This document provides cost summaries for various life insurance plans in 2011, including rates for different coverage amounts, payment frequencies, and company sizes or plan types. The costs listed include annual premiums (ANN), semi-annual (SEMI), quarterly (QTR), and monthly (MO) payments for plans ranging from $20,000 to $200,000 of coverage. Some tables also include additional reimbursement amounts for outpatient care (O/P Reimbursement).

1. 5. C OSTS Your INVESTMENT in Financial Security

2. 1 Purple Cow 2011 Costs VIRGIN RATES Cost Summary (APE & O/P Reimb. extra) R&B MBL ANN SEMI QTR MO R&B MBL ANN SEMI QTR MO WARD (R+F) 20T 5,445 2,886 1,525 545 REG PVT (Top rank Small co 10-100) 60T 11,985 6,352 3,356 1,199 30T 6,176 3,273 1,729 618 70T 13,041 6,912 3,651 1,304 40T 6,795 3,601 1,903 680 80T 13,472 7,140 3,772 1,347 SEMI PVT (Spvr) 30T 6,756 3,581 1,892 676 LRG PVT (Top rank Med co 100-200) 80T 15,726 8,335 4,403 1,573 40T 7,416 3,930 2,076 742 100T 16,826 8,918 4,711 1,683 50T 8,122 4,305 2,274 812 120T 18,444 9,775 5,164 1,844 SML PVT (Mgr) 40T 8,787 4,657 2,460 879 JR SUITE (Top rank Large co 200+) 120T 26,724 14,164 7,483 2,672 50T 9,513 5,042 2,664 951 160T 30,536 16,184 8,550 3,054 60T 10,323 5,471 2,890 1,032 200T 32,813 17,391 9,188 3,281

3. 2 Purple Cow 2011 Costs VIRGIN RATES (+ Outpatient Reimbursement) Cost Summary (APE extra) R&B MBL ANN SEMI QTR MO R&B MBL ANN SEMI QTR MO WARD (R+F) 20T 6,709 3,556 1,879 671 REG PVT (Top rank Small co 10-100) 60T 14,362 7,612 4,021 1,436 30T 7,963 4,220 2,230 796 70T 15,614 8,275 4,372 1,561 40T 8,797 4,662 2,463 880 80T 16,247 8,611 4,549 1,625 SEMI PVT (Spvr) 30T 8,543 4,528 2,392 854 LRG PVT (Top rank Med co 100-200) 80T 18,501 9,806 5,180 1,850 40T 9,418 4,992 2,637 942 100T 20,020 10,611 5,606 2,002 50T 10,309 5,464 2,887 1,031 120T 22,494 11,922 6,298 2,249 SML PVT (Mgr) 40T 10,789 5,718 3,021 1,079 JR SUITE (Top rank Large co 200+) 120T 30,774 16,310 8,617 3,077 50T 11,700 6,201 3,276 1,170 160T 36,918 19,567 10,337 3,692 60T 12,700 6,731 3,556 1,270 200T 42,018 22,270 11,765 4,202

4. 3 Purple Cow 2011 Costs NON-VIRGIN RATES Cost Summary (APE & O/P Reimb. extra) R&B MBL ANN SEMI QTR MO R&B MBL ANN SEMI QTR MO WARD (R+F) 20T 5,990 3,175 1,677 599 REG PVT (Top rank Small co 10-100) 60T 13,324 7,062 3,731 1,332 30T 6,770 3,588 1,896 677 70T 14,487 7,678 4,056 1,449 40T 7,426 3,936 2,079 743 80T 14,924 7,910 4,179 1,492 SEMI PVT (Spvr) 30T 7,444 3,945 2,084 744 LRG PVT (Top rank Med co 100-200) 80T 17,540 9,296 4,911 1,754 40T 8,146 4,317 2,281 815 100T 18,691 9,906 5,233 1,869 50T 8,903 4,719 2,493 890 120T 20,444 10,835 5,724 2,044 SML PVT (Mgr) 40T 9,738 5,161 2,727 974 JR SUITE (Top rank Large co 200+) 120T 30,052 15,928 8,415 3,005 50T 10,518 5,575 2,945 1,052 160T 34,225 18,139 9,583 3,423 60T 11,395 6,039 3,191 1,140 200T 36,618 19,408 10,253 3,662

5. 4 Purple Cow 2011 Costs NON-VIRGIN RATES (+ Outpatient Reimbursement) Cost Summary (APE extra) R&B MBL ANN SEMI QTR MO R&B MBL ANN SEMI QTR MO WARD (R+F) 20T 7,101 3,764 1,988 710 REG PVT (Top rank Small co 10-100) 60T 15,414 8,169 4,316 1,541 30T 8,341 4,421 2,335 834 70T 16,749 8,877 4,690 1,675 40T 9,186 4,869 2,572 919 80T 17,364 9,203 4,862 1,736 SEMI PVT (Spvr) 30T 9,015 4,778 2,524 902 LRG PVT (Top rank Med co 100-200) 80T 19,980 10,589 5,594 1,998 40T 9,906 5,250 2,774 991 100T 21,499 11,394 6,020 2,150 50T 10,826 5,738 3,031 1,083 120T 24,004 12,722 6,721 2,400 SML PVT (Mgr) 40T 11,498 6,094 3,219 1,150 JR SUITE (Top rank Large co 200+) 120T 33,613 17,815 9,412 3,361 50T 12,441 6,594 3,483 1,244 160T 39,836 21,113 11,154 3,984 60T 13,484 7,147 3,776 1,348 200T 44,710 23,696 12,519 4,471