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EXHIBIT (5)(c)
ENDORSEMENT FOR UNISEX POLICIES
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This endorsement is subject to all applicable terms and provisions of the
Policy, except as modified herein.
The data and the terms on this and the following pages are part of the
Policy. Policy Schedules E and F of the Policy are displaced by Policy
Schedules E and F of this Endorsement.
Any references with respect to sex distinction in the Policy and any
attached riders are hereby deleted.
Signed for National Life Insurance Company at Montpelier, Vermont as of the Date
of Issue, by
[SIG] [SIG]
Chairman of the Board Secretary
and
Chief Executive Officer
Registrar
National Life Insurance Company
One National Life Drive * Montpelier, Vermont * (802) 229-3333
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9007(0898) Page 1
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POLICY SCHEDULE E
UNISEX COST OF INSURANCE RATES
The maximum Cost of Insurance Rates per $1,000. Current charges may be lower
than those shown.
Cost of Insurance Rate Cost of Insurance Rate
Policy Year Policy Year
1 0.136788 34 2.218325
2 0.144302 35 2.439926
3 0.152651 36 2.691502
4 0.163507 37 3.017528
5 0.175199 38 3.311004
6 0.187729 39 3.701717
7 0.202767 40 4.141887
8 0.216972 41 4.622617
9 0.234524 42 5.138418
10 0.251243 43 5.685486
11 0.272147 44 6.258138
12 0.293057 45 6.874218
13 0.315647 46 7.558627
14 0.341591 47 8.331702
15 0.368381 48 9.217647
16 0.397693 49 10.234538
17 0.432882 50 11.363299
18 0.472280 51 12.593941
19 0.517570 52 13.895173
20 0.569603 53 15.280370
21 0.625872 54 16.721589
22 0.687227 55 18.243607
23 0.753679 56 19.868935
24 0.824401 57 21.634244
25 0.901089 58 23.597950
26 0.989670 59 25.877447
27 1.087651 60 28.874798
28 1.200990 61 33.281820
29 1.333147 62 40.776215
30 1.482521 63 55.616018
31 1.646657 64 93.366108
32 1.824794
33 2.015320
National Life Insurance Company
One National Life Drive * Montpelier, Vermont * (802) 229-3333
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9007(0898) Page 2
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POLICY SCHEDULE F
TABLE OF DEATH BENEFIT FACTORS
Policy Year Death Benefit Factor Policy Year Death Benefit Factor
1 4.386154 34 1.614851
2 4.240451 35 1.577550
3 4.099797 36 1.541904
4 3.964064 37 1.507912
5 3.833336 38 1.475929
6 3.707427 39 1.445325
7 3.586148 40 1.416538
8 3.469489 41 1.389551
9 3.357070 42 1.364260
10 3.248937 43 1.340517
11 3.144733 44 1.318151
12 3.044532 45 1.296957
13 2.948053 46 1.276814
14 2.855152 47 1.257691
15 2.765783 48 1.239601
16 2.679731 49 1.222606
17 2.596883 50 1.206785
18 2.517275 51 1.192124
19 2.440824 52 1.178558
20 2.367496 53 1.165932
21 2.297257 54 1.154112
22 2.229955 55 1.142883
23 2.165461 56 1.132047
24 2.103639 57 1.121395
25 2.044324 58 1.110688
26 1.987396 59 1.099646
27 1.932859 60 1.087938
28 1.880629 61 1.075379
29 1.830719 62 1.061902
30 1.783161 63 1.047720
31 1.737914 64 1.033356
32 1.694872 65 1.019739
33 1.653905
National Life Insurance Company
One National Life Drive * Montpelier, Vermont * (802) 229-3333
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9007(0898) Page 3