1 May vary by jurisdiction. Illness Benefit Riders is $500,000

At GPM Life, we are dedicated to providing our customers, both policyholders and agents, with excellent performing life insurance products, supported by competent underwriting and administrative services, are backed by a company that continues to grow in size and financial strength.

• Headquartered in San Antonio, TX• Operating in 49 jurisdictions• Have been in business since 1934• Over $100 Million surplus

GPM LIFE INSURANCE COMPANY

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

1The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS.

Issue Age Ranges:Preferred Non-Tobacco 18-75Standard Plus Non-Tobacco 0-75Standard Express Non-Tobacco 0-75Standard Plus Tobacco 16-75Standard Express Tobacco 16-75 (for conversion only)

Minimum Face Amount: $25,000 for all issue ages, $100,000 for Preferred NT

Face Amount Bands: Band 1 $25,000-99,999Band 2 $100,000-200,000Band 3 $200,001 and above

Minimum Premiums:$15 Monthly $90 Semi-annually$45 Quarterly $180 Annually

Death Benefit Options: Option A pays the face amount (Level)Option B pays the face amount plus the accumulated value (Increasing)

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

1The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS.

Interest Rates:

Current – 4.25%, Years 1-15 Years 16 and up - Current +0.75% Guaranteed – 2.00%

Surrender Charges: 1st 14 years

Riders included: Terminal, Chronic, and Critical ( where approved)

Optional Riders for additional premium: (where approved)

Waiver of Cost of Insurance BenefitChildren’s Benefit RiderAccidental Death Benefit RiderGuaranteed Insurability BenefitAdditional Insurance RiderOther Insured Rider

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

1The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS.

CONSIDERATIONS

13 new states approved! - AL HI IL IN KS MD MA MN NH OH PA VA WA

UL - 1 Rider with 3 LBs included

Different disclosure form for UL

Agent Access - 2 separate app kits, 1 for UL, 1 for Term

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

1The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS.

ALL OTHER STATES….

Both Products - 3 LBRs for Term and UL (except PA – 1 rider)

Agent Access – 1 app kit for Term and UL

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

1The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS.

13 states - AL HI IL IN KS MD MA MN NH OH PA VA WA

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

1The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS.

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

Illustration System Demo

1The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS.

LIFE ALLIANCE with LIVING BENEFITSUNIVERSAL LIFE INSURANCE

Comparative Cases

LIFE ALLIANCE with LIVING BENEFITS

Thank You!We appreciate your business