Term protection during your Prime Term protection during your Prime TimeTime

Permanent protection for a Life Permanent protection for a Life TimeTime

PrimeTerm 70 RPUPrimeTerm 70 RPU

PrimeTerm 70 RPUPrimeTerm 70 RPU

Another innovative “No-Loss” Term PlanAnother innovative “No-Loss” Term PlanAvailable only through LBLAvailable only through LBLGoldGold and and SilverSilver level agents level agents

Designed for the individual who:Designed for the individual who:

Needs term insurance until retirement Needs term insurance until retirement age, andage, and

Does not want to “waste” life insurance Does not want to “waste” life insurance premiums for no permanent value!premiums for no permanent value!

PrimeTerm 70 RPUPrimeTerm 70 RPU

PrimeTerm 70 is a Term plan that will:PrimeTerm 70 is a Term plan that will:

Protect the insured for the full face amount Protect the insured for the full face amount to age 70, or for 20 years, whichever is to age 70, or for 20 years, whichever is longer. longer.

Become a permanent insurance plan 2 Become a permanent insurance plan 2 different ways.different ways.

PrimeTerm 70 RPUPrimeTerm 70 RPU Has a conversion option: Has a conversion option:

Starting the second year prior to age of 65.Starting the second year prior to age of 65.

Full face amount of coverage can be Full face amount of coverage can be convertible to a permanent plan without convertible to a permanent plan without evidence of insurability.evidence of insurability.

New commissions are generated by the New commissions are generated by the conversion on the increase in premium.conversion on the increase in premium.

PrimeTerm 70 RPUPrimeTerm 70 RPU

Traditionally, premiums paid for term life Traditionally, premiums paid for term life insurance went “out the window” unless:insurance went “out the window” unless:

A death benefit was paid, or,A death benefit was paid, or,

Extra premium paid for a ROP rider.Extra premium paid for a ROP rider.

LBL has a smarter way for an insured to have LBL has a smarter way for an insured to have value for their term life insurance premiums.value for their term life insurance premiums.

PrimeTerm 70 RPUPrimeTerm 70 RPU

Has a “No Loss” non forfeiture provision Has a “No Loss” non forfeiture provision built into the plan: built into the plan:

At age 70 (or 20 years) the plan becomes a At age 70 (or 20 years) the plan becomes a “reduced paid-up” policy where the face “reduced paid-up” policy where the face amount is equal to all of premiums paid. amount is equal to all of premiums paid.

Plus, there are no more premiums!Plus, there are no more premiums!

Guaranteed!Guaranteed!

PrimeTerm 70 RPUPrimeTerm 70 RPU

By choosing this plan:By choosing this plan:

Client does not waste the premiums paid for Client does not waste the premiums paid for term insurance . term insurance .

Client has a paid up policy that can be used Client has a paid up policy that can be used to cover his final expenses at retirement. to cover his final expenses at retirement.

Combined with an annuity, it can also Combined with an annuity, it can also become a great retirement building tool.become a great retirement building tool.

Where PrimeTerm 70 Fits……Where PrimeTerm 70 Fits…… Male Preferred , Non-Tobacco, Age 35 $250,000 Death BenefitMale Preferred , Non-Tobacco, Age 35 $250,000 Death Benefit

““$250,000 Term Coverage to age 70”$250,000 Term Coverage to age 70”

$59,000 Permanent Protection for Life with $59,000 Permanent Protection for Life with $0 Premiums!$0 Premiums!

20 Year Term*20 Year Term* 30 Year Term*30 Year Term* GNLUL**GNLUL** Whole Life***Whole Life***

$ 287.00$ 287.00 $ 422.50$ 422.50 $ 1,272.50 $ 1,272.50 $1,487.50$1,487.50 $ $ 2467.282467.28

$ 908.50 ROP$ 908.50 ROP $ 832.33 ROP$ 832.33 ROP

* Transamerica Life Ins co, Ultima Champion Term* Transamerica Life Ins co, Ultima Champion Term

** Genworth Life Insurance Co, Gen Guard UL (Guaranteed UL)** Genworth Life Insurance Co, Gen Guard UL (Guaranteed UL)

*** Sagicor Life Insurance Company, Gold WL*** Sagicor Life Insurance Company, Gold WL

PrimeTerm 70 RPUPrimeTerm 70 RPU

20 years of coverageConvertible

prior to Age 65“No Loss” RPU equal to ROP

Age 65 Age 85

Age 25 Age 70

45 years of coverageConvertible

prior to Age 65“No Loss”

RPU equal to ROP

PrimeTerm 70 RPUPrimeTerm 70 RPU

Male Age 30 PNTMale Age 30 PNT

Age 30 Age 70

40 years of coverage$100,000

Convertible prior to Age 65

$541 annual premium ($48.42 BD)

$23,300“No Loss”

RPU equal to ROP$12,700 CV

PrimeTerm 70 RPUPrimeTerm 70 RPU

Male Age 45 PNTMale Age 45 PNT

Age 45 Age 70

25 years of coverage$100,000

Convertible prior to Age 65

$889 annual premium ($79.57 BD)

$24,000“No Loss”

RPU equal to ROP$13,000 CV

PrimeTerm 70 RPUPrimeTerm 70 RPU

Male Age 65 PNTMale Age 65 PNT

Age 65 Age 85

20 years of coverage$100,000

$4,195 annual premium ($375.45BD)

$90,200“No Loss”RPU equal

to ROP$69,300 CV

PrimeTerm 70 RPUPrimeTerm 70 RPU

Issue Ages 18 – 65Issue Ages 18 – 65

$100,000 minimum face amount$100,000 minimum face amount

2 premium bands: 2 premium bands: 1.1. $100,000 - $499,999$100,000 - $499,999

2.2. & $500,000 +& $500,000 +

Preferred Non-Tobacco rates available Preferred Non-Tobacco rates available

PrimeTerm 70 RPUPrimeTerm 70 RPU

Guaranteed coverage to Age 70, or 20 Guaranteed coverage to Age 70, or 20 years if longeryears if longer

Reduced Paid Up (RPU) Face amount equal Reduced Paid Up (RPU) Face amount equal to or greater than all premiums paid, to or greater than all premiums paid, Guaranteed!Guaranteed!

20% first year discount available if paid 20% first year discount available if paid annuallyannually

No illustrations requiredNo illustrations required

Excellent riders available to meet family Excellent riders available to meet family needsneeds

Guaranteed coverage to Age 70, or 20 Guaranteed coverage to Age 70, or 20 years if longeryears if longer

Reduced Paid Up (RPU) Face amount equal Reduced Paid Up (RPU) Face amount equal to or greater than all premiums paid, to or greater than all premiums paid, Guaranteed!Guaranteed!

20% first year discount available if paid 20% first year discount available if paid annuallyannually

No illustrations requiredNo illustrations required

Excellent riders available to meet family Excellent riders available to meet family needsneeds

Commission Advance and Bonus ProgramCommission Advance and Bonus Program

Go for the GoldGo for the GoldLiberty Bankers Life Agents can qualify to receive advanced commissions without an interest charge. The amount of the advance and reserve is based on the agent’s own “Product Blended” Persistency. In addition, any agent at the Gold level is eligible to qualify for a renewal bonus. Agent’s performance will be reviewed quarterly. Newly appointed agents will have their persistency reviewed after the 7 th month.

GOLD: An agent with a 13th month persistency rate of 75%> qualifies for a 9 month commission advance (with appropriate salvage account) AND renewal commissions in years 2, 3, and 4 will be “BONUSED” up by 50%. This agent is also eligible to qualify for incentive trips!

SILVER: An agent with a 13th month persistency rate of 65% - <75% qualifies for a 9 month commission advance (with appropriate salvage account). This agent is also eligible to qualify for incentive trips!

Bronze: An agent with a 13th month persistency rate of 58% - <65% may qualify for a 6 month commission advance (with appropriate salvage account). Renewal commissions for year 2, 3, & 4 will be adjusted down by 50%.

Advance commission qualification is based on a favorable background checkinclusive of vector report

PrimeTerm 70 RPUPrimeTerm 70 RPUThe ideal term product for The ideal term product for Today Today

and and Tomorrow’sTomorrow’s insurance needs from : insurance needs from :

Peace of mind through innovationPeace of mind through innovation

When it comes to selling term insurance When it comes to selling term insurance

Do the right thing!Do the right thing!