1. National Insurance Agency Ken Smith Director Of Critical Illness and Disability Income Ksmith@assurity.com

2. Who is Assurity?  Located in Lincoln, Nebraska – successor to Woodmen Accident and Life Company, founded in 1890  A- Excellent, (4 th highest of 16 ratings for financial strength) from A.M. Best Company  Member of Assurity Security Group, Inc. whose assets exceed $2 billion.

3. Who Is Assurity? (cont.)  Offering a well-rounded portfolio of unique products for the family market you reach  Specializing in disability income, critical illness, life, and annuity products  Providing quality Home Office service to you  New business 4 business day service guarantee on simplified underwritten products

4. NonMed Term 350 The Age of the Black Box For Agent Use Only Policy Form I L0760 Life Insurance Policy

5. The Big Deal The Product  NonMedical Convenience  Affordable Price  Maximum Rider Flexibility  Convertibility The Process  Paper Application  Home Office Submission (Phase 1)  Black Box Underwriting (MVR, MIB, Script Check)  Decision Rendered 70% Automated  Refer to Underwriting for offers up to Table 8

6. The Product: NonMedical Convenience  NO needles  NO fluids  Decisions in days not months  Higher face amounts for nonmedical underwriting  Standard nontobacco premium equivalent to fully underwritten case “Today convenience is the success factor of just about every type of product and service that is showing steady growth” “Today convenience is the success factor of just about every type of product and service that is showing steady growth”

7. The Product: Affordable Price $200,000 Face Amount 20 Year Level Term (male, non tobacco, monthly premiums) Age LifeScape Term (Standard N/T) LifeScape Term (Preferred) Non Med Term 350 (Select+) Non Med Term 350 (Select) Non Med Term 350 (Standard) Fidelity Life (Select) American Fidelity (NT) 20 $ 27.28 $ 27.28 $ 20.42 $ 20.42 $ 16.90 $ 19.71 $ 19.71 $ 26.05 $ 26.05 $ 19.05 $ 19.05 $ 23.40 $ 23.40 25 $ 27.28 $ 27.28 $ 20.42 $ 20.42 $ 19.36 $ 21.47 $ 21.47 $ 28.69 $ 28.69 $ 19.05 $ 19.05 $ 23.40 $ 23.40 30 $ 27.63 $ 27.63 $ 20.42 $ 20.42 $ 20.24 $ 23.58 $ 23.58 $ 31.33 $ 31.33 $ 22.88 $ 26.48 $ 26.48 35 $ 30.27 $ 30.27 $ 22.88 $ 22.88 $ 27.10 $ 32.31 $ 32.31 $ 44.00 $ 44.00 $ 27.93 $ 27.93 $ 32.58 $ 32.58 40 $ 39.25 $ 39.25 $ 29.04 $ 29.04 $ 38.37 $ 46.29 $ 46.29 $ 64.59 $ 64.59 $ 38.02 $ 38.02 $ 48.42 $ 48.42 45 $ 59.49 $ 59.49 $ 42.59 $ 42.59 $ 57.02 $ 69.17 $ 69.17 $ 97.15 $ 97.15 $ 53.68 $ 53.68 $ 71.46 $ 71.46 50 $ 89.76 $ 89.76 $ 63.18 $ 63.18 $ 89.58 $ 107.01 $ 107.01 $ 147.66 $ 147.66 $ 95.44 $ 95.44 $ 111.96 $ 111.96 55 $ 130.24 $ 130.24 $ 90.82 $ 90.82 $ 142.03 $ 142.03 $ 167.90 $ 167.90 $ 227.22 $ 227.22 $ 167.65 $ 167.65 $ 161.82 $ 161.82 60 $ 202.22 $ 202.22 $184.10 $184.10 $ 212.96 $ 212.96 $ 250.80 $ 250.80 $ 337.22 $ 337.22 n/a $ 247.14 $ 247.14 The policy descriptions of companies referenced in this document were not furnished by those respective companies. If there are questions regarding the descriptions provided, please contact a representative of the particular company.

8. The Product: Rider Flexibility  Disability Waiver of Premium Rider  Monthly Disability Rider  Two-year benefit; 90-day elimination; simplified underwriting (1.5% of face amount up to $3,000 maximum)  Accident Only Disability Rider  Children’s Term Insurance Rider  Critical Illness Rider  $20,000 - $100,000 lump-sum benefit; signature Assurity category approach  Return of Premium Rider  Available for 20- & 30-year plans  Other Insured Rider Rider Form Nos. R I0762, R I0763, R I0764, R I0765, R I0766,R T25, R T27-E, A-R M35

9. Life Insurance Simplified Whole Life:  Special Marketing features:  Has: Guaranteed and Level Death Benefits Guaranteed Cash Values Guaranteed and Level Premium  Simplified Underwriting with Jet Issue.

10. Level Benefit $5,000 - $50,000 “No” to all health questions No physical Graded Benefit $5,000 - $35,000 “No” to all health questions in sections A & B No physical Benefit payment 40% face year 1 75% face year 2 100% face year 3+ Modified Benefit $5,000 - $25,000 Coverage possible for those finding coverage hard to find No physical Benefit payment 110% return of premium in year 1 110% return of premium in year 2 100% of full face amount in year 3+ LifeScape Simplified Whole Life Insurance -- 3 great products options in 1 application --

11. Life Insurance Simplified Whole Life Portfolio:  Non-illustrated product  Age 0 - 80  Available Face Amount $5,000 - $50,000  Simplified Application  Yes/No Underwriting  No Paramedical Exam  Tobacco & Non-Tobacco Rates, M & F  Personal History Interview

12. Simplified WL App

15. Acci-Flex – Revolutionary New Product! Accidental Life + Accidental DI Rider + Return of Premium Rider

16. Acci-Flex  Issue ages 18 to 60 (age last birthday)  Issue amounts $50,000 to $250,000  $45 policy fee commissionable  Underwriting = male/female/non-medical  Limited health questions  Quick issue for qualified applications  Affordable for everyone  Accidental DI Rider  90 day elimination  2 year benefit  $1800 max monthly benefit  Waiver of Premium  Return of Premium

17. Acci-Flex Sample Rates Can you sell this? Male age 40, $150,000 coverage, $1500 DI Return of Premium Non-Smoker Industry Average Premium $100 Monthly New Acci-Flex Life $32 monthly Smoker Industry Average Premium $175 Monthly New Acci-Flex Life $32 monthly

18. Acci-Flex App

19. Critical Illness Why Assurity?

20. AssurityBalance  Simplified Critical Illness (cont.)  Return of Premium Death Benefit included: If insured dies (of any cause) 100% of premiums paid (less any benefits received) are paid to the beneficiary  CI Riders:  Return of Premium Rider  Disability Waiver of Premium Rider  Accidental Death Benefit  Spouse Rider  Children’s Rider