eld. Massachusetts e1111-cool Survivorship Flexible Premium Adjustable Life Insurance Policy INSURED NO. 1 INSURED NO. 2 POLICY DATE ISSUE DATE JEFFREY KOGAN FAITH M KOGAN OCTOBER 26, 2011 DECEMBER 20, 2011 POLICY NUMBER 15,665,562 INITIAL FACE AMOUNT $5,000,000 Dear Policy Owner: READ YOUR POLICY