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Preview Full Doc	2003	Flexible Premium Deferred Variable Annuity Policy Flexible Premium Deferred Variable Annuity Policy (299K) Doc #152806: Click preview link for longer preview. THE ANNUITY POLICY The flexible premium deferred variable annuity policy offered by Transamerica Life Insurance Company (Transamerica, we, us, or our) provides a way for you to invest on a tax-deferred basis in the following investment choices: various subaccounts of the separate account and the fixed account of Transamerica. The policy is intended to accumulate money for retirement or other long-term investment purposes. This policy currently offers subaccounts that are listed in Section 3. Each subaccount invests exclusively in shares of one of the underlying funds. The policy value may depend on the investment experience of the selected subaccounts. Therefore, you bear the entire investment risk with respect to all policy value in any subaccount. You could lose the amount that you invest. The fixed account offers an interest rate that Transamerica guarantees. The policy, like all deferred annuity policies, has two phases: the accumulation phase and the income phase. During the accumulation phase, earnings accumulate on a tax-deferred basis and are taxed as ordinary income when you take them out of the policy. The income phase occurs when you annuitize and begin receiving regular annuity payments from your policy. The money you can accumulate during the accumulation phase will largely determine the payments you receive during the income phase. 2. PURCHASE You can buy a nonqualified policy with $5,000 or more, and a qualified policy with $1,000 or more, under most circumstances. You can add as little as $50 at any time during the accumulation phase. 3. INVESTMENT CHOICES You can allocate your premium payments to one or more of the following underlying fund portfolios described in the underlying fund prospectuses: Asset Allocation Conservative Portfolio Service Class Asset Allocation Growth Portfolio Service Class Asset Allocation Moderate Portfolio Service Class Asset Allocation Moderate Growth Portfolio Service Class Alger Aggressive Growth Service Class American Century Income & Growth Service Class American Century International Service Class BlackRock Global Science & Technology Opportunities Service Class BlackRock Mid Cap Growth Service Class Capital Guardian Global Service Class Capital Guardian U.S. Equity Service Class Capital Guardian Value Service Class Clarion Real Estate Securities Service Class Great Companies America^SM Service Class Great Companies Technology^SM Service Class Janus Balanced (A/T) Service Class Janus Growth (A/T) Service Class Jennison Growth Service Class J.P. Morgan Enhanced Index Service Class Marsico Growth Service Class MFS High Yield Service Class PBHG Mid Cap Growth Service Class PBHG/NWQ Value Select Service Class PIMCO Total Return Service Class Salomon All Cap Service Class Templeton Great Companies Global Transamerica Convertible Securities Service Class Transamerica Equity Service Class 5 Table of Contents Transamerica Growth Opportunities Service Class Transamerica Money Market Service Class Transamerica U.S. Government Securities Service Class T. Rowe Price Equity Income Service Class T. Rowe Price Growth Stock Service Class T. Rowe Price Small Cap Service Class Van Kampen Active International Allocation Service Class Van Kampen Asset Allocation Service Class Van Kampen Emerging Growth Service Class AIM V.I. Basic Value Fund Series II AIM V.I. Capital Appreciation Fund Series II AllianceBernstein Growth & Income Portfolio Class B AllianceBernstein Premier Growth Portfolio Class B Janus Aspen Mid Cap Growth Portfolio Service Shares Janus Aspen Worldwide Growth Portfolio Service Shares MFS New Discovery Series Service Class MFS Total Return Series Service Class Fidelity VIP Contrafund Portfolio Service Class 2 Fidelity VIP Equity-Income Portfolio Service Class 2 Fidelity VIP Growth Portfolio Service Class 2 Fidelity VIP Mid Cap Portfolio Service Class 2 Fidelity VIP Value Strategies Portfolio Service Class 2 As of May 1, 2003, new policy owners may only invest in the Service Class subaccounts of AEGON/Transamerica Series Fund, Inc. The Initial Class subaccounts of the AEGON/Transamerica Series Fund, Inc. are only available to owners that purchased the policy before May 1, 2003. The Service Class of the AEGON/Transamerica Series Fund, Inc. has a Rule 12b-1 Plan (and higher expenses) and the Initial Class does not. Depending upon their investment performance, you can make or lose money in any of the subaccounts. You can also allocate your premium payments to the fixed account. We currently allow you to transfer money between any of the investment choices during the accumulation phase. We reserve the right to impose a $10 fee for each transfer in excess of 12 transfers per policy year and to impose restrictions and limitations on transfers. 4. PERFORMANCE The value of the policy will vary up or down depending upon the investment performance of the subaccounts you choose. We provide past performance information in Appendix A and in the SAI. This data does not indicate future performance. 5. EXPENSES No deductions are made from premium payments at the time you buy the policy so that the full amount of each premium payment is invested in one or more of your investment choices. We may deduct a surrender charge of up to 5% of premium payments surrendered within five years after the premium is paid. We will calculate surrender charges by taking the earnings, if any, out before premium payments. Full surrenders, partial surrenders, and transfers from a guaranteed period option of the fixed account may also be subject to an excess interest adjustment, which may increase or decrease the amount you receive. This adjustment may also apply to amounts applied to an annuity payment option from a guaranteed period option of the fixed account prior to the end of the guaranteed period option. 6 Table of Contents We deduct daily mortality and expense risk fees and administrative charges at an annual rate of 0.85% from the assets in each subaccount during the income phase and 1.25% during the accumulation phase. During the accumulation phase, we deduct an annual service charge of no more than $35 from the policy value on each policy anniversary and at the time of surrender. The charge is waived if either the policy value or the sum of all premium payments, minus all partial surrenders, is at least $50,000. Upon total surrender, payment of a death benefit, or when annuity payments begin, we will deduct state premium taxes, if applicable, which currently range from 0% to 3.50%. If you elect the Initial Payment Guarantee when you annuitize, there is a daily fee equal to an annual rate of 1.25% of the daily net asset value in the subaccounts. If you elect the Additional Death Distribution, there is an annual fee during the accumulation phase of 0.25% of the policy value. The value of the net assets of the subaccounts will reflect the management fee and other expenses incurred by the underlying fund portfolios. 6. ACCESS TO YOUR MONEY You can generally take out $500 or more anytime during the accumulation phase (except under certain qualified policies). You may generally take free of surrender charges each year: 10% of your premium payments; or any gains in the policy. Amounts surrendered in excess of this free amount may be subject to a surrender charge and excess interest adjustment. You may also have to pay income tax and a tax penalty on any money you take out. The gains in the policy are the amount equal to the policy value, minus the sum of all premium payments, reduced by all prior partial surrenders deemed to be from premium. If you have policy value in the fixed account, you may take out any cumulative interest credited free of excess interest adjustments. Access to amounts held in qualified policies may be restricted or prohibited. Surrenders are not generally permitted during the income phase unless you elect the Life with Emergency Cash^SM annuity payment option. 7. ANNUITY PAYMENTS (THE INCOME PHASE) The policy allows you to receive income under one of several annuity payment options. You may choose from fixed payment options, variable payment options, or a combination of both. If you select a variable payment option, the dollar amount of your payments may go up or down. However, the Initial Payment Guarantee is available as an optional rider and it guarantees a minimum amount for each payment. 8. DEATH BENEFIT If the annuitant dies before the income phase begins, then a death benefit will become payable. Naming different persons as owner and annuitant can affect to whom amounts will be paid. Use care when naming owners, annuitants and beneficiaries, and consult your agent if you have questions. The death benefit is the greater of the policy value or cash value. If the owner is not the annuitant, no death benefit is paid if the owner dies. 152806	AEGON AEGON NV ( Life Insurance ) As referenced in this Flexible Premium Deferred Variable Annuity Policy: AEGON/ – upon the adequacy of this prospectus. Any representation to the contrary is a criminal offense. Table of Contents PORTFOLIOS ASSOCIATED WITH THE SUBACCOUNTS AEGON/ TRANSAMERICA SERIES FUND, INC. SERVICE CLASS Subadvised by AEGON/Transamerica Fund Advisers, Inc. Asset Allocation Conservative Portfolio Asset Allocation Growth Portfolio Asset Allocation _____________ AEGON/ – the contrary is a criminal offense. Table of Contents PORTFOLIOS ASSOCIATED WITH THE SUBACCOUNTS AEGON/TRANSAMERICA SERIES FUND, INC. SERVICE CLASS Subadvised by AEGON/ Transamerica Fund Advisers, Inc. Asset Allocation Conservative Portfolio Asset Allocation Growth Portfolio Asset Allocation Moderate Portfolio Asset Allocation Moderate Growth Portfolio Subadvised by _____________ AEGON/ – Value Strategies Portfolio Service Class 2 As of May 1, 2003, new policy owners may only invest in the Service Class subaccounts of AEGON/ Transamerica Series Fund, Inc. The Initial Class subaccounts of the AEGON/Transamerica Series Fund, Inc. are only available to owners that purchased the _____________ AEGON/ – new policy owners may only invest in the Service Class subaccounts of AEGON/Transamerica Series Fund, Inc. The Initial Class subaccounts of the AEGON/ Transamerica Series Fund, Inc. are only available to owners that purchased the policy before May 1, 2003. The Service Class of the AEGON/ _____________ AEGON/ – AEGON/Transamerica Series Fund, Inc. are only available to owners that purchased the policy before May 1, 2003. The Service Class of the AEGON/ Transamerica Series Fund, Inc. has a Rule 12b-1 Plan (and higher expenses) and the Initial Class does not. Depending upon their investment _____________ dt 229870 ; Financial Inst. Financial Institutions Inc. ( Regional Banks ) As referenced in this Flexible Premium Deferred Variable Annuity Policy: Financial Institutions, Inc. – Assignment Corporation of Kentucky Kentucky 100% AEGON Financial Services Group, Inc. Administrator of structured settlements AEGON Assignment Corporation Illinois 100% AEGON Financial Services Group, Inc. Administrator of structured settlements Transamerica Financial Institutions, Inc. Minnesota 100% AEGON Financial Services Group, Inc. Life insurance and underwriting services Professional Life & Annuity Insurance Company Arizona 100% Transamerica Life Insurance Co. Veterans Life Insurance Company Illinois _____________ dt 1445643 ;	Sutherland Sutherland Asbill & Brennan ( Legal ) As referenced in this Flexible Premium Deferred Variable Annuity Policy: Sutherland, Asbill – 52499-4240 (Name and Address of Agent for Service) Copy to: Frederick R. Bellamy, Esq. Sutherland, Asbill and Brennan LLP 1275 Pennsylvania Avenue, N.W. Washington, D.C. 20004-2415 Table Sutherland Asbill – of $5,000,000, covering the acts of officers and employees of Transamerica. LEGAL MATTERS Sutherland Asbill & Brennan LLP, of Washington D.C. has provided legal advice to Transamerica relating dt 31581
Preview Full Doc	2003	Flexible Premium Variable Life Insurance Policy Flexible Premium Variable Life Insurance Policy (660K) Doc #189460: Click preview link for longer preview. A FLEXIBLE PREMIUM VARIABLE LIFE INSURANCE POLICY BENEFITS PAYABLE ON DEATH OF SECOND OF TWO INSUREDS -------------------------------------------------------------------------------- This Prospectus describes SVUL-III featuring the Elite Series of Funds, a flexible premium variable universal life insurance contract (the "Policy"), offered by Lincoln Life & Annuity Company of New York ("LLANY" "we", "our" or "us"). The Policy provides death benefits when the second of the two named Insureds dies (a "Second Death Policy"). The Policy features include flexible premium payments; a choice of one of three death benefit options; and a choice of underlying investment options. It may not be advantageous to replace existing life insurance or an annuity contract or supplement an existing flexible premium variable life insurance contract with the Policy. You should carefully read this Prospectus and the Prospectuses of the Funds furnished with this Prospectus, to understand the Policy being offered. The Policy described in this Prospectus is available only in New York. You may allocate net premiums to the Sub-Accounts of our Flexible Premium Variable Life Account R ("Separate Account"). Each Sub-Account invests in Funds offered through the following: - AIM VARIABLE INSURANCE FUNDS - ALLIANCE VARIABLE PRODUCTS SERIES FUND, INC. - AMERICAN FUNDS INSURANCE SERIES - DELAWARE VIP TRUST (FORMERLY DELAWARE GROUP PREMIUM FUND) - FIDELITY VARIABLE INSURANCE PRODUCTS - FRANKLIN TEMPLETON VARIABLE INSURANCE PRODUCTS TRUST - JANUS ASPEN SERIES - LINCOLN NATIONAL FUNDS - MFS-REGISTERED TRADEMARK- VARIABLE INSURANCE TRUST - NEUBERGER BERMAN ADVISERS MANAGEMENT TRUST - PUTNAM VARIABLE TRUST - SCUDDER VIT FUNDS (FORMERLY DEUTSCHE ASSET MANAGEMENT VIT FUNDS TRUST) Refer to the "Funds" section in this Prospectus for detail on the particular Funds offered in each Sub-Account. TO BE VALID, THIS PROSPECTUS MUST HAVE THE CURRENT MUTUAL FUNDS' PROSPECTUSES WITH IT. KEEP ALL FOR FUTURE REFERENCE. THE SECURITIES AND EXCHANGE COMMISSION HAS NOT APPROVED OR DISAPPROVED THESE SECURITIES OR DETERMINED THIS PROSPECTUS IS ACCURATE OR COMPLETE. IT IS A CRIMINAL OFFENSE TO STATE OTHERWISE. PROSPECTUS DATED: AUGUST 9, 2002 {Page} TABLE OF CONTENTS {Table} {Caption} CONTENTS PAGE -------- -------- {S} {C} HIGHLIGHTS.......................... 3 Initial Choices To Be Made........ 3 Death Benefit..................... 4 Amount of Premium Payment......... 4 Selection of Funding Vehicles..... 4 Insurance Charges and Fees........ 5 Fund Expenses..................... 6 Changes in Specified Amount....... 9 LLANY, THE SEPARATE ACCOUNT AND THE GENERAL ACCOUNT.................... 9 BUYING VARIABLE LIFE INSURANCE...... 10 Replacements...................... 12 APPLICATION......................... 12 OWNERSHIP........................... 12 BENEFICIARY......................... 13 INSUREDS............................ 13 THE POLICY.......................... 13 Policy Specifications............. 14 PREMIUM FEATURES.................... 14 Planned Premiums; Additional Premiums........................ 14 Limits on Right to Make Payments of Additional and Planned Premiums...................... 14 Premium Load; Net Premium Payment....................... 14 RIGHT-TO-EXAMINE PERIOD............. 15 TRANSFERS AND ALLOCATION AMONG ACCOUNTS........................... 15 Allocation of Net Premium Payments........................ 15 Transfers......................... 15 Limits on Frequent Transfers...... 16 Optional Sub-Account Allocation Programs........................ 16 Dollar Cost Averaging........... 16 Automatic Rebalancing........... 17 POLICY VALUES....................... 17 Valuation -- Fixed Account and Separate Account................ 17 Allocation of Premium Payments to Separate Account................ 18 Fixed Account and Loan Account Value........................... 19 Accumulation Value................ 19 Net Accumulation Value............ 19 FUNDS............................... 19 Substitution of Securities........ 24 Voting Rights..................... 24 Fund Participation Agreements..... 24 CHARGES AND FEES.................... 24 Premium Charge.................... 25 Deductions Made Monthly........... 25 Monthly Deduction............... 25 Cost of Insurance Charge........ 25 Mortality and Expense Risk Charge.......................... 26 Surrender Charges................. 26 Transaction Fee for Excess Transfers....................... 28 DEATH BENEFITS...................... 28 Death Benefit Options............. 28 Changes in Death Benefit Options and Specified Amount............ 29 Federal Income Tax Definition of Life Insurance.................. 30 NOTICE OF DEATH OF INSUREDS......... 31 PAYMENT OF DEATH BENEFIT PROCEEDS... 31 {/Table} {Table} {Caption} CONTENTS PAGE -------- -------- {S} {C} Settlement Options................ 31 POLICY LIQUIDITY.................... 32 Policy Loans...................... 32 Partial Surrender................. 33 Surrender of the Policy........... 33 Surrender Value................. 33 Deferral of Payment and Transfers....................... 34 ASSIGNMENT; CHANGE OF OWNERSHIP..... 34 LAPSE AND REINSTATEMENT............. 34 Lapse of a Policy................. 34 No Lapse Provision................ 35 Reinstatement of a Lapsed Policy.......................... 36 COMMUNICATIONS WITH LLANY........... 37 Proper Written Form............... 37 Receipt of Written Communications 37 Telephone and Other Electronic Communications.................. 37 OTHER POLICY PROVISIONS............. 38 Issuance.......................... 38 Date of Coverage.................. 38 Right to Exchange the Policy...... 38 Maturity of the Policy............ 38 Incontestability.................. 39 Misstatement of Age or Gender..... 39 Suicide........................... 39 Riders............................ 39 Nonparticipating Policies......... 40 TAX ISSUES.......................... 40 Taxation of Life Insurance Contracts in General............ 40 Policies Which Are MECS........... 41 Policies Which Are Not MECS....... 42 Last Survivor Contract............ 43 Other Considerations.............. 43 Tax Status of LLANY............... 44 FAIR VALUE OF THE POLICY............ 44 DIRECTORS AND OFFICERS OF LLANY..... 44 DISTRIBUTION OF POLICIES............ 46 CHANGES OF INVESTMENT POLICY........ 47 OTHER CONTRACTS ISSUED BY LLANY..... 47 STATE REGULATION.................... 47 REPORTS TO OWNERS................... 48 ADVERTISING......................... 48 LEGAL PROCEEDINGS................... 48 EXPERTS............................. 48 REGISTRATION STATEMENT.............. 49 Appendix 1.......................... 50 Illustration of Accumulation Values, Surrender Values, and Death Benefit Proceeds.......... 50 Appendix 2.......................... 55 Corridor Percentages.............. 55 Financial Statements................ Separate Account R 12/31/01....... R-1 Lincoln Life & Annuity Company of New York 12/31/01............ S-1 Separate Account R 3/31/02 (unaudited)..................... R1Q-1 Lincoln Life & Annuity Company of New York 3/31/02 (unaudited)..................... S1Q-1 {/Table} 2 {Page} HIGHLIGHTS This section is an overview of key Policy features. Your Policy is a flexible premium variable universal life insurance policy. Your Policy insures two Insureds. If one of the Insureds dies, the Policy pays no death benefit. Your Policy will pay the death benefit only when the second Insured dies. A "second-to-die" policy might be suitable when both of the Insureds have income of their own and only want to provide financial support for their dependents if both of them should die, or to provide liquidity to heirs when the Second Insured dies. If replacement income or immediate cash liquidity is needed upon the death of one Insured, this type of policy may not be suitable. The Policy's value may change on a: 1) fixed basis; 2) variable basis; or a 3) combination of both fixed and variable bases. Review your personal financial objectives and discuss them with a qualified financial counselor before you buy a "second-to-die" variable life insurance policy. As a death benefit is only paid upon the second Insured's death, this Policy may, or may not, be appropriate for your individual financial goals. If you are already entitled to favorable financial tax treatment, you should satisfy yourself that this Policy meets your other financial goals before you buy it. The value of the Policy and, under one option, the death benefit amount, depends on the investment results of the funding options you select. Review this Prospectus and the Funds Prospectus to achieve a clear understanding of any Fund you are considering. At all times, your Policy must qualify as life insurance under the Internal Revenue Code of 1986 (the "Code") to receive favorable tax treatment under Federal law. If these requirements are met, you may benefit from such tax treatment. LLANY reserves the right to return your premium payments if they result in your Policy failing to meet Code requirements. We offer other variable life insurance policies and variable annuity contracts with different features, benefits and charges. These policies also provide values that vary in accordance with the investment experience of a separate account of LLANY. INITIAL CHOICES TO BE MADE The Policy Owner (the "Owner" or "you") is the person named in the "Policy Specifications" who has all of the Policy ownership rights. You, as the Owner, have four important choices to make when the Policy is first purchased. You need to choose: 1) one of the three Death Benefit Options; 2) the amount of premium you want to pay; and 3) the amount of your Net Premium Payment to be placed in each of the funding options you select. The Net Premium Payment is the balance of your Premium Payment that remains after certain charges are deducted from it; and 4) whether to elect the Age 100 No Lapse Provision. You may also choose from Riders offered for this Policy. These may alter the benefits or charges in the Policy and may have tax consequences to you. 189460	Lincoln National Lincoln National Corp. ( Life Insurance ) As referenced in this Flexible Premium Variable Life Insurance Policy: Lincoln National Corp – Lincoln Life is one of the largest stock life insurance companies in the United States. Lincoln Life, an Indiana corporation, is owned by Lincoln National Corp . (LNC) which is also organized under Indiana law. LNC's primary businesses are insurance and financial services. LLANY Separate Account R for _____________ Lincoln National Corp – the "Company") is a wholly-owned subsidiary of The Lincoln National Life Insurance Company ("Lincoln Life"), which is a wholly-owned subsidiary of Lincoln National Corp oration ("LNC"). In 1996, the Company was organized under the laws of the State of New York as a life insurance company and _____________ Lincoln National Corp – We have audited the accompanying statutory-basis balance sheets of Lincoln Life & Annuity Company of New York (a wholly-owned, indirect subsidiary of Lincoln National Corp oration) as of December 31, 2001 and 2000, and the related statutory-basis statements of operations, changes in capital and surplus and cash _____________ dt 231578 ; Lincoln Life & Annuity Company of New York;	Elite Series of Funds; Llany Separate Account R for Flexible Prem Vari Life Insur
Full Doc	2002	Credit Enhancement Policy Credit Enhancement Policy (21K) Doc #349142: This document is immediately available for purchase, but does not have a preview available for viewing. PXRE REINSURANCE LTD. CREDIT ENHANCEMENT POLICY November 8, 2002 Insureds: The LENDERS and WACHOVIA BANK, NATIONAL ASSOCIATION (formerly known as First Union National Bank), as agent for the Lenders (in such capacity, the "Agent"), ratably as their interest appear under that certain First Amended and Restated Credit Agreement dated August 31, 1999 (the "Original Agreement"), among PXRE CORPORATION, a Delaware corporation (the "Borrower"), PXRE GROUP LTD., a Bermuda corporation ("PXRE Group"), and PXRE REINSURANCE (BARBADOS) LTD., a Barbados corporation ("PXRE Barbados"), the Lenders and the Agent, as amended by a First Amendment dated March 29, 2000 (the "First Amendment") and the Amended And Restated Second Amendment To First Amended And Restated Credit Agreement And Consent, dated as of the 4th day of April, 2002 (the "Second Amendment", together with the First Amendment and the Original Agreement, the "Credit Agreement"). Insured Obligation: 100% of the Obligations due and payable (whether at the stated maturity, by acceleration or otherwise) under the Credit Agreement or any of the other Credit Documents. PXRE Reinsurance Ltd. (the "Insurer"), for consideration of a premium in the amount of $500,000, the receipt of which by Insurer from PXRE Group for and on behalf of the Insureds is hereby acknowledged, hereby absolutely, unconditionally and irrevocably agrees to pay to the Insureds pursuant to this Credit Enhancement Policy (the "Policy"), the full and complete amount of any Obligations (the "Insured Obligations") when and as the same shall become due (whether at the stated maturity, by acceleration or otherwise) in each case subject to the terms and conditions of this Policy. Capitalized terms used but not defined herein shall have the meanings given to such terms in the Credit Agreement. The Insurer shall forthwith pay or cause to be paid to the Agent, for the benefit of the Insureds, an amount equal to the amount of the Insured Obligations then due and owing as aforesaid in US Dollars immediately after, and in any event within one (1) Business Day after its receipt of a written notice of nonpayment ("Notice of Nonpayment") executed by the Agent substantially in the form of Exhibit A hereto, or in such other form delivered to the Credit Parties under the Credit Agreement, it being specifically understood that any demand for payment made upon any Credit Party under the Credit Agreement shall be deemed a "Notice of Nonpayment" hereunder. Such payments shall be made, by wire transfer in immediately available funds, without set-off, counterclaim or other defense and, in accordance with Section 2.17 of the Credit Agreement, free and clear of and without deduction for any Taxes, the Insurer hereby agreeing to comply with and be bound by the provisions of Section 2.17 of the Credit Agreement in respect of all payments made by it hereunder and the provisions of which Section are hereby incorporated into and made a part of this Policy by this reference as if set forth herein at length, and such payments shall be made directly to the Agent on behalf of the Insureds to such account as the Agent shall notify the Insurer from time to time. All notices and other communications provided for hereunder shall be delivered in the manner prescribed in Section 11.5 of the Credit Agreement to any Credit Party. 349142	PXRE Group PXRE Group Ltd. ( Property & Casualty Insurance ) ; First Union First Union National Bank ( Financial ) As referenced in this Credit Enhancement Policy: First Union National Bank) – txt {DESCRIPTION}CREDIT ENHANCEMENT POLICY {TEXT} {PAGE} EXHIBIT 10.3b PXRE REINSURANCE LTD. CREDIT ENHANCEMENT POLICY November 8, 2002 Insureds: The LENDERS and WACHOVIA BANK, NATIONAL ASSOCIATION (formerly known as First Union National Bank) , as agent for the Lenders (in such capacity, the "Agent"), ratably as their interest appear under that certain First Amended and Restated Credit Agreement dated August 31, 1999 (the " _____________ dt 733183 ;	Wachovia Bank Wachovia Bank, NA ( Financial ) As referenced in this Credit Enhancement Policy: WACHOVIA BANK, NA – 10.3B {SEQUENCE}7 {FILENAME}b321019ex_10-3b.txt {DESCRIPTION}CREDIT ENHANCEMENT POLICY {TEXT} {PAGE} EXHIBIT 10.3b PXRE REINSURANCE LTD. CREDIT ENHANCEMENT POLICY November 8, 2002 Insureds: The LENDERS and WACHOVIA BANK, NA TIONAL ASSOCIATION (formerly known as First Union National Bank), as agent for the Lenders (in such capacity, the "Agent"), ratably as their interest appear under that certain First Amended and _____________ dt 758297
Preview Full Doc	2006	Trading Policy Trading Policy (171K) Doc #2391673: Click preview link for longer preview. Personal Securities Trading Policy Prudential Financial, Inc.- For Internal Use Only Revised 1/9/2006 B Version INTRODUCTION As a leader in the financial services industry, Prudential Financial, Inc. (ï¿½Prudentialï¿½ or ï¿½Companyï¿½) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (ï¿½Policyï¿½) incorporating policies and procedures followed by leading financial service firms. This Policy is designed to ensure Prudential and its associates comply . . . 2391673	Prudential Fin. Prudential Financial, Inc. ( Life Insurance ) As referenced in this Trading Policy: Prudential Financial, Inc – EX-99.(P)(2) 9 a06-1074_1ex99dp2.htm EXHIBIT 99 Exhibit 99(p)(2) Personal Securities Trading Policy Prudential Financial, Inc .- For Internal Use Only Revised 1/9/2006 B Version INTRODUCTION As a leader in the financial services industry, Prudential Financial, Inc. (Prudential or Company) aspires to the highest _____________ Prudential Financial, Inc – Exhibit 99(p)(2) Personal Securities Trading Policy Prudential Financial, Inc.- For Internal Use Only Revised 1/9/2006 B Version INTRODUCTION As a leader in the financial services industry, Prudential Financial, Inc . (Prudential or Company) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (Policy) incorporating policies and procedures followed _____________ Prudential Financial, Inc – Covered and Access Persons must report new accounts promptly to the Securities Monitoring Unit, including new account numbers, to insure that transactions are sent to Prudential via electronic feed.(8) Prudential Financial, Inc . securities held at Computershare Trust Company, N.A. (Computershare formerly EquiServe Trust Company, N.A.) are not required to be transferred. New Associates who are subject to this requirement _____________ Prudential Financial, Inc – and accounts for which the Designated Person or his/her family member exercises investment discretion. 1. Brokerage Account Requirements for Designated Persons Designated Persons are required to hold and trade Prudential Financial, Inc . common stock and related equity derivative securities (PRU) only at an authorized broker-dealer. The authorized firms are Wachovia Securities, Pruco Securities, Charles Schwab, ETRADE, Fidelity Investments, and _____________ Prudential Financial, Inc –* business on the day preclearance is granted. EXHIBITS Exhibit 1 Sample Letter to Brokerage Firm TO: Broker-Dealer 44 RE: Account #: Date of Establishment: Dear Sir/Madam: Please furnish to Prudential Financial, Inc . (Prudential), copies of all trade confirmations and account statements with respect to all transactions for the above listed account(s). Please include all transactions in shares of unit investment _____________ dt 1504924 ; Strategic Partners Mutual Funds Strategic Partners Mutual Funds, Inc. ;	Wachovia Bank Wachovia Bank, NA ( Financial ) As referenced in this Trading Policy: Wachovia Bank, N.A. – compensation plans (including The Prudential Insurance Company of America Deferred Compensation Plan, the Amended and Restated American Skandia Lifestyle Security Plan, and the Trust Agreement Between Jennison Associates LLC and Wachovia Bank, N.A. ) are not susceptible to market timing due to the fact that the plans only permit one transaction per month. Therefore, transactions in these plans are exempt from both the _____________ dt 1579034
Preview Full Doc	2006	Trading Policy Trading Policy (171K) Doc #2420072: Click preview link for longer preview. Introduction As a leader in the financial services industry, Prudential Financial, Inc. (ï¿½Prudentialï¿½ or ï¿½Companyï¿½) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (ï¿½Policyï¿½) incorporating policies and procedures followed by leading financial service firms. This Policy is designed to ensure Prudential and its associates comply with various securities laws and regulations including the Insider Trading and Securities Fraud Enforcement Act of 1988 (ï¿½ITSFEAï¿½) and the National . . . 2420072	Prudential Fin. Prudential Financial, Inc. ( Life Insurance ) As referenced in this Trading Policy: Prudential Financial, Inc – EX-99.17(II) 4 a06-8417_1ex99d17ii.htm EX-99 Exhibit 99.17(ii) Personal Securities Trading Policy Introduction As a leader in the financial services industry, Prudential Financial, Inc . (Prudential or Company) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (Policy) incorporating policies and procedures followed _____________ Prudential Financial, Inc – Covered and Access Persons must report new accounts promptly to the Securities Monitoring Unit, including new account numbers, to insure that transactions are sent to Prudential via electronic feed.(8) Prudential Financial, Inc . securities held at Computershare Trust Company, N.A. (Computershare formerly EquiServe Trust Company, N.A.) are not required to be transferred. New Associates who are subject to this requirement _____________ Prudential Financial, Inc – and accounts for which the Designated Person or his/her family member exercises investment discretion. 1. Brokerage Account Requirements for Designated Persons Designated Persons are required to hold and trade Prudential Financial, Inc . common stock and related equity derivative securities (PRU) only at an authorized broker-dealer. The authorized firms are Wachovia Securities, Pruco Securities, Charles Schwab, ETRADE, Fidelity Investments, and _____________ Prudential Financial, Inc –* business on the day preclearance is granted. 44 Exhibits Exhibit 1 Sample Letter to Brokerage Firm TO: Broker-Dealer RE: Account #: Date of Establishment: Dear Sir/Madam: Please furnish to Prudential Financial, Inc . (Prudential), copies of all trade confirmations and account statements with respect to all transactions for the above listed account(s). Please include all transactions in shares of unit investment _____________ Prudential Financial, Inc – unit investment trusts, exchange traded funds and all closed-end mutual funds. Copies of these confirmations and statements should be sent to Prudential, as trades are effected, addressed as follows: Prudential Financial, Inc . Compliance Department P.O. Box 919 Newark, NJ 07101-9998 This request is being made pursuant to Rule 3050 of the Conduct Rules of the NASD and/or Rule _____________ dt 1504932 ; Prudential Variable Contract Account 10 Prudential Variable Contract Account 10 ;	Wachovia Bank Wachovia Bank, NA ( Financial ) As referenced in this Trading Policy: Wachovia Bank, N.A. – compensation plans (including The Prudential Insurance Company of America Deferred Compensation Plan, the Amended and Restated American Skandia Lifestyle Security Plan, and the Trust Agreement Between Jennison Associates LLC and Wachovia Bank, N.A. ) are not susceptible to market timing due to the fact that the plans only permit one transaction per month. Therefore, transactions in these plans are exempt from both the _____________ dt 1579046
Preview Full Doc	2006	Trading Policy Trading Policy (171K) Doc #2433403: Click preview link for longer preview. Introduction As a leader in the financial services industry, Prudential Financial, Inc. (ï¿½Prudentialï¿½ or ï¿½Companyï¿½) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (ï¿½Policyï¿½) incorporating policies and procedures followed by leading financial service firms. This Policy is designed to ensure Prudential and its associates comply with various securities laws and regulations including the Insider Trading and Securities Fraud Enforcement Act of 1988 (ï¿½ITSFEAï¿½) and the National . . . 2433403	Prudential Fin. Prudential Financial, Inc. ( Life Insurance ) As referenced in this Trading Policy: Prudential Financial, Inc – EX-99.17(II) 4 a06-8417_2ex99d17ii.htm EX-99 Exhibit 99.17(ii) Personal Securities Trading Policy Introduction As a leader in the financial services industry, Prudential Financial, Inc . (Prudential or Company) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (Policy) incorporating policies and procedures followed _____________ Prudential Financial, Inc – Covered and Access Persons must report new accounts promptly to the Securities Monitoring Unit, including new account numbers, to insure that transactions are sent to Prudential via electronic feed.(8) Prudential Financial, Inc . securities held at Computershare Trust Company, N.A. (Computershare formerly EquiServe Trust Company, N.A.) are not required to be transferred. New Associates who are subject to this requirement _____________ Prudential Financial, Inc – and accounts for which the Designated Person or his/her family member exercises investment discretion. 1. Brokerage Account Requirements for Designated Persons Designated Persons are required to hold and trade Prudential Financial, Inc . common stock and related equity derivative securities (PRU) only at an authorized broker-dealer. The authorized firms are Wachovia Securities, Pruco Securities, Charles Schwab, ETRADE, Fidelity Investments, and _____________ Prudential Financial, Inc –* business on the day preclearance is granted. 44 Exhibits Exhibit 1 Sample Letter to Brokerage Firm TO: Broker-Dealer RE: Account #: Date of Establishment: Dear Sir/Madam: Please furnish to Prudential Financial, Inc . (Prudential), copies of all trade confirmations and account statements with respect to all transactions for the above listed account(s). Please include all transactions in shares of unit investment _____________ Prudential Financial, Inc – unit investment trusts, exchange traded funds and all closed-end mutual funds. Copies of these confirmations and statements should be sent to Prudential, as trades are effected, addressed as follows: Prudential Financial, Inc . Compliance Department P.O. Box 919 Newark, NJ 07101-9998 This request is being made pursuant to Rule 3050 of the Conduct Rules of the NASD and/or Rule _____________ dt 1504933 ; Prudential Variable Contract Account 11 Prudential Variable Contract Account 11 ;	Wachovia Bank Wachovia Bank, NA ( Financial ) As referenced in this Trading Policy: Wachovia Bank, N.A. – compensation plans (including The Prudential Insurance Company of America Deferred Compensation Plan, the Amended and Restated American Skandia Lifestyle Security Plan, and the Trust Agreement Between Jennison Associates LLC and Wachovia Bank, N.A. ) are not susceptible to market timing due to the fact that the plans only permit one transaction per month. Therefore, transactions in these plans are exempt from both the _____________ dt 1579049
Preview Full Doc	2006	Trading Policy Trading Policy (170K) Doc #2440885: Click preview link for longer preview. Personal Securities Trading Policy Prudential Financial, Inc.- For Internal Use Only Revised 1/9/2006 B Version INTRODUCTION As a leader in the financial services industry, Prudential Financial, Inc. (ï¿½Prudentialï¿½ or ï¿½Companyï¿½) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (ï¿½Policyï¿½) incorporating policies and procedures followed by leading financial service firms. This Policy is designed to ensure Prudential and its associates . . . 2440885	Dryden Core Investment Fund Dryden Core Investment Fund ; Prudential Fin. Prudential Financial, Inc. ( Life Insurance ) As referenced in this Trading Policy: Prudential Financial, Inc – EX-99.(P)(2) 6 a06-8327_1ex99dp2.htm EX-99.(P)(2) Exhibit 99(p)(2) Personal Securities Trading Policy Prudential Financial, Inc .- For Internal Use Only Revised 1/9/2006 B Version INTRODUCTION As a leader in the financial services industry, Prudential Financial, Inc. (Prudential or Company) aspires to the highest _____________ Prudential Financial, Inc – Exhibit 99(p)(2) Personal Securities Trading Policy Prudential Financial, Inc.- For Internal Use Only Revised 1/9/2006 B Version INTRODUCTION As a leader in the financial services industry, Prudential Financial, Inc . (Prudential or Company) aspires to the highest standards of business conduct. Consistent with this standard, Prudential has developed a Personal Securities Trading Policy (Policy) incorporating policies and procedures followed _____________ Prudential Financial, Inc – Covered and Access Persons must report new accounts promptly to the Securities Monitoring Unit, including new account numbers, to insure that transactions are sent to Prudential via electronic feed.(8) Prudential Financial, Inc . securities held at Computershare Trust Company, N.A. (Computershare formerly EquiServe Trust Company, N.A.) are not required to be transferred. New Associates who are subject to this requirement _____________ Prudential Financial, Inc – and accounts for which the Designated Person or his/her family member exercises investment discretion. 1. Brokerage Account Requirements for Designated Persons Designated Persons are required to hold and trade Prudential Financial, Inc . common stock and related equity derivative securities (PRU) only at an authorized broker-dealer. The authorized firms are Wachovia Securities, Pruco Securities, Charles Schwab, ETRADE, Fidelity Investments, and _____________ Prudential Financial, Inc –* business on the day preclearance is granted. EXHIBITS Exhibit 1 Sample Letter to Brokerage Firm 44 TO: Broker-Dealer RE: Account #: Date of Establishment: Dear Sir/Madam: Please furnish to Prudential Financial, Inc . (Prudential), copies of all trade confirmations and account statements with respect to all transactions for the above listed account(s). Please include all transactions in shares of unit investment _____________ dt 1504936 ;	Wachovia Bank Wachovia Bank, NA ( Financial ) As referenced in this Trading Policy: Wachovia Bank, N.A. – compensation plans (including The Prudential Insurance Company of America Deferred Compensation Plan, the Amended and Restated American Skandia Lifestyle Security Plan, and the Trust Agreement Between Jennison Associates LLC and Wachovia Bank, N.A. ) are not susceptible to market timing due to the fact that the plans only permit one transaction per month. Therefore, transactions in these plans are exempt from both the _____________ dt 1579051
Full Doc	2007	Proxy Voting Policies Proxy Voting Policies (13K) Doc #2719773: This document is immediately available for purchase, but does not have a preview available for viewing. 2719773	Phoenix Cos. Phoenix Companies, Inc. ( Life Insurance )
Full Doc	2008	Variable Universal Life Insurance Variable Universal Life Insurance (3K) Doc #3402126: This document is immediately available for purchase, but does not have a preview available for viewing. 3402126	Nationwide Life Nationwide Life Insurance Co. ( Insurance )

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