National InsuranceAgency

Ken Smith

Director Of Critical Illness and Disability Income

Ksmith@assurity.com

Who is Assurity?

Located in Lincoln, Nebraska – successor to Woodmen Accident and Life Company, founded in 1890

A- Excellent, (4th highest of 16 ratings for financial strength) from A.M. Best Company

Member of Assurity Security Group, Inc. whose assets exceed $2 billion.

Who Is Assurity? (cont.)

Offering a well-rounded portfolio of unique products for the family market you reach

Specializing in disability income, critical illness, life, and annuity products

Providing quality Home Office service to you New business 4 business day service

guarantee on simplified underwritten products

NonMed Term 350NonMed Term 350

The Age of the Black BoxThe Age of the Black Box

For Agent Use OnlyPolicy Form I L0760

Life Insurance PolicyLife Insurance Policy

The Big DealThe Big Deal

The Product The Product

NonMedical NonMedical ConvenienceConvenience

Affordable PriceAffordable Price Maximum Rider Maximum Rider

FlexibilityFlexibility ConvertibilityConvertibility

The ProcessThe Process

Paper Application Paper Application Home Office Submission Home Office Submission

(Phase 1)(Phase 1) Black Box UnderwritingBlack Box Underwriting

(MVR, MIB, Script Check)(MVR, MIB, Script Check)

Decision RenderedDecision Rendered70% Automated70% Automated

Refer to UnderwritingRefer to Underwritingfor offers up to Table 8for offers up to Table 8

The Product: The Product: NonMedical ConvenienceNonMedical Convenience

NO needles NO fluids Decisions in days not months Higher face amounts for nonmedical

underwriting Standard nontobacco premium equivalent

to fully underwritten case

            ““Today

Today convenience

convenience

is the success factor of

is the success factor of

just about every type of

just about every type of

product and service that

product and service that

is showing steady

is showing steady

growth”

growth”

The Product: Affordable PriceThe Product: Affordable Price$200,000 Face Amount 20 Year Level Term$200,000 Face Amount 20 Year Level Term

(male, non tobacco, monthly premiums)(male, non tobacco, monthly premiums)

Age

LifeScape Term

(Standard N/T)

LifeScape Term

(Preferred)

Non Med Term 350 (Select+)

Non Med Term 350 (Select)

Non Med Term 350 (Standard)

Fidelity Life(Select)

American Fidelity

(NT)

2020 $ 27.28 $ 27.28 $ 20.42 $ 20.42 $ 16.90 $ 16.90 $ 19.71 $ 19.71 $ 26.05 $ 26.05   $ 19.05$ 19.05   $ 23.40$ 23.40

2525 $ 27.28 $ 27.28 $ 20.42 $ 20.42 $ 19.36 $ 19.36 $ 21.47 $ 21.47 $ 28.69 $ 28.69 $ 19.05 $ 19.05  $ 23.40 $ 23.40 

3030 $ 27.63 $ 27.63 $ 20.42 $ 20.42 $ 20.24 $ 20.24 $ 23.58 $ 23.58 $ 31.33 $ 31.33 $ 22.88$ 22.88 $ 26.48 $ 26.48 

3535 $ 30.27 $ 30.27 $ 22.88 $ 22.88 $ 27.10 $ 27.10 $ 32.31 $ 32.31 $ 44.00 $ 44.00 $ 27.93 $ 27.93  $ 32.58 $ 32.58 

4040 $ 39.25 $ 39.25 $ 29.04 $ 29.04 $ 38.37 $ 38.37 $ 46.29 $ 46.29 $ 64.59 $ 64.59 $ 38.02 $ 38.02  $ 48.42 $ 48.42 

4545 $ 59.49 $ 59.49 $ 42.59 $ 42.59 $ 57.02 $ 57.02 $ 69.17 $ 69.17 $ 97.15 $ 97.15 $ 53.68 $ 53.68  $ 71.46 $ 71.46 

5050 $ 89.76 $ 89.76 $ 63.18 $ 63.18 $ 89.58 $ 89.58 $ 107.01 $ 107.01 $ 147.66 $ 147.66 $ 95.44 $ 95.44  $ 111.96 $ 111.96 

5555 $ 130.24 $ 130.24 $ 90.82 $ 90.82 $ 142.03 $ 142.03 $ 167.90 $ 167.90 $ 227.22 $ 227.22 $ 167.65 $ 167.65    $ 161.82$ 161.82

6060 $ 202.22 $ 202.22 $184.10 $184.10 $ 212.96 $ 212.96 $ 250.80 $ 250.80 $ 337.22 $ 337.22   n/an/a $ 247.14 $ 247.14 

The policy descriptions of companies referenced in this document were not furnished by those respective companies. If there are questions regarding the descriptions provided, please contact a representative of the particular company.

The Product: Rider FlexibilityThe Product: Rider Flexibility Disability Waiver of Premium RiderDisability Waiver of Premium Rider Monthly Disability RiderMonthly Disability Rider

Two-year benefit; 90-day elimination; Two-year benefit; 90-day elimination; simplified underwritingsimplified underwriting(1.5% of face amount up to $3,000 maximum)(1.5% of face amount up to $3,000 maximum)

Accident Only Disability RiderAccident Only Disability Rider Children’s Term Insurance RiderChildren’s Term Insurance Rider Critical Illness RiderCritical Illness Rider

$20,000 - $100,000 lump-sum benefit; $20,000 - $100,000 lump-sum benefit; signature Assurity category approachsignature Assurity category approach

Return of Premium RiderReturn of Premium Rider Available for 20- & 30-year plansAvailable for 20- & 30-year plans

Other Insured RiderOther Insured RiderRider Form Nos. R I0762, R I0763, R I0764, R I0765, R I0766,R T25, R T27-E, A-R M35

Life InsuranceSimplified Whole Life:

Special Marketing features: Has:

Guaranteed and Level Death Benefits Guaranteed Cash Values Guaranteed and Level Premium

Simplified Underwriting with Jet Issue.

Level Benefit

• $5,000 - $50,000

• “No” to all health questions

• No physical

Graded Benefit

• $5,000 - $35,000

• “No” to all health questions in sections A & B

• No physical

Benefit payment

• 40% face year 1

• 75% face year 2

• 100% face year 3+

Modified Benefit

• $5,000 - $25,000

• Coverage possible for those finding coverage hard to find

• No physical

Benefit payment

• 110% return of premium in year 1

• 110% return of premium in year 2

• 100% of full face amount in year 3+

LifeScape Simplified Whole Life Insurance-- 3 great products options in 1 application --

Life InsuranceSimplified Whole Life Portfolio:

Non-illustrated product Age 0 - 80 Available Face Amount $5,000 - $50,000 Simplified Application Yes/No Underwriting No Paramedical Exam Tobacco & Non-Tobacco Rates, M & F Personal History Interview

Simplified WL App

Simplified WL App

Simplified WL App

Acci-Flex – Revolutionary New Product!

Accidental Life

+ Accidental DI Rider

+ Return of Premium Rider

Acci-Flex

Issue ages 18 to 60 (age last birthday)

Issue amounts $50,000 to $250,000

$45 policy fee commissionable

Underwriting = male/female/non-medical

Limited health questions Quick issue for qualified

applications

Affordable for everyone Accidental DI Rider

90 day elimination 2 year benefit $1800 max monthly

benefit Waiver of Premium Return of Premium

Acci-Flex Sample Rates

Can you sell this?

Male age 40, $150,000 coverage, $1500 DI Return of Premium

Non-SmokerIndustry Average Premium

$100 MonthlyNew Acci-Flex Life

$32 monthly

SmokerIndustry Average Premium

$175 MonthlyNew Acci-Flex Life

$32 monthly

Acci-Flex App

Critical IllnessWhy Assurity?

AssurityBalance Simplified Critical Illness (cont.) Return of Premium Death Benefit included: If

insured dies (of any cause) 100% of premiums paid (less any benefits received) are paid to the beneficiary

CI Riders: Return of Premium Rider Disability Waiver of Premium Rider Accidental Death Benefit Spouse Rider Children’s Rider