888 794-4447, option 1

https:/www.phoenixwm.phl.com/NAA/index.jsp

Item# BPD38918 (10/13)

Revolutionize Your Business with a better Final Expense product

For Agent Use Only. Not for distribution to the public as sales literature.

Introducing

Phoenix Remembrance Life

For Agent Use Only. Not for distribution to the public as sales literature. Issued by PHL Variable Insurance Company (PHLVIC) and Phoenix Life Insurance Company (PLIC).

Introducing

Phoenix Remembrance Life

INCLUDED BENEFITS PROTECTION

Final Expense Death Benefit

Critical Illness* Terminal Illness* Accidental Death

*Exercise fees apply. **Policy payments will depend on

age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits.

Product features, rider options and availability may vary by state.

INCOME** LEGACY OPTIONS**

Additional Income Coverage Rider &

Optional Income Riders

Annual Birthday Gifts Tuition Assistance

For Agent Use Only. Not for distribution to the public as sales literature.

Product features, rider options and availability may vary by state.

►Lump-sum Death Benefit

►Simplified Issue Whole Life Insurance (To Table 4)

PROTECTION

For Agent Use Only. Not for distribution to the public as sales literature.

Insured’s Age Rider Beneficiary’s Age

Total Coverage Amount (Lump-sum Death Benefit + Additional Income Coverage )

30-59 30-80

$10,000-$100,000

60-69 30-80

$10,000-$75,000

70-80 30-80

$10,000-$50,000

INCOME

Product features, rider options and availability may vary by state.

►Additional Income Coverage Rider (AICR) – pays income to age 85, or 5 years

►Flexible Coverage Allocation

►Benefits are available only upon

the death of the Insured

AICR benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.

Lump-sum AICR 100% 0% 75% 25% 50% 50% 25% 75%

/ / / / /

For Agent Use Only. Not for distribution to the public as sales literature.

INCLUDED BENEFITS

Product features, rider options and availability may vary by state.

► Critical Illness Benefit*: up to 50% advance of lump-sum death benefit

(Heart attack, stroke, cancer diagnosis, renal failure, major organ transplant, ALS diagnosis)

► Terminal Illness Benefit*: up to 95% advance of lump-sum death benefit (Life expectancy of 12 months or less)

► Accidental Death Benefit: additional amount paid equal to 100% of lump-sum death benefit, up to age 75 (Insured must be under 65 at issue)

INCLUDED! *Exercise fees apply. Benefit is discounted with interest and will reduce the lump-sum death benefit.

For Agent Use Only. Not for distribution to the public as sales literature.

Expect the Unexpected

1 in 2 men and 1 in 3 women will contract some form of cancer1.

There are over 800,000 stroke victims per year2.

Every 44 seconds someone in the U.S. has a heart attack3.

1. US National Cancer Institute Surveillance Epidemiology and End Results (SEER) Database, based on incidence and mortality data for the United States from 2008 through 2010, the most current years for which data are available.

2. The Cleveland Clinic, clevelandclinic.org, 2013. 3. American Heart Association, Heart disease and stroke statistics—2013 update.

►Legacy Rider – annual birthday gift payments to Rider Beneficiary

─ Paid until age 22*

─ Children up to age 15 are eligible

─ Up to 5 Legacy Riders may be elected

─ $50 - $500 annual benefit

►Benefit payments begin only upon the death of the Insured

LEGACY OPTIONS

Product features, rider options and availability may vary by state.

*Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.

For Agent Use Only. Not for distribution to the public as sales literature.

Product features, rider options and availability may vary by state.

*Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.

►Education Benefit Rider – 4 consecutive annual installment payments for college tuition

─ Children up to age 15 are eligible ─ Payments must begin between ages

18-22 ─ Up to 5 Education Benefit Riders may

be elected ─ $500 - $5,000 annual benefit ─ Requires annual verification of

attendance at an eligible institution or full-time active-duty in the U.S. Military

─ Benefits are available only upon the death of the Insured

LEGACY OPTIONS

For Agent Use Only. Not for distribution to the public as sales literature.

INCOME

Product features, rider options and availability may vary by state. For Agent Use Only. Not for distribution to the public as sales literature.

SUPPLEMENTAL OPTIONS ► Lifetime Income Rider - monthly

income for life of Rider Beneficiary ► Income Term Rider - monthly income

to Rider Beneficiary’s age 65 ► Income benefits begin only upon the

death of the Insured

*Optional riders involve additional premium, which ends upon rider termination. Rider benefits cease upon the death of the Rider Beneficiary or the term stated in each rider, regardless of benefits paid. Rider Beneficiary may not be changed after issue.

Insured Age Rider Beneficiary Age Coverage Amount

Lifetime Income Rider

30-59

30-80

$50-$1,000/month

60-69 $50-$500/month

70-80 $50-$400/month

Income Term Rider

30-59 30-60

$50-$1,000/month

60-69 $50-$500/month

Simple, Fast Submissions

For Agent Use Only. Not for distribution to the public as sales literature.

Let’s Compare… Benefits

Traditional Final Expense Life Insurance

Phoenix Remembrance

Life

Lump-sum death benefit for burial expenses Early payout of death benefit in case of terminal illness

Added payout in case of accidental death Typically optional

Early partial payout of death benefit in case of critical illness Optional supplementary income for a beneficiary *

Optional annual birthday gifts to a beneficiary up to age 22 *

Optional tuition assistance for a beneficiary for college and/or full-time military enlistment *

*Optional benefits provided by rider(s) (an addition to policy). Benefits become available only upon the death of the Insured. The named Rider Beneficiary must be alive to receive benefit payments, which will cease if he/she dies prior to the end of the term stated in each rider. Rider premiums will cease at the completion of rider benefits or if the rider terminates for any reason. College tuition assistance is paid over a maximum of 4 annual payments for a qualifying institution or military service. This benefit must commence by age 22.

For Agent Use Only. Not for distribution to the public as sales literature.

vs.

Supplemental illustration for hypothetical purposes only. See the full illustrations provided by your presenter for all products for a complete information about each product’s features and benefits. The policies compared will have similar but not identical benefits and may have additional features and benefits not illustrated. All material benefits must be considered before recommending one policy over another.

Product A Remembrance Life

Lump-sum Death Benefit $10,000 $10,000

Critical Illness Acceleration Not included Included, up to $5,000*

Accidental Death Benefit Not included Included, up to $10,000

Terminal Illness Acceleration Included Included, up to $9,500*

Income Death Benefit Not available Optional

Total Coverage Amount $10,000 $10,000

Assuming male, age 55, non-tobacco

Monthly Premium $35.70 $35.72

Assuming female, age 65, non-tobacco

Monthly Premium $42.80 $43.47

Assuming male, age 70, non-tobacco

Monthly Premium $72.93 $72.74

Let’s Compare… Value

For Agent Use Only. Not for distribution to the public as sales literature. *Exercise fees apply. Benefit is discounted with interest.

The Future Has Arrived

Source: LIMRA Annual Reviews 2009-2012 For Agent Use Only. Not for distribution to the public as sales literature.

Remembrance Life In Action

Client Profile ► Beverly (70 widowed) ► Grandmother to Nolan (12) and

Ava (10)

Goals ► Cover final expenses ► Leave a lasting memory for

grandchildren ► Provide grandchildren with

added incentive to go to college

For Agent Use Only. Not for distribution to the public as sales literature.

LEGACY OPTIONS Annual Birthday Gifts

Tuition Assistance

INCLUDED BENEFITS* PROTECTION

Final Expense Death Benefit

Critical Illness Terminal Illness

Accidental Death

Payments and guarantees are subject to the claims-paying ability of the issuing company. *Exercise fees apply. Will reduce the lump-sum death benefit. **AICR, Legacy Rider and Education Benefit Rider amounts are not guaranteed. Assumes insured dies immediately and all beneficiaries survive and meet all eligibility requirements to receive the full benefits offered under the policy. Total policy payments will depend on age of Beneficiaries at time of the Insured's death and may also depend on the longevity of the Beneficiaries and whether they meet qualification requirements for benefits. Product features, rider options and availability may vary by state.

INCOME

Additional Income Coverage Rider

Remembrance Life In Action

$10,000

$0

$100/year ea.

$4,000 total ea.

$70.86

$20,200

Monthly Premium:

Maximum Potential Benefit**:

For Agent Use Only. Not for distribution to the public as sales literature.

$10,000

Minimum Potential Benefit:

Product features, rider options and availability may vary by state.

Included features at NO additional premium:

►Critical Illness Rider: 50% advance* of lump-sum death benefit

Beverly could receive $5,000

►Terminal Illness Rider: 95% advance* of lump-sum death benefit

Beverly could receive $9,500

►Accidental Death Benefit: additional amount paid equal to 100% of lump-sum death benefit, up to age 75

Beverly’s beneficiaries could receive $10,000 in addition to the $10,000 lump-

sum death benefit

*Exercise fees apply. Assumes illness qualifies as a covered illness under the policy. Benefit is discounted with interest and reduces the lump-sum death benefit.

For Agent Use Only. Not for distribution to the public as sales literature.

Remembrance Life In Action

3 Steps to Larger Cases

For Agent Use Only. Not for distribution to the public as sales literature.

Good for..

Your clients... ►Enhanced value

►Help address critical risks

►More features and choice

AND your business ► Increase case sizes

►Create generational leads

►Be part of the future of life insurance

For Agent Use Only. Not for distribution to the public as sales literature.

Tools for Successful Selling

For Agent Use Only. Not for distribution to the public as sales literature.

https://www.phoenixwm.phl.com/NAA/index.jsp

Marketing Materials

Consumer Brochure Agent Guide Product Summary

For Agent Use Only. Not for distribution to the public as sales literature.

Connect Generations with Remembrance Life

Please call 1.888.794.4447, option 1 to have your

questions answered.

Completing the application

> Complete questions 1 – 6 for all applicants

> Complete questions 7 – 9 if applicant is age 59 or younger

> Complete questions 10 – 14 if applicant is age 60 or older

> Complete Part II of application (if not using Tele-Interview Service: 1.855.249.8441)

> Check height/weight chart in Quick Reference Guide

> Client provides legal names, birthdates, addresses & Social Security numbers of all beneficiaries

> Underwriting questions call 800-417-4769

Application Part I Any “YES” answer disqualifies the applicant

Application Part I Any “YES” answer disqualifies the applicant

Application Part II

Other Important Information

> 1035 exchanges are not permitted

> Backdating is allowed only when the Insured or Rider Beneficiary’s age changes between the app sign date & the issue date

> Money orders are not accepted for monthly premiums

For agent use only. Not for distribution to the public as sales literature.

162 Years of Innovation

1851: Founded as American Temperance Life Insurance Company

1865: Famous insured: President Abraham Lincoln

1926-50: Known as the “Retirement Income Company”

1955: First: Reduced premiums for women

1967: First: lower rates to nonsmokers

1982: First: survivorship life policy

2005: First annuity company offering spousal continuation

2008: New focus on middle market • Embedded supplemental E&O coverage

for Phoenix policies • Separate account for indexed annuities

2013: Phoenix Remembrance Life is introduced

For Agent Use Only. Not for distribution to the public as sales literature.

Products for New Opportunities

For Agent Use Only. Not for distribution to the public as sales literature.

For Agent Use Only. Not for distribution to the public as sales literature.

Guarantees are based on the claims-paying ability of the issuing company, PHL Variable Insurance Company or Phoenix Life Insurance Company. Phoenix Remembrance Life (ICC12FEWL) is issued by PHL Variable Insurance Company (PHLVIC). In Maine and New York, Phoenix Remembrance Life is issued by Phoenix Life Insurance Company (PLIC). PHLVIC is not authorized to conduct business in Maine and New York. These insurers are separate entities and each is responsible only for its own financial condition and contractual obligations. Members of The Phoenix Companies, Inc. L5085PPT ©2013 The Phoenix Companies, Inc. BPD38918 10-13

(888) 794-4447, option 1