EXHIBIT A

DISABILITY PER $100 INITIAL COVERAGE

No. of Months in which Indebtedness is payable	Nonretroactive Benefits			Retroactive Benefits
	14 Day Nonretroactive	30 Day Retroactive	7 Day Retroactive	14 Day Retroactive	30 Day Retroactive
1	$.13	$	.58	$.40	$
2	.42	.13	1.01	.81	.56
3	.68	.35	1.34	1.12	.91
4	.90	.53	1.60	1.36	1.17
5	1.08	.70	1.82	1.55	1.38
6	1.24	.85	2.01	1.71	1.54
7	1.37	.98	2.18	1.86	1.69
8	1.50	1.09	2.32	1.98	1.82
9	1.61	1.20	2.46	2.10	1.94
10	1.71	1.30	2.58	2.20	2.04
11	1.81	1.39	2.69	2.30	2.14
12	1.89	1.48	2.79	2.39	2.23
13	1.97	1.56	2.89	2.47	2.32
14	2.05	1.63	2.98	2.55	2.40
15	2.12	1.70	3.06	2.62	2.47
16	2.19	1.77	3.14	2.69	2.55
17	2.26	1.83	3.22	2.76	2.61
18	2.32	1.89	3.29	2.82	2.68
19	2.38	1.95	3.36	2.88	2.74
20	2.44	2.01	3.43	2.94	2.80
21	2.49	2.07	3.50	3.00	2.85
22	2.55	2.12	3.56	3.05	2.91
23	2.60	2.17	3.62	3.11	2.96
24	2.65	2.22	3.68	3.16	3.02
25	2.70	2.27	3.74	3.21	3.06
26	2.75	2.32	3.79	3.26	3.12
27	2.80	2.37	3.85	3.31	3.16
28	2.84	2.41	3.90	3.35	3.21
29	2.89	2.46	3.95	3.40	3.26
30	2.93	2.50	4.01	3.44	3.30
31	2.97	2.54	4.06	3.49	3.35
32	3.02	2.59	4.11	3.53	3.39
33	3.06	2.63	4.16	3.57	3.43
34	3.10	2.67	4.21	3.61	3.47
35	3.14	2.71	4.25	3.65	3.51
36	3.18	2.75	4.30	3.69	3.55
37	3.22	2.79	4.35	3.73	3.59
38	3.26	2.83	4.39	3.77	3.63
39	3.30	2.86	4.44	3.81	3.67
40	3.34	2.90	4.48	3.85	3.71
41	3.37	2.94	4.52	3.89	3.75
42	3.41	2.98	4.57	3.92	3.78
43	3.45	3.01	4.61	3.96	3.82
44	3.48	3.05	4.65	3.99	3.85
45	3.52	3.08	4.69	4.03	3.89
46	3.55	3.12	4.73	4.06	3.93
47	3.59	3.15	4.77	4.10	3.96
48	3.62	3.18	4.81	4.13	4.00
49	3.65	3.22	4.85	4.17	4.03
50	3.69	3.25	4.89	4.20	4.06
51	3.72	3.28	4.93	4.23	4.10
52	3.75	3.32	4.97	4.27	4.13

EXHIBIT A

(Continued)

ARKANSAS INSURANCE DEPARTMENT

No. of Months in which Indebtedness payable	Nonretroactive Benefits			Retroactive Benefits
	14 Day Nonretroactive	30 Day Nonretroactive	7 Day Retroactive	14 Day Retroactive	30 Day Retroactive
53	3.79	3.35	5.00	4.30	4.16
54	3.82	3.38	5.04	4.33	4.19
55	3.85	3.42	5.08	4.36	4.22
56	3.88	3.44	5.11	4.39	4.25
57	3.91	3.47	5.15	4.42	4.29
58	3.94	3.50	5.18	4.45	4.32
59	3.97	3.54	5.22	4.49	4.35
60	4.00	3.57	5.26

RULE AND REGULATION 12

EXHIBIT A

(Continued)

Disability Rates

Per $100 Initial Coverage

No. of Months in which Indebtedness is payable	60 Day Nonretroactive	60 Retroactive
1	$	$
2
3	.13	.44
4	.24	.73
5	.32	.92
6	.39	1.04
7	.46	1.15
8	.54	1.26
9	.62	1.37
10	.70	1.48
11	.78	1.58
12	.86	1.68
13	.92	1.76
14	.98	1.83
15	1.04	1.89
16	1.09	1.95
17	1.14	2.01
18	1.19	2.07
19	1.24	2.12
20	1.29	2.17
21	1.33	2.22
22	1.37	2.27
23	1.41	2.31
24	1.45	2.35
25	1.49	2.39
26	1.53	2.43
27	1.57	2.47
28	1.60	2.51
29	1.63	2.55
30	1.66	2.58
31	1.70	2.62
32	1.73	2.66
33	1.76	2.70
34	1.79	2.73
35	1.82	2.76
36	1.85	2.79
37	1.88	2.82
38	1.91	2.85
39	1.94	2.88
40	1.97	2.91
41	2.00	2.94
42	2.03	2.97
43	2.06	3.00
44	2.09	3.03
45	2.12	3.06
46	2.15	3.09
47	2.17	3.12
48	2.19	3.14

EXHIBIT A

(Continued)

ARKANSAS INSURANCE DEPARTMENT

No. of Months in which Indebtedness is payable	60 Day Nonretroactive	60 Day Retroactive
49	2.21	3.17
50	2.23	3.20
51	2.25	3.23
52	2.28	3.25
53	2.31	3.27
54	2.34	3.29
55	2.37	3.31
56	2.40	3.33
57	2.43	3.35
58	2.45	3.38
59	2.47	3.41
60	2.49	3.44