Exhibit 1.A.3(c)

                               Commission Schedule
     Agents a broker-dealer affiliated with General American Distributors, Inc.
will receive commissions based on a commission schedule and rules that vary
based on the agent's contract. Under contracts that are based on agent level
commissions, agent first-year commissions are 50% of Target Premium and 2.25% of
excess premium paid in year 1. In years 2-10, the agent commissions range from
1% to 1.75% of premium depending on the agent's contract type. In years 11 and
later there is a service fee from 1.50% to 2% of premium depending on the
agent's contract type. An additional service fee determined as a percentage of
the Policy's unloaned cash value may also be paid. The maximum percentage paid
varies by Policy year decreasing from 0.20% to 0.12% of average monthly unloaned
assets. For certain contracts there is no cash value based fee.

     In addition to commissions, General American may also pay the following
sales expenses: General Agent and agency manager compensation; agent training
allowances; deferred compensation and insurance benefits of agents, General
Agents and agency managers; advertising expenses and other expenses of
distributing the Policies. General Agents' compensation may be in part based on
the level of productivity of agents in their agencies. Agents receive less
compensation for the sale of Policies that provide a significant portion of
death benefit coverage through the use of term riders.

     Compensation of agents of unaffiliated (and in some cases, affiliated)
broker-dealers are based on gross dealer concessions payable to the
broker-dealer. Under these arrangements first year compensation ranges from 80%
to 95% of Target Premium and from 3% to 4% of excess premium paid in year 1,
depending on contract type. In years 2-10, the compensation is 2% of premium. In
years 11 and later there is a service fee from 1% to 2% of premium depending on
the contract type. An additional service fee determined as a percentage of the
Policy's unloaned cash value may also be paid. The maximum percentage paid
varies by Policy year decreasing from 0.20% to 0.10% of average monthly unloaned
assets. For certain contracts there is no cash value based fee. The
broker-dealer may also receive additional compensation, which in some cases will
vary based on the productivity of the registered representatives. General
American, General American Distributors and the broker-dealer may enter into an
agreement that compensates the broker-dealer for expenses associated with the
distribution of the policies. The compensation payable to the registered
representatives and General Agents will be determined by their agreement with
the broker-dealer. Broker-dealers receive less compensation for the sale of
Policies that provide a significant portion of death benefit coverage through
the use of term riders.

     Registered representatives of an affiliated broker-dealer who are also
agents of General American are eligible for various cash benefits, such as
bonuses, insurance benefits and financing arrangements, and non-cash
compensation programs that General American offers, such as conferences, trips,
prizes, and awards. Other payments may be made for other services that do not
directly involve the sale of the Policies. These services may include the
recruitment and training of personnel, production of promotional literature, and
similar services.