Surrender value per $1,000 of insurance
	Age at issue	5th year	10th year	20th year	30th year
Male nonsmoker/preferred	25 35 45	85.73 134.13 199.58	155.11 236.92 342.64	282.61 406.64 531.67	406.64 531.67 629.28
Male smoker/regular	25 35 45	114.43 180.05 270.09	196.45 301.46 440.02	320.29 460.86 602.56	460.86 602.56 713.18
Female nonsmoker/preferred	25 35 45	84.09 124.26 182.14	145.59 216.40 310.45	244.93 352.42 460.78	352.42 460.78 556.01
Female smoker/regular	25 35 45	89.79 140.44 208.57	157.22 239.69 343.94	292.03 420.20 549.40	420.20 549.40 650.26

Summary of surrender values - 10 years (5 to 49 units)

	Surrender value per $1,000 of insurance
	Age at issue	5th year	10th year	20th year	30th year
Male nonsmoker/preferred	25 35 45	63.94   98.15 142.67	151.94 231.38 333.36	282.61 406.64 531.67	406.64 531.67 629.28
Male smoker/regular	25 35 45	79.37 124.87 187.33	189.42 290.67 424.28	320.29 460.86 602.56	460.86 602.56 713.18
Female nonsmoker/preferred	25 35 45	51.85   81.59 122.39	141.76 210.71 302.28	244.93 352.42 460.78	352.42 460.78 556.01
Female smoker/regular	25 35 45	72.33 112.46 158.76	153.83 234.52 336.52	292.03 420.20 549.40	420.20 549.40 650.26

Summary of surrender values - 10 years (50 units)

	Surrender value per $1,000 of insurance
	Age at issue	5th year	10th year	20th year	30th year
Male nonsmoker/preferred	25 35 45	16.04 24.42 35.16	29.96 47.06 68.52	50.92 83.14 123.44	140.92 240.62 372.48
Male smoker/regular	25 35 45	19.86 30.32 43.86	33.94 53.32 77.66	57.70 94.22 139.90	159.72 272.70 422.16
Female nonsmoker/preferred	25 35 45	14.92 22.22 31.70	25.96 40.76 59.38	44.12 72.06 106.98	122.14 208.54 329.12
Female smoker/regular	25 35 45	17.68 26.84 38.32	30.94 48.62 70.80	52.62 85.92 127.56	145.62 248.64 384.90