Exhibit 13
Defined Contribution Policy Design - Variable Universal Life Policy
Name: Bill Davis, 61-year-old Male Preferred Non-Smoker
Historic Equity Yield Fluctuations (1973 - 1992)
Adjusted to Average 10.5% Net Yield (net fund management expenses)
Policy	EOY		Net	Cash	Death
Year	Age	Premium	Yield	Value	Benefit
				89,733	426,314
1	62	9,382	-17.05%	79,060	426,314
2	63	9,382	-28.85%	59,536	426,314
3	64	9,382	34.85%	89,277	426,314
4	65	9,382	21.45%	115,883	426,314
5	66	9,382	-9.55%	109,013	426,314
6	67	9,382	4.25%	118,692	426,314
7	68	9,382	16.05%	143,543	426,314
8	69	9,382	30.05%	193,587	426,314
9	70	9,382	-7.25%	183,051	426,314
10	71	9,382	19.05%	223,708	426,314
11	72	9,382	20.15%	274,703	426,314
12	73	9,382	3.95%	290,242	426,314
13	74	9,382	29.85%	383,934	426,314
14	75	9,382	16.15%	453,059	475,712
15	76	9,382	2.85%	471,786	495,375
16	77	9,382	14.45%	546,656	573,988
17	78	9,382	29.15%	713,349	749,017
18	79	9,382	-5.55%	676,225	749,017
19	80	9,382	28.15%	870,869	914,412
20	81	9,382	5.35%	919,201	965,161
21	82	9,382	-17.05%	761,477	965,161
22	83	9,382	-28.85%	532,163	965,161
23	84	9,382	34.85%	701,292	965,161
24	85	9,382	21.45%	841,577	965,161
25	86	9,382	-9.55%	755,423	965,161
26	87	9,382	4.25%	776,570	965,161
27	88	9,382	16.05%	891,657	965,161
28	89	9,382	30.05%	1,159,409	1,217,379
29	90	9,382	-7.25%	1,070,680	1,217,379
30	91	9,382	19.05%	1,263,689	1,314,237
31	92	9,382	20.15%	1,515,493	1,560,958
32	93	9,382	3.95%	1,569,382	1,600,769
33	94	9,382	29.85%	2,035,376	2,055,729
34	95	9,382	16.15%	2,358,150	2,358,150
35	96	9,382	2.85%	2,418,621	2,418,621
36	97	9,382	14.45%	2,762,104	2,762,104
37	98	9,382	29.15%	3,560,146	3,560,146
38	99	9,382	-5.55%	3,346,304	3,560,146
39	100	9,382	28.15%	4,236,873	4,236,873
11/19/01