Exhibit 11
Modified Defined Benefit Premise - Universal Life Policy
Name: Bill Davis, 50-year-old Male Preferred Non-Smoker
4.5% Constant Interest Crediting
Policy	EOY		Interest	Benchmark	Death
Year	Age	Premium	Crediting	CV	Benefit
11					1,000,000
12	62	20,906	4.50%	108,905	1,000,000
13	63	20,906	4.50%	128,460	1,000,000
14	64	20,906	4.50%	148,426	1,000,000
15	65	20,906	4.50%	168,640	1,000,000
16	66	20,906	4.50%	188,825	1,000,000
17	67	20,906	4.50%	209,035	1,000,000
18	68	20,906	4.50%	229,344	1,000,000
19	69	20,906	4.50%	249,827	1,000,000
20	70	20,906	4.50%	270,556	1,000,000
21	71	20,906	4.50%	292,287	1,000,000
22	72	20,906	4.50%	314,077	1,000,000
23	73	20,906	4.50%	335,911	1,000,000
24	74	20,906	4.50%	357,772	1,000,000
25	75	20,906	4.50%	379,624	1,000,000
26	76	20,906	4.50%	401,417	1,000,000
27	77	20,906	4.50%	423,101	1,000,000
28	78	20,906	4.50%	444,612	1,000,000
29	79	20,906	4.50%	465,876	1,000,000
30	80	20,906	4.50%	486,835	1,000,000
31	81	20,906	4.50%	507,437	1,000,000
32	82	20,906	4.50%	527,636	1,000,000
33	83	20,906	4.50%	547,646	1,000,000
34	84	20,906	4.50%	567,527	1,000,000
35	85	20,906	4.50%	587,371	1,000,000
36	86	20,906	4.50%	607,153	1,000,000
37	87	20,906	4.50%	626,904	1,000,000
38	88	20,906	4.50%	646,679	1,000,000
39	89	20,906	4.50%	666,581	1,000,000
40	90	20,906	4.50%	686,808	1,000,000
41	91	20,906	4.50%	707,574	1,000,000
42	92	20,906	4.50%	728,911	1,000,000
43	93	20,906	4.50%	751,332	1,000,000
44	94	20,906	4.50%	775,254	1,000,000
45	95	20,906	4.50%	801,247	1,000,000
46	96	20,906	4.50%	830,096	1,000,000
47	97	20,906	4.50%	862,783	1,000,000
48	98	20,906	4.50%	900,663	1,000,000
49	99	20,906	4.50%	945,509	1,000,000
50	100	20,906	4.50%	999,704	1,000,000
11/19/01