Issued by Forethought Life Insurance Company ( Forethought )

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1 End-of-Life INSURANCE, PLANNING & Support Solutions Issued by Forethought Life Insurance Company ( Forethought )

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3 Forethought More than an insurance policy ForeLifeSM Many final expense insurance products are nothing more than a piece of paper and a promise. Forethought is a different kind of insurance company, offering you an unrivaled array of insurance, planning and support services. Our simple solutions are backed by more than 20 years of dedicated service and are designed to meet the unique needs of the families we serve. Final Expenses may include: Funeral expenses Cemetery costs Medical bills Outstanding loans Credit card bills ForeLife SM provides several distinct benefits: Affordable premiums and reduced rates Coverage amounts from $2,500 - $40,000 1 Death benefits are not considered taxable income The ForeLife SM difference ForeLife is a final expense whole life insurance product designed to provide value and peace of mind for you and your loved ones. ForeLife includes these supplemental benefits at no additional cost. Accidental Death Benefit If death occurs from a covered accident, this benefit will double your death benefit. 2, 3 Accelerated Death Benefit Provides 97% of the base policy face amount payout if a licensed physician determines you have a life expectancy of 6 months or less. 2, 4 Grandchildren s Benefit Provides coverage for eligible grandchildren ages 6 months up to 18 years old at issue. The benefit amount is $5,000 or the base policy face amount which ever is smaller and will be paid only one time. 2, 5 In addition, ForeLife offers a simple, step-by-step process to help you avoid the confusion often associated with end-of-life planning. From assistance in selecting the appropriate coverage to planning for your end-of-life needs, ForeLife offers more than just an insurance policy. 1 Coverage limits will vary with risk classification. 2 Coverage may vary state by state. Not all supplemental benefits are available in all states. 3 Available to issue ages 40 through 70 only. Coverage terminates on the policy anniversary following attained age 75. Not available for all risk classifications. 4 Less any policy loans, premiums due, and a transaction fee. The policy terminates following payment of the Accelerated Death Benefit and cannot be reinstated. Not available for all risk classifications. May not be available during the first 12 or 24 policy months. Coverage may vary by state. 5 All coverage under this benefit terminates on the earlier of the payment of one Grandchildren s Benefit or termination of the base policy for any reason grandchildren over the age of 18 at policy issue will not be covered. Coverage for any particular grandchild will end on his or her 22nd birthday. 1

4 How a comprehensive insurance, planning and support solution works STEP 1 Select Your Insurance Coverage Amount Forethought Representatives are licensed and appointed insurance agents who have received additional training and certification from Forethought Life Insurance Company, Indianapolis, Indiana. Your Forethought Representative will help you select the appropriate coverage to pay for end-of-life expenses with whole life insurance from Forethought. STEP 2 Complete Your Forethought Personal Planning Guide When you re ready, create and store your personalized funeral plan on Our simple, easy-to-use website features a specially designed guided planner to help you save your biographical information and vital statistics needed at the time of death. If you prefer, a printed personal planning guide is also available. 2

5 STEP 3 ForeHelp SM, Call Forethought Anytime Call , to speak with your ForeHelp SM Support Team comprised of compassionate, knowledgeable professionals who can assist with education on end-of-life subjects. With one call, you receive world-class support for all your planning and end-of-life needs. STEP 4 Receive Referral to a Forethought Funeral Planning Network SM Partner When you work with Forethought, you gain preferred access to the largest end-of-life assistance network in the United States. Your Forethought Representative can assist you in finding a Forethought Funeral Planning Network SM partner near you. Our trusted network includes more than 5,000 funeral homes and cemeteries committed to helping families at their time of need. One call does it all Forethought is a proud member of the National Hospice and Palliative Care Organization

6 ForeFamilies SM Additional solutions at the time of need Many insurance companies can take two to six weeks to pay a life insurance claim. Your family could be required to pay for your funeral and burial services with their money with the hope of being reimbursed when the insurance proceeds are paid. ForeFamilies SM provides peace of mind in knowing that upon the death of the insured, Forethought will promptly pay beneficiaries the full policy amount within 48 hours. * Quick access to funds can help alleviate the worry of paying for: Funeral expenses Cemetery expenses Travel expenses Medical expenses Other end-of-life expenses * Some restrictions apply 4

7 About Forethought Forethought Financial Group, Inc., through its subsidiaries, provides innovative insurance and financial solutions for families managing retirement and end-of-life needs. Headquartered in Indianapolis, Indiana, our companies provide life insurance and annuities. Forethought s insurance subsidiary, Forethought Life Insurance Company, has been consistently recognized by A.M. Best for financial strength. Forethought Life Insurance Company is licensed to sell in 49 states, the District of Columbia and Puerto Rico. Forethought, through its life insurance subsidiary, has assets owned and under management in excess of excess of $4.0 billion, approximately $1 billion in annual revenue, more than $5.6 billion of life insurance and annuity business in force, and has served more than 2 million policyholders since

8 More than a piece of paper and a promise ForeLife SM benefits include: 0 Whole Life Insurance Protection from $2,500-$40, Accidental Death Benefit doubles your death benefit if death occurs from a covered accident. 2, 3 0 Accelerated Death Benefit pays you 97% of your base policy face amount if you become terminally ill. 2, 4 0 Grandchildren s Benefit provides coverage for eligible grandchildren. 2, 5 0 Forethought Funeral Planning Network SM offers access to the country s largest end-of-life network of funeral homes and cemeteries. 0 ForeHelp SM caring, Hospice trained funeral counselors ready to assist you and your family before, during, and after your time of need. 0 ForeFamilies SM can ease the financial burden of those loved ones handling your funeral expenses. For you. For them. ForeLife. 1 Coverage limits will vary with risk classification. 2 Coverage may vary state by state. Not all supplemental benefits are available in all states. 3 Available to issue ages 40 through 70 only. Coverage terminates on the policy anniversary following attained age 75. Not available for all risk classifications. 4 Less any policy loans, premiums due, and a transaction fee. The policy terminates following payment of the Accelerated Death Benefit and cannot be reinstated. Not available for all risk classifications. May not be available during the first 12 or 24 policy months. Coverage may vary by state. 5 All coverage under this benefit terminates on the earlier of the payment of one Grandchildren s Benefit or termination of the base policy for any reason grandchildren over the age of 18 at policy issue will not be covered. Coverage for any particular grandchild will end on his or her 22nd birthday. ForeLife SM is funded through the purchase of whole life insurance from Forethought Life Insurance Company, Indianapolis, Indiana. Depending upon payment plan selected, death benefit may vary up to the first three policy years. A representative, who may also be an agent of Forethought, can answer any questions you may have. M Forethought 0809

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