Exhibit 9
Modified Defined Benefit - Variable Universal Life Policy
Maintaining Minimum Death Benefit
(Must be used with caution - may cause significant later premium adjustments)
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	1,000,000
3	64	17,980	34.85%	105,820	144,440	1,000,000
4	65	17,980	21.45%	142,027	163,055	1,000,000
5	66	17,980	-9.55%	135,075	181,390	1,000,000
6	67	17,980	4.25%	149,542	200,445	1,000,000
7	68	17,980	16.05%	183,836	220,041	1,000,000
8	69	17,980	30.05%	251,295	240,101	1,000,000
9	70	17,980	-7.25%	238,194	260,659	1,047,398
10	71	17,980	19.05%	292,039	281,810	1,047,398
11	72	17,980	20.15%	359,229	303,635	1,080,091
12	73	17,980	3.95%	378,144	326,134	1,125,457
13	74	17,980	29.85%	498,124	348,492	1,121,873
14	75	17,980	16.15%	583,045	370,783	1,219,495
15	76	17,980	2.85%	598,640	392,393	1,282,125
16	77	17,980	14.45%	682,673	413,486	1,276,110
17	78	17,980	29.15%	881,674	434,207	1,339,049
18	79	17,980	-5.55%	827,700	454,768	1,517,330
19	80	17,980	28.15%	1,052,342	475,396	1,442,794
20	81	17,980	5.35%	1,104,527	496,618	1,646,809
21	82	17,980	-17.05%	900,714	518,631	1,677,772
22	83	17,980	-28.85%	611,831	540,462	1,451,946
23	84	17,980	34.85%	802,763	562,097	1,141,231
24	85	17,980	21.45%	971,989	583,503	1,310,529
25	86	17,980	-9.55%	867,350	604,646	1,458,348
26	87	17,980	4.25%	876,422	625,514	1,332,566
27	88	17,980	16.05%	997,206	646,114	1,320,772
28	89	17,980	30.05%	1,285,976	666,480	1,420,956
29	90	17,980	-7.25%	1,187,408	686,750	1,689,359
30	91	17,980	19.05%	1,376,852	707,549	1,570,521
31	92	17,980	20.15%	1,644,869	728,945	1,739,166
32	93	17,980	3.95%	1,705,248	751,324	1,985,787
33	94	17,980	29.85%	2,190,077	775,167	2,023,787
34	95	17,980	16.15%	2,570,083	801,095	2,484,773
35	96	17,980	2.85%	2,654,448	829,920	2,838,851
36	97	17,980	14.45%	3,010,871	862,645	2,894,391
37	98	17,980	29.15%	3,907,613	900,559	3,218,089
38	99	17,980	-5.55%	3,794,801	945,366	4,076,916
39	100	17,980	28.15%	4,807,027	999,334	4,807,027
11/19/01