1. PermaLife Guaranteed Premium Whole Life Policy

2. PermaLife Guaranteed Premium Whole Life Minimum Policy $10,000 Minimum Policy $10,000 Minimum Modal Premium $15.00 Minimum Modal Premium $15.00 Issue ages 0-80, age last birthday Issue ages 0-80, age last birthday Conventional Underwriting Conventional Underwriting Issued Standard through Table 2 Issued Standard through Table 2 Can be issued substandard from Table 3 through Table 14 Can be issued substandard from Table 3 through Table 14

3. PermaLife Guaranteed lifetime coverage Guaranteed lifetime coverage Low guaranteed premiums Low guaranteed premiums.8 Annual Modal Factor Year One.8 Annual Modal Factor Year One 1.0 Annual Modal factor Years 2 & thereafter 1.0 Annual Modal factor Years 2 & thereafter Annual commissionable policy fee Annual commissionable policy fee of only $50.00

4. PermaLife PermaLife with it’s unique annual modal factor approach will help you achieve greater persistency by generating more annual premium sales. Your client benefits from a 20% 1 st year discount in premium and you need not be concerned over “charge-backs”. The Annual Modal factor is.8 the first year and 1.0 thereafter.

5. PermaLife Guaranteed non-forfeiture values: Guaranteed non-forfeiture values: Reduced paid up insurance Reduced paid up insurance Extended term for full amount Extended term for full amount

6. Sample rates for $10,000 of coverage Male non tobacco user: Age 40:$ 197.90 annual* or $ 17.71 monthly bank draft 50: $ 293.70 $ 26.28 50: $ 293.70 $ 26.28 60: $ 472.90 $ 42.32 60: $ 472.90 $ 42.32 70: $ 826.40 $ 73.96 70: $ 826.40 $ 73.96 Female non tobacco user: 40: $ 175.80 $ 15.73 40: $ 175.80 $ 15.73 50: $ 249.50 $ 22.33 50: $ 249.50 $ 22.33 60: $ 381.40 $ 34.13 60: $ 381.40 $ 34.13 70: $ 662.50 $ 59.29 70: $ 662.50 $ 59.29 These annual premiums are for year 2 and thereafter.These annual premiums are for year 2 and thereafter. A 20% Modal Factor discount would apply in Year One. A 20% Modal Factor discount would apply in Year One.

7. Sample rates for $100,000 of coverage Male non tobacco user: Age 40:$1,428.00 annual or $ 127.80 monthly BD 50:$ 2,342.00 $ 209.60 50:$ 2,342.00 $ 209.60 Female non tobacco user: 40: $ 1,216 $108.83 40: $ 1,216 $108.83 50: $ 1,915 $171.39 50: $ 1,915 $171.39

8. Juvenile Estate Builder $10,000 policy Female Age 0: $ 88.10 Female Age 0: $ 88.10 Age 5: $ 93.90 Age 5: $ 93.90 Age 10: $ 101.50 Age 10: $ 101.50 Age 15: $ 111.10 Age 15: $ 111.10 Male Age 0: $ 95.50 Male Age 0: $ 95.50 Age 5: $ 103.00 Age 5: $ 103.00 Age 10: $ 113.40 Age 10: $ 113.40 Age 15: $ 125.80 Age 15: $ 125.80 Annual Premium Starting year 2 thereafter

9. PermaLife From The most secured “plan for life” for a young adult The greatest “lifetime gift” for a child or grandchild The ideal final expense product for the “healthy” senior