West Coast - Focus Term Series Update

Current market and economic conditions continue to impact the term life insurance industry and the products life insurers provide. At West Coast Life, we carefully monitor our products to make certain they are competitive and continue to provide value to the consumer.

With this in mind, we will implement the following changes to our Focus Term Series, effective February 1, 2010:

The annual policy fee will increase from $60 to $70 in all bands on all new policies for the 10-, 15-, 20-, 25-, and 30-year products
The per unit rates will generally increase in most cells and rate bands for all products
Lower maximum issue ages for some products and mortality classes
New Renewal Premium rates for all states

Transition Guidelines:
Cases with an application SIGNED date by January 31, 2010, and received in the Home Office no later than February 12, will be issued with the current applicable rates and policy fee. All paper applications will be based on the application signed date.
Please send the completed applications to Underwriters Brokerage Service by February 10, 2010 to allow us enough time to process by the February 12th deadline.

If the paper application signed date is prior to February 1, 2010, but received after February 12, the new rates and policy fees indicated above will apply.