Exhibit 4
Replacement Variable Universal Life Illustration
Name: Bill Davis, 61-year-old Male Preferred Non-Smoker
10.5% Constant Net Yield (net fund management expenses)
Policy	EOY		Net	Cash	Death
Year	Age	Premium	Yield	Value	Benefit
				89,733	1,000,000
1	62	9,382	10.50%	102,135	1,000,000
2	63	9,382	10.50%	115,143	1,000,000
3	64	9,382	10.50%	128,888	1,000,000
4	65	9,382	10.50%	143,248	1,000,000
5	66	9,382	10.50%	157,978	1,000,000
6	67	9,382	10.50%	173,159	1,000,000
7	68	9,382	10.50%	188,898	1,000,000
8	69	9,382	10.50%	205,315	1,000,000
9	70	9,382	10.50%	222,536	1,000,000
10	71	9,382	10.50%	241,430	1,000,000
11	72	9,382	10.50%	261,108	1,000,000
12	73	9,382	10.50%	281,624	1,000,000
13	74	9,382	10.50%	303,042	1,000,000
14	75	9,382	10.50%	325,420	1,000,000
15	76	9,382	10.50%	348,811	1,000,000
16	77	9,382	10.50%	373,288	1,000,000
17	78	9,382	10.50%	398,932	1,000,000
18	79	9,382	10.50%	425,842	1,000,000
19	80	9,382	10.50%	454,168	1,000,000
20	81	9,382	10.50%	484,120	1,000,000
21	82	9,382	10.50%	515,976	1,000,000
22	83	9,382	10.50%	550,369	1,000,000
23	84	9,382	10.50%	587,877	1,000,000
24	85	9,382	10.50%	629,246	1,000,000
25	86	9,382	10.50%	675,290	1,000,000
26	87	9,382	10.50%	727,112	1,000,000
27	88	9,382	10.50%	786,153	1,000,000
28	89	9,382	10.50%	854,310	1,000,000
29	90	9,382	10.50%	934,087	1,000,000
30	91	9,382	10.50%	1,028,725	1,069,874
31	92	9,382	10.50%	1,134,770	1,168,813
32	93	9,382	10.50%	1,251,660	1,276,693
33	94	9,382	10.50%	1,380,799	1,394,607
34	95	9,382	10.50%	1,523,835	1,523,835
35	96	9,382	10.50%	1,682,706	1,682,706
36	97	9,382	10.50%	1,857,066	1,857,066
37	98	9,382	10.50%	2,048,427	2,048,427
38	99	9,382	10.50%	2,258,445	2,258,445
39	100	9,382	10.50%	2,488,941	2,488,941
11/19/01