All Product and Training Information Contained in this Presentation is Intended For Agent Use Only. This Piece is Not Intended to Create Public Interest in an Insurance Product, or in an Insurer or Agent.

AdvantagesAdvantages

Rated A- “Excellent” by A.M. Best

Mutual life insurance company owned by its policyholders

Agent friendly company - accessible

Superior service & turnaround on applications

Longevity - Founded in 1914

Strong financials - $1.8 billion in assets, over $210 million in surplus

Operating TerritoryOperating TerritoryTodayToday

MortgageMortgageProtectorProtector® II® II

The The CompetitiveCompetitive Choice!Choice!

Level premiums for 10, 15, 20, 25 or 30 years –Issue ages: 18 – 65 on 10, 15, 20 yr plans

Non-med up to $200,000 & age 65

Issued standard through Table IV (D) (ratings above table D available)

No routine medical exam, APS or telephone interview

IIFEATURES

II

Issue Ages (age last birthday) Term 10 18-65 (5 yr. guarantee)

Term 15 18-65 (5 yr. guarantee)

Term 20 18-65 (5 yr. guarantee)

Term 25 18-60 (5 yr. guarantee)

Term 30 18-60 NT (15 yr. guar)

18-55 T & Select T

Primary mortgages – new or refinanced - within last 2 years (24 months)

Minimum = $25,000

Maximum = Up to 125% of the mortgage

amount, not to exceed $200,000 No separate proof of mortgage

necessary, regardless of face or mortgage amount

Convertible to age 75

IIFEATURES

No signed illustration necessary in any state

Unisex rates

Policy must be within Table IV rating to

add riders

IIFEATURES

Tobacco, non-tobacco, & select tobacco rates (for non-cigarette tobacco users)

Average time Average time RReceipteceipt of app to of app to issueissue……

II

RidersRiders Return of Premium Rider Disability Income Riders Other Insured Mortgage Term Rider

Waiver of Premium Rider Accidental Death Benefit Rider Children Term Rider Accelerated Death Benefit rider

II

Return of Premium RiderReturn of Premium Rider Available only at issue

Provides FULL return of premium at end of level period

Pro-rated Return of Premium if policy is lapsed, terminated or fully converted prior to end of term period

Returns premium on all riders including Disability Income with no reduction in benefits

II

Issue Ages 18 to 55 Pays monthly benefit for up to 2 years

(24 months) during total disability 90 day waiting period; no benefits are

payable during the waiting period Available on primary & other insured

on same policy Renewable benefit

Disability Income RiderDisability Income RiderFeaturesFeatures

Applicant must work minimum 20 hrs/wk to qualify

II

We DO NOT separately underwrite DI

Current Disability Income Rider (DIR) premiums Guaranteed

DIR max = lesser of monthly mortgage amount including escrow + PMI or $2,000 / mo. or 2% of face, maximum up to $2,000 (min. $100) DIR available on same policy for Other Insured

Disability Income Riders (2 options)

IIDisability Income RiderDisability Income Rider

Disability Income Rider - Two Options:Disability Income Rider - Two Options:

Occupational Disability IncomeOccupational Disability Income – 24 hour coverage

No workers compensation or state mandated plan required; occupational underwriting; some

occupations are ineligible.

Non-Occupational Disability IncomeNon-Occupational Disability Income – – Available for persons in any occupation as long as

the applicant has workers compensation on-job coverage or similar state mandated plan. Covers only

non-occupational sickness & accidents.

II

Definition of OccupationDefinition of Occupation(for Disability)(for Disability)

First 12 Months = Own Occupation

Thereafter = Any occupation for which the insured is or has become reasonably fitted by education, training or experience

II

AcceleratedAcceleratedDeath Benefit RiderDeath Benefit Rider

with

Nursing Home Provision

80%80% Maximum Maximum* Maximum 75% in Illinois

II

Accelerated Death Benefit Riderwith Nursing Home Provision

In the event insured is diagnosed as terminally ill (life expectancy of 12 months or less) or

If insured enters a qualified institution with the expectation that such confinement shall be permanent, then

Company will pay up to 80% of the Death80% of the Death BenefitBenefit lump sum or, upon request, in equal monthly installments for a fixed period

II

Benefit TriggersBenefit Triggers::

Accelerated Death Benefit Riderwith Nursing Home Provision

There is There is

No Premium CostNo Premium Cost

for this rider!for this rider!

II

StandardStandard

Table 4!Table 4!

Sample App.

#5320

Simplified Issue

II

State specific versions apply

Important reminders

II

All applicable questions must be completed, in section # 9 when applying for any Disability Income

rider(s)

II

Always complete question # 7 on section 13, including tel #.

If client has no regular physician, indicate last medical

visit – ex: “Saw Dr.Jones @ Miami Clinic (tel. # 555..) for

broken nose on 3/21/92”

IIForms Required

Application #5320 (state specific versions apply)

Summary & Disclosure Statement for ABR #5130

HIPAA #5539 Electronic Funds Transfer (EFT)

Authorization Form #1019 Any State Required Forms

Atlantis: Beyond Your Atlantis: Beyond Your Imagination!Imagination!Convention 2008Convention 2008

Paradise Island, BahamasParadise Island, Bahamas

Shenandoah ClubShenandoah ClubQualification period: January 1 – December 31, 2007Qualification period: January 1 – December 31, 2007

Pro rata qualifying available!Pro rata qualifying available!

Contract Date Agent AgencyJanuary, 2007 or Prior $65,000 $200,000February, 2007 $62,000 $191,000March, 2007 $59,000 $182,000April, 2007 $56,000 $173,000May, 2007 $53,000 $164,000June, 2007 $50,000 $155,000July, 2007 or After $47,000 $146,000

A minimum of 15 lives is required

Minimum 78% rolling 13-month persistency required

Leaders’CircleLeaders’CircleQualification period: Jan. 1 – Dec. 31, 2007Qualification period: Jan. 1 – Dec. 31, 2007

Writing Agent $120,000Agency $375,000

A minimum of 15 lives is required

Minimum 78% rolling 13-month persistency required