Introducing Phoenix Remembrance Life A Whole Life Policy

Introducing Phoenix Remembrance Life A Whole Life Policy Unlike Any Other Presenter’s Title Date Item#L 5085 PPT BPD 38652 (2/13) For Agent Use Only. Not for distribution to the public as sales literature.

Introducing Phoenix Remembrance Life A final expense policy designed for several needs: Security Income Family Traditions Higher Education For Agent Use Only. Not for distribution to the public as sales literature.

Introducing Phoenix Remembrance Life Offers two unmatched benefits for one LOW premium: LUMP-SUM DEATH BENEFIT With flexibility to allocate coverage: 50% 75% 25% + + INCOME STREAM paid to age 85, or 5 years, by required Additional Income Coverage Rider (AICR) 50% 25% 75% *AICR benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue. Product features, rider options and availability may vary by state. For Agent Use Only. Not for distribution to the public as sales literature.

Introducing Phoenix Remembrance Life Included features at NO additional premium: ►Critical Illness Rider: 50% advance* of lump-sum death benefit ►Terminal Illness Rider: up to 95% advance* of lumpsum death benefit ►Accidental Death Benefit: additional amount paid equal to 100% of lump-sum death benefit, up to age 75 *Exercise fees apply Product features, rider options and availability may vary by state. For Agent Use Only. Not for distribution to the public as sales literature.

Introducing Phoenix Remembrance Life Optional benefits for future generations*: ► Legacy Rider – annual birthday gift payments to Rider Beneficiary ─ Paid until age 22 ─ Children ages 0 -15 are eligible ► Benefit payments begin upon the death of the Insured *Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue. Product features, rider options and availability may vary by state. For Agent Use Only. Not for distribution to the public as sales literature.

Introducing Phoenix Remembrance Life Optional benefits for future generations*: ► Education Benefit Rider – 4 consecutive annual installment payments for college tuition ─ Children ages 0 -15 are eligible ─ Payments begin between ages 18 -22 ─ Requires annual verification of attendance at an eligible educational institution Or ─ Full-time active-duty enlistment in the United States Military ► Benefits are available upon the death of the Insured *Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue. Product features, rider options and availability may vary by state. For Agent Use Only. Not for distribution to the public as sales literature.

Introducing Phoenix Remembrance Life Supplemental income benefit options*: ► Lifetime Income Rider - monthly income for life of Rider Beneficiary ► Income Term Rider - monthly income to Rider Beneficiary’s age 65 ► Income begins upon the death of the Insured *Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue. Product features, rider options and availability may vary by state. For Agent Use Only. Not for distribution to the public as sales literature.

Hypothetical Example John (age 60) is making preparations for his wife (age 60) and grandchild so they are financially taken care of once he is gone. He is building his Remembrance Life policy to provide income for his wife. Additionally, John is planning for his grandchildren’s birthdays and college education in case of his premature passing. John’s Phoenix Remembrance Life policy provides: ü $20, 000 Total Coverage Amount – includes lump-sum and AICR payments. John chose a 25/75 allocation for his policy. ü Legacy Benefit for each grandchild - $100 annually ü Education Benefit for each grandchild - $5, 000 annually For Agent Use Only. Not for distribution to the public as sales literature.

John’s Remembrance Life Policy Agent Name Phoenix Agent Client Name John Smith State North Carolina Insured Risk Class Non-Tobacco (Preferred) Premium Mode Monthly Insured Age 60 Insured Gender Benefit Amount Coverage and Riders: Totals Benefit Allocation Death Benefit/AICR Policy Death Benefit 25/75 Additional Income Coverage Rider (AICR) John’s Wife 60 M Premium Amount $102. 93/mth $20, 000 $57. 18/mth $5, 000 $15, 000 Female Monthly Premium: $103 Lifetime Income Rider Income Term Rider Legacy Rider # of Beneficiaries Grandaughter 8 Female 2 Education Benefit Rider # of Beneficiaries Grandaughter 8 Female 2 $100/yr $0. 93/mth $5, 000/yr $21. 95/mth AICR, Legacy Rider and Education Benefit Rider amounts are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. For Agent Use Only. Not for distribution to the public as sales literature.

John’s Remembrance Life Policy Benefit Summary This Policy’s Minimum Benefit (Base Death Benefit) $5, 000 Maximum Potential* Benefit $62, 800 Potential* Income Benefit Additional Income Coverage Rider & Optional Income Riders Potential* Legacy Benefit Potential* Education Benefit $15, 000 $2, 800 $40, 000 * Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. For Agent Use Only. Not for distribution to the public as sales literature.

Let’s Compare Phoenix Remembrance Life Male, Issue Age 60, Preferred Female AICR Beneficiary, Age 60 ► $20, 000 Total Coverage Amount United Home Life Express Issue Premier National Western 15 Year Living Benefit Term Male, Issue Age 60, Non-Tobacco (25% lump-sum/75% AICR) ► $5, 000 Annual Education Benefit per child ► $100 Annual Legacy Rider per child Lump-sum Death Benefit (min. guaranteed benefit) Maximum Potential Benefit* Monthly Premium $55 monthly difference Face Amount $5, 000 $62, 800 Monthly Premium $103 $660 annual difference United Home Life $20, 000 National Western $42, 800 Total $62, 800 United Home Life $89 National Western $70 Total $158 35% Savings! Supplemental illustration for hypothetical purposes only. See the full illustrations provided by your presenter for all products for a complete information about each product’s features and benefits. The policies compared will have similar but not identical benefits and may have additional features and benefits not illustrated. All material benefits must be considered before recommending one policy over another. *Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. For Agent Use Only. Not for distribution to the public as sales literature.

Let’s Compare Cumulative Premium Maximum Potential Benefits $ 45 000 $ 70 000 40 000 60 000 35 000 50 000 30 000 25 000 40 000 20 000 30 000 15 000 20 000 10 000 5 000 Insured’s 61 63 65 67 69 71 73 75 77 79 81 83 85 age at death Phoenix Remembrance Life United Home Life / National Western Phoenix Remembrance Life Minimum Guaranteed See previous slide for policy assumptions. Maximum benefit amounts for Remembrance Life are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. Rider premiums cease when rider terminates. For Agent Use Only. Not for distribution to the public as sales literature.

Remembrance Life Calculator Use the Remembrance Life Calculator for Quick Custom Quotes Solve for benefit amount or premium Fully adjustable quotes Easy to read output For agent use only. Not for distribution to the public as sales literature. For Agent Use Only. Not for distribution to the public as sales literature.

Hypothetical Example Meet Sally Mae (age 50) and her sister Emma Lu (age 45). Emma Lu is widowed and relies on her sister to help take care of her. Sally Mae is taking out a policy to ensure her sister is taken care of financially once she is gone. Also, if she dies prematurely, she wants to help her nieces and nephew go to college, so she has purchased the legacy and educational benefit for each of them. Sally Mae’s Phoenix Remembrance Life policy provides: ü $20, 000 Total Coverage Amount – includes lump-sum and AICR payments. Sally Mae chose a 50/50 allocation for her policy. ü Legacy Benefit for all three children - $200 each annually ü Education Benefit for all three children - $5, 000 each annually For Agent Use Only. Not for distribution to the public as sales literature.

Sallie Mae’s Remembrance Life Policy Agent Name Phoenix Agent Client Name Sallie Mae Smith State Florida Insured Risk Class Non-Tobacco (Preferred) Premium Mode Monthly Insured Age 50 Insured Gender Benefit Amount Coverage and Riders: Totals Benefit Allocation Death Benefit/AICR Policy Death Benefit 50% / 50% Additional Income Coverage Rider (AICR) Emma Lu Doe 45 F Premium Amount $58. 56/mth $20, 000 $37. 26/mth $10, 000 Female Monthly Premium: $58. 56 Lifetime Income Rider Income Term Rider Legacy Rider # of Beneficiaries 3 Peggy Sue 8 Female $200/yr $0. 64/mth John Michael 10 Male $200/yr $0. 55/mth Holly Mae 12 Female $200/yr $0. 48/mth Education Benefit Rider # of Beneficiaries 3 Peggy Sue 8 Female $5, 000/yr $6. 92/mth John Michael 10 Male $5, 000/yr $6. 50/mth Holly Mae 12 Female $5, 000/yr $6. 20/mth AICR, Legacy Rider and Education Benefit Rider amounts are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. For Agent Use Only. Not for distribution to the public as sales literature.

Sallie Mae’s Remembrance Life Policy Benefit Summary This Policy’s Minimum Benefit (Base Death Benefit) $10, 000 Maximum Potential* Benefit $87, 200 Potential* Income Benefit Additional Income Coverage Rider & Optional Income Riders Potential* Legacy Benefit Potential* Education Benefit $10, 000 $7, 200 $60, 000 * Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. For Agent Use Only. Not for distribution to the public as sales literature.

Let’s Compare Phoenix Remembrance Life United Home Life Express Issue Premier National Western 15 Year Living Benefit Term Female, Issue Age 50, Preferred Female AICR Beneficiary, Age 45 ► $20, 000 Total Coverage Amount Female, Issue Age 50, Non-Tobacco (50% lump-sum/50% AICR) ► $5, 000 Annual Education Benefit per child (3) ► $200 Annual Legacy Rider per child (3) Lump-sum Death Benefit (min. guaranteed benefit) $10, 000 Maximum Potential Benefit* $87, 200 Monthly Premium $33 monthly difference Face Amount Monthly Premium $59 $396 annual difference United Home Life $20, 000 National Western $67, 200 Total $87, 200 United Home Life $51 National Western $41 Total $92 36% Savings! Supplemental illustration for hypothetical purposes only. See the full illustrations provided by your presenter for all products for a complete information about each product’s features and benefits. The policies compared will have similar but not identical benefits and may have additional features and benefits not illustrated. All material benefits must be considered before recommending one policy over another. *Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. For Agent Use Only. Not for distribution to the public as sales literature.

Let’s Compare Cumulative Premium Maximum Potential Benefits $ 25 000 $ 100 000 90 000 20 000 80 000 70 000 15 000 60 000 50 000 10 000 40 000 30 000 5 000 20 000 10 000 Insured’s 51 53 55 57 59 61 63 65 67 69 71 73 75 age at death Phoenix Remembrance Life United Home Life / National Western Phoenix Remembrance Life Minimum Guaranteed See previous slide for policy assumptions. Maximum benefit amounts for Remembrance Life are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. Rider premiums cease when rider terminates. For Agent Use Only. Not for distribution to the public as sales literature.

3 Easy Ways to Submit 1. One and Done! ü Fill out Part 1 of the Application ü Call Underwriting to complete the tele-interview 2. Convenient and Confidential ü Fill out Part 1 of the Application ü Client completes underwriting tele-interview at a scheduled time 3. Traditional ü Complete full paper application For Agent Use Only. Not for distribution to the public as sales literature.

Marketing Materials Consumer Brochure Agent Field Underwriting Guide Product Summary Optional Benefits Overview For Agent Use Only. Not for distribution to the public as sales literature. Agent Quick Reference Guide

Quick Quote Cards Total Coverage Amount Version Monthly Premium Version For Agent Use Only. Not for distribution to the public as sales literature.

Consumer Presentation Available on: ► DVD ► Brainshark ► Phoenix Landing Page ► PC Downloadable For Agent Use Only. Not for distribution to the public as sales literature.

Agent’s Virtual Kit ► Live links with automatic updates for always current material ► All sales tools in one easy spot ► Product highlights For Agent Use Only. Not for distribution to the public as sales literature.

Client Postcards – coming soon! For client prospecting For Agent Use Only. Not for distribution to the public as sales literature.

Other Resources ► Website: www. phoenixwm. phl. com/pc/index. jsp ─ ─ ─ Product information State availability Quotes Marketing material New business processing information ► Live Support Sales Desk 8 a. m. – 6 p. m. Eastern Life New Business 1 -800 -417 -4769 option 2, 2, 2 8: 30 a. m. – 5 p. m. Eastern • Product Information • Marketing Fulfillment • Application Help • Pending Case Status • New Business Questions • Underwriting Eligibility 1 -888 -794 -4447 For Agent Use Only. Not for distribution to the public as sales literature. Tele-interviews 1 -855 -249 -8441 8 a. m. – 8 p. m. Eastern

Why Phoenix Remembrance Life? ►Address more needs with one product ►Deepen client relationships ►Stand out from the competition ►Increase your average case size For Agent Use Only. Not for distribution to the public as sales literature.

Questions? Guarantees are based on the claims-paying ability of the issuing company, PHL Variable insurance Company or Phoenix Life Insurance Company. Phoenix Remembrance Life (1 CC 12 FEWL) is issued by PHL Variable Insurance Company (PHLVIC). In Maine and New York, Phoenix Remembrance Life is issued by Phoenix Life Insurance Company (PLIC). PHLVIC is not authorized to conduct business in Maine and New York. These insurers are separate entities and each is responsible only for its own financial condition and contractual obligations. Members of The Phoenix Companies, Inc. © 2013 The Phoenix Companies, Inc.