1. Westland Financial Services The Financial Professional’s Best Insurance Source Since 1976

2. Westland Financial Services Life Insurance Annuities Long-Term Care And Now…… Introducing the REVERSIONARY ANNUITY

3. ASSURED INCOME PROTECTOR INSURANCE FOR THE BOOMER GENERATION Underwritten by: Assurity Life Insurance Company; Form Number: AR 100, AR 103, & AR 105

4. Purpose of Life Insurance Liquidate Debts  Mortgages  Consumer Debt  Other Pay Taxes  Income Taxes  Estate Taxes Replace Income

5. Life Insurance For Income The Traditional Way  Receive lump sum Death Benefit from Insurance Company  Invest Proceeds with Advisor  Manage Investment Account  Manage Investment Advisor

6. Life Insurance For Income The Traditional Way  To receive greatest income Invest Aggressively Accept Higher Risk Accept Greater Uncertainty

7. Life Insurance For Income The Traditional Way  To Eliminate Risk and Uncertainty  Take Less Income

8. Life Insurance For Income – A Reversionary Annuity The More Efficient Approach  Purchase a Stream of Income For the Life of the Beneficiary For a Specified Period of Time

9. Life Insurance For Income – A Reversionary Annuity Assured Income Protector  Monthly Income you Choose at Time of Issue More Dependable More Predictable More Tax Efficient Less Expensive

10. Life Insurance For Income – A Reversionary Annuity Assured Income Protector  Issue Ages Insured – 18-85 Beneficiary 0-85  Monthly Benefit Monthly Income for Life of Beneficiary Monthly Income for Life with 10 Years Certain

11. Life Insurance For Income – A Reversionary Annuity Assured Income Protector  Specific Monthly Benefits Level Benefit Option 3 Percent Increasing Option  Yearly Increase begins on 1 st Anniversary of Policy 5 Percent Increasing Option  Yearly Increase begins one Year after the First Monthly Benefit Payment to the Beneficiary

12. Life Insurance For Income – A Reversionary Annuity Assured Income Protector  Premium Options Life Pay to age 100 10 Pay Option  Additional Benefits (no charge) Simultaneous Death Benefit  Greater of $15,000 or 6 months benefits payable to Owner Accelerated First-Year Benefit  90-95% of First year Benefits, Payable as lump sum in place of 1 st year monthly payments.

13. Life Insurance For Income – A Reversionary Annuity Assured Income Protector  Premium Protection Rider Paid Premiums Refunded over 10 years if Beneficiary Predeceases Insured  Special Term Plan Discounted Term Premium to Guarantee Right to convert within a year.

14. Life Insurance For Income – A Reversionary Annuity Survivor Income Alternative  State Teachers Retirement System  Public Employees Retirement System  Municipal and County Retirement System  Federal Government Retirement Plan  Union Retirement Plans

15. Life Insurance For Income – A Reversionary Annuity Survivor Income Alternative  Retiree must choose: 1. Select the Maximum Pension Benefit ‘WITHOUT’ Survivor Benefits; or 2. Select a Reduced Pension Benefit ‘WITH’ Survivor Benefits  Could be Costly Either Way  Best to Get the Greatest Benefit at the Lowest Cost

16. Pension Max is Back The Reversionary Annuity Now Available  To Guarantee the Greatest Income To the Retiree To the Beneficiary

17. Karen & John 1 are Deciding How to Receive Karen’s STRS Pension Benefits Karen’s Maximum Monthly Benefit is $5838.86  All Taxable  Payable for her Life  No Survivor Benefit for John Karen’s Alternative Benefit is $5059.00  All taxable  Payable for her Life  Continues to be paid to John at her death  Cost for Survivor Benefit is $779.86/mo 1. Female and Male both age 60

18. The Pension Max Alternative Instead Karen Selected the Maximum Pension Benefit from STRS Then Purchased $5059 of Assured Income Protector from Assurity Life for a Survivor Benefit for John The Cost to Provide John a Lifetime Benefit is $350.09 per month.

19. The Pension Max Alternative Pension Cost of Survivor Benefit $779.86/mo Insurance Cost of Benefit $350.09/mo Increased Monthly Pension Benefit for Karen $429.77/mo ($5,157/yr)

20. The Pension Max Alternative ….And One More Interesting Feature The Survivor Income is Substantially INCOME TAX FREE

21. Life Insurance For Income – A Reversionary Annuity Retired Client needs Income for Spouse  Current Insurance Face Value - $260,000 Annual Premium - $6000 Cash Value - $72,000 Income available from D/B at 5.25% = $1137.00 Income available from D/B using a SPIA = $1618.00

22. Life Insurance For Income – A Reversionary Annuity Retired Client needs Income for Spouse  Planner’s Recommendation Surrender Life Policy Purchase R/A with $6000 Annual Prem. - $2500 Mo. Benefit $72,000 to Purchase Single Prem. RA - $1500 Mo. Benefit Total Survivor Income Available - $4000. vs. $1618

23. Other Outstanding uses for Assured Income Protector Provide Survivor Income to Younger Spouse  Can specify and guarantee the monthly amount  Can provide for cost-of-living increases  No financial management required  Less chance of others asking for money Second Marriage, Prenuptial or Divorce  Secures lifetime income for current spouse and assets to children or other heirs.  Perfect source of income to cover alimony

24. Other Outstanding uses for Assured Income Protector Executive Benefit  Lifetime Income to Spouse an attractive Perk Protection for Special Needs Children  Lifetime Income for Children Dependable Inflation protection No management issues

25. Life Insurance For Income – A Reversionary Annuity An Exciting Concept to Protect Survivors  Less Expensive  Tax Efficient  Built in Guarantees  Built in Predictability  Inflation Protection Available  Lifetime Benefits

26. Life Insurance For Income – A Reversionary Annuity Who Should Consider  Retiring City, County, State and Federal Employees Parents with Special Needs Children Older Clients with Younger Second Spouse Midlife Breadwinner to Protect Income to Spouse Divorcing Couple Required to Insure Child Support Any Other Time the Primary Use for Insurance is Income

27. Questions??? For Contracting Sales Materials Proposals Applications Questions Call Gene, Nancy or Thais at Westland Financial Services, Inc. (800) 238-8144 – www.westlandinc.com