1. What is the Fastest Growing Market?
Fidelity and Guaranty Life's answer is:
HomeCertain

2. “Pays Your Mortgage if You Die -- Refunds Your Money if You Live”
HomeCertain Product Positioning
“Pays Your Mortgage if You Die -- Refunds Your Money if You Live”
Consumers
HomeCertain provides the flexible, comprehensive coverage I need to ensure the security of my family and their home.
HomeCertain provides the protection I need, when I need it, and refunds my money if I don’t.
Agents
HomeCertain is the easiest mortgage term product for me to sell.
HomeCertain provides the flexible, comprehensive, competitively priced coverage my clients need to ensure the security of their families and homes.

3. Target Market New and existing homeowners Ages 30-50
Married couples with a combined income of $50,000-$100,000
Average face amount expected to be $110,000

4. HomeCertain: Product Highlights
Competitive rates
Fully guaranteed rates available
“New” expanded issue ages
More riders, more stories to tell
Liberal preferred underwriting
More policies issued as applied for
Ratings up to table D accepted as standard
Faster turnaround time
Commissionable policy fee

5. HomeCertain’s Policy Design
10, 15, 20, 25, or 30-year term
Rates guaranteed for 15 years on 30 year level term, for 5 years on all other plans (can be extended by rider)
Level and decreasing versions
Tremendous selection of riders
Premium guarantee rider
Money back return of premium rider
Critical illness protection rider
Other insured rider
Disability protection rider
Waiver of premium - disability
Waiver of premium - unemployment
Ultimate income endorsement
Accidental death benefit rider
Child’s level term life rider

6. HomeCertain Policy Design
Issue Ages (age last birthday)
5 Year Guarantee Full Term Guarantee
10 year plan
15 year plan
20 year plan
25 year plan
30 year plan

7. HomeCertain Is Easy to Sell
Simple premium class structure
Ratings up to table D accepted as standard
5 business day turnaround time on non-medical cases
On face amounts up to $250,000 there is no paramed exam, but we do require:
The mortgage must be 13 months old or less;
The face amount may not exceed 125% of mortgage amount
Face amounts as low as $25,000
Commissionable policy fee

8. HomeCertain Is Easy to Sell
What is a valid mortgage lead?
A lead card containing mortgage information
A copy of the mortgage paperwork signed by the applicant
A signed copy of the closing statement on the home that shows the mortgage balance
A copy of the mortgage payment coupon
A copy of Fidelity & Guaranty Life’s referral form
Note that the mortgage balance and origination date must be shown

9. HomeCertain Is Easy to Sell
Fidelity & Guaranty Life’s Mortgage certification form
Mortgage certification form
I hereby certify the following information is correct:
Name _____________________________________
Address ___________________________________
Phone # ___________________________________
Loan # ____________________________________
Loan Amount _______________________________
Mortgage Origination Date ____________________
Financial Institution __________________________
Referred By ________________________________
I understand that I am applying for a life insurance policy that is available to homeowners who have secured a mortgage loan in the last 13 months. I hereby certify that the above information is true and correct
Date __________________________
___________________ __________________
Applicant Agent
All information must be completed.

10. HomeCertain Base Policy Designs
Decreasing Term Product
Same as level product except:
Face amount decreases using a 10% mortgage amortization schedule
Decreasing stops once death benefit falls to half the initial face amount
Lower premiums than the level term
Issue ages on 30 year term, 5 year premium guarantee
Premium guarantee rider not available
Ultimate income rider not available

11. Opportunity to Earn More Commissions
Sell HomeCertain at 125% of mortgage and increase your commissions
Help clients provide life insurance protection for auto loan and consumer debt
Remember with money back provision your client receives a return of their premium

12. HomeCertain Riders Money Back Rider
Concept: If you don’t need the insurance, we give you all of your money back at the end of the initial term
Partial money back available for early lapses after 5 policy years
Not available for 10 year level term period plan
Available at issue only
Return of premium paid will be reduced by any amount paid under any rider not to exceed total premium paid
Typically increases the premium by 30% on the 30- year term, by 50% on the 25- year term, by 90% on the 20-year term, and by 144% in the 15- year term
Terminates at end of initial term; rider benefit is transferable

13. Money Back Rider Concept:
Coverage for your client if they need it…return of premium if they don’t!
Available at issue only
Typically increases the premium by 30% on the 30- year term, by 90% on the 20-year term, and by 144% in the 15- year term

14. HomeCertain Riders Money Back Rider
Full money back is paid only if the policy is kept in force to the end of the term period
No money back is paid for early lapses in the first 5 policy years
Partial money back is available for early lapses after 5 policy years, in the following percentages of premiums paid:

15. Accidental Death Benefit
The beneficiary can receive an additional death benefit of 50% of the face amount in the event of certain accident related deaths of the insured
No Cost Benefit - HomeCertain
Issue ages 0-60 (age last birthday)
May be added at any time with evidence of insurability
Maximum benefit up to $250,000

16. Children’s Level Term Life Rider
One premium is charged for all covered children
Issue ages: 15 days through 18 years of age; age last birthday
Minimum/ maximum: $5,000/ $10,000; available in increments of $1,000
If primary insured dies while this rider is in effect; each child will receive a paid- up term life policy to age 25.
Convertible to age 25.

17. Critical Illness Protection Rider
Accelerates payout of the death benefit not to exceed 50% or $250,000 which ever is less
Policy owner selects the amount at issue
Upon the diagnosis by a physician of: life threatening cancer, heart attack, stroke, paralysis, renal failure, major organ transplant, loss of sight, loss of two or more limbs
Issue ages: same as base plan; age last birthday
Must complete a supplemental questionnaire

18. Disability Protection Rider
Monthly benefit is limited to the lesser of:
$1,500 monthly or
1.5% of the life insurance amount
66 2/3% of monthly pay
2 year benefit with a 90 day waiting period
Issue ages: 20-55
Coverage terminates on policy anniversary following insured age 60
Available on primary insured and spouse

19. Extended Premium Guarantee Rider
Makes the premium rates for the base life coverage fully guaranteed for the 10, 15, 20, 25, or 30 year term period
Adds approximately 20% to the price of the base life coverage
Extended premium guarantees do not affect policy riders:
Rider prices are already guaranteed, except for Disability Protection and Critical Illness, which do not have guaranteed premiums
Available on the level HealthCertain product only

20. Other Insured Rider
Up to 4 people can be insured under the same policy
Ideal for families and businesses - allows policyowner to add or drop insureds as needed
Death of one insured does not affect coverage on others
Face amounts may vary by individual
Available for all term periods

21. Unemployment Protection Rider
If unemployment lasts greater than one month, premiums are waived for the next six months as long as the unemployment continues
Issue ages: for primary insured only; age last birthday
No cost benefit
The rider is attached automatically in all states where approved

22. Waiver of Premium Rider
Protects a policy owner from losing insurance during periods of prolonged disability of the primary insured
Issue ages: for primary insured only
180 day waiting period; disability must begin before age 60
May be added at any time with evidence of insurability
Total disability is defined as “any occupation” definition; continuing proof of disability required

23. Ultimate Income Endorsement
Ideal for Income Replacement Sales
Easier for your client to understand
Selling Income - Not Face Amount
Flexibility in Death Benefit Payment
Usually results in sizable discount over traditional capital approach to needs determination
Consider the following example...

24. Ultimate Income Endorsement
40 year old Male Preferred Non-Tobacco
Needs death for immediate cash needs
Also needs $3,000 per month income replacement for 25 years until age 65
Wants to help supplement spouses retirement with additional $100,000 paid at the end of 25 years.
A traditional capital needs approach would cost $1,156
With the Ultimate Income Rider the client can receive the payment exactly as they want - GUARANTEED. For a premium of $877 which represents a savings of 24%.

25. Ultimate Income Endorsement
The Ultimate Income Rider allows the policyholder to designate how the benefit will be paid with any or all of the following options:
An initial lump sum payable at death to take care of immediate cash needs
A choice of 5 to 25 years of dependable guaranteed monthly income
A final lump sum to be used when the income stream is completed
This benefit calculation is software supported

26. Ultimate Income Endorsement
Can be changed at any time by Owner
Guarantees Income at a time it is needed most
Allows the spouse to “control” proceeds
Easier to sell actual income instead of large face amounts
Flexibility in death benefit design can reduce premiums in competitive situations
Eliminates concern for investment expertise

27. What Does Table D Mean? . . . without an APS!
Non-insulin dependent diabetic - treated by diet or medication
Hypertension - up to two medications are acceptable
Asthma - inhaled or oral medications
Arthritis - rheumatoid or joint disease under medication
Anxiety/Depression - mild, short-term, medications
Height/Weight - Male 6’0” - up to 317 pounds
- Female 5’6” - up to 270 pounds
. . . without an APS!

28. Advantages of HomeCertain
You can have confidence in quoting rates
Higher placement ratio
No paramed on most sales
Dramatically quicker turnaround time from home office
Long term guarantees
Mortgages up to 13 months old
Ability to write up to 125% of mortgage

29. Summary
Fidelity & Guaranty Life designed HomeCertain to aggressively compete in the mortgage market
HomeCertain continues to exemplify Fidelity & Guaranty Life’s commitment to niche market opportunities
HomeCertain has delivered in the past. It is the life sales opportunity for 2003 and beyond

30. If you are selling Major Medical coverage,
what would be on your wish list for a life product for these clients?

31. Life Product Wish List For Health Agent
Competitive rates
Fully guaranteed rates
Up to 30-year term available
Competitive riders, more stories to tell
Simple application with no exam required
Quicker turnaround time
What’s Fidelity & Guaranty Life’s answer??