One Product, Multiple Solutions Beneficiary receives $250,000 Beneficiary receives $250,000 Beneficiary receives $250,000 Beneficiary receives $200,000 Receives 100% premium back $250,000 Life Ins. $50,000 Critical care $1,500 Acc. Disability With return of premium* Die Die Die Die Age 70 alive Age 41 Noninvasive Cancer Age 47 Invasive Cancer Age 50 Car accident Age 60 Heart Attack Age 67 Nursing Home Health Worsens Live Disabled Live Live Receives $50,500 from CI Rider Receives $1,500 month for two years $36,000 total Receives $50,000 from CI Rider Receives $50,000 from Accel. Benefit Rider Sample case of 30-year old male Life-Scape Term $250,000 life with riders: Disability Income $1,500 Critical Illness $50,000 Accelerated Benefit Rider. One Product, Multiple Solutions