Exhibit 7
Modified Defined Benefit - Variable Universal Life Policy
Allowing Death Benefit Fluctuations
Name: Bill Davis, 50-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			Cash	Benchmark	Death
Year	Age	Premium	Interest	Value	CV	Benefit
				89,733		1,000,000
1	62	17,980	-17.05%	82,041	106,330	1,000,000
2	63	17,980	-28.85%	65,707	125,632	975,711
3	64	17,980	34.85%	105,987	144,440	940,075
4	65	17,980	21.45%	142,725	163,055	961,547
5	66	17,980	-9.55%	136,087	181,390	979,671
6	67	17,980	4.25%	150,808	200,445	954,697
7	68	17,980	16.05%	185,806	220,041	950,364
8	69	17,980	30.05%	254,452	240,101	965,765
9	70	17,980	-7.25%	241,576	260,659	1,014,351
10	71	17,980	19.05%	296,535	281,810	980,917
11	72	17,980	20.15%	365,625	303,635	1,014,725
12	73	17,980	3.95%	385,853	326,134	1,061,990
13	74	17,980	29.85%	509,341	348,492	1,059,719
14	75	17,980	16.15%	597,464	370,783	1,160,848
15	76	17,980	2.85%	615,084	392,393	1,226,681
16	77	17,980	14.45%	703,308	413,486	1,222,692
17	78	17,980	29.15%	910,411	434,207	1,289,821
18	79	17,980	-5.55%	857,230	454,768	1,476,204
19	80	17,980	28.15%	1,092,531	475,396	1,402,462
20	81	17,980	5.35%	1,149,665	496,618	1,617,135
21	82	17,980	-17.05%	940,850	518,631	1,653,047
22	83	17,980	-28.85%	643,002	540,462	1,422,219
23	84	17,980	34.85%	847,595	562,097	1,102,540
24	85	17,980	21.45%	1,030,702	583,503	1,285,498
25	86	17,980	-9.55%	925,125	604,646	1,447,199
26	87	17,980	4.25%	940,872	625,514	1,320,479
27	88	17,980	16.05%	1,077,229	646,114	1,315,359
28	89	17,980	30.05%	1,396,484	666,480	1,431,115
29	90	17,980	-7.25%	1,298,169	686,750	1,730,004
30	91	17,980	19.05%	1,514,743	707,549	1,611,419
31	92	17,980	20.15%	1,819,808	728,945	1,807,194
32	93	17,980	3.95%	1,898,044	751,324	2,090,863
33	94	17,980	29.85%	2,449,798	775,167	2,146,719
34	95	17,980	16.15%	2,887,886	801,095	2,674,631
35	96	17,980	2.85%	2,996,976	829,920	3,086,791
36	97	17,980	14.45%	3,414,523	862,645	3,167,056
37	98	17,980	29.15%	4,446,782	900,559	3,551,878
38	99	17,980	-5.55%	4,334,709	945,366	4,546,223
39	100	17,980	28.15%	5,507,498	999,334	5,507,498
11/19/01