1. The Perfect Plan… To Rescue Poorly Performing Assets Agent Use

2. Agents Can Sell a plan with…. Multiple Interest Crediting Strategies 10% Penalty Free Withdrawals Flexible Payment Options (SPIA friendly) A Tax Free Death Benefit! Enhanced Nursing Home Benefits Home Health Care Coverage too! A Tax Advantaged Income Stream if needed Double Digit Street Commission to age 80!

3. NWL Lifetime Returns Select Ages 45-85 $25,000 Minimum Face Single Pay, 5 Pay or 10 Pay NO LAPSE GUARANTEE Standard issue to Table 5! Net Amount at Risk (see chart that follows) ®

4. Net Amount at Risk by Age Issue AgeMax NAR 45-70$175 K 71-75$125 K 76-85$75 K Larger NAR’s will be taken up to $250 K These amounts will be fully U/W—no shave program

5. Prospect Existing Annuity Clients Estate Creation or Maximization Tax Efficient Wealth Transfer Discounted Bequeaths Underperforming Product Rescue Retirement Income: Annuity Alternative Maximize Savings Set Aside for LTC A good reason to meet with every existing annuity client!

6. Premium Payments Single Pay (MEC) 5 Pay (MEC) 10 Pay CHOICES!

7. INTEREST CREDITING Monthly Point to Point 3.50% Current Monthly Cap Fixed Interest 4.80% Current Rate Monthly Average 70% Current Participation NO CAP! Annual Point to Point 8.25% Current Annual Cap Any Combination!

8. Features CONTROL! Variable Rate Policy Loans: Net Cost/ Net Gain based on index performance Policy Loans: Paid Up Rider No Lapse Guarantee to Age 121!

9. LIQUIDITY CONTROL! 10% Penalty Free Withdrawal (Beginning Year 2) Terminal Illness Liquidity 75% Death Benefit Advance Max of $250,000 $300 Processing Fee Living Benefit Rider Form 01-3071-96

10. LIQUIDITY CONTROL! Qualified Care Services (Nursing Home, Home Health Care, Assisted Living) 90 Days of Consecutive Care 24% of the Death Benefit Each Year Paid Monthly Max $500 K or until Face Amount = $12.5 K Accelerated Benefit Rider Form 01-3113-04

11. Qualified Care Scenario Death Benefit of $100,000 $24,000 per year, $2,000 Monthly 43 Months of Funding Paid Direct or Assignable This Is An Optional Benefit.. Only $75,480 Premium w/ ABR! CONTROL!

12. $100,000 For Sale at Age 60! Male $48,600 or $50,595 with ABR! Female $43,400 or $47,040 with ABR! ABR = Accelerated Benefit Rider

13. $100,000 For Sale at Age 70! Male $63,500 or $66,281 with ABR! Female $56,800 or $62,239 with ABR! ABR = Accelerated Benefit Rider

14. $100,000 For Sale at Age 80! Male $79,200 or $82,737 with ABR! Female $72,000 or $78,465 with ABR! ABR = Accelerated Benefit Rider

15. Street Commission 11% (Level 3) Ages 45 to 80 7% (Level 3) Ages 81-85

16. CHOICES + CONTROL = SALES OPPORTUNITIES Annual Annuity Review on Existing Book of Biz CD Renewals at 1-2%  Second Marriages or Other Life Events Sell an annuity while providing tax relief--80/20 Withdraw or Annuitize From Existing Plans Underperforming Life Policies Underperforming Variable Annuities

17. Simple U/W = Easy to Execute 30 Minute Telephone Interview Pharmaceutical Therapy Review Table 5 to Standard Shave Program No Exams Necessary for most applicants Larger Faces are fully underwritten to provide maximum NAR to age 85—healthy clients welcome! Ask the chief if you are uncertain