Form N-6 - United States Securities And Exchange Commission (Page 11 of 29) in pdf

The next item shows the minimum and maximum total operating expenses charged by the portfolio companies that you may pay

periodically during the time that you own the contract. More detail concerning each [Portfolio Company’s] fees and expenses is

contained in the prospectus for each [Portfolio Company].

Total Annual [Portfolio Company] Operating Expanses

Minimum

Maximum

(expenses that are deducted from [Portfolio Company]

assets, including management fees, distribution [and/or

service] (12b-1) fees, and other expenses)

______%

Instructions.

1. General.

(a) Round all dollar figures to the nearest dollar and all percentages to the nearest hundredth of one percent.

(b) Include the narrative explanations in the order indicated. A Registrant may modify a narrative explanation if the explanation

contains comparable information to that shown.

(c) A Registrant may omit captions if the Registrant does not charge the fees or expenses covered by the captions. A Registrant

may modify or add captions if the captions shown do not provide an accurate description of the Registrant’s fees and

expenses.

(d) If a Registrant uses one prospectus to offer a Contract in both the group and individual variable life markets, the Registrant

may include narrative disclosure in a footnote or following the tables identifying markets where certain fees are either

inapplicable or waived or lower fees are charged. In the alternative, a Registrant may present the information for group

and individual contracts in another format consistent with General Instruction C.3.(c).

(e) The “When Charge is Deducted” column must be used to show when a charge is deducted, e.g., upon purchase, surrender

or partial surrender, policy anniversary, monthly, or daily.

(f) Under the “Amount Deducted” column, the Registrant must disclose the maximum guaranteed charge unless a specific

instruction directs otherwise. The Registrant should include the basis on which the charge is imposed (e.g., 0.95% of

average daily net assets, $5 per exchange, $5 per thousand dollars of face amount). The Registrant may disclose the current

charge, in addition to the maximum charge, if the disclosure of the current charge is no more prominent than, and does not

obscure or impede understanding of, the disclosure of the maximum charge. In addition, the Registrant may include in a

footnote to the table a tabular, narrative, or other presentation providing further detail regarding variations in the charge. For

example, if deferred sales charges decline over time, the Registrant may include in a footnote a presentation regarding the

scheduled reductions in the deferred sales charges. Charges assessed on the basis of the face amount should be disclosed

as the charge per $1000 of face amount.

2. Transaction Fees.

(a) “Other Surrender Fees” include any fees charged for surrender or partial surrender, other than sales charges imposed upon

surrender or partial surrender.

(b) “Transfer Fees” include any fees charged for any transfer or exchange of cash value from the Registrant to another investment

company, from one sub-account of the Registrant to another sub-account or the Depositor’s general account, or from

the Depositor’s general account to the Registrant.

(c) If the Registrant (or any other party pursuant to an agreement with the Registrant) charges any other transaction fee, add

another caption describing it and complete the other columns of the table for that fee.

3. Periodic Charges Other Than [Portfolio Company] Operating Expenses.

(a) The Registrant may substitute the term used in the prospectus to refer to the Portfolio Companies for the bracketed portion

of the caption provided.

(b) For “Cost of Insurance” and any other charges that depend on Contractowner characteristics, such as age or rating classification,

the Registrant should disclose the minimum and maximum charges that may be imposed for a Contract, and the charges

Form N-6 - United States Securities And Exchange Commission Page 11

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