Commit to Quit Term Life Product Guide

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1 Commit to Term Life Product Guide

2 According to the Department of Health and Human Services Nearly 1 in 5 adults and teenagers smoke CIGARETTES More than16 MILLION people already have at least one smoking-related disease Smokers are 30% 40% more likely to develop type 2 diabetes than nonsmokers 5.6 MILLION CHILDREN alive today will ultimately die from smoking contain more than 7,000 chemicals & chemical compounds 2.5 MILLION 20 MILLION AMERICANS have died because of smoking since the first Surgeon General s report in of those were nonsmokers who died from secondhand smoke. Sentry Life Insurance Company wants to help reduce the number of smokers and tobacco users. That s why we have developed Commit to Term Life insurance. Commit to Term Life insurance is a modified, decreasing term that offers: Rates that can be substantially less expensive than traditional tobacco user life insurance rates. The ability for the insured to lock in the death benefit by discontinuing tobacco/nicotine product use for at least one year before the eighth year. Sentry Life is licensed in 49 states and has assets exceeding $5 billion, over $270 million in surplus*, and over $5 billion in life insurance coverage inforce. Sentry Life is rated A+ by A.M. Best, the industry s leading rating authority. * Assets and holder surplus as of December 2014.

3 Commit to Agent Product Guide Commit to Term Life offers decreasing benefit term life coverage to age 95, with 15-, 20-, or 30-year level premium options. Issue Limits and Level Premium Periods Issue ages Fully underwritten Premium Bands 1. $100,000 -$249,999 face amount with $100 fee* 2. $250,000 - $499,999 face amount with $70 fee* 3. $500,000 - $999,999 face amount with $70 fee* 4. $1 million and higher face amount with $70 fee* * Policy fees are non-commissionable Level Premium Periods 15, 20, or 30 years Premiums will increase annually after the initial level premium period and are payable to age 95 Conversion Privilege Commit to Term Life is convertible to a permanent life insurance plan, without evidence of insurability. The conversion privilege is available after the first year, but prior to the fifth anniversary. Tobacco Cessation Provision Commit to Term Life offers a provision to prevent the death benefit from decreasing so the death benefit remains level for the remainder of the. In order to qualify for this provision, the insured must be tobacco/nicotine product-free for at least one year. This illustration shows the death benefits and premiums for a male, age 35, rated as a Smoker, with an initial death benefit of $250,000 and a 20-year level premium period. $300,000 $48 $275,000 $47 Death Benefit $250,000 $225,000 $200,000 $175,000 $150,000 first 3 years* the 4th the 5th the 6th the 7th Nonquitter $46 $45 $44 $43 $42 Monthly Premium $125,000 $41 $100,000 $ End of Policy Year Monthly Premium *Must be tobacco/nicotine product-free for at least one year.

4 Included Coverages Accelerated Death Benefit Rider (ACC) The Accelerated Death Benefit Rider is attached to all policies at no additional cost. Upon proof of terminal illness this rider will pay $245,000 or 39.2% of the death benefit at the time of the Accelerated Death Benefit request, whichever is less. Optional Coverages Waiver of Premium Rider (WP) If this rider is purchased, it will waive premium payments if the insured becomes totally disabled for at least six months. Children s Term Life Insurance Rider (CTR) This optional rider, if purchased, will protect the insured s children with term insurance until they turn 25 or get married, whichever comes first. Each child may convert this coverage to permanent insurance, regardless of health. Accidental Death Benefit Rider (ADB) If purchased, this optional rider will provide an additional amount of insurance if the insured dies due to accidental bodily injury. Premium Payment Options Monthly with automatic bank check (EFT) Quarterly, semi-annually, or annually Risk Classes At Issue Tobacco Standard Tobacco Special Tobacco After Exercise of Tobacco Cessation Provision Non-tobacco Standard Non-tobacco Special Non-tobacco Underwriting Knockout Questions: Is the proposed insured currently in Chapter 7 bankruptcy (not discharged), foreclosure, or repossession pending? Is the proposed insured on probation or were they incarcerated in the past five years? Does the proposed insured have a history of alcohol or substance abuse treatment in the past 10 years? Has the proposed insured had a heart attack or stroke in the past five years? Has the proposed insured been told he or she has COPD, emphysema, or is the proposed on oxygen therapy the day or night? Has the proposed insured had two or more DUIs in the past seven years? Is the proposed insured a diabetic taking insulin? Has the proposed insured had cancer of an internal organ or had melanoma (not including melanoma stage 0 and 1A) and had chemotherapy or radiation therapy?

5 Underwriting (continued) Tobacco Guidelines: A user of tobacco (less than one pack per day), or a nicotine replacement user no e-cigarettes No parent or sibling death prior to age 60 due to coronary artery disease, cancer, or diabetes No private aviation, hazardous avocations, or occupations No DUI or reckless driving convictions within the last seven years No more than one moving violation within the last three years No personal history of diabetes No current treatment for anxiety or depression Blood pressure must be 140/85 or less (can be on treatment) Total cholesterol not to exceed 250 with an HDL ratio of 6.0 or less (can be on treatment) Height and weight see Build Chart Standard Tobacco Guidelines: May have a parent or sibling with death or disease due to coronary artery disease, cancer, or diabetes prior to age 60 No DUI or reckless driving convictions within the last five years Two or more moving violations within the last three years Blood pressure greater than 140/85 (can be on treatment) Total cholesterol greater than 250 with an HDL ratio greater than 6.0 (can be on treatment) Height and weight see Build Chart FT IN Male Female Build Chart Male & Female Standard FT IN Male Female Male & Female Standard Contact Us Today! Individual life insurance, group and individual annuities, and group products are issued and administered by Sentry Life Insurance Company, Stevens Point, WI. Policies, coverages, benefits and discounts are not available in New York and in select other states. See for complete coverage details. The information contained in this fact sheet is for illustrative purposes only and is not an indication of future composition or performance. For a complete explanation of premiums after the guarantee period, refer to the illustration /4/15

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