<PAGE>
Exhibit 1A(3)(c)
COMMISSION SCHEDULE
--------------------------------------------------------------------------------
First Year
--------------------------------------------------------------------------------
Ages 20-75 55% Ages 76-85 55%
3.0% 1.0%
--------------------------------------------------------------------------------
Renewal Years 2-10
--------------------------------------------------------------------------------
Ages 20-75 4.0% Ages 76-85 1.0%
3.0% 1.0%
--------------------------------------------------------------------------------
Trail on AV (beginning
in year 6)
0.20%
--------------------------------------------------------------------------------