AUSA FINANCIAL FREEDOM BUILDER(SM)
SUPPLEMENT DATED SEPTEMBER 1, 2000 TO
PROSPECTUS DATED MAY 1, 2000
Effective September 1, 2000, the WRL Series Fund, Inc. (the "WRL Fund") offers
five new investment options and the Fidelity VIP Equity-Income Portfolio -
Service Class 2 offered by Variable Insurance Products Fund (VIP), Fidelity VIP
II Contrafund(R) Portfolio - Service Class 2 offered by Variable Insurance
Products Fund II (VIP II), and the Fidelity VIP III Growth Opportunities
Portfolio - Service Class 2 offered by Variable Insurance Products Fund III (VIP
III) (collectively, the "Fidelity VIP Fund") will be offered under this Policy.
Also the WRL Janus Global portfolio and subaccount are only available for
investment to policyowners who purchased their Policy before September 1, 2000.
THE FOLLOWING INFORMATION IS ADDED TO PAGE 5 OF THE PROSPECTUS UNDER THE HEADING
"INVESTMENT OPTIONS":
WRL SERIES FUND, INC.
WRL Great Companies - America(SM)
WRL Great Companies - Technology(SM)
WRL Great Companies - Global(2)
WRL Gabelli Global Growth
WRL Value Line Aggressive Growth
VARIABLE INSURANCE PRODUCTS FUND (VIP)
Fidelity VIP Equity-Income Portfolio - Service Class 2
VARIABLE INSURANCE PRODUCTS FUND II (VIP II)
Fidelity VIP II Contrafund(R) Portfolio - Service Class 2
VARIABLE INSURANCE PRODUCTS FUND III (VIP III)
Fidelity VIP III Growth Opportunities - Service Class 2
THE FOLLOWING INFORMATION IS ADDED TO THE PORTFOLIO ANNUAL EXPENSE TABLE ON PAGE
12 OF THE PROSPECTUS:
<TABLE>
<CAPTION>
------------------------------------- ---------------- ----------- ------------ --------------------
RULE
MANAGEMENT OTHER 12B-1 TOTAL PORTFOLIO
PORTFOLIO FEES EXPENSES FEES ANNUAL EXPENSES
------------------------------------- ---------------- ----------- ------------ --------------------
<S> <C> <C> <C>
WRL Great Companies - America(SM)(7) 0.80% 0.20% N/A 1.00%
------------------------------------- ---------------- ----------- ------------ --------------------
WRL Great Companies - Technology(SM)(7) 0.80% 0.20% N/A 1.00%
------------------------------------- ---------------- ----------- ------------ --------------------
WRL Value Line Aggressive Growth(7) 0.80% 0.20% N/A 1.00%
------------------------------------- ---------------- ----------- ------------ --------------------
WRL Great Companies - Global(2) (7) 0.80% 0.20% N/A 1.00%
------------------------------------- ---------------- ----------- ------------ --------------------
WRL Gabelli Global Growth(7) 1.00% 0.20% N/A 1.20%
----------------------------------------------------------------------------------------------------
VARIABLE INSURANCE PRODUCTS FUND (VIP)
----------------------------------------------------------------------------------------------------
Fidelity VIP Equity-Income
Portfolio - Service Class 2(7) (9) 0.48% 0.10% 0.25%(8) 0.83%
----------------------------------------------------------------------------------------------------
VARIABLE INSURANCE PRODUCTS FUND II (VIP II)
----------------------------------------------------------------------------------------------------
Fidelity VIP II Contrafund(R)
Portfolio - Service Class 2(7) (9) 0.58% 0.12% 0.25%(8) 0.95%
----------------------------------------------------------------------------------------------------
VARIABLE INSURANCE PRODUCTS FUND III (VIP III)
----------------------------------------------------------------------------------------------------
Fidelity VIP III Growth
Opportunities Portfolio - Service 0.58% 0.13% 0.25%(8) 0.96%
Class 2(7) (9)
------------------------------------- ---------------- ----------- ------------ --------------------
</TABLE>
THE FOLLOWING INFORMATION IS ADDED TO FOOTNOTE (3) ON PAGE 12 OF THE PROSPECTUS:
Effective September 1, 2000, this portfolio is not available for investment to
new policyowners.
<PAGE>
THE FOLLOWING IS ADDED TO THE TABLE IN FOOTNOTE (6) ON PAGES 12-13 OF THE
PROSPECTUS:
<TABLE>
<CAPTION>
------------------------------------- ---------------- -------------------- ---------------------------
EXPENSE REIMBURSEMENT EXPENSE RATIO WITHOUT
LIMIT AMOUNT REIMBURSEMENT
------------------------------------- ---------------- -------------------- ---------------------------
<S> <C> <C> <C>
WRL Great Companies - America(SM) 1.00% N/A N/A
------------------------------------- ---------------- -------------------- ---------------------------
WRL Great Companies - Technology(SM) 1.00% N/A N/A
------------------------------------- ---------------- -------------------- ---------------------------
WRL Value Line Aggressive Growth 1.00% N/A N/A
------------------------------------- ---------------- -------------------- ---------------------------
WRL Great Companies - Global(2) 1.00% N/A N/A
------------------------------------- ---------------- -------------------- ---------------------------
WRL Gabelli Global Growth 1.20% N/A N/A
------------------------------------- ---------------- -------------------- ---------------------------
</TABLE>
THE FOLLOWING FOOTNOTES ARE ADDED TO PAGE 13 OF THE PROSPECTUS:
(7) Because these portfolios did not commence operations until September 1,
2000, the percentages set forth as "Other Expenses" and "Total Annual
Expenses" reflect estimates of "Other Expenses" for the first year of
operations.
(8) The 12b-1 fee deducted for the Fidelity VIP Funds covers certain
shareholder support services provided by companies selling variable
contracts investing in the Fidelity VIP Funds. The 12b-1 fees assessed
against the Fidelity VIP Funds shares held for the Policies will be
remitted to AFSG Securities Corporation ("AFSG"), the principal underwriter
for the Policies.
(9) Service Class 2 expenses are based on estimated expenses for the year 2000.
THE FOLLOWING INFORMATION IS ADDED TO PAGES 15 - 17 OF THE PROSPECTUS UNDER THE
HEADING "THE SEPARATE ACCOUNT AND THE PORTFOLIOS - THE FUNDS":
<TABLE>
<CAPTION>
PORTFOLIO SUB-ADVISER OR ADVISER INVESTMENT OBJECTIVE
<S> <C> <C>
WRL Great Companies - Global(2) Great Companies, L.L.C. Seeks long-term growth of capital
in a manner consistent with
preservation of capital.
WRL Great Companies - America(SM) Great Companies, L.L.C. Seeks long-term growth of capital.
WRL Value Line Aggressive Growth Value Line, Inc. Seeks long-term growth of capital.
WRL Great Companies - Technology(SM) Great Companies, L.L.C. Seeks long-term growth of capital.
WRL Gabelli Global Growth Gabelli Asset Management Company Seeks to provide investors with
appreciation of capital. Current
income is a secondary objective.
Fidelity VIP Equity-Income Fidelity Management & Research Seeks reasonable income by
Portfolio - Service Class 2 Company investing primarily in
income-producing equity
securities.
Fidelity VIP II Contrafund(R) Fidelity Management & Research Seeks long-term capital
Portfolio - Service Class 2 Company appreciation by investing
primarily in a broad variety
of common stocks, using both
growth-oriented and contrarian
disciplines.
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
PORTFOLIO SUB-ADVISER OR ADVISER INVESTMENT OBJECTIVE
<S> <C> <C>
Fidelity VIP III Growth Fidelity Management & Research Seeks capital growth by investing
Opportunities Portfolio - Service Company in a wide range of common
Class 2 domestic and foreign stocks, and
securities convertible into
common stocks.
</TABLE>
THE FOLLOWING PARAGRAPH IS ADDED AFTER THE CHART ON PAGE 58 OF THE PROSPECTUS
UNDER THE HEADING "PERFORMANCE DATA - RATES OF RETURN":
Because the WRL Great Companies - America(SM), WRL Great Companies -
Technology(SM), WRL Value Line Aggressive Growth, WRL Great Companies -
Global(2), WRL Gabelli Global Growth portfolios, Fidelity VIP Equity-Income
Portfolio - Service Class 2, Fidelity VIP II Contrafund(R) Portfolio - Service
Class 2 and Fidelity VIP III Growth Opportunities Portfolio - Service Class 2
had not commenced operations as of December 31, 1999, the above chart does not
reflect rates of return for these portfolios.
THE FOLLOWING PARAGRAPH REPLACES THE LAST PARAGRAPH ON PAGE 67 OF THE PROSPECTUS
UNDER THE HEADING "PERFORMANCE DATA - HYPOTHETICAL ILLUSTRATIONS BASED ON
SUBACCOUNT PERFORMANCE":
Because the WRL Goldman Sachs Growth, WRL Goldman Sachs Small Cap, WRL
T. Rowe Price Dividend Growth, WRL T. Rowe Price Small Cap, WRL Salomon All Cap,
WRL Pilgrim Baxter Mid Cap Growth and WRL Dreyfus Mid Cap subaccounts did not
commence operations until May 3, 1999, and the Fidelity VIP Equity-Income
Portfolio - Service Class 2, Fidelity VIP II Contrafund(R) Portfolio - Service
Class 2 and Fidelity VIP III Growth Opportunities Portfolio - Service Class 2,
WRL Great Companies - America(SM), WRL Great Companies - Technology(SM), WRL
Value Line Aggressive Growth, WRL Great Companies - Global(2) and WRL Gabelli
Global Growth subaccounts did not commence operations until September 1, 2000,
there are no hypothetical illustrations for these subaccounts.
THE FOLLOWING PARAGRAPH REPLACES THE FIRST PARAGRAPH ON PAGE 69 UNDER THE
HEADING "ADDITIONAL INFORMATION - LEGAL PROCEEDINGS":
AUSA Life, like other life insurance companies, is involved in
lawsuits, including class action lawsuits. In some lawsuits involving insurers,
substantial damages have been sought and/or material settlement payments have
been made. Although the outcome of any litigation cannot be predicted with
certainty, at the present time, it appears that there are no pending or
threatened lawsuits that are likely to have a material adverse impact on the
separate account, on AFSG's ability to perform under its principal underwriting
agreement, or on AUSA Life's ability to meet its obligations under the Policy.
THE FOLLOWING PARAGRAPH IS ADDED AFTER THE FOURTH PARAGRAPH ON PAGE 73 OF THE
PROSPECTUS UNDER THE HEADING "APPENDIX A - ILLUSTRATIONS":
Because the WRL Great Companies - America(SM), WRL Great Companies -
Technology(SM), WRL Value Line Aggressive Growth, WRL Great Companies -
Global(2), WRL Gabelli Global Growth portfolios, Fidelity VIP Equity-Income
Portfolio - Service Class 2, Fidelity VIP II Contrafund(R) Portfolio - Service
Class 2 and Fidelity VIP III Growth Opportunities Portfolio - Service Class 2
had not commenced operations as of December 31, 1999, the estimated average
annual portfolio expense level reflects estimated expenses for each of these
portfolios for 2000.
<PAGE>
THE FOLLOWING INFORMATION REPLACES THE INFORMATION ON PAGES 75-76 OF THE
PROSPECTUS UNDER THE HEADING "APPENDIX A - ILLUSTRATIONS":
<TABLE>
<CAPTION>
AUSA LIFE INSURANCE COMPANY, INC.
FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
HYPOTHETICAL ILLUSTRATIONS
MALE ISSUE AGE 35
Specified Amount $165,000 Ultimate Select Class
Annual Premium $2,000 Option Type A
Using Current Cost of Insurance Rates
------------------- ----------------- -------------------------------------------------------------------------------------
DEATH BENEFIT
ASSUMING HYPOTHETICAL GROSS AND NET ANNUAL INVESTMENT RETURN OF
------------------- ----------------- -------------------------------------------------------------------------------------
END OF POLICY PREMIUM 0% (GROSS) 6% (GROSS) 12% (GROSS)
YEAR ACCUMULATED AT -1.84% (NET) 4.16% (NET) 10.16 (NET)
5%
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
<S> <C> <C> <C> <C>
1 2,100 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
2 4,305 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
3 6,620 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
4 9,051 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
5 11,604 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
6 14,284 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
7 17,098 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
8 20,053 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
9 23,156 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
10 26,414 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
15 45,315 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
20 69,439 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
30 (AGE 65) 139,522 165,000 165,000 346,878
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
40 (AGE 75) 253,680 165,000 165,000 821,822
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
50 (AGE 85) 439,631 * 246,519 2,128,318
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
60 (AGE 95) 742,526 * 372,581 5,306,036
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
<CAPTION>
------------------- -------------------------------------------------------------------------------------
CASH VALUE
ASSUMING HYPOTHETICAL GROSS AND NET ANNUAL INVESTMENT RETURN OF
------------------- -------------------------------------------------------------------------------------
END OF POLICY 0% (GROSS) 6% (GROSS) 12% (GROSS)
YEAR -1.84% (NET) 4.16% (NET) 10.16 (NET)
------------------- ----------------------------- --------------------------- ---------------------------
<S> <C> <C> <C>
1 1,533 1,636 1,739
------------------- ----------------------------- --------------------------- ---------------------------
2 3,034 3,336 3,650
------------------- ----------------------------- --------------------------- ---------------------------
3 4,501 5,100 5,749
------------------- ----------------------------- --------------------------- ---------------------------
4 5,935 6,932 8,057
------------------- ----------------------------- --------------------------- ---------------------------
5 7,326 8,824 10,584
------------------- ----------------------------- --------------------------- ---------------------------
6 8,674 10,779 13,352
------------------- ----------------------------- --------------------------- ---------------------------
7 9,977 12,795 16,384
------------------- ----------------------------- --------------------------- ---------------------------
8 11,236 14,877 19,708
------------------- ----------------------------- --------------------------- ---------------------------
9 12,429 17,004 23,333
------------------- ----------------------------- --------------------------- ---------------------------
10 13,568 19,191 27,301
------------------- ----------------------------- --------------------------- ---------------------------
15 18,723 31,431 54,152
------------------- ----------------------------- --------------------------- ---------------------------
20 22,426 45,615 97,595
------------------- ----------------------------- --------------------------- ---------------------------
30 (AGE 65) 27,284 84,466 284,326
------------------- ----------------------------- --------------------------- ---------------------------
40 (AGE 75) 23,177 142,663 768,058
------------------- ----------------------------- --------------------------- ---------------------------
50 (AGE 85) * 234,780 2,026,969
------------------- ----------------------------- --------------------------- ---------------------------
60 (AGE 95) * 368,892 5,253,501
------------------- ----------------------------- --------------------------- ---------------------------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
------------------- -------------------------------------------------------------------------------------
NET SURRENDER VALUE
ASSUMING HYPOTHETICAL GROSS AND NET ANNUAL INVESTMENT RETURN OF
------------------- -------------------------------------------------------------------------------------
END OF POLICY 0% (GROSS) 6% (GROSS) 12% (GROSS)
YEAR -1.84% (NET) 4.16% (NET) 10.16 (NET)
------------------- ----------------------------- --------------------------- ---------------------------
<S> <C> <C> <C>
1 0 0 0
------------------- ----------------------------- --------------------------- ---------------------------
2 474 775 1,089
------------------- ----------------------------- --------------------------- ---------------------------
3 1,940 2,539 3,188
------------------- ----------------------------- --------------------------- ---------------------------
4 3,374 4,371 5,496
------------------- ----------------------------- --------------------------- ---------------------------
5 4,765 6,623 8,023
------------------- ----------------------------- --------------------------- ---------------------------
6 6,369 8,474 11,048
------------------- ----------------------------- --------------------------- ---------------------------
7 7,928 10,746 14,335
------------------- ----------------------------- --------------------------- ---------------------------
8 9,443 13,084 17,915
------------------- ----------------------------- --------------------------- ---------------------------
9 10,893 15,468 21,796
------------------- ----------------------------- --------------------------- ---------------------------
10 12,287 17,910 26,020
------------------- ----------------------------- --------------------------- ---------------------------
15 18,723 31,431 54,152
------------------- ----------------------------- --------------------------- ---------------------------
20 22,426 45,615 97,595
------------------- ----------------------------- --------------------------- ---------------------------
30 (AGE 65) 27,284 84,466 284,326
------------------- ----------------------------- --------------------------- ---------------------------
40 (AGE 75) 23,177 142,663 768,058
------------------- ----------------------------- --------------------------- ---------------------------
50 (AGE 85) * 234,780 2,026,969
------------------- ----------------------------- --------------------------- ---------------------------
60 (AGE 95) * 368,892 5,253,501
------------------- ----------------------------- --------------------------- ---------------------------
</TABLE>
* In the absence of an additional payment, the Policy would lapse.
<TABLE>
<CAPTION>
AUSA LIFE INSURANCE COMPANY, INC.
FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE
HYPOTHETICAL ILLUSTRATIONS
MALE ISSUE AGE 35
Specified Amount $165,000 Ultimate Select Class
Annual Premium $2,000 Option Type A
Using Guaranteed Cost of Insurance Rates
------------------- ----------------- -------------------------------------------------------------------------------------
DEATH BENEFIT
ASSUMING HYPOTHETICAL GROSS AND NET ANNUAL INVESTMENT RETURN OF
------------------- ----------------- -------------------------------------------------------------------------------------
END OF POLICY PREMIUM 0% (GROSS) 6% (GROSS) 12% (GROSS)
YEAR ACCUMULATED AT -1.84% (NET) 4.16% (NET) 10.16 (NET)
5%
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
<S> <C> <C> <C> <C>
1 2,100 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
2 4,305 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
3 6,620 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
4 9,051 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
5 11,604 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
6 14,284 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
7 17,094 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
8 20,053 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
9 23,156 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
10 26,414 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
15 45,315 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
20 69,439 165,000 165,000 165,000
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
30 (AGE 65) 139,522 165,000 165,000 332,878
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
40 (AGE 75) 253,680 * 165,000 768,574
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
50 (AGE 85) 439,631 * 165,000 1,929,572
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
60 (AGE 95) 742,526 * 208,529 4,544,655
------------------- ----------------- ---------------------------- ---------------------------- ---------------------------
</TABLE>
<PAGE>
<TABLE>
<CAPTION>
------------------- -------------------------------------------------------------------------------------
CASH VALUE
ASSUMING HYPOTHETICAL GROSS AND NET ANNUAL INVESTMENT RETURN OF
------------------- -------------------------------------------------------------------------------------
END OF POLICY 0% (GROSS) 6% (GROSS) 12% (GROSS)
YEAR -1.84% (NET) 4.16% (NET) 10.16 (NET)
------------------- ----------------------------- --------------------------- ---------------------------
<S> <C> <C> <C>
1 1,533 1,636 1,739
------------------- ----------------------------- --------------------------- ---------------------------
2 3,006 3,306 3,620
------------------- ----------------------------- --------------------------- ---------------------------
3 4,436 5,031 5,677
------------------- ----------------------------- --------------------------- ---------------------------
4 5,824 6,812 7,928
------------------- ----------------------------- --------------------------- ---------------------------
5 7,167 8,648 10,389
------------------- ----------------------------- --------------------------- ---------------------------
6 8,465 10,541 13,083
------------------- ----------------------------- --------------------------- ---------------------------
7 9,715 12,490 16,028
------------------- ----------------------------- --------------------------- ---------------------------
8 10,917 14,497 19,253
------------------- ----------------------------- --------------------------- ---------------------------
9 12,069 16,561 22,784
------------------- ----------------------------- --------------------------- ---------------------------
10 13,172 18,685 26,654
------------------- ----------------------------- --------------------------- ---------------------------
15 18,173 30,603 52,882
------------------- ----------------------------- --------------------------- ---------------------------
20 21,416 44,088 95,093
------------------- ----------------------------- --------------------------- ---------------------------
30 (AGE 65) 18,233 74,518 272,851
------------------- ----------------------------- --------------------------- ---------------------------
40 (AGE 75) * 106,143 718,293
------------------- ----------------------------- --------------------------- ---------------------------
50 (AGE 85) * 137,913 1,837,688
------------------- ----------------------------- --------------------------- ---------------------------
60 (AGE 95) * 206,464 4,499,659
------------------- ----------------------------- --------------------------- ---------------------------
<CAPTION>
------------------- -------------------------------------------------------------------------------------
NET SURRENDER VALUE
ASSUMING HYPOTHETICAL GROSS AND NET ANNUAL INVESTMENT RETURN OF
------------------- -------------------------------------------------------------------------------------
END OF POLICY 0% (GROSS) 6% (GROSS) 12% (GROSS)
YEAR -1.84% (NET) 4.16% (NET) 10.16 (NET)
------------------- ----------------------------- --------------------------- ---------------------------
<S> <C> <C> <C>
1 0 0 0
------------------- ----------------------------- --------------------------- ---------------------------
2 445 745 1,059
------------------- ----------------------------- --------------------------- ---------------------------
3 1,875 2,470 3,116
------------------- ----------------------------- --------------------------- ---------------------------
4 3,263 4,251 5,367
------------------- ----------------------------- --------------------------- ---------------------------
5 4,606 6,088 7,828
------------------- ----------------------------- --------------------------- ---------------------------
6 6,161 8,237 10,778
------------------- ----------------------------- --------------------------- ---------------------------
7 7,666 10,441 13,980
------------------- ----------------------------- --------------------------- ---------------------------
8 9,125 12,074 17,461
------------------- ----------------------------- --------------------------- ---------------------------
9 10,533 15,024 21,248
------------------- ----------------------------- --------------------------- ---------------------------
10 11,891 17,405 25,373
------------------- ----------------------------- --------------------------- ---------------------------
15 18,173 30,603 52,882
------------------- ----------------------------- --------------------------- ---------------------------
20 21,416 44,088 95,093
------------------- ----------------------------- --------------------------- ---------------------------
30 (AGE 65) 18,233 74,518 272,851
------------------- ----------------------------- --------------------------- ---------------------------
40 (AGE 75) * 106,143 718,293
------------------- ----------------------------- --------------------------- ---------------------------
50 (AGE 85) * 137,913 1,837,688
------------------- ----------------------------- --------------------------- ---------------------------
60 (AGE 95) * 206,464 4,499,659
------------------- ----------------------------- --------------------------- ---------------------------
</TABLE>
* In the absence of an additional payment, the Policy would lapse.
AG07430-9/2000
