Exhibit 1
1991 Universal Life Point-of-Sale Illustration
Name: Bill Davis, 50-year-old Male Preferred Non-Smoker
8.5% Constant Interest Crediting
Policy	EOY			Cash	Death
Year	Age	Premium	Interest	Value	Benefit
0				0	1,000,000
1	51	9,382	8.50%	8,015	1,000,000
2	52	9,382	8.50%	16,170	1,000,000
3	53	9,382	8.50%	24,482	1,000,000
4	54	9,382	8.50%	32,995	1,000,000
5	55	9,382	8.50%	41,726	1,000,000
6	56	9,382	8.50%	50,780	1,000,000
7	57	9,382	8.50%	60,149	1,000,000
8	58	9,382	8.50%	70,241	1,000,000
9	59	9,382	8.50%	81,041	1,000,000
10	60	9,382	8.50%	92,532	1,000,000
11	61	9,382	8.50%	104,491	1,000,000
12	62	9,382	8.50%	116,949	1,000,000
13	63	9,382	8.50%	129,941	1,000,000
14	64	9,382	8.50%	143,517	1,000,000
15	65	9,382	8.50%	157,535	1,000,000
16	66	9,382	8.50%	171,731	1,000,000
17	67	9,382	8.50%	186,161	1,000,000
18	68	9,382	8.50%	200,903	1,000,000
19	69	9,382	8.50%	216,044	1,000,000
20	70	9,382	8.50%	231,671	1,000,000
21	71	9,382	8.50%	248,595	1,000,000
22	72	9,382	8.50%	265,881	1,000,000
23	73	9,382	8.50%	283,520	1,000,000
24	74	9,382	8.50%	301,505	1,000,000
25	75	9,382	8.50%	319,809	1,000,000
26	76	9,382	8.50%	338,382	1,000,000
27	77	9,382	8.50%	357,178	1,000,000
28	78	9,382	8.50%	376,128	1,000,000
29	79	9,382	8.50%	395,150	1,000,000
30	80	9,382	8.50%	414,172	1,000,000
31	81	9,382	8.50%	433,125	1,000,000
32	82	9,382	8.50%	451,944	1,000,000
33	83	9,382	8.50%	470,859	1,000,000
34	84	9,382	8.50%	489,934	1,000,000
35	85	9,382	8.50%	509,275	1,000,000
36	86	9,382	8.50%	528,854	1,000,000
37	87	9,382	8.50%	548,704	1,000,000
38	88	9,382	8.50%	568,895	1,000,000
39	89	9,382	8.50%	589,550	1,000,000
40	90	9,382	8.50%	610,921	1,000,000
41	91	9,382	8.50%	633,291	1,000,000
42	92	9,382	8.50%	656,733	1,000,000
43	93	9,382	8.50%	681,926	1,000,000
44	94	9,382	8.50%	709,478	1,000,000
45	95	9,382	8.50%	740,226	1,000,000
46	96	9,382	8.50%	775,350	1,000,000
47	97	9,382	8.50%	816,378	1,000,000
48	98	9,382	8.50%	865,449	1,000,000
49	99	9,382	8.50%	925,446	1,000,000
50	100	9,382	8.50%	1,000,333	1,000,333
11/19/01