Prepared For. Prepared On. Prepared By

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1 Prepared For Valued Client Prepared On November 16, 2018 Prepared By Stan The Annuity Man Guaranteed Lifetime Riders Sentinel Security Life Insurance Company Guaranteed Lifetime Withdrawal Rider Safe Plus 10: EGMWB Safe Plus Global Atlantic Financial Group Choice II Guaranteed Builder Choice II 7 with Guaranteed Builder

2 Overview General Information Valued Client, age 55 starts after 20 years at age 75 State: Florida Premium $ 100,000 For products that use market interest, no interest (0%) is used in the calculations Guaranteed Lifetime Riders Sentinel Security Life Insurance Company Guaranteed Lifetime Withdrawal Rider First year benefit: $17,480 Lifetime income value ( 95): $367,078 Safe Plus 10: EGMWB Safe Plus First year benefit: $17,447 Lifetime income value ( 95): $366,387 Global Atlantic Financial Group Choice II Guaranteed Builder Choice II 7 with Guaranteed Builder First year benefit: $17,250 Lifetime income value ( 95): $362,250 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 2 of 11

3 Payout By This report shows the value of waiting. Each year you wait the income you can receive will increase. The roll up rate will continue to grow and the payout rate will continue to increase for most riders. Florida Premium $ 100, starts after 20 years at age 75 No interest is used in calculations Sentinel Security Life Insurance Company Guaranteed Lifetime Withdrawal Rider With 7.00% Premium Bonus Rollup ,000 Payout Single LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,345 Safe Plus 10: EGMWB Safe Plus With 8.00% Premium Bonus Rollup 108,000 Payout Single , , , , , , , ,553 LifeTime Enhanced Payment , ,124 12, , ,834 13, , ,063 16, , ,053 18, , ,250 20, , ,352 22, , ,693 23, , ,042 24, , ,519 25, , ,131 26, , ,763 27, , ,163 28, , ,574 29, , ,996 29, , ,429 30, , ,447 34, , ,745 35, , ,044 36, , ,342 36, , ,641 37, , ,939 37, , ,238 38, , ,536 39, , ,835 39, , ,133 40, , ,432 40,863 Global Atlantic Financial Group Choice II Guaranteed Builder Choice II 7 with Guaranteed Builder Rollup Payout Single LifeTime Payment Enhanced 100, ,750 7, , ,235 8, , ,740 9, , ,265 10, , ,810 11, , ,375 12, , ,960 13, , ,565 15, , ,190 16, , ,835 17, , ,500 19, , ,185 20, , ,890 21, , ,615 23, , ,360 24, , ,125 26, , ,910 27, , ,715 29, , ,540 31, , ,385 32, , ,250 34, , ,550 35, , ,850 35, , ,150 36, , ,450 36, , ,750 37, , ,050 38, , ,350 38, , ,650 39, , ,950 39, , ,250 40,500 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 3 of 11

4 Ledger Comparison The Ledger Comparison shows the values for each rider selected and the cumulative payout value at 5 year intervals. Florida Premium $ 100, starts after 20 years at age 75 No interest is used in calculations Sentinel Security Life Insurance Company. Guaranteed Lifetime Withdrawal Rider With 7.00% Premium Bonus LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , ,076 17, ,596 17, ,116 17, ,636 17,480 5 Year Total 87, ,157 17, ,677 17, ,197 17, ,717 17, ,237 17, Year Total 174, ,757 17, ,277 17, ,797 17, Year Total 262, , Year Total 367,078. Safe Plus 10: EGMWB Safe Plus With 8.00% Premium Bonus LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , ,338 17, ,338 17, ,338 17, ,338 17,447 5 Year Total 87, ,338 17, ,338 17, ,338 17, ,338 17, ,338 17, Year Total 174, ,338 17, ,338 17, ,338 17, Year Total 261, ,338 17, Year Total 366,387 Global Atlantic Financial Group. Choice II Guaranteed Builder Choice II 7 with Guaranteed Builder LifeTime Payment , , , , , , , , , , , , , , , , , , , , , , ,000 17, ,000 17, ,000 17, ,000 17,250 5 Year Total 86, ,000 17, ,000 17, ,000 17, ,000 17, ,000 17, Year Total 172, ,000 17, ,000 17, ,000 17, Year Total 258, ,000 17, Year Total 362,250 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 4 of 11

5 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Florida Premium $ 100, starts after 20 years at age 75 No interest is used in calculations Guaranteed Lifetime Withdrawal Rider Sentinel Security Life Insurance Company Year Begin Year Interest Rider Fee End Year Guaranteed Lifetime Amount Total End Year w/out Rider , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,520 99, , , , ,596 98, , , , ,675 96, , , , ,759 94, , , , ,639 92, , , , ,771 89, , , , ,909 86, , , , ,055 83, , , , ,207 80, , , , ,368 76, , , , ,536 73, , , , ,713 69, , , , ,899 65, , , , ,094 61, , , , ,298 39, , ,480 17, , , ,036 18, ,076 17,480 34, , , , ,596 17,480 52, , ,116 17,480 69, , ,636 17,480 87, , ,157 17, , , ,677 17, , , ,197 17, , , ,717 17, , , ,237 17, , , ,757 17, , , ,277 17, , , ,797 17, , , ,317 17, , , ,837 17, , , ,357 17, , , ,877 17, , , , , , , , , , , , , , ,000 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 5 of 11

6 Rider Description Guaranteed Lifetime Withdrawal Rider Sentinel Security Life Insurance Company Option Rider The Guaranteed Lifetime Withdrawal Rider is only available if the annuitant is an owner, unless the owner is not a natural person. If the owner is not a natural person, the annuitant will be treated as the owner for the purposes of this rider. If the base policy has joint owners, the Guaranteed Lifetime Withdrawal Rider is only available if the joint owners are spouses. The Guaranteed Lifetime Withdrawal Rider is subject to a minimum issue age of 45 and benefits may begin anytime after the first policy year once the owner has attained the age of 55. Account Value The Account Value will be equal to the initial premium, plus any premium bonus, adjusted for withdrawals, plus interest credited to the Account Value at the Account interest rate, currently 6.00%. Any withdrawal taken under the base policy before Guaranteed Lifetime Withdrawal s begin reduces the Value by the amount of the Withdrawal (including any withdrawal charges, forfeiture of the non vested premium bonus amount and MVA) and reduces the Account Value in proportion to the decrease in the Value. The during the first Term period of 10 years will be equal to 6.00%. If income withdrawals have not started the owner may elect to renew the Guaranteed Lifetime Withdrawal Rider for another Term period, however the maximum term period will not exceed 20 or age 85. Guaranteed Lifetime Withdrawal s At anytime after the age of 55 and after the first policy year, the owner may elect to receive the Guaranteed Lifetime Withdrawal s. The annual GLWB is based on the Account Value at the you elect to being your GLWB. Your first GLWB is based on multiplying the GLWB payout factor by the Account Value to determine your payout amount. Once the GLWB payout factor is determined, it will not change for the duration of the rider. You may elect a single life payout or a joint life payout. Once the GLWB begins you cannot change this election. For a single life payout the GLWB payout factor is based on the age of the person on whose life the GLWB are based at the time of the first GLWB. For a joint life payout, the GLWB payout factor is based on the age of the younger of the persons on whose lives the GLWB are based at the time of the first GLWB. If there is one owner, you may elect a single premium payout based on the owner or a joint life payout based on the lives of the owner and the owners spouse who is the sole beneficiary, If there are joint owners you may elect a single life payout based on the life of either owner or a joint life payout based on the lives of the joint owners who are both listed as primary beneficiaries. You may choose to receive your annual GLWB in a lump sum or in equal monthly, quarterly or semi annual payments, GLWB payments are guaranteed for the remained of your life (or the lives of you and your spouse for a joint life payout), unless excess withdrawals occur. Stop and Restart You may stop and restart the GLWB by written request. If you chose to stop GLWB, you can not apply the amount not received to any future GLWB payments. The amount of the GLWB will be the same upon restarting, unless it is decreased due to an excess withdrawal or incresed because of a step-up. After you elect to receive your fist GLWB, the company will not apply withdrawal charges, forfeiture of the non vested premium bonus amount, or market value adjustment to withdrawals taken in any policy year in which the total amount of all withdrawals do not exceed the amount of the GLWB. Guaranteed Lifetime Withdrawal Step-Up The company will recalculate the amount of the GLWB at every policy anniversary after the first GLWB to equal the greater of the following: The Account Value, multiplied by the original GLWB factor, or The previous GLWB, adjusted for any excess withdrawals since the last policy anniversary. For each policy anniversary for as long as this rider is in force and the accumulation value is greater than zero, the company will deduct a charge from the accumulation value equal to: (a)income value on the policy anniversary, multiplied by (b)the cost of the benefit shown on the GLWB data page. This charge will also be deducted from any payment of any amounts payable at death (2)upon a full withdrawal from the base policy or (3) at the maturity if the entire accumulation value is applied to a settlement option. For a roll-up renewal the company may change the fee up to the maximum of 1.50%. The company will send you a notice 30 days prior to the anniversary at the end of the rollup term of any increase in the rider charge. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 6 of 11

7 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Florida Premium $ 100, starts after 20 years at age 75 No interest is used in calculations Safe Plus 10: EGMWB Safe Plus Year Begin Year Interest Rider Fee End Year Guaranteed Lifetime , , , , , , , , , , , , , , , , , , , , , , , ,750 99, , , ,881 97, , , ,022 95, , , ,174 93, , , ,337 90, , , ,384 88, , , ,432 85, , , ,480 83, , , ,530 80, , , ,580 78, , , ,632 75, , , ,685 73, , , ,738 70, , , ,793 67, ,017 Amount Total Enhanced Total , ,849 47, , ,447 17,447 34,894 34, , ,849 26, ,338 17,447 34,894 34,894 69, , ,849 6, ,338 17,447 52,341 17,447 87, , , ,338 17,447 69,788 17, , ,338 17,447 87,235 17, , ,338 17, ,682 17, , ,338 17, ,129 17, , ,338 17, ,576 17, , ,338 17, ,023 17, , ,338 17, ,470 17, , ,338 17, ,917 17, , ,338 17, ,364 17, , ,338 17, ,811 17, , ,338 17, ,258 17, , ,338 17, ,705 17, , ,338 17, ,152 17, , ,338 17, ,599 17, , ,338 17, ,046 17, , ,338 17, ,493 17, , ,338 17, ,940 17, , ,338 17, ,387 17, ,281 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 7 of 11

8 Rider Description Safe Plus 10: EGMWB Safe Plus Optional Enhanced Guaranteed Minimum Withdrawal Rider Flexible, guaranteed lifetime income withdrawals allow you to maintain control of your financial assets while helping you to avoid outliving your money. Lifetime income withdrawals are available using the Enhanced Guaranteed Minimum Withdrawal (EGMWB) rider. This EGMWB rider is innovatively designed to provide you with level, guaranteed income payments for life. This rider allows you the opportunity to maintain control over your annuity and financial resources, giving you the freedom to withdraw more or less or all of your surrender value. Withdrawing more than the guaranteed withdrawal payment will reduce your guaranteed payment, perhaps even eliminate it, therefore you should carefully consider whether you need or want to do this. Protection against Impairment EGMWB includes a valuable feature that guarantees a higher guaranteed income stream while impaired and the account value is more than zero. If you are a single annuitant, the guaranteed withdrawal payment will be 2.0 times the standard guaranteed withdrawal payment. If you are joint annuitants, the guaranteed withdrawal payment will be 1.5 times the standard guaranteed withdrawal payment. Enhanced may not be available in all states. In order to receive the enhanced guaranteed withdrawal payments you must be certified by a physician as impaired and expected to be permanently unable to perform at least two out of six activities of daily living (ADLs). ADLs include eating, bathing, dressing, transferring, toileting, and continence. Care for the related impairment must be received by a licensed caregiver and cannot be an immediate member of your family. To qualify for this benefit all of the following conditions must apply: The contract must be in force for a minimum of three years with no premiums paid for at least three years. (This benefit will not be available until the completion of three contract years.) The impairment begins at least 1 year after the contract s date of issue. The annuitant is age 60 or older, The annuitant must be a U.S. resident on the approval date and; Must meet ADL guidelines listed above. Check state availability If impairment conditions cease or if the account value has been reduced to $0 (assuming no excess withdrawals), the owner can continue GMWB payments at the original level of 100%. Period During the accumulation period the is the value used to determine the guaranteed withdrawal payment. It is a value that is tracked separately from your account value and is not cash, but a means to determine the guaranteed withdrawal payment. The is the greater of: Initial premium, plus income base bonus or Premiums paid plus vesting bonus in the first year accruing for up to 10 years or age 85 or when withdrawals begin at the current EGMWB annual roll up rate. There is a 1.05% of annual charge for the EGMWB rider. During the accumulation period, any withdrawals will cause the income base to be reduced in proportion to the reduction in the account value. During the accumulation period the can grow as defined above, adjusted proportionately for any withdrawals you may take prior to beginning the guaranteed withdrawal payments. If the income base grows, your guaranteed withdrawal payment will also grow. During the accumulation period, you may elect to restart a new 10-year roll-up period. Restarting a new 10-year period extends the accumulation period and continues the growth of the income base at the annual roll-up rate. reserves the right to change the EGMWB roll-up rate upon restart.the roll-up rate is not to be less than the guaranteed rate of 2.00%. Restart is not available in all states. Withdrawal Period You may begin taking payments through a series of withdrawals annually, semiannually, quarterly or monthly at ANY time after the first contract year, and after having reached age 50. These withdrawal payments can be stopped and started at any time. You may take up to the guaranteed withdrawal payment amount, which is the maximum amount that can be withdrawn each contract year without negatively affecting your. This is the amount guaranteed to be paid for your lifetime, even if your annuity s account value falls to zero (provided no excess withdrawals are taken). The amount of the guaranteed withdrawal payment is a percentage of the, an amount tracked separately from the account value. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 8 of 11

9 Rider Description Safe Plus 10: EGMWB Safe Plus Maximum Annual Withdrawal Pecentage: Single Joint % 2.20% % 2.25% % 2.35% % 2.45% % 2.55% % 2.65% % 2.80% % 2.95% % 3.05% Single Joint % 3.15% % 3.25% % 3.40% % 3.80% % 4.00% % 4.25% % 4.40% % 4.45% % 4.50% Single Joint % 4.60% % 4.75% % 4.90% % 4.95% % 5.00% % 5.05% % 5.10% % 5.73% % 5.84% Single Joint % 5.95% % 6.06% % 6.17% % 6.28% % 6.39% % 6.50% % 6.61% % 6.72% % 6.83% Single Joint % 6.94% % 7.05% % 7.16% % 7.27% % 7.38% Your guaranteed withdrawal payment amount is calculated by multiplying your by your guaranteed withdrawal percentage and is based on your age at the time you elect to receive income payments. Spousal under this rider can be based on the lives of two people as long as they are joint annuitants and legal spouses. In the case of joint annuitants, the guaranteed withdrawal percentage is determined by the age of the younger of the two annuitants at the time guaranteed withdrawal payments are elected. The guaranteed withdrawal payment is guaranteed to be paid until the death of the second annuitant. Spousal Continuation If the rider is in the accumulation period on the date of the first owner s death, this rider will continue if your spouse continues the contract. The guaranteed withdrawal percentage will be based on your spouse s age, single life, at the time income payments begin. If the rider is in the withdrawal period and the spouse was a joint annuitant under the contract, guaranteed withdrawal payments will continue based on the same annuitant s as it was at the time of owner s death. Contract Maturity At contract maturity (age 100), should you elect a life only payment option of income, then the annuity payment amount is the greater of the annuity payment amount provided under the base contract for that payout option and the guaranteed withdrawal payment. Should you choose another payment option available under the contract, the annuity payment amount will be based on the annuity payment amount provided under the base contract. Excess Withdrawal An excess withdrawal is a withdrawal that causes the total withdrawals for the contract year to exceed the guaranteed withdrawal payment amount. The income base will be reduced in proportion to the reduction in the account value.the guaranteed withdrawal payment amount will be recalculated following an excess withdrawal. Depending on the amount of the withdrawal, surrender charges and other penalties may apply. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 9 of 11

10 Annual Ledger The Annual Ledger shows the detail annual calculation revealing how the rider works reflecting all roll up rates, payout rates and fees. Choice II Guaranteed Builder Florida Premium $ 100, starts after 20 years at age 75 No interest is used in calculations Global Atlantic Financial Group Choice II 7 with Guaranteed Builder Year Begin Year Interest Rider Fee End Year Guaranteed Lifetime Amount Total Enhanced Total End Year w/out Rider , , , , ,155 98, , , , ,260 97, , , , ,365 96, , , , ,470 94, , , , ,575 93, , , , ,680 91, , , , ,785 89, , , , ,890 87, , , , ,995 85, , , , ,100 83, , , , ,205 81, , , , ,310 79, , , , ,415 76, , , , ,520 74, , , , ,625 71, , , , ,730 68, , , , ,835 66, , , , ,940 63, , , , ,045 60, , , , ,150 39, , ,250 17,250 34,500 34, , , ,150 19, ,000 17,250 34,500 34,500 69, , , , ,000 17,250 51,750 17,250 86, , ,000 17,250 69,000 17, , , ,000 17,250 86,250 17, , , ,000 17, ,500 17, , , ,000 17, ,750 17, , , ,000 17, ,000 17, , , ,000 17, ,250 17, , , ,000 17, ,500 17, , , ,000 17, ,750 17, , , ,000 17, ,000 17, , , ,000 17, ,250 17, , , ,000 17, ,500 17, , , ,000 17, ,750 17, , , ,000 17, ,000 17, , , ,000 17, ,250 17, , , ,000 17, ,500 17, , , ,000 17, ,750 17, , , ,000 17, ,000 17, , , ,000 17, ,250 17, , ,000 created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 10 of 11

11 Rider Description Choice II Guaranteed Builder Global Atlantic Financial Group Choice II 7 with Guaranteed Builder Guaranteed Lifetime Withdrawal Deferral Bonus The Deferral Bonus is equal to a percentage of premium payments that We may add to Your Withdrawal on each Contract Anniversary prior to activation of Lifetime Annual Payments. Deferral Bonuses will begin on the contract anniversary following the youngest owner s (or annuitant s if non-naturally owned) attained age 50. The Deferral Bonus will be reduced to $0 for any year in which withdrawals are taken prior to income activation. Guaranteed Lifetime Withdrawal The Guaranteed Lifetime Withdrawal provides a Lifetime Annual Payment derived from a Withdrawal. An annual charge calculated as a percentage of the Withdrawal is deducted from the contract value at the end of each contract year. Enhancement The Enhancement is included at no cost. Subject to a 1 year Waiting Period, in the event the Covered Life fails to meet 2 of 6 Activities of Daily Living (ADL) for a minimum of 90 consecutive days prior to the request to accelerate payments, Lifetime Annual Payments will be doubled until the earlier of the 5th Contract Anniversary from activation or Contract Value falling below the greater of the Minimum Contract Value or the Accelerated Annual Payment. Lifetime Annual Payment The maximum guaranteed amount that can be withdrawn each year, starting at the beginning of the following contract year under the Guaranteed Lifetime Withdrawal, assuming income is elected at the earlier of 1) the beginning of the following contract year, and 2) the contract year specified for income activation. For illustrative purposes, the Lifetime Annual Payment is based upon the oldest Owner (or Annuitant in the case of non-natural ownership) when the Single Life income option is elected. Withdrawal The amount used to determine the Lifetime Annual Payment amount and rider charge under the Guaranteed Lifetime Withdrawal. The Withdrawal is not the same as the contract value, has no cash value and is not a value available for withdrawal or surrender or as a death benefit. created by AnnuityWatch.com, Inc. and is based on our understanding of the product at the time and is Page 11 of 11