LNL Fast Start 3 Agent Fast Start Program Product Introduction

LNL Fast Start 3 Whole Life vs. Term Life College / Work Marriage/ First Home Children Peak Earnings & Asset Accumulation Debt Reduction Whole Life Term Life Grandchildren Retirement & Wealth Transfer Life Begins Life Ends

LNL Fast Start 3 Open Survey and Complete Volunteers?

LNL Fast Start 3 Liberty Product Recommendation

LNL Fast Start 3 Play Laptop Presentation Final Expenses

LNL Fast Start 3 Not All Products Available in All States. Check Product Availability Chart

LNL Fast Start 3 Whole Life

LNL Fast Start 3 Whole Life without Extra Benefits

LNL Fast Start 3 Available for ages 0-80 Face amounts of $2,500, $5,000, $10,000, $15,000. For ages 60-80, $1,000 face amount available. Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Guaranteed Premiums Guaranteed Cash Value Brochure

LNL Fast Start 3 Option to Purchase Additional Insurance Available Riders: Children’s Insurance, Primary Insured Term, Spouse Term Brochure

LNL Fast Start 3 Whole Life with Extra Benefits

LNL Fast Start 3 Available for ages 0-59 Face amounts of $2,500, $5,000, $10,000, $15,000 Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Guaranteed Premiums Guaranteed Cash Value Brochure

LNL Fast Start 3 Option to Purchase Additional Insurance Automatically Included Benefits: Premium Waiver Accidental DeathTwo times face amount Auto AccidentThree times face amount Travel AccidentFive times the face amount Brochure

LNL Fast Start 3 Optional riders: Children’s Insurance Rider Primary Insured Term Rider Spouse Term Rider Brochure

LNL Fast Start 3 Whole Life

LNL Fast Start 3 Available for ages 0-70 Face amounts of $20,000 and above Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Level Premiums Guaranteed Cash Value Paid-Up Insurance Based on Cash Value Brochure

LNL Fast Start 3 Options To Purchase include: Purchase additional insurance on the second and fourth policy anniversaries without proof of insurability. Available for ages Additional riders include: Accidental Death, Premium Waiver, Children’s Insurance Rider Brochure

LNL Fast Start 3 Term

LNL Fast Start 3 All Individual Term Products Use Application A-250

LNL Fast Start 3 ART, MDT and LPDT

LNL Fast Start 3 Annual Renewable Term (ART)

LNL Fast Start 3 Play Laptop Presentation Monthly Income

LNL Fast Start 3 Available for ages 0 through 75 Minimum face amount is $20,000 Minimum rider amount is $15,000 Premiums are guaranteed for one year Brochure

LNL Fast Start 3 Premiums cannot exceed the policy’s guaranteed maximum premiums Renewable to age 100 Lump Sum or monthly income benefits Brochure

LNL Fast Start 3 Convertible to a permanent plan without proof of insurability prior to the insured’s 80th birthday Extra Benefits: ADB PW Children’s Insurance Rider Primary Insured or Spouse Term Rider Brochure

LNL Fast Start 3 In NAIC states, the illustration will include a signature page. Customer signs page 3 if the illustration is exactly as applied for In NAIC states, if the illustration is different from what is applied for or no illustration is generated – Certification R-3408 must be submitted with the application Proposal Illustration

LNL Fast Start 3 In NAIC states, if certification R-3408 is submitted with the application or the policy is issued different than applied for, the illustration will print with the policy. The Agent is required to deliver the policy and get the illustration signed. The signed illustration page must be returned to the Home Office within 45 days or commissions will be charged back. Proposal Illustration

LNL Fast Start 3 Mortgage Decreasing Term (MDT)

LNL Fast Start 3 Play Laptop Presentation Mortgage

LNL Fast Start 3 An MDT policy is designed to provide coverage that decreases according to the number of years left on the mortgage and the mortgage interest rate The mortgage period may be between 10 and 35 years Brochure

LNL Fast Start 3 The interest rate may be for 5% to 20% in increments of.25% Available only on Fixed-Rate Mortgages Same issue ages as ART – 0 through 75 Brochure

LNL Fast Start 3 Premiums are guaranteed for one year Convertible to age 80 Renewable to age 100 Brochure

LNL Fast Start 3 MDT FAQ Why would you buy an MDT instead of a 10RT? A: With an MDT they only pay for the amount of coverage they need to pay off the mortgage. With the 10RT they are paying for more coverage than is needed to pay off the mortgage.

LNL Fast Start 3 Complete Sample Proposal & Review

LNL Fast Start 3 Level Premium Decreasing Term (LPDT)

LNL Fast Start 3 No Brochure Designed to decrease the face amount enough each year to keep the premium level

LNL Fast Start 3 Complete Sample Proposal & Review

LNL Fast Start 3 A proposal illustration should always be used when presenting one of the term products. In NAIC states a proposal illustration is required. Rates per thousand along with an example of how to calculate rates are on the rate sheet. Rates

LNL Fast Start 3 Supplementary Benefits Brochure

LNL Fast Start 3 Premium Waiver (PW)

LNL Fast Start 3 If the primary insured is disabled between ages 5 and 60 premiums are waived as long as disability continues If the primary insured is disabled between ages 60 and 65 premiums are waived until age 65

LNL Fast Start 3 If Premium Waiver is included on the base policy, then premium waiver must be included on any term rider(s) Although the PW premium is based on the age of the spouse, PW on a spouse rider covers the disability of the primary insured only, not the spouse

LNL Fast Start 3 PW may be rated or declined Disability must last 6 months before PW benefits will begin Issue ages 0 through 59 Coverage ceases at age 65

LNL Fast Start 3 Accidental Death Benefit (ADB)

LNL Fast Start 3 An additional death benefit if the insured’s death results, directly and independently of all other causes, from an accidental bodily injury Maximum ADB is equal to the base plan face amount, subject to $150,000 maximum

LNL Fast Start 3 $1.45 annual premium per thousand for ADB on term plans For Whole Life, Unique Life, and 5RT premiums, see rate pages Issue ages 1 – 59 ADB coverage ceases at age 65

LNL Fast Start 3 Primary Insured/Spouse Term Rider

LNL Fast Start 3 Only one term rider may be added if the base policy is a term plan The term rider may be an ART, LPDT, MDT, 10 RC, 20 RC, VL 10, VL 20 policy

LNL Fast Start 3 Term riders are available in amounts of $15,000 and above There is no policy fee for the term rider

LNL Fast Start 3 Children’s Insurance Rider

LNL Fast Start 3 Term insurance on the life of each child of the primary insured No benefit payable if a child is less than 15 days old at death

LNL Fast Start 3 Child, Stepchild, Legally adopted child, be named in the application, be born and survive to age 15 days or be legally adopted by the insured after the date of application. Covered Children

LNL Fast Start 3 The child must be under age 19 last birthday on the effective date of the rider or on the date of legal adoption or the date of any supplemental application with respect to a stepchild. Covered Children

LNL Fast Start 3 Issue Ages – 16 through 59 (primary insured) Issue Amounts $5,000, $10,000, $15,000, $20,000 and $25,000 The CIR cannot exceed the primary insured’s coverage (base policy plus rider)

LNL Fast Start 3 Coverage expires on the primary insured’s 65th birthday Upon the death of the insured, future premiums will be waived to the expiry date

LNL Fast Start 3 Conversion – Prior to the child’s 25th birthday and before the expiry date of the CIR The coverage may be converted to a new policy without evidence of insurability

LNL Fast Start 3 If the conversion request is received after the CIR has been in force five years, the amount of the new policy may be up to five times the amount provided by the insured child by the CIR, but may not exceed $50,000. Otherwise the amount of the new policy is limited to the amount provided by the CIR

LNL Fast Start 3 The converted policy includes at no cost an option to purchase additional insurance (OPAI) with two option dates. They may be any two of the following: Attainment of ages 28 and 31 Marriage of the insured Live birth of a child born to the insured Legal adoption of a child by the insured

LNL Fast Start 3 All children are covered for one rate

LNL Fast Start 3 Interim Term Rider Liberty National can provide life insurance benefits to help cover hospital and doctor bills, mortgage or rent payments, funeral expenses and cemetery costs, auto loans, and unpaid credit cards.

LNL Fast Start 3 Interim Term Rider Allows Interim Term Rider insurance coverage on each covered person for one month. Interim Term Rider coverage will terminate after the first month. Available only on whole life and term insurance plans of $50,000 face amount and under. Will NOT be available on Select Life 20, Payroll Deduction, or ALX.

LNL Fast Start 3 Interim Term Rider The Interim Term Rider benefit will be equal to the initial death benefit on each covered person, up to the $50,000 maximum amount (any Primary Insured Rider amount will count toward that maximum). No offer can be made if the total initial death benefit on any one insured, including Primary Insured Rider, exceeds $50,000. Accidental Death Benefit will be payable as provided by the policy, up to a $50,000 maximum. Use the A-250 application. Check box with blank line in question 14, and write in “Interim Term”.

LNL Fast Start 3 A-250 Application - Question #14: Interim Term

LNL Fast Start 3 Interim Term Rider Examples: Face AmountInterim Term Amount #1-PI Base$30,000 #2-Base + Rider A. PI Base$30,000 PI Rider$20,000 Total$50,000 B. PI Base$30,000 PI Rider$30,000 Total$60,000Not Available

LNL Fast Start 3 Interim Term Rider Examples: Face AmountInterim Term Amount #3-Base + ADB PI Base$50,000$50,000 PI PI ADB (If Acc. Death) $50,000 Total$100,000 #4- Base+ Spouse + Children PI Base$30,000$30,000 PI SI Rider$30,000$30,000 SI CI Rider$10,000$10,000 CI #5- PI Base$75,000

LNL Fast Start 3 The Interim Term Rider effective date and expiry date will be printed in the policy.

LNL Fast Start 3 The Interim Term Rider will expire on the effective date of the policy.

LNL Fast Start 3 The Interim Term Rider period begins on the effective date of this rider and ends on the expiry date. In no event will this rider and the policy to which it is attached be in force at the same time. No benefits are payable under this rider if benefits are payable under the policy.

LNL Fast Start 3 Cancer Care & Cancer Care Plus

LNL Fast Start 3 Play Laptop Presentation Cancer Insurance

LNL Fast Start 3 Cancer Care and Cancer Care Plus – Individual, Single Parent or Family Coverage Cancer Care Plus contains higher benefit amounts and a dread disease benefit Guaranteed renewable for life, cannot be cancelled as long as you pay premiums Benefits reduce at age 65 Refer to your state brochure for specific benefits. South Carolina has a related-illnesses benefit.

LNL Fast Start 3 Issue ages for Cancer are 0 – 63 Benefits paid to the insured unless otherwise directed in writing Under some governmental plans (such as Medicaid) benefits have already been assigned by the insured. There is a 30-day waiting period Outlines of coverage required in some states. Refer to Agent’s Instruction Guide.

LNL Fast Start 3 Cancer Policy Application A-372

LNL Fast Start 3 Application A-372 Each application has a unique number, cannot be downloaded or copied. When completing an application for family cancer coverage, the oldest spouse must be listed as the proposed insured. Premiums will be calculated based on the age of the oldest spouse.

LNL Fast Start 3 Individual Rates Florida has different rates on cancer Worksite Rate Cards Florida R-3290F Georgia R-3290-G South Carolina R-3290-S All others R-3290