Exhibit 99.1.A.(3)(c)



                              COMMISSION SCHEDULE



     NEVLICO will pay compensation to the New England Securities registered
representatives or other broker-dealers involved in the sale of a Policy.  Such
compensation will generally have a present value that does not exceed 8% of
premiums under the Policy (although a lower amount may be paid in certain
circumstances, such as sales of the Policies to a person over age 75), and such
compensation may be paid either as a percentage of premiums at the time NEVLICO
receives them, as a percentage of cash value on an ongoing basis, or in some
combination of both.