A Comprehensive Protection Plan Protect Your Family | Protect Your Money M8620 (2-15) © 2015 Forethought

Protect Your Family 2  Few people have the resources necessary to pay for a funeral on short notice.  Paying for your final expenses could place a significant financial burden on your loved ones.  The TrustGuard Gold plan provides the confidence of knowing you have funds set aside to help pay for your final expenses. Since the TrustGuard Gold plan DOES NOT involve a contract to purchase any funeral, burial and/or cremation-related goods and/or services, it may be used at any funeral provider. M8570 (02-15) © 2015 Forethought

The Cost of Funerals NFDA General Price List Survey. (Note: This survey is not conducted annually); “Cremation Facts,” Cremation Association of North America, nfda.org, as of June 12, 2014; “How Much Does the Average Funeral Cost?” Mike Testa, FuneralTips.com, as of June 12, M8571 (02-15) © 2015 Forethought

The Cost of Long-Term Care  At least 70% of people over age 65 will need long-term care services and support at some point in their lifetime. 1  The national average cost of a home health aide is $30,240 per year. 2  The national average cost of a private room in a nursing home is $82,440 per year Medicare & You, National Medicare Handbook, Centers for Medicare and Medicaid Services, September U.S. Department of Health and Human Services data from , Paying for Long Term Care. Costs are based on 12, 30-day monthly periods. M8571 (02-15) © 2015 Forethought

A Comprehensive Protection Plan The TrustGuard Gold plan combines whole life insurance and a trust to help you:  Have funds available to help pay for your funeral without having to make detailed plans with a funeral provider. 1  Protect your assets from creditors like hospitals, nursing homes and banks, and may exempt your money from Medicaid limits, 2 depending on state laws.  Potentially pass remaining value to your estate or leave a legacy to your named beneficiaries, including a charitable organization or religious institution, depending on the type of plan you choose. 5 1 Since the TrustGuard Gold plan DOES NOT involve a contract to purchase any funeral, burial and/or cremation-related goods and/or services, it may be used at any funeral provider. 2 Medicaid rules, as well as their interpretation and application, vary by state and the ability to qualify for a state and/or federal public assistance program IS NOT guaranteed. You should always consult an elder-law attorney or a financial advisor who is knowledgeable in this area on your state’s specific rules pertaining to irrevocable assignments, Medicaid eligibility and on using a trust to protect your assets. The applicant’s individual circumstances at the time of application for government assistance will, in part, determine whether or not the policy will count as a resource. The judgment of the case worker handling the application will also be a factor. M8571 (02-15) © 2015 Forethought

Protect Your Money 6 1 Growth is not guaranteed. Tax free by IRS code section 101A. 2 Some restrictions may apply. M8571 (02-15) © 2015 Forethought

A Comprehensive Protection Plan  The TrustGuard Gold plan combines whole life insurance and a trust.  Ownership of the life insurance policy is irrevocably assigned to the trust.  The death benefit will be used to help pay your funeral expenses, and is typically paid to the funeral provider within 48 hours of filing the claim.  Remaining value is potentially passed to your named beneficiaries or your estate, depending on your choice of plan.  Death benefit is tax-free.  The value of your policy may be protected from creditors like hospitals, nursing homes and banks, and could be exempt from being considered an asset for Medicaid, 1 depending on state law. 7 1 Varies by state. Consult an attorney or financial advisor. M8571 (02-15) © 2015 Forethought

A Simple Process 8 M8571 (02-15) © 2015 Forethought 1 Growth is not guaranteed. Tax free by IRS code section 101A. 2 Some restrictions may apply.

9 Trust You Can Feel Good About 1 Ratings apply to financial strength of the issuing company and do not apply to any specific product offering. Forethought Life Insurance Company also subscribes to Standard & Poor’s and Moody’s rating services, A- (7th of 21) and Baa1 (8th of 21), respectively. Ratings are as of June 30, A- “Excellent” (4 th highest out of 16 ratings) stable outlook  Forethought Life Insurance Company has a history spanning three decades.  Experience and strength you can count on to meet commitments: –$10.2 billion in assets 1 –$569 million in capital and surplus YTD 1 –$139 million in life premium YTD 1  Highly rated by A.M. Best, the most common standard for insurance company financial strength. M8571 (02-15) © 2015 Forethought