foreretirement℠ variable annuity suite

1 NOT FOR USE WITH THE PUBLIC. FOR BROKER TRAINING ONLY.NOT FOR USE WITH THE PUBLIC. FOR BROKER TRAINING ONLY.

The 2010 revised NAIC Suitability in Annuity Transaction Model regulation, in pertinent part, expands the suitability criteria necessary for an insurer or producer to recommend an annuity and requires completion of both a one time, four hour general annuity training course and a one time product specific training course.

The information in this document is confidential and may not be shared, copied or otherwise disseminated to anyone other than individuals identified as being directly involved in the sales process. All information is subject to change.

ForeRetirement℠ Variable Annuity SuiteNAIC Training Effective 2013

2 NOT FOR USE WITH THE PUBLIC. FOR BROKER TRAINING ONLY.2

ForeRetirement Variable Annuity: A Snapshot

A ForeRetirement variable annuity from Forethought Life Insurance Company offers options for protecting your clients’ income, legacy or both, depending on their personal needs and objectives. Upon completion of this training you will gain an understanding of the ForeRetirement variable annuity product suite and obtain knowledge of the features and benefits offered within, as well as associated costs and restrictions. You then will be better able to determine which of your clients may benefit from incorporating a ForeRetirement variable annuity in their retirement strategy.

Guarantees are based on the claims-paying ability of Forethought Life Insurance Company.

Share Classes B-ShareL-ShareC-Share

Optional Income Benefits Daily Lock Income Benefit℠Annual Lock Income Benefit℠

Standard Death Benefit Contract Value

Optional Death Benefit Protection

Legacy Lock℠Maximum Daily ValueMaximum Anniversary ValueReturn of Premium (ROP)

Investment Options 54 Individual Fund Options3 Investment Strategy Models3 Portfolio Planner Asset Allocation℠ Models8 Personal Protection Portfolios

Fixed Account Available for B-Share and L-Share only

Available Plan Types Non-qualifiedIRARoth IRASEP IRAInherited IRA*

*Optional Income Benefits are not available in conjunction with Inherited IRA plans.

NOT FOR USE WITH THE PUBLIC. FOR BROKER TRAINING ONLY.


ForeRetirement Variable Annuity: Share Class Options

Annual Maintenance Fee of $50 applies to Contracts under $50,000.

Share Classes B-Share L-Share C-Share

Max. Issue Age* 80 80 80

Contingent Deferred Surrender Charge (CDSC) Schedule

Each deposit receives its own CDSC schedule

1st year – 8.5%2nd year – 7.5%3rd year – 6.5%4th year – 5.5%5th year – 4.5%6th year – 3.5%7th year – 2.5%

1st year – 8%2nd year – 7%3rd year – 6%4th year – 5%

No CDSC

Minimum InitialInvestment Amounts

Nonqualified: $10,000Qualified: $5,000



Product Mortality & Expense and Administrative Fees

M&E 0.45%Admin Fee 0.20%

Total = 0.65%


Total = 1.00%


Total = 1.55%

Premium-based Charge0.50% of premium annually,

deducted each Quarterly Contract Anniversary

0.50% of premium annually, deducted each Quarterly Contract

AnniversaryN/A

Total Cost with 1.07% avg. fund fees 2.21% 2.56% 2.61%

Nursing Home WaiverUnder qualifying circumstances,

Contingent Deferred Sales Charges (CDSC) will be waived for a Partial

Withdrawal or full Surrender

Under qualifying circumstances, Contingent Deferred Sales Charges (CDSC) will be waived for a Partial

Withdrawal or full SurrenderN/A

Max. Annuitization Age

The later of age 90 or 10 years from the date of issue (owner can elect earlier date). Certain tax-qualified

plans require payments to commence by age 70½. May vary by

firm.



firm.



firm.

Default Annuity Payout Option Life Annuity with Guaranteed Payments for 10 Years

Life Annuity with Guaranteed Payments for 10 Years

Life Annuity with Guaranteed Payments for 10 Years

State and firm variations may apply.

*Maximum issue age may be subject to firm restrictions.

Our approval is required for any Premium Payment if the aggregate of all Premium Payments received exceeds 150% of the Initial Premium.



ForeRetirement investment platformFull investment flexibility is available to those who either elect only the ROP death benefit or elect no optional benefits

American Century VP Growth Fund

American Century VP Mid Cap Value Fund

American Century VP Value Fund

American Funds Global Growth and Income Fund

American Funds Growth Fund

American Funds Growth-Income Fund

American Funds International Fund

American Funds New World Fund

American Funds Protected Asset Allocation Fund

BlackRock Capital Appreciation V.I. Fund

BlackRock Equity Dividend V.I. Fund

BlackRock Global Allocation V.I. Fund

BlackRock High Yield V.I. Fund

BlackRock U.S. Government Bond V.I. Fund

Franklin Income Securities Fund

Franklin Rising Dividends Securities Fund

Franklin Small Cap Value Securities Fund

Franklin Strategic Income Securities Fund

Hartford Capital Appreciation HLS Fund

Hartford Dividend and Growth HLS Fund

Hartford Growth HLS Fund

Hartford High Yield HLS Fund

Hartford Index HLS Fund

Hartford International Opportunities HLS Fund

Hartford Portfolio Diversifier HLS Fund*

Hartford Total Return Bond HLS Fund

Hartford Value HLS Fund

Invesco V.I. Balanced-Risk Allocation Fund

Invesco V.I. Core Equity Fund

Invesco V.I. International Growth Fund

Invesco V.I. Mid Cap Core Equity Fund

Invesco V.I. Money Market Fund

Invesco V.I. Small Cap Equity Fund

Lord Abbett Bond Debenture Portfolio

Lord Abbett Fundamental Equity Portfolio

Lord Abbett Growth Opportunities Portfolio

MFS® Growth Series

MFS® International Value Portfolio

MFS® Investors Trust Series

MFS® New Discovery Series

MFS® Value Series

Mutual Shares Securities Fund

PIMCO All Asset Portfolio

PIMCO EqS Pathfinder Portfolio

PIMCO Total Return Portfolio

Putnam VT Equity Income Fund

Putnam VT Income Fund

Putnam VT Voyager Fund

Templeton Foreign Securities Fund

Templeton Global Bond Securities Fund

Templeton Growth Securities Fund

TOPSTM Managed Risk Balanced ETF Portfolio

TOPSTM Managed Risk Moderate Growth ETF Portfolio

TOPSTM Managed Risk Growth ETF Portfolio


*Hartford Portfolio Diversifier HLS Fund is only available within certain asset allocation models and is not available as a stand-alone investment option.


ForeRetirement: Optional Income Benefits

All guarantees assume compliance with benefit rules and are based on the claims-paying ability of Forethought Life Insurance Company.

Daily Lock Income Benefit℠• Daily market step-up potential that locks in value every day the contract value hits a new high in excess of the current

Withdrawal Base (the amount used to calculate income when taking withdrawals); or• A 6% annual deferral bonus is accumulated if step-ups are less for that contract year, available until the earlier of the tenth

contract anniversary or the first withdrawal, provided no withdrawals are made. “Simple and stackable” – Simple crediting applies for the Deferral Bonus. In years when the step-ups exceed the Deferral Bonus, no bonus is credited. However, in any applicable years following, the Deferral Bonus will be credited on the stepped-up value.

• Provides income through Lifetime Annual Payments (LAP)– guaranteed lifetime withdrawals, provided benefit rules are followed

• Has the potential to grow income on a daily basis• Can be for one life or two lives, jointly with a spouse

Annual Lock Income Benefit℠ • Offers the same features and benefits as Daily Lock Income Benefit, except step-ups occur on an annual basis instead of daily

Once a withdrawal is made:

Deferral Bonuses cease. Daily step-ups continue until age 90. Step-ups continue to be applied to the Withdrawal Base daily, when applicable; however, resulting Lifetime Annual Payments will be calculated upon:• Contract Anniversary• The Lifetime Withdrawal Percentage changes• A subsequent Premium Payment• An Excess Withdrawal, or• A change of Owner, due to Spousal Contract Continuation*

Current Cost

Maximum Cost

Daily Lock Income Benefit

1.25% 2.50%

Annual Lock Income Benefit

1.05% 2.50%

WHAT IS THE COST?

Optional benefits terminate upon any beneficial ownership change. *Benefit may be reelected by spouse if eligible and available for single life option.



Daily Lock Income Benefit Hypothetical Example



During upward trends in the performance of your clients contract value, they are likely to receive frequent daily step-ups until a peak is achieved.

Each day the contract value exceeds the current Withdrawal Base, the Withdrawal Base “steps-up” to lock in the new high. The daily high for the year is locked in to the Withdrawal Base. In this year, there is no Deferral Bonus because the daily high is greater than 6%.

For up to 10 contract anniversaries or until first withdrawal, a 6% Deferral Bonus, applied to the Withdrawal Base, prevails over daily step-ups if step-ups for the year are less. When your client

decides to begin withdrawals for retirement income, known as Lifetime Annual Payments, they are guaranteed a percentage of their Withdrawal Base for life. For example, if they are 65, they payout will be 5% for single life or 4.5% for joint life.


Lifetime Annual Payment: Daily Lock and Annual Lock Income Benefit

Lifetime Annual Payments – guaranteed annual lifetime income amount• Calculated as a percentage of the Withdrawal Base, which is separate and distinct from the contract value.

• The Withdrawal Base is an inaccessible value used solely for income calculation purposes and may not be

surrendered.

• The percentage of the Withdrawal Base received in annual income benefits varies by the age which income begins.

• Withdrawals do not reduce the Withdrawal Base provided benefit rules are followed.

• The Withdrawal Base may continue to increase through market step-ups until age 90, retaining the potential to

increase benefits even while taking income.

• Cumulative partial withdrawals equal to or less than the available Lifetime Annual Payment (LAP) will not reduce the

Withdrawal Base. Cumulative partial withdrawals in excess of the LAP will result in a proportionate reduction.

• Withdrawals taken to satisfy RMD requirements related to this Contract would not be considered an Excess

Withdrawal.

• Withdrawal percentages for joint-life Contracts are based on the age of the younger spouse.Age Single Joint

59½ - 64 4% 3.5%

65-84 5% 4.5%

85+ 6% 5.5%

If income Percent ofbegins Withdrawal Base




ForeRetirement: Optional Income Benefit Features

GLWB: Daily Lock GLWB: Annual Lock

Max. Issue age 80 80

CostCurrent Maximum Current Maximum

1.25% single/joint 2.50% 1.05% single/joint 2.50%

Withdrawal bands, reduce by 0.50% for joint life

Age 59½ -64 4% Age 59½ -64 4%

Age 65-84 5% Age 65-84 5%

Age 85+ 6% Age 85+ 6%

Deferral Bonus 6% “simple & stackable”, up to 10 years/first withdrawal

6% “simple & stackable”, up to 10 years/first withdrawal

Step-up Frequency Daily until age 90 Annually until age 90

Investment Requirements 8 Personal Protection Portfolios; limited individual fund options1

RMD-friendly2 Yes

• The Guaranteed Lifetime Withdrawal Benefit (GLWB) riders cannot be revoked by the owner; however, a cost increase may be declined. The current cost at that time will be locked in and no further increases will occur. If a cost increase is declined, income rates will reduce 1%; however, all applicable Deferral Bonuses and step-ups will continue.

• All withdrawals prior to age 59½ are treated as excess withdrawals and reduce the Withdrawal Base proportionately.• Annual Rider Charges taken each Quarterly Contract Anniversary, waived upon partial withdrawal, death and annuitization.• Benefits are owner-driven and will terminate upon death of the owner for Single Life option (can be re-elected through Spousal Continuation

subject to issue rules then in place).

1These investment restrictions are designed to reduce investment volatility. As a result, contract value normally may not decline in value as much as the overall market in downturns and will not normally increase in value to the same extent as the equity markets during market upswings.2Excess withdrawals taken to satisfy RMD requirements related to the contract will not reduce the Withdrawal Base.




Additional Considerations: Daily & Annual Lock Income Benefits

• Once elected, the riders cannot be revoked by the owner.

• These riders are not available if any covered life or annuitant would be age 81 or greater on the rider effective date.• The riders are available to be added post-issue. If elected other than at Contract issuance, rider benefits will be calculated from the rider effective date, not the Contract issue date.

• Required Minimum Distributions (RMD) “friendly.”

• All optional income benefits will terminate upon an ownership change, unless there is no change to the beneficial owner.

• Ownership changes may result in taxation, a change in benefits or lack of availability of the riders.

• The rider charge may increase upon any contract anniversary. If an increase is declined, the withdrawal percentage will be decreased

by 1% (ex.: 5% to 4%); however, market step-ups and Deferral Bonuses, if applicable, will continue to be credited.

• Forethought may require approval for subsequent premium payments after the first contract anniversary, following the rider

effective date.

• The Deferral Bonus Period applies for the 10 contract anniversaries following the rider effective date, regardless of whether a

Deferral Bonus is applied to the Withdrawal Base on any given contract anniversary. The Deferral Bonus period will end sooner if a

withdrawal is made.

• Unused Lifetime Annual Payment amounts will not carryover to subsequent years.

• Withdrawals may be started and stopped, but Deferral Bonuses will cease after the first withdrawal and will not be reinstated.

• Required participation in Personal Protection Portfolios or select individual fund options will impact performance. Performance

varies by model.


10 NOT FOR USE WITH THE PUBLIC. FOR BROKER TRAINING ONLY.

Required Investments for Daily Lock Income Benefit or Annual Lock Income Benefit

Personal Protection PortfoliosEach portfolio includes a 50% allocation to the Hartford Portfolio Diversifier HLS Fund.

Individual Fund Options*Any combination of these funds may be chosen, but they cannot be combined

with Personal Protection Portfolios (PPP), and you cannot invest or transfer assets to a PPP model once invested in any of these individual fund options.

*Clients investing in these individual fund options should anticipate that their contract value normally may not decline in value as much as the overall market in downturns. However, they should also anticipate that their contract value will not normally increase in value to the same extent as the equity markets during market upswings.

AMERICAN PORTFOLIO GROWTH PLUS PORTFOLIO

American Funds International Fund 10% MFS New Discovery Series 5%

American Funds Growth Fund 20% American Funds Growth Fund 10%American Funds Growth-Income Fund 20% Invesco V.I. International Growth Fund 10% Putnam VT Voyager Portfolio 10%BALANCED PLUS PORTFOLIO Lord Abbett Fundamental Equity Portfolio 15%American Century VP Mid Cap Value 5%

Templeton Foreign Securities Fund 5% HARTFORD PORTFOLIO

Invesco V.I. International Growth Fund 5% Hartford International Opportunities HLS Fund 10%American Century VP Growth 15% Hartford Capital Appreciation HLS Fund 20%MFS Value Series 20% Hartford Dividend and Growth HLS Fund 20% BALANCED PORTFOLIO INDEX PORTFOLIO

BlackRock Capital Appreciation V.I. Fund 10% Hartford Index HLS Fund 50%

MFS Growth Series 10%

BlackRock Equity Dividend V.I. Fund 15% VALUE PLUS PORTFOLIO PIMCO EqS Pathfinder Portfolio 15% Invesco V.I. Small Cap Equity Fund 5% Hartford Value HLS Fund 10%FRANKLIN PORTFOLIO Putnam VT Equity Income 10%Franklin Small Cap Value Securities 5% Templeton Foreign Securities Fund 10%

Franklin Rising Dividends Securities Fund 10% Invesco V.I. Core Equity Fund 15%

Templeton Growth Securities Fund 15% Mutual Shares Securities Fund 20%

Target Equity Target Fixed Income

American Funds Protected Asset Allocation Fund 40-80% 20-50% TOPSTM Managed Risk Balanced ETF Portfolio 50% 50% TOPSTM Managed Risk Moderate Growth ETF Portfolio 65% 35% TOPSTM Managed Risk Growth ETF Portfolio 85% 15%


Required Investments for Daily Lock Income Benefit or Annual Lock Income Benefit: Important Considerations

The American Funds Protected Asset Allocation Fund, the TOPS Managed Risk Balanced ETF Portfolio, the TOPS Managed Risk Moderate Growth ETF Portfolio, the TOPS Managed Risk Growth ETF Portfolio, collectively along with the Hartford Portfolio Diversifier HLS Fund are designed to reduce investment volatility within the portfolios. As a result, clients should anticipate that their contract value normally may not decline in value as much as the overall market in downturns. However, they should also anticipate that their contract value will not normally increase in value to the same extent as the equity markets during market upswings. If clients are uncomfortable with the inclusion of these funds in their investment, the Daily Lock Income Benefit or the Annual Lock Income Benefit riders may not be suitable.

• These required investment choices are subject to both credit and interest rate risk.

• These required investment choices share prices and yield will be affected by interest rate movements, with bond prices generally moving in the opposite direction from interest rates. Credit risk refers to the bond issuers ability to make timely payments of principal and interest.

• These required investment choices will use derivatives. These investment strategies may be riskier than other investment strategies and may result in greater volatility, particularly during periods of market decline.

• Futures and options may be more volatile than direct investments in the securities underlying the futures and options, may not correlate perfectly to the underlying securities, may involve additional costs, and may be illiquid.

• The Hartford Portfolio Diversifier HLS Fund is available solely to owners of variable annuity contracts issued by Forethought Life Insurance Company or Hartford Life Insurance Company and its affiliates who have selected certain optional benefits.

• Insurers may indirectly benefit from mandatory asset allocation through reduced volatility and long-term guarantee obligations.




Legacy Lock℠: An innovative death benefit option

2. Add Legacy Lock℠

For a death benefit that will not be reduced by income benefits provided benefit rules are followed

• Withdrawals will not reduce the death benefit, as long as the client does not exceed the Lifetime Annual Payment.

• Prior to annuitization, death benefits equal the greater of: Enhanced Return of Premium (EROP) - full amount invested in the

Contract, or more, based on a one-time step-up opportunity that boosts the death benefit to the contract value, if greater, at the time of first withdrawal

Base ROP – premium payments adjusted for partial withdrawals; or Contract Value – the current Contract Value at death• A surviving spouse, through age 70, may have the ability to extend the

death benefit to new beneficiaries and continue receiving income by continuing the Contract and re-electing the riders if they are still being offered.

Important Note: A variety of factors — including withdrawals, underperformance and fees — can reduce the contract value. Should the contract value be less than the greater of either one Lifetime Annual Payment or the minimum contract value, the death benefit reverts to traditional return or premium and is reduced by withdrawals. The Legacy Lock step-up would also no longer apply. Your clients may need to choose between an unreduced death benefit and continued withdrawals should the contract value approach the required minimum.

Current Cost

Maximum Cost

Daily Lock Income Benefit

1.25% 2.50%

Annual Lock Income Benefit

1.05% 2.50%

Legacy Lock 0.95% 1.50%

1. Start with an income benefit

Legacy Lock may only be purchased alongside the Daily Lock Income Benefit or Annual Lock Income Benefit

WHAT IS THE COST?



ForeRetirement: Legacy Lock Features

Optional Legacy Lock non-reducing DB

Max. Issue age1 70

CostCurrent Maximum

0.95% 1.50%

Death BenefitPays beneficiaries the greatest of:

• Enhanced ROP2

• Base ROP• Contract Value

Deferral Bonus NA

Step-up Frequency One-time upon first withdrawal

Investment Requirements Subject to GLWB requirements

RMD-friendly Yes

2Available provided Contract retains a value equal to or greater than one Lifetime Annual Payment.

1Maximum issue age may be subject to firm restrictions.



Additional Considerations: Legacy Lock

• Available for election through age 70.• The Legacy Lock death benefit is revocable on or after the first contract anniversary if the rider charge is

greater than the rider charge on the rider effective date. • The Legacy Lock death benefit will be reduced proportionately for amounts in excess of Lifetime Annual

Payments and for all amounts withdrawn prior to age 59½. Ownership changes may result in a change in benefits or lack of availability of the rider.

• Contract must retain a value equal to at least one LAP for the benefit to remain available; otherwise, traditional return of premium benefits will apply, without a step-up and adjusted for withdrawals.

• If a Spousal Continuation of the Contract is elected, the surviving spouse must be under age 71, and re-elect the benefit if it is still being offered.

• On nonqualified Contracts, death benefit value applied to the Contract upon Spousal Continuation will be considered taxable gains when withdrawn.

• State and firm availability may vary.• Optional benefits are terminated upon annuitization, including at Annuity Commencement Date (ACD),

and any values associated with the optional benefit may be lost or forfeited.



Daily Lock & Legacy Lock Hypothetical Example




Maximum Daily ValueBuilding a stronger legacy, one day at a time

With the optional Maximum Daily Value℠ (MDV) death benefit, gains will be locked-in for beneficiaries every day that the contract value hits a new high.

Maximum Daily Value (MDV) provides a unique death benefit solution that pays beneficiaries the greater of:• The contract value• Maximum Daily Value (adjusted for premium payments and withdrawals), which is the highest attained contract value

on any day prior to the eighty-first birthday of the oldest owner*

*Based on the age of the annuitant if the owner is a non-natural entity.

Withdrawals reduce the death benefit on a proportionate basis unless purchased alongside an income rider. With an income rider, withdrawals up to the Lifetime Annual Payment (LAP) reduce the death benefit dollar-for-dollar and excess withdrawals reduce the benefit on a proportionate basis. Proportionate reductions are likely to be greater than dollar-for-dollar.



daily performance


MAV and ROP: Standalone optional death benefits

1. Maximum Anniversary Value (MAV) — guarantees beneficiaries the greatest of:• The contract value• Premium payments (adjusted for withdrawals), or• Maximum Anniversary Value (adjusted for premium payments and withdrawals), which is the highest attained

contract value on a contract anniversary through age 80*

2. Return of Premium (ROP) — guarantees beneficiaries the greater of:• The contract value, or• Premium payments (adjusted for withdrawals)

Current Cost

Maximum Cost

MDV 0.55% 1.50%

MAV 0.35% 1.50%

ROP 0.25% 0.75%

WHAT IS THE COST?

Withdrawals reduce the death benefit on a proportionate basis unless purchased alongside an income rider. With an income rider, withdrawals up to the Lifetime Annual Payment (LAP) reduce the death benefit dollar-for-dollar & Excess Withdrawals reduce the benefit on a proportionate basis. Proportionate reductions are likely to be greater than dollar-for-dollar.



*Based on the age of the annuitant if the owner is a non-natural entity.


ForeRetirement MDV and MAV investment optionsAll options on this slide are also available to those who elect the ROP death benefit or a custom allocation strategy without any optional benefits

Portfolio Planner Asset AllocationSM Models

Fund BalancedModerate

Growth Growth

American Century VP Growth Fund 4% 5% 6%

American Century VP Value Fund 5% 6% 7%

American Funds Growth Fund 7% 8% 9%

American Funds International Fund 4% 5% 5%

BlackRock High Yield V.I. Fund 5% 5% 5%

Franklin Small Cap Value Securities Fund 0% 2% 2%

Franklin Strategic Income Securities Fund 4% 4% 3%

Hartford Dividend and Growth HLS Fund 6% 7% 8%

Hartford International Opportunities HLS Fund 0% 0% 4%

Hartford Total Return Bond HLS Fund 11% 9% 6%

Invesco V.I. International Growth Fund 3% 4% 3%

Invesco V.I. Mid Cap Core Equity Fund 3% 3% 2%

Invesco V.I. Small Cap Equity Fund 3% 2% 3%

Lord Abbett Fundamental Equity Portfolio 7% 8% 9%

Lord Abbett Growth Opportunities Portfolio 0% 0% 2%

MFS Investors Trust Series 5% 6% 7%

MFS International Value Portfolio 3% 4% 3%

PIMCO Total Return Portfolio 12% 8% 5%

Putnam VT Income Fund 11% 8% 6%

Templeton Global Bond Securities Fund 7% 6% 5%

Total 100% 100% 100%

Investment Strategy Models Growth Strategy American Century VP Growth Fund 25%

MFS Growth Series 25%

Putnam VT Equity Income Fund 20%

Hartford Total Return Bond HLS Fund 15%

Lord Abbett Bond Debenture Portfolio 15%

Total 100%

Value Strategy BlackRock Equity Dividend V.I. Fund 25%

Mutual Shares Securities Fund 25%

MFS International Value Portfolio 20%

Putnam VT Income Fund 30%

Total 100%

International Strategy American Funds Global Growth and Income Fund 25%

Invesco V.I. Core Equity Fund 25%

Invesco V.I. International Growth Fund 20%

PIMCO Total Return Portfolio 30%

Total 100%

Individual Fund Options May elect any combination of individual

fund options in lieu of models.BlackRock Global Allocation V.I. Fund

BlackRock U.S. Government Bond V.I. Fund

Hartford Total Return Bond HLS Fund

Invesco V.I. Balanced Risk Allocation Fund

Invesco V.I. Money Market Fund

PIMCO All Asset Portfolio

PIMCO Total Return Portfolio

Putnam VT Income Fund

See slide 11 for Important Considerations regarding the four funds

listed below. American Funds Protected Asset Allocation Fund* TOPSTM Managed Risk Balanced ETF Portfolio* TOPSTM Managed Risk Moderate Growth ETF Portfolio* TOPSTM Managed Risk Growth ETF Portfolio*

*Clients investing in these individual fund options should anticipate that their Contract value normally may not decline in value as much as the overall market in downturns. However, they should also anticipate that their Contract value will not normally increase in value to the same extent as the equity markets during market upswings.


Asset allocation does not guarantee that your clients contract value will increase nor will it protect against a decline if market prices fall.


ForeRetirement: Death Benefit Features

Death Benefits Optional Maximum Daily Value

Optional Maximum Anniversary Value Optional Return of Premium Standard

Max. Issue Age 75 75 80 -

Cost

Current Maximum Current Maximum Current Maximum No Cost

0.55% 1.50% 0.35% 1.50% 0.25% 0.75%Benefit equals

Contract Value

Investment Requirements

Portfolio Planner Asset Allocation Models, Investment Strategy Models, and certain Individual Fund Options (see previous slide)

Portfolio Planner Asset Allocation Models, Investment Strategy Models, and certain Individual Fund Options (see previous slide)

None None

Reduction for withdrawals

•Dollar-for-dollar up to the Lifetime Annual Payment (LAP) when elected alongside a GLWB; proportionately for amounts over LAP.

•Proportionately for all amounts without a GLWB

Dollar-for-dollar

reduction

• Any optional death benefit is revocable on or after the first anniversary should a fee increase occur; however, a new death benefit may not be elected. Return of Premium is revocable anytime after the fifth contract anniversary.

• Annual Rider Charges taken each Quarterly Contract Anniversary, waived upon partial withdrawal, death and annuitization.

• Benefits are owner-driven and terminate upon death of the owner (can be re-elected upon spousal continuation subject to issue rules then in place)



Additional Considerations: Optional Death Benefits• Only one optional death benefit may be elected. • The Maximum Daily Value and Maximum Anniversary Value death benefits are not available if any owner or

annuitant would be age 76 or older on the benefit effective date. • All optional death benefits will terminate upon an ownership change, unless there is no change to the beneficial

owner.• The optional death benefit charge is based off of the death benefit. The charge may increase upon Spousal

Continuation (if available) or upon any contract anniversary. The maximum charge is 1.50% for Legacy Lock, 1.50% for Maximum Daily Value and Maximum Anniversary Value; and 0.75% for the Return of Premium Death Benefit.• The optional death benefit may be revoked if on or after the first contract anniversary the rider charge is greater

than the rider charge on the rider effective date. The Return of Premium Death Benefit can be revoked anytime on or after the fifth contract anniversary. If the rider is revoked, it cannot be re-elected and another optional death benefit cannot be added.• Forethought may require approval for subsequent premium payments after the first contract anniversary, following

the rider effective date.• Investment restrictions apply for Maximum Daily Value and Maximum Anniversary Value. If elected concurrently

with an optional living benefit, those investment restrictions prevail. • A GLWB must be elected for Legacy Lock to be elected. The GLWB investment restrictions prevail. • Optional benefits are terminated upon annuitization, including at Annuity Commencement Date (ACD), and any

values associated with the optional benefit may be lost or forfeited.



ForeRetirement Strategies: ForeYour Clients

The optional features within ForeRetirement can help your clients:

Live in retirement with guaranteed withdrawals for lifetime income that has the potential to grow

Live & Give with guaranteed lifetime income that has the potential to grow and a death benefit that may not be reduced by the income your clients receive, provided benefit rules are followed

Give a legacy that locks-in investment gains for beneficiaries




The LIVE StrategyFor clients seeking to optimize their income potential in retirement

The ForeRetirement Solution: Live with Daily Lock

The optional Daily Lock Income Benefit℠ can help:

1

2

3

Protect future income

Guarantee income growth with deferral bonus

Provide a predictable, lifetime income stream that has the potential to increase




The LIVE & GIVE StrategyFor clients seeking to optimize both income potential and a legacy for beneficiaries

The ForeRetirement Solution: A Live & Give Strategy with Daily Lock & Legacy LockThe optional Daily Lock & Legacy Lock can help:

1

2

3

Protect future income

Guarantee income growth with deferral bonus

Provide a predictable, lifetime income stream that has the potential to increase

4 Protect money invested as guaranteed legacy to loved ones, provided benefit rules are followed




The GIVE StrategyFor clients without a current income need who are more interested in using their annuity to help grow a legacy.

The ForeRetirement Solution: Give Strategy with Maximum Daily Value Death BenefitThe optional Maximum Daily Value Death Benefit can help:

1

2

3

Protect a legacy

Provide the opportunity to invest in traditional asset allocation models*

Provide potential to increase your clients legacy everyday

*Asset allocation does not guarantee that your Contract value will increase nor will it protect against a decline if market prices fall.




ForeRetirement suite of variable annuities are flexible premium variable annuities issued by Forethought Life Insurance Company, and are underwritten and distributed by Forethought Distributors, LLC.

Optional benefits are subject to state and firm approval and variations.

Taxable distributions (including certain deemed distributions) are subject to ordinary income taxes, and if made prior to age 591/2, may also besubject to a 10% federal income tax penalty. Distributions received from a non-qualified contract before the Annuity Commencement Date aretaxable to the extent of the income on the contract. Payments from IRAs are taxable in accordance with the normal rules surrounding taxation of payments from an IRA. Early surrender charges may also apply. Withdrawals will reduce the death benefit and any optional guaranteed amounts in an amount more than the actual withdrawal.

This information is intended to provide a basic understanding of the ForeRetirement suite of flexible premium variable annuities. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. Forethought Life Insurance Company does not provide tax or legal advice. As with all matters of a tax or legal nature, your clients should consult their personal counsel for additional information.

Forethought is Forethought Financial Group, Inc. and its subsidiaries, including the issuing company of Forethought Life Insurance Company. Forethought Life Insurance Company does not issue in the state of New York.

All statements qualified by final prospectus and contract subject to change without notice.All information herein is as of 5/2013.FR-NAIC 5/13 100005-1




Certificate of Product-Specific Training

Module Title: ForeRetirement Variable AnnuityCourse ID: FORVAB

I certify that I have received Forethought’s Product-Specific Training materials. I further certify that I have read about and understand all material features of Forethought’s variable annuity product, and have adequate knowledge of Forethought’s variable annuity product to determine the suitability of the product for my client.

A copy of this course completion certificate should be faxed to Forethought at: 785-286-6105, or emailed to [email protected], Attn: Licensing

Insurance producer’s name (please print)

Insurance producer’s firm name Insurance producer's National Producer Number (NPN) or Social Security Number (SSN)

Insurance producer’s signature Date (mm/dd/yyyy)


foreretirement℠ variable annuity suite

Documents

broker training

clients income

optional benefits

forethought distributors

retirement strategy

personal needs

associated costs

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