Gerber Life Insurance Company

Gerber Life Insurance Company Grow-Up Plan "Food for Thought" Sales Idea Gerber Life Grow-Up Plan Guaranteed Option Rider* Regardless of Health, Occupation, or anything else The child has up to four options to purchase coverage when a life changing event occurs, including: Milestones: s 21, 25, 30, 35 and 40 Getting Married Birth/Adoption of a Child Guaranteed Options can be exercised up to 4 times and the maximum amount of life insurance is up to 10x the original face amount. d Amount d Amount Original Policy Effective Date: 18: N/A $100,000 25: (GPO) $100,000 $200,000 Married: (GPO) $100,000 $300,000 35: (GPO) $100,000 $400,000 1st Child Born: (GPO) $100,000 $500,000 If the Insured wanted to purchase more coverage at age 25, he or she would be able to purchase up to $100,000 of coverage. The Insured has the option of buying up to the maximum amount in any combination of Gerber Life term and whole life insurance allowed at each option period, but will still be limited to four (4) option periods. *The Guaranteed Option (GPO) is available to all policies that are issued standard underwriting class. Gerber Life Application and Issue Completing the application is fast and easy. Simply log onto www.gerberlifeagency.com, enter the client information and state, select the coverage desired and have the client verify and sign the application for submission. A Buyer s Guide to Life Insurance and a Policy Summary will be sent to owners with all policies issued. Be sure to check the plan documents at www.gerberlifeagency.com for complete details. Contact your representative for assistance or information. For Financial Professional Internal Use Only. Not to Be Used With or Distributed to the General Public. Copyright 2013 Gerber Life Insurance Company / Home Office; White Plains, NY 10605. A financially separate affiliate of the Gerber Products Company. All rights reserved. The Gerber Life Grow-Up Plan is available in all states. State requirements may vary somewhat. Please refer to the for limitations and exclusions. If the insured dies by suicide within two years from the issue date (one year in CO, MO and ND), the only amount payable will be the premiums paid for the, less any debt against the. Policy Form Series GPP-08 Not FDIC Insured Not Bank Guaranteed Not a Deposit or Other Bank Obligation AGT-GU016 (0213)

Gerber Life Grow-Up Plan Gerber Life Grow-Up Plan Unisex Rates (See other side for Male and Female Rates in CA, FL, IL, IN, NJ, TX and WA) Unisex Rates Issue $5,000 - $24,999 $ 25,000+ STANDARD STANDARD Under 1 0.636 0.612 1 0.662 0.636 2 0.682 0.656 3 0.704 0.676 4 0.726 0.698 5 0.748 0.720 6 0.772 0.742 7 0.798 0.768 8 0.824 0.792 9 0.852 0.820 10 0.882 0.848 11 0.912 0.878 12 0.944 0.908 13 0.978 0.942 14 1.012 0.974 Premium Modal Factors: Annual: 11 times monthly Semi-annual: 5.7 times monthly Quarterly: 2.9 times monthly ACH: Annual divided by 12 ACH Discount: Up to 8% Premiums may be slightly higher or lower in California, Florida, Illinois, Indiana, New Jersey, Texas and Washington (see other side for Male and Female Rates in these states). Grow-Up Monthly Premiums* Issue $5,000 Under 1 2.92 $5.83 $8.75 $14.03 $19.64 $28.05 1 $3.03 $6.07 $9.10 $14.58 $20.41 $29.15 2 $3.13 $6.25 $9.38 $15.03 $21.05 $30.07 3 $3.23 $6.45 $9.68 $15.49 $21.69 $30.98 4 $3.33 $6.66 $9.98 $16.00 $22.39 $31.99 5 $3.43 $6.86 $10.29 $16.50 $23.10 $33.00 6 $3.54 $7.08 $10.62 $17.00 $23.81 $34.01 7 $3.66 $7.32 $10.97 $17.60 $24.64 $35.20 8 $3.78 $7.55 $11.33 $18.15 $25.41 $36.30 9 $3.91 $7.81 $11.72 $18.79 $26.31 $37.58 10 $4.04 $8.09 $12.13 $19.43 $27.21 $38.87 11 $4.18 $8.36 $12.54 $20.12 $28.17 $40.24 12 $4.33 $8.65 $12.98 $20.81 $29.13 $41.62 13 $4.48 $8.97 $13.45 $21.59 $30.22 $43.18 14 $4.64 $9.28 $13.92 $22.32 $31.25 $44.64 *Includes discount for ACH (preauthorized checking). To calculate monthly premium, multiply per thousand rate by the # of thousands of coverage. Example: 5; Face Amount Monthly - $0.720 X 50 = $36.00 Annual - $36.00 X 11 = $396.00 Semi-annual - $36.00 X 5.7 = $205.20 Quarterly - $36.00 X 2.9 = $104.40 ACH - $396.00 divided by 12 = $33.00 Copyright 2011 Gerber Life Insurance Company, White Plains, NY 10605. Gerber Life Insurance Company. Home Office: White Plains, NY 10605. A financially separate affiliate of the Gerber Products Company. All rights reserved. GU-RC (1011)

Gerber Life Grow-Up Plan Gerber Life Grow-Up Plan Male and Female Rates (For CA, FL, IL, IN, NJ, TX and WA) (See other side for Unisex Rates) Male $5,000 - $24,999 $ 25,000+ Issue STANDARD STANDARD $5,000 Male Monthly Premiums* Under 1 0.682 0.656 3.13 6.25 9.38 15.03 21.05 30.07 1 0.708 0.680 3.25 6.49 9.74 15.58 21.82 31.17 2 0.728 0.700 3.34 6.67 10.01 16.04 22.46 32.08 3 0.750 0.720 3.44 6.88 10.31 16.50 23.10 33.00 4 0.772 0.742 3.54 7.08 10.62 17.00 23.81 34.01 5 0.796 0.766 3.65 7.30 10.95 17.55 24.58 35.11 6 0.822 0.790 3.77 7.54 11.30 18.10 25.35 36.21 7 0.848 0.816 3.89 7.77 11.66 18.70 26.18 37.40 8 0.876 0.842 4.02 8.03 12.05 19.30 27.01 38.59 9 0.906 0.872 4.15 8.31 12.46 19.98 27.98 39.97 10 0.936 0.900 4.29 8.58 12.87 20.63 28.88 41.25 11 0.968 0.932 4.44 8.87 13.31 21.36 29.90 42.72 12 1.002 0.964 4.59 9.19 13.78 22.09 30.93 44.18 13 1.038 0.998 4.76 9.52 14.27 22.87 32.02 45.74 14 1.076 1.036 4.93 9.86 14.80 23.74 33.24 47.48 Female $5,000 - $24,999 $ 25,000+ Issue STANDARD STANDARD $5,000 Female Monthly Premiums* Under 1 0.568 0.546 2.60 5.21 7.81 12.51 17.52 25.03 1 0.592 0.570 2.71 5.43 8.14 13.06 18.29 26.13 2 0.612 0.588 2.81 5.61 8.42 13.48 18.87 26.95 3 0.634 0.610 2.91 5.81 8.72 13.98 19.57 27.96 4 0.656 0.630 3.01 6.01 9.02 14.44 20.21 28.88 5 0.678 0.652 3.11 6.22 9.32 14.94 20.92 29.88 6 0.700 0.674 3.21 6.42 9.63 15.45 21.62 30.89 7 0.724 0.696 3.32 6.64 9.96 15.95 22.33 31.90 8 0.750 0.722 3.44 6.88 10.31 16.55 23.16 33.09 9 0.776 0.746 3.56 7.11 10.67 17.10 23.93 34.19 10 0.802 0.772 3.68 7.35 11.03 17.69 24.77 35.38 11 0.830 0.798 3.80 7.61 11.41 18.29 25.60 36.58 12 0.860 0.828 3.94 7.88 11.83 18.98 26.57 37.95 13 0.890 0.856 4.08 8.16 12.24 19.62 27.46 39.23 14 0.922 0.888 4.23 8.45 12.68 20.35 28.49 40.70 *Includes discount for ACH (preauthorized checking). Premium Modal Factors: Annual: 11 times monthly Semi-annual: 5.7 times monthly Quarterly: 2.9 times monthly ACH: Annual divided by 12 ACH Discount: Up to 8% To calculate monthly premium, multiply per thousand rate by the # of thousands of coverage. Example: Female 3; Face Amount Monthly - $0.610 X 35 = $21.35 Annual - $21.35 X 11 = $234.85 Semi-annual - $21.35 X 5.7 = $121.70 Quarterly - $21.35 X 2.9 = $61.92 ACH - $234.85 divided by 12 = $19.57

Grow Up Product Brochure Children s Whole Life Insurance Give your Children and Grandchildren a Meaningful Gift that Lasts a Lifetime with the Grow-Up Plan Whole life insurance that builds cash value Low childhood premiums as little as $1 a week that never increase doubles automatically at age 18 Guaranteed future insurability for your child available from $5,000 to for children 14 days to 14 years old An affordable way to help protect your child s future security Life insurance coverage that protects and builds cash value! up to with low childhood premium rates As a caring parent or grandparent, you want to give the children in your life every advantage possible. The Grow-Up Plan is a simple and budget-minded way to get them started on the right path. You can choose $5,000 to coverage amounts. Not FDIC Insured Not Bank Guaranteed Not a Deposit or Other Bank Obligation GU-AM (0313)

It is whole life protection that builds cash value to help your child or grandchild prepare for the future. It has low childhood premiums that never increase. You are the owner until the child reaches age 21, at which time the child becomes the owner. grows as your child grows At age 18, the Grow-Up Plan amount doubles automatically. For example, a doubles to $20,000, a doubles to $30,000 and so on with no increase in your monthly premium. That s right, double the coverage at the same low premium guaranteed! Guaranteed future insurability for your child Regardless of health, occupation or anything else, your child or grandchild has the guaranteed right to purchase extra insurance as an adult continuing the valuable legacy of financial protection you started. As an adult owner, your child will have up to four opportunities to buy insurance at ages 21, 25, 30, 35, 40, when he or she gets married or has a child. Each new can be up to the coverage amount in force at age 18. For example, a child with of initial coverage will automatically receive double the coverage at age 18 and, by exercising the guaranteed options, will be able to purchase up to $500,000 of coverage as an adult. $300,000 $250,000 $200,000 $150,000 $100,000 $0 See how the Grow-Up can grow! to start doubles automatically during age 18 $100,000 at age 21 $150,000 after marriage $200,000 after birth of child $250,000 at age 40 Low childhood premiums that never increase The best news is the Grow-Up Plan is affordable as low as about $1 a week. Your premium is guaranteed to never increase, even when the coverage doubles during the year your child or grandchild is age 18. Because premiums are based on your child or grandchild s age when you apply, the sooner you apply, the lower the lifetime premium will be. Under 1 year Sample Monthly Premium Rates 1 $20,000 $6.36 $9.54 $12.72 $15.30 $21.42 $30.60 1 $6.62 $9.93 $13.24 $15.90 $22.26 $31.08 5 $7.48 $11.22 $14.96 $18.00 $25.20 $36.00 10 $8.82 $13.23 $17.64 $21.20 $29.68 $42.40 14 $10.12 $15.18 $20.24 $24.35 $34.09 $48.70 Cash value builds and is available to you! Grow-Up is whole life insurance that protects your child or grandchild while starting a nest egg he or she can use later on. Your builds cash value over time. That s money you can borrow against at any time, as long as premiums are paid. Your child or grandchild can even turn in the in the future and get back the accumulated cash value. Gerber Life Insurance Company A Trusted Family Name for More Than 75 Years Gerber Life Insurance Company is a financially separate affiliate of the Gerber Products Company, and shares the name that has been synonymous with family caring for more than 75 years. You can have confidence in our name and in our coverage. For more than 45 years, Gerber Life Insurance Company has provided quality life insurance, especially for budget minded families. It is our mission to be the Company parents trust to help them achieve financial security and insurance protection for their families. As a financially separate affiliate of the Gerber Products Company, The Baby Food People, Gerber Life shares in a long-standing tradition of quality and trust dating back to 1928. Gerber Products and Gerber Life are financially separate subsidiaries of the Nestlé Corporation, whose basic purpose is unchanged from the time of the origins of the Company in 1867, and whose business practices reflect the basic ideas of fairness, honesty and a general concern for people. In June 2012, A.M. Best, the impartial reporting firm that rates insurance companies on financial stability, management skill and integrity, has awarded Gerber Life an A (Excellent) Rating. 2 1 Sample rates shown are for healthy children. Other coverage amounts and premium rates are available. Making annual or automatic monthly payments from your bank account will lower the premium. Please ask us for benefit amounts and premium rates not shown. Benefit amounts are subject to Gerber Life insurance limits. 2 This rating is the third highest awarded out of 13 possible categories. The rating refers to the overall financial status of the Company and is not a recommendation of the specific provisions, rates or practices of the Company. In AR, DC, FL, KY, LA, MD, ME, NH, NJ, NY, NM, OH, PA, RI, TN, TX & WA requirements vary somewhat. Additional information or a state-specific application is available. and benefits are subject to Gerber Life insurance limits. Copyright 2013 Gerber Life Insurance Company, White Plains, NY 10605. A financially separate affiliate of the Gerber Products Company. All rights reserved.