Whole Life II. Protection They Can Count On. What you ll find inside... Life Insurance

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1 Marketing Guide Life Insurance Whole Life II Protection They Can Count On What you ll find inside... Product Highlights Target Audience Product Details Available Riders FOR BROKER-DEALER OR AGENT USE ONLY LBL8178-1

2 Final expenses can be higher than many think, and no one wants to leave grieving family members with a bill they may not be able to afford. That s where Whole Life II comes in. This permanent life insurance coverage can be a great way for your customers to ensure that they will not be a burden to their loved ones when they die. Need a hand? At LBL, our business is all about relationships. We re here to help you every step of the way, whether it s learning about benefits of a product, creating a marketing campaign, or completing a sales illustration lblsales.com FOR BROKER-DEALER OR AGENT USE ONLY

3 Hitting the highlights. This product can be a great option for customers wanting permanent life insurance to cover final expenses. When discussing the benefits of Whole Life II, be sure to touch on the following selling points: straightforward Coverage It is a simple, affordable life insurance solution for individuals interested in basic permanent coverage. consistent Premiums The premium payments are guaranteed to remain the same over the life of the policy. cash Value Accumulation The cash value of a Whole Life II policy can serve as a financial safety net. Customers can take out policy loans to help manage current or unexpected expenses. 1 The right audience. Customers who will benefit most from this product include: People with minimal estate planning needs who want affordable coverage and a guaranteed premium. Elderly individuals looking to avoid placing the financial burden of their burial expenses on their loved ones. Quick Quotes Getting a quote is simple using the illustration software. Download your copy today at lblsales.com.

4 Getting to the specifics. Issue Ages/Underwriting Classes Standard Nonsmoker Standard Smoker Minimum Face Amount $10,000 $25,000 in Washington Maximum Face Amount $50,000 Premium Payment Options Monthly Auto-Deduction Quarterly Quarterly Auto-Deduction Semiannually Semiannually Auto-Deduction Annually Modal Factors Frequency Direct Bill Auto-Deduction Semiannually Quarterly Monthly n/a.0875 Grace Period 31 days FOR BROKER-DEALER OR AGENT USE ONLY

5 Automatic Premium Loan 1 A policy owner can authorize a policy loan (called an automatic premium loan) from the policy value to pay any premiums that remain unpaid at the end of the policy s grace period. This loan may be requested at the time of application or at a later time by written request Exchanges Not accepted Policy Fee $90 annually Flat Extras Allowed, table ratings range from 1(A) through 16(P) Loans 1 $250 minimum loan amount Permitted once cash surrender value is available Charged 8% interest Total outstanding loan must not exceed cash surrender value

6 Riders for added protection. 2 Rider Series Issue ages Issue Limits Fees Benefit to customer Accelerated Death Benefit Rider Permanent Confinement 3 LR0718 All Automatically available; customers must complete the ADB disclosure form that accompanies the policy prior to receiving rider benefits No cost to have the rider added to the policy; if used, an interest discount and an administrative fee will apply Early payment of part of the death benefit if confined to a nursing care facility for at least a year and expected to remain there permanently; maximum total payment is the lesser of 80% of the death benefit or $250,000 (limit applies to all policies issued by us on the life of the insured) Accelerated Death Benefit Rider Terminal Illness 3 LR0717 All Automatically available; customers must complete the ADB disclosure form that accompanies the policy prior to receiving rider benefits No cost to have the rider added to the policy; if used, an interest discount and an administrative fee will apply Early payment of part of the death benefit if diagnosed with a terminal illness; maximum of three payments for terminal illness; total payments can be no more than the lesser of 80% of the death benefit or $250,000 (limit applies to all policies issued by us on the life of the insured) Accidental Death Benefit Rider LR Minimum of $5,000; maximum of the lesser of $250,000 or total coverage on the base insured; coverage terminates on the policy anniversary following the insured s 70th birthday Vary by issue age An increased benefit if the insured s death occurs due to a covered accident Children s Level Term Rider LR Children covered must be ages 17 and under; sold in ½ units where ½ unit equals $2,500; minimum of ½ unit ($2,500); maximum of 4 units ($20,000); can be added after issue; not available on business-owned policies $15 per ½ unit annually Coverage for natural or legally adopted children and, in many cases, stepchildren Waiver of Premium Rider LR Maximum of $10,000; not available with annual premiums greater than $10,000; policy requirements must be satisfied to confirm total disability; coverage terminates on the policy anniversary following the insured s 60th birthday Vary by issue age A premium waiver for the duration in which the insured is totally disabled Rider issuance is subject to state availability. Contact the home office to find out whether a rider is approved in your state. At age 100, all riders will be canceled except the Accelerated Death Benefit Riders. FOR BROKER-DEALER OR AGENT USE ONLY

7 Future policy changes. Nonforfeiture Options Reduced Paid-Up Nonforfeiture allows a customer to use the cash value available for surrender to purchase paid-up life insurance. The benefit amount will be based on the customer s age at that time. This is the default nonforfeiture option, but it is not available if the benefit would be less than $1,000. Extended-Term Nonforfeiture provides the ability to purchase extended-term insurance coverage. The cash value available for surrender can be used as a single premium, and the length of the term will be based on the insured s age at that time. Riders 2 The Children s Level Term Rider can be added to an in-force policy through age 64. This rider is subject to availability, and additional underwriting will be required. Changes at Age 100 The following will occur on the policy anniversary following the insured s 100th birthday: The policy fee and premiums are waived. The surrender value continues to earn the guaranteed credited interest rate of 3%. All riders are cancelled except the Accelerated Death Benefit Riders. Policy Reviews Your customers situations will most likely change over the years, and their policies need to keep up. We recommend that you meet with them to review their policy every one to two years. Life insurance review materials can be found on lblsales.com.

8 lblsales.com 1 Loans or partial withdrawals can reduce the policy s cash value and death benefit, can increase the possibility of policy lapse, and may result in a tax liability. Consult a tax advisor for additional information on the tax treatment of loans or withdrawals from a life insurance policy. 2 Please see riders for terms, conditions, and restrictions. Additional costs may apply. Subject to state-specific terms and availability. 3 A disclosure form must be completed prior to receiving benefits under these riders. An administrative expense will be charged if the benefit is used. Receipt of accelerated benefits may be taxable. Tax laws relating to accelerated benefits are complex. Please consult a tax advisor. Receipt of accelerated benefits may also impact eligibility for public assistance programs. All guarantees are based on the claims-paying ability of Lincoln Benefit Life Company. Neither Lincoln Benefit Life nor its agents and representatives can give legal or tax advice. Whole Life II is a permanent life insurance policy issued by Lincoln Benefit Life Company, Lincoln, NE, a wholly owned subsidiary of Allstate Life Insurance Company, Northbrook, IL. Whole Life II is available in most states with contract series LP0720 and rider series LR0717, LR0718, LR0709, LR0707, and LR0708. Allstate Life Insurance Company is not responsible, as parent, for the contractual or financial obligations of Lincoln Benefit Life Company. Not FDIC, NCUA/ NCUSIF insured Not insured by any federal government agency Not a deposit No bank or credit union guarantee May go down in value 2012 Allstate Insurance Company Revised January 2012 The most current version is available electronically at lblsales.com. FOR BROKER-DEALER OR AGENT USE ONLY Not for public dissemination. May not be distributed, reprinted or shown to the public in oral, written or electronic form as sales material. LBL8178-1