1. TeamCorp Product Overview August, 2012

2. Overview Inheritance Creator – A Wealth Transfer Vehicle Instantly Increase Estate w/DB Significantly Larger than Premium Paid Provides Income-tax Free Benefits to Beneficiary DB Protection Cash Value Accumulates Tax-Deferred Avoid Probate Costs and Delays Simple Application and No Med Exam – 5 Questions!

3. Target Audience 40-80 Years Old Desire to Transfer Wealth to an Heir/Charity Have At Least $10K Beyond Estimated Future Needs Require Growth Potential with Minimum Risk Guaranteed Interest Rate = 2% Current Assumption Rate = 3.2%

4. Target Audience Tax –Advantaged DB without Delay of Probate Prefer Easy Application and Issue Process 5 Simple Questions E-Application Capability/Paper Application https://econnections.aigag.com/ILQuickQuoteCre ator.aspx https://econnections.aigag.com/ILQuickQuoteCre ator.aspx

5. Min/Max Premium Amounts Issue AgesMinimum PremiumMaximum Premium 40-49$10K$75K 50-54$10K$100K 55-59$10K$100K 60-64$10K$125K 65-80$10K$200K

6. Benefits Lifetime DB Guarantee DB is Guaranteed Regardless of Cash Surrender Value Loan Balance May result in Negative Guarantee Partial Withdrawals and Loans Will Reduce DB Amount

7. Benefits Interest Rate Credited to Accumulation Value Based on Current Interest Environment Credited to Accumulation Value at Month End Values are Credited after Deductions for Policy Loads and Cost of Insurance Current Monthly Admin Fee = $8.00 Guaranteed Monthly Admin Fee = $10.00 Minimum Annual Guaranteed Interest Rate = 2%

8. Surrender Charges Charged as a % of Accumulated Cash Only Apply for the First Seven Policy Years Issue Ages YR 1YR 2YR 3YR 4YR 5YR 6YR 7YR 8+ 40-795% 4% 3%2%0% 805%4% 3% 2%1%0%

9. Policy Loans/Withdrawals Loans – Available at Anytime Preferred Loans are Available After 10 th YR The Policy Will Terminate if Policy Loan Amount is Greater than Cash Value at Anytime Partial Withdrawals – Allowed After 1 st YR Up to 10% Without Surrender Charge Above 10% Subject to Surrender and Withdrawal Chg.

10. Available Riders Terminal Illness Rider One Time – Up to 80% of DB - $250K Max 24 Months or Less to Live (12 Months In FL) Chronic Illness Rider One Time – Up to 70% of DB - $250K Max Unable to Perform 2/6 Activities of Daily Living OR Suffering Severe Cognitive Impairment Waiver of Surrender Charge Charge Waived if Chronically Ill or Qualifying Medical Stay

11. Simple UW Process Section A – Answer Yes or No 1.Has Insured Ever Been a.Declined for Life Insurance b.Diagnosed with AIDS, HIV or ARC 2.Within the Past 5 yrs a.Any Heart Disease, Stroke, Malignant Cancer etc b.Results of Electrocardiogram or X-Ray c.Alzheimer’s, Dementia, Liver Disorders, Drug/Alcohol

12. Simple UW Process Section A – Answer Yes or No - Continued 3.Within Past 24 Months a.Diagnosed or Treated For Hip Fracture b.Experienced Unexplained or Unintentional Weight Loss of 10 LBs or Greater c.Been Advised for Testing/Treatment that is not yet Complete

13. Simple UW Process Section B – Answer Yes or No - Continued 4.Within Past 24 Months Has Proposed Insured Used Any Form of Nicotine? 5.Past 10Years Been Diagnosed/Treated for a.Atrial Fibrillation, Arrhythmia, Heart Condition, Vascular or Circulatory Disorders etc b.Pneumonia, Emphysema, Depression, Anemia Etc

14. Simple UW Process QUALIFIES All Questions Answered No – Preferred All SECTION A Questions Answered NO and one SECTION B Questions Answered Yes-Standard DOES NOT QUALIFIES If Any SECTION A Question is Answered YES If Both SECTION B Questions Answered YES

15. Questions & Answers