LIFE PLAN RANGE Financial Security for your family Retail Mass Market Broker Distribution February 2014

F2014 RISK ASSURANCE BENEFIT RANGE THE LIFE PLAN RANGE Pure Life Plan To provide your family with money and help them cope financially should you die. Life and Disability Plan To help you financially should you become disabled or to provide your family with money on your death. 1

F2014 RISK ASSURANCE BENEFIT RANGE PURE LIFE PLAN - PRODUCT FEATURES AND BENEFITS Minimum Cover:R Maximum Cover:R Maximum Entry Age:60 lbd Plan Type:Whole life Cover Increases:Cover increases annually at 5% Premium Increases:Premiums increase annually, initially targeting 5% (not guaranteed) Lives Covered:Cover for the policyholder only, who also needs to be the premium payer. A spouse may pay the premiums on the policyholder’s life HIV+diagnosed individuals qualify for cover Waiting Periods:Immediate accidental death Benefit Staggered non-accidental death over 12 months months: Benefit equal to premiums received months: 50% of cover amount 12+ months:100% cover amount 2

F2014 RISK ASSURANCE BENEFIT RANGE Income Assistance Benefit:10% of Benefit paid in 48 hours, subject to waiting period Funeral Support Benefit:Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the place of burial Medical Underwriting:No medical testing. Standard health questions apply Cover Ceases:When premiums cease or on death Money Back Guarantee:Equal to the total premiums paid, if non-accidental death occurs within the first 6 months Premium Holiday Benefit:Allows for up to six premiums to be skipped during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums Terminal Illness Benefit:On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death (available after 5 years) PURE LIFE PLAN - PRODUCT FEATURES AND BENEFITS 3

F2014 RISK ASSURANCE BENEFIT RANGE PURE LIFE PLAN R50 k R100 k R150 k R200 k R300 k R400 k 6 premium skips at any time 6 mnths5 years10 years15 years R500k 24 mnths Staggered Waiting Period Up to R Life Cover Immediate Accidental Death Benefit On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death Money-back Guarantee in first 6 months 4

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN - PRODUCT FEATURES AND BENEFITS Minimum Cover:R Maximum Cover:R Plan Type:Whole life Cover Increases:Cover increases annually at 5% Premium Increases:Premiums increase annually, initially targeting 5% (not guaranteed) Maximum Entry Age:60 lbd Lives Covered:Policyholder only Waiting Periods:Immediate accidental death/disability Benefit Staggered non-accidental death/disability over 12 months months: Benefit equal to premiums received months: 50% of cover amount 12+ months:100% cover amount 5

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN - PRODUCT FEATURES AND BENEFITS Cover Ceases:When premiums cease or on death/disability Money Back Guarantee:Equal to the total premiums paid, if non-accidental death/disability occurs within the first 6 months Premium Holiday Benefit:Allows for up to six premiums to be skipped during the term of the policy. This benefit is available again to the client, on payment of the skipped premiums Terminal Illness Benefit:On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death/disability (available after 5 years) Income Assistance Benefit:10% of Benefit paid in 48 hours, subject to waiting period Funeral Support Benefit:Transport of the deceased by road or air from anywhere in the world to a funeral home closest to the place of burial 6

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN - PRODUCT FEATURES AND BENEFITS Medical Underwriting:No medical testing. Standard health questions apply Deferred Period:Payment of disability claims may be subject to a 6-month deferred period, to allow for investigations into validity and permanence, that is the disability should have lasted continuously for 6 months. This may be waived if insured has permanent/irreversible loss. Policyholder may exercise the Premium Holiday option during this period (if it’s available) Exclusions:The disability exclusions are: -Injury or sickness in respect of which the insured received medical treatment during the three-year period prior to the date he/she became covered for disability benefits and as a result of which he/she became disabled within the three-year period after the date of commencement of his/her participation in the disability benefits -Disability due to self-inflicted actions (incl. attempted suicide) -Deliberate exposure to exceptional danger -War or armed conflict (whether it is declared or not), civil unrest and social revolt -Disability as a result of refusing medical treatment by a registered medical doctor -Disability as a result of being affected by alcohol or drugs -Disability due to radio activity or nuclear explosion 7

F2014 RISK ASSURANCE BENEFIT RANGE Access to the following Family Support Services* from independent service providers: 24 HOUR FAMILY SUPPORT SERVICES Health support*:Telephone access to health advisers for assistance with health queries. Trauma, assault and HIV treatment*:Assistance and treatment following assault (e.g. rape, hijacking, child abuse), accidental exposure to HIV or other kinds of trauma. Emergency medical response*:Advice, emergency treatment and transportation to an appropriate medical facility. Legal support*:Free telephone advice and assistance on legal matters, help with legal documents. Important note: *Family Support Services - Certain terms and conditions apply to the facilitation of this access. For a copy of these, call Old Mutual facilitates access to independent Family Support Service providers. Such access is not offered as a benefit under your insurance policy and may be varied or cancelled at any time. The service providers provide services directly to you on terms agreed between you and the service providers. Old Mutual does not accept any liability arising from the services rendered by the service providers. 8

F2014 RISK ASSURANCE BENEFIT RANGE LIFE & DISABILITY PLAN R50 k R100 k R150 k R200 k R300 k R400 k 6 premium skips at any time 6 mnths5 years10 years15 years R500k 24 mnths Staggered Waiting Period Up to R Life & Disability Cover Immediate Accidental Death/Disability Benefit On diagnosis of Terminal Illness, 50% of cover paid out immediately, remainder paid on death/disability Money-back Guarantee in first 6 months 9

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