Issue ages: 0-80 Standard & Preferred UW classes Coverage available to age 120 Tobacco and Non-Tobacco Rates No Lapse Guarantee 3% Guarantee Interest Rate Accidental Death Benefit Disability Income Rider Age 50 and Under No-Medical $99,999! No Waiting Periods! No Deductibles or Age Limits! Great Policy for Kids: Builds Cash Value for College, 2.25% Bonus on 4 th Anniversary

2 The Universal Life policy you are considering, also known as a flexible premium adjustable life policy, allows for a flexible Death Benefit and flexible premium payments. These flexible premiums are payable up to age 120. The policy value changes based on your premium payments, withdrawals, monthly policy charges and the interest rate credited to the policy. This rate is subject to change at any time, but is guaranteed never to be less than 3.00 % (effective annual rate). Bonus 4 th Anniversary of policy 2.25%! After the first policy anniversary, you can borrow against the net cash value of your policy, using the policy as collateral.

3 Life insurance protection is combined with cash accumulation. Premiums are paid into the policy’s cash value. Interest is then paid by the insurer, based on current market conditions. Monthly charges, loans and/or withdrawals are deducted from the cash value while the balance plus amount of any loan earns interest. The interest earnings are not taxed as long as they remain in the policy.

4 IA American Life Insurance Company (IAA) was established in 1892 and built on a foundation of strength and stability, IA’s history has been one of continuous, strategic growth with a focus on putting customers first. IA holds a Financial Strength Rating of A (Excellent) with A.M. Best A+ (Strong) from Standard & Poors Waco, Texas – All Customer Service is Provide Local

5 Example: $100,000 Universal Life 30 Year Old Male, Non-Smoker. Monthly Premiums: $28.59 Minimum Premium: Guaranteed coverage = 20 years $100,000 benefit. $43.09 Target Premium: Coverage to age 80 & Cash Value used to extend plan! $74.76 Guideline Level Premium: Coverage to age 120 & $339,185 Cash Value!

6 Adjust Your Premiums to Meet Your Goals and Current Budget! Unlike Term Insurance, Universal Life Can Continue Until Death Universal Life Rates Are “Locked-In” at Purchase Age. Unlike Annual Renewable Term, You Do Pay Expensive Older Age Rates! Better Than Whole Life Because You Can Qualify for More Face Value at Lower Rates! Start Kids Out on a Life Insurance Policy That Will Last a Lifetime! They Never Have to Re-qualify and the Rates are “Locked-In” It’s Your Money, Use It When You Need It! Partial Withdrawals May Be Taken Each Year Up To 100% of the Cash Value. Tax-Deferred Accumulation of Cash Value!

7 Add-On Features: Accidental Death Benefit Issue Limit: $150,000 or face amount of the base policy, whichever is less. Rate $1.00 per $1,000. Disability Income Rider Issue Ages: 18 – 55 Minimum Disability Income Benefit: $500 monthly Maximum Disability Income Benefit: 2% of the life insurance face amount up to $2,000 monthly benefit, whichever is less. For persons earning less than $25,000 annually the maximum DIR benefit is 2% of the life insurance face amount up to $900 monthly benefit, whichever is less.

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