Single Premium Life Insurance Source List

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1 Allianz Life GenDex Momentum MA NY OR 0-80 $5,752 2% years. Actual charge varies by risk class at time of issue. 8 different indexing options available with fixed interest rate option. Americo Financial Life and Annuity Insurance Co x8410 Lifetime Legacy All States Except AL MS MO NV NY PA VT 55-85, age last birthday $15,000 Guaranteed Minimum Death Benefit based on single premium, age, gender, smoking class. The Accelerated Benefit Payment Rider provides an accelerated payment of life insurance proceeds and is included with every Lifetime Legacy policy, where available. Assurity Life Insurance Co Legacy Estate Maximizer 0-85 Minimum face amount is. N/A Level death benefit equal to the face amount of the policy. N/A Non Participating whole life insurance with simplified underwriting. No additional premium riders: Accelerated Benefit Riders for Terminal Illness, Confined Care, Community Care. Aviva Life and Annuity Co Multi Choice Indexed Single Premium Life All States Except MA MT PA VT Greater of or amount required for a $25,000 face amount 2% guaranteed over the five-year segment term Level on all policies Ages 50-75: 7% declining over 12 yrs; ages 76-85: 6% declining over 12 years Indexed UL with lifetime guaranteed death benefit for a single premium; 3 indexing strategies or fixed rate strategy; 10% Beneficiary Settlement Option Enhancement; Penalty-free withdrawals available beginning in year 2; 1

2 Baltimore Life Companies, The LIFE (5433) Secure Solutions Single Premium Whole Life All States Except KY MA MT NY Calculated based on single premium, age, gender Two-tiers of underwriting, Level I-Standard through table 4, Level II-Tables 5-8 Accelerated Death Benefit Rider, not available in all states Calkins Kramer Insurance Inc LegacySPL United of Omaha Depends on age and amount of deposit 20 years Return of premium, LTC benefits, convalescent care, extension of benefits, Tax Free Death benefit. Calkins Kramer Insurance Inc Money Guard Reserves $25,000 Depends on age and amount of deposit 20 years Return of premium, LTC benefits, convalescent care, extension of benefits, Tax Free Death benefit. Equitable Life & Casualty EquiLife Legacy 1 All States Except AK CA DC FL HI MA MN NJ NY PA WA ($2,000 face amount, female non-smoker) 5% Full coverage from the first day. N/A Optional accidental death benefit - Triple benefits is death occurs while riding in a common carrier vehicle or due to a terrorist act. 2

3 Guardian Life Insurance Company of America #2 Single Premium Whole Life All States Minimum face = $100,000 (Face Amount + Dividend Additions + Dividends left at interest + any dividends credited at death) minus (loans + loan interest) none Enhanced Accelerated Benefit Rider, Select Security Rider Illinois Mutual Life Life Foundations Whole Life (Single Pay Option) All States Except AK DC HI MT NJ NY 0-80 Based on minimum death benefit of --- Minimum NA Dividend paying contract, guaranteed protection to 121, guaranteed asset growth, loans and withdrawals of dividend values allowed, Accelerated Death Benefit Lincoln National Life Insurance Co., The Lincoln InReach(SM) UL All States Except IL NY PA The guaranteed death benefit can be up to 3x the initial premium. Enhanced Surrender Value Endorsement, which will pay for the life of the policy. Additional Accelerated Benefit Rider may allow for partial acceleration of the death benefit. Lincoln National Life Insurance Co., The Lincoln MoneyGuard Reserve All States Except UT WA $25,000 Up to 2x the initial premium and can be accelerated and leveraged for qualified long-term care reimbursement up to 6x the initial premium. Surrender charges are graded down over a 20 year period. MoneyGuard is a hybrid product combining life insurance and long term care protection. It utilizes streamlined underwriting, allowing for a policy to be issued in as few as 8 days. 3

4 Motorists Life Insurance Co Non par whole life single pay FL GA IL IN IA KY MI NE OH PA SC TN VA WV WI 0-80 ages 0-39 $ 5,000 ages cash value growth guaranteed 100% of face amount less any loaned amount Surrender value is cash value of contract year of surrender Accelerated benefit, option to purchase rider, accidental death benefit rider MultiChoice Marketing Group MultiChoice Single Premium Life All States Except MA MT PA VT Greater of or the amount required for a $25,000 face amount. 2% minimum annual effective interest rate guarantee. The Level Death Benefit Option. 12-year decreasing schedule based on the initial premium. Simplified underwriting product. Nursing Home, Accelerated Death Benefit, and Life Protector Riders are available. Mutual Trust Financial Group x5308 Legacy One All States Except AK NY % interest rate is applied in the calculation of guaranteed cash values. Varies by face amount. None Optional riders include accelerated death benefit. National Guardian Life HYPERLINK Asset Guard Single Premium Guarantee Issue Whole Life All States Except ME NY 0-99 $500 Inflationary Death Benefit up to 3%. Depending on age Irrevocable No Guarantee Issue from age 0 to age 99. Includes an Irrevocable funeral trust and or Irrevocable Estate Trust. 4

5 National Life Insurance Co NL LifeBuilder I All States 0-85 premium must be at least sufficient to solve minimum face of 25,000 not applicable, product is participating whole life minimum of 25,000 not applicable, product is participating whole life Terminal, chronic and critical illness accelerated benefit riders National Western Life Insurance Co NWL Lifetime Returns Select - Single Premium All States Except MA MN NJ NY OK PA $25, % Account Balance minus loans and loan interest 1st Policy Year. 7%-5.5% of single pay target varies by age. Max Years: 14 Living Benefit Rider Accelerated Benefit Rider Paid Up Life Insurance Rider Nationwide Financial Nationwide YourLife Single Premium UL All States (higher minimum premiums apply if LTC Rider is elected, varies by age) 3% Guaranteed Death Benefit 10 year declining surrender charge associated with the first premium payment. LTC Rider with Nationwide CareGuide Network (subject to state availability), 10 Minute Instant Decision - Simplified Underwriting (including LTC), Return of Premium, Oxford Life Insurance Co Advance Wealth Transfer All States Except AL LA MA MS MT NY VT VA WV Based on net amount at risk -- Ages 50-80: $100,000 NAR; Ages 81-85: $50,000 NAR. 5% Level None There are three accelerated death benefits available, for no additional cost - (1) Terminal Illness, (2) Nursing Home Care, and (3) Home Health Care. Benefits may not be available in all states. A telephone interview provides an immediate approval decision for all applications. 5

6 Protective Life HeritageGuard SPWL % Death benefit is determined by multiplying the amount of the purchase payment by the appropriate factor (based on age, underwriting, and gender). Minimum purchase payment is, Maximum without Home Office approval is $500, year declining schedule: 5, 5, 5, 5, 5, 4, 3, 2, 1, 0% No LTC Rider available in states where approved, Return of Premium Benefit Rider, Royal Neighbors of America Royal Legacy Life All States Except AL AZ HI LA MA NH NY SC Not applicable Based on premium - maximum premium is $250,000 Not applicable Accelerated living benefit rider Standard risk up to table 4 Sagicor Life Insurance Co Fixed Indexed Single Premium Whole Life All States Except MA MT NJ NY NC OR PA UT VA % No minimum face amount. 10 Years; 12,12,11,10,9,8,7,6,4,2 Accelerated Benefit Insurance Rider & Terminal Condition and Chronic Illness Sagicor Life Insurance Co Interest Sensitive Single Premium Whole Life All States Except MA NY OR PA 15 days % Years; 8,8,7,7,6,5,4,3,2,1 Accelerated Benefit for Terminal and Chronic Illness 6

7 Standard Life and Accident Classic Elite All States Except AL AK DC ME MT NH NJ NY SD Whole Life Guaranteed death benefit based on premium, age, sex and smoker status Whole life - cash and surrender value based on premium, age, sex and smoker status Accelerated Death Benefit for Terminal Illness or medically necessary long term care related expense State Life Insurance Co., The HYPERLINK Asset-Care All States Except NJ NY Depends upon single premium paid. Maximum face allowed is $1.5 million. 10-years Full access to the death benefit for qualifying long-term care expenses. Optional lifetime long-term care benefits Joint life second-to-die available Symetra Life Insurance Co Successor Single Premium Life All States Except MD MA PA % gross Policy is guaranteed to not terminate due to insufficient fund values before the policy anniversary following the insured s 120th birthday. 10 years. Return of premium guarantee. United of Omaha Legacy SPL All States Except MD MA PA VT minimum single premium: guaranteed minimum interest rate: 3.00% Face amounts are limited to a maximum Net Amount at Risk (NAR). Surrender charges last for 9 years. Accelerated Death Benefit for Terminal Illness/Chronic Illness; Living Benefit Liquidity Feature-waiver of surrender charges for partial withdrawals made for specified events; Simplified Underwriting; Short Application; Guaranteed Return of Premium after the 5th policy year; quick issue process; no fluid requirements 7

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