Final Wishes Advisors: Expert Life Insurance Solutions

Universal

Income Advantage SM Indexed UL	Life Protection Advantage SM Indexed UL	Indexed Universal Life Express®
Income Advantage SM Income Advantage is an indexed universal life policy emphasizing strong cash value1 accumulation. By basing the interest credits on a market index, the client has greater potential for growth than a traditional fixed interest universal life policy. Clients have the opportunity to access the cash value for future needs.View Past Performance and Renewal Rates	Life Protection Advantage SM Life Protection Advantage is an indexed universal life policy emphasizing long-term, affordable death benefit protection along with flexibility for the future. The growth in the policy is typically used to help extend the policy’s death benefit coverage beyond the no-lapse protection period. View Past Performance and Renewal Rates	Indexed Universal Life Express is an indexed universal life policy that provides long-term death benefit protection. It is issued on a simplified underwriting basis, which means your clients can get their policies faster and you can get paid faster. View Past Performance and Renewal Rates
Issue Ages (Age Last Birthday)	0 – 85	0 – 85	18 – 75 18 – 75 (tobacco)
Target Market	individuals looking to accumulate cash to supplement a retirement fund, create an education fund or prepare for financial education fund or prepare for financial emergencies Younger working professionals protecting their families and seeking to save for future expenses Pre-retirees replacing their income for spouse or partner Business owners Desire a policy with flexibility for the future	Individuals with a long-term death benefit need such as income replacement, wealth transfer or estate planning Clients who: Want to lock-in a death benefit that is guaranteed for a meaningful number of years Understand the additional years of death benefit protection they need beyond the no-lapse protection period can be extended on a non-guaranteed basis	Individuals with a long-term death benefit need to protect their family and replace their income should something happen to them Clients who: Understand that coverage beyond the no-lapse period is available on a non-guaranteed basis Desire a policy with flexibility for the future Want their coverage issued quickly without lengthy health inquiries
Face Amounts	$100,000 and up	$100,000 and up	$25,000 – $300,000 (ages 18-50) $25,000 – $250,000 (ages 51-60) $25,000 – $150,000 (ages 61+)
Underwriting Classes	Preferred Plus (nontobacco) Preferred (nontobacco, tobacco) Standard Plus (nontobacco) Standard (nontobacco, tobacco)	Preferred Plus (nontobacco) Preferred (nontobacco, tobacco) Standard Plus (nontobacco) Standard (nontobacco, tobacco)	Standard (nontobacco, tobacco)
Table Rates	Table 1 (A) to 16 (P)	Table 1 (A) to 16 (P)	N/A
Expense Loads	Monthly Policy Fees Current = $5 Guaranteed = $10 Monthly charge per $1,000 of Specified Amount Cost of insurance for the current month Cost of riders for the current monthPremium Charge Current = 4.5% up to the target 3% in excess of the target Guaranteed = 10% of each premium	Monthly Policy Fees Current = $5 Guaranteed = $10 Monthly charge per $1,000 of Specified Amount Cost of insurance for the current month Cost of riders for the current month Premium Charge Current = 4% up to the target 7.5% in excess of the target Guaranteed = 10% of	Monthly Policy Fees Current = $5 Guaranteed = $10 Monthly charge per $1,000 of Specified Amount Cost of insurance for the current month Cost of riders for the current month Premium Charge Current = 4.5% Guaranteed = 10% of each premium
Riders (Some restrictions may apply)	Guaranteed Refund Option* Long-term Care Rider Accelerated Death Benefit for Terminal and Chronic Illness Riders* Lapse GuardSM Rider* Guaranteed Insurability Rider Accidental Death Benefit Rider Disability Continuation of Planned Premium Rider Disability Waiver of Policy Charges Dependent Children’s Rider Additional Insured Term Rider (self and other insured) *Included in the policy	Guaranteed Refund Option* Long-term Care Rider Accelerated Death Benefit for Terminal and Chronic Illness Riders* Lapse GuardSM Rider* Guaranteed Insurability Rider Accidental Death Benefit Rider Disability Continuation of Planned Premium Rider Disability Waiver of Policy Charges Dependent Children’s Rider Additional Insured Term Rider (self and other insured) *Included in the policy	Accelerated Death Benefit for Critical, Terminal and Chronic Illness Riders* Lapse GuardSM Rider* Guaranteed Insurability Rider* Accidental Death Benefit Rider Disability Continuation of Planned Premium Rider Disability Waiver of Policy Charges Dependent Children’s Rider *Included in the policy
Guaranteed Interest Rate	2% on fixed account	2% on fixed account	2% on fixed account
Policy Loans	Standard Loan (Years 1 – 9): Charge 4% (in arrears) Credit 2% Standard Loan (Years 10+): Charge 2% (in arrears) Credit 2% Index Loan Charge: Currently declared rate not to exceed 6% Credit: Based on Index Crediting Strategy Performance	Standard Loan (Years 1 – 9): Charge 4% (in arrears) Credit 2% Standard Loan (Years 10+): Charge 2% (in arrears) Credit 2%Index Loan Charge: Currently declared rate not to exceed 6% Credit: Based on Index Crediting Strategy Performance	Standard Loan (Years 1 – 9): Charge 4% (in arrears) Credit 2% Standard Loan (Years 10+): Charge 2% (in arrears) Credit 2% Index Loan Charge: Currently declared rate not to exceed 6% Credit: Based on Index Crediting Strategy Performance
Partial Withdrawals	Allowed after first policy year, $100 minimum	Allowed after first policy year, $100 minimum	Allowed after first policy year, $100 minimum
No-Lapse Protection	Ages 0 – 75: 10 years Ages 76 – 79: to age 85 Ages 80+: 5 years	Long-Term: Ages 0-79: to age 90 For insureds issue ages 80 and above, a guarantee to age 90 is provided by paying the short-term no-lapse protection premium. Short-Term: Ages 0-79: 10 years Ages 80-85: calculation = (90 minus issue age)	Ages 18 – 60: 20 years Ages 61+: to age 80
Other Product Features	Index crediting strategies Income Advantage has four index crediting strategies: S&P 500® One-Year 100% Participation S&P 500® One-Year High Participation S&P 500® One-Year Uncapped BofA U.S. Agility Index: One-Year Uncapped Index account This account earns an index credit based on an index selection. Fixed account An account that offers the company’s currently declared, nonguaranteed interest rate. Short-term holding account An account where net premiums are initially placed until they can be allocated to the fixed and/or index account on the 10th of the month following the premium payment.	Index crediting strategies Life Protection Advantage has four index crediting strategies: S&P 500® One-Year 100% Participation S&P 500® One-Year High Participation S&P 500® One-Year Uncapped BofA U.S. Agility Index: One-Year Uncapped Index account This account earns an index credit based on an index selection. Fixed account An account that offers the company’s currently declared, nonguaranteed interest rate. Short-term holding account An account where net premiums are initially placed until they can be allocated to the fixed and/or index account on the 10th of the month following the premium payment.	Index crediting strategies IUL Express has four index crediting strategies: S&P 500® One-Year 100% Participation S&P 500® One-Year High Participation S&P 500® One-Year Uncapped BofA U.S. Agility Index: One-Year Uncapped Index account This account earns an index credit based on an index selection. Fixed account An account that offers the company’s currently declared, nonguaranteed interest rate. Short-term holding account An account where net premiums are initially placed until they can be allocated to the fixed and/or index account on the 10th of the month following the premium payment.