FOR AGENT USE ONLY

NonMed Term 350

For Agent Use Only

H280-0710. Policy Form I L0760Product & rider availability, features and rates may vary by state. Policy may contain reductions of benefits, limitations and exclusions.

From Assurity Life Insurance Company

FOR AGENT USE ONLY Form No. I L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

Product HighlightsA. 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

A. Death Benefit Min/Max - $50,000-$350,000

B. Living Benefits (see Riders)

C. 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 L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

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

Product Highlights Continued

FOR AGENT USE ONLY

FOR AGENT USE ONLYFOR AGENT USE ONLYDecision

“Automated Underwriter”

Understanding the Automated Underwriting Engine

Process

Home Office

E-Application

FOR AGENT USE ONLY Form No. I L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

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

• 2nd Chance Underwriting – Not Accept/Reject

FOR AGENT USE ONLY Form No. I L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

The Situation

Little Life Insurance/No Life Insurance

Know anyone like this?

House debtCredit cards

Student loansCar payments

House

Cars

401(K)

IRA

Liabilities Assets

House

Cars

401(K)

IRAHouse debtCredit cards

Student loansCar payments

FOR AGENT USE ONLY Form No. I L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

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 L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

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 L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

We protected them

against death... Yes,

But what about Life?!?

FOR AGENT USE ONLY

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.

National Safety Council, Injury Facts 2002 Editions

What about the 25% of people who become disabled longer than 6 months?

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”

*2004 Harvard Study on Bankruptcy

What about the 48% of people who file for bankruptcy while having a major medical condition?

FOR AGENT USE ONLY

Male, 35, Non Tobacco, Select +

– $300,000 Death Benefit– $1,500 DI Rider– $25,000 CI Rider

– $70.27/month

FOR AGENT USE ONLY Form No. I L0760, R I0762, R I0763, I L0760, R I0827-T, R I0767

Prospecting

• Young Families• Mortgage Script• Existing Client Base• Affordable Alternative to Permanent Insurance

FOR AGENT USE ONLY