U.S. Financial Life Insurance began in 1974 and is a wholly-owned subsidiary of the MONY Group, a 157-year old company with more than $24 billion in assets and $86 billion of total insurance in-force. As of December 31, 2000 U.S. Financial Life Insurance had more than $156 million in assets and $15 billion of life insurance in-force

Aries 5, 10, 15, 20 and 30 by U.S. Financial Life Insurance Company, feature level guaranteed rates for 5, 10, 15, 20 and 13 years, respectively. They are guaranteed renewable to age 95 and provide insured with an opportunity for conversion or reentry.

During the first 10 years, you have the guaranteed right to convert this term policy to any of U.S. Financial's permanent cash-value universal or whole life plans prior to age 70