We are filing the above-referenced forms for your approval. The forms are filed for general use in accordance with the applicable laws of your jurisdiction. The forms will be laser printed, subject only to minor variations in color, paper stock, duplexing, fonts, and positioning. These are new forms and do not replace any presently-approved forms. The forms will be effective on the date of approval and will be marketed to the general public and will be used with state-approved individual life policies. No part of this filing contains any unusual or controversial items that deviate from normal Company or industry standards.