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 04/12/2011 
 ANICO  Positive Underwriting Credits
 Anico Underwriting Express		  01/26/2011
 Aviva  Table Reduction Program
 Guaranteed Term Exchange
  Program		 04/07/2011
 AXA  Good Health Credit Program
 Quit Smoking Incentive		 04/07/2011
 Banner  Additional Underwriting Criteria  11/01/2010
 Genworth  360 LifeView Points 03/04/2011
 ING  Mortality Credits
 Standard to Preferred
 		 02/04/2011
 
 John Hancock   HealthStyles 04/07/2011
 LBL / Allstate NY  Super Sherlock (LBL)
 Super Sherlock (ALNY)		 03/04/2011
 MetLife  MetEdge
 Rapid eUnderwriting
 Life UW Guide		 04/07/2011
 Mutual of Omaha  Fit 12/23/2010
 Nationwide  Placement Improvement Program
 Nationwide Wellness Credits
 Permanent for Life		 04/07/2011
 Sun  Sun Power Points (page 10) 12/02/2010
 Trans  Transcend
 Transamerica Opportunity Program
 Transamerica Opportunity Program+		 04/07/2011
 WCL  LifeAdvantage
 Pro Credit Preferred		 04/01/2011
 
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