American Income Life Senior Whole Life Presentation September 2014

Senior Presentation - The Senior presentation will be for someone ages 60 and older. - The videos have been enhanced to appeal to the Senior Market. - Two new Introductory Offers (No-cost benefits) have been added which better target the Senior Market. - Seniors typically no longer have the need for Income, Mortgage and College Protection - Of the four obligations at death, this presentation will focus on the Final Expense Benefit. - A&H coverage has been added to appeal to Senior’s needs by adding a living benefit.

Senior Presentation The intro screen will now require the Date of Birth of the client in order to begin the presentation. The Senior presentation will automatically be generated for applicants 60 years and older.

Introductory Offers A new Introductory offer is available in the Senior Presentation: - MedFacts Kit/ Memorial Guide These benefits are designed to appeal more to the senior market and should also result in increased referral collection. These should be used in addition to the standard no-cost benefits.

Transition to Survey The ‘Continue’ button on the Read off Letter (or when exiting the Introductory offers for referral, POS and child safe) will take you directly to the survey. There is no ‘Need for Life Insurance’ video for Seniors since there is no term offer available.

Survey Questions The survey will now include a spot specifically for Grandchildren. As always, if Client is ‘Excluded from App’ the Headstart will automatically be generated. Mortgage information is not needed for Senior Presentation other than to evaluate the needs of the customer.

Survey Health Questions More specific qualifying questions for the Graded Whole Life are on the survey (certain states will have a Level Senior WL). If applicant doesn’t qualify due to a health issue (so long as it isn’t cancer), the cancer protection will be generated. The Final Expense benefit has a video for both Earth Burial and Cremation. Selecting the box will automatically generate that video.

Final Expense Benefit The logic will recommend and provide 15,000 of *GWL coverage (ages 60-80) regardless of the clients existing permanent life insurance. Premium will be based on 15,000 of *GWL coverage for their age NOT on a percentage of their monthly income. *Certain states will have a Level Senior WL instead of GWL.

Final Expense on Spouse If there is a spouse on the survey who is under 60 years of age they will be covered for regular Whole Life coverage.

Final Expense on Spouse The spouse on the survey who is under 60 years of age will have their own Super Combo application while the applicant who is over 60 years of age will be on the Senior Life Combo along with any A&H coverage for both applicants.

A71 Coverage A71000 will be automatically generated after the Final Expense video.

A71 Recap of Coverage The Proposal screen for the A71000 will now have the Summary of Benefits for the policy.

Option Close Option 1 will include everything and 15,000 of *GWL coverage. Option 2 will include everything and 10,000 of *GWL coverage. *Certain states will have a Level Senior WL instead of a GWL.

Cancer Coverage Cancer Product (state permitting) can be added from the drop down or will be automatically generated if applicant answers ‘yes’ to any health question (excluding cancer question) on the survey. The Proposal screen for the Cancer coverage will now have the Summary of Benefits for the policy.