We are focused on providing Traditional Reinsurance support to U.S. life insurance companies writing policies on U.S. lives. Our expertise on underwriting issues and mortality lies in this market, and we are therefore most confident in our ability to aggressively manage and price these risks. Our traditional reinsurance covers a number of products and structures for both new issues and inforce blocks of term and permanent individual life and annuity products.

Specifically, we offer YRT, coinsurance and Modified Coinsurance forms of reinsurance for:

• Term products
• Universal life
• Whole life
• Deferred annuities

At the heart of our Traditional pricing process is the Wilton Re policy of bilateral transparency. Simply put, we would like to put an end to reinsurance relationships in which neither the insurer nor reinsurer is sure of how the other is pricing. In the hopes of building a true working partnership, we would like you to share all of your pricing assumptions and data with us. Why? With that information, we will be able to provide you with our best possible quote.

Without that information we have to protect ourselves against the unknown. That protection can only mean a higher price for you. The fewer the unknowns, the more aggressively we can price. Further, we will provide you with equal transparency. Our Transparency Document, available anytime we are working on a quote for you, will provide you with all of the assumptions we have employed to build our pricing model. We want you to understand exactly how we derive our pricing. In fact, we invite your feedback on our Transparency Document. Show us that we have made a mistake in our assumptions, and we will run our models again.