The State Life Insurance Company P. O. Box 6062 Indianapolis, IN
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1 P. O. Box 6062 Indianapolis, IN Life Insurance Illustration Whole Life Insurance with Long-Term Care Benefits for Either or Both Insureds Asset-Care IV Valued Client and Valued Client Presented by: Valued Agent NANM 11/09/ This is not an offer to contract. Page 1 of 12 Version /15/15
2 Asset-Care Supplemental Illustration Overview of Benefits Page Whole Life Asset-Care The Asset-Based Solution for Long-Term Care Valued Client Age: 58 Gender: Male Class: Preferred (Non-smoker) Valued Client Age: 54 Gender: Female Class: Preferred (Non-smoker) $3,573 Base Contract Premium Presented By: Valued Agent Base Policy Long-Term Care ('LTC') Benefit Data: Initial Base Policy Benefits $150, Minimum Base Policy LTC Benefit Period 25 months Initial Monthly Benefit Limit for: Assisted Living $6,000 Home Health Care / Hospice Care $6,000 Long-Term Care Facility $6,000 Adult Day Care $6,000 International Coverage (Facility Only) $3,000 Inflation Option 0% Waiver of Premium Yes Annual Bed Reservation Benefit 31 days per calendar year Annual Respite Care Benefit 21 days per calendar year Caregiver Training Benefit $12,000 Maximum Lifetime Benefit Supportive Equipment Benefit $12,000 Maximum Lifetime Benefit Waiting Period for: Home Health Care Services 30 days Other LTC Services 60 days Optional LTC Continuation of Benefits Rider Data: Rider Premium $1, Annual Premium Rider Benefit Balance Lifetime Initial Rider Monthly Benefit Limit for: Assisted Living $6,000 Home Health Care $6,000 Long-Term Care Facility $6,000 Adult Day Care $6,000 Hospice Care (Home or Inpatient) $6,000 Annual Bed Reservation Benefit 31 days per calendar year Annual Respite Care Benefit 21 days per calendar year Nonforfeiture Benefit No Inflation Option 0% This is a supplemental illustration. The values are based on the proposed premium shown. See attached basic illustration for important information. More LTC Continuation of Benefits Rider information is located at the end of the illustration. 11/09/ This is not an offer to contract. Page 2 of 12 Version /15/15
3 Whole Life Asset-Care Joint Policy, Form: L301 and R525 Description of Policy: Whole Life Asset-Care, also known as Current Interest Whole Life Insurance with Long-Term Care Benefits for Either or Both Insureds, is an annual premium life insurance policy which provides an initial death benefit of $150,000. The death benefit is payable on the death of the second insured to die. The death benefit can also be used by either or both insureds prior to death to pay for long-term care expenses.when the policy is issued, the monthly amount available for the insured for long-term care expenses is as follows: Nursing Home Care/Assisted Living: Home Health Care: Adult Day Care: Lesser of actual charges or 4% of death benefit: $6,000 per month Lesser of actual charges or 4% of death benefit: $6,000 per month Lesser of actual charges or 4% of death benefit: $6,000 per month The death benefit and long-term care benefits may be decreased by any prior distribution (loans, partial withdrawals, or payment of long-term care benefits). Check your outline of coverage for exclusions and limitations. Payment of all benefits is subject to the terms and conditions of the policy. Other Things You Should Know About This Policy: Premium: The premium is due annually for the life of the policy. Revised Illustration: This illustration assumes the life insurance policy is issued in the Class 1 underwriting class. If the policy cannot be issued as Class 1, either the premium or the amount of life insurance may change. If so, you will receive a revised illustration with your insurance contract. Guaranteed Elements: Many elements of this contract are guaranteed, including the minimum interest rates, and the maximum cost of insurance charges. Those elements cannot be changed. Non-Guaranteed Elements: Certain elements of the policy cannot be predicted with absolute certainty and can be changed from time to time by The State Life Insurance Company. These elements are nonguaranteed and usually include the current interest rate, and the current cost of insurance charges. These non-guaranteed elements will affect each policy's death benefit, long-term care benefit balance, cash value accumulation fund and cash surrender value. The pages of this illustration which show non-guaranteed elements show your policy's values when they are calculated using interest which is higher than the guaranteed minmum interest rate, and cost of insurance charges which are lower than the guaranteed maximum cost of insurance charges. These values cannot be predicted with absolute certainty. 11/09/ This is not an offer to contract. Page 3 of 12 Version /15/15
4 This illustration assumes that the currently illustrated non-guaranteed elements will continue unchanged for all years shown. This is not likely to occur, and actual results may be more or less favorable than those shown. Premium Payment Modes: Annual, semi-annual, quarterly, and monthly pre-authorized check payment modes are available. If you pay more frequently than annually, there is an additional charge. The modal factors are: monthly (PAC),.0858; quarterly,.265: and semi-annually,.52. Definition of Terms Used in This Illustration: Read these to help you understand the illustration. Age: Insured's attained age as of the previous birthday. Cash Surrender Value: The cash value accumulation fund, minus any surrender charges and any indebtedness, which is available to the policyholder upon surrender of the policy. Surrender charges will be deducted in the first 14 years as follows: Year Charge Year Charge Year Charge Year Charge 1 $2,465 5 $2,465 9 $1, $493 2 $2,465 6 $2, $1, $246 3 $2,465 7 $1, $ $0 4 $2,465 8 $1, $739 Cash Value Accumulation Fund: The premium paid, less cost of insurance charges, plus interest. Death Benefit: The amount payable upon the death of the second insured to die. Illustrated Basis: Policy benefits and values shown on a non-guaranteed basis. Long-Term Care Benefit Balance: The amount payable for long-term care expenses incurred by either or both insureds. The long-term care benefit balance can change due to interest rate, cost of insurance charges, loans taken, partial withdrawals, and long-term care benefits paid. Policy Loan Interest Rate: The policy loan interest rate is 7.40%. Interest credited to the loan balance is 4.00%. Waiver of Premium: If selected, we will waive premiums if you are receiving care for which benefits are payable and you have satisfied the waiting period. 11/09/ This is not an offer to contract. Page 4 of 12 Version /15/15
5 End of Policy Year Contract Premium Cash Value Accumulation Fund Guaranteed Cash Surrender Value Death Benefit / LTC Benefit Balance Cash Value Accumulation Fund Non-Guaranteed Midpoint Assumptions Cash Surrender Value Death Benefit / LTC Benefit Balance Cash Value Accumulation Fund Non-Guaranteed Illustrated Basis Cash Surrender Value Death Benefit / LTC Benefit Balance Yr. 5 $3,573 $13,694 $11,229 $150,000 $13,694 $11,229 $150,000 $13,694 $11,229 $150,000 Yr. 10 $3,573 $29,618 $28,385 $150,000 $29,618 $28,385 $150,000 $29,618 $28,385 $150,000 Yr. 20 $3,573 $66,468 $66,468 $150,000 $66,468 $66,468 $150,000 $66,468 $66,468 $150,000 Yr. 30 $3,573 $101,330 $101,330 $150,000 $101,330 $101,330 $150,000 $101,330 $101,330 $150,000 Age 70 $3,573 $43,782 $43,536 $150,000 $43,782 $43,536 $150,000 $43,782 $43,536 $150,000 Guaranteed: "Guaranteed" benefits and values are based on your contract premium of $3,573.00, assuming a guaranteed minimum interest rate of 4.00% and guaranteed maximum cost of insurance charges. The benefits and values shown are guaranteed provided the premium is paid, no policy loans or partial withdrawals are taken, and no long-term care benefits are used. Non-Guaranteed/ Midpoint Assumptions: Non-Guaranteed/ Illustrated Basis: All "non-guaranteed" benefits and values are not guaranteed. The interest rate and cost of insurance charges are subject to change by The State Life Insurance Company. As a result, the actual results may be more or less favorable than those illustrated. Policy benefits and values which are based on an interest rate and cost of insurance charges which are midway between the guaranteed and illustrated (non-guaranteed) interest rates and cost of insurance charges. "Non-guaranteed/illustrated basis" benefits and values are based on your contract premium of $3,573.00, an illustrated interest rate of 4.00%, and illustrated cost of insurance charges. I have received a copy of this illustration and understand that any non-guaranteed elements illustrated are subject to change and could be higher or lower. The agent has told me that they are not guaranteed. Owner Date I certify that this illustration has been presented to the owner and that I have explained that any non-guaranteed elements are subject to change. I have not made any representations that are inconsistent with the illustration. Agent Valued Agent Date NANM 11/09/ This is not an offer to contract. Page 5 of 12 Version /15/15
6 ---Guaranteed % End of Insureds' Cash Value Cash Death Benefit/ Policy Joint Equal Contract Accumulation Surrender LTC Benefit Year Age Premium Fund Value Balance* 1 57 $3, $2,558 $528 $150, $3, $5,204 $2,739 $150, $3, $7,943 $5,478 $150, $3, $10,772 $8,307 $150, $3, $13,694 $11,229 $150, $3, $16,704 $14,486 $150, $3, $19,805 $17,833 $150, $3, $22,992 $21,267 $150, $3, $26,264 $24,785 $150, $3, $29,618 $28,385 $150, $3, $33,050 $32,064 $150, $3, $36,557 $35,817 $150, $3, $40,137 $39,644 $150, $3, $43,782 $43,536 $150, $3, $47,486 $47,486 $150, $3, $51,234 $51,234 $150, $3, $55,016 $55,016 $150, $3, $58,823 $58,823 $150, $3, $62,643 $62,643 $150, $3, $66,468 $66,468 $150, $3, $70,284 $70,284 $150, $3, $74,075 $74,075 $150, $3, $77,822 $77,822 $150, $3, $81,513 $81,513 $150, $3, $85,119 $85,119 $150, $3, $88,613 $88,613 $150, $3, $91,986 $91,986 $150,000 Contract Premium includes the annual charge of $ for waiver of premium and $76.50 for cost of enhanced LTC monthly payout through joint equal age 100. *The Death Benefit in some early years of the policy may be higher than shown here if applicable law requires a higher Death Benefit. The preceding sentence does not apply to the LTC Benefit Balance. 11/09/ This is not an offer to contract. Page 6 of 12 Version /15/15
7 ---Guaranteed % End of Insureds' Cash Value Cash Death Benefit/ Policy Joint Equal Contract Accumulation Surrender LTC Benefit Year Age Premium Fund Value Balance* $3, $95,238 $95,238 $150, $3, $98,351 $98,351 $150, $3, $101,330 $101,330 $150, $3, $104,153 $104,153 $150, $3, $106,787 $106,787 $150, $3, $109,236 $109,236 $150, $3, $111,527 $111,527 $150, $3, $113,768 $113,768 $150, $3, $116,027 $116,027 $150, $3, $118,251 $118,251 $150, $3, $120,402 $120,402 $150, $3, $122,442 $122,442 $150, $3, $124,394 $124,394 $150, $3, $126,336 $126,336 $150, $3, $128,513 $128,513 $150, $3, $131,207 $131,207 $150, $3, $134,541 $134,541 $150, $0.00 $135,381 $135,381 $150, $0.00 $136,196 $136,196 $150, $0.00 $136,979 $136,979 $150, $0.00 $137,720 $137,720 $150, $0.00 $138,413 $138,413 $150, $0.00 $139,049 $139,049 $150, $0.00 $139,634 $139,634 $150, $0.00 $140,174 $140,174 $150, $0.00 $140,669 $140,669 $150, $0.00 $141,120 $141,120 $150,000 Contract Premium includes the annual charge of $ for waiver of premium and $76.50 for cost of enhanced LTC monthly payout through joint equal age 100. *The Death Benefit in some early years of the policy may be higher than shown here if applicable law requires a higher Death Benefit. The preceding sentence does not apply to the LTC Benefit Balance. 11/09/ This is not an offer to contract. Page 7 of 12 Version /15/15
8 ---Guaranteed % End of Insureds' Cash Value Cash Death Benefit/ Policy Joint Equal Contract Accumulation Surrender LTC Benefit Year Age Premium Fund Value Balance* $0.00 $141,527 $141,527 $150, $0.00 $141,903 $141,903 $150, $0.00 $142,271 $142,271 $150, $0.00 $142,647 $142,647 $150, $0.00 $142,994 $142,994 $150, $0.00 $143,337 $143,337 $150, $0.00 $143,697 $143,697 $150, $0.00 $144,122 $144,122 $150, $0.00 $144,801 $144,801 $150, $0.00 $146,249 $146,249 $150, $0.00 $150,000 $150,000 $150,000 Contract Premium includes the annual charge of $ for waiver of premium and $76.50 for cost of enhanced LTC monthly payout through joint equal age 100. *The Death Benefit in some early years of the policy may be higher than shown here if applicable law requires a higher Death Benefit. The preceding sentence does not apply to the LTC Benefit Balance. 11/09/ This is not an offer to contract. Page 8 of 12 Version /15/15
9 Supplemental Illustration Long-Term Care Benefits Continuation Rider, Form R501(CO) Initial Rider Long-Term Care Monthly Benefit Limit: $6,000 Description of Rider: The Long-Term Care Benefits Continuation Rider will pay long-term care benefits for the insured after long-term care payments under the Asset-Care policy are exhausted. Payment of the benefits under this rider are subject to the same terms and conditions as the Asset-Care policy. No death benefit is payable under this rider. The rider is noncancelable, meaning your premium cannot be increased and we can make no changes to the rider without your consent. Optional Benefits: Inflation Protection and Nonforfeiture Benefit. For an additional premium, we will provide an inflation protection benefit which will increase your rider monthly benefit limit, compounded annually after the first policy year. Also for an additional premium, we will pay you a nonforfeiture benefit if you lapse this rider for nonpayment of premium. The rider monthly benefit will remain at the level you choose when you purchase the rider, but will be paid for a shorter period of time. These optional benefits are not applicable to the base policy. Payment of these benefits is subject to the terms and conditions of the policy and this rider. Effect of Base Policy on Rider Benefit: Any partial withdrawals taken from the base policy will reduce the rider monthly benefit limit, the rider long-term care benefit balance, and the rider premium. Single Premium Without Nonforfeiture Benefit (Guaranteed) Inflation Protection 0% 3% 5% 25 Months Coverage $16, $42, $79, Lifetime Coverage $35, $101, $191, Guaranteed Annual Premiums Without Nonforfeiture Benefit Inflation Protection 0% 3% 5% 25 Months Coverage $ $2, $3, Lifetime Coverage $1, $5, $9, /09/ This is not an offer to contract. Page 9 of 12 Version /15/15
10 Supplemental Illustration Long-Term Care Benefits Continuation Rider, Form R501(CO) Initial Rider Long-Term Care Monthly Benefit Limit: $6,000 Future Monthly Long-Term Care Benefit Amounts Available Based On 0% Inflation YEAR RIDER BENEFIT AMOUNT 10 $6, $6,000 11/09/ This is not an offer to contract. Page 10 of 12 Version /15/15
11 Asset Care Plus Optional LTC Continuation of Benefits Rider Future Monthly LTC Benefit Amounts Available Based On 0% Inflation Lifetime Benefits Policy Year Rider Monthly Benefit Amount Total Potential Rider Benefits 1 $6, Lifetime 2 $6, Lifetime 3 $6, Lifetime 4 $6, Lifetime 5 $6, Lifetime 6 $6, Lifetime 7 $6, Lifetime 8 $6, Lifetime 9 $6, Lifetime 10 $6, Lifetime 11 $6, Lifetime 12 $6, Lifetime 13 $6, Lifetime 14 $6, Lifetime 15 $6, Lifetime 20 $6, Lifetime 25 $6, Lifetime 30 $6, Lifetime 35 $6, Lifetime 40 $6, Lifetime 45 $6, Lifetime 50 $6, Lifetime 55 $6, Lifetime 60 $6, Lifetime 65 $6, Lifetime Table assumes policy and rider remain in force and no withdrawals have been made through given year. 11/09/ This is not an offer to contract. Page 11 of 12 Version /15/15
12 End of Policy Year Asset-Care Supplemental Illustration Premium Summary Whole Life Asset-Care The Asset-Based Solution for Long-Term Care Valued Client Age: 58 Gender: Male Class: Preferred (Non-smoker) Valued Client Age: 54 Gender: Female Class: Preferred (Non-smoker) Presented By: Valued Agent Premium Summary Total First-Year Premium Paid $5,403 Base Policy Premium $3,573 Optional Asset-Care Plus Rider $1,830 Annual Premium* Cash Value Summary Cash Value Accumulation Fund Value** 1 $2,557 $2,557 2 $5,203 $5,203 3 $7,942 $7,942 4 $10,771 $10,771 5 $13,693 $13,693 6 $16,704 $16,704 7 $19,804 $19,804 8 $22,992 $22,992 9 $26,263 $26, $29,617 $29, $33,049 $33, $36,556 $36, $40,137 $40, $43,782 $43, $47,485 $47, $85,119 $85, $113,767 $113, $135,381 $135, $141,526 $141, $150,000 $150,000 This is a supplemental illustration. Cash Value Accumulation Fund Value** *The optional LTC continuation of benefits rider is explained on the preceding pages. **Based on a guaranteed interest rate of 4.00%. 11/09/ This is not an offer to contract. Page 12 of 12 Version /15/15
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