INTERNATIONAL Life Insurance Provides Estate Liquidity

INTERNATIONAL Life Insurance Provides Estate Liquidity, And Israel does not have an Estate Tax

INTERNATIONAL Estate Liquidity is only one slice of the planning pie

INTERNATIONAL Life Insurance is a … Tax Sheltered Asset Class Personal and Financial Hedge

INTERNATIONAL Life Insurance as a Personal and Financial Hedge Life Insurance as a Foundational Asset Class Past volatility and future events become 'smoothed out' into a gradual increase in wealth. Typical Perception of Wealth Accumulation

INTERNATIONAL Life Insurance as a Personal and Financial Hedge Life Insurance as a Foundational Asset Class Wealth is through 'ups and downs' that have trended upward, including unforeseen events, (so called 'black swans'). “Real World” of Wealth Accumulation

INTERNATIONAL Life Insurance as a Personal and Financial Hedge Life Insurance as a Foundational Asset Class Providing an immediate liquid asset upon death, no matter when that occurs, improves predictability. Life Insurance and Wealth Accumulation

INTERNATIONAL Life Insurance as a Personal and Financial Hedge Life Insurance as a Market Hedge and Diversification Strategy Guaranteed Universal Life Indexed Universal Life Bond Alternative Average and Standard Deviation based on annual returns ( ) or from inception (if shorter). Hypothetical Indexed Return based on 12%, 0% floor and 100% participation.

INTERNATIONAL Life Insurance as a Personal and Financial Hedge Life Insurance as a Time Hedge Life Insurance is the only financial asset that performs best over the short run, producing a decreasing ROR over the longer term. Years

INTERNATIONAL Life Insurance as a Personal and Financial Hedge Life Insurance as a Planning Hedge Buy / Sell Planning Key Person Insurance Estate Equalization Between Heirs

INTERNATIONAL Life Insurance as a Personal and Financial Hedge Life Insurance as a Currency Hedge Shekel vs. Dollar Graph

INTERNATIONAL Life Insurance as a Tax Sheltered Asset Class Life Insurance and Income Taxes Probably a couple of slides on this point

INTERNATIONAL How Many of These Apply to You? Income Tax Hedge Currency Hedge Time Hedge Planning Hedge Market Hedge Diversification Strategy Foundational Asset Estate Liquidity

INTERNATIONAL Single Premium Hypothetical Asset Analysis Illustrated Rate of 3% (Guaranteed Rate) YearAge Cumulative Deposit Liquid Value Endowment Value Multiple of Basis 151$2,398,130$1,977,472$10,000, $2,398,130$2,173,621$10,000, $2,398,130$2,447,071$10,000, $2,398,130$2,647,085$10,000, $2,398,130$2,842,855$10,000, $2,398,130$2,715,746$10,000, $2,398,130$2,174,771$10,000, $2,398,130$735,575$10,000, $2,398,130$0$10,000, $2,398,130$0$10,000, $2.39M Allocation for guaranteed $10M Trust Asset Illustrated values are guaranteed, absolute transfer of risk Provides significant, guaranteed Trust Asset multiplier to basis Example Economics 10 Million U.S. Dollar Guaranteed Trust Benefit Single & Level Premium Level Premium Hypothetical Asset Analysis Illustrated Rate of 3% (Guaranteed Rate) YearAge Cumulative Deposit Liquid Value Endowment Value Multiple of Basis 151$139,968$0$10,000, $699,840$251,306$10,000, $1,399,680$895,781$10,000, $2,099,520$1,516,143$10,000, $2,799,360$2,197,073$10,000, $3,499,200$2,664,237$10,000, $4,199,040$2,886,069$10,000, $4,898,880$2,558,547$10,000, $5,598,720$912,130$10,000, $6,298,560$0$10,000, $139,968 Allocation, per year, for guaranteed $10M Trust Asset Illustrated values are guaranteed, absolute transfer of risk Provides significant, guaranteed Trust Asset multiplier to basis Term to Age 100 Annual Cost: $116,375

INTERNATIONAL Single Premium to Endow Hypothetical Asset Analysis Illustrated Rate of 5.39% (25-year Lookback) YearAge Cumulative Deposit Liquid Value Endowment Value Multiple of Basis Internal Rate of Return 151$2,261,844$1,929,781$10,000, % 555$2,261,844$2,252,297$10,000, % 1060$2,261,844$2,640,237$10,000, % 1565$2,261,844$2,930,648$10,000, % 2070$2,261,844$3,676,946$10,000, % 2575$2,261,844$4,518,503$10,000, % 3080$2,261,844$5,461,305$10,000, % 3585$2,261,844$6,494,960$10,000, % 4090$2,261,844$7,494,294$10,000, % 4595$2,261,844$8,438,761$10,000, % Example Economics 10 Million U.S. Dollar Index-Linked Trust Benefit Single & Annual Premium to Endow Annual Premium to Endow Hypothetical Asset Analysis Illustrated Rate of 5.39% (25-year Lookback) YearAge Cumulative Deposit Liquid Value Endowment Value Multiple of Basis Internal Rate of Return 151$141,260$0$10,000, % 555$706,300$291,093$10,000, % 1060$1,412,600$787,056$10,000, % 1565$2,118,900$1,259,163$10,000, % 2070$2,825,200$2,169,081$10,000, % 2575$3,531,500$3,195,394$10,000, % 3080$4,237,800$4,345,662$10,000, % 3585$4,944,100$5,607,911$10,000, % 4090$5,650,400$6,832,160$10,000, % 4595$6,356,700$8,004,185$10,000, %

INTERNATIONAL Single Premium with Withdrawal of Basis Hypothetical Asset Analysis Illustrated Rate of 5.39% (25-year Lookback) YearAge Cumulative Deposit Liquid Value Endowment Value Multiple of Basis Internal Rate of Return 151$5,000,000$4,640,465$15,000, % 555$5,000,000$5,581,515$15,000, % 1060$5,000,000$6,946,964$15,000, % 1565$0$2,970,190$10,000,000N/A8.0% 2070$0$3,731,863$10,000,000N/A6.6% 2575$0$4,596,842$10,000,000N/A5.6% 3080$0$5,577,725$10,000,000N/A5.0% 3585$0$6,680,728$10,000,000N/A4.5% 4090$0$7,842,406$10,000,000N/A4.1% 4595$0$9,305,601$10,000,000N/A3.8% Example Economics 10 Million U.S. Dollar Index-Linked Trust Benefit Single Premium (Return of Premium) & Withdrawal of Basis vs Financed Financed Single Premium with Withdrawal of Basis Hypothetical Asset Analysis Illustrated Rate of 5.39% (25-year Lookback) YearAge Cumulative Interest Paid Liquid Value Net Endowment Value Multiple of Interest Paid Internal Rate of Return 151$175,000$4,640,465$10,000, % 555$875,000$5,581,515$10,000, % 1060$1,750,000$6,946,964$10,000, % 1565$2,275,000$2,970,190$10,000, % 2070$2,275,000$3,731,863$10,000, % 2575$2,275,000$4,596,842$10,000, % 3080$2,275,000$5,577,725$10,000, % 3585$2,275,000$6,680,728$10,000, % 4090$2,275,000$7,842,406$10,000, % 4595$2,275,000$9,305,601$10,000, % $5M Basis is withdrawn beginning of year 14 Assumes 3.5% loan interest paid in all years. $5M Basis is withdrawn in year 14

INTERNATIONAL Illustrative Example of Index-Linked Product with Return of Basis and Withdrawal Capital Deployment Incremental Cash Created Risk Transfer Capital Return Age 85

INTERNATIONAL General Process Citizenship and domicile Assets and liabilities Existing plans Needs and objectives Goal prioritization Jurisdictional hurdles Strategy development Cost / benefit analysis Solution optimization Recommendation Logistics outlines Procedural management Negotiations Monitoring and service 1. Discovery 2. Assessment 3. Planning 4. Implementation

INTERNATIONAL Enhanced Planning Through Bespoke Design Jurisdictional Top-rated countries for carriers and product ownership Alternative legal jurisdiction Process held outside of country of residence Minimal reporting requirements Institutional A+ rated companies Branches fully backed by parent companies In international market 100+ years Understanding of premium financing/third-party and personal Capacity $200M+ Product Ownership flexibility: Trust and personal insurance company Beneficiary designation: Heirs, trust, company, charity Liquidity: Cash value, death benefits, collateral assignment Product types: Indexed, guaranteed, current assumptions, term Contracts: U.S. Dollar-denominated

INTERNATIONAL Resources Internal Underwriting Bespoke case analytics Country-specific dossiers Language capabilities Due diligence procedures Premium financing expertise Marketing Strategic Partnerships International law firms International accounting firms Premium finance lenders Wealth-X International Presence One of very few direct writers of international products Austin, London, Mexico City, Nevis, New York, Toronto, Tortola