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.M. est S&P Moody's Fitch 1 2 3 4 5 Teachers Ins & nn ssoc Northwestern Mutual Life Ins New York Life Ins Co New York Life Ins & nn Knights of Columbus + + + + + aa aa aa aa 6 7 8 9 10 erkshire Hathaway Life of TICREF Life Ins Co erkshire Life Ins Co of mer General Re Life Corporation Northwestern Long Term Care M + + + + + aa aa 11 12 13 14 15 US Life Ins Co US Life Ins Co of Massachusetts Mutual Life Ins Thrivent Financial Lutherans Farm Life Ins Co M + + + + + a1 a1 a2 a1 99 99 16 17 18 19 20 Guardian Life Ins Co of mer Guardian Ins & nn Co Inc C M Life Ins Co MML ay Life Ins Co Thrivent Life Ins Co + + + + + a2 a2 a2 a2 21 22 23 24 25 Farm Life & cc ssur Co Lafayette Life Ins Co Great-West Life & nn merican United Life Ins Co Western-Southern Life ssur CO + a1 a3 a3 97 26 27 28 29 30 Western & Southern Life Ins First MetLife Investors Ins Co Integrity Life Ins Co Life Ins Co Metropolitan Tower Life Ins Co a3 a3 a3 31 32 33 34 35 National Integrity Life Ins Co Hannover Life Reassur mer Columbus Life Ins Co anner Life Ins Co Great-West Life & nn MD a3 a3 a3 36 37 38 39 William Penn Life Ins Co of Sun Life & Health Ins Co US Metropolitan Life Ins Co Sun Life ssur CN a3 a3 est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 1 of 17

.M. est S&P Moody's Fitch 40 merican Fam ssur Columbus a2 41 42 43 44 45 RiverSource Life Ins Co MetLife Investors US Ins Co MetLife Ins Co of Mutual of merica Life Ins Co MetLife Investors Ins Co a3 a3 a3 a3 47 48 49 50 General merican Life Ins Co New England Life Ins Co Transamerica dvisors Life Ins Swiss Re Life & Health merica Munich merican Reassur Co M R G a3 a3 a3 a3 51 52 53 55 RiverSource Life Ins Co of Stonebridge Life Ins Co Transamerica dvisors Life merican Family Life ssur Jackson National Life Ins Co VT a3 1 94 56 58 59 60 Jackson National Life Ins of HCC Life Ins Co John Hancock Life Ins Co US Transamerica Life Ins Co Monumental Life Ins Co I I 1 1 1 1 1 94 94 61 62 63 64 65 Transamerica Financial Life Ohio National Life Ins Co John Hancock Life Ins Co John Hancock Life & Health Ins Western Reserve Life ssur of M 1 1 1 1 1 66 67 68 69 70 Ohio National Life ssur Corp X Equitable Life Ins Co Minnesota Life Ins Co Penn Mutual Life Ins Co Penn Ins & nn Co P 1 a3 a3 a3 a3 92 92 92 92 71 72 74 75 Securian Life Ins Co Prudential Ins Co of merica Lincoln National Life Ins Co Principal Life Ins Co Pruco Life Ins Co NJ I Z a3 1 1 1 1 92 76 77 Prudential Retirement Ins&nn Prudential nnuities Life ssur Z 1 est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 2 of 17

.M. est S&P Moody's Fitch 78 80 Midland National Life Ins Co RG Reins Co Fidelity Investments Life Ins I 81 82 84 85 North merican Co for L&H Lincoln Life & nn Co Pruco Life Ins Co of NJ merican Life Ins Co Liberty National Life Ins Co I NJ 1 1 1 86 88 89 90 Globe Life nd cc Ins Co merican Income Life Ins Co Dearborn National Life Ins Co Empire Fidelity Investments Life Companion Life Ins Co 92 94 First Reliance Standard Life United World Life Ins Co Principal National Life Ins Co Dearborn Natl Life Nationwide Life Ins Co I 1 1 90 97 99 United of Omaha Life Ins Co Nationwide Life & nn Ins Mutual of Omaha Ins Co Protective Life & nn Ins Primerica Life Ins Co L M 1 1 1 2 90 90 90 90 90 101 102 103 104 105 UnitedHealthcare Ins Co llianz Life Ins Co of CSI Life Ins Co Pacific Life Ins Co Pacific Life & nn Co Z 1 1 1 89 89 89 88 88 106 107 108 109 110 etna Health & Life Ins Co United merican Ins Co Golden Rule Ins Co Protective Life Ins Co Southern Farm ureau Life Ins TN MS pi 2 88 88 88 111 112 113 114 115 COUNTRY Life Ins Co Reliance Standard Life Ins Co Sentry Life Ins Co West Coast Life Ins Co uto-owners Life Ins Co pi pi pi 2 2 est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 3 of 17

.M. est S&P Moody's Fitch 116 117 118 119 120 Life Ins Co of mer Combined Ins Co of merica Federated Life Ins Co PacifiCare Life & Health Ins Sentry Life Ins Co of New York Z pi pi 1 2 121 122 123 124 125 etna Life Ins Co X Equitable Life & nn llianz Life Ins Co N merica llstate Life Ins Co llstate Life Ins Co of CO 2 2 1 1 86 86 85 85 85 126 127 128 129 130 Cigna Health & Life Ins Co Life Ins Co Savings ank Life Ins Co of M nthem Life Ins Co Connecticut General Life Ins M 2 2 1 2 85 84 84 84 131 132 133 134 135 meritas Life Ins Corp Union Central Life Ins Co nn Investors Life Ins Co cacia Life Ins Co SCOR Global Life mericas Rein DC 136 137 138 139 140 meritas Life Ins Corp of SCOR Global Life US Re Co SCOR Global Life Reins Co merican General Life Ins Co Variable nn Life Ins Co 2 2 82 82 141 142 143 144 145 United s Life Ins of GC Life Ins Co Great merican Life Ins Co merican Fidelity ssur Co Lincoln enefit Life Co pi 2 2 82 82 81 81 81 1 147 148 149 150 Tennessee Farmers Life Ins Co First Penn-Pacific Life Ins Co merican Heritage Life Ins Co Standard Ins Co Cincinnati Life Ins Co TN OR pi 1 2 81 81 81 80 80 151 152 153 1 First Symetra Nat Life Ins merican National Ins Co Life Ins Co of Southwest National Western Life Ins Co CO 2 80 est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 4 of 17

.M. est S&P Moody's Fitch 155 National Life Ins Co VT 2 156 1 158 159 160 Life Ins of North mer merican Family Life Ins Co Wilton Reassur Co Erie Family Life Ins Co Pan-merican Life Ins Co P P L pi 2 161 162 163 164 165 Texas Life Ins Co Wilton Reassur Life Co Provident Life & Casualty Cigna Life Ins Co of New York Standard Life Ins of TN 166 167 168 169 170 merican National Life Ins merican Nat'l Life Ins Texas Cigna Worldwide Ins Co Pan-merican ssur Co Symetra Life Ins Co L W 3 78 171 172 1 174 175 Unum Life Ins Co of mer Provident Life & cc Paul Revere Life Ins Co Colonial Life & cc Ins First Unum Life Ins Co ME TN M SC 2 2 2 2 2 78 78 78 78 78 176 177 178 1 180 Hartford Life & cc Ins Liberty Life ssur of oston Zurich merican Life Ins Co Horace Mann Life Ins Co Standard Life & cc Ins NH 3 3 3 76 76 76 76 76 181 182 1 184 185 Pacific Guardian Life Co Ltd USble Life G Life Ins & nn G US nn & Life Ins Co Genworth Life Ins Co HI R I 3 3 3 76 76 186 1 188 189 190 Genworth Life & nn Ins ReliaStar Life Ins Co Security Life of Denver Ins Co Genworth Life Ins Co ReliaStar Life Ins Co of V CO 3 3 3 3 3 1 192 Gerber Life Ins Co Farm ureau Life Ins Co of pi pi est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 5 of 17

.M. est S&P Moody's Fitch 1 194 1 United Farm Family Life Ins Co Shelter Life Ins Co Columbian Life Ins Co pi pi a1 1 197 1 199 200 Humana Ins Co Employers Reassur Corp United Ins Co of merica merican ankers Life ssur Co Reliable Life Ins Co 3 3 3 68 67 66 65 65 201 202 203 204 205 Union National Life Ins Co Union Security Ins Co merican Memorial Life Ins Co MTL Ins Co Trustmark Ins Co L SD pi 3 65 63 63 63 63 206 207 208 209 210 Trustmark Life Ins Co Humana Ins Co of KY Commonwealth nn & Life Forethought Life Ins Co First llmerica Financial Life KY M M pi aa1 aa1 aa1 63 63 62 62 62 211 212 213 214 215 Hartford Life Ins Co Hartford Life & nn Ins merican Equity Invest Life Time Ins Co John lden Life Ins Co I aa2 aa2 aa1 aa1 61 61 60 60 60 216 217 218 219 220 Midwestern United Life Ins Co First Rehabilitation Life of m Sun Life ssur Co of C (US) Paul Revere Variable nn Sun Life Ins & nn of M aa2 2 60 60 59 59 221 222 223 224 225 National Guardian Life Ins Co Homesteaders Life Co First Investors Life Ins Co Pekin Life Ins Co Hartford Internat Life Reassur I pi pi pi pi 226 227 228 229 230 Government Personnel Mutual Fidelity Security Life Ins Co merican Republic Ins Co Lincoln Heritage Life Ins Co Life Ins Co I pi pi pi pi pi est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 6 of 17

.M. est S&P Moody's Fitch 231 232 233 234 235 Motorists Life Ins Co UNICRE Life & Health Ins Co Central s H&L Co of Omaha Standard Security Life of merican Equity Invest Life pi pi pi 236 237 238 239 240 ankers Life & Casualty Co Washington National Ins Co Vantis Life Ins Co Colonial Penn Life Ins uto Club Life Ins Co P pi pi aa2 aa2 aa2 241 242 243 244 245 Madison Natl Life Ins Co. Inc Grange Life Ins Co merican Public Life Ins Co Fidelity & Guaranty Life Ins ankers Conseco Life Ins I pi pi pi - a1 53 51 2 247 248 249 250 Fidelity & Guar Life Ins Co Old Republic Life Ins Co Humana Ins of Puerto Rico Inc thene nn & Life Co Security enefit Life Ins Co I - 49 49 49 251 252 253 2 255 Conseco Life Ins Co thene Life Ins Co of Kanawha Ins Co Medmerica Ins Co First Security enefit L& SC P - a1 256 2 258 259 260 Medmerica Ins Co of New York Medmerica Ins Co of Florida EquiTrust Life Ins Co thene nn & Life ssur Co Health Net Life Ins Co C 44 44 43 261 262 263 264 265 merican Progressive L&H Pyramid Life Ins Co Union Labor Life Ins Co merican Pioneer Life Ins Co New Era Life Ins Co MD pi pi 43 43 41 38 35 266 267 268 269 Guarantee Trust Life Ins Co New Era Life Ins Co Midwest Phoenix Life Ins Co PHL Variable Ins Co pi pi - - 35 35 32 32 est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 7 of 17

.M. est S&P Moody's Fitch 270 Equitable Life & Casualty pi 32 271 272 2 274 275 Union Fidelity Life Ins Co CMFG Life Ins Co Modern Woodmen of merica Guggenheim Life & nn Co Woodmen of the World Life Soc I 276 277 278 2 280 Farm ureau Life Ins Co Farmers New World Life Ins Co ccordia Life & nn Co rooke Life Ins Co Philadelphia Finl Life ssur I W I P 281 282 2 284 285 merico Financial Life & nn thene nn & Life ssur Kansas City Life Ins Co urora National Life ssur Jefferson National Life Ins Co C 286 2 288 289 290 eneficial Life Ins Co Continental ssur Co Security Mutual Life of ssurity Life Ins Co Independence Life & nn Co 2 292 2 294 2 Physicians Mutual Ins Co Paragon Life Ins Co LifeCare ssur Co Reinsurance Co of Missouri United Life Ins Co Z I 2 297 2 299 300 lue Cross & lue Shield SLI US Mutual Life Ins Co Structured nn Reins Co Gleaner Life Ins Society GU Financial Life I P 301 302 303 304 305 Physicians Life Ins Co lfa Life Ins Corp Illinois Mutual Life Ins Co Catholic Financial Life Columbian Mutual Life Ins Co L 306 307 Farm Family Life Ins Co Centurion Life Ins Co I est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 8 of 17

.M. est S&P Moody's Fitch 308 309 310 oston Mutual Life Ins Co Sagicor Life Ins Co mica Life Ins Co M RI 311 312 313 314 315 Oxford Life Ins Co altimore Life Ins Co Conseco Life Ins Co of Texas Liberty ankers Life Ins Co EMC National Life Co Z MD I 316 317 318 319 320 Catholic Life Ins Catholic Order of Foresters Funeral Directors Life Ins Co X Corporate Solutions Life Re merican Health & Life Ins 321 322 323 324 325 United Teacher ssociates Ins lue Shield of C Life & Hlth Western United Life ssur Co Royal Neighbors of merica United Fidelity Life Ins Co C NH 326 327 328 329 330 Universal Life Ins Co Pavonia Life Ins Co of Z First Catholic Slovak Ladies Monarch Life Ins Co utomobile Club of Sthrn C Life Z M C E 331 332 333 334 335 Reliance Standard Life of Ozark National Life Ins Co WE Ins Corporation Investors Life of North mer Family Heritage Life of mer pi 336 337 338 339 340 US Financial Life Ins Co HM Life Ins Co Merit Life Ins Co United Heritage Life Ins Co Triple-S Vida Inc P ID 341 342 343 344 345 Farm ureau Life Ins Co of First Health Life & Health Ins Pioneer Mutual Life Ins Co Great Western Ins Co National enefit Life Ins Co ND est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 9 of 17

.M. est S&P Moody's Fitch 3 347 348 349 350 Guaranty Income Life Ins Co Investors Heritage Life Ins Co Mutual Savings Life Ins Co merican Fidelity Life Ins Co Harleysville Life Ins Co L KY L P 351 352 353 3 355 Fidelity Life ssociation Cooperativa de Seguros de Vida Unimerica Ins Co Pacific eacon Life Reassur Sentinel Security Life Ins Co HI C++ 356 3 358 359 360 Combined Life Ins Co of Family Service Life Ins Co Educators Life Ins of merica Settlers Life Ins Co Continental merican Ins Co SC 361 362 363 364 365 Natl Teachers ssoc Life Ins National Farm Life Ins Co ELCO Mutual Life & nn Sunset Life Ins Co of merica National Security Life & nn 366 367 368 369 370 Trans World ssur Co London Life Reins Co First Catholic Slovak Union Cotton s Life Ins Co William Penn ssociation C P G P 371 372 3 374 375 Constitution Life Ins Co Manhattan Life Ins Co Central United Life Ins Co Park venue Life Ins Co Mutual Ins Co R G 376 377 378 3 380 COUNTRY Investors Life ssur First erkshire Hathaway Life Church Life Ins Corporation MEG Life & Health Ins Co merican-micable Life Ins 381 382 3 384 Colorado ankers Life Ins Co est Meridian Ins Co Companion Life Ins Co ankers Life Ins Co CO SC est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 10 of 17

.M. est S&P Moody's Fitch 385 Occidental Life Ins Co of NC 386 3 388 389 390 5 Star Life Ins Co Old merican Ins Co Loyal merican Life Ins Co Sons of Hermann in Texas Continental General Ins Co L 3 392 3 394 3 merican Home Life Ins Co Great Southern Life Ins Co SPJST Nippon Life Ins Co of mer National Farmers Union Life I 3 397 3 399 400 I merican Life Ins Co Capitol Life Ins Co Forethought National Life Ins Philadelphia merican Life Ins Continental Life rentwood TN TN 401 402 403 404 405 LIFE Ins Co of rizona Ukrainian National ssoc LifeSecure Ins Co Eagle Life Ins Co 4 Ever Life Ins Co Z NJ I + 406 407 408 409 410 Manhattan National Life Ins Co Unified Life Ins Co First United merican Life Ins Unity Financial Life Ins Co erkley Life & Health Ins Co I 411 412 413 414 415 Caterpillar Life Ins Co Universal Underwriters Life United Security ssur Co of P Union Security Life Ins Family Life Ins Co P - 416 417 418 419 420 North Coast Life Ins Co North Carolina Mutual Life Ins Charter National Life Ins Co Jamestown Life Ins Co HumanaDental Ins Co W NC V C+ 421 422 ankers Fidelity Life Ins Co Delaware merican Life Ins Co G est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 11 of 17

.M. est S&P Moody's Fitch 423 424 425 Pavonia Life Ins Co of National Income Life Ins Multinational Life Ins Co 426 427 428 429 430 merican Continental Ins Co LifeWise ssur Co Life Ins Co of oston & Garden Life Ins Co tlantic Coast Life Ins Co TN W SC 431 432 433 434 435 Optimum Re Ins Co Reserve National Ins Co Pioneer Security Life Ins Co Life Ins Co of labama Supreme Council Royal rcanum L M 436 437 438 439 440 Professional Ins Co Southern Financial Life Ins Co malgamated Life Ins Co Southern Life & Health Ins. Co Mid-West National Life of TN L 441 442 443 444 445 LifeMap ssur Co Old United Life Ins Co merican enefit Life merican Underwriters Life Ins Parker Centennial ssur Co OR Z Z 4 447 448 449 450 HM Life Ins Co Christian Fidelity Life Ins Co United Home Life Ins Co Life of the South Ins Co Central Security Life Ins Co G 451 452 453 4 455 Security Life Ins Co of mer Mutual eneficial ssoc Inc Cincinnati Equitable Life LifeShield National Ins Co Germania Life Ins Co 456 4 458 459 0 Citizens Fidelity Ins Co Medico Ins Co tlanta Life Ins Co EPIC Life Ins Co merican Maturity Life Ins Co R G - est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 12 of 17

.M. est S&P Moody's Fitch 1 2 3 4 5 Trans-Oceanic Life Ins Co alboa Life Ins Co UnitedHealthcare Life Ins Co Freedom Life Ins Co of mer Pioneer merican Ins Co C 6 7 8 9 470 Popular Life Re merican Modern Life Ins Co luebonnet Life Ins Co Compenefits Ins Co dvance Ins Co of Kansas MS 471 472 4 474 475 Starmount Life Ins Co National Security Ins Co Sears Life Ins Co Greater Georgia Life Ins Co Phoenix Life & nn Co L L G 476 477 478 4 480 Royal National Ins Co Florida Combined Life Ins Co Chesapeake Life Ins Co Service Life & Casualty Ins Co Caribbean merican Life ssur HI 481 482 4 484 485 Fidelity Security Life Ins CE Life Ins Co Cigna rbor Life Ins Co First ssur Life of merica Champions Life Ins Co L 486 4 488 489 490 Unimerica Life Ins Co of Intramerica Life Ins Co North merican Natl Re Ins Co Western merican Life Ins Co Generation Life Ins Co Z Z 4 492 4 494 4 Sentinel merican Life Ins Co First Command LIC Lewer Life Ins Co ll Savers Ins Co Standard Life & Casualty Ins 4 497 4 499 Preneed Reins Co of mer Performance Life of merica Financial merican Life Ins Co Plateau Ins Co Z L TN est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 13 of 17

.M. est S&P Moody's Fitch 500 merican Republic Corp Ins Co 501 502 503 504 505 merican Indep Network of National Foundation Life Ins merican Federated Life Ins Medico Corp Life Ins Co Caremerica Life Ins Co MS C 506 507 508 509 510 Direct General Life Ins Central Reserve Life RightCHOICE Ins Co MEMERS Life Ins Co Omaha Ins Co SC I 511 512 513 514 515 nthem Life & Disability Ins Co SWC Life Ins Co Citizens Security Life Ins Co Landcar Life Ins Co North merican Ins Co KY 516 517 518 519 520 Cherokee National Life Ins Co Zurich merican Life Ins Co Medical enefits Mutual Life urigen Re Co of merica Continental Life Ins Co P G R P 521 522 523 524 525 United Commercial Travelers Commercial Travelers Mutual Perico Life Ins Co IdeaLife Ins Co Southern Pioneer Life Ins Co R 526 527 528 529 530 Individual ssur Life Hlth & cc alboa Life Ins Co of Trans-City Life Ins Co Investors Growth Life Ins Co Sterling Investors Life Ins Co Z Z G 531 532 533 534 535 Patriot Life Ins Co merican Phoenix Life&Reassur Monitor Life Ins Co merican Retirement Life Ins Wichita National Life Ins Co 536 537 Colonial Life Ins Co of Texas Enterprise Life Ins Co est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 14 of 17

.M. est S&P Moody's Fitch 538 539 0 Doctors Life Ins Co Resource Life Ins Co llianz Life & nn Co C 1 2 3 4 5 Symetra National Life Ins Co Physicians enefits Trust Life Kentucky Funeral Directors Life Gulf Guaranty Life Ins Co HealthMarkets Ins Co W KY MS - 5 7 8 9 550 Missouri Valley Life & Health Provident merican Life & Hlth tlantic Southern Ins Co XL Life Ins & nn Co National Health Ins Co 551 552 553 5 555 S US Life Ins Co Ohio Life Ins Co United National Life of mer ankers Life of Louisiana EST Life & Health Ins Co Z L 556 5 558 559 560 W Mutual Ins Co Century Life ssur Co llstate ssur Co Life of merica Ins Co Heritage Union Life Ins Co 561 562 563 564 565 Mountain Life Ins Co Ullico Life Ins Co Zale Life Ins Co Financial ssur Life Ins Omaha Life Ins Co TN Z 566 567 568 569 0 ssociated Mutual United Security Life & H Ins Co Pan-merican Life Ins Co of Ohio Motorists Life Ins Co Life Protection Ins Co C- 1 2 3 4 5 ll Savers Life Ins Co of C Regal Reins Co Niagara Life & Health Ins Co Servco Life Ins Co Heartland National Life Ins Co C M est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 15 of 17

.M. est S&P Moody's Fitch 6 7 8 5 580 Life Ins Co of Life Ins Co of Louisiana Farm Health Ins Co Vantis Life Ins Co of Commencement ay Life Ins Co L W 581 582 5 584 585 USIC Life Ins Co Trustmark Life Ins Co of Midwest Security Life Ins Co Marquette Indemnity & Life Ins NT Life Ins Co of Z 586 5 588 589 590 Marquette National Life Ins Co Commonwealth Dealers Life Ins Pruco Ins Co of Iowa Texas Directors Life Ins Co First National Life of US V I 5 592 5 594 5 Kentucky Home Life Ins Co malgamated Life & Health Town & Country Life Ins Co cademe Inc Censtat Life ssur Co KY W Z 5 597 5 599 600 Life ssur Co Versant Life Ins Co merican Financial Security Philadelphia Finl Life ssur Emphesys Ins Co MS 601 602 603 604 605 Transm ssur Co Great Fidelity Life Ins Co Southern Financial Life Ins Co Westport Life Ins Co ankers Fidelity ssur Co Z KY Z G 606 607 608 609 610 merican Farm Life Ins Co Windsor Life Ins Co United enefit Life Ins Co HG Life Ins Co Gulf s Life Ins Co Inc L 611 612 613 614 Colonial Security Life Ins Co Greenfields Life Ins Co Sheridan Life Ins Co Great Western Life Ins Co CO MT est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 16 of 17

.M. est S&P Moody's Fitch 615 Univantage Ins Co 616 617 618 Crown Global Ins Co of merica Preservation Life Ins Co Southwest Credit Life Inc NM est's Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company's financial strength and ability to meet its obligations to policyholders. View our Important Notice: est's Credit Ratings for a disclaimer notice and performance. ll dollar amounts are in thousands. ll ratings shown are current as of July 01, 2014. Presented by: William Nelson, Southwest Insurance gency, 1201 Elm Street, Suite 3500, Dallas, 75270 Phone: 866-7-9025 Fax: 214-859-1708 Email: Page 17 of 17