How Interest is Credited (Continued)

Premium Allocation

Each Indexed Account has a specific Index and Index Crediting Strategy associated with it that will be used to calculate the rate of interest that will be credited to the Contract on each Contract Anniversary Date. The growth or loss occurring in these Indexes is used to calculate the interest credited, but none of the policy premium is invested directly in the indexes listed below.

Premiums may be applied to any or all of the indexed or fixed strategies listed below on the application:

* Allocations must be in whole percentages.

Indexed Account

S&P 500 ©

Annual Point-to-Point with Cap	___ %
Annual Point-to-Point with Participation Rate	___ %
Annual Monthly Average with Cap	___ %

Nasdaq-100 ©

Annual Point-to-Point with Cap	___ %
Annual Point-to-Point with Participation Rate	___ %
Annual Monthly Average with Cap	___ %

Fixed Account

___ %

Total Allocation

100%