Non Med Term 350 From Assurity Life Insurance

Non. Med Term 350 From Assurity Life Insurance Company H 280 -0710. Policy Form I L 0760 Product & rider availability, features and rates may vary by state. Policy may contain reductions of benefits, limitations and exclusions. FOR Agent Use Only For AGENT USE ONLY

Product Highlights A. Requires no medical exams - Processed through Assurity’s automated underwriting system B. Issue Classes - Select+ non-tobacco/tobacco - Select non-tobacco/tobacco - Standard non-tobacco/tobacco C. Death Benefit Min/Max - $50, 000 -$350, 000 D. Living Benefits (see Riders) E. Premiums - Level and guaranteed - 10, 15, 20 or 30 years - Convertible to whole life - Annually renewable after term period FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

Product Highlights Continued F. Monthly DI Rider - Up to $3, 000/mo. - 2 yr. benefit - 90 -day elimination G. Accident Only DI Rider - Lesser of 1. 5% of base or $3, 000/mo. - 2 yr. benefit - 90 -day elimination H. Critical Illness Rider - $100, 000 - 3 category approach I. Children’s Term Insurance Rider J. Return of Premium Rider (available on 20 -year and 30 -year plans) K. Policy Fee - $70, commissionable FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

SIMPLIFY YOUR LIFE & INCREASE YOUR INCOME Assurity’s E-APP FOR AGENT USE ONLY

Understanding the Automated Underwriting Engine Process Home Office “Automated Underwriter” E-Application FOR AGENT USE ONLY Decision

Assurity Niches • • Non-Medical Convenience – no needles or fluids Affordable Price – our Select+ rates are beating many of the Term shops’ standard rates, and our policy fee is commissionable Convertibility – immediate up to 2 years prior to term expiration Critical Illness Rider – yes, even on a non-med basis!! Critical Illness Rider – does not reduce/accelerate death benefits Applications – paper application and E-application Automated Underwriting Engine 2 nd Chance Underwriting – Not Accept/Reject FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

Liabilities The Situation Assets House debt Credit cards House debt Student loans Credit cards Car payments Student loans Cars House 401(K) Cars IRA 401(K) IRA Car payments Little Life Insurance/No Life Insurance Know anyone like this? FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

What Could We Do? • The answer is simple: – Term insurance up to $350, 000 – No medical • You have the protection you need then, right? FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

What Could We Do? • The answer is simple: G N O R W – Term insurance up to $350, 000 – No medical • You have the protection you need then right? FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

We protected them against death. . . Yes, But what about Life? !? FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

Disability Income Rider • Every 1. 5 seconds someone is disabled in the U. S. • Every 8 seconds someone is disabled by a work injury in the U. S. What about the 25% of people who become disabled longer than 6 months? National Safety Council, Injury Facts 2002 Editions FOR AGENT USE ONLY

Critical Illness Rider • Nearly 1. 5 million Americans declared bankruptcy in 2001 • 27% listed unpaid medical bills • Nearly half (46%) met at least one of the criteria for “major medical bankruptcy” What about the 48% of people who file for bankruptcy while having a major medical condition? *2004 Harvard Study on Bankruptcy FOR AGENT USE ONLY

Life Protection Male, 35, Non Tobacco, Select + – $300, 000 Death Benefit – $1, 500 DI Rider – $25, 000 CI Rider – $70. 27/month That’s protection through life and death! FOR AGENT USE ONLY

Prospecting • • Young Families Mortgage Script Existing Client Base Affordable Alternative to Permanent Insurance FOR AGENT USE ONLY Form No. I L 0760, R I 0762, R I 0763, I L 0760, R I 0827 -T, R I 0767

FOR AGENT USE ONLY