Exhibit 5
Traditional Premium Management - 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	1,000,000
1	62	8,238	-17.05%	73,880	1,000,000
2	63	8,238	-28.85%	50,402	1,000,000
3	64	8,238	34.85%	70,362	1,000,000
4	65	14,163	21.45%	93,085	1,000,000
5	66	14,163	-9.55%	86,268	1,000,000
6	67	14,163	4.25%	92,708	1,000,000
7	68	16,290	16.05%	113,346	1,000,000
8	69	16,290	30.05%	154,424	1,000,000
9	70	16,290	-7.25%	143,393	1,000,000
10	71	15,645	19.05%	173,972	1,000,000
11	72	15,645	20.15%	211,277	1,000,000
12	73	15,645	3.95%	218,240	1,000,000
13	74	12,810	29.85%	280,799	1,000,000
14	75	12,810	16.15%	321,123	1,000,000
15	76	12,810	2.85%	322,546	1,000,000
16	77	6,165	14.45%	353,304	1,000,000
17	78	6,165	29.15%	440,045	1,000,000
18	79	6,165	-5.55%	397,569	1,000,000
19	80	3,120	28.15%	485,958	1,000,000
20	81	3,120	5.35%	488,525	1,000,000
21	82	3,120	-17.05%	378,864	1,000,000
22	83	14,310	-28.85%	243,933	1,000,000
23	84	14,310	34.85%	302,669	1,000,000
24	85	14,310	21.45%	339,097	1,000,000
25	86	31,430	-9.55%	288,891	1,000,000
26	87	31,430	4.25%	280,634	1,000,000
27	88	31,430	16.05%	303,974	1,000,000
28	89	52,200	30.05%	403,963	1,000,000
29	90	52,200	-7.25%	368,100	1,000,000
30	91	52,200	19.05%	438,010	1,000,000
31	92	43,800	20.15%	517,956	1,000,000
32	93	43,800	3.95%	527,633	1,000,000
33	94	43,800	29.85%	683,027	1,000,000
34	95	7,500	16.15%	754,539	1,000,000
35	96	7,500	2.85%	743,256	1,000,000
36	97	7,500	14.45%	814,715	1,000,000
37	98	0	29.15%	1,015,318	1,015,318
38	99	0	-5.55%	951,353	1,015,318
39	100	0	28.15%	1,200,051	1,200,051
11/19/01