| Normally, in order to qualify for the guaranteed death benefit, the policy owner must have
cumulatively paid premiums equal to a minimum amount. This amount would be the sum of month by
month GDB premiums. The monthly GDB premium is normally adjusted when coverages or coverage
options are modified after issue. GDBPrem represents the GDB premium sum for the particular
coverage or cov option. The death benefit guarantee period continues until the GDBDate and
will guarantee that the policy, coverage, coverage option stays in force regardless of the
cash value. If the GDBDate is not valued, then the length of the guarantee period must be
determined between trading partners. The current GDB premium (not cumulative) for the policy
or coverage or coverge option is MinPremAmt. |