1. Simplified Advantage Simplified Life Insurance Solution for clients who want Peace of Mind and NO MEDICAL EXAM

2. Typical Customer Profile Wants Coverage Fast Doesn’t Like Needles Wants To Maintain Privacy “White Coat Syndrome” May Have Medical Issues Easier to Qualify – Fewer Underwriting Requirements Pre-Underwriting Coverage

3. Underwriting Issues Build Diabetes DUI / Driving record Drug or alcohol abuse Foreign Travel Depression / Anxiety Blood Pressure Cholesterol Family health history Occupation / Sports Conditions making it hard to get coverage Do you know anyone affected by one or more of these issues ? Simplified issue life insurance is a solution.

4. Simplified Advantage o Permanent life insurance guaranteed level premium o No medical exam, no APS, no fluids or needles o Guaranteed cash values o Maximum Face Amount $100,000 o NO PREMIUM MODAL FACTOR o ACTUAL AGE CALCULATION o Issued with limited proof of insurability (7 Questions)

5. Simplified Advantage o Insurance amount doubles in case of accidental death o Issue ages o Age 40 to 70 $5,000 to $100,000 o Age 71 to 80 $5,000 to $50,000 o Guaranteed cash value option after 3 years

6. Simplified Advantage Living benefit 50% of the sum insured in the event of a first-time occurrence of a terminal illness Annual fee policy$60.00 rider (spouse)$0 Insurance coverage is immediate (no deferred option) Currently Paper application approved in 5 Business days

7. Medical Questions

9. Build Chart

10. What about cost? Premiums for a simplified issue life insurance are higher than those of a traditional whole life policy. A higher risk is accepted by the insurance company on this type of product. However, premiums for a simplified issue product may be lower than you think!

11. Rate Table

12. 57 Male NS La Capitale Assumption Life IAEquitable 10,00035.3038.4737.2937.59 25,00080.7588.0785.1287.23 50,000156.50170.73164.84169.97 75,000232.25N/A 100,000308.00N/A

13. 70 Male NS La Capitale Assumption Life IAEquitable 10,00080.7082.9280.4682.02 25,000194.25199.19193.05198.29 50,000383.50392.99380.70392.09 75,000572.75N/A 100,000762.00N/A

14. 65 Female NS La Capitale Assumption Life IAEquitable 10,00045.3046.3645.7045.46 25,000105.75107.80106.16106.90 50,000206.50210.20206.91209.30 75,000307.25N/A 100,000408.00N/A

15. Highest Commission in the Industry FYC is 45% BONUS *

16. Loyalty Bonus  Minimum ann. Prod. of $10,000 in FYC for Life plans  Minimum of 12 issued applications  Additional compensation percentage increases each consecutive year. Consecutive years Addn’l Bonus (% of FYC ) 115% 220% 325% 430% Qualifies For Convention

17. OUR MAIN FOCUS Helping You Help Your Clients