SAGE Scholars Tuition Rewards Program - Return of Premium Life Insurance

c a s h b a c k life insurance

What is Cashback Life? Return of Premium

I am more concerned with the return of my money than the return on my money. Mark Twain Cashback Life 20 and 30 address both of Mark Twain s concerns... Return of my money and Return on my money

Cashback Life 20 and 30 offer an excellent alternative to traditional term life insurance.

What is traditional term life insurance? Simplest form of life insurance Lowest cost life insurance Provides coverage for a specified period of time i.e., 10, 15, 20 or 30 years No Return of Premium!

What happens at the end of the policy s term period? You have two choices: Cancel the policy Pay the prohibitively expensive renewal premiums

How is Cashback Life different? At the end of the Cashback Life policy s term period you have four choices: Pay the prohibitively expensive renewal premiums* Cancel the policy and receive 100 percent of the premiums** paid a return of your money Apply for a guaranteed reduced paid-up policy* Apply for an extended term policy which will carry the original death benefit for a guaranteed period of time* *Cashback Life series may not be available in all states and not all states may have the same version. **Excludes riders and substandard premiums.

How Cashback Life works... Death Benefit money All your money is returned!* 20 or 30 years Cumulative Premium Cash Value t ime *Excludes riders and substandard premiums.

Which type of life insurance protection is best for you? It depends on how long you plan on keeping the coverage in force. When comparing ongoing premium payments of the two types of life insurance policies, there will be a year in which the total net cost of the Cashback Life becomes less than the total net cost of a traditional term policy. This is referred to as the Crossover Point.

How the Crossover Point works... Male Age 30 Standard Nontobacco $250,000 Premiums Level 20 Term: $32 monthly premium Cashback Life 20: $66.87 monthly premium Level 20 Cashback Life 20 Premium Total Premium Cash Total Age Year Outlay Net Cost Outlay Value Net Cost 31 1 384 384 802.44 0 802.44 32 2 384 768 802.44 0 1,604.88 33 3 384 1,152 802.44 0 2,407.32 34 4 384 1,536 802.44 500 2,709.76 condensed for example 41 11 384 4,224 802.44 4,415.00 4,411.84 42 12 384 4,608 802.44 5,537.50 4,091.78 43 13 384 4,992 802.44 6,580.00 3,851.72 44 14 384 5,376 802.44 7,705.00 3,529.16 Crossover Point* In this example, if the insured plans on keeping the coverage in force for 12 years or longer his total net cost is less with the Cashback Life 20. *The crossover point may be shorter or longer based on age, gender and rate class.

What if... Could you do better buying the lower cost term and saving the difference? Perhaps... Let s look at the 30-year-old male again. $250,000 Life Insurance Level 20 Term Insurance Cashback Life 20 $32 monthly premium $66.87 monthly premium Difference = $34.87 If still living in 20 years, receive $0. If still living in 20 years, receive $16,050 tax-free. *The before tax return may be higher or lower based on age, gender and rate class. Assuming a 30% tax bracket this equates to a 8.37 percent return*.

Can you access the policy s cash value before the end of the 20 or 30 years? Yes. You can borrow funds from the Cashback Life 20 or 30 policy in the event of an emergency cash need such as making a mortgage payment.* *If available, loans reduce the Cashback Life s death benefit and cash value available for use.

Do you have options other than taking the money? Yes. The Cashback Life 20 and 30 offer two nonforfeiture options.

Paid-Up Insurance Nonforfeiture Option Male Age 30 Standard Nontobacco $250,000 Cashback Life 20 $66.87 Monthly Premium Table of Guaranteed Values End of Cash or Paid-Up Policy Year Loan Value Insurance 1 $0 $0 2 $0 $0 3 $0 $0 4 $500 $3,750 5 $500 $3,500 6 $642.50 $4,250 7 $1,285.00 $8,250 8 $2,087.50 $12,750 9 $2,727.50 $16,000 10 $3,370.00 $18,750 11 $4,415.00 $23,750 12 $5,537.50 $28,500 13 $6,580.00 $32,250 14 $7,705.00 $36,250 15 $8,987.50 $40,750 16 $10,272.50 $44,500 17 $11,717.50 $48,750 18 $13,160.00 $52,750 19 $14,605.00 $56,250 20 $16,050.00 $59,250 Not all states will have the same version of the Cashback Life series.

Extended Term Insurance Nonforfeiture Option Male Age 30 Standard Nontobacco $250,000 Cashback Life 20 $66.87 Monthly Premium Table of Guaranteed Values End of Cash or Extended Term Insurance Policy Year Loan Value Years Days 1 $0 0 0 2 $0 0 0 3 $0 0 0 4 $500 1 349 5 $500 1 321 6 $642.50 2 107 7 $1,285.00 4 97 8 $2,087.50 6 92 9 $2,727.50 7 122 10 $3,370.00 8 54 11 $4,415.00 9 227 12 $5,537.50 10 345 13 $6,580.00 11 288 14 $7,705.00 12 166 15 $8,987.50 13 30 16 $10,272.50 13 196 17 $11,717.50 13 363 18 $13,160.00 14 96 19 $14,605.00 14 133 20 $16,050.00 14 121 Not all states will have the same version of the Cashback Life series.

What Cashback Life 20 and 30 can offer you... Both a return of your money, as well as an excellent return on your money! Mark Twain would be pleased! Questions?

Cashback Life 20 and 30 Rates Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Issue Age Restrictions Minimum Issue Limits Cashback Life 20 PENT, PNT, SNT 20-60 PT, ST 20-55 Cashback Life 30 PENT, PNT, SNT, PT 20-50 Male ST 50,000 - $99,999 20-43 All other ST 20-45 Age near birthday calculation Cashback Life 20 PENT, PNT, SNT Issue ages 20-49 $100,000 Issue ages 50+ $50,000 SNT, ST All issue ages $50,000 Cashback Life 30 PENT, PNT, SNT Issue ages 20-50 $100,000 SNT, ST All issue ages $50,000 KEY PENT Preferred Elite Nontobacco PNT Preferred Nontobacco SNT Standard Nontobacco PT ST Preferred Tobacco Standard Tobacco For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $50,000 - $99,999 20 4.42 5.45 21 4.59 5.71 22 4.79 6.00 23 4.99 6.31 24 5.19 6.69 25 5.39 7.11 26 5.53 7.44 27 5.67 7.78 28 5.82 8.14 29 5.97 8.52 30 6.12 8.92 31 6.28 9.33 32 6.44 9.76 33 6.61 10.21 34 6.78 10.69 35 6.95 11.18 36 7.25 12.07 37 7.55 13.03 38 7.86 14.06 39 8.16 15.18 40 8.46 16.39 41 8.76 17.69 42 9.07 19.10 43 9.46 20.62 44 9.87 22.26 45 10.30 24.03 46 10.98 24.80 47 11.70 25.60 48 12.47 26.43 49 13.30 27.28 50 7.96 9.56 14.17 18.48 28.16 51 8.97 10.66 15.11 20.62 29.07 52 10.12 11.89 16.10 23.02 30.00 53 11.41 13.26 17.16 25.69 30.97 54 12.86 14.79 18.29 28.67 31.97 55 14.50 16.50 19.50 32.00 33.00 56 15.96 18.18 21.48 57 17.56 20.02 23.66 58 19.32 22.05 26.07 59 21.26 24.29 28.71 60 23.52 26.76 31.63 Sample Quote Male Age 40 SNT $75,000 Specified Amount Age Near Birthday $ 634.50 Annually (8.46 x 75) $ 317.25 Semiannually (Multiply annual by 0.50) $ 158.62 Quarterly (Multiply annual by 0.25) $ 52.87 Monthly (Multiply annual by 0.08333) See female rates on reverse. For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $50,000 - $99,999 20 3.98 4.37 21 4.21 4.75 22 4.46 5.17 23 4.73 5.62 24 5.00 6.11 25 5.30 6.65 26 5.44 6.80 27 5.59 6.95 28 5.74 7.11 29 5.89 7.27 30 6.05 7.43 31 6.21 7.60 32 6.37 7.77 33 6.55 7.94 34 6.72 8.12 35 6.90 8.30 36 7.17 8.97 37 7.45 9.70 38 7.74 10.48 39 8.05 11.33 40 8.36 12.24 41 8.69 13.23 42 9.02 14.30 43 9.38 15.46 44 9.75 16.71 45 10.14 18.06 46 10.53 18.87 47 10.93 19.72 48 11.35 20.60 49 11.78 21.52 50 6.32 8.02 12.23 14.62 22.49 51 7.10 8.80 12.70 16.40 23.50 52 7.97 9.65 13.19 18.41 24.55 53 8.96 10.59 13.69 20.65 25.65 54 10.06 11.62 14.22 23.17 26.80 55 11.30 12.75 14.76 26.00 28.00 56 12.38 13.90 15.91 57 13.57 15.15 17.16 58 14.88 16.51 18.50 59 16.30 17.99 19.94 60 17.87 19.61 21.50 Sample Quote Female Age 40 SNT $75,000 Specified Amount Age Near Birthday $ 627.00 Annually (8.36 x 75) $ 313.50 Semiannually (Multiply annual by 0.50) $ 156.75 Quarterly (Multiply annual by 0.25) $ 52.24 Monthly (Multiply annual by 0.08333) For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $100,000 - $149,999 20 2.48 2.91 3.64 4.09 4.91 21 2.51 2.93 3.66 4.32 5.12 22 2.56 2.95 3.68 4.55 5.37 23 2.61 2.98 3.71 4.79 5.62 24 2.68 3.01 3.73 5.02 5.94 25 2.75 3.05 3.75 5.25 6.30 26 2.80 3.10 3.81 5.45 6.61 27 2.85 3.15 3.88 5.64 6.88 28 2.90 3.20 3.96 5.81 7.10 29 2.96 3.26 4.05 5.96 7.28 30 3.01 3.32 4.15 6.09 7.41 31 3.07 3.38 4.26 6.20 7.55 32 3.12 3.46 4.38 6.32 7.71 33 3.18 3.55 4.52 6.45 7.88 34 3.24 3.65 4.71 6.59 8.06 35 3.30 3.75 4.95 6.75 8.25 36 3.37 3.96 5.23 7.21 8.84 37 3.43 4.18 5.52 7.71 9.48 38 3.58 4.39 5.81 8.24 10.16 39 3.72 4.61 6.12 8.80 10.89 40 3.84 4.82 6.44 9.40 11.67 41 4.04 5.03 6.77 10.05 12.50 42 4.30 5.25 7.11 10.74 13.40 43 4.55 5.46 7.47 11.47 14.36 44 4.85 5.90 7.88 12.26 15.40 45 5.20 6.38 8.45 13.10 16.50 46 5.54 6.85 9.06 13.97 17.57 47 5.91 7.34 9.70 14.91 18.72 48 6.30 7.88 10.40 15.90 19.94 49 6.71 8.46 11.14 16.96 21.23 50 7.15 9.07 11.94 18.10 22.62 51 7.62 9.73 12.80 19.31 24.09 52 8.13 10.44 13.72 20.59 25.66 53 8.66 11.21 14.70 21.97 27.33 54 9.23 12.02 15.75 23.44 29.11 55 9.84 12.90 16.88 25.00 31.00 56 10.82 14.21 18.59 57 11.90 15.65 20.48 58 13.08 17.24 22.56 59 14.38 18.99 24.86 60 15.81 20.92 27.38 Sample Quote Male Age 38 PNT $125,000 Specified Amount Age Near Birthday $ 548.75 Annually (4.39 x 125) $ 274.37 Semiannually (Multiply annual by 0.50) $ 137.18 Quarterly (Multiply annual by 0.25) $ 45.72 Monthly (Multiply annual by 0.08333) See female rates on reverse. For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $100,000 - $149,999 20 2.06 2.63 2.88 3.20 3.46 21 2.13 2.68 3.00 3.38 3.68 22 2.20 2.76 3.13 3.58 3.91 23 2.27 2.84 3.27 3.79 4.15 24 2.35 2.92 3.41 4.02 4.39 25 2.43 3.00 3.53 4.25 4.60 26 2.50 3.05 3.62 4.44 4.78 27 2.56 3.10 3.71 4.59 4.95 28 2.61 3.15 3.81 4.70 5.11 29 2.65 3.21 3.92 4.77 5.27 30 2.68 3.27 4.04 4.85 5.44 31 2.70 3.33 4.17 4.96 5.62 32 2.75 3.38 4.31 5.09 5.81 33 2.82 3.46 4.46 5.24 6.04 34 2.93 3.58 4.64 5.42 6.30 35 3.06 3.70 4.90 5.65 6.60 36 3.19 3.91 5.15 5.92 7.02 37 3.34 4.12 5.42 6.25 7.47 38 3.42 4.33 5.70 6.59 7.95 39 3.49 4.54 6.00 6.94 8.45 40 3.59 4.74 6.31 7.30 8.99 41 3.74 4.95 6.64 7.67 9.57 42 3.85 5.16 6.98 8.09 10.18 43 3.99 5.40 7.35 8.58 10.82 44 4.18 5.73 7.73 9.18 11.52 45 4.40 6.12 8.13 9.90 12.25 46 4.63 6.47 8.61 10.61 13.02 47 4.89 6.80 9.12 11.38 13.83 48 5.21 7.18 9.66 12.20 14.70 49 5.51 7.59 10.24 13.08 15.62 50 5.80 8.01 10.84 14.02 16.60 51 6.10 8.45 11.49 15.03 17.64 52 6.41 8.96 12.17 16.11 18.75 53 6.74 9.46 12.89 17.27 19.92 54 7.17 9.96 13.65 18.52 21.17 55 7.60 10.48 14.46 19.85 22.50 56 8.33 11.30 15.57 57 9.13 12.18 16.76 58 10.01 13.14 18.04 59 10.97 14.16 19.42 60 12.02 15.27 20.90 Sample Quote Female Age 38 PNT $125,000 Specified Amount Age Near Birthday $ 541.25 Annually (4.33 x 125) $ 270.62 Semiannually (Multiply annual by 0.50) $ 135.31 Quarterly (Multiply annual by 0.25) $ 45.10 Monthly (Multiply annual by 0.08333) For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $150,000 - $249,999 20 2.20 2.66 3.20 3.46 4.42 21 2.21 2.67 3.21 3.62 4.65 22 2.22 2.68 3.23 3.80 4.88 23 2.23 2.70 3.25 4.00 5.13 24 2.25 2.72 3.27 4.21 5.39 25 2.27 2.74 3.30 4.44 5.67 26 2.30 2.79 3.38 4.66 5.86 27 2.32 2.85 3.48 4.87 6.05 28 2.35 2.91 3.58 5.07 6.25 29 2.37 2.98 3.68 5.26 6.46 30 2.40 3.05 3.78 5.45 6.67 31 2.43 3.11 3.87 5.64 6.89 32 2.48 3.18 3.96 5.83 7.12 33 2.54 3.28 4.10 6.02 7.36 34 2.62 3.38 4.25 6.21 7.60 35 2.74 3.52 4.44 6.40 7.85 36 2.83 3.71 4.68 6.82 8.38 37 2.92 3.90 4.95 7.28 8.94 38 3.03 4.10 5.21 7.76 9.54 39 3.16 4.30 5.50 8.28 10.19 40 3.31 4.51 5.81 8.83 10.87 41 3.49 4.72 6.14 9.41 11.60 42 3.74 4.95 6.49 10.04 12.39 43 4.01 5.20 6.86 10.70 13.22 44 4.31 5.48 7.27 11.41 14.11 45 4.65 5.80 7.73 12.17 15.06 46 5.00 6.25 8.36 13.04 16.18 47 5.37 6.74 9.04 13.96 17.38 48 5.78 7.27 9.77 14.96 18.67 49 6.21 7.83 10.56 16.02 20.05 50 6.68 8.45 11.42 17.16 21.54 51 7.18 9.11 12.35 18.38 23.13 52 7.72 9.82 13.35 19.68 24.85 53 8.30 10.58 14.43 21.08 26.69 54 8.92 11.41 15.60 22.58 28.67 55 9.59 12.30 16.87 24.19 30.80 56 10.56 13.55 18.58 57 11.64 14.93 20.47 58 12.82 16.44 22.55 59 14.12 18.11 24.85 60 15.55 19.95 27.37 Sample Quote Male Age 30 ST $200,000 Specified Amount Age Near Birthday $1,334.00 Annually (6.67 x 200) $ 667.00 Semiannually (Multiply annual by 0.50) $ 333.50 Quarterly (Multiply annual by 0.25) $ 111.16 Monthly (Multiply annual by 0.08333) See female rates on reverse. For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $150,000 - $249,999 20 1.74 2.23 2.51 2.61 3.00 21 1.75 2.27 2.60 2.76 3.17 22 1.76 2.32 2.69 2.92 3.36 23 1.80 2.37 2.78 3.09 3.55 24 1.83 2.41 2.88 3.27 3.76 25 1.87 2.46 2.98 3.46 3.98 26 1.92 2.55 3.10 3.60 4.16 27 1.98 2.64 3.22 3.74 4.35 28 2.03 2.73 3.35 3.89 4.55 29 2.09 2.82 3.48 4.04 4.76 30 2.15 2.92 3.62 4.20 4.98 31 2.21 3.02 3.76 4.37 5.20 32 2.27 3.13 3.91 4.54 5.44 33 2.34 3.23 4.04 4.72 5.69 34 2.40 3.33 4.20 4.91 5.95 35 2.47 3.47 4.39 5.10 6.22 36 2.56 3.65 4.63 5.42 6.57 37 2.74 3.83 4.88 5.76 6.94 38 2.82 4.01 5.16 6.13 7.34 39 2.89 4.20 5.45 6.51 7.75 40 3.01 4.38 5.76 6.92 8.19 41 3.15 4.56 6.09 7.36 8.65 42 3.25 4.74 6.44 7.82 9.14 43 3.42 4.92 6.81 8.32 9.66 44 3.62 5.22 7.20 8.84 10.20 45 3.85 5.56 7.61 9.40 10.78 46 4.09 5.89 8.08 9.92 11.55 47 4.35 6.25 8.59 10.62 12.37 48 4.62 6.62 9.13 11.54 13.25 49 4.91 7.01 9.69 12.47 14.20 50 5.22 7.43 10.30 13.58 15.21 51 5.54 7.88 10.94 14.75 16.29 52 5.89 8.35 11.63 15.92 17.46 53 6.26 8.85 12.35 17.06 18.70 54 6.65 9.38 13.12 18.24 20.03 55 7.07 9.94 13.94 19.43 21.46 56 7.75 10.75 15.04 57 8.49 11.63 16.24 58 9.31 12.58 17.52 59 10.20 13.61 18.91 60 11.18 14.72 20.41 Sample Quote Female Age 30 ST $200,000 Specified Amount Age Near Birthday $ 996.00 Annually (4.98 x 200) $ 498.00 Semiannually (Multiply annual by 0.50) $ 249.00 Quarterly (Multiply annual by 0.25) $ 82.99 Monthly (Multiply annual by 0.08333) For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $250,000 - $499,999 20 1.68 1.91 2.55 2.90 3.85 21 1.69 1.94 2.57 3.05 4.05 22 1.71 1.96 2.58 3.20 4.25 23 1.72 1.99 2.60 3.37 4.47 24 1.74 2.01 2.61 3.54 4.70 25 1.75 2.04 2.63 3.72 4.94 26 1.80 2.12 2.74 3.87 5.10 27 1.85 2.20 2.85 4.02 5.26 28 1.89 2.28 2.96 4.18 5.42 29 1.95 2.37 3.08 4.35 5.59 30 2.00 2.46 3.21 4.52 5.77 31 2.05 2.55 3.34 4.70 5.95 32 2.11 2.65 3.47 4.88 6.13 33 2.16 2.75 3.61 5.08 6.33 34 2.22 2.85 3.76 5.28 6.53 35 2.28 2.96 3.91 5.49 6.73 36 2.42 3.13 4.15 5.89 7.28 37 2.57 3.32 4.41 6.33 7.87 38 2.73 3.51 4.69 6.79 8.51 39 2.90 3.72 4.98 7.29 9.20 40 3.08 3.94 5.29 7.83 9.95 41 3.27 4.17 5.62 8.41 10.76 42 3.47 4.41 5.97 9.03 11.64 43 3.68 4.67 6.34 9.69 12.59 44 3.91 4.95 6.74 10.40 13.61 45 4.15 5.24 7.16 11.17 14.72 46 4.49 5.67 7.80 12.05 15.77 47 4.85 6.14 8.49 13.00 16.88 48 5.24 6.64 9.24 14.02 18.08 49 5.67 7.19 10.06 15.12 19.37 50 6.13 7.78 10.95 16.31 20.74 51 6.62 8.42 11.93 17.59 22.22 52 7.16 9.11 12.99 18.97 23.79 53 7.74 9.85 14.14 20.47 25.48 54 8.36 10.66 15.39 22.07 27.29 55 9.04 11.54 16.76 23.81 29.23 56 9.93 12.67 18.46 57 10.91 13.91 20.34 58 11.99 15.28 22.40 59 13.17 16.78 24.67 60 14.47 18.42 27.18 Sample Quote Male Age 47 PENT $450,000 Specified Amount Age Near Birthday $2,182.50 Annually (4.85 x 450) $1,091.25 Semiannually (Multiply annual by 0.50) $ 545.62 Quarterly (Multiply annual by 0.25) $ 181.86 Monthly (Multiply annual by 0.08333) See female rates on reverse. For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $250,000 - $499,999 20 1.33 1.79 2.09 2.19 2.26 21 1.35 1.83 2.17 2.29 2.39 22 1.37 1.87 2.26 2.38 2.53 23 1.39 1.91 2.34 2.49 2.68 24 1.41 1.95 2.44 2.60 2.83 25 1.43 1.99 2.53 2.71 3.00 26 1.48 2.07 2.64 2.84 3.17 27 1.54 2.15 2.75 2.99 3.35 28 1.59 2.23 2.87 3.13 3.55 29 1.65 2.32 3.00 3.29 3.75 30 1.71 2.41 3.13 3.45 3.96 31 1.77 2.50 3.26 3.62 4.19 32 1.84 2.60 3.40 3.80 4.43 33 1.91 2.70 3.55 3.99 4.69 34 1.98 2.80 3.70 4.19 4.96 35 2.05 2.91 3.86 4.40 5.24 36 2.15 3.08 4.10 4.71 5.63 37 2.26 3.26 4.36 5.04 6.05 38 2.38 3.46 4.63 5.39 6.50 39 2.50 3.66 4.92 5.77 6.99 40 2.62 3.87 5.23 6.18 7.51 41 2.76 4.10 5.56 6.61 8.07 42 2.90 4.35 5.91 7.08 8.68 43 3.04 4.60 6.28 7.58 9.32 44 3.20 4.87 6.67 8.11 10.02 45 3.36 5.16 7.09 8.68 10.77 46 3.60 5.49 7.56 9.31 11.54 47 3.85 5.83 8.05 9.98 12.36 48 4.12 6.20 8.58 10.69 13.24 49 4.41 6.60 9.15 11.46 14.19 50 4.72 7.02 9.75 12.29 15.20 51 5.05 7.46 10.39 13.17 16.28 52 5.41 7.93 11.07 14.12 17.44 53 5.79 8.44 11.80 15.14 18.69 54 6.19 8.97 12.57 16.23 20.02 55 6.63 9.54 13.40 17.40 21.45 56 7.26 10.37 14.52 57 7.95 11.26 15.72 58 8.71 12.24 17.03 59 9.54 13.30 18.45 60 10.45 14.45 19.99 Sample Quote Female Age 47 PENT $450,000 Specified Amount Age Near Birthday $1,732.50 Annually (3.85 x 450) $ 866.25 Semiannually (Multiply annual by 0.50) $ 433.12 Quarterly (Multiply annual by 0.25) $ 144.36 Monthly (Multiply annual by 0.08333) For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Male $500,000+ 20 1.36 1.60 2.25 2.64 3.73 21 1.37 1.62 2.26 2.78 3.92 22 1.38 1.65 2.28 2.92 4.12 23 1.38 1.67 2.29 3.07 4.33 24 1.39 1.70 2.31 3.22 4.56 25 1.40 1.72 2.32 3.39 4.79 26 1.45 1.80 2.43 3.54 4.95 27 1.50 1.87 2.54 3.70 5.12 28 1.55 1.96 2.65 3.86 5.29 29 1.60 2.04 2.77 4.04 5.47 30 1.66 2.13 2.90 4.21 5.66 31 1.71 2.22 3.03 4.40 5.85 32 1.77 2.32 3.17 4.60 6.05 33 1.83 2.42 3.31 4.80 6.26 34 1.90 2.53 3.46 5.02 6.47 35 1.96 2.64 3.62 5.24 6.69 36 2.10 2.81 3.87 5.62 7.24 37 2.25 3.00 4.14 6.04 7.83 38 2.41 3.20 4.42 6.48 8.47 39 2.59 3.41 4.73 6.95 9.17 40 2.77 3.64 5.06 7.46 9.92 41 2.97 3.88 5.40 8.01 10.73 42 3.18 4.13 5.78 8.60 11.61 43 3.41 4.41 6.18 9.23 12.57 44 3.66 4.70 6.60 9.90 13.60 45 3.92 5.01 7.06 10.63 14.71 46 4.26 5.44 7.64 11.51 15.76 47 4.63 5.91 8.26 12.47 16.87 48 5.04 6.43 8.93 13.50 18.07 49 5.47 6.98 9.66 14.62 19.36 50 5.95 7.59 10.45 15.83 20.73 51 6.47 8.24 11.30 17.14 22.21 52 7.03 8.96 12.22 18.56 23.78 53 7.64 9.73 13.22 20.10 25.47 54 8.31 10.57 14.29 21.77 27.28 55 9.03 11.49 15.46 23.57 29.22 56 9.92 12.57 16.98 57 10.90 13.76 18.64 58 11.98 15.06 20.47 59 13.16 16.48 22.48 60 14.46 18.03 24.68 Sample Quote Male Age 39 SNT $1,000,000 Specified Amount Age Near Birthday $4,730.00 Annually (4.73 x 1,000) $2,365.00 Semiannual (Multiply annual by 0.50) $1,182.50 Quarterly (Multiply annual by 0.25) $ 394.15 Monthly (Multiply annual by 0.08333) See female rates on reverse. For Agent Use Only

KEY PENT PNT SNT PT ST Preferred Elite Nontobacco Preferred Nontobacco Standard Nontobacco Preferred Tobacco Standard Tobacco Cashback Life 20 and 30 Rates per $1,000 Important note: Rates for Cashback Life 30 are the same as Cashback Life 20. Please refer to issue age restrictions when quoting Cashback Life 30. Female $500,000+ 20 0.99 1.46 1.85 1.95 2.00 21 1.01 1.50 1.92 2.02 2.11 22 1.03 1.54 1.98 2.08 2.22 23 1.05 1.58 2.05 2.15 2.34 24 1.08 1.63 2.13 2.23 2.46 25 1.10 1.67 2.20 2.30 2.59 26 1.14 1.74 2.31 2.44 2.77 27 1.19 1.82 2.42 2.59 2.97 28 1.24 1.90 2.54 2.74 3.18 29 1.29 1.99 2.67 2.91 3.41 30 1.34 2.08 2.80 3.08 3.65 31 1.39 2.17 2.94 3.27 3.91 32 1.45 2.27 3.09 3.46 4.19 33 1.51 2.37 3.24 3.67 4.49 34 1.57 2.48 3.40 3.90 4.81 35 1.63 2.59 3.57 4.13 5.15 36 1.74 2.76 3.82 4.43 5.54 37 1.86 2.94 4.09 4.75 5.97 38 1.98 3.14 4.37 5.10 6.42 39 2.12 3.35 4.68 5.47 6.92 40 2.26 3.57 5.00 5.87 7.44 41 2.41 3.81 5.35 6.29 8.01 42 2.57 4.06 5.73 6.75 8.63 43 2.75 4.33 6.13 7.24 9.29 44 2.93 4.61 6.55 7.77 10.00 45 3.13 4.92 7.01 8.33 10.76 46 3.37 5.25 7.48 8.94 11.53 47 3.64 5.60 7.97 9.60 12.35 48 3.92 5.97 8.50 10.30 13.23 49 4.22 6.37 9.07 11.06 14.18 50 4.55 6.80 9.67 11.87 15.19 51 4.91 7.26 10.32 12.74 16.27 52 5.29 7.74 11.00 13.68 17.43 53 5.70 8.26 11.74 14.68 18.68 54 6.14 8.81 12.52 15.76 20.01 55 6.62 9.40 13.35 16.92 21.44 56 7.25 10.21 14.44 57 7.94 11.08 15.62 58 8.70 12.03 16.90 59 9.53 13.06 18.28 60 10.44 14.18 19.77 Sample Quote Female Age 39 SNT $1,000,000 Specified Amount Age Near Birthday $4,680.00 Annually (4.68 x 1,000) $2,340.00 Semiannually (Multiply annual by 0.50) $1,170.00 Quarterly (Multiply annual by 0.25) $ 389.98 Monthly (Multiply annual by 0.08333) For Agent Use Only 2022R-KCL 2.11S

SAGE Scholars Tuition Rewards Program Return of Premium life insurance allows your clients many options they won t find with traditional term insurance. With a return of premium life policy, you can provide solid life insurance protection for your clients with the guaranteed death benefit. If they outlive their policy, they get something tangible back the return of all premiums paid when the coverage period is up. Purchasing a Return of Premium life insurance policy through the SAGE Scholars Tuition Rewards program allows your clients to earn Tuition Rewards to help fund their children s college education. They can accumulate these scholarship credits for up to one year of tuition costs divided equally between four years of college at any one of our participating colleges and universities. Tuition Rewards With Tuition Rewards, each point your client earns is equal to a $1.00 Tuition Rewards point. Your client earns 500 points for the initial meeting with you, and 4,500 Tuition Rewards points in year 1 for purchasing a Return of Premium life insurance policy. An additional 2,000 points are earned every year after as long as the policy is in force. For Agent Use Only

SAGE Scholars Tuition Rewards Program Purchase Return of Premium life insurance policy. Earn Tuition Rewards Points. Submit a Tuition Rewards statement to the school(s) your student is applying to during the application process. Tuition Rewards Account Policy Year 1: 5,000 Policy Year 2: 7,000 Policy Year 3: 9,000 Policy Year 4: 11,000 500 points immediately 4,500 points earned in year 1 2,000 points earned each year policy is in force years 2+ Assign some or all of your Rewards to a student before he or she starts their senior year in high school. Add as many students to your account as you d like. Students must be children, grandchildren, nieces or nephews; and they must be added before Aug. 31 of the beginning of the student s high school junior year. For Agent Use Only