Exhibit 6
Modified Defined Benefit Premise - 2001 Variable Universal Life Policy
Name: Bill Davis, 61-year-old Male Preferred Non-Smoker
5.5% Constant Net Yield (net fund management expenses)
Policy	EOY		Net	Benchmark	Death
Year	Age	Premium	Yield	CV	Benefit
					1,000,000
1	62	17,980	0	106,330	1,000,000
2	63	17,980	0	125,632	1,000,000
3	64	17,980	0	144,440	1,000,000
4	65	17,980	0	163,055	1,000,000
5	66	17,980	0	181,390	1,000,000
6	67	17,980	0	200,445	1,000,000
7	68	17,980	0	220,041	1,000,000
8	69	17,980	0	240,101	1,000,000
9	70	17,980	0	260,659	1,000,000
10	71	17,980	0	281,810	1,000,000
11	72	17,980	0	303,635	1,000,000
12	73	17,980	0	326,134	1,000,000
13	74	17,980	0	348,492	1,000,000
14	75	17,980	0	370,783	1,000,000
15	76	17,980	0	392,393	1,000,000
16	77	17,980	0	413,486	1,000,000
17	78	17,980	0	434,207	1,000,000
18	79	17,980	0	454,768	1,000,000
19	80	17,980	0	475,396	1,000,000
20	81	17,980	0	496,618	1,000,000
21	82	17,980	0	518,631	1,000,000
22	83	17,980	0	540,462	1,000,000
23	84	17,980	0	562,097	1,000,000
24	85	17,980	0	583,503	1,000,000
25	86	17,980	0	604,646	1,000,000
26	87	17,980	0	625,514	1,000,000
27	88	17,980	0	646,114	1,000,000
28	89	17,980	0	666,480	1,000,000
29	90	17,980	0	686,750	1,000,000
30	91	17,980	0	707,549	1,000,000
31	92	17,980	0	728,945	1,000,000
32	93	17,980	0	751,324	1,000,000
33	94	17,980	0	775,167	1,000,000
34	95	17,980	0	801,095	1,000,000
35	96	17,980	0	829,920	1,000,000
36	97	17,980	0	862,645	1,000,000
37	98	17,980	0	900,559	1,000,000
38	99	17,980	0	945,366	1,000,000
39	100	17,980	0	999,334	1,000,000
11/19/01