Exhibit 3
Universal Life Policy - 2001 In-Force Illustration
Name: Bill Davis, 50-year-old Male Preferred Non-Smoker
5.75% Constant Interest Crediting
Policy	EOY			Cash	Death
Year	Age	Premium	Interest	Value	Benefit
11				89,733	1,000,000
12	62	9,382	5.75%	98,171	1,000,000
13	63	9,382	5.75%	106,457	1,000,000
14	64	9,382	5.75%	114,646	1,000,000
15	65	9,382	5.75%	122,517	1,000,000
16	66	9,382	5.75%	129,720	1,000,000
17	67	9,382	5.75%	136,228	1,000,000
18	68	9,382	5.75%	142,031	1,000,000
19	69	9,382	5.75%	147,111	1,000,000
20	70	9,382	5.75%	151,439	1,000,000
21	71	9,382	5.75%	155,770	1,000,000
22	72	9,382	5.75%	158,891	1,000,000
23	73	9,382	5.75%	160,602	1,000,000
24	74	9,382	5.75%	160,669	1,000,000
25	75	9,382	5.75%	158,796	1,000,000
26	76	9,382	5.75%	154,611	1,000,000
27	77	9,382	5.75%	147,681	1,000,000
28	78	9,382	5.75%	137,468	1,000,000
29	79	9,382	5.75%	123,318	1,000,000
30	80	9,382	5.75%	104,463	1,000,000
31	81	9,382	5.75%	79,987	1,000,000
32	82	9,382	5.75%	48,778	1,000,000
33	83	9,382	5.75%	9,992	1,000,000
34	84	9,382	5.75%	0	0
35	85	9,382	5.75%	Policy Terminates
36	86	9,382	5.75%
37	87	9,382	5.75%
38	88	9,382	5.75%
39	89	9,382	5.75%
40	90	9,382	5.75%
41	91	9,382	5.75%
42	92	9,382	5.75%
43	93	9,382	5.75%
44	94	9,382	5.75%
45	95	9,382	5.75%
46	96	9,382	5.75%
47	97	9,382	5.75%
48	98	9,382	5.75%
49	99	9,382	5.75%
50	100	9,382	5.75%
11/19/01