1 May vary by jurisdiction. Illness Benefit Riders is $500,000

At GPM Life, we are dedicated to providing our customers, both policyholders and agents, with excellent performing life insurance products, supported by competent underwriting and administrative services, are backed by a company that continues to grow in size and financial strength. Headquartered in San Antonio, TX Operating in 49 jurisdictions Have been in business since 1934 Over $100 Million surplus GPM L IFE I NSURANCE C OMPANY

L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE

1 The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS. Issue Age Ranges: Preferred Non-Tobacco Standard Plus Non-Tobacco0-75 Standard Express Non-Tobacco 0-75 Standard Plus Tobacco16-75 Standard Express Tobacco16-75 (for conversion only) Minimum Face Amount: $25,000 for all issue ages, $100,000 for Preferred NT Face Amount Bands: Band 1 $25,000-99,999 Band 2 $100, ,000 Band 3 $200,001 and above Minimum Premiums: $15 Monthly $90 Semi-annually $45 Quarterly $180 Annually Death Benefit Options: Option A pays the face amount (Level) Option B pays the face amount plus the accumulated value (Increasing) L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE

1 The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS. Interest Rates: Current – 4.25%, Years 1-15 Years 16 and up - Current +0.75% Guaranteed – 2.00% Surrender Charges: 1 st 14 years Riders included: Terminal, Chronic, and Critical ( where approved) Optional Riders for additional premium: (where approved) Waiver of Cost of Insurance Benefit Children’s Benefit Rider Accidental Death Benefit Rider Guaranteed Insurability Benefit Additional Insurance Rider Other Insured Rider L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE

1 The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS. CONSIDERATIONS 13 new states approved! - AL HI IL IN KS MD MA MN NH OH PA VA WA UL - 1 Rider with 3 LBs included Different disclosure form for UL Agent Access - 2 separate app kits, 1 for UL, 1 for Term L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE

1 The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS. ALL OTHER STATES…. Both Products - 3 LBRs for Term and UL (except PA – 1 rider) Agent Access – 1 app kit for Term and UL L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE

1 The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS. 13 states - AL HI IL IN KS MD MA MN NH OH PA VA WA L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE

1 The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS. L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE Illustration System Demo

1 The $25,000 to $99,999 rate band (Band 1) and $100,000 to $249,999 rate band (Band 2) on Trendsetter LB are only available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Band 2 is available on a fully underwritten basis for the Preferred Choice risk class. Face amounts and/or ages above these limits are available on a fully underwritten basis. Non-med requirements include the application, non-medical application supplement (part 2), MIB, Script Check and possible PHI and/or APS. L IFE A LLIANCE with LIVING BENEFITS UNIVERSAL LIFE INSURANCE Comparative Cases

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