NonMed Term 350

1. NonMed Term 350 • From Assurity Life Insurance Company H280-0710. Policy Form I L0760 Product & rider availability, features and rates may vary by state. Policy may contain reductions of benefits, limitations and exclusions. For Agent Use Only

2. Product Highlights • Requires no medical exams - Processed through Assurity’s automated underwriting system • Issue Classes - Select+ non-tobacco/tobacco - Select non-tobacco/tobacco - Standard non-tobacco/tobacco • Death Benefit Min/Max - $50,000-$350,000 • Living Benefits (see Riders) • Premiums - Level and guaranteed - 10, 15, 20 or 30 years - Convertible to whole life - Annually renewable after term period

3. Product Highlights Continued • Monthly DI Rider - Up to $3,000/mo. - 2 yr. benefit - 90-day elimination • Accident Only DI Rider - Lesser of 1.5% of base or $3,000/mo. - 2 yr. benefit - 90-day elimination • Critical Illness Rider - $100,000 - 3 category approach • Children’s Term Insurance Rider • Return of Premium Rider (available on 20-year and 30-year plans) • Policy Fee - $70, commissionable

4. SIMPLIFY YOUR LIFE & INCREASE YOUR INCOME Assurity’s E-APP

5. Home Office “Automated Underwriter” Decision Understanding the Automated Underwriting Engine Process E-Application

6. Assurity Niches • Non-Medical Convenience – no needles or fluids • Affordable Price – our Select+ rates are beating many of the Term shops’ standard rates, and our policy fee is commissionable • Convertibility – immediate up to 2 years prior to term expiration • Critical Illness Rider – yes, even on a non-med basis!! • Critical Illness Rider – does not reduce/accelerate death benefits • Applications – paper application and E-application • Automated Underwriting Engine • 2nd Chance Underwriting – Not Accept/Reject

7. The Situation Liabilities Assets Little Life Insurance/No Life Insurance Know anyone like this? House Cars House 401(K) House debt Credit cards Student loans Car payments Cars IRA House debt Credit cards Student loans Car payments 401(K) IRA

8. What Could We Do? • The answer is simple: • Term insurance up to $350,000 • No medical • You have the protection you need then, right?

9. What Could We Do? • The answer is simple: • Term insurance up to $350,000 • No medical • You have the protection you need then right? WRONG

10. We protected them against death... Yes, But what about Life?!?

11. Disability Income Rider • Every 1.5 seconds someone is disabled in the U.S. • Every 8 seconds someone is disabled by a work injury in the U.S. What about the 25% of people who become disabled longer than 6 months? National Safety Council, Injury Facts 2002 Editions

12. Critical Illness Rider • Nearly 1.5 million Americans declared bankruptcy in 2001 • 27% listed unpaid medical bills • Nearly half (46%) met at least one of the criteria for “major medical bankruptcy” What about the 48% of people who file for bankruptcy while having a major medical condition? *2004 Harvard Study on Bankruptcy

13. Life Protection Male, 35, Non Tobacco, Select + • $300,000 Death Benefit • $1,500 DI Rider • $25,000 CI Rider • $70.27/month That’s protection through life and death!

14. Prospecting • Young Families • Mortgage Script • Existing Client Base • Affordable Alternative to Permanent Insurance