Standard Life - VOLUNTARY INDIVIDUAL TERM LIFE                   (RATES PER PAYCHECK)
	AMOUNT IN THOUSANDS	AGE RANGE >	<35	35-39	40-44	45-49	50-54	55-59	60-64	65-69	70-74
	10		0.35	0.50	0.80	1.25	2.05	3.45	3.85	5.95	9.15
	20		0.70	1.00	1.60	2.50	4.10	6.90	7.70	11.90	18.30
	30		1.05	1.50	2.40	3.75	6.15	10.35	11.55	17.85	27.45
	40		1.40	2.00	3.20	5.00	8.20	13.80	15.40	23.80	36.60
	50		1.75	2.50	4.00	6.25	10.25	17.25	19.25	29.75	45.75
	60		2.10	3.00	4.80	7.50	12.30	20.70	23.10	35.70	54.90
	70		2.45	3.50	5.60	8.75	14.35	24.15	26.95	41.65	64.05
	80		2.80	4.00	6.40	10.00	16.40	27.60	30.80	47.60	73.20
	90		3.15	4.50	7.20	11.25	18.45	31.05	34.65	53.55	82.35
	100		3.50	5.00	8.00	12.50	20.50	34.50	38.50	59.50	91.50
	110		3.85	5.50	8.80	13.75	22.55	37.95	42.35	65.45	100.65
	120		4.20	6.00	9.60	15.00	24.60	41.40	46.20	71.40	109.80
	130		4.55	6.50	10.40	16.25	26.65	44.85	50.05	77.35	118.95
	140		4.90	7.00	11.20	17.50	28.70	48.30	53.90	83.30	128.10
	150		5.25	7.50	12.00	18.75	30.75	51.75	57.75	89.25	137.25
	160		5.60	8.00	12.80	20.00	32.80	55.20	61.60	95.20	146.40
	170		5.95	8.50	13.60	21.25	34.85	58.65	65.45	101.15	155.55
	180		6.30	9.00	14.40	22.50	36.90	62.10	69.30	107.10	164.70
	190		6.65	9.50	15.20	23.75	38.95	65.55	73.15	113.05	173.85
	200		7.00	10.00	16.00	25.00	41.00	69.00	77.00	119.00	183.00
	210		7.35	10.50	16.80	26.25	43.05	72.45	80.85	124.95	192.15
	220		7.70	11.00	17.60	27.50	45.10	75.90	84.70	130.90	201.30
	230		8.05	11.50	18.40	28.75	47.15	79.35	88.55	136.85	210.45
	240		8.40	12.00	19.20	30.00	49.20	82.80	92.40	142.80	219.60
	250		8.75	12.50	20.00	31.25	51.25	86.25	96.25	148.75	228.75
	260		9.10	13.00	20.80	32.50	53.30	89.70	100.10	154.70	237.90
	270		9.45	13.50	21.60	33.75	55.35	93.15	103.95	160.65	247.05
	280		9.80	14.00	22.40	35.00	57.40	96.60	107.80	166.60	256.20
	290		10.15	14.50	23.20	36.25	59.45	100.05	111.65	172.55	265.35
	300		10.50	15.00	24.00	37.50	61.50	103.50	115.50	178.50	274.50
	Up to 500,000 rates per $10,000		0.35	0.50	0.80	1.25	2.05	3.45	3.85	5.95	9.15
	COVERAGE FOR DEPENDENT CHILD(REN)  - RATES PER PAYCHECK
			$2,500		0.40			Guaranteed issue for amounts enclosed
			$5,000		0.79			for amounts enclosed in bold box above
			$7,500		1.18			(no medical info required)
			$10,000		1.58
	(All coverage includes $1,000 benefits for children from 14 days of age up to 6 months