Exhibit 10
Traditional Premium management - Universal Life Policy
Name: Bill Davis, 50-year-old Male Preferred Non-Smoker
Simulated Policy Performance
Fluctuating 5.5% Average Interest Crediting
Policy	EOY		Interest	Cash	Death
Year	Age	Premium	Crediting	Value	Benefit
11				89,733	1,000,000
12	62	16,921	5.69%	106,135	1,000,000
13	63	16,921	5.94%	123,287	1,000,000
14	64	16,921	5.69%	140,628	1,000,000
15	65	16,921	5.19%	157,502	1,000,000
16	66	16,921	4.94%	173,853	1,000,000
17	67	19,825	4.69%	192,689	1,000,000
18	68	19,825	4.44%	211,053	1,000,000
19	69	19,825	4.19%	228,891	1,000,000
20	70	19,825	4.19%	246,759	1,000,000
21	71	19,825	4.44%	266,062	1,000,000
22	72	22,540	4.69%	288,860	1,000,000
23	73	22,540	4.94%	312,582	1,000,000
24	74	22,540	5.19%	337,394	1,000,000
25	75	22,540	5.69%	364,375	1,000,000
26	76	22,540	6.19%	393,929	1,000,000
27	77	12,340	6.69%	415,369	1,000,000
28	78	12,340	7.19%	439,241	1,000,000
29	79	12,340	7.69%	465,976	1,000,000
30	80	12,340	8.19%	496,147	1,000,000
31	81	12,340	9.19%	533,042	1,000,000
32	82	0	8.19%	553,488	1,000,000
33	83	0	7.19%	569,103	1,000,000
34	84	0	6.19%	578,983	1,000,000
35	85	0	5.69%	585,115	1,000,000
36	86	0	5.19%	586,831	1,000,000
37	87	17,800	4.94%	604,892	1,000,000
38	88	17,800	4.69%	621,272	1,000,000
39	89	17,800	4.19%	634,136	1,000,000
40	90	17,800	3.94%	644,617	1,000,000
41	91	17,800	3.69%	652,383	1,000,000
42	92	34,500	3.69%	677,589	1,000,000
43	93	34,500	4.19%	707,699	1,000,000
44	94	34,500	4.69%	744,108	1,000,000
45	95	34,500	5.19%	788,736	1,000,000
46	96	34,500	5.44%	842,181	1,000,000
47	97	7,200	5.69%	874,206	1,000,000
48	98	7,200	5.44%	909,656	1,000,000
49	99	7,200	5.44%	952,059	1,000,000
50	100	7,200	5.69%	1,006,215	1,006,215
11/16/01