cost of insurance charges, guaranteed
and current;
- A new incontestability period;
- A new suicide exclusion period;
- A new target premium;
- A new minimum annual premium during the
no-lapse guarantee period; and
- A new surrender charge.
|
If a death benefit option
change causes the amount of basic insurance coverage to increase,
no new segment is created. Instead, the size of each existing
segment(s) is (are) changed. If it causes the amount of basic
insurance coverage to decrease, each segment is
decreased.
|
In determining the net amount
at risk for each coverage segment we allocate the net amount at
risk among the basic coverage segments in the same proportion
that each segment bears to the total amount of basic insurance
coverage.
|
You may not decrease the amount
of your insurance coverage below the minimum we require to issue
you a policy. Decreases in insurance coverage may result
in:
|
- Surrender charges on the amount of the
decrease;
- Reduced target premium amounts;
and
- Reduced cost of insurance
charges.
|
Requested reductions in the
amount of insurance coverage will first decrease your total
insurance coverage amount. We decrease your basic insurance
coverage amount only after your adjustable term insurance rider
coverage is reduced to zero. If you have more than one segment,
we divide decreases in basic coverage among your coverage
segments pro rata unless law requires differently.
|
We reserve the right to not
approve a requested change if it will disqualify your policy as
life insurance under federal income tax law. Decreasing the
amount of insurance coverage under your policy could cause your
policy to be considered a modified endowment contract. If this
happens, prior and subsequent distributions from the policy
(including loans) may be subject to adverse tax treatment. You
should consult a tax adviser before changing your amount of
insurance coverage. See Distributions Other than Death
Benefits - Modified Endowment Contracts, page
50.
|
Variable Survivorship - 25
|
Continuation of
Coverage
|
The continuation of coverage
feature automatically continues your insurance coverage in force
beyond the policy anniversary nearest the younger insured
person's 100th birthday, unless prohibited by state
law. If you do not surrender your policy before this date, on
this date:
|
- The amount of your total insurance coverage
becomes your basic insurance coverage amount;
- Death benefit option 2 is converted to death
benefit option 1, if applicable;
- All riders are terminated;
- Your net policy value is transferred into
the fixed account and subsequent transfers into the
sub-accounts are not allowed; and
- Dollar cost averaging and automatic
rebalancing programs are terminated.
|
Your insurance coverage
continues in force until the death of the second of the insured
people, unless the policy lapses or is surrendered.
However:
|
- We accept no further premium payments;
and
- We deduct no further fees and charges except
transaction fees and charges, if applicable.
|
Partial withdrawals and loans
are allowed during the continuation of coverage period. If we pay
a persistency refund on the fixed account, it will be credited to
your policy. If you have an outstanding loan, interest continues
to accrue. If you fail to make sufficient loan or loan interest
payments, it is possible that the outstanding loan amount plus
accrued loan interest may become greater than your policy value
and cause your policy to lapse. To avoid lapse, you may repay the
loan and loan interest 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 policy value. There is no
surrender charge during this period. All other normal
consequences of surrender apply. See Termination of
Coverage - Surrender, page 46.
|
The continuation of coverage
feature is not available in all states. If a state has approved
this feature, it is automatic under your policy. In certain
states the death benefit during the continuation of coverage
period is the net policy value. Contact your agent/registered
representative or our customer service center to find out if this
feature is available in your state and which type of death
benefit applies in your state.
|
The tax consequences of
coverage continuing beyond the younger insured person's
100th birthday are uncertain. You should consult a tax
adviser as to those consequences. See Other Tax Matters -
Continuation of a Policy Beyond Age 100, page 51.
|
Death Benefit Qualification
Test
|
The death benefit proceeds are
generally not subject to federal income tax if your policy
continues to meet the federal income tax definition of life
insurance. Your policy will meet this definition of life
insurance provided that it meets the requirements of the
guideline premium test.
|
|
In the policy the "guideline premium test" is
referred to as the "Guideline Premium/Cash Value Corridor
Test."
|
|
The guideline premium test
requires that premium payments do not exceed certain statutory
limits and your death benefit is at least equal to your policy
value multiplied by a factor defined by law. The guideline
premium test provides for a maximum amount of premium in relation
to the death benefit and a minimum amount of death benefit in
relation to policy value. The factors for the guideline premium
test can be found in Appendix A to this prospectus.
|
26 - Variable Survivorship
Death Benefit Options
|
|
There are two death benefit
options available under the policy. You choose the option you
want when you apply for the policy. You may change that choice
after your first monthly processing date and before age 100 of
the younger insured person.
|
Option 1. Under death
benefit option 1, the base death benefit is the greater
of:
|
- The amount of basic insurance coverage in
effect on the date of the second death of the insured people;
or
- Your policy value on the date of the second
death of the insured people multiplied by the appropriate
factor from the definition of life insurance factors described
in Appendix A.
|
Under this option your base
death benefit will remain level unless your policy value
multiplied by the appropriate factor described in Appendix A
exceeds the amount of basic insurance coverage. In this case,
your death benefit will vary as the policy value
varies.
|
With option 1, positive
investment performance generally reduces your net amount at risk,
which lowers your policy's cost of insurance charge. Option 1
also offers insurance coverage at a set amount with potentially
lower cost of insurance charges over time.
|
Option 2. Under death
benefit option 2, the base death benefit is the greater
of:
|
- The amount of basic insurance coverage in
effect on the date of the second death of the insured people
plus your policy value; or
- Your policy value on the date of the second
death of the insured people multiplied by the appropriate
factor from the definition of life insurance factors described
in Appendix A.
|
Under this option your base
death benefit will vary as the policy value varies and investment
performance is reflected in your insurance coverage.
|
Option 2 is not available after
age 100 of the younger insured person. If option 2 is in effect
at age 100 of the younger insured person, it automatically
converts to death benefit option 1. See Death Benefits
- Continuation of Coverage, page 26.
|
Enhanced Death Benefit
Corridor Option. The policyowner may elect, at any time prior
to policy issuance, the enhanced death benefit corridor
option.
|
This option generally provides
an opportunity for an increased death benefit on the lives of the
insured people at certain ages. Under the enhanced death benefit
corridor option, the base death benefit calculation uses the
appropriate enhanced factor from the definition of life insurance
factors described in the attached Appendix A.
|
There is no separate charge for
this feature. However, the same policy value may generate a
higher base death benefit under policies with this option than on
policies not electing the option. Cost of insurance charges are
based on the net amount at risk, which is the difference between
the policy value and the base death benefit. Therefore, as a
result of the increased death benefit, the cost of insurance
charges may be higher for policies electing this option. Your
agent/registered representative can provide you with a
personalized illustration to show the difference between a policy
with this option and one without it. If your policy does not have
sufficient policy value, electing this option may have no effect
on the base death benefit.
|
Variable Survivorship - 27
|
Adding this option to your
policy does not affect the operation of your policy's riders,
including the Adjustable Term Insurance Rider. When the base
death benefit exceeds the basic insurance coverage, transactions
which reduce your policy value (such as a partial withdrawal)
also reduce the death benefit. The dollar reduction to the death
benefit under these circumstances is greater for policies with
the enhancement option than on those without the
option.
|
Once elected, this option
cannot be deleted. Once elected, this option continues as long as
coverage on the original insured people continues.
|
Which Death Benefit Option
to Choose. If you are satisfied with the amount of your basic
insurance coverage and prefer to have premium payments and
favorable investment performance reflected to the maximum extent
in the policy value and lower cost of insurance charges, you
should choose death benefit option 1. If you prefer to have
premium payments and favorable investment performance reflected
partly in the form of an increasing death benefit, you should
choose death benefit option 2.
|
Changing Death Benefit
Options. On or after the first monthly processing date and
before age 100 of the younger insured person you may change death
benefit options as described below. We may require evidence of
insurability under our normal rules of underwriting for some
death benefit option changes.
|
Changing your death benefit
option may reduce or increase your basic and total insurance
coverage amounts but it will not change the amount of your base
and total death benefits. We may not approve a death benefit
option change if it reduces the amount of insurance coverage
below the minimum we require to issue your policy. The following
death benefit option changes are allowed, and on the effective
date of the change the amount of your basic insurance coverage
will change as follows:
|
Change From:
|
Change To:
|
Basic Insurance Coverage
Following the Change:
|
Option 1
|
Option 2
|
- Your basic insurance coverage before the
change minus your policy value as of the effective date of the
change.
|
Option 2
|
Option 1
|
- Your basic insurance coverage before the
change plus your policy value as of the effective date of the
change.
|
Your death benefit option
change is effective on your next monthly processing date after we
approve it.
|
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.
|
If a death benefit option
change causes the amount of insurance coverage to change, no new
coverage segment(s) is (are) created. Instead, the size of each
existing segment(s) is (are) changed. If you change death benefit
options, there is no change to the amount of term insurance if
you have the adjustable term insurance rider. See Optional
Rider Benefits - Adjustable Term Insurance Rider, page
31.
|
We do not impose a surrender
charge if a death benefit option change results in a decrease in
the amount of your basic insurance coverage. Additionally, we do
not adjust the target premium when you change your death benefit
option. See Transaction Fees and Charges - Surrender Charge,
page 21.
|
28 - Variable Survivorship
Changing your death
benefit option may have tax consequences. You should consult a
tax adviser before making changes.
|
|
Death Benefit Proceeds
|
After the death of the second
of the insured people, if your policy is in force we pay the
death benefit proceeds to the beneficiaries. The beneficiaries
are the people you name to receive the death benefit proceeds
from your policy. The death benefit proceeds are equal
to:
|
- Your base death benefit; plus
- The amount of any rider benefits;
minus
- Any outstanding loan amount plus accrued
loan interest; minus
- Any outstanding fees and charges incurred
before the death of the second of the insured
people.
|
The death benefit is calculated
as of the date of death of the second of the insured people and
will vary depending on the death benefit option you have
chosen.
|
No-Lapse and
Death Benefit Guarantees
|
No-lapse Guarantee. The
policy has a no-lapse guarantee which provides that the policy
will not lapse during the first five policy years (the no-lapse
guarantee period) regardless of its surrender value, if on a
monthly processing date:
|
|
In the policy the no-lapse guarantee period is
referred to as the "Special Continuation Period."
|
- Premiums you have paid, minus partial
withdrawals that you have taken, minus outstanding loans,
including accrued loan interest, is greater than or equal
to;
- The cumulative minimum monthly premiums for
each policy month from the first month of your policy through
the current monthly processing date.
|
The minimum monthly premium is
one-twelfth of the minimum annual premium. Your minimum annual
premium is based on:
|
|
- The amount of your basic insurance
coverage;
- The insured people's ages, genders and risk
classes; and
- Additional rider coverage on your
policy.
|
Your minimum annual premium is
shown in the schedule pages of your policy. We may reduce the
minimum annual premium for group or sponsored arrangements, or
for corporate purchasers.
|
During the no-lapse guarantee
period, if there is not enough surrender value to pay the
periodic fees and charges due each month and you have satisfied
these requirements, we do not allow your policy to lapse. We do
not permanently waive these charges. Instead, we continue to
deduct these charges which may result in a negative surrender
value, unless you pay enough premium to prevent this. The
negative balance is your unpaid monthly periodic fees and charges
owing. At the end of the no-lapse guarantee period, to avoid
lapse of your policy you must pay enough premium to bring the
surrender value to zero plus the amount that covers your
estimated monthly periodic fees and charges for the following two
months. See Termination of Coverage - Lapse, page
46.
|
Death Benefit Guarantee.
The policy has a death benefit guarantee which provides that the
policy will not lapse even if the surrender value is not enough
to pay the periodic fees and charges each month.
|
|
In the policy the "death benefit guarantee" is
referred to as the "Guaranteed Minimum Death Benefit."
|
This is an optional benefit
that may be selected only when you apply for the policy. The
death benefit guarantee extends the period that your policy's
basic insurance coverage remains in force even if the surrender
value declines due to poor investment performance of the funds.
Provided you keep the death benefit guarantee in force, this
guarantee lasts until the continuation of coverage period begins,
so long as you meet all requirements.
|
|
Variable Survivorship - 29
|
To keep the death benefit
guarantee in force:
|
- You must pay premium at least equal to the
guarantee period annual premium; and
- Your net policy value must meet certain
diversification requirements.
|
The guarantee period annual
premium for the death benefit guarantee is based on a percentage
of the guideline level premium calculated under the federal tax
laws.
|
Your guideline level annual
premium depends on:
|
- The amount of your basic insurance
coverage;
- The insured people's ages, genders, risk
classes and underwriting characteristics;
- The death benefit option you
choose;
- Additional rider coverage on your policy;
and
- Other additional benefits on your
policy.
|
On each monthly processing date
we test to see if you have paid enough premium to keep your
guarantee in place. We take the actual premiums we have received
and subtract the partial withdrawals and loans (including accrued
interest) you have taken. The result 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. A guarantee period monthly premium is equal to one-twelfth
of the guarantee period annual premium.
|
You must continually meet the
premium requirements for this feature to remain in effect. If
your policy benefits increase, the guarantee period annual
premium increases.
|
In addition, to keep the death
benefit guarantee in force your net policy value on any monthly
processing date must be diversified as follows:
|
- Your net policy value is invested in at
least five investment options; and
- No more than 35% of your net policy value is
in any one investment option.
|
Your policy will continue to
meet the diversification requirements if you have dollar cost
averaging which results in transfers into at least four
sub-accounts with no more than 35% of any transfer directed to
any one or you have automatic rebalancing and meet the two
diversification tests listed above. See Transfers - Dollar
Cost Averaging, page 39 and Transfers - Automatic Rebalancing,
page 40.
|
You should consider the
following factors in relation to the death benefit
guarantee:
|
- If you have the death benefit guarantee, the
guarantee period annual premium will be shown on your policy
schedule page. (See Purchasing a Policy - Premium
Payments, page 15);
- If your policy fails to satisfy either the
annual premium or diversification test we will send you a
notice and give you a thirty day opportunity to correct the
condition. If you do not correct it, the death benefit
guarantee terminates;
- Once it terminates, you cannot reinstate the
death benefit guarantee and the guarantee period annual premium
no longer applies to your policy;
- Even if the death benefit guarantee
terminates, your policy will not necessarily lapse (See
Termination of Coverage - Lapse, page
46).
|
Additional Insurance
Benefits
|
Your policy may include
additional insurance benefits, attached by rider. There are two
types of riders:
|
- Those that provide optional benefits that
you must select before they are effective; and
- Those that automatically come with the
policy.
|
30 - Variable Survivorship
The following information does
not include all of the terms and conditions of each rider, and
you should refer to the rider to fully understand its benefits
and limitations. We may offer riders not listed here. Not all
riders may be available under your policy. Contact your
agent/registered representative for a list of riders and their
availability.
|
|
Optional Rider
Benefits
|
The following riders may have
an additional cost, but you may cancel optional riders at any
time. Adding or canceling riders may have tax
consequences. See Distributions Other than Death
Benefits - Modified Endowment Contracts, page
50.
|
Adjustable Term Insurance
Rider. You may increase the amount of your total insurance
coverage under the policy by adding coverage under the adjustable
term insurance rider before the insured people's joint equivalent
age of 85, assuming both insured people are alive and insurable.
This rider allows you to schedule the pattern of insurance
coverage appropriate for your anticipated needs. As the name
suggests, the adjustable term insurance rider adjusts over time
to maintain your desired level of total coverage.
|
|
In the policy "basic insurance coverage" or
"basic coverage" is referred to as the "Stated Death Benefit";
the "total insurance coverage" or "total coverage" is referred to
as the "Target Death Benefit."
|
You specify your amount of
total insurance coverage when you apply for this rider. The
amount of total insurance coverage 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 - Changes
in the Amount of Your Insurance Coverage, page 24.
|
Generally, the minimum amount
of insurance coverage under a policy is $250,000. If you have an
adjustable term insurance rider, the minimum amount of basic
insurance coverage to issue a policy is $100,000, as long as your
total insurance coverage is at least $250,000.
|
|
We generally restrict your
coverage under this rider to an amount not more than nine times
your basic insurance coverage at issue. Under certain
circumstances, we will be willing to allow you to specify a total
insurance coverage of up to twenty-one times your basic insurance
coverage during the first four policy years. After this four-year
period, the normal total insurance coverage maximum
applies.
|
Variable Survivorship - 31
|
The adjustable term insurance
rider benefit is the difference between the amount of your total
death benefit and your base death benefit, but not less than
zero. The rider's benefit automatically adjusts daily as the
amount of your base death benefit changes. Your death benefit
proceeds depend on which death benefit option is in
effect:
|
Under death benefit option 1,
the total death benefit is the greater of:
|
- The amount of total insurance coverage you
have selected; or
- Your policy value multiplied by the
appropriate factor from the definition of life insurance
factors described in Appendix A.
|
Under death benefit option 2,
the total death benefit is the greater of:
|
- The amount of total insurance coverage you
have selected plus your policy value; or
- Your policy value multiplied by the
appropriate factor from the definition of life insurance
factors described in Appendix A.
|
For example, under death
benefit option 1, assume your base death benefit changes as a
result of a change in your policy value. The adjustable term
insurance rider adjusts to provide death benefit proceeds equal
to your total insurance coverage in each year:
|
Base Death
Benefit
|
Amount of
Total Insurance Coverage
|
Adjustable Term
Insurance Benefit
|
$201,500
|
$250,000
|
$48,500
|
$202,500
|
$250,000
|
$47,500
|
$202,250
|
$250,000
|
$47,750
|
32 - Variable Survivorship
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 benefit would be zero.
|
|
Even when the adjustable term
insurance benefit 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 the amount of your total
insurance coverage, the adjustable term insurance rider coverage
reappears to maintain the amount of your total insurance
coverage.
|
You may change the amount of
your total insurance coverage, according to our rules. See
Death Benefits - Changes in the Amount of Your Insurance
Coverage, page 24.
|
We may deny future, scheduled
increases to the amount of your total insurance coverage if you
cancel a scheduled change or if you ask for an unscheduled
decrease in your total insurance coverage.
|
Partial withdrawals, changes
from death benefit option 1 to option 2, and decreases in the
amount of your basic insurance coverage may reduce the amount of
your total insurance coverage. See Special Features and
Benefits - Partial Withdrawals, page 41; and Death
Benefits - Changes in the Amount of Your Insurance Coverage,
page 24.
|
Variable Survivorship - 33
|
There is no defined premium for
a given amount of adjustable term insurance benefit. Instead, we
deduct a separate monthly cost of insurance charge from your
policy value. The cost of insurance for this rider is calculated
as the monthly cost of insurance rate for the rider benefit
multiplied by the amount of adjustable term insurance 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 ages, genders and risk classes of the insured people,
as well as the length of time since your policy date. See the
Fees and Charges - Optional Rider Fees and Charges table
on page 10 for the minimum rates, maximum rates and the rates for
the representative insured people.
|
The only charge for this rider
is the cost of insurance charge. The total charges that you pay
may be more or less if you have some coverage under an adjustable
term insurance rider rather than just basic insurance coverage.
There are no sales charges or surrender charges for this
coverage.
|
If the total insurance coverage
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 risk classes even though satisfactory new evidence of
insurability is required for the increased schedule. The current
rates for this rider may be lower than current cost of insurance
rates for the basic insurance coverage. See Periodic Fees
and Charges - Cost of Insurance, page 22.
|
Not all policy features apply
to the adjustable term insurance rider. The rider does not
contribute to the policy value nor to the surrender value. It
does not affect investment performance and cannot be used for a
loan. The adjustable term insurance rider provides benefits only
at the death of the second of the insured people.
|
Single Life Term Insurance
Rider. This rider provides a benefit upon the death of one of
the insured people under your policy. You may choose to add a
single life term insurance rider for one insured person. Or, you
may add two riders, one for each insured person. You may add this
rider to your policy at any time if both insured people are alive
and insurable according to our rules.
|
We will issue the single life
term insurance rider on an insured person who is between the ages
of 15 and 85. Coverage under this rider will continue
until:
|
- The insured person covered by this rider
reaches age 100;
- The continuation of coverage provision
becomes effective;
- The death benefit guarantee is used to keep
the policy in force;
- The insured person covered by this rider
dies;
- The grace period expires and the policy
lapses; or
- The policy is surrendered.
|
34 - Variable Survivorship
The minimum amount of coverage
for a single life term insurance rider is $1,000. The maximum
coverage under this rider is subject to our underwriting
determinations. At issue, you may schedule the rider's benefit to
increase or decrease.
|
|
Your request for an increase or
decrease in rider coverage is effective on the next monthly
processing date after we approve your request. There may be
underwriting or other requirements which must be met before we
approve your request. A requested change in your coverage must be
for at least $1,000. If you schedule or request an increase after
issue, the insured person will be subject to our underwriting
requirements.
|
The charge for this rider is
based on the age, gender and risk class of the insured person.
The charge for this rider is deducted on each monthly processing
date as a cost per each $1,000 of the net amount at risk under
the rider. See the policy schedule pages for information on your
actual cost. There are no surrender charges for decreases in the
amount of coverage under the single life term rider. See the
Fees and Charges - Optional Rider Fees and Charges table
on page 10 for the minimum rates, maximum rates and the rates for
a representative insured person.
|
Automatic Rider Benefits
|
The following rider benefits
may come with your policy automatically. There may be an
additional charge if you choose to exercise any of these rider
benefits, and exercising the benefits may have tax consequences.
See the Fees and Charges - Optional Rider Fees and
Charges table, page 10; and Other Tax Matters -
Accelerated Death Benefit Rider, page 51.
|
Accelerated Death Benefit
Rider. Under certain circumstances, the accelerated death
benefit rider allows you to accelerate payment of the death
benefit that we otherwise would pay upon the second death of the
insured people. Generally, we will provide an accelerated benefit
under this rider if the sole surviving insured person has a
terminal illness that will result in his or her death within 12
months, as certified by a physician. The accelerated benefit may
not be more than 50% of the amount that would be payable at the
second death of the insured people. The accelerated benefit will
first be used to pay off any outstanding loans and interest due.
The remainder of the accelerated benefit will be paid to you in a
lump sum. There is no charge for this rider.
|
Consider the following factors
when deciding whether to accelerate the death benefit under this
rider:
|
- Receipt of an accelerated payment under this
rider reduces the policy's death benefit, surrender value and
rider benefits by the percentage of eligible coverage that is
accelerated. For example, if the accelerated payment is 25% of
the eligible coverage, the new death benefit will be 75% of the
death benefit proceeds just prior to acceleration;
- Accelerating the death benefit will not
affect the amount of premium payable on the policy;
- No loans are permitted after this rider is
exercised; and
- There may be tax consequences to requesting
payment under this rider, and you should consult with a
competent tax adviser for further information.
|
Certain limitations and
restrictions are described in the rider. Additionally, the
benefit may vary by state. You should consult your
agent/registered representative as to whether and to what extent
the rider is available in your particular state and on any
particular policy.
|
Variable Survivorship - 35
In the policy the "policy value" is referred to
as the "Account Value"; the "fixed account value" is referred to
as the "Account Value of the Guaranteed Interest Division"; the
"variable account value" is referred to as the "Account Value of
the Investment Options of the Separate Account"; and the "loan
account value" is referred to as the "Account Value of the Loan
Division."
|
|
Policy Value
|
Your policy value equals the
sum of your fixed account, variable account and loan account
values. Your policy value reflects:
|
- The net premium applied to your
policy;
- The fees and charges that we
deduct;
- Any partial withdrawals you
take;
- Interest earned on amounts allocated to the
fixed account;
- The investment performance of the funds
underlying the sub-accounts of the variable account;
and
- Interest earned on amounts held in the loan
account.
|
Fixed Account
Value
|
Your fixed account value equals
the net premium you allocate to the fixed account, plus interest
earned, minus amounts you transfer out or withdraw. It may be
reduced by fees and charges assessed against your policy value.
See The Investment Options - The Fixed Account, page
12.
|
Variable Account
Value
|
|
Your variable account value
equals your policy value attributable to amounts invested in the
sub-accounts of the variable account.
|
Determining Values in the
Sub-Accounts. The value of the amounts invested in the
sub-accounts are measured by accumulation units and accumulation
unit values. The value of each sub-account is the accumulation
unit value for that sub-account multiplied by the number of
accumulation units you own in that sub-account. Each sub-account
has a different accumulation unit value.
|
The accumulation unit value is
the value determined on each valuation date. The accumulation
unit value of each sub-account varies with the investment
performance of its underlying fund. It reflects:
|
- Investment income;
- Realized and unrealized gains and
losses;
- Fund expenses;
- Daily mortality and expense risk charges;
and
- Taxes, if any.
|
A
valuation date is a date on which a fund values its shares and
the New York Stock Exchange is open for business, except for days
on which valuations are suspended by the SEC. Each valuation date
ends at 4:00 p.m. Eastern time.
|
You purchase accumulation units
when you allocate premium or make transfers to a sub-account,
including transfers from the loan account.
|
We redeem accumulation
units:
|
- When amounts are transferred from a
sub-account (including transfers to the loan
account);
- For the monthly deduction of the periodic
fees and charges from your policy value;
- For policy transaction fees;
- When you take a partial
withdrawal;
- If you surrender your policy;
and
- To pay the death benefit
proceeds.
|
36 - Variable Survivorship
To calculate the number of
accumulation units purchased or sold we divide the dollar amount
of your transaction by the accumulation unit value for the
sub-account calculated at the close of business on the valuation
date of the transaction.
|
|
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.
|
We deduct the periodic fees and
charges each month from your policy 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 sub-accounts goes up or down depending on investment
performance of the corresponding funds. There is no guaranteed
minimum value of amounts invested in the sub-accounts of the
variable account.
|
How We Calculate
Accumulation Unit Values. We determine the accumulation unit
value for each sub-account on each valuation date.
|
We generally set the
accumulation unit value for a sub-account at $10 when the
sub-account is first opened. After that, the accumulation unit
value on any valuation date is:
|
- The accumulation unit value for the
preceding valuation date, multiplied by
- The sub-account'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 sub-account every valuation date as
follows:
|
- We take the net asset value of the
underlying fund shares as reported to us by the fund managers
as of the close of business on that valuation date;
- We add dividends or capital gain
distributions declared and reinvested by the fund during the
current valuation period;
- We subtract a charge for taxes, if
applicable;
- We divide the resulting amount by the net
asset value of the shares of the underlying fund at the close
of business on the previous valuation date; and
- We then subtract the mortality and expense
risk charge. The daily charge is 0.002055% (.75% annually) of
the accumulation unit value. If the previous day was not a
valuation date, this charge is multiplied by the number of days
since the last valuation date.
|
Loan Account
Value
|
When you take a loan from your
policy we transfer an amount equal to your loan to the loan
account as collateral for your loan. The loan account is part of our general
account and we credit interest to the amount held in the loan
account. Your loan account value is equal to your outstanding
loan amount plus interest in the loan account. See Special
Features and Benefits - Loans, page 38.
|
|
In the policy the "loan account" is referred to
as the "Loan Division."
|
Variable Survivorship - 37
|
Special Features and
Benefits
|
Loans
|
You may borrow money from us at
any time after the first policy month, by using your policy as
collateral for the loan. Unless state law requires otherwise, a
new loan amount must be at least $100 and the amount you may
borrow is limited to the surrender value of your policy minus the
monthly periodic fees and charges to your next policy anniversary
or the monthly periodic fees and charges for the next thirteen
months if you take a loan within thirty days before your next
policy anniversary.
|
Your loan request must be
directed to our customer service center. When you request a loan
you may specify the investment options from which the collateral
for the loan will be taken. If you do not specify the investment
options, the collateral for the loan will be taken
proportionately from each active investment option you have,
including the fixed account.
|
If you request an additional
loan, we add the new loan amount to your existing loan. This way,
there is only one loan outstanding on your policy at any
time.
|
Loan Interest. We credit
amounts held in the loan account with interest at an annual rate
of 3.00%. Interest which we credit to the loan account becomes
part of your loan account value until the next policy anniversary
when it is transferred to the investment options according to
your most recent allocation instructions.
|
We also charge interest on
loans you take. The annual interest rate charged is 3.75%.
Interest accrues daily but is due in arrears on each policy
anniversary. If you do not pay the interest when it is due, we
add it to your loan amount.
|
Loan Repayment. You may
repay your loan at any time. We assume that payments you make,
other than scheduled premium payments, are loan repayments. You
must tell us if you want unscheduled payments to be premium
payments.
|
When you make a loan repayment,
we transfer an amount equal to your payment from the loan account
to the sub-accounts and fixed account in the same proportion as
your current premium allocation, unless you tell us
otherwise.
|
Effects of a Loan. Using
your policy as collateral for a loan will effect your policy in
various ways. You should carefully consider the following before
taking a loan:
|
- If you do not make loan repayments your
policy could lapse if your loan amount plus accrued interest is
greater than your policy value, less any surrender
charges;
- A loan may cause the termination of the
death benefit guarantee because we deduct your loan amount plus
accrued loan interest from cumulative premiums paid when
calculating whether you have paid sufficient premiums to keep
the death benefit guarantee in effect;
- Taking a loan reduces your opportunity to
participate in the investment performance of the sub-accounts
and the interest guarantees of the fixed account;
|
38 - Variable Survivorship
- Accruing loan interest will change your
policy value as compared to what it would have been if you did
not take a loan;
- Even if you repay your loan, it will have a
permanent effect on your policy value;
- If you use the continuation of coverage
feature and you have a loan, loan interest continues to accrue
and could cause your policy to lapse;
- If you do not repay your loan we will deduct
any outstanding loan amount plus accrued loan interest from
amounts payable under the policy; and
- Loans may have tax consequences and if your
policy lapses with a loan outstanding, you may have further tax
consequences. See TAX CONSIDERATIONS - Distributions
Other than Death Benefits, page 49.
|
|
Transfers
|
You currently may make an
unlimited number of transfers of your variable account value
between the sub-accounts and to the fixed account. Transfers are
subject to any conditions that we or the funds whose shares are
involved may impose, including:
|
- 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;
- The minimum amount you may transfer is
$100;
- If the amount remaining in the investment
option after a transfer will be less than $100, we will
transfer the entire amount;
- We may limit the number of transfers or
restrict or refuse transfers because of excessive trading, as
described below; and
- Any conditions or limits we impose on
transfers will generally apply equally to all policy owners.
However, we may impose different conditions or limits on
third-parties, such as market timing services, acting on behalf
of policy owners.
|
Transfers from the fixed
account to the sub-accounts of the variable account may be made
only during the first 30 days of each policy year and are limited
to the greater of:
|
- 25% of your fixed account value at the time
of the first such transfer in a policy year;
- The sum of the amounts transferred and
withdrawn from the fixed account during the prior policy year;
or
- $100.
|
We process all transfers and
determine all values in connection with transfers on the next
valuation date after we receive your request, except as described
below for the dollar cost averaging or automatic rebalancing
programs.
|
Dollar Cost Averaging. Anytime
you have at least $10,000 invested in the sub-account which
invests in either the Fidelity VIP Money Market Portfolio or the
Neuberger Berman AMT Limited Maturity Bond Portfolio (the "source
sub-account"), you may elect dollar cost averaging. There is no
charge for this feature.
|
Dollar cost averaging is a
long-term investment program through which you direct us to
automatically transfer at regular intervals a specific dollar
amount or percentage of sub-account value from the source
sub-account to one or more of the other sub-accounts. We do not
permit transfers to the fixed account or the loan account under
this program. You may request that the dollar cost averaging
transfers occur on a monthly, quarterly, semi-annual or annual
basis.
|
Variable Survivorship - 39
|
This systematic plan of
transferring policy values is intended to help reduce the risk of
investing too much when the price of a fund's shares is high. It
also helps reduce the risk of investing too little when the price
of a fund's shares is low. Because you transfer the same dollar
amount to the sub-accounts each period, you purchase more units
when the unit value is low and you purchase fewer units when 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 a refund of
all premium received during the free look period, dollar cost
averaging begins after the end of your free look
period.
|
You may have both dollar cost
averaging and automatic rebalancing at the same time. However,
your dollar cost averaging source sub-account cannot be included
in your automatic rebalancing program.
|
Dollar cost averaging does
not assure a profit nor does it protect you against a loss in a
declining market.
|
You may discontinue your dollar
cost averaging program at any time. We reserve the right to
discontinue, modify or suspend this program, and dollar cost
averaging will automatically terminate on the date:
|
- You specify;
- Your balance in the source sub-account
reaches a dollar amount you set; or
- Your balance in the source sub-account is
equal to or less than the amount to be transferred. In this
situation we will transfer the entire balance of the source
sub-account to the other sub-accounts you have
selected.
|
Automatic Rebalancing. Automatic
rebalancing is a program for simplifying the process of asset
allocation and maintaining a consistent allocation of your
variable and fixed account values among your chosen investment
options. There is no charge for this feature.
|
If you elect automatic
rebalancing, we periodically transfer amounts among the
investment options to match the asset allocation percentages you
have chosen. This action rebalances the amounts in the investment
options that do not match your set allocation percentages. This
mismatch can happen if an investment option outperforms another
investment option over the time period between automatic
rebalancing transfers.
|
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 premium during the free look period). If you
do not request a date, processing is on the last valuation date
of the calendar quarter in which we receive your
request.
|
You may have both automatic
rebalancing and dollar cost averaging at the same time. However,
the source sub-account for your dollar cost averaging program
cannot be included in your automatic rebalancing program. You may
not include the loan account.
|
Automatic rebalancing does
not assure a profit nor does it protect you against a loss in a
declining market.
|
40 - Variable Survivorship
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 fixed account, it is considered a
transfer from that account. You must meet the requirements for
the maximum transfer amount and time limitations on transfers
from the fixed account.
|
|
If you have the death benefit
guarantee and you ask for an automatic rebalancing allocation
which does not meet the death benefit guarantee diversification
requirements, we will notify you and ask you for revised
instructions. If you have the death benefit guarantee and you
terminate automatic rebalancing, you still must meet the
diversification requirements for the guarantee period to
continue. See Death Benefits - No-Lapse and Death
Benefit Guarantees, page 29.
|
You may discontinue your
automatic rebalancing program at any time. We reserve the right
to discontinue, modify or suspend this program.
|
Excessive Trading.
Excessive trading activity can disrupt fund management strategies
and increase fund expenses through:
|
- Increased trading and transaction
costs;
- Forced and unplanned portfolio
turnover;
- Lost opportunity costs; and
- Large asset swings that decrease the fund's
ability to provide maximum investment return to all policy
owners.
|
In response to excessive
trading, we may restrict or refuse transfers, or restrict or
refuse transfers made through a fax machine, the internet or over
the telephone, including transfers made by third-parties, such as
market timing services, acting on behalf of policy owners. We
will take such actions when we determine, in our sole discretion,
that transfers are harmful to the funds or to policy owners as a
whole.
|
We will notify you in
writing if we restrict or refuse any transfer because we have
determined it to be harmful to the funds or policy owners as a
whole.
|
Conversion to a Guaranteed
Policy. During the first two policy years you may permanently
convert your policy to a guaranteed policy, unless state law
requires differently. If you elect to make this change, unless
state law requires that we issue to you a new guaranteed policy,
we will permanently transfer the amounts you have invested in the
sub-accounts of the variable account to the fixed account and
allocate all future net premium to the fixed account. After you
exercise this right you may not allocate future premium payments
or make transfers to the sub-accounts of the variable account. We
do not charge for this change.
|
Partial
Withdrawals
|
Beginning in the second policy
year (or the first policy year for "in corridor" policies) you
may withdraw part of your policy's surrender value. Twelve
partial withdrawals are currently allowed each policy year, and a
partial withdrawal must be at least $100. The maximum partial
withdrawal you may take is the amount which leaves $500 as your
surrender value (or for in corridor policies during the first
policy year, the amount that would cause your policy to no longer
qualify as "in corridor"). If your withdrawal request is for more
than the maximum, we will require you to surrender your policy or
reduce the amount of the withdrawal.
|
Variable Survivorship - 41
|
A policy is "in corridor"
if:
|
- Under death benefit option 1, your policy
value multiplied by the appropriate factor from the definition
of life insurance factors described in Appendix A is greater
than the amount of your basic insurance coverage;
or
- Under death benefit option 2, your policy
value multiplied by the appropriate factor from the definition
of life insurance factors described in Appendix A is greater
than your basic insurance coverage plus your policy
value.
|
We charge a partial withdrawal
fee of 2.00% of the amount withdrawn, up to $25 for each partial
withdrawal. See Transaction Fees and Charges - Partial
Withdrawal Fee, page 21.
|
Unless you specify a different
allocation, we will take partial withdrawals from the fixed
account and the sub-accounts of the variable account in the same
proportion that your value in each has to your net policy value
immediately before the withdrawal. We will determine these
proportions at the end of the valuation period during which we
receive your partial withdrawal request. However, amounts
withdrawn from the fixed account may not exceed the amount of the
total withdrawal multiplied by the ratio of your policy value in
the fixed account to your net policy value immediately before the
partial withdrawal.
|
Effects of a Partial
Withdrawal. We will reduce your policy value by the amount of
the partial withdrawal plus the partial withdrawal fee. Your
policy value may also be reduced by the amount of a surrender
charge if you take a partial withdrawal which decreases your
basic insurance coverage.
|
A partial withdrawal may also
cause the termination of the death benefit guarantee because we
deduct the amount of the partial withdrawal from the total
premiums paid when calculating whether you have paid sufficient
premiums in order to maintain the death benefit
guarantee.
|
Under death benefit option 1, a
partial withdrawal will reduce the amount of your basic insurance
coverage by the amount of a partial withdrawal unless:
|
- No more than fifteen years have passed since
your policy date;
- The joint equivalent age of the insured
people is less than age 81; and
- The amount of the partial withdrawal is less
than the greater of 10% of your policy value or 5% of the
amount of your basic insurance coverage.
|
Any amount withdrawn in excess
of the greater of 10% of your policy value or 5% of the amount of
your basic insurance coverage will reduce the amount of your
basic insurance coverage by that excess amount.
|
Under death benefit option 2, a
partial withdrawal will not reduce the amount of your basic
insurance coverage.
|
If a partial withdrawal reduces
the amount of basic insurance coverage, the total amount of
insurance coverage will also be reduced for the current year and
all future years by an equal amount. Therefore, a partial
withdrawal can affect the amount of pure insurance protection
under the policy.
|
We will not allow a partial
withdrawal if the amount of insurance coverage after the
withdrawal would be less than $250,000.
|
A reduction in the amount of
basic insurance coverage as a result of a partial withdrawal will
be pro-rated among the existing coverage segments, unless state
law requires otherwise.
|
42 - Variable Survivorship
A partial withdrawal may have
adverse tax consequences depending on the circumstances. See
TAX CONSIDERATIONS - Tax Status of the Policy, page
48.
|
|
Policy Split Option
|
Under certain circumstances,
you may exchange your policy for two single life insurance
policies: one on each of the two insured people. The policy split
option has insurability requirements which must be met at or
before your policy is split. Evidence of insurability is required
for a new single life policy where coverage is greater than 50%
of your original amount of basic insurance coverage or for an
insured person who is subject to certain underwriting
ratings.
|
On the effective date of the
policy split, the available death benefit under your policy will
be divided between the two new single life insurance policies.
You may take less than the maximum death benefit amount
available. If the total death benefit for the two new single life
insurance policies is less than the total death benefit under the
one policy before the split, there may be a surrender
charge.
|
Unless law requires otherwise,
you may use the policy split option upon the occurrence of any of
the following events:
|
- There is a dissolution of business conducted
or owned by the two insured people;
- Three months following the effective date of
a final divorce decree regarding the marriage of the two
insured people; or
- There is a change to the federal estate tax
law which results in either:
|
- Removal of the unlimited marital deduction
provision; or
- A reduction in the current maximum federal
estate tax of at least 50% after your policy date.
|
You must send us written notice
of your election to use the policy split option within 180 days
of the eligible event. You must provide satisfactory evidence
that the event has occurred.
|
The effective date of the policy split is the
first monthly processing date after we approve it. The insurance
coverage under the two individual life insurance policies will
start on the effective date of the policy split only if both
insured people are alive on that date. If either insured person
is not alive on that date, your exchange is void.
|
All terms and conditions of the
new policies apply once your policy is split and they may differ
from those of this policy. Consult your new single life insurance
policies.
|
The premium for each new policy
will be based on each insured person's age, gender and risk class
at the time of the split of your policy. Premium will be due for
each new policy under the terms of the new policy. The policy
value less any surrender charge due of the old policy will be
allocated to the new policies on the effective date in the same
proportion that the basic insurance coverage was divided between
the two single life insurance policies, unless we agree to a
different allocation. If this allocation causes an increase in
the basic insurance coverage of either of the new single life
policies, we may limit the policy value less any surrender charge
due you may apply to each new policy. Remaining surrender value
will be paid to you and may be taxable.
|
Variable Survivorship - 43
|
If you have an outstanding
policy loan it will be divided and transferred to each new single
life insurance policy in the same proportion as your policy value
less any surrender charge due is allocated. A remaining loan
balance must be paid before the effective date of the policy
split. Any person or entity to which you have assigned your
policy must agree to the policy split. An assignment of your
policy generally will apply to each new single life insurance
policy.
|
If you have a single life term
insurance rider on your policy at the date of the policy split,
you may have a term insurance rider insuring the same person on
the new policy, if that rider is available. Other riders may or
may not be available on the new policies and may be subject to
proof of insurability.
|
Exercising the policy split
option may be treated as a taxable transaction. Moreover, the two
single life insurance policies could be treated as modified
endowment contracts.
|
You may not split your policy
into two single life insurance policies if:
|
- The continuation of coverage period has
begun;
- One of the insured people has
died;
- Your grace period has ended and the policy
has lapsed; or
- Your policy has been terminated or
surrendered.
|
You should consult a tax
adviser before exercising the policy split option.
|
Persistency Refund
|
Where state law permits, we pay
long-term policy owners a persistency refund. Each month your
policy remains in force after your tenth policy anniversary, we
credit your policy value with a refund of 0.05% of your policy
value. This refund is 0.60% of your policy value on an annual
basis.
|
We do not guarantee that we
will pay a persistency refund on the fixed account. If we do,
however, we will pay it even if your policy is in the
continuation of coverage period.
|
We add the persistency refund
to the sub-accounts and fixed account, but not the loan account,
in the same proportion that your policy value in each investment
option has to your net policy value as of the monthly processing
date.
|
44 - Variable Survivorship
Termination of
Coverage
|
|
Your insurance coverage will
continue under the policy until you surrender your policy or it
lapses.
|
Surrender
|
You may surrender your policy
for its surrender value at any time after the free look period
before the second death of the insured people. Your surrender
value is your policy value minus any surrender charge and your
outstanding loan amount and accrued loan interest.
|
|
In the policy the "surrender value" is referred
to as the "Net Cash Surrender Value."
|
You may take your surrender
value in other than one payment.
|
We compute your surrender value
as of the valuation date we receive your written surrender
request and policy (or lost policy form) at our customer service
center. All insurance coverage ends on the date we receive your
surrender request and policy.
|
If you surrender your policy we
may deduct a surrender charge. See Transaction Fees and
Charges - Surrender Charge, page 21. Surrender of your policy
may have adverse tax consequences. See TAX CONSIDERATIONS -
Distributions Other than Death Benefits, page
49.
|
|
Lapse
|
Your policy will not lapse and
your insurance coverage under the policy will continue if on any
monthly processing date:
|
- The no-lapse guarantee is in
effect;
- The death benefit guarantee is in
effect;
- Your surrender value is enough to pay the
periodic fees and charges when due; or
- During the continuation of coverage period,
your policy value exceeds your outstanding loan amount plus
accrued loan interest.
|
Grace Period. If on a
monthly processing date you do not meet any of these conditions,
your policy will enter the 61-day grace period during which you
must make a sufficient premium payment to avoid having your
policy lapse and insurance coverage terminate.
|
Variable Survivorship - 45
|
We will notify you that your
policy is in a grace period at least 30 days before it ends. We
will send this notice to you (or a person to whom you have
assigned your policy) at your last known address in our records.
We will notify you of the premium payment necessary to prevent
your policy from lapsing. This amount generally equals the past
due charges, plus the estimated periodic fees and charges and
charges of any optional rider benefits for the next two months.
If we receive payment of the required amount before the end of
the grace period, we apply it to your policy in the same manner
as your other premium payments, then we deduct the overdue
amounts from your policy value.
|
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 variable and
fixed account values, deduct amounts you owe us and inform you
that your coverage has ended.
|
If the second of the insured
people dies during the grace period we pay death benefit proceeds
to your beneficiaries with reductions for your outstanding loan
amount, accrued loan interest and periodic fees and charges
owed.
|
During the early policy years
your surrender value may not be enough to cover the periodic fees
and charges due each month, and you may need to pay sufficient
premium to keep the no-lapse guarantee or the death benefit
guarantee in force. See Purchasing a Policy - Premium
Payments, page 15.
|
If your policy lapses, any
distribution of policy value may be subject to current taxation.
See TAX CONSIDERATIONS - Distributions Other than Death
Benefits, page 49.
|
Reinstatement
|
Reinstatement means putting a
lapsed policy back in force. You may reinstate a lapsed policy
(other than the death benefit guarantee) and its riders by
written request any time within five years after it has lapsed. A
policy that was surrendered may not be reinstated.
|
To reinstate the policy and any
riders, you must submit evidence of insurability satisfactory to
us and pay a premium large enough to keep the policy and any
rider benefits in force during the grace period and for at least
two months after reinstatement. We will not reinstate your policy
if one insured person has died or becomes uninsurable since your
policy date. If one insured person was uninsurable at the issue
date of your policy and remains uninsurable, we will review the
underwriting requirements applicable to each insured person at
the time you request reinstatement to determine whether or not
your policy may be reinstated. When we reinstate your policy, we
reinstate the surrender charges for the amount and time remaining
when your coverage lapsed. If you had a loan existing when
coverage lapsed, we will reinstate it with accrued loan interest
to the date of the lapse.
|
A policy that is reinstated
more than 90 days after lapsing may be classified as a modified
endowment contract for tax purposes. See Distributions
Other Than Death Benefits - Modified Endowment Contracts,
page 50.
|
46 - Variable Survivorship
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 federal estate, gift and generation-skipping tax
implications, state and local taxes or other 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 ("IRS").
|
The following discussion
generally assumes that the policy will qualify as a life
insurance contract for federal tax purposes.
|
Tax Status of the
Company
|
We are taxed as a life
insurance company under the Internal Revenue Code. The variable
account is not a separate entity from us. Therefore, it is not
taxed separately as a "regulated investment company," but is
taxed as part of the company. We automatically apply investment
income and capital gains attributable to the separate account to
increase reserves under the policy. Because of this, under
existing federal tax law we believe that any such income and
gains will not be taxed. In addition, any foreign tax credits
attributable to the separate account will first be used to reduce
any income taxes imposed on the variable account before being
used by the company.
|
We do not expect that we will
incur any federal income tax liability attributable to the
variable account and we do not intend to make provisions for any
such taxes. However, if changes in the federal tax laws or their
interpretation result in our being taxed in income or gains
attributable to the variable account, then we may impose a charge
against the variable account (with respect to some or all of the
policies) to set aside provisions to pay such taxes.
|
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 Section 7702 of the
Internal Revenue Code. Specifically, the policy must meet the
requirements of the guideline premium test as specified in Code.
While there is very 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.
|
We will at all times strive to
assure that the policy meets the statutory definition which
qualifies the policy as life insurance for federal income tax
purposes. See TAX CONSIDERATIONS - Tax Treatment of Policy
Death Benefits, page 49.
|
Variable Survivorship - 47
|
Diversification and
Investor Control Requirements
|
In addition to meeting the
Internal Revenue Code Section 7702 guideline premium test,
Internal Revenue Code Section 817(h) requires separate account
investments, such as our variable 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 sub-account must meet certain
tests. If your variable life policy is not adequately diversified
under these regulations, it is not treated as life insurance
under Internal Revenue Code Section 7702. You would then be
subject to federal income tax on your policy income as you earn
it. Each sub-account's corresponding fund has represented that it
will meet the diversification standards that apply to your
policy.
|
In certain circumstances,
owners of a variable life insurance policy have been considered,
for federal income tax purposes, to be the owners of the assets
of the separate account supporting their policies, due to their
ability to exercise investment control over their assets. When
this is the case, the policy owners have been currently taxed on
income and gains attributable to the separate account
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 additional 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 variable account assets. We do not know what
standards will be set forth in the future, if any, in 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 variable account assets, or
to otherwise qualify your policy for favorable tax
treatment.
|
Tax Treatment of Policy Death
Benefits
|
We believe that the death
benefit, or an accelerated death benefit, under a policy is
generally excludable from the gross income of the
beneficiary(ies) under section 101(a)(1) of the Internal Revenue
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.
|
Distributions Other than Death
Benefits
|
Generally, the policy owner
will not be taxed on any of the policy 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."
|
48 - Variable Survivorship
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, such as
reduction in benefits, 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.
|
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 from 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.
|
Additionally, 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 includible in the policy owner's income when a taxable
distribution occurs.
|
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:
|
- 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. The amount of
gain in the policy will be equal to the difference between the
policy's value and the investment in the policy;
- 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; and
- A 10% additional income tax penalty may be
imposed on the distribution amount subject to income tax. This
tax penalty generally does not apply to distributions (a) made
on or after the date on which the taxpayer attains age 59
½, (b) which are attributable to the taxpayer's becoming
disabled (as defined in the Internal Revenue Code), or (c)
which are part of a series of substantially equal periodic
payments (not less frequently than annually) made for the life
(or life expectancy) of the taxpayer or the joint lives (or
joint life expectancies) of the taxpayer and his or her
beneficiary. Consult a tax adviser to determine whether or not
you may be subject to this penalty tax.
|
Variable Survivorship - 49
|
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 made in connection with
policy benefit reductions during the first fifteen policy years
may be treated in whole or in part as ordinary income subject to
tax. Consult a tax adviser to determine whether or not any
reduction in policy benefits will be subject to tax.
|
Loan amounts from or secured by
a policy that is not a modified endowment contract are generally
not taxed 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.
|
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.
|
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.
|
Other Tax
Matters
|
Policy Loans
|
In general, interest on a loan
will not be deductible. Before taking out a loan, you should
consult a tax adviser as to the tax consequences.
|
If a loan from a policy is
outstanding when the policy is surrendered 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.
|
Accelerated
Death Benefit Rider
|
We believe that payments under
the accelerated death benefit rider should be fully excludable
from the gross income of the beneficiary if the beneficiary is
one of the insured persons under the policy. (See Automatic
Rider Benefits - Accelerated Death Benefit Rider on page 35 for
more information about this rider.) However, you should
consult a qualified tax adviser about the consequences of adding
this rider to a policy or requesting payment under this
rider.
|
Continuation of a
Policy Beyond Age 100
|
The tax consequences of
continuing the policy beyond the policy anniversary nearest the
younger insured person's 100th birthday are unclear.
You should consult a tax adviser if you intend to keep the policy
in force beyond the policy anniversary nearest the younger
insured person's 100th birthday.
|
50 - Variable Survivorship
Section 1035 Exchanges
|
|
Internal Revenue Code Section
1035 provides, in certain circumstances, that no gain or loss
will be recognized on the exchange of one life insurance policy
for another life insurance policy or an endowment or annuity
contract. We accept 1035 exchanges with outstanding loans.
Special rules and procedures apply to 1035 exchanges. These rules
can be complex, and if you wish to take advantage of Section
1035, you should consult your tax adviser.
|
Taxation of Policy Splits
|
The policy split option permits
a policy to be split into two other single life policies upon the
occurrence of:
|
- Dissolution of business conducted or owned
by the joint insureds;
- A divorce of the joint insureds,
or
- Certain changes in federal estate tax
laws.
|
Using the policy split option
could have adverse tax consequences. Before you exercise the
policy split option, it is important that you consult with a tax
advisor regarding the possible tax consequences.
|
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.
|
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.
|
Policy Changes to Comply with the
Law
|
So that your policy continues
to qualify as life insurance under the Internal Revenue 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.
|
Any increase in your death
benefit will cause an increase in your cost of insurance
charges.
|
Variable Survivorship - 51
|
Policy Availability and Qualified
Plans
|
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.
|
Life Insurance Owned by
Businesses
|
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.
|
Income Tax Withholding
|
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.
|
Policy Transfers
|
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.
|
52 - Variable Survivorship
ADDITIONAL INFORMATION
|
|
General Policy
Provisions
|
Your Policy
|
The policy is a contract
between you and us and is the combination of:
|
- Your policy;
- A copy of your original application and
applications for benefit increases or decreases;
- Your riders;
- Your endorsements;
- Your policy schedule pages; and
- Your reinstatement applications.
|
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 other officer of
our company and our secretary or assistant secretary must sign
all changes or amendments to your policy. No other person may
change its terms or conditions.
|
Age
|
The age stated in your policy
schedule is the joint equivalent age of the insured people we use
to issue your policy. The
joint equivalent age is the sum of both insured people's ages
adjusted for the differences in ages and genders, divided by two
and rounded down.
|
The insured people must each be
no more than age 90 at policy issue. The minimum joint equivalent
age must be at least 15. The maximum joint equivalent age must be
no more than 85. There is no limit on the difference in the
insured people's ages. Age is measured as the age of the insured
person on the birthday nearest the policy anniversary.
|
The policy anniversary nearest
to the younger insured person's 100th birthday,
whether or not he/she has survived, is the date used for
continuation of coverage purposes.
|
Variable Survivorship - 53
|
We often use age to calculate
rates, charges and values. We determine an 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 policy
schedule.
|
Ownership
|
The original owner is the
person named as the owner in the policy application. The owner
can exercise all rights and receive benefits until the death of
the second of the insured people. These rights include the right
to change the owner, beneficiaries or the method designated to
pay death benefit 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
beneficiaries.
|
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.
|
Beneficiaries
|
You, as owner, name the
beneficiaries when you apply for your policy. The primary
beneficiaries who survive both of the insured people receive the
death benefit proceeds. Other surviving beneficiaries receive
death benefit proceeds only if there is no surviving primary
beneficiaries. If more than one beneficiary survives both insured
people, they share the death benefit proceeds equally, unless you
specify otherwise. If none of your policy beneficiaries has
survived both insured people, we pay the death benefit proceeds
to you or to your estate, as owner.
|
You may name new beneficiaries
any time before the death of the second of the insured people. We
pay death benefit proceeds to the beneficiaries whom you have
most recently named according to our records. We do not make
payments to multiple sets of beneficiaries. The designation of
certain beneficiaries may have tax consequences. See TAX
CONSIDERATIONS - Other Tax Matters, page
51.
|
Collateral Assignment
|
You may assign your policy by
sending written notice to us. After we record the assignment,
your rights as owner and the beneficiaries' rights (unless the
beneficiaries were made irrevocable beneficiaries under an
earlier assignment) are subject to the assignment. It is your
responsibility to make sure the assignment is valid. The
transfer or assignment of a policy may have tax consequences. See
TAX CONSIDERATIONS - Other Tax Matters, page
51.
|
Incontestability
|
After your policy has been in
force and both insured people are alive for two years from the
policy date and from the effective date of any new coverage
segment, an increase in any other benefit or reinstatement, we
will not question the validity of statements in your applicable
application.
|
54 - Variable Survivorship
Misstatements of Age or
Gender
|
|
Notwithstanding the
Incontestability provision above, if an insured person's age or
gender has been misstated, we adjust the death benefit to the
amount which would have been purchased for each insured person's
correct age and gender. We base the adjusted death benefit on the
cost of insurance charges deducted from your policy value on the
last monthly processing date before the death of the second of
the insured people, or as otherwise required by law.
|
Suicide
|
If either insured person
commits suicide (while sane or insane), within two years of your
policy date, unless otherwise required by law, we limit death
benefit proceeds to:
|
- The total premium we receive to the time of
death; minus
- Outstanding loan account value plus accrued
loan interest; minus
- Partial withdrawals taken.
|
We make a limited payment to the beneficiaries
for a new coverage segment or other increase if the second of the
insured people commits suicide (while sane or insane), within two
years of the effective date of a new coverage segment or within
two years of an increase in any other benefit, unless otherwise
required by law. The limited payment is equal to the cost of
insurance and periodic fees and charges which were deducted for
the increase.
|
Anti-Money
Laundering
|
In order to protect against the
possible misuse of our products in money laundering or terrorist
financing, we have adopted an anti-money laundering program
satisfying the requirements of the USA PATRIOT Act. Among other
things, this program requires us, our agents and customers to
comply with certain procedures and standards that serve to assure
that our customers' identities are properly verified and that
premiums are not derived from improper sources.
|
Under our anti-money laundering
program, we may require policy owners, insured persons and/or
beneficiaries to provide sufficient evidence of identification,
and we reserve the right to verify any information provided to us
by accessing information databases maintained internally or by
outside firms.
|
We may also limit the types of
premium payments (traveler's checks, for example) or the amount
of certain types of premium payments (money orders totaling more
than $5,000, for example) that we will accept.
|
Our anti-money laundering
program is subject to change without notice to take account of
changes applicable in laws or regulations and our ongoing
assessment of our exposure to illegal activity.
|
Transaction Processing
|
Generally, within seven days of
when we receive all information required to process a payment, we
pay:
|
- Death benefit proceeds;
- Surrender value;
- Partial withdrawals; and
- Loan proceeds.
|
Variable Survivorship - 55
|
We may delay processing these
transactions if:
|
- The New York Stock Exchange is closed for
trading;
- Trading on the New York Stock Exchange is
restricted by the SEC;
- There is an emergency so that it is not
reasonably possible to sell securities in the sub-accounts or
to determine the value of a sub-account's assets;
and
- A governmental body with jurisdiction over
the variable account allows suspension by its
order.
|
SEC rules and regulations
generally determine whether or not these conditions
exist.
|
We execute transfers among the
sub-accounts 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 death of the second of the insured people. The
death benefit proceeds are not affected by subsequent changes in
the value of the sub-accounts.
|
We may delay payment from our
fixed account for up to six months, unless 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.
|
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 changes to your policy or if you surrender
it.
|
If an insured person dies while
your policy is in force, please let us know as soon as possible.
If it is the death of the second of the insured people, we will
send you instructions on how to make a claim. As proof of an
insured person's death, we may require proof of the deceased
insured person's age and a certified copy of the death
certificate.
|
The beneficiaries and the
deceased insured person's next of kin may need to sign
authorization forms. These forms allow us to get information such
as 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 to call our customer
service center to:
|
- Make transfers;
- Change premium allocations;
- Change your dollar cost averaging and
automatic rebalancing programs;
- Request partial withdrawals; and
- Request a loan.
|
56 - Variable Survivorship
Our customer service center
uses reasonable procedures to make sure that instructions
received by telephone are genuine. These procedures may
include:
|
|
- Requiring some form of personal
identification;
- Providing written confirmation of any
transactions; and
- Tape recording telephone calls.
|
By accepting 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 from unauthorized or fraudulent
instructions. We may discontinue this privilege at any
time.
|
Telephone and facsimile
privileges may not always be available. Telephone or fax systems,
whether yours, your service provider's or your agent's, can
experience outages or slowdowns for a variety of reasons. These
outages or slowdowns may prevent or delay our receipt of your
request. Although we have taken precautions to help our systems
handle heavy use, we cannot promise complete reliability under
all circumstances. If you are experiencing problems, you should
make your transfer request by written request.
|
Non-participation
|
Your policy does not
participate in the surplus earnings of Security Life of Denver
Insurance Company.
|
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;
- Indices or rankings of investment
securities; and
- Comparisons with other investment vehicles,
including tax considerations.
|
We may use information
regarding the past performance of the sub-accounts and funds.
Past performance is not indicative of future performance of the
sub-accounts or funds and is not reflective of the actual
investment experience of policy owners.
|
We may feature certain
sub-accounts, the underlying funds 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 Options
|
You may elect to take the
surrender value in other than one lump-sum payment. Likewise, you
may elect to have the beneficiaries receive the death benefit
proceeds other than in one lump-sum payment, if you make this
election before the death of the second of the insured people. If
you have not made this election, the beneficiaries may do so
within 60 days after we receive proof of death of the second of
the insured people.
|
The investment performance of
the sub-accounts 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 at least
$2,000.
|
Variable Survivorship - 57
|
The following settlement
options are available:
|
- Option 1 - The proceeds and interest
are paid in equal installments for a specified period until the
proceeds and interest are all paid;
- Option 2 - The proceeds provide an
annuity payment with a specified number of months. The payments
are continued for the life of the primary payee. If the primary
payee dies before the certain period is over, the remaining
payments are paid to a contingent payee;
- Option 3 - The proceeds are left with
us to earn interest. Withdrawals and any changes are subject to
our approval;
- Option 4 - The proceeds and interest
are paid in equal installments of a specified amount until the
proceeds and interest are all paid; and
- Option 5 - Other options we offer at
the time we pay the benefit.
|
If none of these settlement
options have been elected, your surrender value or the death
benefit proceeds will be paid in one lump-sum payment. Unless you
request otherwise, death benefit proceeds generally will be paid
into an interest bearing account which can be accessed through
the use of a checking account provided to the beneficiaries.
Interest earned on this account may be less than interest paid on
other settlement options.
|
Reports
|
Annual Statement. We
will send you an annual statement once each policy year showing
the amount of insurance coverage under your policy as well as
your policy's death benefit, policy and surrender values, the
amount of premiums you have paid, the amounts you have withdrawn,
borrowed or transferred and the fees and charges we have imposed
since the last statement.
|
We send semi-annual reports
with financial information on the funds, including a list of
investment holdings of each fund.
|
We send confirmation notices to
you throughout the year for certain policy transactions such as
partial withdrawals and loans.
|
Illustrations. To help
you better understand how your policy values will vary over time
under different sets of assumptions, we will provide you with a
personalized illustration projecting future results based on the
ages and risk classifications of the insured people and other
factors such as the amount of insurance coverage, death benefit
option, planned premiums and rates of return (within limits) you
specify. We may assess a charge not to exceed $25 for each
illustration you request after the first in a policy year. See
Transaction Fees and Charges - Excess Illustration Fee, page
21.
|
An example of a personalized
illustration is included as Appendix C to this prospectus. This
form of illustration is available on request. There may be
state-specific product features that make the illustrations
applicable to you differ from the form of illustration shown in
Appendix C. Subject to regulatory approval, personalized
illustrations may be based upon a weighted average of fund
expenses rather than an arithmetic average.
|
Other Reports. We will
mail to you at your last known address of record at least
annually a report containing such information as may be required
by any applicable law. To reduce expenses, only one copy of most
financial reports and prospectuses, including reports and
prospectuses for the funds, will be mailed to your household,
even if you or other persons in your household have more than one
policy issued by us or an affiliate. Call our customer service
center at 1-877-886-5050 if you need additional copies of
financial reports, prospectuses, historical account information
or annual or semi-annual reports or if you would like to receive
one copy for each policy in all future mailings.
|
58 - Variable Survivorship
Legal
Proceedings
[To be updated by amendment]
|
|
The variable account is not a
party to any pending legal proceedings.
|
We are a defendant in various
lawsuits and arbitration proceedings in connection with the
normal conduct of our insurance operations. In the opinion of
management, the ultimate resolution of such
litigation/arbitration will not have a material adverse impact to
our financial position. It should be noted, however, that a
number of financial services companies have been subjected to
significant awards in connection with punitive damages claims and
we can make no assurances that we will not be subjected to such
an award. The defense of pending litigation/arbitration may
require the commitment of substantial internal resources and the
retention of legal counsel and expert advisers.
|
ING America Equities, Inc., the
principal underwriter and distributor of the policy, is not
engaged in any litigation of any material nature.
|
Financial
Statements
|
Financial statements of the
variable account and the company are contained in the Statement
of Additional Information. To request a free Statement of
Additional Information, please contact our Customer Service
Center at the address or telephone number on the back of this
prospectus.
|
Variable Survivorship - 59
Guideline Premium Test Factors
Attained Age
|
Factor
|
Attained Age
|
Factor
|
Attained Age
|
Factor
|
Attained Age
|
Factor
|
Attained Age
|
Factor
|
0-40
|
2.50
|
48
|
1.97
|
56
|
1.46
|
64
|
1.22
|
72
|
1.11
|
41
|
2.43
|
49
|
1.91
|
57
|
1.42
|
65
|
1.20
|
73
|
1.09
|
42
|
2.36
|
50
|
1.85
|
58
|
1.38
|
66
|
1.19
|
74
|
1.07
|
43
|
2.29
|
51
|
1.78
|
59
|
1.34
|
67
|
1.18
|
75 - 90
|
1.05
|
44
|
2.22
|
52
|
1.71
|
60
|
1.30
|
68
|
1.17
|
91
|
1.04
|
45
|
2.15
|
53
|
1.64
|
61
|
1.28
|
69
|
1.16
|
92
|
1.03
|
46
|
2.09
|
54
|
1.57
|
62
|
1.26
|
70
|
1.15
|
93
|
1.02
|
47
|
2.03
|
55
|
1.50
|
63
|
1.24
|
71
|
1.13
|
94
|
1.01
|
|
|
|
|
|
|
|
|
95 +
|
1.00
|
Guideline Premium Test Factors - Enhanced
Attained Age
|
Factor
|
Attained Age
|
Factor
|
Attained Age
|
Factor
|
Attained Age
|
Factor
|
Attained Age
|
Factor
|
0-40
|
2.50
|
51
|
1.78
|
62
|
1.26
|
73
|
1.12
|
84
|
1.11
|
41
|
2.43
|
52
|
1.71
|
63
|
1.24
|
74
|
1.11
|
85
|
1.10
|
42
|
2.36
|
53
|
1.64
|
64
|
1.22
|
75
|
1.10
|
86
|
1.09
|
43
|
2.29
|
54
|
1.57
|
65
|
1.20
|
76
|
1.11
|
87
|
1.08
|
44
|
2.22
|
55
|
1.50
|
66
|
1.19
|
77
|
1.12
|
88
|
1.07
|
45
|
2.15
|
56
|
1.46
|
67
|
1.18
|
78
|
1.13
|
89
|
1.06
|
46
|
2.09
|
57
|
1.42
|
68
|
1.17
|
79
|
1.14
|
90
|
1.05
|
47
|
2.03
|
58
|
1.38
|
69
|
1.16
|
80
|
1.16
|
91
|
1.04
|
48
|
1.97
|
59
|
1.34
|
70
|
1.15
|
81
|
1.14
|
92
|
1.03
|
49
|
1.91
|
60
|
1.30
|
71
|
1.14
|
82
|
1.13
|
93
|
1.02
|
50
|
1.85
|
61
|
1.28
|
72
|
1.13
|
83
|
1.12
|
94
|
1.01
|
|
|
|
|
|
|
|
|
95 +
|
1.00
|
A-1
APPENDIX B
[To be updated by
amendment.]
Funds Available Through the Variable Account
Fund Name
|
Investment Adviser/Subadviser
|
Investment Objective
|
Total Annual Fund Expenses
|
AIM V.I. Capital Appreciation Fund - Series
I
|
Investment Adviser:
AIM Advisors, Inc.
|
Seeks growth of capital.
|
Gross:
Net:
|
AIM V.I. Government Securities Fund -
Series I
|
Investment Adviser:
AIM Advisors, Inc.
|
Seeks to achieve a high level of current income
consistent with reasonable concern for safety of
principal.
|
Gross:
Net:
|
Alger American Growth
Portfolio
|
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.
|
Gross:
Net:
|
Alger American Leveraged AllCap
Portfolio
|
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.
|
Gross:
Net:
|
Alger American MidCap Growth
Portfolio
|
Investment Adviser:
Fred Alger Management, Inc.
|
Seeks long-term capital appreciation by
focusing on midsize companies with promising growth
potential.
|
Gross:
Net:
|
Alger American Small Capitalization
Portfolio
|
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.
|
Gross:
Net:
|
American Funds Insurance Series - Growth
Fund - Class I
|
|
|
Gross:
Net:
|
American Funds Insurance Series - Growth -
Income Fund - Class I
|
|
|
Gross:
Net:
|
American Funds Insurance Series -
International Fund - Class I
|
|
|
Gross:
Net:
|
B-1
FidelityÒ
VIP Asset Manager SM Portfolio
|
Investment Adviser:
Fidelity Management & Research Company
|
Seeks to obtain high total return with reduced
risk over the long term by allocating its assets among stocks,
bonds and short-term instruments.
|
Gross:
Net:
|
FidelityÒ
VIP Growth Portfolio
|
Investment Adviser:
Fidelity Management & Research Company
|
Seeks to achieve capital
appreciation.
|
Gross:
Net:
|
FidelityÒ
VIP Index 500 Portfolio
|
Investment Adviser:
Fidelity Management & Research Company
Sub-Adviser:
Deutsche Asset Management, Inc.
|
Seeks investment results that correspond to the
total return of common stocks publicly traded in the United
States, as represented by the Standard & Poor's 500 Index
(S&P 500).
|
Gross:
Net:
|
FidelityÒ
VIP Money Market Portfolio
|
Investment Adviser:
Fidelity Management & Research Company
|
Seeks as high a level of current income as is
consistent with preservation of capital and liquidity.
|
Gross:
Net:
|
FidelityÒ
VIP Overseas Portfolio
|
Investment Adviser:
Fidelity Management & Research Company
|
Seeks long-term growth of capital.
|
Gross:
Net:
|
ING Hard Assets Portfolio - Institutional
Class *
|
Investment Adviser:
ING Services, Inc.
Subadviser:
Baring International Investment Limited (an
affiliate)
|
Seeks long-term capital
appreciation.
|
Gross:
Net:
|
ING Marsico Growth Portfolio - Institutional
Class *
|
Investment Adviser:
ING Services, Inc.
Subadviser:
Janus Capital
|
Seeks capital appreciation.
|
Gross:
Net:
|
ING MFS Mid Cap Growth Portfolio -
Institutional Class *
|
Investment Adviser:
ING Services, Inc.
Subadviser:
Massachusetts Financial Services Company
|
Seeks long-term growth of capital.
|
Gross:
Net:
|
ING MFS Total Return Portfolio -
Institutional Class *
|
Investment Adviser:
ING Services, Inc.
Subadviser:
Massachusetts Financial Services Company
|
Seeks above-average income (compared to a
portfolio entirely invested in equity securities) consistent with
the prudent employment of capital.
|
Gross:
Net:
|
ING Salomon Brothers Investors
Portfolio
|
|
|
Gross:
Net:
|
ING T. Rowe Price Capital Appreciation
Portfolio - Institutional Class *
|
Investment Adviser:
ING Services, Inc.
Subadviser:
T. Rowe Price Associates, Inc.
|
Seeks, over the long-term, a high total
investment return, consistent with the preservation of capital
and prudent investment risk.
|
Gross:
Net:
|
B-2
ING T. Rowe Price Equity Income Portfolio -
Institutional Class *
|
Investment Adviser:
ING Services, Inc.
Subadviser:
T. Rowe Price Associates, Inc.
|
Seeks substantial dividend income as well as
long-term growth of capital.
|
Gross:
Net:
|
ING UBS Tactical Asset Allocation
Portfolio
|
Investment Adviser:
ING Life Insurance and Annuity Company
Subadviser:
UBS Global Asset Management (US) Inc.
|
Seeks total return, consisting of long-term
capital appreciation and current income.
|
Gross:
Net:
|
ING Van Kampen Comstock Portfolio - Initial
Class
|
Investment Adviser:
ING Life Insurance and Annuity Company
Subadviser:
Morgan Stanley Investment Management Inc. d/b/a Van
Kampen
|
Seeks capital growth and income.
|
Gross:
Net:
|
ING Van Kampen Real Estate
Portfolio
|
|
|
Gross:
Net:
|
ING JP Morgan Mid Cap Value
Portfolio
|
|
|
Gross:
Net:
|
ING PIMCO Total Return
Portfolio
|
|
|
Gross:
Net:
|
ING Salomon Brothers Aggressive Growth
Portfolio
|
|
|
Gross:
Net:
|
ING VP Bond Portfolio - Class R
Shares
|
Investment Adviser:
ING Investments, LLC
Subadviser:
Aeltus Investment Management, Inc. (Aeltus)
|
Seeks to maximize total return as is consistent
with reasonable risk, through investment in a diversified
portfolio consisting of debt securities.
|
Gross:
Net:
|
ING VP Index Plus LargeCap Portfolio - Class
R Shares
|
Investment Adviser:
ING Investments, LLC
Subadviser:
Aeltus Investment Management, Inc. (Aeltus)
|
Seeks to outperform the total return
performance of the Standard & Poor's 500 Composite Index
(S&P 500), while maintaining a market level of
risk.
|
Gross:
Net:
|
ING VP Index Plus MidCap Portfolio - Class R
Shares
|
Investment Adviser:
ING Investments, LLC
Subadviser:
Aeltus Investment Management, Inc. (Aeltus)
|
Seeks to outperform the total return
performance of the Standard & Poor's MidCap 400 Index
(S&P 400), while maintaining a market level of
risk.
|
Gross:
Net:
|
ING VP Index Plus SmallCap Portfolio - Class
R Shares
|
Investment Adviser:
ING Investments, LLC
Subadviser:
Aeltus Investment Management, Inc. (Aeltus)
|
Seeks to outperform the total return
performance of the Standard and Poor's SmallCap 600 Index
(S&P 600), while maintaining a market level of
risk.
|
Gross:
Net:
|
B-3
ING VP Growth Opportunities Portfolio -
Class R Shares
|
Investment Adviser:
ING Investments, LLC
|
Seeks long-term growth of capital.
|
Gross:
Net:
|
ING VP MagnaCap Portfolio - Class R
Shares
|
Investment Adviser:
ING Investments, LLC
|
Seeks growth of capital, with dividend income
as a secondary consideration.
|
Gross:
Net:
|
ING VP MidCap Opportunities Portfolio -
Class R Shares
|
Investment Adviser:
ING Investments, LLC
|
Seeks long-term capital
appreciation.
|
Gross:
Net:
|
ING VP SmallCap Opportunities Portfolio -
Class R Shares
|
Investment Adviser:
ING Investments, LLC
|
Seeks long-term capital
appreciation.
|
Gross:
Net:
|
INVESCO VIF-Core Equity Fund
|
Investment Adviser:
INVESCO Funds Group, Inc.
|
Seeks to provide a high total return through
both growth and current income by normally investing at least 80%
of its assets in common and preferred stock.
|
Gross:
Net:
|
INVESCO VIF-Health Sciences
Fund
|
Investment Adviser:
INVESCO Funds Group, Inc.
|
Seeks capital growth by normally investing at
least 80% of its assets in the equity securities and
equity-related instruments of companies that develop, produce, or
distribute products or services related to health
care.
|
Gross:
Net:
|
INVESCO VIF-High Yield Fund
|
Investment Adviser:
INVESCO Funds Group, Inc.
|
Seeks to provide a high level of current income
by investing primarily in bonds and other debt
securities.
|
Gross:
Net:
|
INVESCO VIF-Small Company Growth
Fund
|
Investment Adviser:
INVESCO Funds Group, Inc.
|
Seeks long-term capital growth by normally
investing at least 80% of its assets in small-capitalization
companies.
|
Gross:
Net:
|
INVESCO VIF-Total Return Fund
|
Investment Adviser:
INVESCO Funds Group, Inc.
|
Seeks to provide high total return through both
growth and current income by normally investing at least 65% of
its assets in a combination of common stocks of companies with a
history of paying regular dividends and in debt
securities.
|
Gross:
Net:
|
INVESCO VIF-Utilities Fund
|
Investment Adviser:
INVESCO Funds Group, Inc.
|
Seeks capital growth.
|
Gross:
Net:
|
B-4
Janus Aspen Series Aggressive Growth
Portfolio - Service Shares
|
Investment Adviser:
Janus Capital
|
A nondiversified Portfolio that seeks
long-term growth of capital.
|
Gross:
Net:
|
Janus Aspen Series Growth Portfolio -
Service Shares
|
Investment Adviser:
Janus Capital
|
Seeks long-term growth of capital in a manner
consistent with the preservation of capital.
|
Gross:
Net:
|
Janus Aspen Series International Growth
Portfolio - Service Shares
|
Investment Adviser:
Janus Capital
|
Seeks long-term growth of capital.
|
Gross:
Net:
|
Janus Aspen Series Worldwide Growth
Portfolio - Service Shares
|
Investment Adviser:
Janus Capital
|
Seeks long-term growth of capital in a manner
consistent with the preservation of capital.
|
Gross:
Net:
|
Neuberger Berman AMT Growth
Portfolio
|
Investment Adviser:
Neuberger Berman Management Inc.
Subadviser:
Neuberger Berman, LLC
|
Seeks growth of capital by investing mainly in
common stock mid-capitalization companies.
|
Gross:
Net:
|
Neuberger Berman AMT Limited Maturity Bond
Portfolio
|
Investment Adviser:
Neuberger Berman Management Inc.
Subadviser:
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.
|
Gross:
Net:
|
Neuberger Berman AMT Partners
Portfolio
|
Investment Adviser:
Neuberger Berman Management Inc.
Subadviser:
Neuberger Berman, LLC
|
Seeks growth of capital by investing mainly in
common stock of mid- to large-capitalization
companies.
|
Gross:
Net:
|
Pioneer Mid Cap Value VCT Portfolio - Class
I Shares
|
Investment Adviser:
Pioneer Investment Management, Inc.
|
Seeks capital appreciation by investing in a
diversified portfolio of securities consisting primarily of
common stocks.
|
Gross:
Net:
|
Pioneer Small Cap Value VCT Portfolio -
Class I Shares
|
Investment Adviser:
Pioneer Investment Management, Inc.
|
Seeks capital growth by investing in a
diversified portfolio of securities consisting primarily of
common stocks.
|
Gross:
Net:
|
Putnam VT Growth and Income Fund - Class IB
Shares
|
Investment Adviser:
Putnam Investment Management, LLC
|
Seeks capital growth and current
income.
|
Gross:
Net:
|
Putnam VT New Opportunities Fund - Class IB
Shares
|
Investment Adviser:
Putnam Investment Management, LLC
|
Seeks long-term capital
appreciation.
|
Gross:
Net:
|
B-5
Putnam VT Small Cap Value Fund - Class IB
Shares
|
Investment Adviser:
Putnam Investment Management, LLC
|
Seeks capital appreciation.
|
Gross:
Net:
|
Putnam VT Voyager Fund - Class IB
Shares
|
Investment Adviser:
Putnam Investment Management, LLC
|
Seeks capital appreciation.
|
Gross:
Net:
|
Van Eck Worldwide Bond Fund
|
Investment Adviser:
Van Eck Associates Corporation
|
Seeks high total return-income plus capital
appreciation-by investing globally, primarily in a variety of
debt securities.
|
Gross:
Net:
|
Van Eck Worldwide Emerging Markets
Fund
|
Investment Adviser:
Van Eck Associates Corporation
|
Seeks long-term capital appreciation by
investing in equity securities in emerging markets around the
world.
|
Gross:
Net:
|
Van Eck Worldwide Hard Assets
Fund
|
Investment Adviser:
Van Eck Associates Corporation
|
Seeks long-term capital appreciation by
investing primarily in "hard asset securities."
|
Gross:
Net:
|
Van Eck Worldwide Real Estate
Fund
|
Investment Adviser:
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.
|
Gross:
Net:
|
* Prior to May 1, 2003 the Service Class of shares
of this fund were available through the policy. Effective May 1, 2003
the Institutional Class of fund shares replaced the Service Class of
fund shares. Institutional Class shares have 0.25% lower total fund
expenses than the Service Class shares, and the effect of this
transaction is to give policy owners an investment in the same fund
managed by the same investment adviser at a lower cost.
B-6
APPENDIX
C
|
Example Personalized
Illustration
[To be added by amendment.]
|
C-1
MORE INFORMATION IS
AVAILABLE
If you would like more information
about us, the variable account or the policy, the following documents
are available free upon request:
- Statement of Additional Information
("SAI") - The SAI contains more specific information about the
variable account and the policy, as well as the financial
statements of the variable account and the company. The SAI is
incorporated by reference into (made legally part of) this
prospectus. The following is the Table of Contents for the
SAI:
|
Page
|
General Information and History
|
2
|
Distribution of the Policies
|
2
|
Performance Reporting and
Advertising
|
3
|
Experts
|
4
|
Financial Statements
|
5
|
Financial Statements of the Security Life
Separate Account L1
|
S-1
|
Financial Statements of the Security Life of
Denver Insurance Company
|
F-1
|
- A personalized illustration of policy
benefits - A personalized illustration can help you understand
how the policy works, given the policy's fees and charges along
with the investment options, features and benefits and optional
benefits you select. A personalized illustration can also help you
compare the policy's death benefits, policy value and surrender
value with other life insurance policies based on the same or
similar assumptions. We reserve the right to assess a fee of up to
$25 for each personalized illustration you request after the first
each policy year. See Transaction Fees and Charges - Excess
Illustration Fee, page 21.
To request a free SAI or personalized illustration
of policy benefits or to make other inquiries about the policy, please
contact us at our:
Customer Service Center
|
P.O. Box 173888
|
Denver, CO 80217-3888
|
1-877-253-5050
|
Additional information about us, the variable account or the policy
(including the SAI) can be reviewed and copied from the SEC's Internet
website (www.sec.gov) or at the SEC's Public Reference Room in
Washington, DC. Copies of this additional information may also be
obtained, upon payment of a duplicating fee, by writing the SEC's
Public Reference Room at 450 Fifth Street, NW, Washington, DC
20549-0102. More information about operation of the SEC's Public
Reference Room can be obtained by calling 202-942-8090.
1940 Act File No. 811-08292
1933 Act file No. 333-72753
PART B
|
INFORMATION REQUIRED IN A STATEMENT OF
ADDITIONAL INFORMATION
|
SECURITY LIFE SEPARATE
ACCOUNT L1
OF
SECURITY LIFE OF DENVER INSURANCE COMPANY
|
Statement of Additional Information dated
May 1, 2003
|
VARIABLE SURVIVORSHIP
Variable Universal Life Insurance Policy
|
This Statement of Additional Information is not
a prospectus and should be read in conjunction with the current
Variable Survivorship prospectus dated May 1, 2003. The policy
offered in connection with the prospectus is a flexible premium
variable universal life insurance policy funded through the
Security Life Separate Account L1.
|
A free prospectus is available upon request by
contacting the Security Life of Denver Insurance Company Customer
Service P.O. Box 173888 Denver, CO 80217-3888 by calling
1-877-253-5050 or by accessing the SEC's web site at
www.sec.gov.
|
Read the prospectus before you invest. Unless
otherwise indicated, terms used in this Statement of Additional
Information shall have the same meaning as in the
prospectus.
|
TABLE OF CONTENTS
|
|
Page
|
General Information and History
|
2
|
Distribution of the Policies
|
2
|
Performance Reporting and
Advertising
|
3
|
Experts
|
4
|
Financial Statements
|
5
|
Financial Statements of the Security Life
Separate Account L1
|
S-1
|
Security Life of Denver Insurance
Company
|
F-1
|
GENERAL INFORMATION AND HISTORY
|
Security Life of Denver Insurance Company (the
"company," "we," "us," "our") issues the policy described in the
prospectus and is responsible for providing each policy's
insurance benefits. We are a stock life insurance company
organized in 1929 and incorporated under the laws of the State of
Colorado and an indirect, wholly-owned subsidiary of ING Groep
N.V. ("ING"), a global financial institution active in the fields
of insurance, banking and asset management. ING is headquartered
in Amsterdam, The Netherlands. We are engaged in the business of
issuing insurance policies. Our headquarters is at 1290 Broadway,
Denver, Colorado 80203-5699.
|
We established the Security Life Separate
Account L1 (the "variable account") on November 3, 1993, as one
of our separate accounts under the laws of the State of Colorado
for the purpose of funding variable life insurance policies
issued by us. The variable account is registered with the
Securities and Exchange Commission ("SEC") as a unit investment
trust under the Investment Company Act of 1940, as amended.
Premium payments may be allocated to one or more of the available
sub-accounts of the variable account. Each sub-account invests in
shares of a corresponding fund at net asset value. We may make
additions to, deletions from or substitutions of available funds
as permitted by law and subject to the conditions of the
policy.
|
Other than the policy owner fees and charges
described in the prospectus, all expenses incurred in the
operations of the variable account are borne by the company. We
do, however, receive compensation for certain recordkeeping,
administration or other services from the funds or affiliates of
the funds available through the policies. See "Fees and Charges"
in the prospectus.
|
The company maintains custody of the assets of
the variable account. As custodian, the company holds cash
balances for the variable account pending investment in the funds
or distribution. The funds in whose shares the assets of the
sub-accounts of the variable account are invested each have
custodians, as discussed in the respective fund
prospectuses.
|
DISTRIBUTION OF THE POLICIES
|
The company's affiliate, ING America Equities,
Inc., serves as the principal underwriter (distributor) for the
policies. ING America Equities, Inc. was organized under the laws
of the State of Colorado on September 27, 1993 and is registered
as a broker/dealer with the SEC and the National Association of
Securities Dealers, Inc. We pay ING America Equities, Inc. under
a distribution agreement dated May 1, 2002. ING America Equities,
Inc.'s principal office is located at 1290 Broadway, Denver,
Colorado 80203-5699.
|
ING America Equities, Inc. offers the
securities under the policies on a continuous basis.
|
For the years ended December 31, 2002, 2001 and
2000, the aggregate amount paid to ING America Equities under our
distribution agreement was $XX,XXX,XXX, $XX,XXX,XXX and
$XX,XXX,XXX, respectively.
|
We sell our policies through licensed insurance
agents who are registered representatives of affiliated and
unaffiliated broker/dealers. A description of the manner in which
the policies are purchased may be found in the prospectus under
the section entitled "Purchasing a Policy."
|
2
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 in turn pay commissions to their agents/registered
representatives who sell this policy. We may make loans to
agents/registered representatives, or advance commissions in
anticipation of future receipt of premiums (a form of lending to
agents/registered representatives). These loans may have
advantageous terms, such as interest rate reduction and/or
principal forgiveness, that may be conditioned on insurance
sales.
|
The distribution allowance is up to 90% of the
first target premium we receive. For premium we receive over your
first target premium, the distribution allowance is paid at a
significantly lower rate in all later years.
|
Broker/dealers receive renewal commissions
(trails) of up to 0.20% of the average net policy value in policy
years five through twenty.
|
We pay wholesaler fees and marketing and
training allowances. We may provide repayments or make sponsor
payments for broker/dealers to use in sales contests for their
registered representatives. We do not hold contests directly
based on sales of this product. We do hold training programs from
time to time at our own expense. We pay dealer concessions,
wholesaling fees, other allowances and the costs of all other
incentives or training programs from our resources which include
sales charges.
|
PERFORMANCE REPORTING AND ADVERTISING
|
Information regarding the past, or historical
performance of the sub-accounts of the variable account and the
funds available for investment through the sub-accounts of the
variable account may appear in advertisements, sales literature
or reports to policy owners or prospective purchasers. Such
performance information for the sub-accounts will reflect
deductions of fund expenses but will not reflect deductions for
the fees and charges of the policy or any charges for optional
insurance benefits. If the deduction of the policy fees and
charges were reflected in the calculations, they would
significantly decrease the level of performance shown. We may
accompany quotations of performance information for the
sub-accounts with performance information for the corresponding
funds. Performance information for the funds will take into
account all fees and charges applicable at the underlying fund
level, but will not reflect any deductions from the corresponding
sub-account of the variable account of any policy fees and
charges or any charges for optional insurance
benefits.
|
3
Performance information reflects only the
performance of a hypothetical investment during a particular time
period in which the calculations are based. We may provide
performance information showing total returns and average annual
total returns for periods prior to the date a sub-account
commenced operation. We will calculate such performance
information based on the assumption that the sub-accounts were in
existence for the same periods as those indicated for the funds,
with the level of charges at the variable account level that were
in effect at the inception of the sub-accounts.
|
Investment results of the funds will fluctuate
over time and any presentation of past performance should not be
considered as a representation of what may be achieved in the
future.
|
To help you better understand how your policy's
death benefits, policy value and surrender value will vary over
time under different sets of assumptions, we encourage you to
obtain a personalized illustration. Personalized illustrations
will assume deductions for fund expenses and policy and variable
account charges. We will base these illustrations on the age and
risk classification of the insured person and other factors such
as the amount of insurance coverage, death benefit option,
premiums and rates of return (within limits) you specify. These
personalized illustrations will be based on either a hypothetical
investment return of the funds of 0% and other percentages not to
exceed 12% or on the actual historical experience of the funds as
if the sub-accounts had been in existence and a policy issued for
the same periods as those indicated for the funds. Subject to
regulatory approval, personalized illustrations may be based upon
a weighted average of fund expenses rather than an arithmetic
average. A personalized illustration is available upon request by
contacting our Customer Service Center at P.O. Box 173888 Denver,
CO 80217-3888 or by calling 1-877-253-5050.
|
We may compare performance of the sub-accounts
and/or the funds as reported from time to time in advertisements
and sales literature to other variable life insurance issuers in
general; to the performance of particular types of variable life
insurance policies investing in mutual funds; or to investment
series of mutual funds with investment objectives similar to each
of the sub-accounts, whose performance is reported by Lipper
Analytical Services, Inc. ("Lipper") and Morningstar, Inc.
("Morningstar") or reported by other series, companies,
individuals or other industry or financial publications of
general interest, such as Forbes, Money, The
Wall Street Journal, Business Week, Barron's,
Kiplinger's and Fortune. Lipper and Morningstar are
independent services which monitor and rank the performances of
variable life insurance issuers in each of the major categories
of investment objectives on an industry-wide basis.
|
Lipper's and Morningstar's rankings include
variable annuity issuers as well as variable life insurance
issuers. The performance analysis prepared by Lipper and
Morningstar ranks such issuers on the basis of total return,
assuming reinvestment of distributions, but does not take sales
charges, redemption fees or certain expense deductions at the
separate account level into consideration. We may also compare
the performance of each sub-account in advertising and sales
literature to the Standard & Poor's Index of 500 common
stocks and the Dow Jones Industrials, which are widely used
measures of stock market performance. We may also compare the
performance of each sub-account to other widely recognized
indices. Unmanaged indices may assume the reinvestment of
dividends, but typically do not reflect any "deduction" for the
expense of operating or managing an investment
portfolio.
|
EXPERTS
|
[To be updated by
amendment.]
|
The statements of assets and liabilities of
Security Life Separate Account L1 as of December 31, 2002, and
the related statements of operations and changes in net assets
for each of the three years in the period then ended and the
financial statements of Security Life of Denver Insurance Company
at December 31, 2002 and 2001, and for each of the two years in
the period then ended, appearing in this Statement of Additional
Information, 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.
|
4
FINANCIAL STATEMENTS
|
[To be updated by
amendment.]
|
The financial statements of the variable
account reflect the operations of the variable account as of
December 31, 2002 and for each of the three years in the period
then ended and are audited. The periods covered are not
necessarily indicative of the longer term performance of the
assets held in the variable account.
|
The financial statements of the company as of
December 31, 2002 and 2001 and for the years then ended are
audited. The financial statements of the company should be
distinguished from the financial statements of the variable
account and should be considered only as bearing upon the ability
of the company to meet its obligations under the policies. They
should not be considered as bearing on the investment performance
of the assets held in the variable account. The periods covered
are not necessarily indicative of the longer term performance of
the company.
|
The financial statements of the company as of
December 31, 2002, and for the year then ended December 31, 2002,
have been prepared on the basis of generally accepted accounting
principals. The financial statements of the company as of
December 31, 2001, and for the year then ended December 31, 2001,
have been prepared on the basis of statutory accounting
principals.
|
|
[Financial statements to be
filed by amendment.]
|
5
FINANCIAL STATEMENTS
|
For the Years Ended December 31, 2002, 2001
and 2000
|
Security Life Separate Account L1
|
of
|
Security Life of Denver Insurance Company
|
|
INDEX
|
|
Page
|
Statements of Assets and Liabilities
|
S-
|
Statements of Operations
|
S-
|
Statements of Changes in Net Assets
|
S-
|
Notes to Financial Statements
|
S-
|
Independent Auditor's Report
|
S-
|
|
|
[To be filed by
amendment.]
|
S-1
FINANCIAL STATEMENTS
|
For the Years Ended December 31, 2002 and
2001
|
Security Life of Denver Insurance Company
|
INDEX
|
|
Page
|
Report of Independent Auditors
|
F-
|
Balance Sheets -- Statutory Basis
|
F-
|
Statements of Operations -- Statutory
Basis
|
F-
|
Statements of Changes in Capital and Surplus --
Statutory Basis
|
F-
|
Statements of Cash Flows -- Statutory
Basis
|
F-
|
Notes to Financial Statements -- Statutory
Basis
|
F-
|
|
|
[To be filed by
amendment.]
|
F-1
Part C
|
OTHER
INFORMATION
|
|
Item 27
|
Exhibits
|
|
(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. (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 on April 27, 1998; File No.
33-74190.)
|
(b)
|
Not Applicable.
|
(c)
|
(1)
|
Security Life of Denver Distribution Agreement.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(2)
|
Amendment to Security Life of Denver Insurance
Company Distribution Agreement. (Incorporated herein by reference
to 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 on May 10, 1999; File
No. 333-72753.)
|
|
(3)
|
Amendment to Security Life of Denver Insurance
Company Distribution Agreement. (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 on April
23, 1999; File No. 33-74190.)
|
|
(4)
|
Amendment to Security Life of Denver Insurance
Company Distribution Agreement. (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 on January 30, 2001;
File No. 333-50278.)
|
|
(5)
|
Amendment to Security Life of Denver Insurance
Company Distribution Agreement. (Incorporated herein by reference
to the Post-Effective Amendment No. 14 to the Form S-6
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on April
19, 2001; File No. 33-74190.)
|
|
(6)
|
Amendment to Security Life of Denver Insurance
Company Distribution Agreement. (Incorporated herein by reference
to the Post-Effective Amendment No. 15 to the Form S-6
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on April
9, 2002; File No. 33-74190.)
|
|
(7)
|
First Amendment to Security Life of Denver
Insurance Company Distribution Agreement. (Incorporated herein by
reference to the Post-Effective Amendment No. 15 to the Form S-6
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on April
9, 2002; File No. 33-74190.)
|
|
(8)
|
Specimen Broker/Dealer Supervisory and Selling
Agreement for Variable Contracts with Compensation Schedule.
(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 on March 2, 1998; File No. 33-74190.)
|
|
(9)
|
Specimen Master Sales and Supervisory Agreement
with Compensation Schedule. (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 on April 25, 2000; File
No. 33-74190.)
|
(d)
|
(1)
|
Specimen Variable Survivorship Universal Life
Insurance Policy (Form No. 2504 (JTVUL)-8/99). (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 on April
25, 2001; File No. 333-72753.)
|
|
(2)
|
Adjustable Term Insurance Rider (Form No.
R2003-8/99). (Incorporated herein by reference to Initial
Registration to the Form S-6 Registration Statement of Security
Life of Denver Insurance Company and its Security Life Separate
Account L1, filed on February 22, 1999; File No.
333-72753.)
|
|
(3)
|
Adjustable Term Insurance Rider (Form No.
R2007-5/00). (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 on February 29, 2000;
File No. 333-72753.)
|
|
(4)
|
Aviation Exclusion Rider (Form No. S-9622).
(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 on April 29, 1999; File No. 33-74190.)
|
|
(5)
|
Single Life Term Insurance Rider (Insured #1)
(Form No. R2004-8/99). (Incorporated herein by reference to
Initial Registration to the Form S-6 Registration Statement of
Security Life of Denver Insurance Company and its Security Life
Separate Account L1, filed on February 22, 1999; File No.
333-72753.)
|
|
(6)
|
Single Life Term Insurance Rider (Insured #2)
(Form No. R2005-8/99). (Incorporated herein by reference to
Initial Registration to the Form S-6 Registration Statement of
Security Life of Denver Insurance Company and its Security Life
Separate Account L1, filed on February 22, 1999; File No.
333-72753.)
|
|
(7)
|
Accelerated Death Benefit Rider. (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 on January 30, 2001; File No. 333-50278.)
|
(e)
|
(1)
|
Specimen Variable Survivorship Life Insurance
Application with Binding Limited Life Insurance Coverage Form
(Form No. Q-2006-9/97). (Incorporated herein by reference to the
Form S-6 Initial Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on February 22, 1999; File No. 333-72753.)
|
|
(2)
|
Investment Feature Selection Form (Form No.
V-153-00 rev. 5/1/02). (Incorporated herein by reference to the
Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(3)
|
Investment Feature Selection Form (Form No.
V-174-01 rev. 5/1/02). (Incorporated herein by reference to the
Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(4)
|
Specimen Application for Life Insurance Fixed
and Variable Products (Form No. 110945). (Incorporated herein by
reference to the Post-Effective Amendment No. 15 to the Form S-6
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on April
9, 2002; File No. 33-74190.)
|
(f)
|
(1)
|
Security Life of Denver’s Restated
Articles of Incorporation. (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 on April 27, 1998; File
No. 33-74190.)
|
|
(2)
|
Amendments to Articles of Incorporation through
June 12, 1987. (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 on April 27, 1998; File
No. 33-74190.)
|
|
(3)
|
Amendments to Articles of Incorporation through
November 12, 2001. (Incorporated herein by reference to the
Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
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|
(4)
|
Security Life of Denver's By-Laws.
(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 on April 27, 1998; File No. 33-74190.)
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|
(5)
|
Bylaws of Security Life of Denver Insurance
Company (Restated with Amendments through September 30, 1997).
(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 on October 29, 1997; File No. 33-74190.)
|
(g)
|
Not Applicable.
|
(h)
|
(1)
|
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. (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 on March
2, 1998; File No. 33-74190.)
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|
(2)
|
Sales Agreement by and among The Alger American
Fund, Fred Alger Management, Inc., and Security Life of Denver
Insurance Company. (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 on April 27, 1998; File
No. 33-74190.)
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|
(3)
|
Sales Agreement by and among Neuberger &
Berman Advisers Management Trust, Neuberger & Berman
Management Incorporated, and Security Life of Denver Insurance
Company. (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 on April 27, 1998; File No.
33-74190.)
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|
(4)
|
Participation Agreement among Variable
Insurance Products Fund, Fidelity Distributors Corporation and
Security Life of Denver Insurance Company. (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 on April
27, 1998; File No. 33-74190.)
|
|
(5)
|
Participation Agreement among Variable
Insurance Products Fund II, Fidelity Distributors Corporation and
Security Life of Denver Insurance Company. (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 on April
27, 1998; File No. 33-74190.)
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|
(6)
|
Participation Agreement among INVESCO Variable
Investment Funds, Inc., INVESCO Funds Group, Inc., and Security
Life of Denver Insurance Company. (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 on April
27, 1998; File No. 33-74190.)
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|
(7)
|
Participation Agreement between Van Eck
Investment Trust and the Trust’s investment adviser, Van
Eck Associates Corporation, and Security Life of Denver Insurance
Company. (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 on April 27, 1998; File No.
33-74190.)
|
|
(8)
|
Participation Agreement among Security Life of
Denver Insurance Company, The GCG Trust and Directed Services,
Inc. (Incorporated herein by reference to the Post-Effective
Amendment No. 15 to the Form S-6 Registration Statement of
Security Life of Denver Insurance Company and its Security Life
Separate Account L1, filed on April 9, 2002; File No.
33-74190.)
|
|
(9)
|
Participation Agreement among M Fund, Inc., M
Financial Advisers, Inc. and Security Life of Denver Insurance
Company. (Incorporated herein by reference to the Post-Effective
Amendment No. 14 to the Form S-6 Registration Statement of
Security Life of Denver Insurance Company and its Security Life
Separate Account L1, filed on April 19, 2001; File No.
33-74190.)
|
|
(10)
|
Participation Agreement among Security Life of
Denver Insurance Company, Pilgrim Variable Products Trust and ING
Pilgrim Investments, LLC. (Incorporated herein by reference to
the Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
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|
(11)
|
Participation Agreement among Security Life of
Denver Insurance Company and Southland Life Insurance Company,
Putnam Variable Trust and Putnam Retail Management, Inc.
(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 on April 19, 2001; File No. 333-50278.)
|
|
(12)
|
Participation Agreement among Security Life of
Denver Insurance Company, ING Partners, Inc., ING Life Insurance
and Annuity Company, and ING Financial Advisers, LLC.
(Incorporated herein by reference to the Post-Effective Amendment
No. 3 to the Form N-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on February 7, 2003; File No. 333-50278.)
|
|
(13)
|
Participation Agreement among Security Life of
Denver Insurance Company, ING Variable Portfolios, Inc. and ING
Funds Distributor, Inc. (Incorporated herein by reference to the
Post-Effective Amendment No. 3 to the Form N-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on February 7, 2003;
File No. 333-50278.)
|
|
(14)
|
Participation Agreement among Security Life of
Denver Insurance Company, Pioneer Variable Contracts Trust,
Pioneer Investment Management, Inc. and Pioneer Funds
Distributor, Inc. (Incorporated herein by reference to the
Post-Effective Amendment No. 3 to the Form N-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on February 7, 2003;
File No. 333-50278.)
|
|
(15)
|
Participation Agreement among Security Life of
Denver Insurance Company, ING VP Bond Portfolio and ING Funds
Distributor, Inc. (Incorporated herein by reference to the
Post-Effective Amendment No. 3 to the Form N-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on February 7, 2003;
File No. 333-50278.)
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|
(16)
|
First Amendment to Fund Participation Agreement
between Security Life of Denver, Van Eck Investment Trust and Van
Eck Associates Corporation. (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 on March 2, 1998; File
No. 33-74190.)
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|
(17)
|
Second Amendment to Fund Participation
Agreement between Security Life of Denver, Van Eck Worldwide
Insurance Trust and Van Eck Associates Corporation. (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 on March
2, 1998; File No. 33-74190.)
|
|
(18)
|
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. (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 on March 2, 1998; File
No. 33-74190.)
|
|
(19)
|
First Amendment to Participation Agreement by
and among The Alger American Fund, Fred Alger Management, Inc.,
Security Life of Denver Insurance Company. (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 on April
27, 1998; File No. 33-74190.)
|
|
(20)
|
First Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(21)
|
Second Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(22)
|
First Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(23)
|
Second Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(24)
|
First Amendment to Participation Agreement
among Security Life of Denver Insurance Company, INVESCO Variable
Investment Funds, Inc. and INVESCO Funds Group, Inc.
(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 on April 27, 1998; File No. 33-74190.)
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|
(25)
|
Third Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 29, 1999; File No. 33-74190.)
|
|
(26)
|
Third Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 29, 1999; File No. 33-74190.)
|
|
(27)
|
Fourth Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(28)
|
Fourth Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(29)
|
Amendment No. 2 to Participation Agreement
among AIM Variable Insurance Funds, Inc., Security Life of Denver
Insurance Company and ING America Equities, Inc. (Incorporated
herein by reference to the Post-Effective Amendment No. 15 to the
Form S-6 Registration Statement of Security Life of Denver
Insurance Company and its Security Life Separate Account L1,
filed on April 9, 2002; File No. 33-74190.)
|
|
(30)
|
Fourth Amendment to Participation Agreement
among Security Life of Denver Insurance Company, INVESCO
Investment Funds, Inc. and INVESCO Funds Group, Inc.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(31)
|
Amendment No. 3 to Participation Agreement
among AIM Variable Insurance Funds, Inc., Security Life of Denver
Insurance Company and ING America Equities, Inc. (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 on April
27, 1998; File No. 33-74190.)
|
|
(32)
|
Fifth Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(33)
|
Fifth Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(34)
|
Amendment No. 4 to Participation Agreement
among AIM Variable Insurance Funds, Inc., Security Life of Denver
Insurance Company and ING America Equities, Inc. (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 on February 29, 2000; File No. 333-72753.)
|
|
(35)
|
Sixth Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(36)
|
Sixth Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(37)
|
Fifth Amendment to Participation Agreement
among Security Life of Denver Insurance Company, INVESCO Variable
Investment Funds, Inc. and INVESCO Funds Group, Inc.
(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 on February 29, 2000; File No. 333-72753.)
|
|
(38)
|
Seventh Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on April 25, 2000; File No. 33-74190.)
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|
(39)
|
Seventh Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on October 13, 2000; File No. 33-74190.)
|
|
(40)
|
Eighth Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on October 13, 2000; File No. 33-74190.)
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|
(41)
|
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. (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 on October 13, 2000;
File No. 33-74190.)
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|
(42)
|
Fund Participation Agreement between Janus
Aspen Series and Security Life of Denver Insurance Company.
(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 on October 13, 2000; File No. 33-74190.)
|
|
(43)
|
Amendment to Janus Aspen Series Fund
Participation Agreement. (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 on January 30, 2001;
File No. 333-50278.)
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|
(44)
|
Amendment No. 5 to Participation Agreement
among AIM Variable Insurance Funds, Inc., Security Life of Denver
Insurance Company and ING America Equities, Inc. (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 on January 30, 2001; File No. 333-50278.)
|
|
(45)
|
Amendment to Participation Agreement among
Security Life of Denver Insurance Company, The GCG Trust and
Directed Services, Inc. (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 on January 30, 2001;
File No. 333-50278.)
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|
(46)
|
Sixth Amendment to Participation Agreement
among Security Life of Denver Insurance Company, INVESCO Variable
Investment Funds, Inc. and INVESCO Funds Group, Inc.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(47)
|
Eighth Amendment to Participation Agreement
among Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 14 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 19, 2001; File No. 33-74190.)
|
|
(48)
|
Ninth Amendment to Participation Agreement
among Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 14 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 19, 2001; File No. 33-74190.)
|
|
(49)
|
Amendment to Participation Agreement among M
Fund, Inc., M Financial Advisers, Inc. and Security Life of
Denver Insurance Company. (Incorporated herein by reference to
the Post-Effective Amendment No. 14 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 19, 2001; File
No. 33-74190.)
|
|
(50)
|
Amendment to Participation Agreement among
Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Form S-6 Initial
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on
November 15, 2001; File No. 333-73464.)
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|
(51)
|
Amendment to Participation Agreement among
Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Form S-6 Initial
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on
November 15, 2001; File No. 333-73464.)
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|
(52)
|
Form of Amendment to Participation Agreement
among Security Life of Denver Insurance Company, The GCG Trust
and Directed Services, Inc. (Incorporated herein by reference to
the Post-Effective Amendment No. 14 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 19, 2001; File
No. 33-74190.)
|
|
(53)
|
Amendment to Participation Agreement among M
Fund, Inc., M Financial Advisers, Inc. and Security Life of
Denver Insurance Company. (Incorporated herein by reference to
the Post-Effective Amendment No. 14 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 19, 2001; File
No. 33-74190.)
|
|
(54)
|
Second Amendment to Participation Agreement
among Security Life of Denver Insurance Company, INVESCO Variable
Investment Funds, Inc. and INVESCO Funds Group, Inc.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(55)
|
Third Amendment to Participation Agreement
among Security Life of Denver Insurance Company, INVESCO Variable
Investment Funds, Inc. and INVESCO Funds Group, Inc.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(56)
|
Amendment No. 1 to Participation Agreement
among AIM Variable Insurance Funds, Inc., Security Life of Denver
Insurance Company and ING America Equities, Inc. (Incorporated
herein by reference to the Post-Effective Amendment No. 15 to the
Form S-6 Registration Statement of Security Life of Denver
Insurance Company and its Security Life Separate Account L1,
filed on April 9, 2002; File No. 33-74190.)
|
|
(57)
|
Amendment to Sales Agreement by and among The
Alger American Fund, Fred Alger Management, Inc., Security Life
of Denver Insurance Company. (Incorporated herein by reference to
the Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(58)
|
Addendum to Alger Sales Agreement.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(59)
|
Amendment No. 6 to Participation Agreement
among AIM Variable Insurance Funds, Inc., Security Life of Denver
Insurance Company and ING America Equities, Inc. (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 on December 19, 2001; File No. 333-73464.)
|
|
(60)
|
Amendment to Participation Agreement among
Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on December 19, 2001; File No. 333-73464.)
|
|
(61)
|
Amendment to Participation Agreement among
Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(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 on December 19, 2001; File No. 333-73464.)
|
|
(62)
|
Seventh Amendment to Participation Agreement
among Security Life of Denver Insurance Company, INVESCO Variable
Investment Funds, Inc. and INVESCO Funds Group, Inc.
(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 on December 19, 2001; File No. 333-73464.)
|
|
(63)
|
Amendment to Janus Aspen Series Fund
Participation Agreement. (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 on December 19, 2001;
File No. 333-73464.)
|
|
(64)
|
Amendment to Participation Agreement among
Security Life of Denver Insurance Company, Pilgrim Variable
Products Trust and ING Pilgrim Securities, Inc. (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 on December 19, 2001; File No. 333-73464.)
|
|
(65)
|
Amendment to Participation Agreement among
Variable Insurance Products Fund, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(66)
|
Amendment to Participation Agreement among
Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(67)
|
Amendment to Participation Agreement among M
Fund, Inc., M Financial Advisers, Inc. and Security Life of
Denver Insurance Company. (Incorporated herein by reference to
the Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(68)
|
Amendment to Participation Agreement among
Variable Insurance Products Fund II, Fidelity Distributors
Corporation and Security Life of Denver Insurance Company.
(Incorporated herein by reference to the Post-Effective Amendment
No. 15 to the Form S-6 Registration Statement of Security Life of
Denver Insurance Company and its Security Life Separate Account
L1, filed on April 9, 2002; File No. 33-74190.)
|
|
(69)
|
Amendment to Participation Agreement among ING
Variable Products Trust, ING Funds Distributor, Inc. and Security
Life of Denver Insurance Company. (Incorporated herein by
reference to the Post-Effective Amendment No. 3 to the Form N-6
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on
February 7, 2003; File No. 333-50278.)
|
|
(70)
|
Amendment to Participation Agreement among
Security Life of Denver Insurance Company and Southland Life
Insurance Company, Putnam Variable Trust and Putnam Retail
Management, L.P. (Incorporated herein by reference to the
Post-Effective Amendment No. 3 to the Form N-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on February 7, 2003;
File No. 333-50278.)
|
|
(71)
|
Service Agreement between Fred Alger
Management, Inc. and Security Life of Denver Insurance Company.
(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 on April 27, 1998; File No. 33-74190.)
|
|
(72)
|
Expense Allocation Agreement between A I M
Advisors, Inc., AIM Distributors, Inc. and Security Life of
Denver. (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 on April 29, 1999; File No.
33-74190.)
|
|
(73)
|
i) Amendment No. 1 to Expense Allocation
Agreement between AIM Advisors, Inc., A I M Distributors, Inc.
and Security Life of Denver. (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 on December 19, 2001;
File No. 333-73464.)
|
|
(74)
|
Service Agreement between INVESCO Funds Group,
Inc. and Security Life of Denver Insurance Company. (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 on April 29, 1999; File No. 33-74190.)
|
|
(75)
|
i) First Amendment to Service Agreement between
Security Life of Denver Insurance Company and INVESCO Funds
Group, Inc. (Incorporated herein by reference to the
Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(76)
|
ii) Amendment to Service Agreement between
Security Life of Denver Insurance Company and INVESCO Funds
Group, Inc. (Incorporated herein by reference to the
Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(77)
|
Service Agreement between Neuberger &
Berman Management Incorporated and Security Life of Denver
Insurance Company. (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 on April 29, 1999; File
No. 33-74190.)
|
|
(78)
|
Service Agreement between Fidelity Investments
Institutional Operations Company, Inc. and Security Life of
Denver Insurance Company. (Incorporated herein by reference to
the Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(79)
|
Side Letter between Van Eck Worldwide Insurance
Trust and Security Life of Denver. (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 on April
29, 1999; File No. 33-74190.)
|
|
(80)
|
Distribution and Shareholder Services Agreement
between Janus Distributors, Inc. and Security Life of Denver
Insurance Company. (Incorporated herein by reference to the
Post-Effective Amendment No. 15 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 9, 2002; File
No. 33-74190.)
|
|
(81)
|
Administrative and Shareholder Service
Agreement between Directed Services, Inc. and Security Life of
Denver Insurance Company. (Incorporated herein by reference to
the Post-Effective Amendment No. 14 to the Form S-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on April 19, 2001; File
No. 33-74190.)
|
|
(82)
|
Administrative and Shareholder Service
Agreement between ING Pilgrim Group, LLC and Security Life of
Denver Insurance Company. (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 on December 19, 2001;
File No. 333-73464.)
|
|
(83)
|
Amendment to Administrative and Shareholder
Services Agreement between Security Life of Denver Insurance
Company and ING Funds Services, LLC. (Incorporated herein by
reference to the Post-Effective Amendment No. 3 to the Form N-6
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on
February 7, 2003; File No. 333-50278.)
|
|
(84)
|
Letter of Agreement between Security Life of
Denver and Janus Capital Corporation. (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 on
December 19, 2001; File No. 333-73464.)
|
|
(85)
|
Service Agreement with Investment Advisor
between ING Life Insurance and Annuity Company and Security Life
of Denver Insurance Company. (Incorporated herein by reference to
the Post-Effective Amendment No. 3 to the Form N-6 Registration
Statement of Security Life of Denver Insurance Company and its
Security Life Separate Account L1, filed on February 7, 2003;
File No. 333-50278.)
|
|
(86)
|
Administrative Services Agreement between
Security Life of Denver and Financial Administrative Services
Corporation. (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 on April 27, 1998; File No.
33-74190.)
|
|
(87)
|
Amendment to Administrative Services Agreement
between Security Life of Denver and Financial Administrative
Services Corporation. (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 on April 27, 1998; File
No. 33-74190.)
|
(i)
|
Not Applicable.
|
|
(j)
|
Not Applicable.
|
|
(k)
|
Opinion and Consent of Counsel. (To be filed by
amendment.)
|
|
(l)
|
Actuarial Opinion and Consent. (To be filed by
amendment.)
|
|
(m)
|
Not Applicable.
|
|
|
(n)
|
Consent of Independent Auditors. (To be filed
by amendment.)
|
|
|
(o)
|
All financial statements are included in the
Statement of Additional Information, as indicated
therein.
|
|
|
(p)
|
Document setting forth administrative
procedures to be followed by Security Life of Denver Insurance
Company for Purchase, Redemption, Transfer, and Conversion.
(Incorporated herein by reference to 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 on May 10, 1999; File No. 333-72753.)
|
|
(q)
|
Not Applicable.
|
|
|
(r)
|
Powers of Attorney. (Incorporated herein by
reference to the Post-Effective Amendment No. 3 to the Form N-6
Registration Statement of Security Life of Denver Insurance
Company and its Security Life Separate Account L1, filed on
February 7, 2003; File No. 333-50278.)
|
Item 28
|
Directors and Officers of the Depositor
|
Name and Principal Business
Address
|
Positions and Offices with
Depositor
|
Keith Gubbay, 5780 Powers Ferry Road, NW,
Atlanta, GA 30327
|
Director, President and Chief Executive
Officer
|
P. Randall Lowery, 5780 Powers Ferry Road,
NW, Atlanta, GA 30327
|
|
Thomas J. McInerney, 5780 Powers Ferry Road,
NW, Atlanta, GA 30327
|
|
Chris D. Schreier, 5780 Powers Ferry Road,
NW, Atlanta, GA 30327
|
Director, Senior Vice President and Chief
Financial Officer
|
Mark A. Tullis, 5780 Powers Ferry Road, NW,
Atlanta, GA 30327
|
|
Paul R. Bell, III, 1290 Broadway, Denver, CO
80203
|
|
James R. Gelder, 20 Washington Avenue South,
Minneapolis, MN 55401.
|
|
Shaun P. Mathews, 151 Farmington Avenue,
Hartford, CT 06156
|
|
Stephen J. Preston, 1475 Dunwoody Drive, West
Chester, PA 19380
|
|
Jacques de Vaucleroy, 5780 Powers Ferry Road,
NW, Atlanta, GA 30327
|
|
Cheryl L. Price, 5780 Powers Ferry Road, NW,
Atlanta, GA 30327
|
Vice President and Chief Accounting
Officer
|
Paula Cludray-Engelke, 20 Washington Avenue
South, Minneapolis, MN 55401
|
|
|
|
Item 29
|
Persons Controlled by or Under Common
Control with the Depositor or the Registrant
|
Incorporated herein by reference to Exhibit
99-B.16 to Registration Statement on Form N-4 (File No.
333-85326), as filed on April 1, 2002 for ReliaStar Life
Insurance Company of New York.
|
|
Item 30
|
Indemnification (To be updated by
amendment)
|
|
Section 7-109-107 of the
Colorado Revised Statutes (the "CRS") provides that a corporation
may provide indemnification of or advance expenses to a
"director" (defined as an individual who is or was a director of
a corporation or an individual who, while a director of a
corporation, is or was serving at the corporation's request as a
director, officer, partner, trustee, employee, fiduciary, or
agent of another domestic or foreign corporation or other person
or of an employee benefit plan and includes, unless the context
requires otherwise, the estate or personal representative of a
director) only as permitted by Sections 7-109-102 to 7-109-106,
inclusive, of the CRS. These statutes provide in general that
Colorado corporations shall, except to the extent that their
articles of incorporation expressly provide otherwise, indemnify
their directors against "liability" (defined as the obligation to
pay a judgment, settlement, penalty, fine, including an excise
tax assessed with respect to a proceeding) when (1) a
determination is made pursuant to Section 7-109-102 that the
party seeking indemnification has met the standard of conduct set
forth in Section 7-109-102; or (2) a court has determined that
indemnification is appropriate pursuant to Section 7-109-105.
Under Section 7-109-106, the determination of and authorization
for indemnification are made (1) by the disinterested directors,
as defined in Section 7-109-106(2)(a); (2) by independent counsel
as defined in Section 7-109-106(3)(a); or (3) by the
shareholders. Authorization of indemnification and advance of
expenses shall be made in the same manner as the determination
that indemnification or advance of expenses is permissible;
except that, if the determination that indemnification or advance
of expenses is permissible is made by independent legal counsel,
authorization of indemnification and advance of expenses shall be
made by the body that selected such counsel. Also, Section
7-109-103 provides that a corporation shall indemnify a person
who was wholly successful, on the merits or otherwise, against
reasonable expenses incurred by him in connection with a
proceeding to which he was a party because he was a director of
the corporation. Pursuant to Section 7-109-102(4), in the case of
a proceeding by or in the right of the corporation in which the
director was adjudged liable to the corporation or in the case of
any other proceeding in which the director was adjudged liable on
the basis that he received an improper personal benefit to which
he was not entitled, indemnification is limited to reasonable
expenses incurred in connection with the proceeding against the
corporation to which the individual was named a party.
|
|
Pursuant to Section 7-109-108,
a corporation may procure indemnification insurance on behalf of
an individual who was a director of the corporation. Consistent
with the statute, ING Groep N.V. has procured insurance from
Lloyd's of London and several major United States and
international excess insurers for its director and officers and
the directors and officers of its subsidiaries, including the
Depositor.
|
|
Section XVIII of the ING
America Equities, Inc. (INGAE) Distribution Agreement provides
the INGAE will indemnify and hold harmless certain persons
against any loss, damage, claim or expenses (including legal
fees) incurred by such person if he is made a party or is
threatened to be made a party to a suit or proceeding because he
was an officer, director or employee of INGAE, as long as he
acted in good faith on behalf of INGAE and in a manner reasonably
believed to be within the scope of his authority. An additional
condition requires that no person shall be entitled to indemnity
if his loss, damage, claim or expense was incurred by reason of
his gross negligence or willful misconduct.
|
|
Item 31
|
Principal Underwriters
|
(a)
|
Other Activity. ING
America Equities, Inc., the principal underwriter for the
policies, is also the principal underwriter for policies issued
by ReliaStar Life Insurance Company of New York, ReliaStar Life
Insurance Company and Southland Life Insurance
Company.
|
(b)
|
Management of ING America Equities,
Inc.
|
Name and Principal Business
Address
|
Positions and Offices with
Underwriter
|
Daniel P. Mulheran, 20 Washington Avenue
South, Minneapolis, MN 55401
|
Director, President and Chief Executive
Officer
|
Mark A. Smith, 1290 Broadway, Denver, CO
80203
|
Director, Vice President
|
Pamela S. Anson, 2001 21st Avenue,
N.W. Minot, ND 58703
|
Vice President
|
Anita F. Woods, 5780 Powers Ferry Road,
Atlanta, GA 80203
|
Financial Operations Officer and Chief
Financial Officer
|
Relda A. Fleshman, 1290 Broadway, Denver, CO
80203
|
Chief Legal Officer
|
Beth G. Shanker, 1290 Broadway, Denver, CO
80203
|
Chief Compliance Officer
|
Paula Cludray-Engelke, 20 Washington Avenue
South, Minneapolis, MN 55401
|
Secretary
|
Eric G. Banta, 1290 Broadway, Denver, CO
80203
|
Assistant Secretary
|
(c)
|
Compensation From the
Registrant. (To be filed by amendment)
|
(1)
|
(2)
|
(3)
|
(4)
|
(5)
|
Name of Principal
Underwriter
|
2002 Net Underwriting Discounts
and Commissions
|
Compensation on Events
Occasioning the Deduction of a Deferred Sales Load
|
Brokerage Commissions
|
Other Compensation*
|
ING America Equities,
Inc.
|
$
|
$ 0
|
$ 0
|
$ 0
|
*
|
Compensation shown in column 5 includes: (To be
filed by amendment)
|
|
|
Item 32
|
Location of Accounts and
Records
|
Accounts and records are
maintained by Security Life of Denver Insurance Company at 1290
Broadway, Denver, CO 80203-5699 and by ING Americas Finance
Shared Services, an affiliate, at 5780 Powers Ferry Road, NW,
Atlanta, GA 30327.
|
Item 33
|
Management Services
|
None.
|
Item 34
|
Fee Representations
|
Security Life of Denver
Insurance Company represents that the fees and charges deducted
under the variable life insurance policy, in the aggregate, are
reasonable in relation to the services rendered, the expenses
expected to be incurred, and the risks assumed by Security Life
of Denver Insurance Company.
|
SIGNATURES
|
|
Pursuant to the requirements of
the Securities Act of 1933 and the Investment Company Act, the
Registrant, Security Life Separate Account L1, has duly caused
this Post-Effective Amendment No. 7 to this Registration
Statement on Form N-6 (File No. 333-72753) to be signed on its
behalf by the undersigned, duly authorized, in the City of
Hartford, and State of Connecticut on the 24th day of
February, 2003.
|
|
|
SECURITY LIFE SEPARATE ACCOUNT
L1
|
|
|
(Registrant)
|
|
|
|
|
|
By: SECURITY LIFE OF DENVER
INSURANCE COMPANY
|
|
|
(Depositor)
|
|
|
|
|
By:
|
Keith Gubbay*
|
|
|
|
President
|
|
|
|
(principal executive
officer)
|
Pursuant to the requirements of
the Securities Act of 1933, this Post-Effective Amendment No. 7
has been signed below by the following persons in the capacities
indicated and on the date indicated.
|
|
Signature
|
Title
|
|
|
|
|
|
|
Keith Gubbay*
|
Director and President
|
|
|
Keith Gubbay
|
(principal executive officer)
|
|
|
|
|
|
|
Thomas J. McInerney*
|
Director
|
|
|
Thomas J. McInerney
|
|
|
|
|
|
|
|
Randy Lowery*
|
Director
|
|
|
P. Randall Lowery
|
|
|
|
|
|
|
|
Mark A. Tullis*
|
Director
|
|
|
Mark A. Tullis
|
|
|
|
|
|
|
|
Chris Schreier*
|
Director, Sr. Vice President and Chief
Financial Officer
|
|
|
Chris Schreier
|
(principal financial officer)
|
|
|
|
|
|
|
Cheryl Price*
|
Vice President and Chief Accounting
Officer
|
|
|
Cheryl Price
|
(principal accounting officer)
|
|
|
|
|
|
|
By:
|
/s/ J. Neil McMurdie
|
|
J. Neil McMurdie
|
|
*Attorney-in-Fact
|
|
February 20, 2003
|
SECURITY LIFE SEPARATE
ACCOUNT L1
|
EXHIBIT INDEX
|
|
Exhibit No.
|
Exhibit
|
|
|
|
|
|
|
|
|
|
|
|
[To be filed by
amendment]
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
GRAPHIC
4
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`
end
485APOS
5
vs_022403.pdf
UNOFFICIAL PDF
begin 644 vs_022403.pdf
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