Simplified Advantage Simplified Life Insurance Solution for clients

Simplified Advantage Simplified Life Insurance Solution for clients who want Peace of Mind and NO MEDICAL EXAM

Typical Customer Profile �Wants Coverage Fast �Doesn’t Like Needles �Wants To Maintain Privacy �“White Coat Syndrome” �May Have Medical Issues �Easier to Qualify – Fewer Underwriting Requirements �Pre-Underwriting Coverage

Underwriting Issues Conditions making it hard to get coverage � Build � Diabetes � DUI / Driving record � Drug or alcohol abuse � Foreign Travel � Depression / Anxiety � Blood Pressure � Cholesterol � Family health history � Occupation / Sports Do you know anyone affected by one or more of these issues? Simplified issue life insurance is a solution.

Simplified Advantage o Permanent life insurance guaranteed level premium o No medical exam, no APS, no fluids or needles o Guaranteed cash values o Maximum Face Amount $100, 000 o NO PREMIUM MODAL FACTOR o ACTUAL AGE CALCULATION o Issued with limited proof of insurability (7 Questions)

Simplified Advantage o Insurance amount doubles in case of accidental death o Issue ages o o Age 40 to 70 o Age 71 to 80 $5, 000 to $100, 000 $50, 000 Guaranteed cash value option after 3 years

Simplified Advantage Living benefit 50% of the sum insured in the event of a first-time occurrence of a terminal illness Annual fee policy rider (spouse) $60. 00 $0 Insurance coverage is immediate (no deferred option) Currently Paper application approved in 5 Business days

Medical Questions

Medical Questions

Build Chart

What about cost? �Premiums for a simplified issue life insurance are higher than those of a traditional whole life policy. �A higher risk is accepted by the insurance company on this type of product. �However, premiums for a simplified issue product may be lower than you think!

Rate Table

57 Male NS La Capitale Assumption Life IA Equitable 10, 000 35. 30 38. 47 37. 29 37. 59 25, 000 80. 75 88. 07 85. 12 87. 23 50, 000 156. 50 170. 73 164. 84 169. 97 75, 000 232. 25 N/A N/A 100, 000 308. 00 N/A N/A

70 Male NS La Capitale Assumption Life IA Equitable 10, 000 80. 70 82. 92 80. 46 82. 02 25, 000 194. 25 199. 19 193. 05 198. 29 50, 000 383. 50 392. 99 380. 70 392. 09 75, 000 572. 75 N/A N/A 100, 000 762. 00 N/A N/A

65 Female NS La Capitale Assumption Life IA Equitable 10, 000 45. 30 46. 36 45. 70 45. 46 25, 000 105. 75 107. 80 106. 16 106. 90 50, 000 206. 50 210. 20 206. 91 209. 30 75, 000 307. 25 N/A N/A 100, 000 408. 00 N/A N/A

Highest Commission in the Industry FYC is 45% BONUS*

Loyalty Bonus Ø Ø Ø Minimum ann. Prod. of $10, 000 in FYC for Life plans Minimum of 12 issued applications Additional compensation percentage increases each consecutive year. Consecutive years 1 2 3 4 Addn’l Bonus (% of FYC) 15% 20% 25% 30% Qualifies For Convention

OUR MAIN FOCUS Helping You Help Your Clients