Simplified Issue Whole Life Guaranteed Issue Whole Life AGENT GUIDE

Simplified Whole Life Guaranteed Whole Life AGENT GUIDE www.unitedhomelife.com 800-428-3001

Whole Life Portfolio Five Products for ages 0 to 80 1. Simple yes/no applications. Affordable, guaranteed 2 coverage. Level guaranteed premiums; guaranteed cash values. Know Before You Go point-of-sale telephone interviews. No routine medical exams, bodily fluids testing 3, or physician s statements. Initial premium can be drafted. Initial 1st-year commission paid daily if on EFT. Application can be taken over the phone. Inside: GIWL Rates...2 EIWL Rates...4 El Deluxe Rates... 6 El Premier Rates...8 Provider WL Standard Rates...10 Provider WL Preferred Rates...12 Provider WL Juvenile Rates...13 Riders...14 Rider Rates...15 Premium Calculations...16 Simplified Underwriting..17 App Submission Tips...18 Preferred UW Criteria...19 Target Markets: Middle Market. 50+ Market. Final Expense. Family Protection Needs. Juvenile Market. Clients who prefer simplified issue to full underwriting. Clients who have previously been declined or labeled uninsurable. Clients who are overweight or who have significant health issues. 1 Product and rider/benefit availability, and issue ages may vary by state. ages vary by product. 2 See policy for details. Exclusions and limitations may apply. 3 Excluding applicants written in Wisconsin. For agent use only. Not for use with the general public. 2

Guaranteed Whole Life Graded Benefit Endowment Insurance Ages: 45 75 (age nearest) Face Amounts: $5,000 10,000 Rate Classes: Non-Tobacco/Tobacco Policy Fee: $50 (commissionable) Modal Factors: Semi-annual:.530 Quarterly:.270 Monthly PAC:.093 Direct Monthly Bill:.099 No health questions, medical exams, physical exams, or Personal History Interviews (PHIs). Graded Death Benefit During First Three Policy Years: Year 1: benefit payable equals refund of premium plus 6% interest. Year 2: benefit payable equals refund of premium plus 12% interest. Year 3: benefit payable equals refund of premium plus 18% interest. Full death benefit payable if death occurs due to accidental causes in the first three policy years. Male Non-Tobacco Age $1,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 45 62.03 33.49 39.26 45.03 50.80 56.57 62.34 46 63.82 34.33 40.26 46.19 52.13 58.07 64.00 47 65.68 35.19 41.30 47.41 53.52 59.63 65.73 48 67.59 36.08 42.36 48.65 54.94 61.23 67.51 49 69.55 36.99 43.46 49.93 56.40 62.87 69.33 50 71.59 37.94 44.60 51.25 57.91 64.57 71.23 51 73.69 38.92 45.77 52.62 59.48 66.33 73.18 52 75.84 39.92 46.97 54.02 61.07 68.13 75.18 53 78.07 40.95 48.21 55.47 62.73 70.00 77.26 54 80.37 42.02 49.49 56.97 64.45 71.92 79.39 55 83.20 43.34 51.07 58.81 66.55 74.29 82.03 56 86.28 44.77 52.79 60.82 68.84 76.87 84.89 57 89.50 46.27 54.59 62.91 71.24 79.57 87.89 58 92.86 47.83 56.46 65.10 73.74 82.38 91.01 59 96.38 49.47 58.43 67.39 76.36 85.32 94.28 60 100.08 51.19 60.49 69.80 79.11 88.42 97.72 61 103.96 52.99 62.66 72.33 82.00 91.67 101.33 62 108.02 54.88 64.92 74.97 85.02 95.07 105.11 63 112.30 56.87 67.31 77.76 88.20 98.65 109.09 64 116.77 58.95 69.81 80.67 91.53 102.39 113.25 65 121.46 61.13 72.42 83.72 95.02 106.32 117.61 66 127.62 63.99 75.86 87.73 99.60 111.47 123.34 67 133.40 66.68 79.09 91.49 103.90 116.31 128.71 68 139.55 69.54 82.52 95.50 108.48 121.46 134.43 69 146.10 72.59 86.17 99.76 113.35 126.94 140.52 70 153.05 75.82 90.05 104.28 118.52 132.76 146.99 71 160.43 79.25 94.17 109.09 124.01 138.93 153.85 72 168.23 82.88 98.52 114.17 129.81 145.46 161.10 73 176.42 86.69 103.09 119.50 135.91 152.32 168.72 74 185.01 90.68 107.88 125.09 142.30 159.51 176.71 75 194.00 94.86 112.90 130.94 148.99 167.03 185.07 Female Non-Tobacco Age $1,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 45 56.69 31.01 36.28 41.55 46.83 52.10 57.37 46 58.17 31.70 37.11 42.52 47.93 53.34 58.75 47 59.69 32.41 37.96 43.51 49.06 54.61 60.16 48 61.25 33.13 38.83 44.52 50.22 55.92 61.61 49 62.86 33.88 39.72 45.57 51.42 57.27 63.11 50 64.50 34.64 40.64 46.64 52.64 58.64 64.64 51 66.19 35.43 41.58 47.74 53.90 60.05 66.21 52 67.92 36.23 42.55 48.86 55.18 61.50 67.82 53 69.70 37.06 43.54 50.02 56.51 62.99 69.47 54 71.53 37.91 44.56 51.21 57.87 64.52 71.17 55 73.77 38.95 45.81 52.67 59.53 66.40 73.26 56 76.21 40.09 47.17 54.26 61.35 68.44 75.53 57 78.74 41.26 48.59 55.91 63.23 70.56 77.88 58 81.39 42.50 50.06 57.63 65.20 72.78 80.34 59 84.13 43.77 51.59 59.42 67.24 75.07 82.89 60 87.01 45.11 53.20 61.29 69.39 77.48 85.57 61 90.02 46.51 54.88 63.25 71.62 80.00 88.37 62 93.14 47.96 56.62 65.28 73.95 82.61 91.27 63 96.40 49.48 58.44 67.40 76.37 85.34 94.30 64 100.30 51.29 60.62 69.94 79.27 88.60 97.93 65 103.36 52.71 62.32 71.94 81.55 91.17 100.77 66 107.71 54.74 64.75 74.77 84.79 94.81 104.82 67 111.72 56.60 66.99 77.38 87.77 98.16 108.55 68 115.95 58.57 69.35 80.13 90.92 101.70 112.48 69 120.42 60.65 71.84 83.04 94.24 105.45 116.64 70 125.15 62.84 74.48 86.12 97.76 109.40 121.04 71 130.14 65.17 77.27 89.37 101.47 113.58 125.68 72 135.36 67.59 80.18 92.77 105.36 117.95 130.53 73 140.82 70.13 83.23 96.32 109.42 122.52 135.61 74 146.50 72.77 86.40 100.02 113.65 127.27 140.90 75 152.42 75.53 89.70 103.87 118.05 132.23 146.40 2

Guaranteed Whole Life Graded Benefit Endowment Insurance Commission Chargeback Policy: 100% chargeback if insured dies during policy year 1. 50% chargeback if insured dies during policy year 2. No chargeback if insured s death is due to accidental causes. Agent Guidelines: The Proposed Insured must be present when applying for a Guaranteed WL policy. In addition, the Agent must affirm that the Proposed Insured: is not confined to a hospital, hospice, nursing home or convalescent home. does not require home health nursing care. does not have AIDS or is not HIV positive. has not been diagnosed with an illness expected to cause death within 24 months. is not engaging in intravenous drug abuse. Male Tobacco Age $1,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 45 70.04 37.22 43.73 50.24 56.76 63.28 69.79 46 72.54 38.38 45.13 51.87 58.62 65.37 72.11 47 75.15 39.59 46.58 53.57 60.56 67.55 74.54 48 77.87 40.86 48.10 55.34 62.59 69.83 77.07 49 80.71 42.18 49.68 57.19 64.70 72.21 79.71 50 83.65 43.55 51.32 59.10 66.89 74.67 82.44 51 86.72 44.97 53.04 61.10 69.17 77.24 85.30 52 89.90 46.45 54.81 63.17 71.54 79.90 88.26 53 93.22 48.00 56.66 65.33 74.01 82.68 91.34 54 96.67 49.60 58.59 67.58 76.57 85.57 94.55 55 100.91 51.57 60.96 70.34 79.73 89.12 98.50 56 105.50 53.71 63.52 73.33 83.14 92.96 102.77 57 110.33 55.95 66.21 76.47 86.74 97.00 107.26 58 115.45 58.33 69.07 79.81 90.54 101.29 112.02 59 120.85 60.85 72.08 83.32 94.56 105.81 117.04 60 126.58 63.51 75.28 87.05 98.83 110.60 122.37 61 132.66 66.34 78.67 91.01 103.35 115.69 128.02 62 139.07 69.32 82.25 95.18 108.12 121.06 133.99 63 145.88 72.48 86.05 99.62 113.18 126.76 140.32 64 153.07 75.83 90.06 104.30 118.53 132.77 147.01 65 160.70 79.38 94.32 109.26 124.21 139.16 154.10 66 169.59 83.51 99.28 115.05 130.82 146.60 162.37 67 177.90 87.37 103.92 120.46 137.01 153.56 170.10 68 186.78 91.50 108.87 126.24 143.61 160.99 178.36 69 196.24 95.90 114.15 132.40 150.65 168.91 187.15 70 206.33 100.59 119.78 138.97 158.16 177.35 196.54 71 217.04 105.57 125.76 145.94 166.13 186.32 206.50 72 228.39 110.85 132.09 153.33 174.57 195.82 217.05 73 240.33 116.40 138.75 161.10 183.46 205.81 228.16 74 252.87 122.23 145.75 169.27 192.79 216.31 239.82 75 266.02 128.35 153.09 177.83 202.57 227.31 252.05 Female Tobacco Age $1,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 45 63.36 34.11 40.00 45.90 51.79 57.69 63.57 46 65.42 35.07 41.15 47.24 53.32 59.41 65.49 47 67.53 36.05 42.33 48.61 54.89 61.18 67.45 48 69.72 37.07 43.55 50.04 56.52 63.01 69.49 49 71.99 38.13 44.82 51.51 58.21 64.91 71.60 50 74.34 39.22 46.13 53.04 59.96 66.88 73.79 51 76.78 40.35 47.49 54.63 61.77 68.92 76.06 52 79.30 41.52 48.90 56.27 63.65 71.03 78.40 53 81.92 42.74 50.36 57.98 65.60 73.22 80.84 54 84.62 44.00 51.87 59.74 67.61 75.48 83.35 55 87.93 45.54 53.71 61.89 70.07 78.25 86.42 56 91.52 47.21 55.72 64.23 72.74 81.26 89.76 57 95.28 48.96 57.81 66.68 75.54 84.40 93.26 58 99.25 50.80 60.03 69.26 78.49 87.73 96.95 59 103.41 52.74 62.35 71.97 81.59 91.21 100.82 60 107.80 54.78 64.80 74.83 84.85 94.88 104.90 61 112.43 56.93 67.38 77.84 88.30 98.76 109.21 62 117.30 59.19 70.10 81.01 91.92 102.83 113.74 63 122.44 61.58 72.97 84.36 95.75 107.14 118.52 64 128.57 64.44 76.39 88.35 100.31 112.27 124.22 65 133.53 66.74 79.16 91.58 104.00 116.42 128.83 66 139.72 69.62 82.61 95.61 108.60 121.60 134.59 67 145.37 72.25 85.76 99.28 112.81 126.33 139.84 68 151.37 75.04 89.11 103.19 117.27 131.35 145.42 69 157.74 78.00 92.67 107.34 122.01 136.68 151.35 70 164.48 81.13 96.43 111.72 127.02 142.32 157.62 71 171.60 84.44 100.40 116.36 132.32 148.28 164.24 72 179.09 87.93 104.58 121.24 137.89 154.55 171.20 73 186.94 91.58 108.96 126.35 143.73 161.12 178.50 74 195.10 95.37 113.51 131.66 149.80 167.95 186.09 75 203.61 99.33 118.26 137.20 156.14 175.08 194.01 3

Express Whole Life Simplified Graded Benefit Ages: 25 80 (age nearest) Face Amounts: $2,000 25,000 Rate Classes: Non-Tobacco/Tobacco Built-in Rating: 16 Tables Policy Fee: $50 (commissionable) Modal Factors: Semi-annual:.530 Quarterly:.270 Monthly PAC:.093 Direct Monthly Bill:.099 Graded Death Benefit During First Two Policy Years: Year 1: benefit payable equals refund of premium plus 12% interest. 4 Year 2: benefit payable equals refund of premium plus 24% interest. 4 Full death benefit payable if death occurs due to accidental causes in the first two policy years. Male Non-Tobacco Age $1,000 $5,000 $10,000 $15,000 $20,000 $25,000 25 32.03 19.54 34.44 49.33 64.23 79.12 26 32.03 19.54 34.44 49.33 64.23 79.12 27 32.03 19.54 34.44 49.33 64.23 79.12 28 32.03 19.54 34.44 49.33 64.23 79.12 29 32.03 19.54 34.44 49.33 64.23 79.12 30 32.03 19.54 34.44 49.33 64.23 79.12 31 32.03 19.54 34.44 49.33 64.23 79.12 32 32.03 19.54 34.44 49.33 64.23 79.12 33 32.03 19.54 34.44 49.33 64.23 79.12 34 32.03 19.54 34.44 49.33 64.23 79.12 35 32.03 19.54 34.44 49.33 64.23 79.12 36 32.03 19.54 34.44 49.33 64.23 79.12 37 32.03 19.54 34.44 49.33 64.23 79.12 38 32.03 19.54 34.44 49.33 64.23 79.12 39 32.03 19.54 34.44 49.33 64.23 79.12 40 32.03 19.54 34.44 49.33 64.23 79.12 41 32.03 19.54 34.44 49.33 64.23 79.12 42 32.03 19.54 34.44 49.33 64.23 79.12 43 32.03 19.54 34.44 49.33 64.23 79.12 44 32.03 19.54 34.44 49.33 64.23 79.12 45 32.03 19.54 34.44 49.33 64.23 79.12 46 33.22 20.10 35.54 50.99 66.44 81.89 47 34.48 20.68 36.72 52.75 68.78 84.82 48 35.79 21.29 37.93 54.58 71.22 87.86 49 37.15 21.92 39.20 56.47 73.75 91.02 50 38.59 22.59 40.54 58.48 76.43 94.37 51 40.09 23.29 41.93 60.58 79.22 97.86 52 41.64 24.01 43.38 62.74 82.10 101.46 53 43.27 24.77 44.89 65.01 85.13 105.25 54 44.97 25.56 46.47 67.38 88.29 109.21 55 47.20 26.60 48.55 70.49 92.44 114.39 56 49.58 27.70 50.76 73.81 96.87 119.92 57 52.10 28.88 53.10 77.33 101.56 125.78 58 54.76 30.11 55.58 81.04 106.50 131.97 59 57.58 31.42 58.20 84.97 111.75 138.52 60 60.58 32.82 60.99 89.16 117.33 145.50 61 63.76 34.30 63.95 93.60 123.24 152.89 62 67.12 35.86 67.07 98.28 129.49 160.70 63 70.70 37.53 70.40 103.28 136.15 169.03 64 74.47 39.28 73.91 108.54 143.16 177.79 65 78.46 41.13 77.62 114.10 150.59 187.07 66 83.92 43.67 82.70 121.72 160.74 199.76 67 89.00 46.04 87.42 128.81 170.19 211.58 68 94.45 48.57 92.49 136.41 180.33 224.25 69 100.30 51.29 97.93 144.57 191.21 237.85 70 106.55 54.20 103.74 153.29 202.83 252.38 71 113.23 57.30 109.95 162.61 215.26 267.91 72 120.33 60.60 116.56 172.51 228.46 284.42 73 127.82 64.09 123.52 182.96 242.40 301.83 74 135.71 67.76 130.86 193.97 257.07 320.18 75 144.00 71.61 138.57 205.53 272.49 339.45 76 151.62 75.15 145.66 216.16 286.66 357.17 77 159.69 78.91 153.16 227.42 301.67 375.93 78 168.30 82.91 161.17 239.43 317.69 395.95 79 177.55 87.21 169.77 252.33 334.89 417.45 80 187.50 91.84 179.03 266.21 353.40 440.59 Female Non-Tobacco Age $1,000 $5,000 $10,000 $15,000 $20,000 $25,000 25 26.69 17.06 29.47 41.88 54.29 66.70 26 26.69 17.06 29.47 41.88 54.29 66.70 27 26.69 17.06 29.47 41.88 54.29 66.70 28 26.69 17.06 29.47 41.88 54.29 66.70 29 26.69 17.06 29.47 41.88 54.29 66.70 30 26.69 17.06 29.47 41.88 54.29 66.70 31 26.69 17.06 29.47 41.88 54.29 66.70 32 26.69 17.06 29.47 41.88 54.29 66.70 33 26.69 17.06 29.47 41.88 54.29 66.70 34 26.69 17.06 29.47 41.88 54.29 66.70 35 26.69 17.06 29.47 41.88 54.29 66.70 36 26.69 17.06 29.47 41.88 54.29 66.70 37 26.69 17.06 29.47 41.88 54.29 66.70 38 26.69 17.06 29.47 41.88 54.29 66.70 39 26.69 17.06 29.47 41.88 54.29 66.70 40 26.69 17.06 29.47 41.88 54.29 66.70 41 26.69 17.06 29.47 41.88 54.29 66.70 42 26.69 17.06 29.47 41.88 54.29 66.70 43 26.69 17.06 29.47 41.88 54.29 66.70 44 26.69 17.06 29.47 41.88 54.29 66.70 45 26.69 17.06 29.47 41.88 54.29 66.70 46 27.57 17.47 30.29 43.11 55.93 68.75 47 28.49 17.90 31.15 44.39 57.64 70.89 48 29.45 18.34 32.04 45.73 59.43 73.12 49 30.46 18.81 32.98 47.14 61.31 75.47 50 31.50 19.30 33.95 48.59 63.24 77.89 51 32.59 19.80 34.96 50.11 65.27 80.42 52 33.72 20.33 36.01 51.69 67.37 83.05 53 34.90 20.88 37.11 53.34 69.56 85.79 54 36.13 21.45 38.25 55.05 71.85 88.65 55 37.77 22.21 39.78 57.34 74.90 92.47 56 39.51 23.02 41.39 59.77 78.14 96.51 57 41.34 23.87 43.10 62.32 81.54 100.77 58 43.29 24.78 44.91 65.04 85.17 105.30 59 45.33 25.73 46.81 67.89 88.96 110.04 60 47.51 26.74 48.83 70.93 93.02 115.11 61 49.82 27.82 50.98 74.15 97.32 120.48 62 52.24 28.94 53.23 77.52 101.82 126.11 63 54.80 30.13 55.61 81.10 106.58 132.06 64 58.00 31.62 58.59 85.56 112.53 139.50 65 60.36 32.72 60.78 88.85 116.92 144.99 66 64.01 34.41 64.18 93.94 123.71 153.47 67 67.32 35.95 67.26 98.56 129.87 161.17 68 70.85 37.60 70.54 103.49 136.43 169.38 69 74.62 39.35 74.05 108.74 143.44 178.14 70 78.65 41.22 77.79 114.37 150.94 187.51 71 82.94 43.22 81.78 120.35 158.92 197.49 72 87.46 45.32 85.99 126.66 167.33 207.99 73 92.22 47.53 90.41 133.30 176.18 219.06 74 97.20 49.85 95.05 140.24 185.44 230.64 75 102.42 52.28 99.90 147.53 195.15 242.78 76 109.16 55.41 106.17 156.93 207.69 258.45 77 116.39 58.77 112.89 167.01 221.14 275.26 78 124.17 62.39 120.13 177.87 235.61 293.35 79 132.57 66.30 127.94 189.59 251.23 312.88 80 141.67 70.53 136.40 202.28 268.16 334.03 4 In AR, KS, NV and PA: death benefit is 30% of death benefit in policy year 1; 60% of death benefit in policy year 2. 4

Express Whole Life Simplified Graded Benefit Previously declined applicants will be considered. Significant health issues and overweight clients considered. One-year look-back for Cancer, Heart Attack/surgery, Stroke, and drug abuse. For Face Amounts of $10,000 or more, no-cost built-in riders: * Identity Theft Waiver of Premium Rider Hospital Stay Waiver of Premium Rider Common Carrier Accidental Death Benefit Rider Male Tobacco Age $1,000 $5,000 $10,000 $15,000 $20,000 $25,000 25 40.04 23.27 41.89 60.51 79.12 97.74 26 40.04 23.27 41.89 60.51 79.12 97.74 27 40.04 23.27 41.89 60.51 79.12 97.74 28 40.04 23.27 41.89 60.51 79.12 97.74 29 40.04 23.27 41.89 60.51 79.12 97.74 30 40.04 23.27 41.89 60.51 79.12 97.74 31 40.04 23.27 41.89 60.51 79.12 97.74 32 40.04 23.27 41.89 60.51 79.12 97.74 33 40.04 23.27 41.89 60.51 79.12 97.74 34 40.04 23.27 41.89 60.51 79.12 97.74 35 40.04 23.27 41.89 60.51 79.12 97.74 36 40.04 23.27 41.89 60.51 79.12 97.74 37 40.04 23.27 41.89 60.51 79.12 97.74 38 40.04 23.27 41.89 60.51 79.12 97.74 39 40.04 23.27 41.89 60.51 79.12 97.74 40 40.04 23.27 41.89 60.51 79.12 97.74 41 40.04 23.27 41.89 60.51 79.12 97.74 42 40.04 23.27 41.89 60.51 79.12 97.74 43 40.04 23.27 41.89 60.51 79.12 97.74 44 40.04 23.27 41.89 60.51 79.12 97.74 45 40.04 23.27 41.89 60.51 79.12 97.74 46 41.94 24.15 43.65 63.16 82.66 102.16 47 43.95 25.09 45.52 65.96 86.40 106.83 48 46.07 26.07 47.50 68.92 90.34 111.76 49 48.31 27.11 49.58 72.04 94.51 116.97 50 50.65 28.20 51.75 75.31 98.86 122.41 51 53.12 29.35 54.05 78.75 103.45 128.15 52 55.70 30.55 56.45 82.35 108.25 134.15 53 58.42 31.82 58.98 86.15 113.31 140.48 54 61.27 33.14 61.63 90.12 118.61 147.10 55 64.91 34.83 65.02 95.20 125.38 155.57 56 68.80 36.64 68.63 100.63 132.62 164.61 57 72.93 38.56 72.47 106.39 140.30 174.21 58 77.35 40.62 76.59 112.55 148.52 184.49 59 82.05 42.80 80.96 119.11 157.26 195.42 60 87.08 45.14 85.63 126.13 166.62 207.11 61 92.46 47.64 90.64 133.63 176.63 219.62 62 98.17 50.30 95.95 141.60 187.25 232.90 63 104.28 53.14 101.63 150.12 198.61 247.10 64 110.77 56.16 107.67 159.17 210.68 262.19 65 117.70 59.38 114.11 168.84 223.57 278.30 66 125.89 63.19 121.73 180.27 238.81 297.34 67 133.50 66.73 128.81 190.88 252.96 315.04 68 141.68 70.53 136.41 202.29 268.17 334.06 69 150.44 74.60 144.56 214.51 284.47 354.42 70 159.83 78.97 153.29 227.61 301.93 376.25 71 169.84 83.63 162.60 241.58 320.55 399.53 72 180.49 88.58 172.51 256.43 340.36 424.29 73 191.73 93.80 182.96 272.11 361.27 450.42 74 203.57 99.31 193.97 288.63 383.29 477.95 75 216.02 105.10 205.55 306.00 406.45 506.90 76 227.42 110.40 216.15 321.90 427.65 533.40 77 239.52 116.03 227.40 338.78 450.16 561.53 78 252.44 122.03 239.42 356.80 474.19 591.57 79 266.34 128.50 252.35 376.19 500.04 623.89 80 281.24 135.43 266.20 396.98 527.76 658.53 Female Tobacco Age $1,000 $5,000 $10,000 $15,000 $20,000 $25,000 25 33.36 20.16 35.67 51.19 66.70 82.21 26 33.36 20.16 35.67 51.19 66.70 82.21 27 33.36 20.16 35.67 51.19 66.70 82.21 28 33.36 20.16 35.67 51.19 66.70 82.21 29 33.36 20.16 35.67 51.19 66.70 82.21 30 33.36 20.16 35.67 51.19 66.70 82.21 31 33.36 20.16 35.67 51.19 66.70 82.21 32 33.36 20.16 35.67 51.19 66.70 82.21 33 33.36 20.16 35.67 51.19 66.70 82.21 34 33.36 20.16 35.67 51.19 66.70 82.21 35 33.36 20.16 35.67 51.19 66.70 82.21 36 33.36 20.16 35.67 51.19 66.70 82.21 37 33.36 20.16 35.67 51.19 66.70 82.21 38 33.36 20.16 35.67 51.19 66.70 82.21 39 33.36 20.16 35.67 51.19 66.70 82.21 40 33.36 20.16 35.67 51.19 66.70 82.21 41 33.36 20.16 35.67 51.19 66.70 82.21 42 33.36 20.16 35.67 51.19 66.70 82.21 43 33.36 20.16 35.67 51.19 66.70 82.21 44 33.36 20.16 35.67 51.19 66.70 82.21 45 33.36 20.16 35.67 51.19 66.70 82.21 46 34.82 20.84 37.03 53.22 69.42 85.61 47 36.33 21.54 38.44 55.33 72.22 89.12 48 37.92 22.28 39.92 57.55 75.18 92.81 49 39.59 23.06 41.47 59.88 78.29 96.70 50 41.34 23.87 43.10 62.32 81.54 100.77 51 43.18 24.73 44.81 64.89 84.96 105.04 52 45.10 25.62 46.59 67.56 88.54 109.51 53 47.12 26.56 48.47 70.38 92.29 114.20 54 49.22 27.54 50.42 73.31 96.20 119.09 55 51.93 28.80 52.94 77.09 101.24 125.39 56 54.82 30.14 55.63 81.12 106.62 132.11 57 57.88 31.56 58.48 85.39 112.31 139.22 58 61.15 33.08 61.52 89.95 118.39 146.82 59 64.61 34.69 64.74 94.78 124.82 154.87 60 68.30 36.41 68.17 99.93 131.69 163.45 61 72.23 38.24 71.82 105.41 139.00 172.58 62 76.40 40.18 75.70 111.23 146.75 182.28 63 80.84 42.24 79.83 117.42 155.01 192.60 64 86.27 44.77 84.88 125.00 165.11 205.23 65 90.53 46.75 88.84 130.94 173.04 215.13 66 96.02 49.30 93.95 138.60 183.25 227.90 67 100.97 51.60 98.55 145.50 192.45 239.41 68 106.27 54.07 103.48 152.90 202.31 251.73 69 111.94 56.70 108.75 160.81 212.86 264.91 70 117.98 59.51 114.37 169.23 224.09 278.95 71 124.40 62.50 120.34 178.19 236.03 293.88 72 131.19 65.65 126.66 187.66 248.66 309.67 73 138.34 68.98 133.31 197.63 261.96 326.29 74 145.80 72.45 140.24 208.04 275.84 343.64 75 153.61 76.08 147.51 218.94 290.36 361.79 76 163.74 80.79 156.93 233.07 309.21 385.35 77 174.58 85.83 167.01 248.19 329.37 410.55 78 186.24 91.25 177.85 264.45 351.06 437.66 79 198.85 97.12 189.58 282.05 374.51 466.98 80 212.50 103.46 202.28 301.09 399.90 498.71 *See page 14 for details. 5

Express Deluxe Simplified Whole Life Ages: 20 80 (age nearest) Face Amounts: $5,000 50,000 Rate Classes: Non-Tobacco/Tobacco Built-in Rating: 8 Tables Policy Fee: $50 (commissionable) Modal Factors: Semi-annual:.530 Quarterly:.270 Monthly PAC:.093 Direct Monthly Bill:.099 Ideal product for insulin-dependent diabetics, individuals receiving disability compensation, or those who have previously been declined by other insurance carriers. Male Non-Tobacco Age $1,000 $5,000 $10,000 $20,000 $30,000 $50,000 20 10.80 9.67 14.69 24.74 34.78 54.87 21 11.20 9.86 15.07 25.48 35.90 56.73 22 11.63 10.06 15.47 26.28 37.10 58.73 23 12.09 10.27 15.89 27.14 38.38 60.87 24 12.58 10.50 16.35 28.05 39.75 63.15 25 13.10 10.74 16.83 29.02 41.20 65.57 26 13.45 10.90 17.16 29.67 42.18 67.19 27 13.80 11.07 17.48 30.32 43.15 68.82 28 14.19 11.25 17.85 31.04 44.24 70.63 29 14.59 11.43 18.22 31.79 45.36 72.49 30 15.02 11.63 18.62 32.59 46.56 74.49 31 15.48 11.85 19.05 33.44 47.84 76.63 32 15.97 12.08 19.50 34.35 49.21 78.91 33 16.48 12.31 19.98 35.30 50.63 81.28 34 17.04 12.57 20.50 36.34 52.19 83.89 35 17.62 12.84 21.04 37.42 53.81 86.58 36 18.56 13.28 21.91 39.17 56.43 90.95 37 19.55 13.74 22.83 41.01 59.19 95.56 38 20.61 14.23 23.82 42.98 62.15 100.49 39 21.73 14.75 24.86 45.07 65.28 105.69 40 22.90 15.30 25.95 47.24 68.54 111.14 41 24.14 15.88 27.10 49.55 72.00 116.90 42 25.45 16.48 28.32 51.99 75.66 122.99 43 26.83 17.13 29.60 54.55 79.51 129.41 44 28.30 17.81 30.97 57.29 83.61 136.25 45 29.84 18.53 32.40 60.15 87.90 143.41 46 30.95 19.04 33.43 62.22 91.00 148.57 47 32.12 19.59 34.52 64.39 94.26 154.01 48 33.34 20.15 35.66 66.66 97.67 159.68 49 34.62 20.75 36.85 69.04 101.24 165.63 50 35.96 21.37 38.09 71.54 104.98 171.86 51 37.35 22.02 39.39 74.12 108.86 178.33 52 38.80 22.69 40.73 76.82 112.90 185.07 53 40.32 23.40 42.15 79.65 117.14 192.14 54 41.90 24.13 43.62 82.58 121.55 199.49 55 43.54 24.90 45.14 85.63 126.13 207.11 56 45.57 25.84 47.03 89.41 131.79 216.55 57 47.69 26.83 49.00 93.35 137.71 226.41 58 49.94 27.87 51.09 97.54 143.98 236.87 59 52.32 28.98 53.31 101.97 150.62 247.94 60 54.86 30.16 55.67 106.69 157.71 259.75 61 57.55 31.41 58.17 111.69 165.21 272.26 62 60.39 32.73 60.81 116.98 173.14 285.46 63 63.41 34.14 63.62 122.59 181.56 299.51 64 66.61 35.62 66.60 128.54 190.49 314.39 65 69.98 37.19 69.73 134.81 199.89 330.06 66 74.10 39.11 73.56 142.48 211.39 349.22 67 78.50 41.15 77.66 150.66 223.67 369.68 68 83.22 43.35 82.04 159.44 236.83 391.62 69 88.27 45.70 86.74 168.83 250.92 415.11 70 94.62 48.65 92.65 180.64 268.64 444.63 71 101.44 51.82 98.99 193.33 287.67 476.35 72 108.75 55.22 105.79 206.93 308.06 510.34 73 116.53 58.84 113.02 221.40 329.77 546.51 74 124.80 62.68 120.71 236.78 352.84 584.97 75 133.55 66.75 128.85 253.05 377.25 625.66 76 141.96 70.66 136.67 268.70 400.72 664.76 77 150.91 74.82 145.00 285.34 425.69 706.38 78 160.50 79.28 153.92 303.18 452.45 750.98 79 170.89 84.11 163.58 322.51 481.43 799.29 80 182.11 89.33 174.01 343.37 512.74 851.46 Female Non-Tobacco Age $1,000 $5,000 $10,000 $20,000 $30,000 $50,000 20 8.55 8.63 12.60 20.55 28.50 44.41 21 8.90 8.79 12.93 21.20 29.48 46.04 22 9.28 8.97 13.28 21.91 30.54 47.80 23 9.70 9.16 13.67 22.69 31.71 49.76 24 10.09 9.34 14.03 23.42 32.80 51.57 25 10.54 9.55 14.45 24.25 34.06 53.66 26 10.90 9.72 14.79 24.92 35.06 55.34 27 11.29 9.90 15.15 25.65 36.15 57.15 28 11.69 10.09 15.52 26.39 37.27 59.01 29 12.11 10.28 15.91 27.17 38.44 60.96 30 12.56 10.49 16.33 28.01 39.69 63.05 31 13.02 10.70 16.76 28.87 40.98 65.19 32 13.52 10.94 17.22 29.80 42.37 67.52 33 14.04 11.18 17.71 30.76 43.82 69.94 34 14.58 11.43 18.21 31.77 45.33 72.45 35 15.17 11.70 18.76 32.87 46.97 75.19 36 15.94 12.06 19.47 34.30 49.12 78.77 37 16.75 12.44 20.23 35.81 51.38 82.54 38 17.60 12.83 21.02 37.39 53.75 86.49 39 18.51 13.26 21.86 39.08 56.29 90.72 40 19.42 13.68 22.71 40.77 58.83 94.95 41 20.42 14.15 23.64 42.63 61.62 99.60 42 21.45 14.62 24.60 44.55 64.50 104.39 43 22.55 15.14 25.62 46.59 67.56 109.51 44 23.67 15.66 26.66 48.68 70.69 114.72 45 24.87 16.21 27.78 50.91 74.04 120.30 46 25.70 16.60 28.55 52.45 76.35 124.16 47 26.55 17.00 29.34 54.03 78.72 128.11 48 27.45 17.41 30.18 55.71 81.24 132.29 49 28.38 17.85 31.04 57.44 83.83 136.62 50 29.35 18.30 31.95 59.24 86.54 141.13 51 30.37 18.77 32.89 61.14 89.38 145.87 52 31.42 19.26 33.87 63.09 92.31 150.75 53 32.52 19.77 34.89 65.14 95.38 155.87 54 33.66 20.30 35.95 67.26 98.56 161.17 55 34.84 20.85 37.05 69.45 101.85 166.66 56 36.31 21.53 38.42 72.19 105.95 173.49 57 37.84 22.25 39.84 75.03 110.22 180.61 58 39.49 23.01 41.38 78.10 114.83 188.28 59 41.20 23.81 42.97 81.28 119.60 196.23 60 43.03 24.66 44.67 84.69 124.70 204.74 61 44.97 25.56 46.47 88.29 130.12 213.76 62 47.01 26.51 48.37 92.09 135.81 223.25 63 49.16 27.51 50.37 96.09 141.81 233.24 64 51.88 28.77 52.90 101.15 149.40 245.89 65 53.83 29.68 54.71 104.77 154.84 254.96 66 57.23 31.26 57.87 111.10 164.32 270.77 67 60.86 32.95 61.25 117.85 174.45 287.65 68 64.76 34.76 64.88 125.10 185.33 305.78 69 68.96 36.72 68.78 132.92 197.05 325.31 70 74.20 39.15 73.66 142.66 211.67 349.68 71 79.87 41.79 78.93 153.21 227.49 376.05 72 85.98 44.63 84.61 164.57 244.53 404.46 73 92.50 47.66 90.68 176.70 262.73 434.78 74 99.43 50.88 97.12 189.59 282.06 467.00 75 106.86 54.34 104.03 203.41 302.79 501.55 76 113.56 57.46 110.26 215.87 321.48 532.70 77 120.72 60.78 116.92 229.19 341.46 566.00 78 128.41 64.36 124.07 243.49 362.91 601.76 79 136.71 68.22 131.79 258.93 386.07 640.35 80 145.69 72.40 140.14 275.63 411.13 682.11 6

Express Deluxe Simplified Whole Life Available Benefits & Riders:* Child Rider Accidental Death Benefit A two-year look-back for Cancer, Heart/Circulatory Disorder, Stroke, Alzheimers, Dementia, Sickle Cell Anemia, Kidney Disease, Liver Disease, Lung Disease, ALS, Neurological disorders, and alcohol or drug abuse. Male Tobacco Age $1,000 $5,000 $10,000 $20,000 $30,000 $50,000 20 15.34 11.78 18.92 33.18 47.45 75.98 21 15.92 12.05 19.46 34.26 49.07 78.68 22 16.52 12.33 20.01 35.38 50.74 81.47 23 17.18 12.64 20.63 36.60 52.58 84.54 24 17.88 12.96 21.28 37.91 54.54 87.79 25 18.62 13.31 21.97 39.28 56.60 91.23 26 19.10 13.53 22.41 40.18 57.94 93.47 27 19.60 13.76 22.88 41.11 59.33 95.79 28 20.15 14.02 23.39 42.13 60.87 98.35 29 20.73 14.29 23.93 43.21 62.49 101.04 30 21.34 14.57 24.50 44.34 64.19 103.88 31 21.99 14.88 25.10 45.55 66.00 106.90 32 22.68 15.20 25.74 46.83 67.93 110.11 33 23.41 15.54 26.42 48.19 69.96 113.51 34 24.20 15.90 27.16 49.66 72.17 117.18 35 25.02 16.28 27.92 51.19 74.46 120.99 36 26.37 16.91 29.17 53.70 78.22 127.27 37 27.78 17.57 30.49 56.32 82.16 133.83 38 29.28 18.27 31.88 59.11 86.34 140.80 39 30.86 19.00 33.35 62.05 90.75 148.15 40 32.53 19.78 34.90 65.16 95.41 155.91 41 34.29 20.59 36.54 68.43 100.32 164.10 42 36.16 21.46 38.28 71.91 105.54 172.79 43 38.12 22.38 40.10 75.55 111.00 181.91 44 40.20 23.34 42.04 79.42 116.81 191.58 45 42.39 24.36 44.07 83.50 122.92 201.76 46 44.41 25.30 45.95 87.25 128.55 211.16 47 46.54 26.29 47.93 91.21 134.50 221.06 48 48.78 27.33 50.02 95.38 140.75 231.48 49 51.15 28.43 52.22 99.79 147.36 242.50 50 53.63 29.59 54.53 104.40 154.28 254.03 51 56.24 30.80 56.95 109.26 161.56 266.17 52 58.98 32.08 59.50 114.35 169.20 278.91 53 61.86 33.41 62.18 119.71 177.24 292.30 54 64.87 34.81 64.98 125.31 185.64 306.30 55 68.04 36.29 67.93 131.20 194.48 321.04 56 71.84 38.06 71.46 138.27 205.08 338.71 57 75.86 39.92 75.20 145.75 216.30 357.40 58 80.16 41.92 79.20 153.75 228.30 377.39 59 84.74 44.05 83.46 162.27 241.07 398.69 60 89.62 46.32 88.00 171.34 254.69 421.38 61 94.83 48.75 92.84 181.03 269.23 445.61 62 100.39 51.33 98.01 191.38 284.74 471.46 63 106.30 54.08 103.51 202.37 301.23 498.95 64 112.58 57.00 109.35 214.05 318.75 528.15 65 119.29 60.12 115.59 226.53 337.47 559.35 66 124.89 62.72 120.80 236.95 353.09 585.39 67 130.83 65.49 126.32 247.99 369.67 613.01 68 137.17 68.43 132.22 259.79 387.35 642.49 69 143.92 71.57 138.50 272.34 406.19 673.88 70 152.60 75.61 146.57 288.49 430.40 714.24 71 161.87 79.92 155.19 305.73 456.27 757.35 72 171.71 84.50 164.34 324.03 483.72 803.10 73 182.08 89.32 173.98 343.32 512.65 851.32 74 192.99 94.39 184.13 363.61 543.09 902.05 75 204.44 99.71 194.78 384.91 575.04 955.30 76 217.27 105.68 206.71 408.77 610.83 1,014.96 77 230.97 112.05 219.45 434.25 649.06 1,078.66 78 245.69 118.90 233.14 461.63 690.13 1,147.11 79 261.58 126.28 247.92 491.19 734.46 1,221.00 80 278.73 134.26 263.87 523.09 782.31 1,300.74 Female Tobacco Age $1,000 $5,000 $10,000 $20,000 $30,000 $50,000 20 12.15 10.30 15.95 27.25 38.55 61.15 21 12.64 10.53 16.41 28.16 39.92 63.43 22 13.19 10.78 16.92 29.18 41.45 65.98 23 13.77 11.05 17.46 30.26 43.07 68.68 24 14.35 11.32 18.00 31.34 44.69 71.38 25 14.98 11.62 18.58 32.51 46.44 74.31 26 15.49 11.85 19.06 33.46 47.87 76.68 27 16.04 12.11 19.57 34.48 49.40 79.24 28 16.60 12.37 20.09 35.53 50.96 81.84 29 17.21 12.65 20.66 36.66 52.67 84.68 30 17.84 12.95 21.24 37.83 54.42 87.61 31 18.49 13.25 21.85 39.04 56.24 90.63 32 19.20 13.58 22.51 40.36 58.22 93.93 33 19.94 13.92 23.19 41.74 60.28 97.37 34 20.72 14.28 23.92 43.19 62.46 101.00 35 21.56 14.68 24.70 44.75 64.80 104.90 36 22.64 15.18 25.71 46.76 67.82 109.93 37 23.79 15.71 26.77 48.90 71.02 115.27 38 25.00 16.28 27.90 51.15 74.40 120.90 39 26.29 16.87 29.10 53.55 78.00 126.90 40 27.60 17.48 30.32 55.99 81.65 132.99 41 29.02 18.14 31.64 58.63 85.62 139.59 42 30.47 18.82 32.99 61.32 89.66 146.34 43 32.02 19.54 34.43 64.21 93.99 153.54 44 33.63 20.29 35.93 67.20 98.48 161.03 45 35.33 21.08 37.51 70.36 103.22 168.93 46 36.86 21.79 38.93 73.21 107.49 176.05 47 38.47 22.54 40.43 76.20 111.98 183.54 48 40.15 23.32 41.99 79.33 116.67 191.35 49 41.92 24.14 43.64 82.62 121.61 199.58 50 43.78 25.01 45.37 86.08 126.80 208.23 51 45.72 25.91 47.17 89.69 132.21 217.25 52 47.75 26.85 49.06 93.47 137.87 226.69 53 49.89 27.85 51.05 97.45 143.84 236.64 54 52.11 28.88 53.11 101.57 150.04 246.96 55 54.44 29.96 55.28 105.91 156.54 257.80 56 57.24 31.27 57.88 111.12 164.35 270.82 57 60.21 32.65 60.65 116.64 172.64 284.63 58 63.37 34.12 63.58 122.52 181.45 299.32 59 66.72 35.67 66.70 128.75 190.80 314.90 60 70.29 37.33 70.02 135.39 200.76 331.50 61 74.10 39.11 73.56 142.48 211.39 349.22 62 78.12 40.98 77.30 149.95 222.60 367.91 63 82.40 42.97 81.28 157.91 234.55 387.81 64 87.69 45.43 86.20 167.75 249.31 412.41 65 91.76 47.32 89.99 175.32 260.66 431.33 66 96.44 49.49 94.34 184.03 273.72 453.10 67 101.42 51.81 98.97 193.29 287.61 476.25 68 106.75 54.29 103.93 203.21 302.48 501.04 69 112.44 56.93 109.22 213.79 318.36 527.50 70 119.70 60.31 115.97 227.29 338.61 561.26 71 127.46 63.92 123.19 241.73 360.26 597.34 72 135.73 67.76 130.88 257.11 383.34 635.79 73 144.51 71.85 139.04 273.44 407.83 676.62 74 153.77 76.15 147.66 290.66 433.67 719.68 75 163.56 80.71 156.76 308.87 460.98 765.20 76 173.81 85.47 166.29 327.94 489.58 812.87 77 184.77 90.57 176.49 348.32 520.16 863.83 78 196.55 96.05 187.44 370.23 553.02 918.61 79 209.25 101.95 199.25 393.86 588.46 977.66 80 222.99 108.34 212.03 419.41 626.79 1,041.55 *See page 14 for details. 7

Express Premier Simplified Whole Life Ages: 20-80 (age nearest) Face Amounts: $5,000-100,000 (through age 60) $5,000-50,000 (ages 61-80) Rate Classes: Built-in Rating: Policy Fee: Non-Tobacco/Tobacco 4 Tables $50 (commissionable) Modal Factors: Semi-annual:.530 Quarterly:.270 Monthly PAC:.093 Direct Monthly Bill:.099 Ideal product for clients with minor health issues, such as controlled high blood pressure or controlled high cholesterol, or Type II Diabetes (non-insulin dependent). Male Non-Tobacco Age $1,000 $5,000 $10,000 $25,000 $50,000 $100,000 20 8.14 8.44 12.22 23.58 42.50 80.35 21 8.45 8.58 12.51 24.30 43.94 83.24 22 8.76 8.72 12.80 25.02 45.38 86.12 23 9.11 8.89 13.12 25.83 47.01 89.37 24 9.47 9.05 13.46 26.67 48.69 92.72 25 9.86 9.23 13.82 27.57 50.50 96.35 26 10.14 9.37 14.08 28.23 51.80 98.95 27 10.42 9.50 14.34 28.88 53.10 101.56 28 10.72 9.63 14.62 29.57 54.50 104.35 29 11.03 9.78 14.91 30.29 55.94 107.23 30 11.36 9.93 15.21 31.06 57.47 110.30 31 11.70 10.09 15.53 31.85 59.06 113.46 32 12.06 10.26 15.87 32.69 60.73 116.81 33 12.42 10.43 16.20 33.53 62.40 120.16 34 12.80 10.60 16.55 34.41 64.17 123.69 35 13.20 10.79 16.93 35.34 66.03 127.41 36 13.83 11.08 17.51 36.80 68.96 133.27 37 14.50 11.39 18.14 38.36 72.08 139.50 38 15.21 11.72 18.80 40.01 75.38 146.10 39 15.95 12.07 19.48 41.73 78.82 152.99 40 16.74 12.43 20.22 43.57 82.49 160.33 41 17.55 12.81 20.97 45.45 86.26 167.87 42 18.42 13.22 21.78 47.48 90.30 175.96 43 19.34 13.64 22.64 49.62 94.58 184.51 44 20.32 14.10 23.55 51.89 99.14 193.63 45 21.34 14.57 24.50 54.27 103.88 203.11 46 22.21 14.98 25.31 56.29 107.93 211.20 47 23.12 15.40 26.15 58.40 112.16 219.67 48 24.07 15.84 27.04 60.61 116.58 228.50 49 25.07 16.31 27.97 62.94 121.23 237.80 50 26.13 16.80 28.95 65.40 126.15 247.66 51 27.24 17.32 29.98 67.98 131.32 257.98 52 28.40 17.86 31.06 70.68 136.71 268.77 53 29.62 18.42 32.20 73.52 142.38 280.12 54 30.89 19.01 33.38 76.47 148.29 291.93 55 32.54 19.78 34.91 80.31 155.96 307.27 56 34.29 20.59 36.54 84.37 164.10 323.55 57 36.15 21.46 38.27 88.70 172.75 340.85 58 38.10 22.37 40.08 93.23 181.82 358.98 59 40.19 23.34 42.03 98.09 191.53 378.42 60 42.41 24.37 44.09 103.25 201.86 399.06 61 44.77 25.47 46.29 108.74 212.83 62 47.27 26.63 48.61 114.55 224.46 63 49.93 27.87 51.08 120.74 236.82 64 52.74 29.17 53.70 127.27 249.89 65 55.71 30.56 56.46 134.18 263.70 66 60.52 32.79 60.93 145.36 286.07 67 65.18 34.96 65.27 156.19 307.74 68 70.25 37.32 69.98 167.98 331.31 69 75.77 39.88 75.12 180.82 356.98 70 81.79 42.68 80.71 194.81 384.97 71 89.34 46.19 87.74 212.37 420.08 72 97.59 50.03 95.41 231.55 458.44 73 106.54 54.19 103.73 252.36 500.06 74 116.26 58.71 112.77 274.95 545.26 75 126.74 63.58 122.52 299.32 593.99 76 137.70 68.68 132.71 324.80 644.96 77 146.38 72.72 140.78 344.98 685.32 78 155.69 77.05 149.44 366.63 728.61 79 165.76 81.73 158.81 390.04 775.43 80 176.65 86.79 168.93 415.36 826.07 Female Non-Tobacco Age $1,000 $5,000 $10,000 $25,000 $50,000 $100,000 20 6.16 7.51 10.38 18.97 33.29 61.94 21 6.42 7.64 10.62 19.58 34.50 64.36 22 6.68 7.76 10.86 20.18 35.71 66.77 23 6.95 7.88 11.11 20.81 36.97 69.29 24 7.24 8.02 11.38 21.48 38.32 71.98 25 7.55 8.16 11.67 22.20 39.76 74.87 26 7.81 8.28 11.91 22.81 40.97 77.28 27 8.06 8.40 12.15 23.39 42.13 79.61 28 8.34 8.53 12.41 24.04 43.43 82.21 29 8.62 8.66 12.67 24.69 44.73 84.82 30 8.91 8.79 12.94 25.37 46.08 87.51 31 9.22 8.94 13.22 26.09 47.52 90.40 32 9.54 9.09 13.52 26.83 49.01 93.37 33 9.88 9.24 13.84 27.62 50.59 96.53 34 10.22 9.40 14.15 28.41 52.17 99.70 35 10.59 9.57 14.50 29.27 53.89 103.14 36 11.06 9.79 14.94 30.36 56.08 107.51 37 11.57 10.03 15.41 31.55 58.45 112.25 38 12.10 10.28 15.90 32.78 60.92 117.18 39 12.64 10.53 16.41 34.04 63.43 122.20 40 13.22 10.80 16.94 35.39 66.12 127.60 41 13.82 11.08 17.50 36.78 68.91 133.18 42 14.44 11.36 18.08 38.22 71.80 138.94 43 15.10 11.67 18.69 39.76 74.87 145.08 44 15.80 12.00 19.34 41.39 78.12 151.59 45 16.53 12.34 20.02 43.08 81.51 158.38 46 17.16 12.63 20.61 44.55 84.44 164.24 47 17.82 12.94 21.22 46.08 87.51 170.38 48 18.50 13.25 21.86 47.66 90.68 176.70 49 19.23 13.59 22.53 49.36 94.07 183.49 50 19.98 13.94 23.23 51.10 97.56 190.46 51 20.78 14.31 23.98 52.96 101.28 197.90 52 21.62 14.70 24.76 54.92 105.18 205.72 53 22.49 15.11 25.57 56.94 109.23 213.81 54 23.40 15.53 26.41 59.06 113.46 222.27 55 24.60 16.09 27.53 61.85 119.04 233.43 56 25.69 16.60 28.54 64.38 124.11 243.57 57 26.84 17.13 29.61 67.05 129.46 254.26 58 28.06 17.70 30.75 69.89 135.13 265.61 59 29.36 18.30 31.95 72.91 141.17 277.70 60 30.73 18.94 33.23 76.10 147.54 290.44 61 32.20 19.62 34.60 79.52 154.38 62 33.74 20.34 36.03 83.10 161.54 63 35.38 21.10 37.55 86.91 169.17 64 37.10 21.90 39.15 90.91 177.17 65 38.90 22.74 40.83 95.09 185.54 66 41.82 24.10 43.54 101.88 199.11 67 44.60 25.39 46.13 108.35 212.04 68 47.63 26.80 48.95 115.39 226.13 69 50.94 28.34 52.02 123.09 241.52 70 54.55 30.02 55.38 131.48 258.31 71 59.19 32.17 59.70 142.27 279.88 72 64.28 34.54 64.43 154.10 303.55 73 69.82 37.12 69.58 166.98 329.31 74 75.84 39.92 75.18 180.98 357.31 75 82.35 42.94 81.24 196.11 387.58 76 89.42 46.23 87.81 212.55 420.45 77 95.21 48.92 93.20 226.01 447.38 78 101.54 51.87 99.08 240.73 476.81 79 109.42 55.53 106.41 259.05 513.45 80 118.13 59.58 114.51 279.30 553.95 8

Express Premier Simplified Whole Life Available Benefits & Riders: * Child Rider Accidental Death Benefit: A two-year look back for Schizophrenia or Bipolar Disorder, Diabetes requiring insulin treatment, or Systemic Lupus Erythematosus (SLE). Male Tobacco Age $1,000 $5,000 $10,000 $25,000 $50,000 $100,000 20 12.71 10.56 16.47 34.20 63.75 122.85 21 13.20 10.79 16.93 35.34 66.03 127.41 22 13.69 11.02 17.38 36.48 68.31 131.97 23 14.23 11.27 17.88 37.73 70.82 136.99 24 14.81 11.54 18.42 39.08 73.52 142.38 25 15.41 11.82 18.98 40.48 76.31 147.96 26 15.84 12.02 19.38 41.48 78.31 151.96 27 16.28 12.22 19.79 42.50 80.35 156.05 28 16.75 12.44 20.23 43.59 82.54 160.43 29 17.24 12.67 20.68 44.73 84.82 164.98 30 17.75 12.90 21.16 45.92 87.19 169.73 31 18.28 13.15 21.65 47.15 89.65 174.65 32 18.83 13.41 22.16 48.43 92.21 179.77 33 19.41 13.68 22.70 49.78 94.91 185.16 34 20.00 13.95 23.25 51.15 97.65 190.65 35 20.62 14.24 23.83 52.59 100.53 196.42 36 21.61 14.70 24.75 54.89 105.14 205.62 37 22.66 15.19 25.72 57.33 110.02 215.39 38 23.76 15.70 26.75 59.89 115.13 225.62 39 24.92 16.24 27.83 62.59 120.53 236.41 40 26.15 16.81 28.97 65.45 126.25 247.85 41 27.43 17.40 30.16 68.42 132.20 259.75 42 28.79 18.04 31.42 71.59 138.52 272.40 43 30.23 18.71 32.76 74.93 145.22 285.79 44 31.75 19.41 34.18 78.47 152.29 299.93 45 33.35 20.16 35.67 82.19 159.73 314.81 46 35.05 20.95 37.25 86.14 167.63 330.62 47 36.85 21.79 38.92 90.33 176.00 347.36 48 38.74 22.66 40.68 94.72 184.79 364.93 49 40.74 23.59 42.54 99.37 194.09 383.53 50 42.87 24.58 44.52 104.32 204.00 403.34 51 45.11 25.63 46.60 109.53 214.41 424.17 52 47.48 26.73 48.81 115.04 225.43 446.21 53 49.97 27.89 51.12 120.83 237.01 469.37 54 52.60 29.11 53.57 126.95 249.24 493.83 55 55.93 30.66 56.66 134.69 264.72 524.80 56 59.47 32.30 59.96 142.92 281.19 557.72 57 63.26 34.07 63.48 151.73 298.81 592.97 58 67.28 35.94 67.22 161.08 317.50 630.35 59 71.60 37.94 71.24 171.12 337.59 670.53 60 76.20 40.08 75.52 181.82 358.98 713.31 61 81.14 42.38 80.11 193.30 381.95 62 86.42 44.84 85.02 205.58 406.50 63 92.06 47.46 90.27 218.69 432.73 64 98.07 50.25 95.86 232.66 460.68 65 104.45 53.22 101.79 247.50 490.34 66 112.07 56.76 108.88 265.21 525.78 67 119.24 60.10 115.54 281.88 559.12 68 126.96 63.69 122.72 299.83 595.01 69 135.31 67.57 130.49 319.25 633.84 70 144.33 71.76 138.88 340.22 675.78 71 154.04 76.28 147.91 362.79 720.94 72 164.46 81.12 157.60 387.02 769.39 73 175.63 86.32 167.99 412.99 821.33 74 187.52 91.85 179.04 440.63 876.62 75 200.10 97.70 190.74 469.88 935.12 76 212.92 103.66 202.67 499.69 994.73 77 226.35 109.90 215.16 530.91 1,057.18 78 240.78 116.61 228.58 564.46 1,124.28 79 256.35 123.85 243.06 600.66 1,196.68 80 273.16 131.67 258.69 639.75 1,274.84 *See page 14 for details. Female Tobacco Age $1,000 $5,000 $10,000 $25,000 $50,000 $100,000 20 9.63 9.13 13.61 27.04 49.43 94.21 21 10.02 9.31 13.97 27.95 51.24 97.84 22 10.44 9.50 14.36 28.92 53.20 101.74 23 10.87 9.70 14.76 29.92 55.20 105.74 24 11.32 9.91 15.18 30.97 57.29 109.93 25 11.80 10.14 15.62 32.09 59.52 114.39 26 12.20 10.32 16.00 33.02 61.38 118.11 27 12.60 10.51 16.37 33.95 63.24 121.83 28 13.03 10.71 16.77 34.94 65.24 125.83 29 13.47 10.91 17.18 35.97 67.29 129.92 30 13.93 11.13 17.60 37.04 69.42 134.20 31 14.41 11.35 18.05 38.15 71.66 138.66 32 14.91 11.58 18.52 39.32 73.98 143.31 33 15.44 11.83 19.01 40.55 76.45 148.24 34 15.98 12.08 19.51 41.80 78.96 153.26 35 16.55 12.35 20.04 43.13 81.61 158.57 36 17.29 12.69 20.73 44.85 85.05 165.45 37 18.08 13.06 21.46 46.69 88.72 172.79 38 18.90 13.44 22.23 48.59 92.54 180.42 39 19.76 13.84 23.03 50.59 96.53 188.42 40 20.66 14.26 23.86 52.68 100.72 196.79 41 21.59 14.69 24.73 54.85 105.04 205.44 42 22.57 15.15 25.64 57.13 109.60 214.55 43 23.60 15.62 26.60 59.52 114.39 224.13 44 24.68 16.13 27.60 62.03 119.41 234.17 45 25.82 16.66 28.66 64.68 124.71 244.78 46 27.08 17.24 29.83 67.61 130.57 256.49 47 28.39 17.85 31.05 70.66 136.66 268.68 48 29.78 18.50 32.35 73.89 143.13 281.60 49 31.25 19.18 33.71 77.31 149.96 295.28 50 32.79 19.90 35.14 80.89 157.12 309.60 51 34.42 20.66 36.66 84.68 164.70 324.76 52 36.14 21.46 38.26 88.68 172.70 340.75 53 37.94 22.29 39.93 92.86 181.07 357.49 54 39.85 23.18 41.71 97.30 189.95 375.26 55 42.29 24.31 43.98 102.97 201.30 397.95 56 44.55 25.37 46.08 108.23 211.81 418.97 57 46.97 26.49 48.33 113.86 223.06 441.47 58 49.54 27.69 50.72 119.83 235.01 465.37 59 52.29 28.96 53.28 126.22 247.80 490.95 60 55.23 30.33 56.01 133.06 261.47 518.29 61 58.37 31.79 58.93 140.36 276.07 62 61.70 33.34 62.03 148.10 291.56 63 65.24 34.99 65.32 156.33 308.02 64 68.98 36.73 68.80 165.03 325.41 65 72.93 38.56 72.47 174.21 343.77 66 77.45 40.66 76.68 184.72 364.79 67 81.58 42.58 80.52 194.32 384.00 68 86.08 44.68 84.70 204.79 404.92 69 90.96 46.95 89.24 216.13 427.61 70 96.28 49.42 94.19 228.50 452.35 71 102.07 52.11 99.58 241.96 479.28 72 108.32 55.02 105.39 256.49 508.34 73 115.08 58.16 111.67 272.21 539.77 74 122.33 61.53 118.42 289.07 573.48 75 130.01 65.10 125.56 306.92 609.20 76 138.29 68.95 133.26 326.17 647.70 77 147.22 73.11 141.56 346.94 689.22 78 157.00 77.66 150.66 369.68 734.70 79 169.20 83.33 162.01 398.04 791.43 80 182.66 89.59 174.52 429.33 854.02 9

Provider Simplified Whole Life Ages: 18-80 (age nearest) Face Amounts: $10,000-150,000 (through age 50) $10,000-100,000 (ages 51-60) $10,000-50,000 (ages 61-80) Rate Classes: Preferred Non-Tobacco/ Standard Non-Tobacco/Tobacco Policy Fee: $50 (commissionable) Modal Factors: Semi-annual:.530 Quarterly:.270 Monthly PAC:.093 Direct Monthly Bill:.099 No-cost built-in Terminal Illness Accelerated Benefit Rider for all face amounts.* Male Standard Non-Tobacco Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 18 6.22 10.43 19.11 33.57 48.03 62.50 76.96 91.42 19 6.45 10.65 19.65 34.64 49.64 64.64 79.63 94.63 20 6.69 10.87 20.20 35.76 51.31 66.87 82.42 97.98 21 6.95 11.11 20.81 36.97 53.13 69.29 85.44 101.60 22 7.20 11.35 21.39 38.13 54.87 71.61 88.35 105.09 23 7.49 11.62 22.06 39.48 56.89 74.31 91.72 109.14 24 7.79 11.89 22.76 40.87 58.99 77.10 95.21 113.32 25 8.11 12.19 23.51 42.36 61.22 80.07 98.93 117.78 26 8.46 12.52 24.32 43.99 63.66 83.33 103.00 122.67 27 8.82 12.85 25.16 45.66 66.17 86.68 107.18 127.69 28 9.21 13.22 26.06 47.48 68.89 90.30 111.72 133.13 29 9.61 13.59 26.99 49.34 71.68 94.02 116.37 138.71 30 10.04 13.99 27.99 51.34 74.68 98.02 121.37 144.71 31 10.49 14.41 29.04 53.43 77.82 102.21 126.60 150.99 32 10.95 14.83 30.11 55.57 81.03 106.49 131.94 157.40 33 11.44 15.29 31.25 57.85 84.44 111.04 137.64 164.24 34 11.94 15.75 32.41 60.17 87.93 115.69 143.45 171.21 35 12.48 16.26 33.67 62.68 91.70 120.71 149.73 178.75 36 13.09 16.82 35.08 65.52 95.95 126.39 156.82 187.26 37 13.73 17.42 36.57 68.49 100.42 132.34 164.26 196.18 38 14.41 18.05 38.15 71.66 105.16 138.66 172.17 205.67 39 15.13 18.72 39.83 75.00 110.18 145.36 180.54 215.71 40 15.88 19.42 41.57 78.49 115.41 152.33 189.26 226.18 41 16.67 20.15 43.41 82.17 120.92 159.68 198.44 237.20 42 17.51 20.93 45.36 86.07 126.78 167.49 208.20 248.91 43 18.40 21.76 47.43 90.21 132.99 175.77 218.55 261.33 44 19.34 22.64 49.62 94.58 139.55 184.51 229.48 274.44 45 20.33 23.56 51.92 99.18 146.45 193.72 240.99 288.25 46 21.28 24.44 54.13 103.60 153.08 202.55 252.03 301.51 47 22.28 25.37 56.45 108.25 160.05 211.85 263.66 315.46 48 23.34 26.36 58.92 113.18 167.45 221.71 275.98 330.24 49 24.45 27.39 61.50 118.34 175.19 232.04 288.88 345.73 50 25.63 28.49 64.24 123.83 183.42 243.01 302.60 362.19 51 26.87 29.64 67.12 129.60 192.07 254.54 52 28.18 30.86 70.17 135.69 201.21 266.72 53 29.55 32.13 73.35 142.06 210.76 279.47 54 30.99 33.47 76.70 148.75 220.81 292.86 55 32.84 35.19 81.00 157.36 233.71 310.06 56 34.52 36.75 84.91 165.17 245.43 325.69 57 36.32 38.43 89.09 173.54 257.98 342.43 58 38.20 40.18 93.47 182.28 271.10 359.91 59 40.21 42.05 98.14 191.63 285.11 378.60 60 42.33 44.02 103.07 201.48 299.90 398.32 61 44.59 46.12 108.32 211.99 62 46.98 48.34 113.88 223.11 63 49.51 50.69 119.76 234.87 64 52.18 53.18 125.97 247.29 65 55.00 55.80 132.53 260.40 66 59.46 59.95 142.89 281.14 67 63.73 63.92 152.82 300.99 68 68.36 68.22 163.59 322.52 69 73.39 72.90 175.28 345.91 70 78.86 77.99 188.00 371.35 71 84.78 83.50 201.76 398.88 72 91.18 89.45 216.64 428.64 73 98.06 95.85 232.64 460.63 74 105.45 102.72 249.82 494.99 75 113.33 110.05 268.14 531.63 76 120.59 116.80 285.02 565.39 77 128.20 123.88 302.72 600.78 78 136.34 131.45 321.64 638.63 79 145.17 139.66 342.17 679.69 80 154.70 148.52 364.33 724.01 *See Page 14 for details. Female Standard Non-Tobacco Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 18 5.85 10.09 18.25 31.85 45.45 59.06 72.66 86.26 19 6.09 10.31 18.81 32.97 47.13 61.29 75.45 89.61 20 6.34 10.55 19.39 34.13 48.87 63.61 78.35 93.09 21 6.60 10.79 20.00 35.34 50.69 66.03 81.38 96.72 22 6.87 11.04 20.62 36.60 52.57 68.54 84.51 100.49 23 7.15 11.30 21.27 37.90 54.52 71.15 87.77 104.39 24 7.45 11.58 21.97 39.29 56.61 73.94 91.26 108.58 25 7.77 11.88 22.72 40.78 58.85 76.91 94.98 113.04 26 8.07 12.16 23.41 42.18 60.94 79.70 98.46 117.23 27 8.38 12.44 24.13 43.62 63.10 82.58 102.07 121.55 28 8.71 12.75 24.90 45.15 65.40 85.65 105.90 126.15 29 9.04 13.06 25.67 46.69 67.70 88.72 109.74 130.76 30 9.40 13.39 26.51 48.36 70.22 92.07 113.93 135.78 31 9.78 13.75 27.39 50.13 72.87 95.60 118.34 141.08 32 10.17 14.11 28.30 51.94 75.59 99.23 122.88 146.52 33 10.58 14.49 29.25 53.85 78.45 103.04 127.64 152.24 34 11.00 14.88 30.23 55.80 81.38 106.95 132.53 158.10 35 11.45 15.30 31.27 57.89 84.51 111.14 137.76 164.38 36 11.95 15.76 32.43 60.22 88.00 115.79 143.57 171.35 37 12.49 16.27 33.69 62.73 91.77 120.81 149.85 178.89 38 13.05 16.79 34.99 65.33 95.67 126.02 156.36 186.70 39 13.62 17.32 36.32 67.98 99.65 131.32 162.98 194.65 40 14.23 17.88 37.73 70.82 103.90 136.99 170.07 203.16 41 14.87 18.48 39.22 73.80 108.37 142.94 177.51 212.09 42 15.53 19.09 40.76 76.86 112.97 149.08 185.19 221.29 43 16.23 19.74 42.38 80.12 117.85 155.59 193.32 231.06 44 16.96 20.42 44.08 83.51 122.95 162.38 201.81 241.24 45 17.73 21.14 45.87 87.09 128.32 169.54 210.76 251.98 46 18.40 21.76 47.43 90.21 132.99 175.77 218.55 261.33 47 19.09 22.40 49.03 93.42 137.80 182.19 226.57 270.96 48 19.82 23.08 50.73 96.81 142.89 188.98 235.06 281.14 49 20.59 23.80 52.52 100.39 148.27 196.14 244.01 291.88 50 21.38 24.53 54.36 104.07 153.78 203.48 253.19 302.90 51 22.22 25.31 56.31 107.97 159.63 211.30 52 23.10 26.13 58.36 112.07 165.77 219.48 53 24.02 26.99 60.50 116.34 172.19 228.04 54 24.98 27.88 62.73 120.81 178.89 236.96 55 26.25 29.06 65.68 126.71 187.74 248.78 56 27.38 30.11 68.31 131.97 195.63 259.28 57 28.57 31.22 71.08 137.50 203.93 270.35 58 29.83 32.39 74.00 143.36 212.71 282.07 59 31.18 33.65 77.14 149.64 222.13 294.62 60 32.59 34.96 80.42 156.19 231.97 307.74 61 34.11 36.37 83.96 163.26 62 35.70 37.85 87.65 170.66 63 37.38 39.41 91.56 178.47 64 39.16 41.07 95.70 186.74 65 41.00 42.78 99.98 195.30 66 43.71 45.30 106.28 207.90 67 46.22 47.63 112.11 219.57 68 48.95 50.17 118.46 232.27 69 51.92 52.94 125.36 246.08 70 55.16 55.95 132.90 261.14 71 58.70 59.24 141.13 277.61 72 62.54 62.81 150.06 295.46 73 66.68 66.66 159.68 314.71 74 71.14 70.81 170.05 335.45 75 75.90 75.24 181.12 357.59 76 80.72 79.72 192.32 380.00 77 85.94 84.57 204.46 404.27 78 91.66 89.89 217.76 430.87 79 98.77 96.51 234.29 463.93 80 106.63 103.82 252.56 500.48 10

Provider Simplified Whole Life For all face amounts, available optional benefits & riders:* Waiver of Premium Child Rider For face amounts of $25,000 or more, no-cost built-in benefits & riders:* Common Carrier Accidental Death Benefit Rider Life-Threatening Cancer Accelerated Benefit Rider Charitable Gift Donation Benefit Male Standard Tobacco Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 18 8.43 12.49 24.25 43.85 63.45 83.05 102.65 122.25 19 8.74 12.78 24.97 45.29 65.61 85.93 106.25 126.57 20 9.07 13.09 25.74 46.83 67.91 89.00 110.09 131.18 21 9.42 13.41 26.55 48.45 70.35 92.26 114.16 136.06 22 9.77 13.74 27.37 50.08 72.80 95.51 118.23 140.94 23 10.16 14.10 28.27 51.89 75.52 99.14 122.76 146.38 24 10.57 14.48 29.23 53.80 78.38 102.95 127.53 152.10 25 11.00 14.88 30.23 55.80 81.38 106.95 132.53 158.10 26 11.48 15.33 31.34 58.03 84.72 111.41 138.11 164.80 27 11.98 15.79 32.50 60.36 88.21 116.06 143.92 171.77 28 12.51 16.28 33.74 62.82 91.91 120.99 150.08 179.16 29 13.07 16.81 35.04 65.43 95.81 126.20 156.59 186.98 30 13.65 17.34 36.39 68.12 99.86 131.60 163.33 195.07 31 14.26 17.91 37.80 70.96 104.11 137.27 170.42 203.58 32 14.90 18.51 39.29 73.94 108.58 143.22 177.86 212.51 33 15.57 19.13 40.85 77.05 113.25 149.45 185.65 221.85 34 16.27 19.78 42.48 80.31 118.13 155.96 193.79 231.62 35 17.00 20.46 44.18 83.70 123.23 162.75 202.28 241.80 36 17.85 21.25 46.15 87.65 129.15 170.66 212.16 253.66 37 18.75 22.09 48.24 91.84 135.43 179.03 222.62 266.21 38 19.70 22.97 50.45 96.26 142.06 187.86 233.66 279.47 39 20.70 23.90 52.78 100.91 149.03 197.16 245.29 293.42 40 21.76 24.89 55.24 105.83 156.43 207.02 257.61 308.20 41 22.86 25.91 57.80 110.95 164.10 217.25 270.40 323.55 42 24.04 27.01 60.54 116.44 172.33 228.22 284.12 340.01 43 25.29 28.17 63.45 122.25 181.05 239.85 298.65 357.45 44 26.61 29.40 66.52 128.39 190.25 252.12 313.99 375.86 45 28.00 30.69 69.75 134.85 199.95 265.05 330.15 395.25 46 29.43 32.02 73.07 141.50 209.92 278.35 346.77 415.20 47 30.94 33.42 76.59 148.52 220.46 292.39 364.33 436.26 48 32.53 34.90 80.28 155.91 231.55 307.18 382.81 458.44 49 34.22 36.47 84.21 163.77 243.33 322.90 402.46 482.02 50 36.01 38.14 88.37 172.10 255.82 339.54 423.27 506.99 51 37.89 39.89 92.74 180.84 268.93 357.03 52 39.89 41.75 97.39 190.14 282.88 375.63 53 41.98 43.69 102.25 199.86 297.46 395.06 54 44.20 45.76 107.42 210.18 312.95 415.71 55 47.00 48.36 113.93 223.20 332.48 441.75 56 49.82 50.98 120.48 236.31 352.14 467.98 57 52.82 53.77 127.46 250.26 373.07 495.88 58 56.00 56.73 134.85 265.05 395.25 525.45 59 59.41 59.90 142.78 280.91 419.03 557.16 60 63.02 63.26 151.17 297.69 444.21 590.74 61 66.89 66.86 160.17 315.69 62 71.02 70.70 169.77 334.89 63 75.41 74.78 179.98 355.31 64 80.07 79.12 190.81 376.98 65 85.00 83.70 202.28 399.90 66 92.16 90.36 218.92 433.19 67 99.08 96.79 235.01 465.37 68 106.58 103.77 252.45 500.25 69 114.76 111.38 271.47 538.28 70 123.64 119.64 292.11 579.58 71 133.28 128.60 314.53 624.40 72 143.71 138.30 338.78 672.90 73 154.98 148.78 364.98 725.31 74 167.08 160.03 393.11 781.57 75 180.00 172.05 423.15 841.65 76 191.53 182.77 449.96 895.26 77 203.61 194.01 478.04 951.44 78 216.59 206.08 508.22 1,011.79 79 230.60 219.11 540.80 1,076.94 80 245.72 233.17 575.95 1,147.25 *See page 14 for details. Female Standard Tobacco Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 18 7.91 12.01 23.04 41.43 59.82 78.21 96.60 114.99 19 8.23 12.30 23.78 42.92 62.05 81.19 100.32 119.46 20 8.57 12.62 24.58 44.50 64.43 84.35 104.28 124.20 21 8.92 12.95 25.39 46.13 66.87 87.61 108.35 129.08 22 9.29 13.29 26.25 47.85 69.45 91.05 112.65 134.25 23 9.67 13.64 27.13 49.62 72.10 94.58 117.06 139.55 24 10.07 14.02 28.06 51.48 74.89 98.30 121.71 145.13 25 10.50 14.42 29.06 53.48 77.89 102.30 126.71 151.13 26 10.91 14.80 30.02 55.38 80.75 106.11 131.48 156.84 27 11.33 15.19 30.99 57.33 83.68 110.02 136.36 162.70 28 11.78 15.61 32.04 59.43 86.82 114.20 141.59 168.98 29 12.24 16.03 33.11 61.57 90.02 118.48 146.94 175.40 30 12.72 16.48 34.22 63.80 93.37 122.95 152.52 182.09 31 13.23 16.95 35.41 66.17 96.93 127.69 158.45 189.21 32 13.76 17.45 36.64 68.63 100.63 132.62 164.61 196.60 33 14.32 17.97 37.94 71.24 104.53 137.83 171.12 204.41 34 14.89 18.50 39.27 73.89 108.51 143.13 177.75 212.37 35 15.50 19.07 40.69 76.73 112.76 148.80 184.84 220.88 36 16.18 19.70 42.27 79.89 117.51 155.12 192.74 230.36 37 16.91 20.38 43.97 83.28 122.60 161.91 201.23 240.54 38 17.66 21.07 45.71 86.77 127.83 168.89 209.95 251.01 39 18.45 21.81 47.55 90.44 133.34 176.24 219.13 262.03 40 19.28 22.58 49.48 94.30 139.13 183.95 228.78 273.61 41 20.13 23.37 51.45 98.25 145.06 191.86 238.66 285.46 42 21.03 24.21 53.54 102.44 151.33 200.23 249.12 298.02 43 21.97 25.08 55.73 106.81 157.89 208.97 260.05 311.13 44 22.96 26.00 58.03 111.41 164.80 218.18 271.56 324.94 45 24.00 26.97 60.45 116.25 172.05 227.85 283.65 339.45 46 25.02 27.92 62.82 120.99 179.16 237.34 295.51 353.68 47 26.08 28.90 65.29 125.92 186.56 247.19 307.83 368.47 48 27.19 29.94 67.87 131.08 194.30 257.52 320.73 383.95 49 28.36 31.02 70.59 136.52 202.46 268.40 334.34 400.27 50 29.58 32.16 73.42 142.20 210.97 279.74 348.52 417.29 51 30.87 33.36 76.42 148.20 219.97 291.74 52 32.21 34.61 79.54 154.43 229.31 304.20 53 33.61 35.91 82.79 160.94 239.08 317.22 54 35.08 37.27 86.21 167.77 249.33 330.89 55 37.00 39.06 90.68 176.70 262.73 348.75 56 38.74 40.68 94.72 184.79 274.86 364.93 57 40.60 42.41 99.05 193.44 287.84 382.23 58 42.57 44.24 103.63 202.60 301.58 400.55 59 44.66 46.18 108.48 212.32 316.15 419.99 60 46.88 48.25 113.65 222.64 331.64 440.63 61 49.24 50.44 119.13 233.62 62 51.73 52.76 124.92 245.19 63 54.35 55.20 131.01 257.38 64 57.11 57.76 137.43 270.21 65 60.00 60.45 144.15 283.65 66 64.20 64.36 153.92 303.18 67 68.13 68.01 163.05 321.45 68 72.42 72.00 173.03 341.40 69 77.08 76.33 183.86 363.07 70 82.19 81.09 195.74 386.83 71 87.76 86.27 208.69 412.73 72 93.80 91.88 222.74 440.82 73 100.37 97.99 238.01 471.37 74 107.45 104.58 254.47 504.29 75 115.00 111.60 272.03 539.40 76 122.32 118.41 289.04 573.44 77 130.22 125.75 307.41 610.17 78 138.87 133.80 327.52 650.40 79 149.67 143.84 352.63 700.62 80 161.57 154.91 380.30 755.95 11

Provider Simplified Whole Life Preferred Rate Class: Available for those who qualify. Non-tobacco clients only. Discounted premium. Least expensive rates. Modal Factors: Semi-annual:.530 Quarterly:.270 Monthly PAC:.093 Direct Monthly Bill:.099 Male Preferred Non-Tobacco Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 18 5.60 9.86 17.67 30.69 43.71 56.73 69.75 82.77 19 5.81 10.05 18.16 31.67 45.17 58.68 72.19 85.70 20 6.02 10.25 18.65 32.64 46.64 60.64 74.63 88.63 21 6.26 10.47 19.20 33.76 48.31 62.87 77.42 91.98 22 6.48 10.68 19.72 34.78 49.85 64.91 79.98 95.05 23 6.74 10.92 20.32 35.99 51.66 67.33 83.00 98.67 24 7.01 11.17 20.95 37.25 53.54 69.84 86.14 102.44 25 7.30 11.44 21.62 38.60 55.57 72.54 89.51 106.49 26 7.61 11.73 22.34 40.04 57.73 75.42 93.12 110.81 27 7.94 12.03 23.11 41.57 60.03 78.49 96.95 115.41 28 8.29 12.36 23.92 43.20 62.47 81.75 101.02 120.30 29 8.65 12.69 24.76 44.87 64.98 85.10 105.21 125.32 30 9.04 13.06 25.67 46.69 67.70 88.72 109.74 130.76 31 9.44 13.43 26.60 48.55 70.49 92.44 114.39 136.34 32 9.86 13.82 27.57 50.50 73.42 96.35 119.27 142.20 33 10.30 14.23 28.60 52.55 76.49 100.44 124.39 148.34 34 10.75 14.65 29.64 54.64 79.63 104.63 129.62 154.61 35 11.23 15.09 30.76 56.87 82.98 109.09 135.20 161.31 36 11.78 15.61 32.04 59.43 86.82 114.20 141.59 168.98 37 12.36 16.14 33.39 62.12 90.86 119.60 148.34 177.07 38 12.97 16.71 34.81 64.96 95.12 125.27 155.43 185.58 39 13.62 17.32 36.32 67.98 99.65 131.32 162.98 194.65 40 14.29 17.94 37.87 71.10 104.32 137.55 170.77 204.00 41 15.00 18.60 39.53 74.40 109.28 144.15 179.03 213.90 42 15.76 19.31 41.29 77.93 114.58 151.22 187.86 224.50 43 16.56 20.05 43.15 81.65 120.16 158.66 197.16 235.66 44 17.41 20.84 45.13 85.61 126.08 166.56 207.04 247.52 45 18.30 21.67 47.20 89.75 132.29 174.84 217.39 259.94 46 19.15 22.46 49.17 93.70 138.22 182.75 227.27 271.79 47 20.05 23.30 51.27 97.88 144.50 191.12 237.73 284.35 48 21.01 24.19 53.50 102.35 151.19 200.04 248.89 297.74 49 22.01 25.12 55.82 107.00 158.17 209.34 260.52 311.69 50 23.07 26.11 58.29 111.93 165.56 219.20 272.84 326.48 51 24.18 27.14 60.87 117.09 173.31 229.52 52 25.36 28.23 63.61 122.57 181.54 240.50 53 26.60 29.39 66.50 128.34 190.19 252.03 54 27.89 30.59 69.49 134.34 199.18 264.03 55 29.55 32.13 73.35 142.06 210.76 279.47 56 31.07 33.55 76.89 149.13 221.36 293.60 57 32.69 35.05 80.65 156.66 232.66 308.67 58 34.38 36.62 84.58 164.52 244.45 324.38 59 36.19 38.31 88.79 172.93 257.08 341.22 60 38.10 40.08 93.23 181.82 270.40 358.98 61 40.13 41.97 97.95 191.25 62 42.28 43.97 102.95 201.25 63 44.56 46.09 108.25 211.85 64 46.96 48.32 113.83 223.01 65 49.50 50.69 119.74 234.83 66 53.51 54.41 129.06 253.47 67 57.36 57.99 138.01 271.37 68 61.52 61.86 147.68 290.72 69 66.05 66.08 158.22 311.78 70 70.97 70.65 169.66 334.66 71 76.30 75.61 182.05 359.45 72 82.06 80.97 195.44 386.23 73 88.25 86.72 209.83 415.01 74 94.91 92.92 225.32 445.98 75 102.00 99.51 241.80 478.95 76 108.53 105.58 256.98 509.31 77 115.38 111.95 272.91 541.17 78 122.71 118.77 289.95 575.25 79 130.65 126.15 308.41 612.17 80 139.23 134.13 328.36 652.07 Female Preferred Non-Tobacco Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 18 5.27 9.55 16.90 29.16 41.41 53.66 65.91 78.17 19 5.48 9.75 17.39 30.13 42.87 55.61 68.36 81.10 20 5.71 9.96 17.93 31.20 44.48 57.75 71.03 84.30 21 5.94 10.17 18.46 32.27 46.08 59.89 73.70 87.51 22 6.18 10.40 19.02 33.39 47.76 62.12 76.49 90.86 23 6.44 10.64 19.62 34.60 49.57 64.54 79.52 94.49 24 6.71 10.89 20.25 35.85 51.45 67.05 82.65 98.25 25 6.99 11.15 20.90 37.15 53.41 69.66 85.91 102.16 26 7.26 11.40 21.53 38.41 55.29 72.17 89.05 105.93 27 7.54 11.66 22.18 39.71 57.24 74.77 92.30 109.83 28 7.84 11.94 22.88 41.11 59.33 77.56 95.79 114.02 29 8.14 12.22 23.58 42.50 61.43 80.35 99.28 118.20 30 8.46 12.52 24.32 43.99 63.66 83.33 103.00 122.67 31 8.80 12.83 25.11 45.57 66.03 86.49 106.95 127.41 32 9.15 13.16 25.92 47.20 68.47 89.75 111.02 132.29 33 9.52 13.50 26.78 48.92 71.05 93.19 115.32 137.45 34 9.90 13.86 27.67 50.69 73.70 96.72 119.74 142.76 35 10.30 14.23 28.60 52.55 76.49 100.44 124.39 148.34 36 10.76 14.66 29.67 54.68 79.70 104.72 129.74 154.75 37 11.24 15.10 30.78 56.92 83.05 109.18 135.32 161.45 38 11.75 15.58 31.97 59.29 86.61 113.93 141.24 168.56 39 12.26 16.05 33.15 61.66 90.16 118.67 147.17 175.68 40 12.81 16.56 34.43 64.22 94.00 123.78 153.57 183.35 41 13.38 17.09 35.76 66.87 97.98 129.08 160.19 191.30 42 13.98 17.65 37.15 69.66 102.16 134.66 167.17 199.67 43 14.61 18.24 38.62 72.59 106.55 140.52 174.49 208.46 44 15.26 18.84 40.13 75.61 111.09 146.57 182.05 217.53 45 15.96 19.49 41.76 78.86 115.97 153.08 190.19 227.29 46 16.56 20.05 43.15 81.65 120.16 158.66 197.16 235.66 47 17.18 20.63 44.59 84.54 124.48 164.42 204.37 244.31 48 17.84 21.24 46.13 87.61 129.08 170.56 212.04 253.52 49 18.53 21.88 47.73 90.81 133.90 176.98 220.06 263.14 50 19.24 22.54 49.38 94.12 138.85 183.58 228.32 273.05 51 20.00 23.25 51.15 97.65 144.15 190.65 52 20.79 23.98 52.99 101.32 149.66 198.00 53 21.62 24.76 54.92 105.18 155.45 205.72 54 22.48 25.56 56.92 109.18 161.45 213.71 55 23.63 26.63 59.59 114.53 169.47 224.41 56 24.64 27.57 61.94 119.23 176.51 233.80 57 25.71 28.56 64.43 124.20 183.98 243.75 58 26.85 29.62 67.08 129.50 191.93 254.36 59 28.06 30.75 69.89 135.13 200.37 265.61 60 29.33 31.93 72.84 141.03 209.23 277.42 61 30.70 33.20 76.03 147.41 62 32.13 34.53 79.35 154.05 63 33.64 35.94 82.86 161.08 64 35.24 37.42 86.58 168.52 65 36.90 38.97 90.44 176.24 66 39.34 41.24 96.12 187.58 67 41.60 43.34 101.37 198.09 68 44.06 45.63 107.09 209.53 69 46.73 48.11 113.30 221.94 70 49.64 50.82 120.06 235.48 71 52.83 53.78 127.48 250.31 72 56.29 57.00 135.52 266.40 73 60.01 60.46 144.17 283.70 74 64.03 64.20 153.52 302.39 75 68.31 68.18 163.47 322.29 76 72.65 72.21 173.56 342.47 77 77.35 76.59 184.49 364.33 78 82.49 81.37 196.44 388.23 79 88.89 87.32 211.32 417.99 80 95.97 93.90 227.78 450.91 12

Provider Simplified Whole Life For Juveniles Ages: 0-17 (age nearest) Policy Fee: $50 (commissionable) No-cost built-in Guaranteed Insurability Benefit Rider for all face amounts for issue ages 0-17.* Male Juvenile Female Juvenile Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 0 3.67 8.06 13.18 21.72 30.25 38.78 47.31 55.85 1 3.81 8.19 13.51 22.37 31.22 40.08 48.94 57.80 2 3.95 8.32 13.83 23.02 32.20 41.39 50.57 59.75 3 4.09 8.45 14.16 23.67 33.18 42.69 52.20 61.71 4 4.24 8.59 14.51 24.37 34.22 44.08 53.94 63.80 5 4.40 8.74 14.88 25.11 35.34 45.57 55.80 66.03 6 4.57 8.90 15.28 25.90 36.53 47.15 57.78 68.40 7 4.73 9.05 15.65 26.64 37.64 48.64 59.64 70.63 8 4.90 9.21 16.04 27.44 38.83 50.22 61.61 73.01 9 5.06 9.36 16.41 28.18 39.94 51.71 63.47 75.24 10 5.23 9.51 16.81 28.97 41.13 53.29 65.45 77.61 11 5.39 9.66 17.18 29.71 42.25 54.78 67.31 79.84 12 5.56 9.82 17.58 30.50 43.43 56.36 69.29 82.21 13 5.72 9.97 17.95 31.25 44.55 57.85 71.15 84.44 14 5.89 10.13 18.34 32.04 45.73 59.43 73.12 86.82 15 6.05 10.28 18.72 32.78 46.85 60.92 74.98 89.05 16 6.11 10.33 18.86 33.06 47.27 61.47 75.68 89.88 17 6.16 10.38 18.97 33.29 47.62 61.94 76.26 90.58 *See page 14 for details. Age $1,000 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 0 3.67 8.06 13.18 21.72 30.25 38.78 47.31 55.85 1 3.81 8.19 13.51 22.37 31.22 40.08 48.94 57.80 2 3.95 8.32 13.83 23.02 32.20 41.39 50.57 59.75 3 4.09 8.45 14.16 23.67 33.18 42.69 52.20 61.71 4 4.23 8.58 14.48 24.32 34.15 43.99 53.82 63.66 5 4.37 8.71 14.81 24.97 35.13 45.29 55.45 65.61 6 4.51 8.84 15.14 25.62 36.11 46.59 57.08 67.56 7 4.64 8.97 15.44 26.23 37.01 47.80 58.59 69.38 8 4.78 9.10 15.76 26.88 37.99 49.10 60.22 71.33 9 4.91 9.22 16.07 27.48 38.90 50.31 61.73 73.14 10 5.05 9.35 16.39 28.13 39.87 51.62 63.36 75.10 11 5.19 9.48 16.72 28.78 40.85 52.92 64.98 77.05 12 5.32 9.60 17.02 29.39 41.76 54.13 66.50 78.86 13 5.46 9.73 17.34 30.04 42.73 55.43 68.12 80.82 14 5.59 9.85 17.65 30.64 43.64 56.64 69.63 82.63 15 5.73 9.98 17.97 31.29 44.62 57.94 71.26 84.58 16 5.77 10.02 18.07 31.48 44.90 58.31 71.73 85.14 17 5.81 10.05 18.16 31.67 45.17 58.68 72.19 85.70 13

Express Whole Life Benefits/Riders: Simplified Graded Benefit Whole Life No-Cost Benefits (for face amounts of $10,000 or more): Identity Theft Waiver of Premium Rider: premiums waived for three months if the Insured experiences identity theft. Rider terminates at the earliest of the date the rider is exercised or the date the policy is continued under a non-forfeiture option.* Hospital Stay Waiver of Premium Rider: premiums waived for three months if the Insured is confined to a licensed hospital for 20 continuous days (or more). Rider terminates at the earliest of the date the rider is exercised or the date the policy is continued under a non-forfeiture option.* Common Carrier Accidental Death Benefit Rider: An additional benefit is payable if death is due to an accident while riding on public transportation as a fare-paying passenger. Rider terminates if requested in writing or the date the policy is continued under a non-forfeiture option.* Express Deluxe and Express Premier Benefits/Riders: Simplified Whole Life Child Rider: provides coverage for children issue ages 30 days 18 years (age last). Sold in units of $5,000 (max 4 units); premium is $25 per unit. Child must be insurable. Separate application required. Fully convertible prior to child s attained age 21 (or date rider terminates, if earlier) without evidence of insurability. Child Rider can be added to a grandparent s base policy only if the child has been legally adopted by the grandparent. Rider terminates if requested in writing, the date the policy is continued under a non forfeiture option, if the policy is at the end of its premium paying period, or on the anniversary at the insured s attained age 65. While the rider is in force, insurance on any child terminates on the child s 21st birthday.* Accidental Death Benefit: issue ages 20-60 (age nearest). Provides a benefit in addition to the base policy benefit payable should the Insured die by accidental bodily injury independent of all other causes, provided death occurs within 90 days of such injury. Not covered: war or any act attributable to war; riot participation; suicide; bodily or mental infirmity of any kind; committing or attempting to commit an assault or a felony; voluntary ingestion of poison, drug or sedative or asphyxiation from inhalation of gas; while being transported on any kind of aircraft unless solely as a passenger without any duties whatsoever. See page 15 for rates per thousand. Rider terminates at the earliest of the policy anniversary nearest the Insured s 70th birthday, the date the policy is continued under a non-forfeiture option, or if requested in writing.* Provider Benefits/Riders: Simplified Whole Life No-Cost Guaranteed Insurability Benefit Rider: built into policy for all face amounts for issue ages 0 17. Guarantees the right to purchase additional life insurance in an amount up to the base policy face amount on the option date, without evidence of insurability. Option date: policy anniversary nearest Insured s 25th birthday. Rider terminates if requested in writing, on the date the policy is continued under a non-forfeiture option, or on the policy anniversary at the Insured s attained age 25.* Total and Permanent Disability Benefit (Waiver of Premium): premiums waived during total and permanent disability up to the policy anniversary nearest the Insured s 60th birthday. See page 15 for rates per thousand. Rider terminates if requested in writing, on the date the policy is continued under a non-forfeiture option, or on the policy anniversary nearest the Insured s attained age 60.* Child Rider: provides coverage for children issue ages 30 days 18 years (age last). Sold in units of $5,000 (max is 4 units); premium is $25 per unit. Child must be insurable. Separate application required. Fully convertible prior to child s attained age 21 (or date rider terminates, if earlier) without evidence of insurability. Child Rider can be added to a grandparent s base policy only if the child has been legally adopted by the grandparent. Rider terminates if requested in writing, the date the policy is continued under a nonforfeiture option, if the policy is at the end of its premium paying period, or on the anniversary at the insured s attained age 65. While the rider is in force, insurance on any child terminates on the child s 21st birthday.* No-Cost Common Carrier Accidental Death Benefit Rider (for face amounts of $25,000 or more): pays an additional benefit equal to the base policy face amount if the Insured s death is due to accidental bodily injury while riding as a fare-paying passenger on any public transportation. Rider terminates if requested in writing or the date the policy is continued under a non-forfeiture option.* No-Cost Life-Threatening Cancer Accelerated Benefit Rider (for face amounts of $25,000 or more): advances the policyowner up to 10% of the death benefit of the policy if the Insured is diagnosed with life-threatening cancer where death is likely within five years as determined by an independent oncologist. Rider terminates if requested in writing, the date the policy is continued under a nonforfeiture option, or the date the rider benefit is paid.* No-Cost Charitable Gift Donation Benefit (for face amounts of $25,000 or more): provides an additional 1% of the base policy face amount that will be paid to a charity chosen by the policyowner upon the death of the Insured. If no charity is chosen, the 1% benefit will be paid to the American Red Cross. No-Cost Terminal Illness Accelerated Benefit Rider: provides the policyowner with the right to access the policy s death benefit (discounted at interest for one year) on the life of the Insured if the Insured is diagnosed with a life expectancy of 12 months or less.* *All riders and benefits terminate at the earliest of policy termination, the death of the Insured, policy expiry or maturity, or if the policy premium (including rider premium if any) is not paid by the end of the grace period. 14

Rider/Benefit Premium Rates Waiver of Premium: Male Rates Per Thousand Female Rates Per Thousand Preferred NT Non-Tobacco Tobacco Age Preferred NT Non-Tobacco Tobacco 0.19 0.20 0.22 18 0.19 0.21 0.22 0.19 0.20 0.22 19 0.19 0.21 0.22 0.20 0.21 0.24 20 0.21 0.21 0.23 0.21 0.22 0.25 21 0.22 0.22 0.25 0.21 0.22 0.26 22 0.22 0.22 0.25 0.22 0.23 0.27 23 0.23 0.24 0.26 0.23 0.24 0.28 24 0.24 0.25 0.28 0.24 0.25 0.29 25 0.25 0.26 0.29 0.25 0.26 0.31 26 0.26 0.27 0.30 0.27 0.27 0.32 27 0.28 0.28 0.31 0.28 0.28 0.34 28 0.29 0.30 0.33 0.30 0.31 0.36 29 0.30 0.31 0.34 0.32 0.33 0.39 30 0.31 0.32 0.36 0.34 0.35 0.41 31 0.32 0.33 0.39 0.36 0.37 0.43 32 0.34 0.35 0.41 0.38 0.39 0.45 33 0.36 0.38 0.43 0.40 0.41 0.49 34 0.38 0.40 0.46 0.42 0.43 0.51 35 0.41 0.42 0.49 0.45 0.46 0.54 36 0.43 0.44 0.53 0.48 0.50 0.59 37 0.46 0.48 0.57 0.51 0.53 0.63 38 0.50 0.52 0.61 0.56 0.57 0.68 39 0.53 0.55 0.66 0.60 0.62 0.73 40 0.57 0.59 0.70 0.65 0.67 0.80 41 0.61 0.63 0.77 0.70 0.73 0.88 42 0.66 0.68 0.84 0.76 0.78 0.95 43 0.72 0.74 0.91 0.83 0.86 1.03 44 0.77 0.80 1.00 0.89 0.92 1.12 45 0.83 0.86 1.10 0.97 1.00 1.23 46 0.88 0.91 1.18 1.05 1.08 1.36 47 0.95 0.99 1.28 1.16 1.19 1.51 48 1.04 1.07 1.40 1.29 1.33 1.69 49 1.14 1.18 1.54 1.44 1.48 1.90 50 1.25 1.29 1.71 1.60 1.66 2.16 51 1.38 1.43 1.91 1.79 1.85 2.45 52 1.52 1.57 2.15 2.00 2.07 2.78 53 1.68 1.74 2.38 2.23 2.31 3.14 54 1.86 1.92 2.66 2.50 2.58 3.56 55 2.06 2.13 2.98 Child Rider: $25 annually per unit of $5,000 (max rider face = 4 units) Accidental Death Benefit: Age Nearest Thousand 20-32 $1.25 33-45 $1.50 46-56 $1.75 57-60 $2.00 15

Modal Factors For All Plans: Semi-annual:.530 Quarterly:.270 Monthly PAC:.093 Direct Monthly Bill:.099 Minimum Modal Premium: $20 (unless premiums paid via EFT) Policy Fee For All Whole Life Plans: $50 annually (commissionable) Premium Calculation Examples: El Deluxe 55 M NT $10,000 face $5,000 CR PAC El Premier 40 M T $45,000 face $45,000 ADB Dir Monthly Provider 35 F NT Pref $100,000 face WP $20,000 CR Quarterly $43.54 Rate/1,000 $26.15 Rate/1,000 $10.30 Rate/1,000 x 10.00 Face/1,000 + 1.50 ABD Rate +.41 WP Rate $435.40 $27.65 $10.71 + 25.00 1 Unit CR x 45 Face/1,000 x 100 Face/1,000 + 50.00 Policy Fee $1.244.25 $1,071 $510.40 + 50.00 Policy Fee + 100 4 Units CR x.093 Mode Factor $1,294.25 + 50.00 Policy Fee $47.47 PAC x.099 Mode Factor $1,221 $128.13 Dir Monthly x.270 Mode Factor $329.67 Quarterly What can I buy? Premium Requested: $67.00 Product: EI Premier Sex: Female Age: 67 Nicotine: No Payment Mode: PAC (.093) Policy Fee: $50 Rate per $1,000: 44.60 Face Amount Calculation Example: Step 1: Premium Requested $67.00 Step 2: Divide by modal factor.093 67.093 = 720.4301 Step 3: Subtract policy fee 720.4301 $50 = 670.4301 Step 4: Divide by rate per thousand 670.4301 44.60 = 15.032 Step 5: Multiply by $1,000 15.032 x 1,000 = 15,032 Face Amount Result: $15,032 16

Simplified Underwriting For all simplified-issue whole life products, a Personal History Interview (PHI) is required. Know Before You Go Application Process: Let your client know what to expect: Purpose: to review information on application. Typically takes 10-15 minutes. Discussion includes medical history, name of physician, and other pertinent information from app. Remind client to be forthcoming and honest in answering interviewer questions. You, as the agent, initiate a Personal History Interview (PHI) from your client s home by calling 866-333-6557. Tell the operator the interview is for UHL/UFFL and for the appropriate simplified issue whole life product (Express Whole Life, Express Deluxe, Express Premier, or Provider). Hand the phone to your client, who must complete the interview without coaching or help from others. During the call, the interviewer conducts MIB and IntelliScript prescription drug history searches. When the client is finished with the interview, he/she will be asked to hand the phone back to you. Based on the client s answers to the questions, and the MIB and prescription drug database searches, the interviewer will tell you whether or not the application should be submitted to the Home Office. PHI Hours: 8:30 a.m. 8:30 p.m. regardless of time zone. If the PHI is not done at the time the application is taken, the Home Office will order it. MIB, Inc: (formerly the Medical Information Bureau) Maintains and safeguards a record on almost everyone who has applied for life, health, critical illness disability or longterm care insurance within the past seven (7) years. Records contain information of underwriting significance (medical and avocation information) about consumers who have applied for life and health insurance with MIB member companies. Consumers may request a free copy of their MIB file by calling 866-692-6901. TTY 866-346-3642 for hearing impaired. UHL/UFFL does not rely solely on MIB reports to determine life insurance eligibility. Milliman IntelliScript: Results include drug name, dosage, fill date, pharmacy and physician information. UHL/UFFL applicants may request a free copy of their Milliman IntelliScript prescription history report by calling 877-211-4816. Male/Female Build Chart For Simplified Whole Life: Weight Cannot Exceed The Following: Height Provider El Premier El Deluxe EIWL 5 0 190 lbs 210 lbs 240 lbs 5 4 215 lbs 240 lbs 270 lbs For applicants outside these ranges, use EIWL 5 8 245 lbs 270 lbs 305 lbs graded benefit plan. 6 0 275 lbs 305 lbs 340 lbs 6 4 305 lbs 340 lbs 385 lbs 17

Non-Tobacco Definition: No nicotine product use for past 12 months. Medical Examinations/Bodily Fluids Testing: no routine exams or lab testing required. 5 UHL/UFFL reserves the right, however, to order such requirements, at the underwriter s discretion. An agent writing life insurance on his/her own life is required to undergo a paramed exam and urinalysis. Approved Paramed Companies: Portamedic, ExamOne, APPS, EMSI Approved Laboratories: LabOne, Clinical Reference Lab Foreign Nationals: Applications accepted on individuals who are not naturalized US citizens provided they are here legally and on a permanent basis. Must possess a social security number, a valid Visa or Green Card, and have resided in the US for the past two years. Military Risks: Applications accepted on individuals currently serving in the military in a non-combat unit provided they have not been alerted for combat duty or are not serving in a hazardous area. Complete Military Personnel Financial Services Disclosure and submit with application. Forms: 200-673 (UHL); 18-673 (UFFL). Attending Physician Statements (APS): Based on the applicant s medical history, MIB information or pharmacy report, an APS may be necessary. Agents may be asked to provide the APS at the client s expense. APSs will be accepted only if provided by the physician/medical provider in a sealed envelope or faxed directly from the provider s office. App Submission Tips Cover Memo: Legibly complete all sections, including: Agent information. How app was taken. If PHI was completed. If the policy is to be mailed to the agent or policyowner. Any special instructions. Application: Legibly complete all sections. Do not leave anything blank. Be as descriptive as possible. Clearly check answer boxes. Clearly note product applied for, face amount, payment mode and premium amount. Required signatures include Proposed Insured, Policyowner (if different), and agent. Basic Eligibility Requirement: Proposed Insured required to have an attending physician and to list physician s name and contact information on the application. Premium: Premiums may be paid via check, bank draft or money order. Cash is not accepted. A completed, signed authorization form for bank drafts is required. Must include a pre-printed voided check with app or a completed, signed EFT verification form with bank name, routing and account numbers for the Home Office to draft premiums. Application Receipt/Fair Credit Reporting Act: Completed, signed application receipt is required if premium is collected. The Fair Credit Reporting Act/MIB Notice must be provided to the applicant at the time the application is taken, or if a point-of-sale PHI has been conducted. HIPAA: A completed, signed HIPAA form must accompany all apps submitted to the Home Office. 5 Oral fluids/hiv testing collected by a paramed required for WI applicants. 18

Preferred Underwriting Criteria (only for Provider Whole Life): Standard risks only no ratable conditions. Must have current MD and adequate health care. No current or past treatment for high cholesterol or high blood pressure. No history of mental illness or depression in past 10 years No bankruptcy in past 10 years. No felony or misdemeanor convictions in past 10 years. No family history of death of a parent or sibling from Cardiovascular Disease or Cancer prior to age 60. Must have valid driver s license. No more than two moving violations in past three years. No DUI in past five years. No excessive use of alcohol, history of alcohol abuse or treatment. Not an active member of the military. Must have legally resided in US for the past three years. Must be employable on a full-time basis; cannot be receiving any form of disability compensation. Aviation: No participation as a pilot or crew member in the past two years. No ratable avocation (i.e., racing, scuba diving, mountain climbing, rodeo, sky-diving). Preferred Criteria Ages 66-80 (only for Provider Whole Life): Above criteria plus all of the following: No history of fractures or falls in past 10 years. Must be able to perform Activities of Daily Living (ADL) feeding, bathing, dressing, taking own medications, toileting, transferring with no mobility problems or no artificial assistance for mobility, no functional mobility deficits such as telephone use, shopping, housekeeping and yard work. Must answer an additional set of supplemental health questions during the PHI. Preferred Male/Female Build Chart For Provider Whole Life: Height Weight Height Weight Height Weight Height Weight 4 10 149 lbs 5 4 181 lbs 5 10 214 lbs 6 4 252 lbs 4 11 154 lbs 5 5 186 lbs 5 11 220 lbs 6 5 258 lbs 5 0 161 lbs 5 6 192 lbs 6 0 226 lbs 6 6 265 lbs 5 1 165 lbs 5 7 197 lbs 6 1 233 lbs 6 7 273 lbs 5 2 171 lbs 5 8 203 lbs 6 2 239 lbs 6 8 279 lbs 5 3 177 lbs 5 9 209 lbs 6 3 246 lbs 6 9 286 lbs Supplemental Health Questions For Ages 66-80 (only for Provider Whole Life): All preferred underwriting criteria must be met along with a total of five (5) points from answers to the following questions. Each yes answer is 1 point. Questions will be asked by interviewer during PHI. Does the Proposed Insured exercise a minimum of two days per week, for a total of one hour per week? Does Proposed Insured have a valid driver s license, and still drive? Is the Proposed Insured currently employed for a minimum of 10 hours per week? Does the Proposed Insured currently volunteer for a minimum of two hours per week? Does the Proposed Insured live with a spouse or roommate, or have pet ownership? Does the Proposed Insured participate in recreational travel, hobbies or sports? Does the Proposed Insured handle all financial transactions independently without requiring outside assistance to pay bills and perform normal banking transactions? 19

UHL/UFFL Opportunity More than two decades in the simplified issue market. Quick issue. Initial premium can be drafted. ized 1st-year commissions paid daily. Fully commissionable policy fees. Incentive trips. No-cost marketing materials. Direct monthly bill available. Seasoned underwriters. E & O not required. App can be taken over the phone. App Submission: Fax to: 317-692-7711 Mail to: United Home Life Ins Co. Attn: New Business PO Box 7192 Indianapolis, IN 46207-7192 Overnight: United Home Life Ins Co. Attn: New Business 225 South East Street Indianapolis, IN 46202 317-692-7979 On The Web: Download applications, forms, and marketing materials 24/7. Product training presentations. Track app status. View daily commission activity and monthly commission statements. Online quoting engine. View persistency/placement rates for you and the agents in your hierarchy. Track production for agents in your hierarchy. 20