Atlantic Insurance Brokerage and Sagicor Introduce Single Premium Life for the 21St Century!

Atlantic Insurance Brokerage and Sagicor Introduce Single Premium Life for the 21st Century!

Let’s keep this simple – why should you write Sagicor’s GOLD SERIES SPL for your clients and why should you write your Sagicor life insurance and annuities through AIB? Easy – let’s keep this simple:

1. Depending on the product chosen (interest sensitive or indexed), an upfront premium bonus, 3% lifetime guaranteed interest rate, SUPER LOW minimum premium and HIGH issue ages! GREAT ANNUITY and CD ALTERNATIVE!

2. SIMPLIFIED E-Underwriting! Sagicor Life Insurance Company’s (Sagicor) Accelewriting® process is an automated underwriting system that utilizes an eApplication to provide an underwriting decision in minutes and eliminates the need for a face-to-face meeting with the client and telephone interview. In some cases, additional requirements may be required, such as medical exams, bodily fluids and Attending Physician’s Statements (APS). These cases will automatically be referred to underwriting without the need for a new application which provides a ‘fast track’ to the underwriting review and approval process.

3. Simple e-application! Once you run your client an online illustration, you have the opportunity to open up an e- application. It’s designed to not let you make errors, use the wrong form, or forget something. You can use this feature in your office, your client’s home or office, or remotely! NO MORE FINDING, PRINTING, or CARRYING AROUND FORM PACKAGES!

4. E-Signatures! Need I say more!

5. Here is something really special…once the application has been approved, did I tell you it takes less than 5 minutes? Once your client funds the policy and the carrier accepts the funds – the policy is E-DELIVERED to both you and your client! No more waiting around for the business to get issued and mailed! When your client gets the policy guess what – they do an e-delivery receipt!

6. HUGE COMMISSIONS! Better than most FIAs!

7. Why do your Sagicor with AIB? The answer is easy!

a. We PAY YOU MORE! b. We’re a 24 / 7 NMO! c. We’re experts! Please take a few minutes to review the follow items and we’re sure that you too will agree that this IS the future of advisor driven term life insurance! Fixed Indexed Single Premium Whole Life Insurance (FISPWL) PRODUCT QUICK VIEW

Sagicor’s FISPWL provides choices for your clients through indexed- linked crediting strategies for upside potential, downside protection and access to funds, if needed.

FEATURES/BENEFITS: • Available at the point of sale through Accelewriting®, Sagicor’s automated underwriting process • Policy eDelivery available • Immediate Bonus: 10% of the Single Premium • Issue age - age last birthday • Guaranteed Return of Premium1 from Day 1 • Loans are allowed after the first year • Partial Withdrawals are allowed at any time2,3 • Three (3) Interest Crediting Strategy Options4: — Declared Rate Strategy Interest credited daily and compounded — Indexed Strategy 1 S&P 500® Index Annual Point to Point with Cap — Indexed Strategy 3 Global Look-Back Advantage Strategy Indexed Annual Point to Point with Participation Rate • Policy Effective/Allocation Dates: st1 , 8th, 15th, 22nd of each month • Inherent Rider5: Accelerated Benefit Insurance Rider for a Terminal Condition or a Chronic Illness (unable to perform 2 of the 6 ADLs: Eating, Toileting, Transferring/Walking, Bathing, Dressing and Continence)

SURRENDER CHARGES: YEAR 1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th+ CHARGE % 12% 12% 11% 10% 9% 8% 7% 6% 4% 2% 0%

UNDERWRITING: • eApplication only • Utilizes Sagicor’s Accelewriting® system at the point of sale (no telephone interview6). Additional requirements may be needed when referred to Underwriting. • 2 Risk Classifications: Standard Non-Tobacco and Standard Tobacco (issued as Standard up to Table 4) • Issue Ages: 18 years to 85 years • Minimum Single Premium: $5,000 • No Maximum Single Premium • For the purposes of the Net Amount at Risk (NAR) calculation during the submission process, the NAR equals the Guaranteed Death Benefit Amount in year 1 of the illustration, less the single premium paid. There is no maximum, but amounts over the NAR below will be referred to Underwriting for additional review: — Available for amounts up to $250,000 for ages 18 years to 65 years — Available for amounts up to $100,000 for ages 66 years to 75 years — Available for amounts up to $50,000 for ages 76 years to 85 years

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4074 For producer use only. Not for use with the general public. S6800417 Sagicor is rated “A-” (Excellent) by A.M. Best Company (4th best out of 16 possible ratings). This rating is based on Sagicor’s financial strength and ability to meet its ongoing obligations. Fixed Indexed Single Premium Whole Life Insurance (FISPWL) PRODUCT QUICK VIEW

SAMPLE POLICY INFORMATION7:

Male Age 62, Standard Non-Tobacco, Arizona Issue State, $100,000 Single Premium Guaranteed Death Benefit: $178,841

Guaranteed Cash Value, Year 30: $155,822

Guaranteed Chronic Illness Monthly Benefit under Accelerated Benefit Rider: $4,662

FOOTNOTES: 1. Less any indebtedness, withdrawals or Accelerated Benefits paid out. 2. Not available in MN. 3. See policy for additional details including fees, limitations and exclusions. Not available in all states. 4. For current rates and strategy options, download the Current Crediting Strategies/Rates PDF (Form 4062) from the Producer Portal. 5. Included at no additional cost. Not available in all states. Sate variations may apply. The death benefit of the policy must exceed $25,000 to be eligible for acceleration. 6. Issuance of the policy may depend upon the answers to the health questions set forth in the application. 7. In the state of Montana only, unisex rates are used, which are male rates.

This material is for informational purposes only. Please CONTACT US see the policy forms and riders for details. Policy forms Sagicor Life Insurance Company and riders may vary by state and may not be available in 4343 N. Scottsdale Rd., Suite 300 all states. Scottsdale, AZ 85251 Policy Forms: 1005, 6013, 6018, 6024 and 6033 T (888) 724-4267

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PRODUCT GUIDE Fixed Indexed Single Premium Whole Life Insurance

SagicorLifeUSA.com FISPWL - Product Guide

Table of Contents

3 - 5 FISPWL Product Information 6 Accelerated Benefit Insurance Rider 7 Underwriting Processes and Guidelines 7 Financial Underwriting 7 Approved Paramedical Companies 7 Approved Lab Companies 8 Underwriting Requirements 9 Footnotes 10 Indices Disclosures

DISCLOSURE: The information contained in this product guide is summary in nature. If there is a conflict with the policy and rider, the terms of the applicable policy and rider control. In order to obtain a complete understanding, please read the policy and rider provisions carefully as this is not intended to be a substitute for the policy or rider. Policy and riders are not available in all states. State variations may apply. Sagicor Life Insurance Company does not provide tax, legal or accounting advice. FISPWL - Product Guide

FISPWL PRODUCT DESCRIPTION Careful planning and wise financial thinking have allowed your clients to accumulate assets for retirement, most likely through tools like CDs, money market accounts and other financial vehicles. Sagicor Life Insurance Company’s (Sagicor’s) Fixed Indexed Single Premium Whole Life (FISPWL) product provides coverage for the life of the insured plus greater upside potential through index-linked strategies and access to funds, if needed. Sagicor’s FISPWL is available by eApplication only, using our Accelewriting® process. Sagicor’s Accelewriting® process is an automated underwriting system that provides an underwriting decision in minutes and eliminates the need for a face-to-face meeting with the client and telephone interview. In some cases, additional requirements may be required, such as medical exams, bodily fluids and Attending Physician’s Statements (APS).1 These cases will automatically be referred to underwriting without the need for a new application which provides a ‘fast track’ to the underwriting review and approval process.

POLICY eDELIVERY Policy eDelivery available

ISSUE AGES (AGE OF LAST BIRTHDAY) 18 years to 85 years

MINIMUM SINGLE PREMIUM $5,000

MAXIMUM SINGLE PREMIUM No maximum premium. See Net Amount at Risk.

NET AMOUNT AT RISK For the purpose of the Net Amount at Risk (NAR) calculation during the submission process, the NAR equals the Guaranteed Death Benefit Amount in year 1 of the illustration, less the single premium paid. There is no maximum, but amounts over the NAR below will be referred to Underwriting for additional review: — Available for amounts up to $250,000 for ages 18 years to 65 years — Available for amounts up to $100,000 for ages 66 years to 75 years — Available for amounts up to $50,000 for ages 76 years to 85 years

UNDERWRITING • 2 Risk Classes: Standard Non-Tobacco and Standard Tobacco (both classes issued Standard up to Table 4). • eApplication only. • Utilizes Sagicor’s Accelewriting® system at the point of sale (no telephone interview1). Additional requirements may be needed when referred to Underwriting.

BONUS 10% of the single premium paid is automatically applied to the policy at issue.

GUARANTEED BENEFITS Guaranteed Return of Premium (less any loans, withdrawals or Accelerated Benefits paid out).

MINIMUM GUARANTEED INTEREST RATE There is a lifetime minimum guaranteed interest rate of 2%.

GUARANTEED VALUES Guaranteed values are based on a minimum guaranteed interest rate of 2%, guaranteed cost of insurance rates and guaranteed policy expense charges.

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POLICY LOANS Loans are allowed after the first policy year. The policy loan interest is 6% in arrears.

PARTIAL WITHDRAWALS Partial Withdrawals3 are allowed at any time. A withdrawal charge will apply if the Partial Withdrawal is taken during the surrender charge period. Withdrawals will reduce the face amount of the policy. There is a minimum Partial Withdrawal of $500 and any withdrawal must not reduce the Cash Surrender Value below $5,000.

SURRENDER CHARGES Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr 8 Yr 9 Yr 10 Yrs 11+ 12% 12% 11% 10% 9% 8% 7% 6% 4% 2% 0%

POLICY FEE No policy fee.

ALLOCATION DATE The allocation date will be one of the following dates; the 1st, 8th, 15th, or 22nd day of the month. It is the date when funds are allocated to the strategies and is the date from which contract years and contract anniversaries will be determined.

ALLOCATION PROCESSING The index value will be based upon the closing value of the index on the allocation date, or, if the allocation date is not a business day, then on the last business day prior to the allocation date. A business day is defined as a day when the New York Stock Exchange is open. The initial allocation of any premium may be made among the various strategies in any manner desired by the owner. Premiums are initially allocated to a holding account. This account will apply interest to the premiums between the time they are received and the time they are allocated to a crediting strategy. The interest earned will be treated as an interest credit to the policy and will be combined with the premium when allocated to a crediting strategy.

THREE INTEREST CREDITING STRATEGY OPTIONS 1. Declared Rate Strategy Interest credited daily and compounded; Minimum Guaranteed Interest Rate: 1.5% 2. Indexed Strategy 1 S&P 500® Index Annual Point to Point with Cap; Minimum Guaranteed Cap: 2% 3. Indexed Strategy 3 Global Look-Back Advantage Strategy Indexed Annual Point to Point with Participation Rate; Minimum Guaranteed Participation Rate: 20% Three Indices Used: Russell 2000® Index, EURO STOXX 50® Index and Hang Seng® Index

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GLOBAL LOOK-BACK ADVANTAGE STRATEGY CALCULATION The Global Look-Back Advantage Strategy is calculated by using 60% of the return of the best performing index, plus 40% of the return of the second best performing index, and is subject to the appropriate participation rate. The worst performing index is not used when determining the indexed interest rate.

Hypothetical Index Performance Example (This example is hypothetical for illustrative purposes only. It is not intended to predict or project any actual results.)

Index Index Return Look-Back Percentage Adjusted Look-Back Return

EURO STOXX 50 0.70% 40.00% 0.28%

Russell 2000 19.48% 60.00% 11.69%

Hang Seng 0.39% 0.00% 0.00%

A total Adjusted Look-Back Return of 11.97% (0.28% + 11.69% = 11.97%) at a Participation Rate of 25% equals a total interest credit of 2.99%

INDICES OFFERED • S&P 500®: Standard and Poor’s 500 Index is a capitalization-weighted index of 500 stocks. The index is designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. • EURO STOXX 50® Index is an index of 50 leading European companies. The index provides a blue- chip stock representation from those countries participating in the European Economic and Monetary Union. Each component’s weight is capped at 10% of the index’s value to avoid single stock domination. • Russell 2000® Index is an index of 2000 small cap U.S. companies. The Russell 2000® Index is constructed to provide a comprehensive small- cap barometer and is completely reconstituted annually to ensure larger stocks do not distort the performance and characteristics of the true small- cap companies. • Hang Seng® Index is an index of 48 of the largest companies listed on the Hong Kong stock exchange. It is a free float adjusted capitalization- weighted index of companies with a 15% cap to avoid single stock domination. For current rates and strategy options, download the Current Crediting Strategies/Rates PDF (Form 4062) from the Producer Portal. Please refer to page 10 for indices disclosures.

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ACCELERATED BENEFIT INSURANCE RIDER This inherent rider is included at no additional cost. This rider advances a portion of the death benefit if the eligibility requirements are satisfied for a Terminal Condition or a Chronic Illness. The death benefit of the policy must exceed $25,000 to be eligible for any acceleration. The maximum accelerated benefit available is the lesser of $250,000 or the policy death benefit less $25,000. A one-time administrative fee, the lesser of $250 or the maximum allowed by state law, will be deducted from the elected accelerated benefit amount. Terminal Condition Terminal Condition means the insured’s death is expected within 12 months or less. The elected accelerated benefit amount will be paid in a lump sum. Chronic Illness Chronic Illness2 means that the insured is unable to perform, without substantial assistance from another individual, at least 2 of 6 Activities of Daily Living (ADLs) for a period that is expected to last at least 90 days due to a loss of functional capacity. The Activities of Daily Living are: Eating, Toileting, Transferring/Walking, Bathing, Dressing and Continence. The benefit will be paid out in 33 equal monthly installments. In some states, the policy owner may choose to receive the accelerated benefit amount due to a chronic illness as a lump sum payment. If a lump sum payment is chosen, the amount of the payment will be 90% of the elected accelerated death benefit amount, less the administrative fee. If the insured dies prior to all payments being made, remaining payments will be paid to the beneficiary in a lump sum.

RIDER LIMITATIONS Payment of an Accelerated Benefit is subject to the following requirements: 1. Base plan and rider must be in force for 12 months before the insured is eligible to receive any accelerated benefit payment (not applicable in all states). 2. If the policy or this rider is subject to an irrevocable beneficiary designation or an assignment, except to Sagicor as a security for a policy loan, an insured must provide Sagicor with a written consent from any such beneficiary or assignee before any payment will be made under this rider. 3. In order to prevent an involuntary advance of proceeds, the Accelerated Benefit is not available if the owner or covered person: a) is required by a government agency to elect an Accelerated Benefit in order to meet the claims of creditors, whether in bankruptcy or otherwise; or ) b is required by the government agency to elect an Accelerated Benefit in order to apply for, obtain, or keep a government benefit or entitlement. 4. No Accelerated Benefit will be provided if the terminal condition or chronic illness results from intentionally self-inflicted injuries or attempted suicide while sane or insane (does not apply to policies sold in MO). 5. Only one type of Accelerated Benefit payment will be allowed. You cannot receive a payment based on a Terminal Condition and a Chronic Illness.

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UNDERWRITING PROCESSES AND GUIDELINES Sagicor uses Accelewriting®, the state-of-the art automated underwriting system that provides fast policy submission, review, approval and issue processes for our Fixed Indexed Single Premium Whole Life product. Please refer to the Accelewriting® Process Brochure for Sagicor’s Fixed Indexed Single Premium Whole LIfe and Interest Sensitive Single Premium Whole Life Products (Form 4613) for detailed information regarding Sagicor Life Insurance Company’s underwriting processes and guidelines.

FINANCIAL UNDERWRITING Establishing the Economic Value of Human Life is an important part of the underwriting process. The following information will help you in preparing and presenting cases and will help us determine life insurance needs.

Required Financial Data Financial information is required on applications with a face amount in excess of $1,000,000. Sagicor may request financial information for smaller amounts. To expedite underwriting, some examples of helpful financial data include:

Financial Estate Business • Signed Personal Balance Sheet • Estate Tax Calculations • Corporate Balance Sheets • Signed Financial Statement • Signed Financial Questionnaire • Audited Financials

APPROVED PARAMEDICAL COMPANIES Sagicor will be responsible for ordering all medical requirements and will process the order within two business days of receiving the application. Sagicor will follow up with the paramedical companies and the status will be provided on our website under pending policies.

APPS – American Para Professional EMSI - Examination Management ExamOne Systems, Inc. Services, Inc. 913-888-1770 800-727-2999 800-872-3674 www.examone.com www.appsnational.com www.emsinet.com

APPROVED LAB COMPANIES CRL – Clinical Reference Lab LabOne 800-882-1922 913-888-1770 www.crlcorp.com www.labone.com

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UNDERWRITING REQUIREMENTS

ACCELEWRITING®

Ages Ages Ages Net Amount at Risk 18 years - 65 years 66 years - 75 years 76 years - 85 years

$5,000 - $50,000 A A A

$50,001 - $100,000 A A B

$100,001 - $250,000 A B B

$250,001 and over B B B

A - Accelewriting® eApplication (Accelewriting® Process/No Telephone Interview4), Pharm DB, MIB, MVR B - Accelewriting® eApplication (Accelewriting® Process/No Telephone Interview4), Pharm DB, MIB, MVR, APS If application is referred to Underwriting, additional requirements may be requested.

APS – Attending Physician’s Statement ICR – Investigative Consumer Report BCP – Blood Chemistry Profile MIB – Medical Information Bureau EKG – Electrocardiogram MVR – Motor Vehicle Record HOS – Home Office Specimen Pharm DB – Pharmaceutical Database

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FOOTNOTES 1. Issuance of the policy may depend upon the answers to the health questions set forth in the application. 2. Not available in all states. State variations may apply. 3. Not available in MN. 4. Additional requirements and studies may be requested at the discretion of the Underwriter at any age and amount, such as, paramed including home office specimen (HOS), blood chemistry profile (BCP), Attending Physician’s Statements (APS), investigative consumer report (ICR), electrocardiogram (EKG), medical exam with blood & EKG.

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The Russell 2000® is a trademark of Frank Russell Company and has been licensed for use by Sagicor Life Insurance Company. The Products are not sponsored, endorsed, sold or promoted by Frank Russell Company and Frank Russell Company makes no representation regarding the advisability of investing in the Product.

The S&P 500 Index is a product of S&P Dow Jones Indices LLC (“SPDJI”), and has been licensed for use by Sagicor Life Insurance Company. Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Sagicor Life Insurance Company. Sagicor Life Insurance Company’s Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. The EURO STOXX 50® is the intellectual property (including registered trademarks) of STOXX Limited, Zurich, Switzerland (“STOXX”), Deutsche Börse Group or its licensors, which is used under license. The Products are neither sponsored nor promoted, distributed or in any other manner supported by STOXX, Deutsche Börse Group or their licensors, research partners or data providers and STOXX, Deutsche Börse Group and their licensors, research partners or data providers do not give any warranty, and exclude any liability (whether in negligence or otherwise) with respect thereto generally or specifically in relation to any errors, omissions or interruptions in the EURO STOXX 50® or its data. The Hang Seng Index (the “Index”) is published and compiled by Hang Seng Indexes Company HSI Services Limited pursuant to a license from Hang Seng Data Services Limited. The mark(s) and name(s) Hang Seng Index are proprietary to Hang Seng Data Services Limited. Hang Seng Indexes Company HSI Services Limited and Hang Seng Data Services Limited have agreed to the use of, and reference to, the Index by Sagicor Life Insurance Company in connection with the Policy (the “Product”), BUT NEITHER HANG SENG INDEXES COMPANY HSI SERVICES LIMITED NOR HANG SENG DATA SERVICES LIMITED WARRANTS OR REPRESENTS OR GUARANTEES TO ANY BROKER OR HOLDER OF THE PRODUCT OR ANY OTHER PERSON (i) THE ACCURACY OR COMPLETENESS OF THE INDEX AND ITS COMPUTATION OR ANY INFORMATION RELATED THERETO; OR (ii) THE FITNESS OR SUITABILITY FOR ANY PURPOSE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT; OR (iii) THE RESULTS WHICH MAY BE OBTAINED BY ANY PERSON FROM THE USE OF THE INDEX OR ANY COMPONENT OR DATA COMPRISED IN IT FOR ANY PURPOSE, AND NO WARRANTY OR REPRESENTATION OR GUARANTEE OF ANY KIND WHATSOEVER RELATING TO THE INDEX IS GIVEN OR MAY BE IMPLIED. The process and basis of computation and compilation of the Index and any of the related formula or formulae, constituent stocks and factors may at any time be changed or altered by HSI Services Hang Seng Indexes Company Limited without notice. TO THE EXTENT PERMITTED BY APPLICABLE LAW, NO RESPONSIBILITY OR LIABILITY IS ACCEPTED BY HSI SERVICE SHANG SENG INDEXES COMPANY LIMITED OR HANG SENG DATA SERVICES LIMITED (i) IN RESPECT OF THE USE OF AND/OR REFERENCE TO THE INDEX BY SAGICOR LIFE INSURANCE COMPANY IN CONNECTION WITH THE PRODUCT; OR (ii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES OR ERRORS OF HSI SERVICE SHANG SENG INDEXES COMPANY LIMITED IN THE COMPUTATION OF THE INDEX; OR (iii) FOR ANY INACCURACIES, OMISSIONS, MISTAKES, ERRORS OR INCOMPLETENESS OF ANY INFORMATION USED IN CONNECTION WITH THE COMPUTATION OF THE INDEX WHICH IS SUPPLIED BY ANY OTHER PERSON; OR (iv) FOR ANY ECONOMIC OR OTHER LOSS WHICH MAY BE DIRECTLY OR INDIRECTLY SUSTAINED BY ANY BROKER OR HOLDER OF THE PRODUCT OR ANY OTHER PERSON DEALING WITH THE PRODUCT AS A RESULT OF ANY OF THE AFORESAID, AND NO CLAIMS, ACTIONS OR LEGAL PROCEEDINGS MAY BE BROUGHT AGAINST HSI SERVICE SHANG SENG INDEXES COMPANY LIMITED AND/ OR HANG SENG DATA SERVICES LIMITED in connection with the Product in any manner whatsoever by any broker, holder or other person dealing with the Product. Any broker, holder or other person dealing with the Product does so therefore in full knowledge of this disclaimer and can place no reliance whatsoever on HSI Services Hang Seng Indexes Company Limited and Hang Seng Data Services Limited. For the avoidance of doubt, this disclaimer does not create any contractual or quasi-contractual relationship between any broker, holder or other person and HSI Services Hang Seng Indexes Company Limited and/or Hang Seng Data Services Limited and must not be construed to have created such relationship.

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Policy Forms: 1005, 6013, 6018, 6024 and 6033

SAGICOR LIFE INSURANCE COMPANY 4343 N. Scottsdale Road, Suite 300 Scottsdale, AZ 85251 www.SagicorLifeUSA.com CLIENT SERVICES (888) 724-4267 Ext. 4610 PRODUCER RESOURCE CENTER (888) 724-4267 Ext. 4680

4043 For producer use only. Not for use with the general public. S6800417 Sagicor is rated “A-” (Excellent) by A.M. Best Company (4th best out of 16 possible ratings). This rating is based on Sagicor’s financial strength and ability to meet its ongoing obligations. ®

PROCESS BROCHURE

Single Premium Fixed Indexed and Interest Sensitive Single Premium Whole Life Table of Contents

What is Accelewriting® 3 The 7 Steps of Accelewriting® 4 - 13 Accelewriting® Unisex Build Table 5 Accelewriting® Ineligible Prescription Drug List 6 Accelewriting® Medical Impairments 6 - 10 Frequently Asked Questions 14 - 15 Footnotes (back panel) WHAT IS ACCELEWRITING®? Sagicor Life Insurance Company’s (Sagicor) Accelewriting® process is an automated underwriting system that utilizes an eApplication to provide an underwriting decision in minutes and eliminates the need for a face-to-face meeting with the client and telephone interview. In some cases, additional requirements may be required, such as medical exams, bodily fluids and Attending Physician’s Statements (APS).1 These cases will automatically be referred to underwriting without the need for a new application which provides a ‘fast track’ to the underwriting review and approval process.

Accelewriting® with eDelivery is available on the following Single Premium Life Insurance Products:

Fixed Indexed Single Premium Whole Life Interest Sensitive Single Premium Whole Life (FISPWL) (ISSPWL)

Net Amount at Risk: Net Amount at Risk: For the purpose of the Net Amount at Risk For the purpose of the Net Amount at Risk (NAR) calculation during the submission process, (NAR) calculation during the submission process, the NAR equals the Guaranteed Death Benefit the NAR equals the Guaranteed Death Benefit Amount in year 1 of the illustration, less the single Amount in year 1 of the illustration, less the single premium paid. premium paid. There is no maximum, but amounts over the There is no maximum, but amounts over the NAR below will be referred to underwriting for NAR below will be referred to underwriting for additional review: additional review: - Available for amounts up to $250,000 for - Available for amounts up to $250,000 for ages 18 years to 65 years ages 45 years to 65 years - Available for amounts up to $100,000 for - Available for amounts up to $100,000 for ages 66 years to 75 years ages 66 years to 75 years - Available for amounts up to $50,000 for - Available for amounts up to $50,000 for ages 76 years to 85 years ages 76 years to 85 years

Issue Ages: Issue Ages: 18 years - 85 years 45 years - 85 years

2 Risk Classes: 2 Risk Classes: Standard Non-Tobacco Standard Non-Tobacco Standard Tobacco Standard Tobacco

Minimum Guaranteed Interest Rate: Minimum Guaranteed Interest Rate: There is a lifetime minimum guaranteed interest There is a lifetime minimum guaranteed interest rate of 2% rate of 3% Bonus: 10% of the single premium paid is automatically applied to the policy at issue

Inherent Rider: Inherent Rider: Accelerated Benefit Insurance Rider for Terminal Accelerated Benefit Insurance Rider for Terminal Condition or Chronic Illness2 Condition or Chronic Illness2

3 THE 7 STEPS OF ACCELEWRITING®

VERIFY THE PROPOSED INSURED IS ELIGIBLE FOR ACCELEWRITING® BY STEP 1 ASKING THEM THE FOLLOWING QUESTIONS FROM THE eAPPLICATION:

1. Does the Proposed Insured currently receive health care at home, or require assistance with bathing, dressing, feeding, taking medications or use of toilet? ___Yes ___No

2. Is the Proposed Insured currently in a Hospital, Psychiatric, Extended or Assisted Care, Nursing facility? ___Yes ___No

3. Is the Proposed Insured currently incarcerated due to a misdemeanor or felony conviction? ___Yes ___No

4. Has the Proposed Insured ever tested positive for the HIV virus or been diagnosed by a member of the medical profession as having AIDS or the AIDS Related Complex (ARC)? ___Yes ___No

5. Has the Proposed Insured ever tested positive for or been diagnosed by a member of the medical profession as having Alzheimer’s or Dementia, Cirrhosis, Emphysema or Chronic Obstructive Pulmonary Disease (COPD)? ___Yes ___No

6. In the past 10 years has the proposed insured had 2 or more of the following impairments: Cancer, Diabetes, coronary artery disease (including Heart Attack), Stroke or TIA (Transient Ischemic Attack), carotid artery disease, heart valve replacement, Peripheral Vascular Disease (PVD), Peripheral Artery Disease (PAD) or had multiple strokes or transient ischemic attacks (TIA)? ___Yes ___No

7. Has the Proposed Insured in the past 12 months been advised by a physician to be hospitalized or to have Diagnostic Tests, Surgery, or any medical procedure that has not yet been completed or for which the results are not yet available, except those tests related to the Human Immunodeficiency Virus (AIDS)? ___Yes ___No

8. Has the Proposed Insured in the past 24 months been diagnosed as having or advised by a physician to have treatment for Cancer (other than Basal Cell Carcinoma), Heart Attack, Stroke or TIA (Transient Ischemic Attack), Alcohol or Drug Abuse? ___Yes ___No

9. Has the Proposed Insured in the past 24 months had a Driver’s License revoked or suspended, or been convicted of 2 or more moving violations, or been convicted of a violation for driving while intoxicated or under the influence, or for driving while ability impaired because of the use of alcohol and/or drugs? ___Yes ___No

• If the Proposed Insured answered “No” to all of these questions, continue to Step 2. • If the Proposed Insured answered “Yes” to any of these questions, contact Sagicor’s Producer Resource Center (PRC) at 1-888-724-4267, ext. 4680 for other options.

4 VERIFY THE PROPOSED INSURED’S BUILD FALLS WITHIN STEP 2 THE UNISEX BUILD TABLE BELOW.

Minimum and Maximum weights are listed in pounds. ACCELEWRITING® UNISEX BUILD TABLE Height Minimum Maximum

4’8” 74 186

4’9” 76 192

4’10” 79 199

4’11” 82 206

5’0” 84 213

5’1” 87 220

5’2” 90 227

5’3” 93 235

5’4” 96 242

5’5” 99 250

5’6” 102 258

5’7” 105 265

5’8” 109 273

5’9” 112 282

5’10” 115 290

5’11” 118 298

6’0” 122 306

6’1” 125 315

6’2” 129 324

6’3” 132 333

6’4” 136 341

6’5” 139 350

6’6” 143 360

6’7” 146 369

6’8” 150 378

6’9” 162 388

6’10” 167 398

6’11” 172 408

• If the Proposed Insured’s build falls within this table, continue to Step 3. • If the Proposed Insured’s build falls outside of this table, they are not eligible for the products available through the Accelewriting® process. Plesae contact Sagicor’s Producer Resource Center (PRC) at 1-888-724-4267, ext. 4680 for other options. 5 STEP 3 DETERMINE THE PROPOSED INSURED’S ELIGIBILITY.

ACCELEWRITING® INELIGIBLE PRESCRIPTION DRUG LIST This is not an all inclusive list.

Advair Combivent Eldepryl Heparin Plavix Tamoxifen

Aggrenox Copaxone Eliquis Infergen Pradaxa Tarceva

Isosorbide Amiodarone Coreg Epivir Requip Warfarin dinitrate

Aricept Coumadin Evista Lanoxin Ribavirin Xarelto

Avonex Crixivan Exelon Lasix Risperdal Xeloda

Zidovudine Baclofen Depakote Femara Lupron Sinemet (AZT)

Carvedilol Digitek Furosemide Morphine Spiriva Zofran

Cognex Digoxin Haldol Nitroglycerin Sustiva Zyprexa

ACCELEWRITING® MEDICAL IMPAIRMENTS This is not an all inclusive list. Acceptance is not guaranteed and subject to prescription history. If you have questions regarding conditions, please call Underwriting at 1-888-724-4267, ext. 4650.

Condition Criteria Action

AIDS • Medically diagnosed as having Acquired Immune Deficiency Decline Syndrome (AIDS) or AIDS related complex (ARC)

Alcoholism • Diagnosis of alcohol abuse within the last 5 years Decline • Treatment for alcohol abuse within the last 5 years

Alzheimer’s • Diagnosed with, treated for or advised by a Licensed Physician Decline to be treated for memory loss, dementia or Alzheimer’s disease

Amputation • Caused by disease Decline

Anemia • Anemia or disorder of blood-unless iron deficiency anemia in Decline pre-menopausal female • Diagnosis of Thalassemia, Siderobastic anemia or sickle cell

Aneurysm • Treated with Surgery Accept

• Not treated Decline

Angina • All cases See Heart Disease

Angioplasty • All cases See Heart Disease

6 Condition Criteria Action

Arthritis • Rheumatoid, controlled with treatment of NSAID Accept

• Rheumatoid, all others Decline

Asthma • Hospitalized or seen in ER 2 or more times, Decline • Used steroid medication or required oxygen in the past 12 months • Combined with Tobacco Use, Smoker

Bladder • History of neurogenic bladder Decline • Bladder paralysis • Tumors, cysts or hospitalizations

Blindness • Other causes Accept

• Caused by diabetes, circulatory disorder, or other illness Decline

By-pass Surgery • All cases See Heart Disease

Cancer • Basal or Squamous cell Accept • 6 years or more since surgery, diagnosis, or last treatment; no recurrence or additional occurrence

• Colon, Leukemia, Liver, Lung, Lymphoma and Pancreatic Decline • Any Cancer other than Basal or Squamous cell within 5 years • Multiple bouts of cancer other than Basal or Squamous cell

Cerebral Palsy • If not self-supporting and/or mental impairment Decline

Chest Pains • If tests were done and the results were not normal Decline

Cholesterol • Cholesterol readings greater than 350 Decline

Chronic Obstructive • All cases Decline Pulmonary Disease (COPD)

Congestive Heart • All cases Decline Failure

Cystic Fibrosis • All cases Decline

Diabetes • If controlled on oral medication only or diet Accept

• Diagnosis under age 50 Decline • Blood sugar not checked in the past 6 months • Insulin use • Advised of uncontrolled blood sugars in the past 12 months • Complications such as diabetic coma, retinopathy, neuropathy, amputation, unintended weight loss

7 Condition Criteria Action

Disability • Other than pregnancy Referred to Underwriting

Down’s Syndrome • All cases Decline

Driving Record • DWI/DUI is within 24 months Decline • 2 or more driving violations within 24 months • License suspended/revoked within 24 months • History of 3 or more DUI/DWI

Drug/Substance • Diagnosis of substance abuse within the last 5 years Decline Abuse • Treatment for drug abuse • Relapses or abuse of another substance after initial treatment

Felony • Currently on parole, probation, awaiting pending charges or trial Decline

Gallstones • More than one episode in the past 12 months other than the Decline removal of the gallbladder

Headaches • Headaches that have increased in frequency or severity Decline • Headaches that have required hospitalization • Abnormal tests results within the past 2 years • Currently under evaluation or been advised to have further evaluation or testing done for headaches

Heart Disease • Includes heart attack, angina and angioplasty or stents Accept

• Cardiomyopathy Decline • Ventricular Fibrillation • Heart Transplants • Valve repair or replacment

Heart Murmur • History of surgery Accept

High Blood Pressure • Uncontrolled Decline

• Controlled with medication. Accept

Hodgkin’s Disease • All cases Decline

Hypothyroidism or • If diagnosed with hypothyroidism or hyperthyroidism and the Decline Hyperthyroidism symptoms are not controlled with treatment

Human • Positive test results for Human Immunodeficiency Virus (HIV) Decline Immunodeficiency Virus (HIV)

Immune System • All cases Decline Disorder

8 Condition Criteria Action

Kidney Disease • Kidney Failure Decline • Insufficiency or any other disease or disorder of the kidneys • Nephrectomy • Polycystic Kidney Disease • Transplant recipient

Liver Disease • History of Cirrhosis or Fibrosis Decline • History of elevated liver enzymes • Hepatitis C or any other forms (except A and B)

Lupus • Systemic Decline Erythematosus (SLE)

Melanoma • Treatment or Surgery: Completed 6 years or more, no recurrence Accept or additional occurrence

• Treatment or Surgery: Completed 5 years or less, any recurrence Decline

Mental or Nervous • Attention Deficit Hyperactivity Disorder (ADHD), Obsessive Accept Disorder Compulsive Disorder (OCD) • Anxiety or Panic Disorder, Seasonal Affective Disorder (SAD)

• Psychosis, Schizophrenia, Bipolar Disorder (Manic Depression), Decline Major Depression, Down Syndrome, or Autism • Suicide Attempt • Disability or loss of work due to any mental/nervous condition • Hospitalization within the last 6 months

Multiple Sclerosis • All cases Decline

Muscular Dystrophy • All cases Decline

Pacemaker • Without defibrillator and no other heart conditions Accept

Pancreatitis • If more than a single attack within a year Decline • If history of a pancreatic cyst, tumor or unresolved abscess

Paralysis • Includes paraplegia and quadriplegia Decline

Parkinson’s Disease • All cases Decline

Peripheral Vascular • All cases Decline Disease (PVD) • Includes Peripheral Arterial Disease (PAD)

Prostate • History of elevated PSA test results Decline • History of prostrate tumors other than BPH (benign prostatic hypertrophy)

9 Condition Criteria Action

Prostate • History of elevated PSA test results Decline • History of prostrate tumors other than BPH (benign prostatic hypertrophy)

Pulmonary Embolism • Single Episode over 6 months ago Accept

• Multiple Episodes Decline

Rectum or Intestines • Crohn’s Disease Decline • More than 1 episode of polyps or tumors in the past 3 years and was not benign • History of bleeding, obstructions, or unintended weight loss in the past 12 months • Ulcerative Colitis or surgical resection

Reproductive Organs • Disease/disorder of reproductive system Decline • History of abnormal bleeding or abnormal test results within the past two years • History of tumors, polyps, cysts, or fibroids in the past 2 years • Evaluated or advised to have further evaluation or surgery

Seizures • Grand Mal (Tonic-Clonic) Decline • Complex Partial Seizure • Petite Mal – 6 or more seizures w/n 12 months

Sleep Apnea • Controlled with treatment Accept

Stomach • History of bleeding, coughing up blood, or unintended weight Decline loss in the last 12 months. • Any history of strictures, obstructions, duping or erosion of stomach lining or hospitalizations in the past 12 months

Stroke, CVA/ • 1 TIA Accept Subarachnoid Hemorrhage, Transient Ischemic • Stroke, 2 or more TIAs Decline Attack (TIA)

Transplant, Organ or • History of transfusion, stem cell or bone marrow treatment Decline Bone Marrow

Tuberculosis • Over 1 year ago and no complications Accept

• Less than 1 year ago Decline

Urinary • Urinary obstruction within the last 12 months other than UTI Decline • History of blood or protein in urine

Weight Loss • 20 - 40lbs Accept

• Over 40lbs Referred to Underwriting 10 STEP 4 RUN THE ILLUSTRATION

1. Log on to the Producer Portal from the Sagicor website (www.SagicorLifeUSA.com). 2. Launch our Illustration Software by selecting Account Home. Then click on the bar that says “Run Sagicor Life Illustration Software Online.” 3. Click on “Start Illustration Tab”. 4. You must select “Jurisdiction, Product Type, and Product Name” for the Application option to appear. 5. Enter “Proposed Insureds” information (birthdate must be provided). 6. Enter product information. 7. Select “Reports” to see entire illustration. 8. Save the illustration. 9. Select “Application” to complete the eApplication.

Note: (1) Be sure to run the illustration for the state in which the client will sign the eApplication. This will help ensure that the correct forms, coverage, rates, etc. are used and helps eliminate delays in processing.

(2) The on-line version of the Illustration Software must be used with the eApplication.

(3) The illustration must be saved before you enter the eApplication.

(4) Information entered in the illustration cannot be altered during the eApplication including the premium mode selected.

See ‘Detailed Instructions for Running an Illustration’ on the Producer Portal for further information.

11 STEP 5 COMPLETE THE eAPPLICATION

1. Click on “Application” and then “Create Application.” 2. Complete the 4 steps for the eApplication: a. Form Entry b. Signatures c. Review - Request Review and/or Submit application electronically. d. Finalize

STEP 6 INFORMATION VERIFICATION AND UNDERWRITING DECISION

1. Identification information such as name, address, date of birth and social security number will be verified. If verified, the eApplication is submitted immediately via Accelewriting®. If not verified, the eApplication will be reviewed and any identification discrepancies will need to be addressed before it can go through AccelewritIng®. Sagicor will contact you as needed. 2. Once submitted through Accelewriting® the decision comes back to you electronically in minutes (1 – 2 minutes on average). If you are still in the Sagicor software you will see a message pop up on your screen. If you have closed the software, there will be a message for you in the ‘Message Center’ (upper right hand corner of your illustration screen) and in the Application History Section when you return. 3. The possible underwriting decisions are: • Approved Standard Non-Tobacco • Approved Standard Tobacco • Referred to Underwriting (RTU) • Declined

12 STEP 7 POLICY DELIVERY AND COMMISSION PAYMENT

A. If Client opts for policy eDelivery at time of eApplication and no requirements are needed, the following steps will occur: a. Sagicor delivers a policy link via email to the producer and client. b. Client electronically accepts policy. c. Sagicor settles policy and pays commissions electronically.

B. If Client opts for policy eDelivery at time of eApplication and a revised illustration is required, the following steps will occur: a. Sagicor delivers a policy link via email which includes the revised illustration to the producer. b. The producer electronically signs the revised illustration and then sends policy link via email to the client. c. Client electronically signs the revised illustration and accepts the policy. d. Sagicor settles policy and pays commissions electronically.

C. If Client opts for policy eDelivery at time of eApplication and both a revised illustration and amendment are required, the following steps will occur: a. Sagicor delivers a policy link via email which includes the revised illustration and amendment to the producer. b. The producer electronically signs the revised illustration and then sends policy link via email to the client. c. Client electronically signs the revised illustration, amendment, and accepts the policy. d. Sagicor settles policy and pays commissions electronically.

D. If Client opts for policy eDelivery at time of eApplication and an amendment is required, the following steps will occur: a. Sagicor delivers a policy link via email which includes an amendment to the producer and client. b. Client electronically signs the amendment and accepts the policy. c. Sagicor settles policy and pays commissions electronically.

E. If Client opts out of policy eDelivery at time of eApplication, the following steps will occur: a. Sagicor mails the policy including any requirements to the producer. b. Producer delivers the policy to owner and gets any delivery requirements signed. c. Producer signs any delivery requirements. d. Producer sends all delivery requirements to Sagicor. e. Sagicor settles policy and pays commissions electronically.

Please note: Step 7A & 7E - Applies to FISPWL and ISSPWL products. Step 7B, 7C & 7D - May apply to FISPWL and ISSPWL products.

13 FREQUENTLY ASKED QUESTIONS

What is Accelewriting®? Sagicor’s Accelewriting® process is an automated underwriting system that utilizes and eApplication to provide an underwriting decision in minutes and eliminates the need for a face-to-face meeting with the client and telephone interview. In some cases, additional requirements may be required, such as medical exams, bodily fluids and Attending Physician’s Statements (APS).1 These cases will automatically be referred to underwriting without the need for a new application which provides a ‘fast track’ to the underwriting review and approval process Accelewriting® is used in conjunction with an eApplication. What is the maximum amount of total coverage available? There is no maximum amount. A total Net Amount at Risk (NAR) more than $250,000 will require underwriting review; contact the Producer Resource Center (PRC) for more information. When sumbitting a single premium eApplication, how is Net Amount at Risk (NAR) calculated? The NAR equals the Guaranteed Death Benefit Amount in year 1 of the illustration, less the single premium paid. Is there a telephone interview? No. Your initial questions and the expanded eApplication pages allow our Accelewriting® automated rules engine to gather needed information without a vendor telephone interview. Can I use a tablet? Yes, the eApplication process that utilizes Accelewriting® is fully tablet compatible. What is policy eDelivery? eDelivery provides an instant electronic policy delivery to your client at policy issue and lets you monitor the entire process through the eDelivery Producer dashboard. eDelivery is only available with an eApplication and is an optional feature at no additional charge. Will I need to enter my client’s information more than once as I complete the illustration and eApplication? No. All information entered into the Illustration System is electronically entered in the eApplication which reduces the need for duplicate data entry. Once the illustration is saved, approximately 77% of the eApplication is complete. Can an eApplication be entered without first completing an illustration? No. The illustration must be completed and saved before the eApplication can be started. Can you alter information on the eApplication without changing the illustration? No. Any information that has been pre-filled in the eApplication, from the illustration, cannot be changed without going back to the illustration and rerunning it. What can slow down processing and the underwriting decision on Accelewriting®? Inaccurate information. Be sure the data input is accurate including identification information such as name, address, date of birth, etc.; these items must be accurate. Certain errors (i.e. incorrect states, wrong producer number) stop the process and require manual input by you or us. Make sure your producer license and appointment information is up to date before you submit the eApplication. This can cause delays. What else can slow down the process? Premiums not received. Please be sure all paperwork for funds transfers are completed accurately and any premium due is submitted to Sagicor in a timely manner. 14 Which state should I use to run the illustration for a client? The state where the client will sign the eApplication should be used for both the illustration and the eApplication. You need to be licensed and appointed by Sagicor in that state or we will not be able to complete the application process. What happens if the client selects ‘Decline eSignature’? If the client declines to eSign, they cannot continue with the application process. How will I know if the client has signed all documents? When the client has reviewed and signed all documents you will receive a message in your ‘Message Center’ located in the Illustration System and an email at your email address on file with us. What happens if the client cannot open the email? We suggest you resend the email. If the client still cannot open the email, there may be an issue with the software. If it cannot be resolved, contact the Producer Resource Center for assistance. What happens if my client finds that the completed and signed eApplication needs changes? The eApplication can be unlocked and changed prior to submission. Once completed, signed and submitted, we cannot go back and change it. What can I do if a client is declined? Please contact Sagicor’s Producer Resource Center for other options. How are consumer reports used with the Accelewriting® process? Because our underwriting decision will be based, in whole or in part, on one or more consumer reports regarding the applicant, we are required to inform the applicant of where we obtain this information. The consumer reporting agencies do not make the underwriting decision for the applicant’s policy. The Disclosure Notice to Proposed Insured is included in the eApplication. Sagicor, or its reinsurers, may also release information to other insurance companies to whom the applicant may apply for life or health insurance or to whom a claim for benefits may be submitted. The applicant may obtain a free consumer report by requesting it directly from that agency within 60 days of the application. Further, the applicant has the right to dispute directly with the consumer reporting agency the accuracy or completeness of any information provided by that consumer reporting agency. What if my client has a dispute regarding the Medical Information Bureau or Motor Vehicle Records reports? Should your client have a dispute regarding these reports, they may contact these agencies directly. The agencies contact information is provided below. MIB, Inc. First Advantage ADR 50 Braintree Hill, Suite 400 Attn: Consumer Request Braintree, MA 02184-8734 2860 Gold Tailings Court (866) 692-6902 or TTY (866) 346-3642 Rancho Cordova, CT 95670 www.mib.com Who do I contact for additional information about Sagicor’s Accelewriting® process? • Contact your Sagicor Regional Sales Manager, or • Call our Producer Resource Center (toll-free) at 1-888-724-4267 Extension 4680, or • Email our Producer Resource Center at [email protected]

15 FOOTNOTES

1 Issuance of the policy may depend upon the answers to the health questions set forth in the application. 2 Not available in all states. State variations may apply.

This material is for informational purposes only. Please see the policy forms and riders for details. Policy forms and riders may vary by state and may not be available in all states. Policy Forms: 1002, 1005, 6013, 6018, 6024 and 6033

4913 For producer use only. Not for use with the general public. S6800417 Sagicor is rated “A-” (Excellent) by A.M. Best Company (4th best out of 16 possible ratings). This rating is based on Sagicor’s financial strength and ability to meet its ongoing obligations. State Product Approvals as of 04-05-2017 Click on each State for Approved Optional Riders & Benefits

Sage TermSage - NLUL10/15/20Platinum - No SageYear FixedLapse WholeTerm GoldIndexed Universal Life InterestGold Universal Life Fixed SensitiveSage IndexedLife SelectSage Single ChoiceFIA SingleGold Premium- Fixed Single SPDAPremium Indexed WholePremium - Single Whole AnnuityLife Premium Immediate Life Deferred Annuity Annuity (SPIA) Alabama  p p n p p l l l Arizona  p p n p p l l l Arkansas  p p n p p l l l Our Sales Team is ready California  n n n n n l l l Colorado  p p n p p l l l to help you with Delaware  p p n p p l l l Features and Benefits District of Columbia  p p n p p l l l for each Product, Florida n p n n p p l l l Georgia  p p n p p l l l Joint Recruiting or Hawaii  p p n p p l l l Client Calls, Idaho  p p n p p l l l Sagicor Tools and  p n n n n l l l Illinois Procedures and much Indiana  p p n p p l l l Iowa  p p n p p l l l more! Kansas  p p n p p l l l Kentucky  p p n p p l l l Louisiana  p p n N/A N/A l l l Maryland  p p n p p l l l Massachusetts  p p n N/A N/A l l l Please contact our Michigan  p p n p p l l l Producer Resource Minnesota  p p n p p l l l Mississippi  p p n p p l l l Center (PRC) for any Missouri  p p n p p l l l questions concerning Montana N/A N/A N/A nu pu N/A u N/A u the illustration software. Nebraska  p p n p p l l l Nevada  p p n p p l l l New Hampshire  p N/A n N/A N/A l N/A N/A New Jersey  p p n p N/A l l l New Mexico  p p n p p l l l  n l l l North Carolina p p p N/A Please call us at North Dakota  p p n p p l l l Ohio  p p n p p l l l (888) 724-4267  Oklahoma p p n p p l l l Ext. 4680 for more Oregon  p p n N/A N/A l l l Pennsylvania  p p n N/A N/A l l l details. Rhode Island  p p n p p l l l South Carolina  p p n p p l l l South Dakota  p N/A n p p l l l Tennessee  p p n p p l l l Texas  p p n p p l l l Utah  p p n p p l l l Product availability and  p p n n l l l Virginia N/A features may vary by state. Washington  p n n p p l l l FOR PRODUCER USE ONLY West Virginia  p p n p p l l l Wisconsin  p p n p p l l l DO NOT DISTRIBUTE Wyoming  p p n p p l l l l Product Approved  Product Approved with Unisex Rates p Product Approved - Accelerated Death Benefit is payable due to Terminal Condition or Chronic Illness x Product Approved - Accelerated Death Benefit is payable due to Terminal Condition or Nursing Home Confinement n Product Approved - Accelerated Death Benefit is only payable due to Terminal Condition N/A means that the Product is not available in that state at this time Riders & Benefits Available by Product as of 04-05-2017

Alabama Sage TermSage - 10/15/20NLULPlatinum - No YearSage LapseFixed Term Whole GoldIndexedUniversal LifeInterestGold Universal Life Fixed SensitiveSage LifeIndexed SelectSage Single FIASingle Choice GoldPremium - Fixed Premium SingleSPDA Indexed Whole -Premium SingleWhole LifeAnnuity PremiumLife Immediate Deferred Annuity Annuity (SPIA) Accelerated Benefit Insurance Rider       Due to Terminal Condition       Due to Chronic Illness     Due to Nursing Home Confinement  Accidental Death Benefit Rider     Children's Term Rider     Confinement/Terminal Illness Waiver of Surrender Charge Benefit  Nursing Home Facility or Confined Care Facility Confinement Benefit  One Time Withdrawal Rider  Waiver of Monthly Deductions Rider   Waiver of Premium Rider    Approved Optional Riders  Inherent Rider or Benefit  Included under Accelerated Benefit Rider