ADVANTAGE ADVANTAGE — 50 PLUS

1 3150(8/18) Trademark of Industrial Alliance Insurance and Financial Services Inc. used under license by IA American Life Insurance Company CN14-078 ADVANTAGE (Ages 0 through 49)& ADVANTAGE 50 PLUS(Ages 50 through 85)Whole Life InsuranceUnderwritten by:AmericanLife Insurance CompanyPlusAGENT GUIDEU nderwriting GuidelinesPremium Rates Immediate Death Benefit Plan, policy Form No. 3118 Return of Premium Benefit Plan, policy Form No. 3119 AGENT GUIDE FOR FIELD USE ONLY 2 Table of ContentsSECTION 1 - General InformationItem: Page #:Key Contact Information .. 3 Plan Descriptions .. 4 policy Specifications .. 4 Other Required Forms/Key Administrative Guidelines .. 5 Telephone Interview Information .. 6 Third Party Payor Guidelines .. 6 Product Software .. 7 Application Submission Instructions (Paper/Mobile/Remote) .. 7 State Specifics .. 7 State Approval Chart.

2 8 Non-USA Citizen Guidelines .. 9 Build Chart .. 10 Bank Draft Procedures .. 11 Commission/Advance Information .. 11 Rider Information / Descriptions .. 12 Grandchild Rider .. 12 Children's Insurance Agreement .. 12 Terminal Illness Rider .. 12 Confined Care Rider .. 12 SECTION 2 - Specific Information for ADVANTAGE -50 PlusAdvantage 50 Plus Specifics .. 13-38 Application Workflow Chart .. 14 Application Completion .. 15-17 Application Sample .. 18-19 Medical Impairment Guide .. 20-21 Prescription Reference Guide .. 22-36 Rates Per 1,000 .. 37-38 SECTION 3 - Specific Information for ADVANTAGE (0-49) ADVANTAGE (0-49) Specifics .. 39-62 Application Workflow Chart .. 40 Application Completion Steps .. 41-42 Application Sample .. 43-44 Medical Impairment Guide .. 45-46 Prescription Reference Guide .. 47-60 Rates Per 1,000 .. 61-62 3 SECTION 1 Everest / IA American / WFGKEY CONTACTSNew Agent Contracts- see Everest website: Go to Select option 1- Submit Agent Agreement Online Commission/Advancing Questions: Agents should contact WFG directly 770-246-9889 Marketing Sales Materials: see Everest s website: Go to Everest consumer brochures/flyers and Agent Sales Tool Kit are found under Step 2 Applications, Forms and Agent Guides are found under Step 3 Questions about Funeral Planning and Concierge Services: 800-913-8318 Underwriting: Agents should contact IA American directly 800-736-7311 Enter Prompts 1, 1, 1 Policyholder Service: Agents/Clients should contact IA American directly 800-736-7311 Enter Prompts 1, 1, 7 Submitting New Business.

3 Fax directly to IA American at 254-297-2100 Upload scanned applications - Mobile Application - Product Questions - IA American Agent Hotline: 800-736-7311 Enter Prompts 1, 1, 2 Agent eFile - monitor business written through IA American: Go to & click the Log In button for Agent efile The initial time you login, the password will be the last 4 digits of your tax ID. On this website you can: Track status of pending applications View scanned images of the applications you submit View any correspondence sent to your clients View reports for production, placement, persistency, of Operation:EverestIA AmericanWFG - HOST 24 Hours a Day 7 Days a Week 8:00 to 4:45 CT Monday through Friday 9:00 to 6:00 ET Monday through Friday 4 PLAN DESCRIPTIONS Our life insurance plans are specifically designed to uniquely meet the needs of individuals looking for final expense insurance.

4 These two plans offer a simplified approach to purchasing life insurance. "Immediate Death Benefit": Simplified issue whole life policy with a level death benefit of 100% of the face amount paid immediately."Return of Premium Benefit": Simplified issue whole life policy which pays return of premium (ROP) plus 10% interest for 3 years if the issueage is 0 to 64, 2 years if the issue age is 65 or older. 100% of the face amount is paid after graded period. 100% of the face amount is paid for accidental death, all Simple YES/NO applications No medical exams or blood work required Affordable rates that will not increase Benefits not subject to Federal income tax Cash value for emergencies and other needsPOLICY SPECIFICATIONSP roduct Name: ADVANTAGE 50 PlusAdvantageIssue Ages (Age Last Brithday):50 to 850 to 49 Premium Paying PeriodTo age 100To age 100 Minimum Death Benefit$5,000 $5,000 Maximum Immediate Death BenefitAges 50 to 75: $50,000 Ages 0 to 49: $50,000 Ages 76 to 85: $25,000 Maximum Return of Premium Death Benefit (ROP)Ages 50 to 85: $25,000 Ages 18 to 49: $25,000 policy Fee$80 (Commissionable)$80 (Commissionable)Modal Factors:Monthly Cost Riders Included:Terminal Illness Accelerated Benefit Rider*YesYesAccelerated Benefit Confined Care Rider* (not available on ROP Plan)YesYesOptional Benefits and Riders.

5 Grandchild Rider (also covers Great Grandchildren)YesNot AvailableChildren's Insurance Agreement Rider (not available on ROP plan)YesYesApplication No. (with some state variations)31213120*Included at no additional premium, where available. See page 12 for rider UNDERWRITINGE ligibility for coverage is based on: A simplified "YES/NO" application, & A telephone interview (if applicable), & Check with the Medical Information Bureau (MIB, Inc.), & Check with a Pharmaceutical related facility(s), & Proposed Insured s build (see the liberal height/weight charts found on page 10) 5 Practice Good Field Underwriting & Speed Up Your Turnaround Time!Underwriters will try to evaluate the risk as quickly as possible, so the following factors are essential: Good Field Underwriting Carefully ask all of the application questions and accurately record the answers. Client Honesty and Cooperation Underwriting relies heavily on the application; therefore, complete and thor-ough answers to the questions are necessary.

6 Please stress this and prepare the applicant for the telephone interview which will be brief, pleasant, professionally handled, and asking any health questions stress the importance for truthful and complete answers, including tobacco usage that will match information already in the applicant s medical records, national prescription database, MIB, MORE COMPLETE INFORMATION you can provide on the application significantly REDUCES the need to order medical records and speeds up issue Good Field Underwriting or an agent with a history of submitting applications with non-admitted medical information will likely receive special attention when their applications are reviewed by the Underwriting Department. Medical records on those applicants will be requested until the Underwriting Department believes that agent has corrected their field underwriting problems Do not let poor field underwriting contribute to unnecessary delays in both the issuing of your business and the payment of your REQUIRED FORMS / KEY ADMINISTRATIVE GUIDELINES Incomplete or unsigned applications applications that are not completed in their entirety or are missing required signatures will be amended or returned for completion.

7 Please make sure that all blanks are filled in and the application has been reviewed and signed by the Owner and Proposed insured. Also, remember to include your agent number. Terminal Illness Accelerated Benefit Riders Disclosure Statement, Form No. 3136 must be presented to the applicant and the agent must certify that it has been presented. Accelerated Benefit Confined Care Rider Disclosure Statement, Form No. 3134 must be presented to the applicant and the agent must certify that it has been presented when applying for the Immediate Death Benefit plan. HIPAA, Form No. 9526 must be submitted with each application. Replacement Form (if required) complete all replacement requirements as per individual state insurance replacement regulations. All changes must be crossed out and initialed by Proposed Insured. No white outs or erasures are permitted on the application. Applications for Return of Premium Plan While completing the health questions on the application with the proposed insured if you encounter a yes answer in the ROP section, that is the last health question that must be answered.

8 After that initial yes answer, the health questions following may be left unanswered. (NOTE: When the ROP plan is being applied for, a telephone interview is not required). Re-Writes on Same Insured If a second application is written on the same individual (1) within 6 months of the first policy being issued or (2) which increases the face amount to the maximum allowable for that age, medical records will be ordered on that individual by the Underwriting Department. Initial Premium The first full modal premium is required with the application, unless the initial premium is bank draft. The initial premium can be submitted in the form of applicant s personal check, E-Check, or bank draft for 1st premium. See page 11 in this guide for E-Check procedures. Applications on Juveniles (Issue Ages 0-17): If the grandparent or legal guardian applies for coverage on a child we need a copy of the guardianship papers.

9 All children within the family should be insured equally. We do not insure juveniles for more than their parents or legal guardians. Parents/Legal Guardians must have life coverage in force when applying for coverage on children. Juvenile questionnaires (Form No. 9825) are required to be submitted with the applications. 6 TELEPHONE INTERVIEW AT POINT-OF-SALEP rior to a policy being issued, the Proposed Insured must answer personal medical history questions via a tele- phone interview if the applicant is between the ages of 40 and 85. The interview is designed to confirm the answers given on the application. These telephone interviews should be completed point-of-sale before you leave the client s home. The applicant must always complete the telephone interview without assistance from the agent or another person. This telephone interview (conducted by Apptical) is automatically required on most applications based on the following chart: ProductIssue AgesImmediateReturn of PremiumAdvantage0-39 NoneNone40-49 YesYesAdvantage 50 Plus50-85 YesNoneStep 1: After fully completing the application, initiate the personal medical history telephone interview by calling Apptical s toll free number (877-351-1773).

10 Step 2: Identify yourself as the agent, IA American as the Company, and the product being applied for as " ADVANTAGE - 50 Plus" or " ADVANTAGE ". If you are conducting a remote sale over the phone , respond Yes when Apptical asks if you are conducting a 3-way with your client?Step 3: After you provide Apptical with some basic information on the Proposed Insured, the rest of the interview will be conducted between the interviewer and the Proposed 4: Once the interview has been completed with the Proposed Insured, you will be advised by Apptical a point-of-sale recommendation as to the appropriate death benefit plan for which the Proposed Insured should 5: In the upper, right-hand corner of the application, please check the box Yes next to Telephone interview completed Step 6: Insert the case number provided by the Apptical representative in the Telephone Case No. field located in the upper right corner of the application.