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        <Desc>IMR AMORTIZATION</Desc>
        <BusinessCd>524113</BusinessCd>
        <TotalRevenueColumnAmt>246331</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>UL SURRENDER CHARGE</Desc>
        <BusinessCd>524113</BusinessCd>
        <TotalRevenueColumnAmt>5333</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </ProgramServiceRevenueGrp>
      <ProgramServiceRevenueGrp>
        <Desc>ANNUITY WITHDRAWAL CHARGES</Desc>
        <BusinessCd>524298</BusinessCd>
        <TotalRevenueColumnAmt>24569</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </ProgramServiceRevenueGrp>
      <TotalProgramServiceRevenueAmt>19772242</TotalProgramServiceRevenueAmt>
      <InvestmentIncomeGrp>
        <TotalRevenueColumnAmt>12885740</TotalRevenueColumnAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </InvestmentIncomeGrp>
      <RoyaltiesRevenueGrp>
        <TotalRevenueColumnAmt>0</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>0</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </RoyaltiesRevenueGrp>
      <GrossRentsGrp>
        <RealAmt>465980</RealAmt>
      </GrossRentsGrp>
      <LessRentalExpensesGrp>
        <RealAmt>328626</RealAmt>
      </LessRentalExpensesGrp>
      <RentalIncomeOrLossGrp>
        <RealAmt>137354</RealAmt>
      </RentalIncomeOrLossGrp>
      <NetRentalIncomeOrLossGrp>
        <TotalRevenueColumnAmt>137354</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>137354</RelatedOrExemptFuncIncomeAmt>
      </NetRentalIncomeOrLossGrp>
      <GrossAmountSalesAssetsGrp>
        <SecuritiesAmt>5454592</SecuritiesAmt>
      </GrossAmountSalesAssetsGrp>
      <LessCostOthBasisSalesExpnssGrp>
        <SecuritiesAmt>5479004</SecuritiesAmt>
      </LessCostOthBasisSalesExpnssGrp>
      <GainOrLossGrp>
        <SecuritiesAmt>-24412</SecuritiesAmt>
      </GainOrLossGrp>
      <NetGainOrLossInvestmentsGrp>
        <TotalRevenueColumnAmt>-24412</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>-24412</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </NetGainOrLossInvestmentsGrp>
      <OtherRevenueMiscGrp>
        <Desc>YOUTH T-SHIRTS</Desc>
        <BusinessCd>525990</BusinessCd>
        <TotalRevenueColumnAmt>30</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>30</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
      </OtherRevenueMiscGrp>
      <OtherRevenueMiscGrp>
        <Desc>SUMMARY OF OVERFLOW PG 57</Desc>
        <BusinessCd>525990</BusinessCd>
        <TotalRevenueColumnAmt>-35012</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>-35012</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
        <ExclusionAmt>0</ExclusionAmt>
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      <OtherRevenueMiscGrp>
        <Desc>COMMISSIONS</Desc>
        <BusinessCd>525990</BusinessCd>
        <TotalRevenueColumnAmt>50</TotalRevenueColumnAmt>
        <RelatedOrExemptFuncIncomeAmt>50</RelatedOrExemptFuncIncomeAmt>
        <UnrelatedBusinessRevenueAmt>0</UnrelatedBusinessRevenueAmt>
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      </OtherRevenueMiscGrp>
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      <TotalRevenueGrp>
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        <ProgramServicesAmt>2571004</ProgramServicesAmt>
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        <ProgramServicesAmt>220248</ProgramServicesAmt>
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        <ProgramServicesAmt>2603</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <FeesForServicesAccountingGrp>
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        <ProgramServicesAmt>45440</ProgramServicesAmt>
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      <TravelGrp>
        <TotalAmt>86315</TotalAmt>
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      <ConferencesMeetingsGrp>
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        <ProgramServicesAmt>5892</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <InsuranceGrp>
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        <ProgramServicesAmt>64043</ProgramServicesAmt>
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      <OtherExpensesGrp>
        <Desc>RENT</Desc>
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      <OtherExpensesGrp>
        <Desc>DIVIDENDS</Desc>
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        <ProgramServicesAmt>4925</ProgramServicesAmt>
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        <FundraisingAmt>0</FundraisingAmt>
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      <OtherExpensesGrp>
        <Desc>COMMISSIONS</Desc>
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      <MethodOfAccountingOtherInd>X</MethodOfAccountingOtherInd>
      <AccountantCompileOrReviewInd>false</AccountantCompileOrReviewInd>
      <FSAuditedInd>true</FSAuditedInd>
      <FSAuditedBasisGrp>
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      <AuditCommitteeInd>true</AuditCommitteeInd>
      <FederalGrantAuditRequiredInd>false</FederalGrantAuditRequiredInd>
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      <TotalRevenuePerForm990Amt>32735992</TotalRevenuePerForm990Amt>
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      <ExpensesSubtotalAmt>30576187</ExpensesSubtotalAmt>
      <TotalExpensesPerForm990Amt>30576187</TotalExpensesPerForm990Amt>
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    </IRS990ScheduleI>
    <IRS990ScheduleJ documentId="IRS990ScheduleJ-01">
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      <SupplementalNonqualRtrPlanInd>false</SupplementalNonqualRtrPlanInd>
      <EquityBasedCompArrngmInd>false</EquityBasedCompArrngmInd>
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        <OtherCompensationFilingOrgAmt>2998</OtherCompensationFilingOrgAmt>
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        <NontaxableBenefitsFilingOrgAmt>0</NontaxableBenefitsFilingOrgAmt>
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    <IRS990ScheduleO documentId="IRS990ScheduleO-01" softwareId="23017509">
      <SupplementalInformationDetail>
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        <ExplanationTxt>Certificate Holders are members</ExplanationTxt>
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      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 7a</FormAndLineReferenceDesc>
        <ExplanationTxt>Policy Holders elect Officers and Directors</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 7b</FormAndLineReferenceDesc>
        <ExplanationTxt>Only Directors</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 11b</FormAndLineReferenceDesc>
        <ExplanationTxt>Yes, e-copies given to each Officer and Director</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 12c</FormAndLineReferenceDesc>
        <ExplanationTxt>Quarterly Board Meetings</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 19</FormAndLineReferenceDesc>
        <ExplanationTxt>Filed with Texas State Board of Insurance - Public Info</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt XII, Line 1</FormAndLineReferenceDesc>
        <ExplanationTxt>Texas State Board of Insurance Accounting Method</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15a</FormAndLineReferenceDesc>
        <ExplanationTxt>Supplemental Compensation Reort filed with Texas State Board of Insurnace annually</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>Pt VI, Line 15b</FormAndLineReferenceDesc>
        <ExplanationTxt>Supplemental Compensation Reort filed with Texas State Board of Insurnace annually</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>