AMERICAN GENERAL. AM Best S&P Moody's Fitch Company Ratings A A+ A2 A+ Details may vary by state. Not all plans or riders are available in all states.

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1 AMERICAN GENERAL Company Ratings A A+ A2 A+ Select-A-Term 10 years: years: years: years: years: ,.265,.52 25, 10 = 55% 15 = 75% 20 = 80% 25 = 80% = 80% $100K - $249K: $74 ( $250k +: $64 (Non- Com missionable) ADB WP CR DI TIR SIR End of initial period or age 70, whichever comes first. ADB - Accidental Death Benefit, WP-Waiver of Premium, CR - Children s Insurance Rider, DI - Disability Income Rider, TIR - Terminal Illness Rider, SIR - Select Income Rider provides monthly benefit to beneficiary upon death of base policy insured. Select-A-Term ROP 20 years: years: years: years: ,.265, Years 20 = 80% 25 = 80% = 80% 35 = 80% $0 ADB WP CR TIR End of initial period or age 70, whichever comes first. s to return 100% of premiums paid if held to end of term period ADB - Accidental Death Benefit WP-Waiver of Premium CR - Children s Insurance Rider, TIR - Terminal Illness Rider Smoking Definitions: Pref Best-5 years no nicotine use, Pref NTU-3 years no nicotine use, Std Plus NTU-1 year no nicotine use, Standard-1 year no nicotine use

2 AMERICAN NATIONAL Company Ratings A A NA NA Signature Term Signature Term Express $250,001 Fully Under written $50,000 to $250,000 and below. Must quote using Standard Rate Class $250,001 + ART years: years: years: years: years: $250,000 & less ART years: years: years: years: years: ,.265, ,.265,.515 End of level Fully Underwritten at term period $250,001, All Rate Classes or age 65, Avail, ART has Conversion ART=80% Min 5 years. Credit. ABR trigger is 10 = 80% ABR, $60 (Non- ART can inability to perform 2 out of 15 = 85% WOP, CIR, convert to 6 ADLs, 1 of 16 Critical 20 = 90% Dis WOP, 20 or Illnesses, or Terminal Illness = 90% year term (12 to 24 Mo). ABR not first 3 years avail in CA, FL. Table 4 to or age 55 Standard ART=80% 10 = 80% 15 = 85% 20 = 90% = 90% $60 (Non- ABR, WOP, CIR, Dis WOP, End of level term period or age 65, Min 5 year. ART can convert to 20 or year term first 3 years or age 55 Use same app as Sig. Term. Simplified Underwritting. ART has 12 mo conversion credit. ART can convert to 20 and year term in first 3 years or age 55. Smoking Definition: Pref Plus-5 years no nicotine use, Preferred-3 years no nicotine use, Standard Plus-2 years no nicotine use

3 AXA Company Ratings A+ A+ Aa3 AA- Term Series 151 ART, 10, 15, & 20 Year Guarante $500,000 ART: Years: Years: Years: ,.2565, , 10, 15, 20 Years Fully Underwritten at $250,001, All Rate Classes ART: to age Avail, ART has Conversion 70 ART=65% Credit. ABR trigger is $75 A, $39 SA, $23 10, 15, 20: 10 = 70% WP, CR, inability to perform 2 out of Q, $9 MO (noncommissionable) end of gte earlier of 15 = 80% LB 6 ADLs, 1 of 16 Critical 20 = 90% Illnesses, or Terminal Illness period, or (12 to 24 Mo). ABR not age 70 avail in CA, FL. Table 4 to Standard Smoking Definition: Pref Elite, 5 years no nicotine use, Pref NTU, 3 years no nicotine use, Standard Plus NTU, 1 year no nicotine use

4 BANNER Company Ratings A+ AA- OPTerm 10, 15, 20 & Year guaranteed level term 10 years: years: years: years: ,.26,.51 Years 10 = 70% 15 = 80% 20 = 85% = 85% $65 (Non- WP s 20-65: End of initial period, or age 70, whichever comes first. s 66+: first 5 years Uses Nearest MediGuide-provides a second opinion at no charge to the client. No Child Insurance Smoking Definition: Pref Plus-3 years no nicotine use, Pref NTU-2 years no nicotine use, Standard Plus & Standard-1 year no nicotine use

5 FIDELITY Company Ratings A- NA NA NA Senior Life Term Rapid Decision Express Term $10,000 Simple Issue Non Med $25,000 Simple Issue Non Med 10 years: years: years: (Coverage amounts vary by age) 10 years: years: years: years: ,.28,.52 10, 20,.087,.28,.52 ADB, Graded Portfolio. Policies 10, 20, WOP, Dep issued in 24 to 48 hours. Issue 20- $50 Child Not Partial coverage 69: 50% ( Rider applicable Immediately. Full coverage 70+: 25U, in 4 years. Not available in 50% XDB, ROP all states. 10 = 83% 15 = 90% 20 = 98% = 98% $85 ( Dep Child Rider: $25K, ADB: 20-65, $25k to $250k. Not applicable Pre-appointment required. Not Avail: WY, NY, Rapid Decision Mortgage Term $10K 66+ $25K $50K years: years: years: years: ,.28,.52 Direct, Credit Card, EFT avail 15, 20,, 40 = 100% ROP Rider = 22% $95 ( ADIR, ROP, ADB, WOPIUR, WOP, DCR, ADB, OIR, May convert up to one year prior to end of level period or prior to policy anniversary on which insured is age 65. Unisex premiums. Max face amount can't go to 125% of Mortgage. First Mortgage and refinance only: 37 month look back for loans up to $0k. 13 month look back for loans over $0k. Smoking Definitions: Preferred-2 years no nicotine use, Standard-1 year no nicotine use

6 GENWORTH Company Ratings A A- A3 A- Colony Series 10, 15, & 20 Year d Term $50, years: years: years: ,.26,.51 10, 15, 20 Years 10 = 65% 15 = 75% 20 = 85% $50 (Non- CIR, WP, ADB During initial period, but no later than policy anniversary nearest age 75. For policy issued at 75 or above, available up to 1 year from issue. CIR: Children's Insurance Rider CIR Issue : 15 days to age 23. CIR Max Units: 10 Face amount of $50K- $100K must use Life Quick Request forms. Electronic Policy Delivery Available. Smoking Definition: Pref Best-5 years no nicotine use, Pref NTU-3 years no nicotine use, Select NTU-2 years no nicotine use, Standard and Custom-1 year no nicotine use.

7 ING-RELIASTAR Company Ratings A A- A- A3 TermSmart 10, 15, & 20 year guaranteed level term 10 years: years: years: ,.265,.52 10, 15, = 55% 15 = 70% 20 = 75% $100K-$199K: $75 ( $200K-$999K: $75 (Non- $1 Million: $100 (Non- ADP, WP, LBR, CTR, ABR Earlier of the end of the initial guarantee period or age 70. ADB: Accidental Death Bennefit; LBR: Living Benefit Rider-allows prepayment of portion of death benefit upon diagnosis of terminal illness CTR: Children's Term Rider CTR Issue : 15d-17 Max Units: 10 ABR: Accelerated Benefit Rider ROP Term 20, 25 & 20 years: years: years: ,.265,.52 20, 25, 20 = 75% 25 = 75% = 75% $0 ADB, WP, LBR, CTR Earlier of the end of the initial guarantee period or age 70. ADB: Accidental Death Bennefit; LBR: Living Benefit Rider-allows prepayment of portion of death benefit upon diagnosis of terminal illness CTR: Children's Term Rider CTR Issue : 15d-18 Max Units: 10 Uses nearest age Smoking Definitions: Super Preferred-5 years no nicotine use, Pref-3 years no nicotine use, Select-2 years no nicotine use, STD-1 year no nicotine use

8 JOHN HANCOCK Company Ratings A+ AA- A1 AA- John Hancock Term $750, years: years: years: ,.262, , 15, 20 Total Dis Before the Waiver, end of the 10 = 70% $100 ACC 10th year or 15 = 75% (Non- Death age 75, 20 = 80% Benefit, whichever Conv Ext occurs first. Rider Smoking Definitions: Super Preferred-5 years no nicotine use, Preferred NTU-2 years no nicotine use, Std Plus-1 year no nicotine use

9 LINCOLN NATIONAL Company Ratings A+ AA- A2 A+ Life Elements $250, years: years: years: years: ,.262, Years = $100 Before the 10 = 75% 15 Years = $60 end of the 15 = 80% 20 Years = $60 level period 20 = 85% = $50 or age 70, = 85% (Non- whichever occurs first. Smoking Definitions: Preferred Plus-3 years no nicotine use, Preferred NTU-2 years no nicotine use. Non-cigarette TU can be Standard NTU.

10 MET LIFE Company Ratings A+ AA- Aa3 AA- Guranteed Level Term Promise Whole Life ($250,000 Elite plus & Pref Plus) 60+, $10,000 Standard, Preferred, $250,000 Elite Plus & Pref Plus OYT: years: years: years: years: Elite NS: Pref NS: Std NS: Table B: Juvenile: 0-17 Juvenile Substd: OYT:.52,.26,.087 GLT:.09,.27, ,.26,.52 Issue less than 65: End of level period or NCDWP age 70. Issue OYT: Simple issue for $69 (Non- CDW 65 +: $100K to $1M, $100K ADBR First five to $250k. Must be working. years No conversion credit OYT, 10, 15, 20, OYT = 5.25% 10 = 60%, 15 = 70%, 20 = 70%, = 70% Promise Whole Life 50% Enricher, Flex Term Rider, DW, AWB, ADB, ADBR, CTR, GIR Met pays Dividends. Smoking Definitions: Elite & Preferred Plus-5 years no nicotine use, Std Plus NTU-2 years no nicotine use

11 NORTH AMERICAN Company Ratings A+ A+ ADDvantage 10, 15, 20 & guaranteed level term 10 years: years: years: years: ,.285,.53 ABE - Accelerated Benefit Rider - allows prepayment of a portion of the death benefit upon diagnosis of a Allowed terminal illness. during level ADIR - Accident Disability premium ABE, Income Rider period, or 10 = 70% ADIR, BROP - Base Return of through age 15 = 75% $65 (Non- BROP, Premium Rider = 80% CTR, DIR, CTR - Children s Term Rider (whichever = 80% MIE, WP, DIR - Disability Income is earlier), AIO Rider but never MIE - Monthly Income less than 5 Expense Rider years. AIO - Additional Insurance Option Uses Nearest Smoking Definitions: Super Preferred-5 years no nicotine use, Preferred-3 years no nicotine use, Std Plus-2 year no nicotine use

12 PROTECTIVE Company Ratings A+ AA- A2 A Custom Choice UL 10 years: years: years: years: years: Lifetime: ,.27,.52 Extend a Care Rider (ECR): ADB, CIR 10 = 70% Access Death Benefit due (20 units, 15 = 80% to chronic illness. Income age = 85% No Policy Fee Provider Option (IPO): max), 25 = 85% Create a guaranteed DBR, ECR, = 85% monthly or annual income IPO stream for Beneficiary. ProClassic UL $25,000 (Std NT, Std TB) (Select Pref, Pref, Pref TB) ,.27,.52 No Policy Fee ADB, CIR, Covg Ins Rider, DBR, DBRPL, GI, Sur Ch, PIR, ECSVR ROSCO (Return of Substandard Charges Option) ECSVR=Enhanced Cash Surrrender Value Rider Smoking Definitions: Select Preferred-5 years no nicotine, Preferred-2 years no nicotine use

13 PRUDENTIAL Company Ratings A+ AA- A2 A+ Term Essential 10 years: years: years: years: ,.265, = 75% 15 = 75% 20 = 75% 25 = 75% = 75% $85 (Non- ADB, CIR (10 to 50 Units) LBN, WOP Convertible to the lesser of level Prem period or the first anniv on or after 65th DOB, but at least 5 years. Living Benefit Need: Permanently confined to nursing home 6 consecutive Mo. Conversion Prem Credit is NOT AVAILABLE. Cigar, Chewer, Electronic Cig, Nic Lozenge are Non Smoker Plus. Term Elite 10 years: years: years: years: ,.265, = 75% 15 = 75% 20 = 75% 25 = 75% = 75% $85 (Non- ADB, CIR (10 to 50 Units) LBN, WOP Covertible to the lesser of level Prem period or the first aniv on or after 65th DOB, but at least 5 years. Living Benefit Need: Permanently confined to nursing home 6 consecutive Mo. Conv Prem Credit=Term Premiums due and paid during the 12 months prior. Exclude table rating and Flat extra. Must convert in first 5 years to receive the credit. Smoking Definitions: Preferred Best-5 years no nicotine, Preferred-3 years no nicotine use, Nonsmoker Plus & Nonsmoker-1 year no nicotine use

14 TRANSAMERICA Company Ratings A+ AA- A1 AA- Trendsetter Super Band 1: $25,000 to $99,999 Band 2: to $249,999 Band 3: $250,000 to $499,999, Band 4: $500,000 to $999,999 Band 5: $1,000,000+ < YRT Not Avail 10 years: years: years: years: years: >= YRT years: years: years: years: years: years: ,.26,.51 25, YRT = 70% 10 = 75% 15 = 80% 20 = 85% 25 = 85% = 85% Band 1: $60 Band 2-5: $ YRT: $70 ( CIR AIR ROP on Super 20 &, IPO End of initial period or age 70 (75 for Pref Plus), whichever comes first. Nearest Birthday Living Benefit Rider Child Rider-15 Days-18 TOP Program Waive policy fee on multiple submission. Non-Med: $25K to $99K, $25K to $50k Income Protection Smoking Definitions: Pref Best-5 years no nicotine use, Pref NTU-2 years no nicotine use, Std Plus NTU-2 years no nicotine use, Standard-2 years no nicotine use

15 UNITED OF OMAHA Company Ratings A+ A+ A1 Term Life Express $50,000 Term Life Answers 15 yr: yr(5 yr gte): yr:18-60 yr (5yr gte): yr: years: years: years: years: ,.275, ,.275,.52 5 yr guarantees and full term period guarantees 15, 20, = 125% 10 = 60% 15 = 65% 20 = 75% = 75% $60 (Non- $62.50 (Non- P-ROP DI WOP ADB CR ABR ADB WP CR ABR OIR NOT Convertible 10, 15, 20 yr till age 75, yr convertible 15 yrs. Last, Max Face $400,000. Simplified Issue Last Smoking Definitions: Term Life Express: Preferred Plus-3 years no nicotine use, Preferred-3 years no nicotine use, Standard Plus-1 year no nicotine use use

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