THE LIFE INSURANCE COMPANY OF VIRGINIA
UNISEX RIDER
This Policy, including any attached riders and endorsements, is amended as
follows.
Unisex Policy
All references to "sex" are deleted. Values and rates are unisex. They do
not depend on the sex of the Insured.
Calculation of Values
Our calculations of guaranteed maximum cost of insurance rates for attained ages
15 and above are based on the 1980 CSO-NB and CSO-SB mortality tables for
nonsmokers and smokers, respectively. For attained ages 0-14, they are based on
the 1980 CSO-B table.
Optional Payment Plans
Optional Payment Plan Tables 2 and 5 are deleted from previous policy pages.
They are replaced by the following unisex tables.
Plan 2 Table: Monthly payment rates for each $1000 of proceeds.
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10 15 20 10 15 20 10 15 20 10 15 20
Age* Years Years Years Age* Years Years Years Age* Years Years Years Age* Years Years Years
Cert. Cert. Cert. Cert. Cert. Cert. Cert. Cert. Cert. Cert. Cert. Cert.
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20 $2.82 $2.82 $2.82 55 $4.00 $3.96 $3.90 66 $5.08 $4.91 $4.67 77 $6.96 $6.14 $5.33
25 2.90 2.89 2.89 56 4.07 4.03 3.96 67 5.22 5.02 4.74 78 7.16 6.23 5.36
30 2.99 2.99 2.98 57 4.15 4.10 4.03 68 5.36 5.13 4.82 79 7.36 6.32 5.39
35 3.11 3.10 3.10 58 4.23 4.18 4.09 69 5.51 5.24 4.89 80 7.57 6.40 5.42
40 3.26 3.25 3.24 59 4.32 4.25 4.16 70 5.66 5.35 4.96 81 7.77 6.47 5.44
45 3.45 3.43 3.42 60 4.41 4.34 4.23 71 5.83 5.47 5.02 82 7.96 6.54 5.46
50 3.69 3.67 3.64 61 4.51 4.42 4.30 72 6.00 5.58 5.09 83 8.14 6.60 5.47
51 3.74 3.72 3.68 62 4.61 4.51 4.37 73 6.18 5.70 5.15 84 8.32 6.65 5.48
52 3.80 3.78 3.74 63 4.72 4.61 4.44 74 6.37 5.81 5.20 85 & 8.48 6.69 5.49
53 3.87 3.84 3.79 64 4.83 4.70 4.52 75 6.56 5.93 5.25 Over
54 3.93 3.90 3.85 65 4.95 4.80 4.59 76 6.76 6.03 5.29
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Values for ages not shown will be furnished upon request.
Plan 5 Table: Monthly Payment Rates for each $1000 of proceeds.
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Settlement
Age 35 40 45 50 55 60 65 70 75 80 85&over
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35 $2.92 $2.97 $3.00 $3.03 $3.06 $3.07 $3.08 $3.09 $3.10 $3.10 $3.11
40 2.97 3.03 3.08 3.13 3.17 3.20 3.22 3.23 3.24 3.25 3.25
45 3.00 3.08 3.16 3.23 3.29 3.34 3.38 3.41 3.42 3.44 3.44
50 3.03 3.13 3.23 3.33 3.43 3.51 3.57 3.62 3.65 3.67 3.68
55 3.06 3.17 3.29 3.43 3.56 3.68 3.79 3.87 3.93 3.96 3.99
60 3.07 3.20 3.34 3.51 3.68 3.86 4.03 4.16 4.27 4.34 4.38
65 3.08 3.22 3.38 3.57 3.79 4.03 4.27 4.49 4.68 4.81 4.89
70 3.09 3.23 3.41 3.62 3.87 4.16 4.49 4.83 5.14 5.38 5.54
75 3.10 3.24 3.42 3.65 3.93 4.27 4.68 5.14 5.61 6.02 6.30
80 3.10 3.25 3.44 3.67 3.96 4.34 4.81 5.38 6.02 6.63 7.10
85&over 3.12 3.25 3.44 3.68 3.99 4.38 4.89 5.54 6.30 7.10 7.76
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Figures for intermediate ages will be furnished upon request.
For the Life Insurance Company of Virginia,
President