1. There is a story to the candy!

2. “We need to address the taxes on your annuities!”

3. Potential Taxable Gain: $120,000 Purchase Year Age 60 Female Year 10 Age 70 Female Age 90 Female Year 20 Age 80 Female **Life Expectancy of 60 Year Old Female Is 24 Years Or 84 Years Old

4. If death occurs in Year #20 at age 80 - Purchase Year Age 60 Female Year 10 Age 70 Female Age 90 Female Year 20 Age 80 Female *Based upon annuity transferring to beneficiary at death and 33% income tax bracket Current Value: $148,824 Taxable Gain: $68,824 Tax Bill: $22,711 Value After Taxes? $126,113

5. “We need to address the taxes on your annuities!”

6. It’s Time To Address The Tax Impact Of Your Annuity! Purchase Year Age 60 Female Year 10 Age 70 Female Age 90 Female Year 20 Age 80 Female Year #10 Surrender Value: $110,739 *Client Is Now 70 Years Old

7. Single Premium$110,000 Death Benefit$161,732 Funds Available For Confined Care$146,732 @ 2% Per Month$3,235 Funds Available For Community Care$146,732 @ 1% Per Month$1,617 Funds Available For Terminal Illness$161,732 Surrender Option *Based on 70 year old female, non-tobacco, standard issue *For purposes of this example, the taxes due upon surrender of the annuity are paid from other sources.

8. Single Premium$110,000 Second-To-Die Death Benefit$179,591 Uninsurable? Good News! Available as second-to-die option! Requires only one insurable person Death benefit is maximized and payable upon death of second person Confined Care, Community Care and Terminal Illness Riders are not available on the second-to-die option. Example (70 year old female and 75 year old male):

9. $11,074 Penalty Free Withdrawal $16,162 Individual Legacy SPWL (70 year old female NT) 1.She reduces amount of taxable gain. 2.Pays taxes at her lower tax bracket. 3.Death benefit can be used by beneficiary to pay taxes that are due at time of her death. Penalty Free Withdrawal Option

10. 800000 $100,000 80000$115,927 80000$134,392 80000$160,471 80000$186,029 $14,882 Penalty Free Withdrawal $16,162 Individual Legacy SPWL (70 year old female NT) $17,123 Individual Legacy SPWL (80 year old female NT) + =$33,285 Ladder Option $11,074 Penalty Free Withdrawal

11. Annual Premium For Three Years $16,162 Total Premium Outlay$48,486 Death Benefit$64,003 Funds Available For Confined Care$49,003 @ 2% Per Month$1,280 Funds Available For Community Care$49,003 @ 1% Per Month$640 Funds Available For Terminal Illness$64003 Available As 3-, 5- and 10-Pay Option! *Based on 70 year old female, non-tobacco, standard issue

12. Certificate of Deposit Versus SPWL (70 year old female NS standard issue, 3% interest rate and 20% income tax bracket) YearNet After Tax CD Value $100,000 Single Premium Death Benefit $100,000$147,100 1$102,400$147,100 2$104,858$147,100 3$107,374$147,100 4$109,951$147,100 5$112,590$147,100 6$115,292$147,100 7$118,059$147,100 8$120,893$147,100 9$123,794$147,100 10$126,765$147,100 11$129,807$147,100 12$132,923$147,100 13$136,113$147,100 14$139,380$147,100 15$142,725$147,100

13. Issue Age 0 to 85 Survivor policy based on adjusted age! Double Digit Agent Commissions No reduction @ older ages No chargebacks due to death in early years of contract Up to Table 4 Issued Standard Table 8 rating available up to age 80 Maximum Net Amount At Risk: Ages 0 – 65 - $250,000 Ages 66 – 85 - $200,000 Minimum $5,000 Death Benefit Great for final expense, gifting and 1035 exchanges! Death Benefit$250,000 Minus Premium-$100,000 Net Amount At Risk$150,000 Product Specifics

14. Quick Process! Short Application Point Of Sale Phone Interview Medical Information Bureau Underwriting Decision Within 72 Business Hours! 1 – Approval 2 – Declined 3 – Sub-standard Offer 4 - APS

15. Who Should Not Apply For The Legacy Estate Maximizer? AIDS/ARC Alzheimer’s Disease Alcoholism or drug abuse during last five years Major heart, cancer or stroke during last five years Cirrhosis of the liver (Hepatitis C) Diabetes diagnosed before age 45 and treated with insulin If client was recently declined by another life company, MIB will be flagged and you should consider possibility Legacy app will be declined as well. Don’t forget! The Legacy Survivor allows one uninsurable! For Agent Use Only

16. 2012 Agent Incentives! Assurity Life Insurance Company Leaders Conference Legacy Bonus Bucks!

17. Your Team at Levinson & Associates (800) 375-2279