1. For Producer use only. Not for use with clients.

2. Focus 10 Life case study: The Summit Group Timothy Crowley President, FOCUS 10 Life ®, Inc. Troy Reichert SumCal LLC LI 1806 4/14

3. For Producer use only. Not for use with clients. disclosures Focus 10 Life level term life insurance (Form 3011) and (Form 3011 F10 FL) are issued by Ameritas Life Insurance Corp. in most states. In New York, Focus 10 Life (Form 5011) is issued by Ameritas Life Insurance Corp. of New York. This presentation is designed to provide accurate and authoritative information. Neither the presenters, FOCUS 10 LIFE®, INC., nor Ameritas® intend to, or are engaged in, rendering legal, accounting, or tax advice. If tax or other legal advice or other expert assistance is required, the services of a competent professional should be sought. The accuracy of the information cannot be guaranteed. Laws and regulations change frequently, and are subject to differing legal interpretations. Neither the presenter, FOCUS 10 LIFE®, INC., nor Ameritas® shall be liable for any loss or damage caused, or alleged to have been caused, by the use of or reliance upon this presentation. FOCUS 10 LIFE®, INC. is an independent third-party administrator and is not affiliated with Ameritas®. Sumcal LLC is not an affiliate of Ameritas Life Insurance Corp. or any of their affiliates. This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including, but not limited to, Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp. is not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. Ameritas® and the bison design are registered service marks of Ameritas Life Insurance Corp. Fulfilling life® is a registered service mark of Ameritas Holding Company. ©2014 Ameritas Mutual Holding Company

4. For Producer use only. Not for use with clients. general product information Employer-Paid, Non-Voluntary Benefit Individual term life policy with 10-year level premium Simplified issue, with only one qualifier Issued to age 70 Fully portable Convertible to a permanent policy without evidence of insurability

5. For Producer use only. Not for use with clients. 10a - The “actively at work” question is the only qualifying question. 10b - General rule: any tobacco use in prior 12 months = tobacco class. Exception: 2 or fewer cigars/month = non-tobacco sample Focus 10 Life application

6. For Producer use only. Not for use with clients. target prospects Ideal for any employee in a full time “white-collar” occupation, such as: Law firms – Management, Associates, and Other Staff Architectural/Engineering firms – Professionals and Staff HealthCare – Hospitals and Medical practices (Radiologists, Anesthesiologists, Cardiologists, etc.) Financial Services – Accounting firms, Banks, Stock Brokerage firms, Insurance agencies, and Investment firms Service firms – Advertising, Hotels & Casinos, Grocery Store chains, Call Center, and Real Estate Companies In addition, can be sold to a carved out group of employees (executives, management, sales) within “blue-collar” industries

7. For Producer use only. Not for use with clients. characteristics of prospects Already has life insurance of 2X, 3X or 4X salary (or more) Higher earner with a cap on their existing coverage Older key employees facing benefit reductions Have employer paid UL/VUL policies that aren’t performing Facing a rate increase in their group life plan Need Key Person or Buy-Sell coverage without medical exams

8. For Producer use only. Not for use with clients. some simplified issue guidelines fixed and flexible design Fixed DesignFlexible Design Covered Lives 5 to1920 or more* Available Face Amounts 5-9 covered lives - $100,000 10-19 covered lives - $100,000 or $150,000 Minimum $50,000 Maximum = lesser of $1.5 million* or $20,000 X # of covered lives ex: 50 covered lives x $20K = $1M Face Weighted Average Age 50.00 or less* Maximum Issue Age 70 at Nearest Birthday Maximum Class Benefit Multiple N/A2.5 times* Billing Modes Calendar QuarterlyMonthly *Exceptions allowed with prior approval.

9. For Producer use only. Not for use with clients. plan design approval (fixed and flexible) All cases must be approved by Ameritas ®. If a case meets all guidelines, Ameritas ® alone determines acceptability. If a case exceeds one or more guidelines, Ameritas ® and its reinsurer will determine acceptability.

10. For Producer use only. Not for use with clients. uses of FOCUS 10 Life FOCUS 10 Life policies are individual policies that can be owned by the employer, the insured or a third party. FOCUS 10 Life coverage can be used to meet a number of business insurance needs.

11. For Producer use only. Not for use with clients. fringe benefits FOCUS 10 Life is an excellent way to provide a fringe benefit to valued employees. The employee names his or her own personal beneficiary. Advantages of FOCUS 10 Life over Group Term Life: Price remains constant for 10 years Benefits can increase to match increasing salaries No age-based benefit reductions Portable at same premium upon termination Not experience rated Convertible without proof of insurability

12. For Producer use only. Not for use with clients. fringe benefits (con’t) Ways to Use Group and FOCUS 10 Life together: Carveout: -Replace Group Term coverage for key employees -Lowers group term premium Stacking: -Base benefit for all employees, plus -Additional coverage on top of group term benefits for key employees

13. For Producer use only. Not for use with clients. buy-sell funding A Buy-Sell agreement is a legally binding document that stipulates what will happen to a business ownership interest when a business owner or partner becomes disabled, dies, retires or decides to sell his or her interest in the company. For Buy-Sell funding, the company can be both the owner and beneficiary of the policy. Upon the death of a shareholder, the company uses the life insurance proceeds to purchase the shares of the deceased shareholder, as stipulated by the Buy-Sell Agreement. FOCUS 10 Life Insurance can be an ideal vehicle for funding a Buy-Sell Agreement. A significant amount a life insurance can be acquired on a Simplified Issue basis.

14. For Producer use only. Not for use with clients. key person life insurance The untimely death of a key person - such as a top sales executive - often has a significant impact on a business. Key person life insurance can help the transition. For key person life insurance, the business is the owner and the beneficiary of each policy and will receive the entire death benefit. A FOCUS 10 Life Plan is an easy way for an employer to acquire life insurance policies on the lives of key executives.

15. For Producer use only. Not for use with clients. one plan to address multiple needs For example, a firm can design a plan to provide buy sell funding for two partners while at the same time providing key person coverage on ten managers and a fringe benefit for the remaining eligible employees.

16. For Producer use only. Not for use with clients. employer-owned life insurance notice and consent The Pension Protection Act of 2006 added Internal Revenue Code section 101(j), which changed some of the rules regarding the taxation of death benefit to be excluded from the business’ income, the employee must be given notice of the policy and consent to be insured by the employer. This notice and consent is in addition to any notice provided on the life insurance application and must be signed by the employee prior to issuance of the policy.

17. For Producer use only. Not for use with clients. Focus 10 Life case study #1 A diversified internet company was interested in securing a large life insurance benefit for its CEO and a valuable new life insurance benefit to all of its employees. The company had 95 employees. No medical underwriting was appealing.

18. For Producer use only. Not for use with clients. Focus 10 Life case study #1 ClassBenefit CEO$1,500,000 CFO and COO$1,000,000 Salary greater than $130,000$750,000 Salary between $75K and 130K$400,000 Salary less than $75K$200,000 This plan design met all Simplified Issue Guidelines and readily secured approval to be implemented Recommended Plan Design

19. For Producer use only. Not for use with clients. Focus 10 Life case study #1 the results: The company secured a $1.5 million policy on the CEO. The employees received a new employer-provided life benefit. Premium for top 3 classes (8 policies) represented over 45% of the total Focus 10 Plan premium. Focus 10 annualized premium: over $72,000 Producer’s First Year Commission: almost $22,000

20. For Producer use only. Not for use with clients. Focus 10 Life case study #2 Medical group needing $1,000,000 of life insurance on each of 6 owners to fund a Stock Redemption Plan. Interested in streamlined underwriting. Medical Group employed over 60 others.

21. For Producer use only. Not for use with clients. Focus 10 Life case study #2 (con’t) ClassBenefitPurpose Owners$1,000,000Buy-Sell Non-Owner Physicians$400,000Fringe Benefit Physician Assistants$160,000Fringe Benefit All Other Employees$65,000Fringe Benefit This plan design met all Simplified Issue Guidelines and readily secured approval to be implemented Recommended Plan Design

22. For Producer use only. Not for use with clients. Focus 10 Life case study #2 (con’t) the results: Owners secured $1,000,000 policy to fund the Stock Redemption Plan. The employees received a new employer-provided life benefit. Premium for Owners’ policies represented 63% of the total Focus 10 Plan premium. Focus 10 annualized premium: approximately $35,000 Producer’s First Year Commission: over $10,000

23. For Producer use only. Not for use with clients. FOCUS 10 Life compensation First year commission (FYC) rate - 30% Renewal commission rate - 2% Policy fees are non-commissionable.

24. For Producer use only. Not for use with clients. Focus 10: creating future opportunities from one sale New hires and promotions: New policies and New First Year Commission Terminations: Portability for employee and opportunity for you to place permanent insurance through conversion Year 11: Opportunity to “restart” the Focus 10 Plan and earn new first year case commission

25. For Producer use only. Not for use with clients. how to obtain a FOCUS 10 Life quote Simply e-mail the census, preferably in Excel, to mwelsh@FOCUS10life.com In addition to Employer Name and Home Office Address, the census should include: Employee Name (not required) Date of Birth Gender (product is unisex but gender will appear on quote) Tobacco status, if known. (Otherwise we will assume all are non-tobacco) Benefit Amount (or salary and benefit formula)

26. For Producer use only. Not for use with clients. FOCUS 10 Life ® website www.focus10life.com

27. For Producer use only. Not for use with clients. contact information FOCUS 10 LIFE ®, INC 131 Oak Street, Suite 5 Glastonbury, CT 06033 Mike Welsh – mwelsh@focus10life.com Pete Hantzos – phantzos@focus10life.com (860) 659-9711 (860) 659-9713 (fax)