Exhibit 1.A(3)(c)

                              Commission Schedule



     The following commissions will be paid with respect to sales of the
Policies.

     The selling agent may select one of three alternative schedules for payment
by NELICO of commissions and/or service fees for sales of a Policy: (1) a
maximum of 12.5% of the Target Premium (plus any additional portion of a premium
which NELICO attributes to certain riders for commission paying purposes) paid
in the first Policy year, a maximum of 6% in Policy years two through ten, and a
maximum of 2% thereafter; with a maximum commission of .67% of each payment in
excess of the Target Premium (plus any additional portion of a premium which
NELICO attributes to certain riders for commission paying purposes) in any year;
(2) a maximum of 12.5% of the Target Premium (plus any additional portion of a
premium which NELICO attributes to certain riders for commission paying
purposes) paid in the first Policy year, and, after the first Policy year, a
maximum of 2% of the Target Premium (plus any additional portion of a premium
which NELICO attributes to certain riders for commission paying purposes) paid
in each Policy year plus a maximum of .175% of the Policy's cash value; with a
maximum commission of .67% of each payment in excess of the Target Premium (plus
any additional portion of a premium which NELICO attributes to certain riders
for commission paying purposes) in any year; or (3) a maximum commission of
12.5% of the Target Premium (plus any additional portion of a premium which
NELICO attributes to certain riders for commission paying purposes) paid in the
first Policy year, plus a maximum of .26% of the Policy's cash value after the
first Policy year; with a maximum commission of .67% of each payment in excess
of the Target Premium (plus any additional portion of a premium which NELICO
attributes to certain riders for commission paying purposes) in any year.  For
Policies sold to certain cases the maximum 12.5% first year commission may be
paid in installments over a period of years rather than all in the first Policy
year.  Agents who meet certain productivity and persistency standards in selling
policies issued by NELICO may be eligible for additional compensation.  Non-cash
forms of compensation may also be paid in compliance with applicable law.  Sales
expenses in any year are not equal to the deduction for sales charges in that
year.

     New England Securities may enter into selling agreements with other broker-
dealers registered under the Securities Exchange Act of 1934 whose
representatives are authorized by applicable law to sell variable life insurance
policies.  Under the agreements with those broker-dealers, the commission paid
to the broker-dealer on behalf of the registered representative will not exceed
the following, depending upon the compensation schedule elected by the selling
agent: (1) 12.5% of the Target Premium (plus any additional portion of a premium
which NELICO attributes to certain riders for 

 
commission paying purposes) in the first Policy year, 6% in Policy years two
through ten, and a maximum of 2% thereafter, and .67% of all payments in excess
of the Target Premium (plus any additional portion of a premium which NELICO
attributes to certain riders for commission paying purposes) in any year; (2) a
maximum of 12.5% of the Target Premium (plus any additional portion of a premium
which NELICO attributes to certain riders for commission paying purposes) paid
in the first Policy year, and, after the first Policy year, a maximum of 2% of
the Target Premium (plus any additional portion of a premium which NELICO
attributes to certain riders for commission paying purposes) paid in each Policy
year plus a maximum of .175% of the Policy's cash value; with a maximum
commission of .67% of each payment in excess of the Target Premium (plus any
additional portion of a premium which NELICO attributes to certain riders for
commission paying purposes) in any year; or (3) a maximum commission of 12.5% of
the Target Premium (plus any additional portion of a premium which NELICO
attributes to certain riders for commission paying purposes) paid in the first
Policy year, plus a maximum of .26% of the Policy's cash value after the first
Policy year; with a maximum commission of .67% of each payment in excess of the
Target Premium (plus any additional portion of a premium which NELICO attributes
to certain riders for commission paying purposes) in any year. NELICO may pay
certain broker-dealers an additional bonus after the first Policy year on behalf
of certain registered representatives, the maximum amount of which may equal up
to the amount of the basic commission for the particular Policy year.
Commissions will be paid through the registered broker-dealer, which may also be
reimbursed for portions of expenses incurred in connection with the sale of the
Policies or paid additional compensation.

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