S B L I 2 0 1 2 S A l e s c o n t e s t - g e n e r a l A g e n t s

for more information contact chris mcauley at 781.994.5491 or email cmcauley@sbli.com

Step into any one of the Radisson Aruba Resort, Casino & Spa's 355 luxuriously appointed guest rooms and suites, inside you'll find custom designed Colonial West furnishings and Caribbean decor. Each guest room features a balcony or patio, one king or two double beds, Italian marble bathrooms, flat screen television equipped with surround sound, in-room safe, clock radio, waffle bathrobes, iron and ironing board, hair dryer, coffee maker and make-up mirror.

ARUBAS B L I 2 0 1 2 s a l e s c o n t e s t

Radisson Aruba

Resort, Casino & Spa

March 21 - March 252013

Attendance Eligibility

for General Agents

page 2

Contest Rules

page 2 & 3

Contest Definitions

page 3

“Be Treated Like Royalty” in the island Kingdom of

the Netherlands.About the ContestSandy beaches, sun-splashed guest rooms, and tropical breezes could all be yours

with a majestic display of sales prowess in 2012! Top-performing General Agents will

experience Aruba in all its splendor for five-days and four-nights at the spectacular

Radisson Aruba Resort, Casino & Spa, where amenities far greater than a coronation

await.

Relax at a Sparkling OasisThe 15-acre Radisson Aruba Resort, Casino & Spa is a sparkling oasis that beckons

from the warm, ivory sands of the most expansive and pristine beach in Palm Beach,

Aruba. The property is surrounded by fragrant gardens, exotic lagoons and

cascading waterfalls. Amenities include the Larimar Spa, a casino, two pools

on-site and Four-Diamond dining.

Refresh at the SpaIndulge in a day of pampering at the Larimar Spa, located on site at the Radisson

Aruba Resort. Larimar Spa has been rated one of the hottest spas in the entire

Caribbean and was also named a Hot Spa by Condé Nast Traveler.

S B L I 2 0 1 2 S A l e s c o n t e s t - g e n e r a l A g e n t s

for more information contact chris mcauley at 781.994.5491 or email cmcauley@sbli.com

Aruba’s History

In 1636, Aruba was acquired by the Netherlands and remained under their control for nearly two centuries. During the Napoleonic wars, the British Empire took control over the island, between 1799 and 1802, and between 1804 and 1816, before handing it back to the Dutch. A 19th-century gold rush was followed by prosperity brought on by first the opening of a crude oil transshipment facility in 1924 and then in 1928 with the opening of an oil refinery. The last decades of the 20th century saw a boom in the tourism industry which became Aruba's primary industry when the refinery closed in 1985. Because of the focus on tourism and the number of resorts on the island, Arubans enjoy a very low unemployment rate. Aruba has earned a reputation as the "Las Vegas of the Caribbean."

ARUBA

Aruba is famous for the spectacular shipwrecks and interesting coral formations that dominate Aruba’s underwater realm.

General Agent Attendance Eligibility

Prince/Princess $200,000 Level Term Premium

(Attendance for you and a guest to Aruba!)King/Queen

$250,000 Level Term Premium (Qualifies you for VIP status while

on the trip)

Contest RulesEligible General Agencies may qualify for this trip by meeting minimum premium levels based on

paid Term Life insurance production. Whole Life, UL Conversions, Immediate or Deferred Annuities

do not count toward this contest. To be eligiblefor contest qualification, life insurance policies must have been issued and paid between the contest

dates which are July 1 – December 31, 2012. Winners will be announced within a

reasonable timeframe after the contest closes. Prizes won and trips awarded are non-transferrableand no cash equivalent will be given in lieu

of such prizes or trip awards.

More About ArubaKnown as the wreck-diving capital of the Caribbean, Aruba’s entire south coast

is a coral reef with over twenty dive sites and eleven diver-friendly wrecks such

as a plane, tugboats, cement cargo ship, war and historic vessels. Aruba’s easily

accessible reefs and shallow formations of coral will fascinate snorkelers while

reef and wreck diving reveals a brilliant underwater panorama of sea life. Shore

dives are possible off De Palm Island, Pos Chiquito and Baby Beach.

Their topography and vegetation are unusual for a Caribbean island. Divi-divi

trees, easily recognized by their distinctive wind-sculpted shape, dot a landscape

defined by miles of pristine white beaches and a rugged northeast coast.

Aruba is home to several natural reefs, including one of the most popular for

snorkelers, Barcadera Reef, thanks to its depth variations. Parts of the reef are

only about 20 feet deep, making it easily visible to snorkelers who want to see

several types of coral and all sorts of brightly colored fish.

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S B L I 2 0 1 2 S A l e s c o n t e s t - g e n e r a l A g e n t s

for more information contact chris mcauley at 781.994.5491 or email cmcauley@sbli.com

ARUBAContest Definitions

Eligible General Agency means a

General Agency appointed with

SBLI that is in good standing with

the Company, as described in the

contest rules. (page 2)

Paid premium means a premium

required to put a term life

insurance policy in force has been

received by the Company and has

cleared the payer’s account. For

purposes of this contest, life

insurance gross annual premiums

will count toward qualification.

Issued and paid policy or contract

means a level term life insurance

policy for which the premium

required to put the policy or

contract in force has been

received by the Company.

Payment must clear the payer’s

account for policies and contacts

to be considered issued and paid.

Contest dates mean the dates

between which business must

have been issued and paid to

qualify toward the SBLI “Be

Treated Like Royalty” contest.

The contest dates are July 1 -

December 31, 2012.

Additional Contest Rules

Participation is reserved exclusively for licensed and contracted SBLI General Agencies who are in good standing with the Company, including, but not limited to the General Agency’s continued compliance with the terms of their SBLI GA contract.

Up to the date of the “Be Treated Like Royalty” sales conference, policy or contract terminations could disqualify the contestant if the minimum qualifications above are no longer met as a result of such termination(s). To be eligible for prizes and trip awards, the GA may not have a negative commission balance at the time of the “Be Treated Like Royalty” sales conference. Surrenders-in-exchange (internal replacements) must be suitable and will count as one policy and the qualifying premium will be the difference between the old and the new premium, if any.

SBLI Management will select program winners based on calculated results. SBLI will follow IRS guidelines regarding tax reporting in connection with this event. All winners must remain licensed and contracted with SBLI at the time of the trip in order to remain eligible and to receive any prizes. Policies written on producers or any family members will not count.

*In the case of dispute, the Director of Independent Distribution will make the determination of incentive awards and have full discretion to settle any award dispute, after consultation with the Sr. Vice President of Marketing & Distribution.

ARUBA MARCH 21-25, 2013

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