Simplified Issue Whole Life Guaranteed Issue …

1 GUIDES implified Issue Whole LifeGuaranteed Issue Whole Life2 Inside: GIWL Rates ..2 EIWL Rates ..4 El Deluxe Rates .. 6 El Premier Rates ..8 Provider WL Standard Rates ..10 Provider WL Preferred Rates ..12 Provider WL Juvenile Rates ..13 Riders ..14 Rider Rates ..15 Premium Calculations ..16 Simplified Underwriting ..17 App Submission Tips ..18 Preferred UW Criteria ..19 Whole life Portfolio Five products for ages 0 to 801. Simple yes/no applications. Affordable, guaranteed2 coverage. Level Guaranteed premiums; Guaranteed cash values. Know Before You Go point-of-sale telephone interviews. No routine medical exams, bodily fluids testing3, or physician s statements. Initial premium can be drafted. Initial 1st-year commission paid daily if on EFT. Application can be taken over the phone. Electronic application available for final expense Markets: Middle Market. 50+ Market. Final Expense. Family Protection Needs. Juvenile Market. Clients who prefer Simplified Issue to full underwriting.

2 Clients who have previously been declined or labeled uninsurable. Clients who are overweight or who have significant health Product and rider/benefit availability, and Issue ages may vary by state. Issue ages vary by So long as premiums are paid. See policy for details. Exclusions and limitations may Excluding applicants written in Agent use only. Not for use with the general Non-TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $6,000 $7,000 $8,000 $9,000 $10, Non-TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $6,000 $7,000 $8,000 $9,000 $10, Issue Whole LifeGraded Benefit Endowment InsuranceIssue Ages: 45 75 (age last birthday)Face Amounts: $5,000 10,000 Rate Classes:Non-Tobacco/TobaccoAnnual Policy Fee:$50 (commissionable)No health questions, medical exams, physical exams, or Personal History Interviews (PHIs).

3 Graded Death Benefit During First Three Policy Years: Year 1: benefit payable equals refund of premium plus 6% interest. Year 2: benefit payable equals refund of premium plus 12% interest. Year 3: benefit payable equals refund of premium plus 18% death benefit payable if death occurs due to accidental causes in the first three policy and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may Factors: Semi-annual: .515 Quarterly: .260 Monthly EFT: .087 Direct Monthly Bill: .0953 Guaranteed Issue Whole LifeGraded Benefit Endowment InsuranceCommission Chargeback Policy: 100% chargeback if Insured dies during policy year 1. 50% chargeback of both first year and renewal commissions earned if Insured dies during policy year 2. No chargeback of earned commissions if Insured s death is due to accidental Guidelines:The Proposed Insured must be present when applying for a Guaranteed Issue WL policy. No power of attorney applications sales can be no more than 25% of an Agent s total production.

4 An Agent must place three non- Guaranteed Issue policies (excluding Protector AD accidental death coverage) for every one GIWL application addition, the Agent must affirm that the Proposed Insured: is not confined to a hospital, hospice, nursing home, or convalescent home. does not require home health nursing care. does not have AIDS or is not HIV positive. has not been diagnosed with an illness expected to cause death within 24 months. is not engaging in intravenous drug TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $6,000 $7,000 $8,000 $9,000 $10, TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $6,000 $7,000 $8,000 $9,000 $10, and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may Non-TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $15,000 $20,000 $25, Non-TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $15,000 $20,000 $25, Issue Whole LifeSimplified Issue Graded BenefitRate Classes:Non-Tobacco/TobaccoBuilt-in Rating:16 TablesAnnual Policy Fee:$50 (commissionable)Graded Death Benefit During First Two Policy Years: Year 1: benefit payable equals refund of premium plus 12% Year 2: benefit payable equals refund of premium plus 24% death benefit payable if death occurs due to accidental causes in the first two policy and rider/benefit availability, and Issue ages may vary by state.

5 Exclusions and limitations may AR, KS, NV, and PA: death benefit is 30% of face amount in policy year 1; 60% of face amount in policy year Factors: Semi-annual: .515 Quarterly: .260 Monthly EFT: .087 Direct Monthly Bill: .0955 Express Issue Whole LifeSimplified Issue Graded BenefitCommission Chargeback Policy: 100% chargeback if Insured dies during Policy Year declined applicants will be considered. Significant health issues and overweight clients considered. One-year look-back for Cancer, Heart Attack/surgery, Stroke, and drug abuse. For face amounts of $10,000 or more, no-cost built-in riders: * Identity Theft Waiver of Premium Rider Hospital Stay Waiver of Premium Rider Common Carrier Accidental Death Benefit RiderMale TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $15,000 $20,000 $25, TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $15,000 $20,000 $25, and rider/benefit availability, and Issue ages may vary by state.

6 Exclusions and limitations may apply.*See Page 14 for Non-TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $20,000 $30,000 $50, Issue Deluxe Simplified Issue Whole LifeIssue Ages: 20 80 (age last birthday)Face Amounts: $5,000 50,000 Rate Classes:Non-Tobacco/TobaccoBuilt-in Rating:8 TablesAnnual Policy Fee:$50 (commissionable)Ideal product for insulin-dependent diabetics, individuals receiving disability compensation, or those who have previously been declined by other insurance Non-TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $20,000 $30,000 $50, and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may Factors: Semi-annual: .515 Quarterly: .260 Monthly EFT: .087 Direct Monthly Bill: .0957 Male TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $20,000 $30,000 $50, , , , , , , Issue DeluxeSimplified Issue Whole LifeOptional Benefits & Riders:* Child Rider Accidental Death Benefit No-cost built-in Terminal Illness Accelerated Benefit Rider (for all face amounts).

7 A two-year look-back for Cancer, Heart/Circulatory Disorder, Stroke, Alzheimers, Dementia, Sickle Cell Anemia, Brain Tumor, Kidney Disease, Liver Disease, Lung Disease, ALS, Neurological disorders, and alcohol or drug TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $20,000 $30,000 $50, and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may apply.*See Page 14 for Issue PremierSimplified Issue Whole LifeIssue Ages: 20 - 80 (age last birthday)Face Amounts: $5,000 - 100,000 (through age 60)$5,000 - 50,000 (ages 61-80)Rate Classes:Non-Tobacco/TobaccoBuilt-in Rating:4 TablesAnnual Policy Fee:$50 (commissionable)Ideal product for clients with minor health issues, such as controlled high blood pressure or controlled high cholesterol, or Type II Diabetes (non-insulin dependent).Male Non-TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $25,000 $50,000 $100, Non-TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $25,000 $50,000 $100, and rider/benefit availability, and Issue ages may vary by state.

8 Exclusions and limitations may Factors: Semi-annual: .515 Quarterly: .260 Monthly EFT: .087 Direct Monthly Bill: .0959 Male TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $25,000 $50,000 $100, , , , TobaccoIssueAgeAnnualRate Per $1,000 Monthly EFT Premiums By Face Amount $5,000 $10,000 $25,000 $50,000 $100, Issue PremierSimplified Issue Whole LifeOptional Benefits & Riders:* Child Rider Accidental Death Benefit No-cost built-in Terminal Illness Accelerated Benefit Rider (for all face amounts).A two-year look-back for Schizophrenia or Bipolar Disorder, Diabetes requiring insulin treatment, or Systemic Lupus Erythematosus (SLE).Product and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may apply.*See Page 14 for Standard Non-TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, Standard Non-TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, Issue Whole LifeIssue Ages: 18 - 80 (age last birthday)Face Amounts: $10,000 - 150,000 (through age 50)$10,000 - 100,000 (ages 51-60)$10,000 - 50,000 (ages 61-80)Rate Classes:Preferred Non-Tobacco/ Standard Non-Tobacco/TobaccoAnnual Policy Fee:$50 (commissionable)No-cost built-in Terminal Illness Accelerated Benefit Rider for all face amounts.

9 *Product and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may apply.*See Page 14 for Factors: Semi-annual: .515 Quarterly: .260 Monthly EFT: .087 Direct Monthly Bill: .09511 ProviderSimplified Issue Whole life For all face amounts, optional benefits & riders:* Total And Permanent Disability Benefit (Waiver of Premium) Child RiderFor face amounts of $25,000 or more, no-cost built-in benefits & riders:* Common Carrier Accidental Death Benefit Rider life -Threatening Cancer Accelerated Benefit Rider Charitable Gift Donation BenefitMale Standard TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, , , , Standard TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may apply.

10 *See Page 14 for Preferred Non-TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, Preferred Non-TobaccoIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, and rider/benefit availability, and Issue ages may vary by state. Exclusions and limitations may Issue Whole LifePreferred Rate Class: Available for those who qualify. Non-tobacco clients only. Discounted premium. Least expensive Factors: Semi-annual: .515 Quarterly: .260 Monthly EFT: .087 Direct Monthly Bill: .09513 Male JuvenileIssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, Juvenile IssueAgeAnnual Rate Per $1,000 Monthly EFT Premiums By Face Amount $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150, and rider/benefit availability, and Issue ages may vary by state.