Exhibit 1.A.(10) - ---------------------------------------------------------------------------------------------- Application To Policy Number ----------------------------------- NEW ENGLAND LIFE INSURANCE COMPANY Questions below pertain to the Proposed Insured unless otherwise indicated. Part I - ---------------------------------------------------------------------------------------------- Personal 1. Print Name as it is to appear on the 2. Social Security Number policy. ------------------------------------- -------------------------------- Data -------------------------------- ------------------------------------- First MI Last ------------------- 3. Birthplace 4. Marital [_] Single [_] Married ------------------- Status [_] Widowed [_] Divorced (state/county) [_] Separated ------------------- ----- 5. Birth Date 6. Age Nearest 7. Sex [_] Female ------------------- Birthday ----- [_] Male month day year - ---------------------------------------------------------------------------------------------- ------------------------------------------------------------------ Address 8.a. Residence ------------------------------------------------------------------ Street City State Zip ------------------------------------------------------------------ b. Business ------------------------------------------------------------------ Company/Street City State Zip c. Premium [_] Proposed Insured [_] Other (Give name and address.) -------------------------------------------- Notice [_] a. Residence Address [_] b. Business Street City/State/Zip -------------------------------------------- - ---------------------------------------------------------------------------------------------- Beneficiary 9. Beneficiary 10. Owner [_] Proposed [_] Other and Owner Primary Insured ---------------------------- If other, specify below. (Use a numbered sequence to designate successive owners.) ---------------------------- Names and Relation to Proposed ------------------------------------------ Insured Secondary ---------------------------- ------------------------------------------ Names and Relation to Proposed Insured First Owner's Social Security ---------------------------- or Taxpayer ID Number Names and Relation to Proposed ------------------------------------------- Insured ------------------------------------------ - ---------------------------------------------------------------------------------------------- Part I Application Continued - -------------------------------------------------------------------------------------------- ------------------------ ------------------------ Plan/Amount 11. Plan 12. Face Amount $ ------------------------ ------------------------ ------------------------------------------------------------------------------- 13. [_] Universal Life Product* a. Planned Annual Premium c. Death Benefit Option --------------------- [_] Option 1 (Face Amount) Year 1 $ --------------------- [_] Option 2 (Face Amount plus Cash Value) --------------------- Renewal $ --------------------- b. [_] Waiver of Monthly Deductions - -------------------------------------------------------------------------------------------- 14. [_] Variable Life Product* (Complete Variable Life Section (questions 35 through 39) for scheduled premium, allocations, etc.) ------------------------------------------------------------------------------- * COST OF INSURANCE RATES MAY CHANGE. The cost of insurance rates for the policy may change. The rates currently being charged are not guaranteed; and the Company may charge the full maximum guaranteed rates. - -------------------------------------------------------------------------------------------- Benefits/ 15. Waiver of Premiums Benefits Riders a. [_] Waiver of Premium - c. [_] Applicant's Waiver** - (**Complete Proposed Insured Juvenile Insured additional [_] Death or Disability form.) b. [_] Applicant's Waiver** - [_] Death Only Adult Insured ------------------------------------------------------------------------------- --------------- 16. a. [_] Acc. $ f. [_] Paid-Up Additions Death --------------- ------------- [_] Lump Sum $ At Issue ------------- --------------- b. [_] Level $ Term --------------- [_] Annual --------------- c. [_] Purchase $ Option --------------- ------------- At Issue $ ------------- ------------- d. [_] Children's Insurance Rider** Thereafter $ ------------- --------------- $ --------------- g. [_] 1 Year Term (dividends) e. [_] Additional Protection (FTR) First Year Total Coverage ------------- (FTR Amount plus h. [_] Spouse $ Amount shown in 12.) Rider** ------------- --------------- ------------------- $ i. [_] Other --------------- ------------------- [_] Level [_] Increasing Increase ------- Percentage % ------- ------- Number of Years ------- [_] Offset Amount (for list billed policies only) --------------- $ --------------- - -------------------------------------------------------------------------------------------- Part I Application Continued - ------------------------------------------------------------------------------------------------------------------------------- Health 17. Any treatment for or consultation with a physician [_] YES [_] NO concerning a heart attack, a stroke or cancer (other than skin cancer) within past 2 years? (If YES, explain in REMARKS.) 18. Any change in health or any treatment by or [_] YES [_] NO consultation with a physician since the date of Part II of this Application? (If YES, explain in REMARKS.) - ------------------------------------------------------------------------------------------------------------------------------- Premium 19. [_] Annual [_] Semi Annual [_] Quarterly Payment (*Complete ----------------- ---------------- additional [_] MSA No. [_] List Bill No. form.) ----------------- ---------------- [_] New Account* [_] Level Billing Option* (For graded premium life plans only.) [_] Add to Existing Account ---------------- Amount $ ---------------- ------------------- 20. Prepayment* $ [_] None ------------------- (If question 17. or 18. is answered YES, no prepayment is permitted.) 21. [_] Automatic Payment of Premium in Default (if available) From Dividend Accumulations [_] YES [_] NO By Policy Loan [_] YES [_] NO - ------------------------------------------------------------------------------------------------------------------------------- Dividend 22. a. [_] Cash b. [_] Premium Reduction c. [_] Paid-Up Additions Option d. [_] Accumulations e. [_] Add to Cash Value (Universal Life Only) 23. If available under policy applied for, state year in which: dividend option is to be changed to Premium Reduction; and any remainder of the premium is to be paid with surrendered Paid-Up Additions or Accumulations. ---------------- ---------------- - ------------------------------------------------------------------------------------------------------------------------------- Policy 24. If available, special Policy Date requested is: Date ----------------- [_] a. or [_] b. latest date that retains Proposed ----------------- Insured's age last birthday. mo day yr Note: Date more than 30 days prior to date of application not allowed if Paid-Up Additions Riders, Variable Life or Universal Life applied for. - ------------------------------------------------------------------------------------------------------------------------------- Existing 25. Life Insurance In Force (If none, so state. Type - P = Personal, B = Business, G = Group) Insurance Yr of Company Type Issue Life Amount ADB Amount ------------------------------------------------------------------------------------------------------------ $ $ ------------------------------------------------------------------------------------------------------------ $ $ ------------------------------------------------------------------------------------------------------------ $ $ ------------------------------------------------------------------------------------------------------------ $ $ ------------------------------------------------------------------------------------------------------------ 26. If Juvenile Insured, state relation to and amount of life insurance in force or applied for on person responsible for support of Proposed Insured. Relation to Proposed Insured Amount of Insurance ---------------------------- ------------------- - ------------------------------------------------------------------------------------------------------------------------------- Part I Application Continued - -------------------------------------------------------------------------------------------- Existing 27. Any life Insurance or annuity in this or any other [_] YES [_] NO Insurance company which has been or will be replaced as a (Cont'd) result of this Application for insurance? (If YES, complete the following and submit replacement forms if required.) 1035 Company Exch. Policy Date Policy Number Amount ------------------------------------------------------------------------- $ ------------------------------------------------------------------------- $ ------------------------------------------------------------------------- $ ------------------------------------------------------------------------- 28. Has life or disability insurance on your life ever [_] YES [_] NO been declined, postponed or modified as to plan, amount or rate? (If YES, give details in REMARKS.) - -------------------------------------------------------------------------------------------- Smoking/ 29. Has Proposed Insured: Driving a. Used any tobacco in the past year? [_] YES [_] NO If YES, complete the following: --------------------- How many cigarettes per day? --------------------- If other than cigarettes, please explain. --------------------------------------------------------------- --------------------------------------------------------------- b. Been convicted in the past 2 years of: driving [_] YES [_] NO under the influence of alcohol or drugs; or 2 or more moving violations? (If YES, complete supplemental form.) ------------------------ --------------- 30. a. Drivers License No. b. State ------------------------ --------------- - -------------------------------------------------------------------------------------------- Avocation/ 31. Have you in the past 2 years participated in, or do Aviation/ you intend to participate in: any flights as a trainee, Foreign pilot or crew member; underwater sports (SCUBA diving, Travel skin diving, snorkeling, hardhat); sky sports (sky diving, hang gliding, parachuting, ballooning); or motor racing (auto, motorcycle, motorboat)? [_] YES [_] NO (If YES, complete supplemental form.) 32. Do you intend to travel or reside outside of the [_] YES [_] NO United States? (If YES, give details in REMARKS.) - -------------------------------------------------------------------------------------------- Occupation (If Juvenile Insured, complete with Payor data.) And ---------------------------------------------------------- Financial 33. a. Occupation ---------------------------------------------------------- (Give Job Title and Duties) ---------------------------------------------------------- b. Employed by ---------------------------------------------------------- -------------------- ------------------------- 34. a. Annual b. Net Income Worth -------------------- ------------------------- - -------------------------------------------------------------------------------------------- Remarks/ (Attach additional sheet, if necessary.) Special Requests for additional coverage - -------------------------------------------------------------------------------------------- Part I Application Continued - -------------------------------------------------------------------------------- Variable 35. If available under policy applied for, state Planned Annual Life Unscheduled Payment. Section --------------------- $ --------------------- 36. Death Benefit Option (if available under policy applied for): (See Prospectus for further explanation.) [_] Option 1 (Face Amount) [_] Option 2 (Face Amount plus any Excess Cash Value) 37. If available under policy applied for, is the Special Premium Option elected for premiums in default? [_] YES [_] NO 38. Account allocations (Whole %) (Minimum 10% in each selected account)* ----------------------- % Capital Growth ----------------------- ----------------------- % Money Market ----------------------- ----------------------- % Bond Income ----------------------- ----------------------- % Stock Index ----------------------- ----------------------- % Managed ----------------------- ----------------------- % Fixed Account ----------------------- ----------------------- % ----------------------- ----------------------- 100% Total ----------------------- 39. Suitability Statement by Applicant a. Did you receive the prospectus? [_] YES [_] NO (If YES, give date of prospectus.) -------------------- -------------------- b. Do you understand that: - the Option 2 death benefit may increase or [_] YES [_] NO decrease depending on the policy's investment return, but will never be less than the guaranteed minimum? - the cash value may increase or decrease [_] YES [_] NO depending on the policy's investment return? c. Do you believe that this policy will meet your [_] YES [_] NO insurance needs and financial objectives? * The Cash Value will be allocated to the Money Market account, for an initial period described on page 1 of the prospectus. THE DEATH BENEFIT MAY BE VARIABLE OR FIXED UNDER SPECIFIED CONDITIONS. THE CASH VALUE MAY INCREASE OR DECREASE IN ACCORDANCE WITH SEPARATE INVESTMENT ACCOUNT EXPERIENCE - -------------------------------------------------------------------------------- Part II Application (Complete only if medical or paramedical exam is not required.) - -------------------------------------------------------------------------------------------- Family 40. a. Age b. Mother Age Father -------------------------- ------------------------- if living at death if living at death -------------------------- ------------------------- -------------------------- ------------------------- - ------------------------------------------------------------------------------------------------- -------------------------- Medical 41. a. Height ft. in. c. Any weight change -------------------------- in the past year? [_] YES [_] NO Data ------------- ---------- b. Weight lbs. If YES: lbs. [_] Gain [_] Loss ------------- ---------- - ------------------------------------------------------------------------------------------------- Give details for each YES answer to questions 42 through YES NO 46 in question 47. 42. Have you ever been treated for or had any known indication of: frequent fatigue; frequent loss of appetite; frequent night sweats; chronic diarrhea; enlarged lymph nodes; unexplained infections; or unusual skin lesions? [_] [_] 43. Have you ever: a. Received treatment, advice or counseling from a physician, other practitioner or an organization for an alcohol problem? [_] [_] b. Used cocaine or other drugs except as prescribed by a physician or licensed practitioner? [_] [_] 44. Have you ever been treated for, or been diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)? [_] [_] 45. Have you ever been treated for or diagnosed as having: a. Cancer; tumor; or diabetes? [_] [_] b. High blood pressure; stroke; or disease of heart, blood or circulatory system? [_] [_] c. Any mental or nervous disorder; epilepsy; any muscular or skeletal disorder; or any paralysis or deformity? [_] [_] d. Disease or disorder of: kidneys; lungs; stomach; liver; digestive system; or urinary system? [_] [_] 46. Other than above, have you within the past 5 years: had a [_] [_] check up or consultation; been a patient in a medical facility; or been advised to have any diagnostic test, hospitalization or surgery? - -------------------------------------------------------------------------------------------- 47. Give details to each YES answer to questions 42 through 46. (Attach additional sheet, if necessary.) ------------------------------------------------------------------------------ Detail and severity of condition. Ques. # Onset Recov Number of attacks. Specific Physician/Health Letter Mo/Yr Mo/Yr. diagnosis, medication/treatment. Facility address ------------------------------------------------------------------------------ Illness ----------------------------------- Treatment ------------------------------------------------------------------------------ Illness ----------------------------------- Treatment ------------------------------------------------------------------------------ Illness ----------------------------------- Treatment ------------------------------------------------------------------------------ Illness ----------------------------------- Treatment ------------------------------------------------------------------------------ - -------------------------------------------------------------------------------------------- Application Continued - -------------------------------------------------------------------------------- Company Use (Additions and Amendments) - -------------------------------------------------------------------------------- Declarations General. To the best of my knowledge and belief the answers recorded are true and complete. In those states where written consent is required by law, my agreement in writing is required to any entry made by the Company in the "Company Use" section as to: (a) age; or (b) plan of insurance; or (c) riders; or (d) amounts; or (e) rate class. When Insurance Takes Effect. If a prepayment is made in connection with this Application, the insurance will take effect as stated in the Prepayment Receipt and Temporary Insurance Agreement. Otherwise, the insurance will take effect only when the first premium is paid; provided that at the time of such payment: (a) this Application has been approved by the Company at 501 Boylston Street, Boston, MA; and (b) there has been no change in insurability as represented in this Application since the date of the Application. Limitation on Authority of Agents and Examiners. Agents and Examiners do not have authority: (a) to determine insurability; (b) to change any terms of this Application; or (c) to make a contract for the Company. - -------------------------------------------------------------------------------- Authorization In order that insurance can be issued, I authorize each of the following having records or knowledge of me or my health to give this information to the Company: a medical practitioner; a medical facility; an insurance company; the Medical Information Bureau; a consumer reporting bureau; and any other company, concern or person. If insurance on any minor child is applied for this authorization extends to records and knowledge of that child and the child's health. Information received by the Company may be disclosed to third parties in the conduct of the Company's business. I understand that: I have a right of access to and correction of all information obtained by the Company; I can ask to be interviewed with respect to any investigative consumer report; and I can ask for a copy of any such report. A photocopy of this authorization is as valid as the original. This authorization is valid for 30 months from the date it is signed. I have received a Notice of Information Practices; this Notice gives a more detailed description of the information practices of the Company. - -------------------------------------------------------------------------------- ------------------------- ------------------------ Signatures Signed at Date ------------------------- ------------------------ city state month day year -------------------------------------------------------- Proposed Insured -------------------------------------------------------- ----------------------------------------------- Applicant if Other than Proposed Insured ----------------------------------------------- ----------------------------------------------- Agent ----------------------------------------------- - -------------------------------------------------------------------------------- ----------------------------- Owner's Owner's Social Security or Taxpayer Identification Number: ----------------------------- Certification (in lieu [_] I am [_] I am not subject to backup withholding under of W9) Section 3406(a)(l)(c) of the Internal Revenue Code. Under penalties of perjury, I certify that the information in this section is true, correct and complete. -------------------------- ----------------------- Signature Date of Owner -------------------------- ----------------------- month day year - -------------------------------------------------------------------------------- Agent Certificate (Completion required in every case.) - ----------------------------------------------------------------------------------------------------------- Questions 1. Did you see the Proposed Insured on the date the [_] YES [_] NO application was signed? If NO, explain in REMARKS. 2. Is the Proposed Insured a citizen of the USA? ---------------- ----------------------------- If NO, specify: Date of entry Type of visa ---------------- ----------------------------- mo day yr 3. If Proposed Insured's name has been changed in the past 10 years, give former name(s). ---------------------------------------------------------------------------------------- ---------------------------------------------------------------------------------------- 4. Provide phone number where Proposed Insured can be contacted. -------------- Preferred calling time AM PM ------ ------ 5. If Proposed Insured is a juvenile (ages 0 through 14); a. Give name and relation of person responsible for support. ---------------------------------------------------------------------- ---------------------------------------------------------------------------------------- b. Give Life Insurance in force on above person's life. --------------------------- c. Are there any other children insured for less than this child? [_] YES [_] NO If YES, provide details in REMARKS. 6. Has a nonmedical been submitted based on expanded nonmedical limit? [_] YES [_] NO If YES: ------------- ---------------------------------------- Date of Physician's Who completed Exam detailed in APS the exam? ------------- --------------------------------------- mo day year Physician's name and address 7. Do you have knowledge or reason to believe that any insurance or annuity in this or any other company has been or will be replaced as a result of this Application for insurance? [_] YES [_] NO 8. Is this Business Insurance? [_] YES [_] NO If YES, complete the following: a. Describe purpose of insurance. [_] Key Employee [_] Buy-Sell [_] Deferred Compensation [_] Salary Continuation [_] Split Dollar [_] Section 162 Bonus [_] Other (Describe in REMARKS.) b. Are other key individuals insured or being insured for similar amounts? [_] YES [_] NO If NO, state why not. ------------------ c. What percentage of business does the applicant own or control? % ------------------ Give names and amount of business coverage in force and/or applied for for all key associates, plus the percentage of ownership in each: Name Amount % Name Amount % ---------------------------------------------------------------------------------------- $ $ ---------------------------------------------------------------------------------------- $ $ ---------------------------------------------------------------------------------------- - ----------------------------------------------------------------------------------------------------------- Agent Certificate Continued (Completion required in every case.) - -------------------------------------------------------------------------------------------- ---------- d. Year Business was established. ---------- e. For the Business, provide approximate amount of: Assets Liabilities Net Worth Net Income ------------------------------------------------------------------------- $ $ $ $ ------------------------------------------------------------------------- 9. If Paid Up Additions Rider or FTR was requested, submit copy of Illustration to the home office with Application. 10. State Source of Funds if $10,000 or greater. - -------------------------------------------------------------------------------------------- Complete questions 11 and 12 for Variable Life Only: 11. Is policyowner associated with a member firm of the NASD? (If YES, give name and address of firm.) ----------- 12. Tax Bracket (%) ----------- - -------------------------------------------------------------------------------------------- Remarks - -------------------------------------------------------------------------------------------- Signature To the best of my knowledge, I have presented the Company all pertinent facts regarding the Proposed Insured and regarding this Application. ------------------------------ -------------------- Signature Date of Agent -------------------- ------------------------------ month day year - -------------------------------------------------------------------------------------------- -------------------------- General If agent of another company, give name of company. Agent -------------------------- Certificate Is agent licensed where Application is written? [_] YES [_] NO --------------------------------------- --------------------- Signature Date of General --------------------- Agent month day year --------------------------------------- - -------------------------------------------------------------------------------------------- ------------------------------------------------------------------------------ Commission Split Agent Agent Agency ----------------------- Identification Agent Name Number Number First Renewal ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ ------------------------------------------------------------------------------ - -------------------------------------------------------------------------------------------- --------------------------------------- ------------------- For Variable Accepted for Date Life Only the Company ------------------- --------------------------------------- month day year - -------------------------------------------------------------------------------------------- COMPLETE ABOVE DATA IN ALL CASES FOR PROPER CREDITING OF COMMISSIONS