EXHIBIT 10
POWERS OF ATTORNEY
POWER OF ATTORNEY
WITH RESPECT TO
LEGACY BUILDER PLUS
Know all men by these presents that PATRICK S. BAIRD, whose signature appears
below, constitutes and appoints Brenda K. Clancy and Craig D. Vermie, and each
of them, his attorneys-in-fact, each with the power of substitution, for him in
any and all capacities, to sign any registration statements and amendments
thereto for the Legacy Builder Plus, and to file the same, with exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, hereby ratifying and confirming all that each of said attorneys-in-
fact, or his substitute, may do or cause to be done by virtue hereof.
/s/ PATRICK S. BAIRD
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Patrick S. Baird
Senior Vice President
PFL Life Insurance Company
July 21, 1999
Date
POWER OF ATTORNEY
WITH RESPECT TO
LEGACY BUILDER PLUS
Know all men by these presents that CRAIG D. VERMIE, whose signature appears
below, constitutes and appoints Brenda K. Clancy and Craig D. Vermie, and each
of them, his attorneys-in-fact, each with the power of substitution, for him in
any and all capacities, to sign any registration statements and amendments
thereto for the Legacy Builder Plus, and to file the same, with exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, hereby ratifying and confirming all that each of said attorneys-in-
fact, or his substitute, may do or cause to be done by virtue hereof.
/s/ CRAIG D. VERMIE
-------------------------------
Craig D. Vermie
Vice President
PFL Life Insurance Company
July 21, 1999
Date
POWER OF ATTORNEY
WITH RESPECT TO
LEGACY BUILDER PLUS
Know all men by these presents that WILLIAM L. BUSLER, whose signature appears
below, constitutes and appoints Brenda K. Clancy and Craig D. Vermie, and each
of them, his attorneys-in-fact, each with the power of substitution, for him in
any and all capacities, to sign any registration statements and amendments
thereto for the Legacy Builder Plus, and to file the same, with exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, hereby ratifying and confirming all that each of said attorneys-in-
fact, or his substitute, may do or cause to be done by virtue hereof.
/s/ WILLIAM L. BUSLER
---------------------------------
William L. Busler
President
PFL Life Insurance Company
July 21, 1999
Date
POWER OF ATTORNEY
WITH RESPECT TO
LEGACY BUILDER PLUS
Know all men by these presents that LARRY N. NORMAN, whose signature appears
below, constitutes and appoints Brenda K. Clancy and Craig D. Vermie, and each
of them, his attorneys-in-fact, each with the power of substitution, for him in
any and all capacities, to sign any registration statements and amendments
thereto for the Legacy Builder Plus, and to file the same, with exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, hereby ratifying and confirming all that each of said attorneys-in-
fact, or his substitute, may do or cause to be done by virtue hereof.
/s/ LARRY N. NORMAN
------------------------------
Larry N. Norman
Executive Vice President
PFL Life Insurance Company
July 21, 1999
Date
POWER OF ATTORNEY
WITH RESPECT TO
LEGACY BUILDER PLUS
Know all men by these presents that DOUGLAS C. KOLSRUD, whose signature appears
below, constitutes and appoints Brenda K. Clancy and Craig D. Vermie, and each
of them, his attorneys-in-fact, each with the power of substitution, for him in
any and all capacities, to sign any registration statements and amendments
thereto for the Legacy Builder Plus, and to file the same, with exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, hereby ratifying and confirming all that each of said attorneys-in-
fact, or his substitute, may do or cause to be done by virtue hereof.
/s/ DOUGLAS C. KOLSRUD
------------------------------
Douglas C. Kolsrud
Senior Vice President
PFL Life Insurance Company
July 21, 1999
Date
POWER OF ATTORNEY
WITH RESPECT TO
LEGACY BUILDER PLUS
Know all men by these presents that ROBERT J. KONTZ, whose signature appears
below, constitutes and appoints Brenda K. Clancy and Craig D. Vermie, and each
of them, his attorneys-in-fact, each with the power of substitution, for him in
any and all capacities, to sign any registration statements and amendments
thereto for the Legacy Builder Plus, and to file the same, with exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, hereby ratifying and confirming all that each of said attorneys-in-
fact, or his substitute, may do or cause to be done by virtue hereof.
/s/ ROBERT J. KONTZ
-----------------------------
Robert J. Kontz
Vice President
PFL Life Insurance Company
July 21, 1999
Date
POWER OF ATTORNEY
WITH RESPECT TO
LEGACY BUILDER PLUS
Know all men by these presents that BRENDA K. CLANCY, whose signature appears
below, constitutes and appoints Brenda K. Clancy and Craig D. Vermie, and each
of them, her attorneys-in-fact, each with the power of substitution, for her in
any and all capacities, to sign any registration statements and amendments
thereto for the Legacy Builder Plus, and to file the same, with exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, hereby ratifying and confirming all that each of said attorneys-in-
fact, or her substitute, may do or cause to be done by virtue hereof.
/s/ BRENDA K. CLANCY
-----------------------------
Brenda K. Clancy
Vice President
PFL Life Insurance Company
July 21, 1999
Date