TERM CONVERSION PRIVILEGES

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1 Accordia Accordia American General American General American General AXA Term Annual Renewable Term Select A Term ROP Term AG Ultra One Bright Life Term Earlier of level period or age 75 Earlier of ten years or age 75 Earlier of level period or age 70; can convert to ROP within first 2 years Up to age 70 t convertible Earlier of level term period or age 70 Prior to the 5th policy anniversary can convert to any permanent product. After 5th policy anniversary can only convert to AG Extend IUL or American Elite Whole Life products Prior to the 5th policy anniversary can convert to any permanent product. After 5th policy anniversary can only convert to AG Extend IUL or American Elite Whole Life products All Permanent s, if both insureds have a term policy that can be converted, if both insureds have a term policy that can be converted s limit; must retain the minimum face limit; must retain the minimum face 1 1 limit; must retain the minimum face Only with the Wavier of Premium Plus rider Only with the Wavier of Premium Plus rider but AXA limits the product choices Partial s but must meet both products minimum face amounts but must meet both products minimum face amounts - remaining term must be at or above the minimum to remain in force - will not allow any remaining term to be left in force but both the new perm and remaining term must abide by minimum face rules. First 5 years client receives 125% Conversion Credit

2 Fidelity Life Fidelity Life Genworth Financial John Hancock John Hancock Legal & General America Rapid Decision Express Rapid Decision Senior Term Colony Term Term 2015 Term 2015 with Vitality OPTerm t convertible Convertible for earlier of 10 years or age 70. Convertible for earlier of 10 years or age 70. t convertible Up to age 75 Conversion Extension Rider available for Conversion Extension Rider available for Earlier of end of level period or age 70. additional cost. additional cost. Life Ready UL II First six years, convertible to any product available for sale. Years 7-10, convertible to product designated for s. First six years, convertible to any product available for sale. Years 7-10, convertible to product designated for s. In years 7-10, if the insured attains Gold or Platinum Status for each of the three years prior to the date, the policy can be converted to any single life product available for sale. If policy in force less than 5 years can convert to Life Choice UL; if over 5 years can only convert to Life Step UL, with Underwriting on second insured., with Underwriting on second insured. Face amount cannot exceed original Face amount cannot exceed original policy's face amount. policy's face amount. s limit; must retain the minimum face limit; must retain the minimum face limit; must retain the minimum face limit; must retain the minimum face, but requires underwriting approval, if age permits, if age permits, but not until the last opportunity Partial s. Remaining face amount cannot go. Remaining face amount cannot go below minimum below minimum

3 Lincoln Financial Lincoln Financial MetLife MetLife Minnesota Life Minnesota Life LifeElements Level Term LifeElements One-Year Term Guaranteed Level Term One Year Term Advantage Elite Term Convertible Annual Renewable Term (ART) Up to the earlier of the end of the initial level term period or before attained age 70 Coverage is not renewable, convertible or commissionable For issue age < 65: Initial term period or attained age 70 For issue age 65+: within the first 5 policy years t convertible unless Convertible & Renewable Option rider on policy - can convert years 2-5 5, 10 & 15 year term - 5 years 10 & 20 year term - 10 years Up to age 75 - if both insureds have a term policy to convert - must be same face as coverage being applied for s ne as long as minimum face amounts are satisfied limit; must retain the minimum face limit; must retain the minimum face limit; must retain the minimum face limit; must retain the minimum face - only to Waiver of Monthly Deduction rider, must have the convertible Disability rider, will waive the cost of insurance until insured comes off disability - must be converted to whole life (at age 60 automatic to whole life if they are still on waiver and they continue to waive premiums) (at age 60 automatic to whole life if they are still on waiver and they continue to waive premiums) Partial s t contractual; company practice t contractual; company practice ne as long as minimum face amounts are satisfied Available on Advantage Elite 5 (equal to first year annual premium)

4 Mutual of Omaha Mutual of Omaha rth American Principal Protective Life Protective Life Term Life Express Term Life Answers ADDvantage Term Term Custom Choice UL One Year Term After policy year 2 through the lesser of the end of level term period or the policy anniversary following insured's 70th birthday 10yr: To age 74 or within first 2 policy yrs. whichever is later 15 & 20 yr: To age 74 30yr: within first 20 years only During the level term period or up to age 74 (age 69 for 30 year); never less than 5 years During the level term period or up to attained age years or age 70 can exchange to Advantage Choice UL, Indexed Choice UL, Pro Classic UL or n Par WL products Coverage is not renewable, convertible or commissionable GUL Express or Living Promise WL, Two term policies can be converted to one SUL policy. Conversion is allowed up to twice the face amount of the smaller of the two term policies. A common example is a husband and wife who both have term policies. Assume one has a $6,000,000 term policy and the other has an $8,000,000 term policy. The maximum face amount this new SUL policy can be issued for, without new evidence of insurability on both lives, is $12,000,000. s 1 1 limit; must retain the minimum face limit; must retain the minimum face limit after 3rd policy year, but cannot fall below product minimum, any riders on the term policy cease upon. Similar riders may be issued with the new policy without evidence of insurability, subject to the provisions in the new riders and subject to our rules in effect on the date. The following conditions must be satisfied: The rider is on this policy; and The rider is available at the attained age of the insured on the new policy s policy date; and Premiums are not being waived due to the insured s disability under a similar rider on this policy. Partial s limit after 3rd policy year, but cannot fall below product minimum

5 Protective Life Prudential Prudential Prudential Prudential Prudential Survivorship Term Term Essential Term Elite ROP Term WorkLife 65 PruTerm One Joint age 75 or individual attained age 85 Up to the lesser of the level period or to the first policy anniversary on or after the insured's 65th birthday, but at least 5 years Up to the first policy anniversary on or after the insured's 65th birthday or fifth policy anniversary, whichever is longer Up to the lesser of the level period or to the first policy anniversary on or after the insured's 65th birthday, but at least 5 years During the level premium period Through 5th policy anniversary Survivor UL - not contractual but is current company - not contractual but is current company - not contractual but is current company - not contractual but is current company - not contractual but is current company s maximum within product minimum ($250k) Unlimited within the convertible period Unlimited within the convertible period 1 Unlimited within the convertible period Unlimited within the convertible period Partial s within product minimum ($250k) maximum within product minimum ($250k) Available within the first 5 years

6 SBLI Symetra Transamerica Transamerica Transamerica Voya Term Life Term Life Trendsetter Super & YRT - New York Trendsetter Super & YRT Trendsetter Super LB Termsmart / ROP Generally to the end of the level term period or to age 70, whichever is earlier For YRT, privileges vary by policy series Lesser of level period or age 75 Up to age 70; 75 for Pref Plus class (older products have different guidelines) Up to the earlier of the end of the initial level premium period or the insured's 70th birthday (75 for Preferred Plus) Up to the earlier of the end of the initial level premium period or the insured's 70th birthday (75 for Preferred Plus) Age 70 or duration of term, whichever comes first Convertible guaranteed whole life or current assumption UL IUL GDB if 70 or under not available in NY View Guide to understand all product available View Guide to understand all product available View Guide to understand all product available Any current permanent product that is available at the time - not contractual but is current company practice - not contractual but is current company practice s ne as long as minimum face amount are satisfied 1 ne ne ne Unlimited partial s, but not available on all products Available for some older policies prior to call Trans to verify no Partial s, but must meet minimum face amounts for product and also for retained term policy, if any within product minimum Available on 2002 and 2005 products only

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