1. FEP-07 UAI0396 1007

2. We’ve been in the insurance industry since 1947. Policyholders can count on our strength and stability. A+ (Superior) rating for overall financial strength from A.M. Best — we’ve earned this rating for more than 30 consecutive years. (as of 6/07) AA “Very Strong” for financial strength from Standard & Poor’s. (as of 2/06)

3. Strength and Stability Proof of our policyholders’ confidence and loyalty: More than 500,000 UA policies in force* More than $1 billion of insurance in force* * Based on UA statistical data (2006). “We have had United American for almost 20 years. It is a great company. They always pay promptly and are accepted everywhere.” — Willie L., Sr., Illinois

4. What if you weren’t here tomorrow or a month from now? Death is an inevitable part of life. But we have no way of knowing when. You can help prepare your family today for the future.

5. The loss of a loved one is a very emotional time for family members. Funeral expenses add additional stress to their list of new financial worries.

6. What if your family had to add your funeral expenses on top of its daily living expenses such as: Final expenses for funeral costs Replacing lost income Paying the mortgage Funding children’s college tuition Paying credit card and other debt Could they survive financially without your income?

7. You can make your family more financially secure if something happens to you!

8. An individual life insurance policy can help your family. Choose a life insurance policy that meets your family’s needs.

9. Policies ranging from $1,000 to $20,000 Policy Forms RT10/RT10GD, SWL/SWLGD, URL-CBP

10. Term Life Option 10-Year Renewable Term Life insurance coverage that lasts for 10 years and will be automatically renewed at the end of the term for another 10 years. Premiums stay the same throughout the 10-year term regardless of health changes within each term. Policy Forms RT10/RT10GD, SWL/SWLGD, URL-CBP

11. Whole Life Options Whole Life Insurance gradually builds cash and loan value that you can surrender, convert, or take a loan in the future. Whole Life Coverage that lasts for the life of the individual, and builds cash and loan value from its premiums. Premiums stay the same for the life of the policy. 21-Pay Increasing Benefit Whole Life Coverage that lasts for the life of the individual, and builds cash and loan value from its premiums. Premiums stay the same for 21 years, then the policy is paid-up for life. Policy Forms RT10/RT10GD, SWL/SWLGD, URL-CBP

12. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life RT10 / RT10GDSWL / SWLGDURL-CBP Issue ages 0 – 600 – 800 – 72 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10- year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life No physical exam required  Policy is guaranteed renewable YES (to age 121)YES Policy cannot be canceled as long as premiums are paid on time  Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Policy builds cash and loan value from premiums paid during life of policy YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase reduced paid-up policy in full YES Policy grows 5% each policy year for 20 years until it doubles YES

13. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life RT10 / RT10GDSWL / SWLGDURL-CBP Issue ages 0 – 600 – 800 – 72 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10- year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life No physical exam required  Policy is guaranteed renewable YES (to age 121)YES Policy cannot be canceled as long as premiums are paid on time  Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Policy builds cash and loan value from premiums paid during life of policy YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase reduced paid-up policy in full YES Policy grows 5% each policy year for 20 years until it doubles YES

14. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life RT10 / RT10GDSWL / SWLGDURL-CBP Issue ages 0 – 600 – 800 – 72 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10- year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life No physical exam required  Policy is guaranteed renewable YES (to age 121)YES Policy cannot be canceled as long as premiums are paid on time  Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Policy builds cash and loan value from premiums paid during life of policy YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase reduced paid-up policy in full YES Policy grows 5% each policy year for 20 years until it doubles YES

15. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term Whole Life 21-Pay Increasing Benefit Whole Life RT10 / RT10GDSWL / SWLGDURL-CBP Issue ages 0 – 600 – 800 – 72 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10- year term Stay the same for the life of the policy Stay the same for 21 years, then the policy is paid up for life No physical exam required  Policy is guaranteed renewable YES (to age 121)YES Policy cannot be canceled as long as premiums are paid on time  Graded death benefit for people with certain health conditions who may be otherwise considered uninsurable (where state approved) YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Policy builds cash and loan value from premiums paid during life of policy YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase reduced paid-up policy in full YES Policy grows 5% each policy year for 20 years until it doubles YES

16. Add any of these Optional Riders to your policy: Optional Disability Waiver of Premium Rider United American will waive all future premiums for the insured should disability occur before age 60. Optional Child Term Life Rider Available only with the purchase of an adult life insurance policy. Choose $5,000 or $10,000 coverage for all your eligible children ages 0 to 23. Benefits end at age 25 if not converted prior to expiration. Continued… * The Waiver of Premium Rider, Child Term Life Rider, and Accidental Death Benefit Rider are subject to underwriting acceptance and possible premium increase. No physical exam required.

17. Add any of these Optional Riders to your policy: Optional Accidental Death Benefit Rider Increase the benefit amount one to four times the policy face value should the insured’s death be the result of an accident. Optional Deposit Fund Rider Available only with 10-Year Renewable Term policy. Deposits may be made with premium payments to create an interest bearing account that can be used for any purpose. Guaranteed minimum interest rate is 3%. * The Waiver of Premium Rider, Child Term Life Rider, and Accidental Death Benefit Rider are subject to underwriting acceptance and possible premium increase. No physical exam required.

18. The most logical reason to purchase life insurance is to relieve your family from the burden of paying for your final expenses when you die. But, it’s not the only reason.

19. If you suddenly aren’t there, will your family be able to afford … Final expenses for funeral costs Replacing lost income Paying the mortgage Funding children’s college tuition Paying credit card and other debt

20. Would you also like to leave a nest egg to help your children or grandchildren with their future financial goals?

21. A life insurance policy can help your family. Choose a life insurance policy that meets your family’s needs.

22. Policies ranging from $25,000 to $500,000 Policy Forms RT10, UL10-20, SWL

23. Term Life Options 10-Year Renewable Term Life insurance coverage that lasts for 10 years and may be renewed at the end of the term for another 10 years. Premiums stay the same throughout the 10-year term. 10-Year Term to Annual Renewable Term (ART) Life insurance coverage that lasts for 10 years. Premiums stay the same throughout the 10-year term. At the end of the term, the policy can be renewed on an annual basis. 20-Year Term to Annual Renewable Term (ART) Life insurance coverage that lasts for 20 years. Premiums stay the same throughout the 20-year term. At the end of the term, the policy can be renewed on an annual basis. Policy Forms UL10-20, SWL

24. Whole Life Options Whole Life Insurance gradually builds cash and loan value that you can surrender, convert, or take a loan in the future. Whole Life Life insurance coverage that lasts for the life of the individual, and builds cash and loan value from its premiums. Premiums stay the same for the life of the policy. Policy Forms UL10-20, SWL

25. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART)Whole Life UL10-20 SWL Eligibility ages for policy issue 0 – 6020 – 7020 – 600 – 80 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy Policy is guaranteed renewable YES (to age 95) YES Policy cannot be canceled as long as premiums are paid on time  Policy builds cash and loan value from premiums paid during life of policy YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase fully paid-up policy YES

26. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART)Whole Life UL10-20 SWL Eligibility ages for policy issue 0 – 6020 – 7020 – 600 – 80 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy Policy is guaranteed renewable YES (to age 95) YES Policy cannot be canceled as long as premiums are paid on time  Policy builds cash and loan value from premiums paid during life of policy YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase fully paid-up policy YES

27. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART)Whole Life UL10-20 SWL Eligibility ages for policy issue 0 – 6020 – 7020 – 600 – 80 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy Policy is guaranteed renewable YES (to age 95) YES Policy cannot be canceled as long as premiums are paid on time  Policy builds cash and loan value from premiums paid during life of policy YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase fully paid-up policy YES

28. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART)Whole Life UL10-20 SWL Eligibility ages for policy issue 0 – 6020 – 7020 – 600 – 80 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy Policy is guaranteed renewable YES (to age 95) YES Policy cannot be canceled as long as premiums are paid on time  Policy builds cash and loan value from premiums paid during life of policy YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase fully paid-up policy YES

29. Note: Availability and policy benefits vary by state. UA Life Product 10-Year Renewable Term 10-Year Term to Annual Renewable Term (ART) 20-Year Term to Annual Renewable Term (ART)Whole Life UL10-20 SWL Eligibility ages for policy issue 0 – 6020 – 7020 – 600 – 80 Coverage from first day policy is issued — no waiting period YES Premiums Stay the same within 10-year term Stay the same for 10 years, then changes annually Stay the same for 20 years, then changes annually Stay the same for the life of the policy Policy is guaranteed renewable YES (to age 95) YES Policy cannot be canceled as long as premiums are paid on time  Policy builds cash and loan value from premiums paid during life of policy YES Terminal illness accelerated benefit rider — upon proof of terminal illness, pays 50% of current benefits available prior to death (where state approved) YES Choice to convert built-up cash value of policy into paid-up term coverage for limited number of years based on your age and cash value available YES Option to use cash value of policy to purchase fully paid-up policy YES

30. Add any of these Optional Riders to your policy: Optional Disability Waiver of Premium Rider United American will waive all future premiums for the insured should disability occur before age 60. Issue ages 18 to 55. Optional Child Term Life Rider Available only with the purchase of an adult life insurance policy. Choose $5,000 or $10,000 coverage for all your eligible children ages 0 to 23. Benefits end at age 25 if not converted prior to expiration. Optional Accidental Death Benefit Rider Increase the benefit $25,000, $50,000, $75,000, or $100,000 should the insured’s death be the result of an accident. Issue ages 18 to 60. * The Waiver of Premium Rider, Child Term Life Rider, and Accidental Death Benefit Rider are subject to underwriting acceptance and possible premium increase.

31. UA Partners ® Our optional non-insurance discount health services program is also available. Receive discounts on: Chiropractic — 20% to 40% Dental — 10% to 50% Eye Care — 20% to 60% Hearing Aids — 10% to 20% Prescriptions — Average of 20% Mail Order Pharmacy — Save More $$ * Plans may vary by state. DISCLOSURE: This is NOT a health insurance policy. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. This plan is administered by Best Benefits, Inc., (a discount medical plan organization) at 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631, 1-800-308-0374. You have the right to cancel and receive a full refund within 30 days.

32. Thank you