SAVE YOUR CLIENTS FROM CONFUSING TERMS, COMPLICATED PRODUCTS AND UNCERTAIN FUTURES

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1 SAVE YOUR CLIENTS FROM CONFUSING TERMS, COMPLICATED PRODUCTS AND UNCERTAIN FUTURES Providing a financial foundation for a child has never been easier. Our new Advance Payment Grow-Up Plan offers a twist on our existing Gerber Life Grow-Up Plan by enabling your clients to give the gift of life insurance protection through a convenient single advanced payment. Plus, our Advance Payment Grow-Up Plan has the same features and benefits that you already know and love, including the automatic doubling of coverage during age 18 with no additional premium required. Helping families build a brighter financial future that s a job fit for a hero. Read on to learn more about the Advance Payment Grow-Up Plan and for instructions on how to run a quote on the Gerber Life Agent Portal. WHY SHOULD MY CLIENTS CONSIDER MAKING AN ADVANCE PAYMENT WITH GERBER LIFE? We created this option, by request, to meet the needs of clients who prefer to pay for a Gerber Life Grow-Up policy through a single advanced payment. 1 It provides your clients with simplicity and convenience and is best suited to individuals who have the funds to make a one-time payment and would like to give the gift of life insurance protection right away. HOW DOES THE ADVANCE PAYMENT WORK? By making a single payment, the policy will be paid, in advance, until the child reaches the age covered by the payment (the minimum is 5 years of premiums and the maximum is to age 121). If the payment covers premiums until the child is age 121, the child will not have to make premium payments. However, if the policy is not paid to age 121, the child will be responsible for future payments after the Pay to Age selected. The child becomes the legal owner of the policy at age 21. The Advance Payment goes into a separate, non-interest bearing account, to be used to pay the annual premium on the coverage purchased up until the age selected, when the payment is fully used. IS THERE ANY CHANCE OF A CHILD BEING DECLINED FOR COVERAGE? Any healthy child, from 14 days to 14 years old, is eligible, however, coverage depends on answers to health questions based on the child s age. IF MY CLIENTS ARE GRANDPARENTS, CAN THEY PAY FOR POLICIES FOR THEIR GRANDCHILDREN? Yes. Grandparents can purchase life insurance for their grandchildren. If multiple policies are purchased for the same grandchild, the maximum amount that can be purchased, for all policies combined, is 50,000. WILL MY CLIENT NEED TO OBTAIN THE CHILD S OR GRANDCHILD S MEDICAL RECORDS AND IS A PHYSICAL EXAM REQUIRED? There is no physical exam, and medical records/health statements are only required for special health situations. HOW CAN I OBTAIN A QUOTE FOR THE ADVANCE PAYMENT GROW-UP PLAN? You can run a quote on the Gerber Life Agent Portal or on our mobile app, Agent Zone, by clicking the Grow-Up Plan on the home page. There are two choices to quote the Advance Payment Grow-Up Plan: Lump Sum Amount Use this option if a client would like to see how much coverage can be purchased by targeting a specific advance payment amount. Face Amount Use this option to see the advance payments for three standard face amount choices. You can also customize the quote if a client wants to see the advance payment for another face amount not shown. 1 The single advanced payment does not create a Modified Endowment Contract. Not FDIC Insured Not Bank Guaranteed Not a Deposit or Other Bank Obligation FOR AGENT USE ONLY. NOT TO BE USED WITH CONSUMERS.

2 Gerber Life Advance Payment Grow-Up Plan 2 EXECUTING A RATE QUOTE THROUGH GERBER LIFE S AGENT PORTAL Refer to the step-by-step instructions below to execute an Advance Payment Grow-Up Plan rate quote through Gerber Life s Agent Portal. HELP ICONS Question marks appear by certain fields which provide explanations for fields that are either new or have been modified for the Advance Payment Grow-Up Plan. Click on any question mark and a corresponding explanation for the field will appear. STEP 1: STATE AND QUOTE FIELDS Select the applicant s state of residence in the State field. For the Quote field, select one of the two Advance Payment options: Lump Sum or Face Amount. Note that the Rates and Pay fields will be greyed out since they do not apply to the Advance Payment Grow-Up Plan. STEP 2: INSURED INFORMATION AND PAY TO AGE FIELD Enter information about the insured child, including: First and Last Name, Date of Birth, and whether the child is a Male or Female. In the Pay to Age field, enter an age for the child, (the minimum is the current age plus 5 years of premiums and the maximum is to age 121). The policy will be paid, in advance, until the child reaches the age covered by the payment. If the policy is not paid to age 121, the child will be responsible for payments after the Pay to Age selected. At age 21, the child becomes the legal owner of the policy. STEP 3: GET QUOTE ADVANCE PAY LUMP SUM In the Get Quote field, enter an amount your client would like to pay, in advance, as a total lump sum for all children. Be sure the lump sum amount you enter is within the range the system indicates. Note: For Advance Pay Face Amount, the Get Quote field will not appear. Instead, once all the necessary fields are completed as outlined above, a rate table will automatically appear as indicated in Step 4.

3 Gerber Life Advance Payment Grow-Up Plan 3 STEP 4: RATE QUOTES ADVANCE PAY LUMP SUM A rate quote table will appear that shows how the total requested payment amount is divided among multiple children with the face amount being equal for all children. The information in the table can be used to populate the sales proposal. The payment amount calculated could be slightly under the client s desired total amount in order to achieve equal face amounts for all children. You can save the quote by clicking either the Save Quote link or the Proceed to Application button. RATE QUOTES ADVANCE PAY FACE AMOUNT A rate quote table will appear that shows the advance payments for three standard face amount options. If your client wants to see another face amount from what is shown, you have the ability to enter the face amount in the far right column (from 10K - 50K). The information in the table for the option selected can be used to populate the sales proposal. You can save the quote by clicking either the Save Quote link or the Proceed to Application button. STEP 5: APPLICATION PAGE If you choose to submit an e-application, click the Proceed to Application button. The rate quote will be summarized on the application page and will display the coverage amount, total advance payment amount and the Pay to Age (the age the policy is paid through). A few additional pieces of information are required to complete the application. Once complete, have your client sign the application via e-signature and submit the application electronically. If the payment amount exceeds the allowable maximum for a debit/credit card payment (10,000 max.) and for a one-time ACH draft (25,000 max.), then you will need to print and mail the application and include a check or Money Order for the total amount. You can also make changes to the quote if needed by clicking Edit Quote at the top of the application page. Clicking this link will take you back to the quote page to re-quote the advance payment (for example, if you need to change the DOB or gender) or to add children to the application. Any data you entered on the application page will be saved if you need to go back to the quote page to make changes.

4 Gerber Life Advance Payment Grow-Up Plan 4 ADVANCE PAYMENT GROW-UP PLAN SALES PROPOSAL Once you ve selected a quote option, you can save it and have it populate into the Advance Payment Grow-Up Plan sales proposal which you can to your client. The format of the proposal is illustrated below. COVER PAGE The cover page will be personalized with your name, address, and contact information, the client s name, and the date. SALES PROPOSAL RATE QUOTE The sales proposal includes a rate table. The two versions below show how the rate table can expand from a single quote for one child to a quote for up to six children. The table includes the name, age, and date of birth of the insured child, the face amount, Pay to Age, and total cost. BE A HERO IN ADVANCE Children s Whole Life Insurance Policy Proposal Prepared for: Prepared by: Gerber Life Authorized Agent 123 Main Street Anytown, NY XXX-XXX-XXXX John.smith@gerberlife.com Date Prepared: XX/XX/XXXX Enhance your children s or grandchildren s security with the gift of whole life insurance protection that provides them with a valuable head start and a financial foundation for the future. Unlike many other children s whole life insurance policies, the coverage amount automatically doubles during age 18. With an advanced payment*, you can buy up to 50,000 in life insurance protection with no health exam required, so you can do the right thing today and be their hero tomorrow. Coverage doubles during age 18. YOUR PERSONAL INSURANCE QUOTE No additional premium required. FREQUENCY TYPE: ADVANCE PAYMENT (LUMP SUM) NAME OF INSURED CHILD AGE DATE OF BIRTH FACE AMOUNT PAY TO AGE TOTAL COST Premium shown has been calculated until the child reaches the age in the Pay to Age column of the table. Premiums will be taken out of the advance payment, on an annual basis, until the child reaches the Pay to Age above. If the policy is not paid to age 121, the child will be responsible for payments after the age you selected (see Pay to Age column). At age 21, the child becomes the legal owner of the policy. 1. IS THERE ANY CHANCE OF A CHILD BEING DECLINED FOR COVERAGE? Any healthy child, from 14 days to 14 years old, is eligible, however, coverage depends on your answers to health questions based on the child s age. An important feature is that no health exam is necessary. 2. WHAT S THE MAIN ADVANTAGE OF MAKING AN ADVANCED PAYMENT? Gerber Life created this option for those who are looking for simplicity and want to provide a financial foundation for their children or grandchildren. 3. HOW MUCH INSURANCE CAN I PURCHASE? With Gerber Life s Advance Payment Grow-Up Plan, you can choose a life insurance face amount from 10,000 up to 50,000 in coverage. Regardless of the amount you choose, the benefit doubles automatically during the year that your child or grandchild turns age 18, with no additional premium required. For [Name of Child] listed above, the initial face amount of [XX,XXX] would double to [XXX,XXX] during age IS THE LIFE INSURANCE COVERAGE GUARANTEED FOR THE CHILD AS AN ADULT? Yes. The plan provides four opportunities for your child or grandchild to buy additional coverage as an adult.** The maximum amount of life insurance can be up to 10 times the original face amount regardless of health or occupation. By exercising these options and with the doubling of coverage during age 18, a 50,000 policy could become 500,000 in life insurance without your child or grandchild ever having to answer a medical question or undergo a physical exam. 5. WHAT HAPPENS WHEN THE CHILD TURNS AGE 21? By making a single payment, the policy will be paid, in advance, until the child reaches the age covered by the payment.*** At age 21, the child becomes the legal owner of the policy. 6. DOES THE PLAN BUILD CASH VALUE? Yes, it builds cash value. Once you ve purchased the coverage, you can refer to the insurance policy for the year-by-year growth in cash value. Enhance your children s or grandchildren s security with the gift of whole life insurance protection that provides them with a valuable head start and a financial foundation for the future. Unlike many other children s whole life insurance policies, the coverage amount automatically doubles during age 18. With an advanced payment*, you can buy up to 50,000 in life insurance protection with no health exam required, so you can do the right thing today and be their hero tomorrow. Coverage doubles during age 18. YOUR PERSONAL INSURANCE QUOTE No additional premium required. FREQUENCY TYPE: ADVANCE PAYMENT (LUMP SUM) NAME OF INSURED CHILD AGE DATE OF BIRTH FACE AMOUNT PAY TO AGE TOTAL COST TOTAL FOR ALL CHILDREN Premium shown has been calculated until the child reaches the age in the Pay to Age column of the table. Premiums will be taken out of the advance payment, on an annual basis, until the child reaches the Pay to Age above. If the policy is not paid to age 121, the child will be responsible for payments after the age you selected (see Pay to Age column). At age 21, the child becomes the legal owner of the policy. Not FDIC Insured Not Bank Guaranteed Not a Deposit or Other Bank Obligation Copyright 2017 Gerber Life Insurance Company, White Plains, NY A financially separate affiliate of the Gerber Products Company. All rights reserved. *The Advance Payment goes into a separate, non-interest bearing account, to be used to pay the annual premium on the coverage you ve purchased up until the age you ve selected, when such is fully used. **As an adult policy owner, your child or grandchild will have up to four opportunities to buy additional insurance through the Guaranteed Purchase Option (regardless of health or occupation) at ages 21, 25, 30, 35, 40, when he or she gets married or has a child. ***The original policy owner chooses the age that premiums will be paid to (the minimum is 5 years of premiums and the maximum is to age 121). If the payment covers premiums until the child is age 121, the child will not have to make premium payments. However, if the policy is not paid to age 121, the child will be responsible for future payments after the Pay to Age selected. This quote is an estimate based on the initial information you have provided. Your actual premium will be determined based on both the completion of the underwriting process and the premiums you select. A policy will be issued only if you meet all of our required underwriting qualifications. Other coverage amounts are available. No charges or billing will be incurred until the application is approved. The premiums shown may vary based upon review of the Proposed Insured s medical history. In the event of a premium change, we will notify you by mail before you are charged. *The Advance Payment goes into a separate, non-interest bearing account, to be used to pay the annual premium on the coverage you ve purchased up until the age you ve selected, when such is fully used. This quote is an estimate based on the initial information you have provided. Your actual premium will be determined based on both the completion of the underwriting process and the premiums you select. A policy will be issued only if you meet all of our required underwriting qualifications. Other coverage amounts are available. No charges or billing will be incurred until the application is approved. The premiums shown may vary based upon review of the Proposed Insured s medical history. In the event of a premium change, we will notify you by mail before you are charged. Single Quote for One Child Quote for Multiple Children FAQS AND CLOSING SUMMARY The proposal includes a few Frequently Asked Questions to help explain the product to your clients as well as a personalized closing at the end. Enhance your children s or grandchildren s security with the gift of whole life insurance protection that provides them with a valuable head start and a financial foundation for the future. Unlike many other children s whole life insurance policies, the coverage amount automatically doubles during age 18. With an advanced payment*, you can buy up to 50,000 in life insurance protection with no health exam required, so you can do the right thing today and be their hero tomorrow. Coverage doubles during age 18. YOUR PERSONAL INSURANCE QUOTE No additional premium required. FREQUENCY TYPE: ADVANCE PAYMENT (LUMP SUM) NAME OF INSURED CHILD AGE DATE OF BIRTH FACE AMOUNT PAY TO AGE TOTAL COST Premium shown has been calculated until the child reaches the age in the Pay to Age column of the table. Premiums will be taken out of the advance payment, on an annual basis, until the child reaches the Pay to Age above. If the policy is not paid to age 121, the child will be responsible for payments after the age you selected (see Pay to Age column). At age 21, the child becomes the legal owner of the policy. 1. IS THERE ANY CHANCE OF A CHILD BEING DECLINED FOR COVERAGE? Any healthy child, from 14 days to 14 years old, is eligible, however, coverage depends on your answers to health questions based on the child s age. An important feature is that no health exam is necessary. 2. WHAT S THE MAIN ADVANTAGE OF MAKING AN ADVANCED PAYMENT? Gerber Life created this option for those who are looking for simplicity and want to provide a financial foundation for their children or grandchildren. 3. HOW MUCH INSURANCE CAN I PURCHASE? With Gerber Life s Advance Payment Grow-Up Plan, you can choose a life insurance face amount from 10,000 up to 50,000 in coverage. Regardless of the amount you choose, the benefit doubles automatically during the year that your child or grandchild turns age 18, with no additional premium required. For [Name of Child] listed above, the initial face amount of [XX,XXX] would double to [XXX,XXX] during age IS THE LIFE INSURANCE COVERAGE GUARANTEED FOR THE CHILD AS AN ADULT? Yes. The plan provides four opportunities for your child or grandchild to buy additional coverage as an adult.** The maximum amount of life insurance can be up to 10 times the original face amount regardless of health or occupation. By exercising these options and with the doubling of coverage during age 18, a 50,000 policy could become 500,000 in life insurance without your child or grandchild ever having to answer a medical question or undergo a physical exam. 5. WHAT HAPPENS WHEN THE CHILD TURNS AGE 21? By making a single payment, the policy will be paid, in advance, until the child reaches the age covered by the payment.*** At age 21, the child becomes the legal owner of the policy. 6. DOES THE PLAN BUILD CASH VALUE? Yes, it builds cash value. Once you ve purchased the coverage, you can refer to the insurance policy for the year-by-year growth in cash value. *The Advance Payment goes into a separate, non-interest bearing account, to be used to pay the annual premium on the coverage you ve purchased up until the age you ve selected, when such is fully used. **As an adult policy owner, your child or grandchild will have up to four opportunities to buy additional insurance through the Guaranteed Purchase Option (regardless of health or occupation) at ages 21, 25, 30, 35, 40, when he or she gets married or has a child. ***The original policy owner chooses the age that premiums will be paid to (the minimum is 5 years of premiums and the maximum is to age 121). If the payment covers premiums until the child is age 121, the child will not have to make premium payments. However, if the policy is not paid to age 121, the child will be responsible for future payments after the Pay to Age selected. This quote is an estimate based on the initial information you have provided. Your actual premium will be determined based on both the completion of the underwriting process and the premiums you select. A policy will be issued only if you meet all of our required underwriting qualifications. Other coverage amounts are available. No charges or billing will be incurred until the application is approved. The premiums shown may vary based upon review of the Proposed Insured s medical history. In the event of a premium change, we will notify you by mail before you are charged. Help secure your children s or grandchildren s future with the Gerber Life Advance Payment Grow-Up Plan. One single advanced payment today can provide extra protection for tomorrow. The sooner you apply, the quicker you can lock in your advanced payment amount. CONTACT ME TODAY TO GET STARTED. Name: Call: Benefits, Exclusions and Limitations: A Buyer s Guide to Life Insurance and a Policy Summary are sent with all policies. You can get them without applying for insurance by writing to us. If the insured dies by suicide during the first two years from the Issue Date (one year in ND), the only amount payable will be the premiums paid for the policy, less any debt against the policy. In CA, CT, DE, DC, FL, NY, ND, SD and WA requirements vary somewhat. Before your policy is issued, and depending on your state s regulations, you will either receive additional information or a different application to sign and return. Benefit amounts are subject to Gerber Life insurance limits. [To approve your insurance and service your policy, we may collect or disclose information about you, as permitted by law, which may include certain disclosures made without your prior authorization. You have the right to access and correct personal information that we have about you. You may also receive a detailed notice on Gerber Life s Information Practices, upon request.] Policy Form: ICC12-GPP, Series GPP-12. For CA agent will call. Disclosure to Individuals Age 65 or Older: You should be aware that the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or someone on your behalf may wish to consult independent legal, tax, or financial advice before selling or liquidating any assets and prior to the purchase of any life insurance or annuity products being solicited, offered for sale, or sold. AGT-GU200(1117) 1. IS THERE ANY CHANCE OF A CHILD BEING DECLINED FOR COVERAGE? Any healthy child, from 14 days to 14 years old, is eligible, however, coverage depends on your answers to health questions based on the child s age. An important feature is that no health exam is necessary. 2. WHAT S THE MAIN ADVANTAGE OF MAKING AN ADVANCED PAYMENT? Gerber Life created this option for those who are looking for simplicity and want to provide a financial foundation for their children or grandchildren. 3. HOW MUCH INSURANCE CAN I PURCHASE? With Gerber Life s Advance Payment Grow-Up Plan, you can choose a life insurance face amount from 10,000 up to 50,000 in coverage. Regardless of the amount you choose, the benefit doubles automatically during the year that your child or grandchild turns age 18, with no additional premium required. For each of the children listed, the initial face amount of [XX,XXX] would double to [XXX,XXX] during age IS THE LIFE INSURANCE COVERAGE GUARANTEED FOR THE CHILD AS AN ADULT? Yes. The plan provides four opportunities for your child or grandchild to buy additional coverage as an adult.** The maximum amount of life insurance can be up to 10 times the original face amount regardless of health or occupation. By exercising these options and with the doubling of coverage during age 18, a 50,000 policy could become 500,000 in life insurance without your child or grandchild ever having to answer a medical question or undergo a physical exam. 5. WHAT HAPPENS WHEN THE CHILD TURNS AGE 21? By making a single payment, the policy will be paid, in advance, until the child reaches the age covered by the payment.*** At age 21, the child becomes the legal owner of the policy. 6. DOES THE PLAN BUILD CASH VALUE? Yes, it builds a small amount of cash value. Once you ve purchased the coverage, you can refer to the insurance policy for the year-by-year growth in cash value. Help secure your children s or grandchildren s future with the Gerber Life Advance Payment Grow-Up Plan. One single advanced payment today can provide extra protection for tomorrow. The sooner you apply, the quicker you can lock in your advanced payment amount. CONTACT ME TODAY TO GET STARTED. Name: Call: **As an adult policy owner, your child or grandchild will have up to four opportunities to buy additional insurance through the Guaranteed Purchase Option (regardless of health or occupation) at ages 21, 25, 30, 35, 40, when he or she gets married or has a child. ***The original policy owner chooses the age that premiums will be paid to (the minimum is 5 years of premiums and the maximum is to age 121). If the payment covers premiums until the child is age 121, the child will not have to make premium payments. However, if the policy is not paid to age 121, the child will be responsible for future payments after the Pay to Age selected. Benefits, Exclusions and Limitations: A Buyer s Guide to Life Insurance and a Policy Summary are sent with all policies. You can get them without applying for insurance by writing to us. If the insured dies by suicide during the first two years from the Issue Date (one year in ND), the only amount payable will be the premiums paid for the policy, less any debt against the policy. In CA, CT, DE, DC, FL, NY, ND, SD and WA requirements vary somewhat. Before your policy is issued, and depending on your state s regulations, you will either receive additional information or a different application to sign and return. Benefit amounts are subject to Gerber Life insurance limits. [To approve your insurance and service your policy, we may collect or disclose information about you, as permitted by law, which may include certain disclosures made without your prior authorization. You have the right to access and correct personal information that we have about you. You may also receive a detailed notice on Gerber Life s Information Practices, upon request.] Policy Form: ICC12-GPP, Series GPP-12. For CA agent will call. Disclosure to Individuals Age 65 or Older: You should be aware that the sale or liquidation of any stock, bond, IRA, certificate of deposit, mutual fund, annuity or other asset to fund the purchase of this product may have tax consequences, early withdrawal penalties, or other costs or penalties as a result of the sale or liquidation. You or someone on your behalf may wish to consult independent legal, tax, or financial advice before selling or liquidating any assets and prior to the purchase of any life insurance or annuity products being solicited, offered for sale, or sold. AGT-GU200(1117) FAQs and Personalized Closing Single Quote FAQs and Personalized Closing Quote for Multiple Children

5 Gerber Life Advance Payment Grow-Up Plan 5 SAMPLE ADVANCE PAYMENT RATES 2 (UNISEX) Take a look at these sample rates below for the Advance Payment Grow-Up Plan. Rates will vary according to the number of Advance Payment years selected as well as the age of the insured, the coverage amount, and/or the total amount your client would like to spend. You can build a personalized rate quote through Gerber Life s Agent Portal (if you are appointed by Gerber Life and have a valid Agent ID). Age Advance Payment Years Coverage: 25,000 Coverage: 50, ,694 9, ,576 9, ,441 8, ,258 8,516 2 Sample rates shown are for healthy children. Other coverage amounts and rates are available. Benefit amounts are subject to Gerber Life Insurance Limits. You can also get quick quotes on the go anytime, anywhere by using Gerber Life s mobile app, Agent Zone. You can download Agent Zone by visiting your mobile phone or tablet app store today. ADVANCE PAYMENT GROW-UP PLAN PRODUCT REFERENCE TABLE Product Specifications Description Product Description Whole life insurance that provides a financial foundation for a child through a single advanced payment and a simplified underwriting process. State Availability All states Issue Ages Face Amount 14 days to 14 years (age last birthday) 10,000 minimum amount to 50,000 maximum initial amount at issue (combined total with Gerber Life Insurance). Face amount automatically doubles on first policy anniversary after insured s 18th birthday, with no additional premium required. If all guaranteed purchase options (GPOs) are executed and with the doubling of coverage during age 18, the maximum amount of life insurance coverage could become 500,000.

6 Gerber Life Advance Payment Grow-Up Plan 6 Product Specifications Description Guaranteed Purchase Options (GPOs) Available on standard class policies only and may be exercised up to a maximum of four times. No more than one GPO can be exercised within any 12-month period. Option dates occur on the policy anniversaries when the insured attains ages 21, 25, 30, 35, 40, and/or upon a life event such as marriage or the birth/ adoption of a child. The plan builds cash value over the life of the policy. Refer to the policy for the year-by-year cash value amounts. (See sample cash value growth chart below.) Advance Payment Grow-Up Plan Cash Value Growth Sample Cash Value Cash Value Parameters: Unisex Rates Age <1 50,000 Initial Face Amount Year 76=61,450 Year 121=100,000 Year 41=16,881 Policy Years Death Benefit Payment Mode Underwriting Paid as a lump sum that equals the full face amount less any outstanding loans and interest due. Convenient, single advanced payment where the policy owner can choose the age that premiums will be paid to (the minimum is 5 years of premiums and the maximum is to age age at maturity). 3 Standard and sub-standard classes available. No medical exam required. Payment Options Debit card, credit card, check, and one-time ACH. 4 Policy Period If the advance payment does not cover premiums until the child is age 121, one of the following options can be chosen to continue coverage once the initial premium has been exhausted: 1. Continue payment 2. Allow the policy to elapse to Extended Term Insurance 3. Request Reduced Paid Up Coverage 5 3 If the payment covers premiums until the child is age 121, the child will not have to make premium payments. However, if the policy is not paid to age 121, the child will be responsible for future payments after the Pay to Age selected. 4 For debit card and credit card, there is a 10,000 limit. For one-time ACH, there is a 25,000 limit. There is no limit on checks. 5 Refer to the policy for the amount of coverage available for a Reduced Paid Up policy or the agent can contact the Agent Call Center.

7 Gerber Life Advance Payment Grow-Up Plan 7 WHY CHOOSE GERBER LIFE INSURANCE? Gerber Life Insurance Company is a financially separate affiliate of the Gerber Products Company, and shares the name that has been synonymous with family caring for more than 50 years. We put families first with products that are fully guaranteed 6 and easy for your clients to understand and buy. Plus, with an A (Excellent) rating 7 from A.M. Best, you and your clients can have confidence in our name and in our coverage. Helping your clients make the right choices for their financial future that s a job fit for a hero. 6 The products offer guaranteed premiums (which are guaranteed not to increase for the life of the policy), guaranteed cash value, and guaranteed benefits. 7 In May 2017, A.M. Best, the impartial reporting firm that rates insurance companies on financial stability, management skill, and integrity, has awarded Gerber Life an A (Excellent) rating. This rating is the third highest awarded out of 13 possible categories. The rating refers only to the overall financial status of the Company and is not a recommendation of the specific policy provisions, rates, or practices of the Company. The Advance Payment Grow-Up Plan available in all states. In CA, CT, DE, DC, FL, NY, ND, SD, and WA, requirements vary somewhat. Additional information or a state-specific application is available. Coverage and benefits are subject to Gerber Life insurance limits. Policy Form: ICC12-GPP and Series GPP-12. Copyright 2018 Gerber Life Insurance Company, White Plains, NY A financially separate affiliate of the Gerber Products Company. All rights reserved. FOR AGENT USE ONLY. NOT TO BE USED WITH CONSUMERS. AGT-GU300 (0118)