LifeScape® Term 350 Plus Life Insurance

Providing More Protection to Millennials:The Life Edition

$500,000 30-year Term LifeNon Tobacco, best rate class

Company Male, age 25Monthly cost

Female, age 25Monthly cost

Assurity $28.28 $20.88American General $32.35 $26.30Banner $32.73 $26.20North American $33.00 $26.84

PO Box 82533 • Lincoln, NE 68501-2533(800) 276-7619 • www.assurity.com

15-675-01111 (4/16)

Assurity Policy Form No. I L0760.

This material is CONFIDENTIAL AND FOR AGENT USE ONLY. NOT FOR USE WITH CONSUMERS. Any other use of this information such as for the solicitation of Assurity insurance policies is NOT authorized by Assurity. The policy descriptions of companies other than Assurity referenced in this material were not furnished by those companies and may not relate to the most current version of the policy. Quotes from other companies were obtained from IENetwork. This comparison provides a very brief description of Assurity’s interpretation of some of the important features of these products; only actual policies can provide detailed and exact information. This is not a full policy description and does not address state variations. Refer to the Assurity policy for complete details, limitations and exclusions.

The agent met their life insurance needs, but there’s more to the conversation.

What’s the right solution for Charlie and Cassidy ?

See the next page for the answer4

Charlie

and

Cassidy

Both 25

College grads each earning

$40,000

One young son

As they consider their future, they talk to their parents. Cassidy’s

dad suggests they meet with his insurance professional about life insurance.

The agent gives them a quick needs analysis using the L.I.F.E acronym.

L (Liabilities) $200,000 ($170,000 mortgage and $30,000 of student loans)I (Income) $200,000 ($40,000 x 5 years)F (Final needs) $20,000E (Education*) $80,000

LIFE = $500,000 total life insurance needs* for their son

The agent runs some quotes and realizes Assurity is very competitively priced in this demographic.

Based on their immediate needs, the insurance agent suggests a term policy

Assurity ranks No. 1 out of 42

$2,000/month Disability Rider – replaces 60% of their income for two years if they become disabled and are unable to work.$25,000 Critical Illness Rider – This rider will pay a lump sum upon diagnosis of a critical illness (heart attack, cancer, stroke) that could be used to supplement income while recovering.

Cassidy and Charlie like the fact that these living benefit riders pay in addition to the death benefit!

LifeScape®

** LifeScape Term 350 Plus Life policy with Preferred+ underwriting class.

15-675-01111 (4/16)

Case study continued...

For producer use only. Not for use with consumers.

Term 350 Plus Life Insurance

The agent wants to provide more protection for this millennial couple. So he incorporates living benefits into the sale.

$500,000 30-year Term 350 Plus Lifewith living benefits

Monthly rates, Preferred+

Cassidy CharlieTerm $20.88 $28.28$2,000/mo. DI Rider $29.37 $22.60$25,000 Critical Illness Rider $5.81 $5.13TOTAL $56.06 $56.01

PO Box 82533 • Lincoln, NE 68501-2533(800) 276-7619 • www.assurity.com

With a little additional thought, and for only about $56 per month each, the agent was able to help Cassidy and Charlie:

Cover their life insurance needs

Protect their income against a disability, and

Provide a lump sum pay-ment for critical illness

$500,000 death benefit

$2,000/month disability benefit

$25,000 critical illness benefit

Assurity Policy Form No. I L0760, underwritten by Assurity Life Insurance Company of Lincoln, Neb. Assurity is a marketing name for the mutual holding company, Assurity Group, Inc. and its subsidiaries. Those subsidiaries include, but are not limited to, Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.