Agent Fast Start Program Product Introduction Fast Start

Agent Fast Start Program Product Introduction Fast Start 3 LNL 0937 1108

Whole Life vs. Term Life Peak Earnings & Asset Accumulation Debt Reduction Children Grandchildren Marriage/ First Home College / Work Term Life Retirement & Wealth Transfer Whole Life Begins Fast Start 3 Life Ends LNL 0937 1108

Open Survey and Complete Volunteers? Fast Start 3 LNL 0937 1108

Liberty Product Recommendation Fast Start 3 LNL 0937 1108

Play Laptop Presentation Final Expenses Fast Start 3 LNL 0937 1108

Not All Products Available in All States. Check Product Availability Chart Fast Start 3 LNL 0937 1108

Whole Life Fast Start 3 LNL 0937 1108

Whole Life without Extra Benefits Fast Start 3 LNL 0937 1108

Brochure Available for ages 0 -80 Face amounts of $2, 500, $5, 000, $10, 000, $15, 000. For ages 60 -80, $1, 000 face amount available. Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Guaranteed Premiums Guaranteed Cash Value Fast Start 3 LNL 0937 1108

Brochure Option to Purchase Additional Insurance Available Riders: Children’s Insurance, Primary Insured Term, Spouse Term Fast Start 3 LNL 0937 1108

Whole Life with Extra Benefits Fast Start 3 LNL 0937 1108

Brochure Available for ages 0 -59 Face amounts of $2, 500, $5, 000, $10, 000, $15, 000 Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Guaranteed Premiums Guaranteed Cash Value Fast Start 3 LNL 0937 1108

Brochure Option to Purchase Additional Insurance Automatically Included Benefits: Premium Waiver Accidental Death Auto Accident Travel Accident Fast Start 3 Two times face amount Three times face amount Five times the face amount LNL 0937 1108

Brochure Optional riders: • Children’s Insurance Rider • Primary Insured Term Rider • Spouse Term Rider Fast Start 3 LNL 0937 1108

Whole Life Fast Start 3 LNL 0937 1108

Brochure Available for ages 0 -70 Face amounts of $20, 000 and above Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Level Premiums Guaranteed Cash Value Paid-Up Insurance Based on Cash Value Fast Start 3 LNL 0937 1108

Brochure Options To Purchase include: Purchase additional insurance on the second and fourth policy anniversaries without proof of insurability. Available for ages 0 -55. Additional riders include: Accidental Death, Premium Waiver, Children’s Insurance Rider Fast Start 3 LNL 0937 1108

Term Fast Start 3 LNL 0937 1108

All Individual Term Products Use Application A-250 Fast Start 3 LNL 0937 1108

ART, MDT and LPDT Fast Start 3 LNL 0937 1108

Annual Renewable Term (ART) Fast Start 3 LNL 0937 1108

Play Laptop Presentation Monthly Income Fast Start 3 LNL 0937 1108

Brochure Available for ages 0 through 75 Minimum face amount is $20, 000 Minimum rider amount is $15, 000 Premiums are guaranteed for one year Fast Start 3 LNL 0937 1108

Brochure Premiums cannot exceed the policy’s guaranteed maximum premiums Renewable to age 100 Lump Sum or monthly income benefits Fast Start 3 LNL 0937 1108

Brochure Convertible to a permanent plan without proof of insurability prior to the insured’s 80 th birthday Extra Benefits: ADB PW Children’s Insurance Rider Primary Insured or Spouse Term Rider Fast Start 3 LNL 0937 1108

Proposal Illustration In NAIC states, the illustration will include a signature page. Customer signs page 3 if the illustration is exactly as applied for In NAIC states, if the illustration is different from what is applied for or no illustration is generated – Certification R-3408 must be submitted with the application Fast Start 3 LNL 0937 1108

Proposal Illustration In NAIC states, if certification R-3408 is submitted with the application or the policy is issued different than applied for, the illustration will print with the policy. The Agent is required to deliver the policy and get the illustration signed. The signed illustration page must be returned to the Home Office within 45 days or commissions will be charged back. Fast Start 3 LNL 0937 1108

Mortgage Decreasing Term (MDT) Fast Start 3 LNL 0937 1108

Play Laptop Presentation Mortgage Fast Start 3 LNL 0937 1108

Brochure An MDT policy is designed to provide coverage that decreases according to the number of years left on the mortgage and the mortgage interest rate The mortgage period may be between 10 and 35 years Fast Start 3 LNL 0937 1108

Brochure The interest rate may be for 5% to 20% in increments of. 25% Available only on Fixed-Rate Mortgages Same issue ages as ART – 0 through 75 Fast Start 3 LNL 0937 1108

Brochure Premiums are guaranteed for one year Convertible to age 80 Renewable to age 100 Fast Start 3 LNL 0937 1108

MDT FAQ Why would you buy an MDT instead of a 10 RT? A: With an MDT they only pay for the amount of coverage they need to pay off the mortgage. With the 10 RT they are paying for more coverage than is needed to pay off the mortgage. Fast Start 3 LNL 0937 1108

Complete Sample Proposal & Review Fast Start 3 LNL 0937 1108

Level Premium Decreasing Term (LPDT) Fast Start 3 LNL 0937 1108

No Brochure Designed to decrease the face amount enough each year to keep the premium level Fast Start 3 LNL 0937 1108

Complete Sample Proposal & Review Fast Start 3 LNL 0937 1108

Rates A proposal illustration should always be used when presenting one of the term products. In NAIC states a proposal illustration is required. Rates per thousand along with an example of how to calculate rates are on the rate sheet. Fast Start 3 LNL 0937 1108

Supplementary Benefits Brochure Fast Start 3 LNL 0937 1108

Premium Waiver (PW) Fast Start 3 LNL 0937 1108

If the primary insured is disabled between ages 5 and 60 premiums are waived as long as disability continues If the primary insured is disabled between ages 60 and 65 premiums are waived until age 65 Fast Start 3 LNL 0937 1108

If Premium Waiver is included on the base policy, then premium waiver must be included on any term rider(s) Although the PW premium is based on the age of the spouse, PW on a spouse rider covers the disability of the primary insured only, not the spouse Fast Start 3 LNL 0937 1108

PW may be rated or declined Disability must last 6 months before PW benefits will begin Issue ages 0 through 59 Coverage ceases at age 65 Fast Start 3 LNL 0937 1108

Accidental Death Benefit (ADB) Fast Start 3 LNL 0937 1108

An additional death benefit if the insured’s death results, directly and independently of all other causes, from an accidental bodily injury Maximum ADB is equal to the base plan face amount, subject to $150, 000 maximum Fast Start 3 LNL 0937 1108

$1. 45 annual premium per thousand for ADB on term plans For Whole Life, Unique Life, and 5 RT premiums, see rate pages Issue ages 1 – 59 ADB coverage ceases at age 65 Fast Start 3 LNL 0937 1108

Primary Insured/Spouse Term Rider Fast Start 3 LNL 0937 1108

Only one term rider may be added if the base policy is a term plan The term rider may be an ART, LPDT, MDT, 10 RC, 20 RC, VL 10, VL 20 policy Fast Start 3 LNL 0937 1108

Term riders are available in amounts of $15, 000 and above There is no policy fee for the term rider Fast Start 3 LNL 0937 1108

Children’s Insurance Rider Fast Start 3 LNL 0937 1108

Term insurance on the life of each child of the primary insured No benefit payable if a child is less than 15 days old at death Fast Start 3 LNL 0937 1108

Covered Children Child, Stepchild, Legally adopted child, be named in the application, be born and survive to age 15 days or be legally adopted by the insured after the date of application. Fast Start 3 LNL 0937 1108

Covered Children The child must be under age 19 last birthday on the effective date of the rider or on the date of legal adoption or the date of any supplemental application with respect to a stepchild. Fast Start 3 LNL 0937 1108

Issue Ages – 16 through 59 (primary insured) Issue Amounts $5, 000, $10, 000, $15, 000, $20, 000 and $25, 000 The CIR cannot exceed the primary insured’s coverage (base policy plus rider) Fast Start 3 LNL 0937 1108

Coverage expires on the primary insured’s 65 th birthday Upon the death of the insured, future premiums will be waived to the expiry date Fast Start 3 LNL 0937 1108

Conversion – Prior to the child’s 25 th birthday and before the expiry date of the CIR The coverage may be converted to a new policy without evidence of insurability Fast Start 3 LNL 0937 1108

If the conversion request is received after the CIR has been in force five years, the amount of the new policy may be up to five times the amount provided by the insured child by the CIR, but may not exceed $50, 000. Otherwise the amount of the new policy is limited to the amount provided by the CIR Fast Start 3 LNL 0937 1108

The converted policy includes at no cost an option to purchase additional insurance (OPAI) with two option dates. They may be any two of the following: • • Fast Start 3 Attainment of ages 28 and 31 Marriage of the insured Live birth of a child born to the insured Legal adoption of a child by the insured LNL 0937 1108

All children are covered for one rate Fast Start 3 LNL 0937 1108

Interim Term Rider Liberty National can provide life insurance benefits to help cover hospital and doctor bills, mortgage or rent payments, funeral expenses and cemetery costs, auto loans, and unpaid credit cards. Fast Start 3 LNL 0937 1108

Interim Term Rider • Allows Interim Term Rider insurance coverage on each covered person for one month. Interim Term Rider coverage will terminate after the first month. • Fast Start 3 Available only on whole life and term insurance plans of $50, 000 face amount and under. Will NOT be available on Select Life 20, Payroll Deduction, or ALX. LNL 0937 1108

Interim Term Rider • The Interim Term Rider benefit will be equal to the initial death benefit on each covered person, up to the $50, 000 maximum amount (any Primary Insured Rider amount will count toward that maximum). No offer can be made if the total initial death benefit on any one insured, including Primary Insured Rider, exceeds $50, 000. • Accidental Death Benefit will be payable as provided by the policy, up to a $50, 000 maximum. • Use the A-250 application. Check box with blank line in question 14, and write in “Interim Term”. Fast Start 3 LNL 0937 1108

A-250 Application - Question #14: Interim Term Fast Start 3 LNL 0937 1108

Interim Term Rider Examples: Face Amount #1 -PI Base $30, 000 Interim Term Amount $30, 000 #2 -Base + Rider A. PI Base $30, 000 PI Rider $20, 000 Total $50, 000 B. PI Base $30, 000 PI Rider $30, 000 Total $60, 000 Fast Start 3 Not Available LNL 0937 1108

Interim Term Rider Examples: Face Amount Interim Term Amount #3 -Base + ADB PI Base $50, 000 PI PI ADB (If Acc. Death) $50, 000 Total $100, 000 #4 - Base+ Spouse + Children PI Base $30, 000 PI SI Rider $30, 000 SI CI Rider $10, 000 CI #5 - PI Base $75, 000 Fast Start 3 LNL 0937 1108

The Interim Term Rider effective date and expiry date will be printed in the policy. Fast Start 3 LNL 0937 1108

The Interim Term Rider will expire on the effective date of the policy. Fast Start 3 LNL 0937 1108

The Interim Term Rider period begins on the effective date of this rider and ends on the expiry date. In no event will this rider and the policy to which it is attached be in force at the same time. No benefits are payable under this rider if benefits are payable under the policy. Fast Start 3 LNL 0937 1108

Cancer Care & Cancer Care Plus Fast Start 3 LNL 0937 1108

Play Laptop Presentation Cancer Insurance Fast Start 3 LNL 0937 1108

Cancer Care and Cancer Care Plus – Individual, Single Parent or Family Coverage Cancer Care Plus contains higher benefit amounts and a dread disease benefit Guaranteed renewable for life, cannot be cancelled as long as you pay premiums Benefits reduce at age 65 Refer to your state brochure for specific benefits. South Carolina has a related-illnesses benefit. Fast Start 3 LNL 0937 1108

Issue ages for Cancer are 0 – 63 Benefits paid to the insured unless otherwise directed in writing Under some governmental plans (such as Medicaid) benefits have already been assigned by the insured. There is a 30 -day waiting period Outlines of coverage required in some states. Refer to Agent’s Instruction Guide. Fast Start 3 LNL 0937 1108

Cancer Policy Application A-372 Fast Start 3 LNL 0937 1108

Application A-372 Each application has a unique number, cannot be downloaded or copied. When completing an application for family cancer coverage, the oldest spouse must be listed as the proposed insured. Premiums will be calculated based on the age of the oldest spouse. Fast Start 3 LNL 0937 1108

Individual Rates Florida has different rates on cancer Worksite Rate Cards Florida R-3290 F Georgia R-3290 -G South Carolina R-3290 -S All others R-3290 Fast Start 3 LNL 0937 1108