Legacy Multiplier. Reduce your taxable investment income and increase the value of your estate. 1. Objective

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1 Reduce your taxable investment income and increase the value of your estate. Contents 1. Objective The is designed to help individuals reduce their current taxable investment income and significantly increase the legacy they leave for the people and charities they care about most. 1. Objective 2. Clientele 3. Strategy 2. Clientele The is ideally suited for individuals who currently have savings and investments above that necessary to fund their retirement. It is a valuable asset in your portfolio mix which offers: A large, immediate estate value A tax-sheltered growth of cash values A tax-free maturity value at death Reduced estate settlement costs if a beneficiary other than the estate is named May offer creditor protection if an appropriate beneficiary designation has been made. 3. Strategy The strategy takes investment assets that are currently producing taxable income (ultimately reducing what is available to your heir) and repositions them into a tax exempt, permanent life insurance policy. The policy combines an immediate tax-free estate benefit with a tax sheltered investment account which, as it grows, substantially multiplies the tax-free legacy for the important people and/or charities in your life.

2 Summary Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Total s at Life Expectancy $450,000 $450,000 Estate at Life Expectancy $1,833,958 $710,123 Internal Rate of Return at Life Expectancy 5.31% 1.88% to Life Expectancy 1,400,000 1,200,000 1,000,000 Estate 800, , , , Page 1 of 1

3 Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Cash , ,066 10, , , ,991 10, , , ,649 10, , ,000 1, ,631 10,000 1, , ,000 2, ,866 10,000 1, , ,000 4, ,405 10,000 1, , ,000 6, ,219 10,000 2, , ,000 8, ,329 10,000 2, , ,000 11, ,720 10,000 2,912 1,092 98, ,000 15, ,299 10,000 3,266 1, , ,000 19, ,133 10,000 3,627 1, , ,000 26, ,298 10,000 3,995 1, , ,000 35, ,409 10,000 4,370 1, , ,000 46, ,005 10,000 4,752 1, , ,000 61, ,673 10,000 5,141 1, , ,000 76, ,581 10,000 5,538 2, , ,000 92, ,620 10,000 5,942 2, , , , ,870 10,000 6,353 2, , , , ,366 10,000 6,772 2, , , , ,054 10,000 7,199 2, , , , ,061 10,000 7,634 2, , , , ,295 10,000 8,077 3, , , , ,845 10,000 8,529 3, , , , ,712 10,000 8,989 3, , , , ,958 10,000 9,457 3, , , ,036 1,007,601 10,000 9,935 3, , , ,611 1,045,699 10,000 10,421 3, , , ,600 1,084,297 10,000 10,916 4, , , ,655 1,123,301 10,000 11,421 4, , , ,499 1,162,763 10,000 11,935 4, , , ,554 1,202,676 10,000 12,459 4, , , ,168 1,243,055 10,000 12,992 4, , , ,591 1,284,012 10,000 13,536 5, , , ,473 1,325,516 10,000 14,090 5, , , ,186 1,367,677 10,000 14,654 5, , , ,615 1,410,516 10,000 15,229 5, , , ,829 1,454,088 10,000 15,814 5, , , ,859 1,498,392 10,000 16,411 6, ,283 Page 1 of 3

4 Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Cash , ,783 1,543,491 10,000 17,018 6, , , ,550 1,589,469 10,000 17,638 6, , , ,271 1,636,349 10,000 18,268 6, , , ,812 1,684,225 10,000 18,911 7, , , ,622 1,733,059 10,000 19,565 7, , ,000 1,045,274 1,782,940 10,000 20,232 7, , ,000 1,101,731 1,833,958 10,000 20,912 7, , ,000 1,161,716 1,886,044 10,000 21,604 8, , ,000 1,222,514 1,939,303 10,000 22,309 8, , ,000 1,284,077 1,993,817 10,000 23,027 8, , ,000 1,349,433 2,049,506 10,000 23,759 8, , ,000 1,415,512 2,106,433 10,000 24,504 9, , ,000 1,483,911 2,164,597 10,000 25,264 9, , ,000 1,552,930 2,224,051 10,000 26,037 9, , ,000 1,626,006 2,284,668 10,000 26,826 10, , ,000 1,701,330 2,346,308 10,000 27,629 10, , ,000 1,780,696 2,408,744 10,000 28,447 10, , ,000 1,863,995 2,471,620 10,000 29,280 10, , ,000 1,952,582 2,536,169 10,000 30,129 11,298 1,023, ,000 2,047,566 2,601,004 10,000 30,994 11,623 1,052, ,000 2,153,860 2,663,890 10,000 31,875 11,953 1,082, ,000 2,279,905 2,721,029 10,000 32,773 12,290 1,112, ,000 2,334,399 2,775,523 10,000 33,687 12,633 1,143, ,000 2,389,712 2,830,836 10,000 34,619 12,982 1,175, ,000 2,445,857 2,886,981 10,000 35,568 13,338 1,207, ,000 2,502,845 2,943,969 10,000 36,535 13,701 1,240, ,000 2,560,689 3,001,813 10,000 37,520 14,070 1,274, ,223 14,334 1,298, ,940 14,603 1,322, ,670 14,876 1,347, ,414 15,155 1,372, ,172 15,439 1,398, ,944 15,729 1,424, ,730 16,024 1,451, ,531 16,324 1,478, ,348 16,630 1,505, ,179 16,942 1,534, ,026 17,260 1,562, ,889 17,583 1,592,281 Page 2 of 3

5 Male 40, Non-Smoker First : $10,000 Before Tax Alternative Investment Rate: 3.00% Cash ,768 17,913 1,622, ,664 18,249 1,652, ,577 18,591 1,683,536 Page 3 of 3