Home Protector

1. Home Protector Agent Use Only: Not for public distribution

2. Home Protector - Policy Specs • Simplified issue / Non-Med Term Life Insurance • 15, 20, 25 & 30 year term periods to choose from • Premiums are guaranteed for the full term period • Available with optional Return of Premium Rider • Issued Standard through Table 4 (Accept/Reject ) • Proof of Mortgage will be required • Annually renewable to age 95 after the selected term period • Convertible on or before the earlier of attained age 75 or when the level premium period end

3. Home Protector - Policy Specs • Issue Ages (age last birthday) • Minimum Policy Size - $25,000 Face Amt or $25 Base Monthly Premium (whichever is greater) • Maximum Face Amount - $200,000 • Premium Rate Classes: • Modal Factors – monthly .088; quarterly .259; semiannual .512 • Policy Fee - $80 (Fully Commissionable)

4. Home Protector - Available Rider Return of Premium Rider: • After the term period, returns all of the following : Base Policy premium ROP Rider premium Policy Fee Modal Factor • Beginning early as the 2nd policy year at least a portion of the premiums paid are available to be returned. The percentage of premiums that are returned increase each year until it reaches 100% at the end of the term period selected. • Available on the 20, 25 & 30 Year plans only

5. Home Protector - Available Rider • Disability Income Rider: Pays a monthly benefit to the insured in the event the insured becomes totally diabled: • Monthly Benefit is 2% of the Face Amount, not to exceed $1,500 (if annual income is below $25,000, the benefit cannot exceed $900 per month) • The Benefit Period Runs for 2 Years • 60 Day Elimination Period and the Benefits are notRetroactive • Ineligible Occupations – listed in Agent Guide • Issue Ages: 20 – 55 (rider terminates at age 65) • Defined: Disability which Keeps you from being able to perform the major duties of your regular occupationas a result of such injury or disease

6. Home Protector - Available Rider Critical Illness Rider*: Provides a cash benefit to the insured uponthe diagnosis of a covered critical illness: • Available at 25%, 50% or 100% acceleration up to a maximum $100,000 critical illness benefit • Requires disclosure for the Accelerated Living Benefit (from no. 9543), Submit with App • Covered Illnesses: • Heart Attack - Coronary Artery Bypass Graft (10% of DB) • Stroke - Invasive Cancer • Kidney Failure - Major Organ Transplant Surgery • Paralysis – Blindness • Terminal Illness - HIV contracted performing duties as professional healthcare worker • Issue Ages: 20 – 65 (rider expires at age 70) * Critical Illness not available on same policy if applying for Waiver of Premium

7. Home Protector - Available Rider • Waiver of Premium*: Waives the payment of the entire policy premium (including riders) in the event of total andpermanent disability. • Issue Ages 20-55 • Coverage expires at age 60 • Children’s Insurance Agreement: Provides $3,000 per unit (max 5 units) on each child until age 25. Convertible up to 5 times the initial coverage without evidence . • Issue ages: Children 15 Days – 17 years Primary Insured: 20-50 • Coverage expires at Primary Insured’s age 65 *WP not available on the same policy if applying for Critical Illness Rider

8. Home Protector - Available Rider • Accidental Death Benefit: An additional benefit paid to the beneficiary if the insured dies as the result of an accident. Available up to $200,000 or 5 times the face amount of the policy, whichever is less. • Issue Ages: 20-64 • Benefit terminates at age 65 • Level Term Insurance Rider (Spouse Only): Provides level term insurance for 20 years or to the Insured’s age 70, whichever comes first. • Spouse Issue Ages: 15-65 • Minimum Amount: $25,000 • Maximum Amount: Not to exceed base policy *WP not available on the same policy if applying for Critical Illness Rider

9. No Cost Benefits Included • Terminal Illness Accelerated Benefit Rider: • Can receive up to 100% of the death benefit when insured has a life expectancy of 12 months or less (24 months in some states.) • Requires disclosure form (9474). A Copy of Form isleft with Applicant; No Signature Requirements. • Accelerated Benefits Rider - Confined Care : • Full Time, Permanent Residence in Nursing Home • Fixed Monthly Pmt of 2.5% of face amount • Requires disclosure form (9675). A Copy of Form is left with Applicant; No Signature Requirements

10. App Completion/Submission • Good Field Underwriting is essential to avoid unnecessaryUnderwriting delays • Always Fully Complete All Required Sections and Questions • Provide Complete Details to “Yes” answers on healthquestions. • List any Medications currently taken and their associatedconditions • If additional space is needed for details regarding health questions or medications, please provide on a separate sheetof paper and submit with app • Telephone Interview Completed at Point of Sale – alwaysanswer “Yes” or “No

11. Non- Med Limits T = Telephone Interview * This chart applies to both the Primary Insured & Spouse (if applying for the Level Term Rider)

12. Home Protector - Underwriting Telephone Interviews (2 Ways to Complete): 1. Point of Sale (Preferred) • Completed at Time of Application from Client’s Home • Call vendor using Toll Free Number • Identify Yourself, Company, & Product Being Applied for Applicant Completes the Rest of the Interview on theirown • Indicate on Application that Interview has been completed • Results of Interview Transmitted to Home Office electronically

13. Home Protector - Underwriting Telephone Interviews (Two Ways to Complete): 2. After Point of Sale • Indicate on Application that Interview has NOT been completed, and provide Applicant’s Phone Number, and a “BestTime to Call” • Vendor will contact Applicant to complete Interview or schedule a time to complete • Results of Interview Transmitted to Home Officeelectronically

14. Home Protector - Underwriting Medical Information Bureau (MIB) • Member Companies report conditionsto MIB database during the underwriting process • Our Company accesses the MIBdatabase on all Home Protector applications • MIB replies can trigger additional underwriting requirements (i.e. APS’sExams, etc.)

15. Home Protector - Underwriting Pharmaceutical Database Check • Check of National Pharmacy Databases • Databases are checked on every Home Protector Application • Provides information on medications / prescriptions taken by the Applicant • May trigger additional underwriting requirements (i.e. AP’s, Exams, etc.)

16. Home Protector - Summary • Simplified Issue Term (No Medical Exam Required) • Simple “Yes/No” Application (1 page) • 15/20/25/30 Year Premium Plans • Premiums guaranteed for the full term period • Attractive Optional Riders (available at an additional cost): • ROP WP Childrens Insurance Agreement • DIR ADB • CIR LTR (Spouse Only) • No Cost Benefits: • Terminal Illness Accelerated Benefit Rider • Accelerated Benefits Rider - Confined Care • After Level Premium Period, Policy Can be Kept to Age 95 onan annually renewable basis • Highly Competitive Premium