Chart 15
If we still give lapsers the same percentage of their share of the fund, itís a higher benefit now, because
higher premium made a higher fund.For a stretch there we will actually be paying out about the same in
lapse benefits (cash values) as in death benefits.†† A better deal for more of the customers.(If you are really
sharp, you notice that the guy that actually dies paid more and got no better benefit Ö but the guy who
lapses gets less benefit than the guy who dies.)