South Miami Beach, Florida2015 Symposium - Feb. 25-27, 2015

CLOSE-UPGROWTH

RETIREMENT

LIFE INSURANCE

INVESTMENT MANAGEMENT OPERATIONS

OUR VISIONReaching our goals for 2020Our Vision Here… Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum.

2014ACHIEVEMENTS

More than million customers

of Life Insurance in force

Top New Life Premium

Top in Whole Life Insurance Premium

13

102

$579

ASSETS UNDERMANAGEMENT

$639billion billion

2013 2014

RECORDHIGH

$650

ADJUSTEDCAPITAL

billion billion

2013 2014

RECORDHIGH

$14.5 $16.4

WHOLE LIFEINSURANCEPREMIUM

million million

2013 2014

RECORDHIGH

$415 $418

LIFE SALESGROWTH

IndustryAverage

16% 20%

RETIREMENT

billion billion

2013 2014

$8.9 $9.1

SPONSORRETENTION RATES

IndustryAverage

8% 10%

WORKSITESALES

billion billion

2013 2014

$1 $1.1

COMMUNITYDEDICATION

LIFEBRIDGEsm

MAKING A DIFFERNECE

Provides 50,000 Term Life Insurance Policies FREE to eligible parents/guardians:

• We pay the premiums - agents drive the program!

• Parent/Guardian dies during the 10-yr term, a $50,000 benefit funds a trust serviced by our trust to help pay children’s educational expenses.

• We are more than halfway to our goal to give away in coverage.$1billion

SAVINGSCRISIS

Roger Crandall, Chairman, President and CEO

SOLUTIONS

HOW TO SAVE AND HOW TO PREPARE

We are implementing programs to educate Americans .

The focus is on achieving the right outcomes through plan design and participant education. We know that two-thirds of a plan’s effectiveness is the result of proper design; one-third comes from participant outreach and education.

NEW

OutreachAndEducation

ProperDesign

1/3

2/3

NEWPROGRAMS

RETIRESMART PLANSMART

Using Real Data to help retirement plan participants – Are they on track to retire?

GOALReplace more than of their pre-retirement income at age 62, the age most people qualify for full Social Security retirement income benefits.

25%

Helps plan sponsors determine how many of their employees are on track to retire by adjusting their plan accordingly.

GOALLorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim

QUESTIONSAND ANSWERS