1. Presenter Presenter’s Title Date
Introducing Phoenix Remembrance Life A Whole Life Policy Unlike Any Other
Presenter
Presenter’s Title
Date
Item#L5085PPT BPD (2/13)
For Agent Use Only. Not for distribution to the public as sales literature.

2. Introducing Phoenix Remembrance Life
A final expense policy designed for several needs:
Security
Income
Family Traditions
Higher Education

3. Introducing Phoenix Remembrance Life
Offers two unmatched benefits for one LOW premium: +
LUMP-SUM DEATH BENEFIT
INCOME STREAM
paid to age 85, or 5 years, by required Additional Income Coverage Rider (AICR)
With flexibility to allocate coverage:
50% + 50%
75% + 25%
25% + 75%
*AICR benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.
Product features, rider options and availability may vary by state.

4. Introducing Phoenix Remembrance Life
Included features at NO additional premium:
Critical Illness Rider: 50% advance* of lump-sum death benefit
Terminal Illness Rider: up to 95% advance* of lump- sum death benefit
Accidental Death Benefit: additional amount paid equal to 100% of lump-sum death benefit, up to age 75
*Exercise fees apply
Product features, rider options and availability may vary by state.

5. Introducing Phoenix Remembrance Life
Optional benefits for future generations*:
Legacy Rider – annual birthday gift payments to Rider Beneficiary
Paid until age 22
Children ages 0-15 are eligible
Benefit payments begin upon the death of the Insured
*Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.
Product features, rider options and availability may vary by state.

6. Introducing Phoenix Remembrance Life
Optional benefits for future generations*:
Education Benefit Rider – 4 consecutive annual installment payments for college tuition
Children ages 0-15 are eligible
Payments begin between ages 18-22
Requires annual verification of attendance at an eligible educational institution Or
Full-time active-duty enlistment in the United States Military
Benefits are available upon the death of the Insured
*Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.
Product features, rider options and availability may vary by state.

7. Introducing Phoenix Remembrance Life
Supplemental income benefit options*:
Lifetime Income Rider - monthly income for life of Rider Beneficiary
Income begins upon the death of the Insured
Income Term Rider - monthly income to Rider Beneficiary’s age 65
*Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.
Product features, rider options and availability may vary by state.

8. Hypothetical Example John’s Phoenix Remembrance Life policy provides:
John (age 60) is making preparations for his wife (age 60) and grandchild so they are financially taken care of once he is gone. He is building his Remembrance Life policy to provide income for his wife. Additionally, John is planning for his grandchildren’s birthdays and college education in case of his premature passing.
John’s Phoenix Remembrance Life policy provides:
$20,000 Total Coverage Amount – includes lump-sum and AICR payments. John chose a 25/75 allocation for his policy.
Legacy Benefit for each grandchild - $100 annually
Education Benefit for each grandchild - $5,000 annually

9. John’s Remembrance Life Policy
Agent Name Phoenix Agent
Client Name John Smith
State North Carolina
Insured Risk Class Non-Tobacco (Preferred)
Premium Mode Monthly
Insured Age 60
Insured Gender M
Benefit Amount
Premium Amount
Coverage and Riders:
Totals $102.93/mth
Benefit Allocation Benefit Allocation
Death Benefit/AICR
Policy Death Benefit 25/75
Additional Income Coverage Rider (AICR)
John’s Wife 60 Female
$20,000 $57.18/mth
Monthly
Premium:
$103
$5,000
$15,000
Lifetime Income Rider
Income Term Rider
Legacy Rider # of Beneficiaries 2
Grandaughter 8 Female
$100/yr $0.93/mth
Education Benefit Rider # of Beneficiaries 2
Grandaughter 8 Female
$5,000/yr $21.95/mth
AICR, Legacy Rider and Education Benefit Rider amounts are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits.

10. John’s Remembrance Life Policy
Benefit Summary
This Policy’s Minimum Benefit $5,000
(Base Death Benefit)
Maximum Potential* Benefit
$62,800
Potential* Income Benefit
Additional Income Coverage Rider & Optional Income Riders
$15,000
Potential*
Legacy Benefit
$2,800
Potential*
Education Benefit
$40,000
* Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits.

11. Let’s Compare 35% Savings! $55 $660 monthly annual difference
Phoenix Remembrance Life
Male, Issue Age 60, Preferred
Female AICR Beneficiary, Age 60
$20,000 Total Coverage Amount
(25% lump-sum/75% AICR)
$5,000 Annual Education Benefit per child
$100 Annual Legacy Rider per child
United Home Life Express Issue Premier
National Western
15 Year Living Benefit Term
Male, Issue Age 60, Non-Tobacco
Face Amount
United Home Life
$20,000
National Western
$42,800
Total
$62,800
Monthly Premium
$89
$70
$158
Lump-sum Death Benefit (min. guaranteed benefit)
$5,000
Maximum Potential Benefit*
$62,800
Monthly Premium
$103
$55
monthly
difference
$660
annual difference
35%
Savings!
Supplemental illustration for hypothetical purposes only. See the full illustrations provided by your presenter for all products for a complete information about each product’s features and benefits. The policies compared will have similar but not identical benefits and may have additional features and benefits not illustrated. All material benefits must be considered before recommending one policy over another. *Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits.

12. Let’s Compare Cumulative Premium Maximum Potential Benefits $ $
Insured’s
age at death
Insured’s
age at death
See previous slide for policy assumptions. Maximum benefit amounts for Remembrance Life are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. Rider premiums cease when rider terminates.

13. Remembrance Life Calculator
Use the Remembrance Life Calculator for Quick Custom Quotes
Solve for benefit amount or premium
Fully adjustable quotes
Easy to read
output
For agent use only. Not for distribution to the public as sales literature.

14. Hypothetical Example
Meet Sally Mae (age 50) and her sister Emma Lu (age 45). Emma Lu is widowed and relies on her sister to help take care of her. Sally Mae is taking out a policy to ensure her sister is taken care of financially once she is gone. Also, if she dies prematurely, she wants to help her nieces and nephew go to college, so she has purchased the legacy and educational benefit for each of them.
Sally Mae’s Phoenix Remembrance Life policy provides:
$20,000 Total Coverage Amount – includes lump-sum and AICR payments. Sally Mae chose a 50/50 allocation for her policy.
Legacy Benefit for all three children - $200 each annually
Education Benefit for all three children - $5,000 each annually

15. Sallie Mae’s Remembrance Life Policy
Agent Name Phoenix Agent
Client Name Sallie Mae Smith
State Florida
Insured Risk Class Non-Tobacco (Preferred)
Premium Mode Monthly
Insured Age 50
Insured Gender F
Benefit Amount
Premium Amount
Coverage and Riders:
Totals $58.56/mth
Benefit Allocation Benefit Allocation
Death Benefit/AICR
Policy Death Benefit 50% / 50%
Additional Income Coverage Rider (AICR)
Emma Lu Doe 45 Female
$20,000 $37.26/mth
Monthly
Premium:
$58.56
$10,000
$10,000
Lifetime Income Rider
Income Term Rider
Legacy Rider # of Beneficiaries 3
Peggy Sue 8 Female
John Michael 10 Male
Holly Mae 12 Female
$200/yr $0.64/mth
$200/yr $0.55/mth
$200/yr $0.48/mth
Education Benefit Rider # of Beneficiaries 3
Peggy Sue 8 Female
John Michael 10 Male
Holly Mae 12 Female
$5,000/yr $6.92/mth
$5,000/yr $6.50/mth
$5,000/yr $6.20/mth
AICR, Legacy Rider and Education Benefit Rider amounts are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits.

16. Sallie Mae’s Remembrance Life Policy
Benefit Summary
This Policy’s Minimum Benefit $10,000
(Base Death Benefit)
Maximum Potential* Benefit
$87,200
Potential* Income Benefit
Additional Income Coverage Rider & Optional Income Riders
$10,000
Potential*
Legacy Benefit
$7,200
Potential*
Education Benefit
$60,000
* Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits.

17. Let’s Compare 36% Savings! $33 $396 monthly annual difference
Phoenix Remembrance Life
Female, Issue Age 50, Preferred
Female AICR Beneficiary, Age 45
$20,000 Total Coverage Amount
(50% lump-sum/50% AICR)
$5,000 Annual Education Benefit per child (3)
$200 Annual Legacy Rider per child (3)
United Home Life Express Issue Premier
National Western
15 Year Living Benefit Term
Female, Issue Age 50, Non-Tobacco
Face Amount
United Home Life
$20,000
National Western
$67,200
Total
$87,200
Monthly Premium
$51
$41
$92
Lump-sum Death Benefit (min. guaranteed benefit)
$10,000
Maximum Potential Benefit*
$87,200
Monthly Premium
$59
$33
monthly
difference
$396
annual difference
36%
Savings!
Supplemental illustration for hypothetical purposes only. See the full illustrations provided by your presenter for all products for a complete information about each product’s features and benefits. The policies compared will have similar but not identical benefits and may have additional features and benefits not illustrated. All material benefits must be considered before recommending one policy over another. *Amounts are not guaranteed. Assumes Insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits.

18. Let’s Compare Cumulative Premium Maximum Potential Benefits $ $
Insured’s
age at death
Insured’s
age at death
See previous slide for policy assumptions. Maximum benefit amounts for Remembrance Life are not guaranteed. Assumes all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. Rider premiums cease when rider terminates.

19. 3 Easy Ways to Submit One and Done! Fill out Part 1 of the Application
Call Underwriting to complete the tele-interview
Convenient and Confidential
Client completes underwriting tele-interview at a scheduled time
Traditional
Complete full paper application

20. Marketing Materials Consumer Brochure Agent Field Underwriting Guide
Product Summary
Agent Quick Reference Guide
Optional Benefits Overview

21. Quick Quote Cards Total Coverage Amount Version
Monthly Premium Version

22. Consumer Presentation
Available on:
DVD
Brainshark
Phoenix Landing Page
PC Downloadable

23. Agent’s Virtual Kit
Live links with automatic updates for always current material
All sales tools in one easy spot
Product highlights

24. Client Postcards – coming soon!
For client prospecting

25. Other Resources Website: www.phoenixwm.phl.com/pc/index.jsp
Product information
State availability
Quotes
Marketing material
New business processing information
Live Support
Sales Desk
8 a.m. – 6 p.m. Eastern
Life New Business
option 2, 2, 2
8:30 a.m. – 5 p.m. Eastern
Tele-interviews
8 a.m. – 8 p.m. Eastern
Product Information
Marketing Fulfillment
Application Help
Pending Case Status
New Business Questions
Underwriting Eligibility

26. Why Phoenix Remembrance Life?
Address more needs with one product
Deepen client relationships
Stand out from the competition
Increase your average case size

27. Questions?
Guarantees are based on the claims-paying ability of the issuing company, PHL Variable insurance Company or Phoenix Life Insurance Company.
Phoenix Remembrance Life (1CC12FEWL) is issued by PHL Variable Insurance Company (PHLVIC).In Maine and New York, Phoenix Remembrance Life is issued by Phoenix Life Insurance Company (PLIC).PHLVIC is not authorized to conduct business in Maine and New York.
These insurers are separate entities and each is responsible only for its own financial condition and contractual obligations.
Members of The Phoenix Companies, Inc.
©2013 The Phoenix Companies, Inc.