Application Details Age: 33 Child Term Rider: $10,000 Insurance Class: Standard Non Tobacco Waiver of Premium Rider Yes

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1 Pre Scenario: (CTR), and a Waiver of Premium Rider. Face Amount: $300,000

2 Scenario A: Adding a Flexible Payment Paid-up Additions Rider (CTR), and a Waiver of Premium Rider. As the producer is discussing the coverage, Mr. Rodente asks about adding more life insurance and building up additional cash value in the certificate. The producer suggests adding a Flexible Payment Paid-up Additions Rider (PUAR) which would help provide additional protection and build additional cash value. Mr. Rodente decided he could afford $50 a month. Face Amount: $300,000

3 Scenario B: Adding a Single Payment Paid-up Additions Rider (CTR), and a Waiver of Premium Rider. As outlined in Scenario A, Mr. Rodente added a Flexible Payment Paid-up Additions Rider. As the producer continues discussing the benefits of Foresters Advantage Plus Whole Life insurance with Mr. Rodente, he learns that his client has of cash value in an old life insurance policy. After reviewing the old policy with his client and discussing the advantages and disadvantages of replacing the policy, Mr. Rodente decides he would like to replace the old policy and deposit the as a 1035 exchange lump-sum payment into a Single Payment Paid-up Additions Rider.

4 Scenario C: Taking a Policy Loan (CTR), and a Waiver or Premium Rider. As outlined in Scenarios A & B, Mr. Rodente added a Flexible Payment Paid-up Additions Rider and a Single Payment Paid-up Additions Rider. As the producer continues discussing Mr. Rodente s financial needs, he learns that his client hasn t put aside any money for his children s college education. Mr. Rodente s children are aged 4 and 2. He wanted to know how much money he could borrow against the cash value of his certificate when his children start college. Certificate Loan: Maximum Loan or Optimal Amount Loan Repayment: $50 per month

5 Scenario D: Making a One-Time Surrender of Paid-up Additions (CTR), and a Waiver of Premium Rider. As outlined in Scenarios A & B, Mr. Rodente added a Flexible Payment Paid-up Additions Rider and a Single Payment Paid-up Additions Rider. During their discussions, Mr. Rodente indicated that in the future he would like to be able to surrender paid-up additions to help pay for his daughter s wedding (or: help his children with a down payment on a home, take a dream trip, etc.). Dividend Withdrawal: Single

6 Scenario E: Multiple Surrenders of Paid-up Additions (CTR), and a Waiver of Premium Rider. As outlined in Scenarios A & B, Mr. Rodente added a Flexible Payment Paid-up Additions Rider and a Single Payment Paid-up Additions Rider. As part of their financial discussions, Mr. Rodente mentioned that he had concerns about supplementing his income if he lost his job. The producer suggested that he could surrender paid-up additions on an ongoing basis to help cover any loss of income. Dividend Withdrawal: Multiple

7 Scenario F: Adding a Term Rider Mrs. Jane Ratatouille is a 45-year-old Foresters prospect. She is a non-smoker, single with a 10-year old child. She bought a house 5 years ago, but didn t have any insurance to cover her mortgage. She is now interested in purchasing a Foresters Advantage Plus Whole Life certificate with a face amount of $100,000 including the following riders: a $10,000 Child Term Rider (CTR), and a Waiver of Premium Rider. During their discussions, Mrs. Ratatouille indicated to the producer that she would like to add some additional coverage to help protect the balance of the mortgage on her home. The producer suggested adding a 20-Year Term Rider. Age: 45 Child Term Rider: $10,000 Insurance Class: Standard Non Tobacco Waiver of Premium Rider: Yes Non- 20 Year Term Rider: $150,000 Face Amount: $100,000