For Producer Use Only. Not to be Used with Existing or Prospective Customers. A3RB E2 Field Office Personalization Here Multigenerational Legacy Program

OpportunityAdvantagesPlanningHow It WorksMarketAssistance Advantages Across Generations Meeting Your Client’s Multigenerational Needs Generation 1 – Grandparents Generation 2 – Adult Children Generation 3 – Grandchildren 2

OpportunityAdvantagesPlanningHow It WorksMarketAssistance Meeting Planning Goals for Generation 1 – Grandparents Preserve and control assets to positively impact children and grandchildren with:  Efficient use of assets  Ability to maintain control of assets and desired distribution  Provide a legacy that will have an enduring impact Advantages Across Generations 3

OpportunityAdvantagesPlanningHow It WorksMarketAssistance Advantages Across Generations Meeting Planning Goals for Generation 2 – Adult Children Create possibilities that help meet planning goals by:  Increasing financial security  Providing potential source of income for: –Supplemental retirement income –Education funding –Other financial planning goals 4

OpportunityAdvantagesPlanningHow It WorksMarketAssistance Meeting Planning Goals for Generation 3 – The Grandchildren Create a legacy by:  Providing financial protection  Improving financial well being  Potential source for education funding Advantages Across Generations 5

OpportunityAdvantagesMarketAssistancePlanningHow It Works Multigenerational Legacy Planning Helps clients maintain control and efficiently use their assets to benefit future generations. Uses permanent life insurance to provide both death benefit and possibilities through cash value to meet planning objectives. Planning Concept Overview 6 OpportunityAdvantages

OpportunityAdvantagesMarketAssistancePlanningHow It Works Permanent Life Insurance Helps Maintain Control 7 Planning Concept Overview Note: Policy structure may vary based on client’s specific needs and goals. Generation 1 (Grandparents) Penn Mutual Life Insurance Policy Multigenerational Trust Generation 3 (Grandchildren) Premium Payments Policy Transferred at Generation 1’s death Death Benefit Access to policy cash values Generation 2 (Adult Child/Children) Generation 2 (Adult Child/Children), Generation 3 (Grandchildren) Insured(s) Income Beneficiary(s) Step 1 Step 2 Step 4 Step 3

OpportunityAdvantagesPlanningHow It WorksMarketAssistance Targeting Prospects This Planning Solution Would be Ideal for Affluent Clients Who:  Are age 60 or older  Seek a way to positively impact future generations by leaving a legacy  Do not have estate tax concerns, but want to transfer wealth in an effective and efficient manner  Are living comfortably in retirement and have some liquid assets that are not needed to maintain their standard of living 8