Term. 10, 20 & 30-year level premium Annual Renewal Term (ART) /10

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1 Term 10, 20 & 30-year level premium Annual Renewal Term (ART) /10

2 At Aviva, we believe insurance doesn t have to cost an arm and a leg. And we realize that just like when it comes to clothing, a one-size-fits-all tag is never true. That s why we re pleased to offer Term life insurance, an affordable option that can be tailored to suit your needs. You see, Aviva doesn t just sell products - we provide solutions to the constant ups and downs life sends your way. It s how our life insurance product becomes your personal, customized policy: part of your life, part of your future, part of YOU.

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4 What makes Term life insurance different from other types of insurance is that you can lock in your premium amount for a relatively short amount of time as low as one year or 10 years and up to 20 or 30 years so you don t have to worry that your insurance premiums are going to fit within your budget one year and skyrocket the next. Term provides affordable protection for you and your family now instead of forcing you to put life insurance off until a more permanent policy can fit into your finances. With Term, you can breathe a little easier knowing your family and loved ones will have some financial protection in the event of your death no matter what your budget for life insurance is. If you should unexpectedly pass away, your beneficiaries will receive money from your policy called a death benefit, which is tax-free and can be used for any purpose, including going toward paying off credit card debt, mortgages, car loans, or your children s education. When you decide the time is right for you to purchase a more permanent policy, you can convert your Term policy into one of our other products that may offer more flexibility to meet your needs in the future. And conversion is easy no additional medical exams or blood work will be needed. You simply need to convert before the end of your level term period (during the first ten years for ART) and prior to age 75. Issue Ages Annual Renewal Term (ART) year term year term year term The minimum face amount is $100,000 for the 10-year term, $50,000 for the 20 and 30-year terms, and $500,000 for ART. 1 Maximum issue age is 70 for tobacco classes. 2 Maximum issue age is 60 for tobacco classes. 3 Maximum issue age is 50 for tobacco classes.

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6 Customize any term product to make it the policy you need Aviva s term plans include several rider options* to help you tailor your policy to what will best suit your specific needs. Riders that provide added protection Accelerated Benefits This rider allows you to access up to 50 percent of the policy s death benefit (up to a maximum of $250,000) for expenses related to terminal illness when the life expectancy of the insured is 12 months or less. (Form 2ABRF06) Accidental Death Benefit The death benefit amount is increased in the event of death as a result of an accident. (Form 21024F02) * Riders are subject to state availability, certain limitations and may require additional fees or premiums. See terms of the rider for full details.

7 Riders for use in the event of disability Waiver of Premium If you become disabled, premiums due after your disability begins will be waived provided the disability lasts at least six months and begins between ages 18 and 65. Disability is defined as the inability to perform your own job for the first 24 months and any job thereafter for which one is suited. Benefits, including those premiums currently being waived, stop at age 65. If you decide to convert your policy to a permanent product while on disability, the premium on your new policy will not be waived unless you add the Waiver of Premium Plus Rider (see below). (Form 21043F02) Waiver of Premium Plus This rider provides the same benefits upon disability as the Waiver of Premium rider with the additional benefit of allowing you to convert coverage to a permanent plan while disabled with continued waiver of future premiums. Benefits can be extended to the Additional Insured Rider (see next rider) if it s included on the policy. (Form 11741L97) Riders that provide the option of additional insurance coverage Additional Insured Rider Provides term life insurance protection for up to three additional people, provided they fall within the age range. (Form 21052F02) Children s Insurance Provides term life insurance for children of the insured, including children born to or adopted by the insured, stepchildren or legally adopted children of the insured. Issue ages of children are 15 days through 17 years; the minimum amount of coverage is $2,000 per child and the maximum amount of coverage is $20,000 per child. You can keep insurance on your child until they turn 25, at which point you can convert it into a policy for up to five times the face amount of term insurance provided by the rider. (Form 2CIBUA09)

8 Products issued by Aviva Life and Annuity Company 7700 Mills Civic Parkway West Des Moines, IA At Aviva, we never forget our business is about the people we insure. As you read this, thousands of Aviva associates are focused on our simple three-letter mission statement: You You can count on us to be here when you need us. We re making business and investment decisions to ensure we meet our obligations to you and your loved ones. We re developing new ways to provide better service to you. We re challenging ourselves to reinvent the way we look at life insurance and annuities, so we can continue to meet the financial needs of a changing world your world. Most of all, we re drawing on the experience of our parent company, Aviva plc, with their more than 300-year legacy. As the oldest continuously operating insurance group in the world, Aviva has endured and thrived through centuries of war and peace, booms and recessions and constant change. The highs and lows have taught us to be prepared so you can count on us, especially during times of uncertainty. We are honored you ve put your trust in Aviva. We won t let you down. This brochure contains highlights only. You should refer to the Term policy for a full explanation. All tax related information contained herein is based on our current understanding of federal tax laws as they relate to life insurance or other subject matter discussed. These laws are subject to change in the future. Neither Aviva nor its representatives offer legal or tax advice. You should consult a personal tax advisor on any tax matters. In order to comply with certain U.S. Treasury regulations, please be advised of the following: Unless expressly stated otherwise, any U.S. Federal tax advice contained in these materials, including attachments, is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Products issued by and all policy benefits are the responsibility of Aviva Life and Annuity Company and not that of any other insurer or company. Policy form 2TAF05. Availability varies by state /10