Exhibit 8
Modified Defined Benefit - Variable Universal Life Policy
Making Premium Adjustments to Compensate for Losses Below Benchmark
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			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	42,269	-28.85%	82,807	125,632	1,000,000
3	64	60,805	34.85%	186,463	144,440	1,000,000
4	65	17,980	21.45%	240,384	163,055	1,042,023
5	66	17,980	-9.55%	223,857	181,390	1,077,330
6	67	17,980	4.25%	241,548	200,445	1,042,467
7	68	17,980	16.05%	290,462	220,041	1,041,104
8	69	17,980	30.05%	389,937	240,101	1,070,421
9	70	17,980	-7.25%	366,614	260,659	1,149,836
10	71	17,980	19.05%	444,313	281,810	1,105,955
11	72	17,980	20.15%	542,401	303,635	1,162,503
12	73	17,980	3.95%	568,735	326,134	1,238,767
13	74	17,980	29.85%	745,549	348,492	1,242,600
14	75	17,980	16.15%	871,121	370,783	1,397,057
15	76	17,980	2.85%	895,371	392,393	1,500,338
16	77	17,980	14.45%	1,022,172	413,486	1,502,978
17	78	17,980	29.15%	1,321,001	434,207	1,608,685
18	79	17,980	-5.55%	1,245,016	454,768	1,886,794
19	80	17,980	28.15%	1,585,742	475,396	1,790,248
20	81	17,980	5.35%	1,669,621	496,618	2,110,346
21	82	17,980	-17.05%	1,369,339	518,631	2,173,004
22	83	17,980	-28.85%	940,547	540,462	1,850,708
23	84	17,980	34.85%	1,240,085	562,097	1,400,085
24	85	17,980	21.45%	1,509,669	583,503	1,677,988
25	86	17,980	-9.55%	1,360,033	604,646	1,926,166
26	87	17,980	4.25%	1,388,028	625,514	1,755,387
27	88	17,980	16.05%	1,593,714	646,114	1,762,515
28	89	17,980	30.05%	2,070,012	666,480	1,947,600
29	90	17,980	-7.25%	1,932,044	686,750	2,403,532
30	91	17,980	19.05%	2,260,737	707,549	2,245,295
31	92	17,980	20.15%	2,722,428	728,945	2,553,189
32	93	17,980	3.95%	2,847,506	751,324	2,993,483
33	94	17,980	29.85%	3,681,333	775,167	3,096,182
34	95	17,980	16.15%	4,346,371	801,095	3,906,166
35	96	17,980	2.85%	4,518,107	829,920	4,545,276
36	97	17,980	14.45%	5,153,453	862,645	4,688,188
37	98	17,980	29.15%	6,714,287	900,559	5,290,808
38	99	17,980	-5.55%	6,548,684	945,366	6,813,727
39	100	17,980	28.15%	8,318,527	999,334	8,318,527
11/19/01