1. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 The Life Event Story The Need - Income replacement, loan debt, mortgage Cash reserves for illness and disease Cash reserves for college Emergency Fund Retirement

2. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 Client Profile Married couple – both age 35, VSNT 3 year old son Monthly budget of $300 total 2 SecurePlus Provider Policies ($300,000 each) Death Benefit Cash value policy Living Benefits

3. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 Life Event #1 One year later, at age 36, husband suffers a severe heart attack - stent. Accelerates $150,000 of face amount under ABR3 Critical Illness Benefit = $65,000 $50,000 for medical expenses $15,000 for income replacement

4. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 Life Event #2 Fifteen years later, son starts college Mom & Dad take loans from CV to assist in financing of books and supplies $5,000 per year for 4 years = $20,000

5. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 Life Event #3 Mom & Dad retire at age 65 - combined cash value of $225,000. Premiums stop on the life insurance 1 time cash loan for $50,000 as down payment on a vacation condo.

6. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 Life Event #4 At age 79, the wife diagnosed as Chronically Ill and enters a nursing home. Death benefit accelerated for just 1% of death benefit – monthly income for 50 months. Monthly Benefit is $2,200 per month. Total over 50 months = $110,000

7. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 Life Event #5 Four years later at age 83, the husband is Terminally Ill Death Benefit has now grown to $650,000. Terminal illness claim is filed/approved – receive $235,000. Medical expenses total $85,000 Gift $150,000 to their only child.

8. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 The Power of Life Insurance Husband’s Heart Attack – Critical Illness Income Replacement $15,000 Medical Expenses $50,000 Son’s College - Cash Value $20,000 Retirement - Policy Cash Condo Down Payment $50,000 Stop Paying Premiums Wife Enters Nursing Home – Chronic Illness $110,000 Husband’s Heart Failure – Terminal Illness Medical Expenses $85,000 Gift to adult child $150,000 Wife’s Death – Available death benefit Grandchildren’s College $630,000 Total Benefits $1,110,000

9. Life Insurance Company of the Southwest™ 00000 MK00000(0000) TC00000 The Life Event Story Living Benefits Paid $ 480,000 Death Benefit Paid $ 630,000 Total Benefit Paid $1,110,000 Total Premiums Paid $ 108,000 That’s an 1100% increase over basis The benefits shown in this example do not reflect guaranteed or current values as they would have appeared in an actual illustration. The values have been rounded to the nearest thousandth for illustrative purposes only. This type of illustrative example may not be used with the public as it does not comply with the illustration and advertising regulations that govern these types of materials when used in a sales situation.