Click on each State for Approved Optional Riders & BenefitsState Product Approvals as of 03-14-2020

Sage T

erm - 1

0/15/2

0 Yea

r Term

Sage N

LUL - No Lap

se Unive

rsal L

ife

Sage I

UL - Index

ed Unive

rsal L

ife

Wealth

Care - I

ndexed

Single Prem

ium Universa

l Life

Sage W

hole Life

Sage S

ecure

FIA - Fixe

d Index

ed Annuity

Sage S

elect

Bonus FIA - F

ixed In

dexed

Annuity

Single Prem

ium Immed

iate A

nnuity (S

PIA)

Sage C

hoice SPDA - S

ingle Prem

ium Deferre

d Annuity

Milesto

ne MYGA - M

ulti-Yea

r Guara

nteed Annuity

Alabama

Arizona

Arkansas

California N/A N/A

Colorado

Delaware N/A

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana N/A N/A N/A N/A N/A N/A N/ANebraska

Nevada

New Hampshire N/A N/A

New Jersey

New Mexico

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Virginia

Washington

West Virginia

Wisconsin

Wyoming

Product Approved♦ Product Approved with Unisex Rates Product Approved - Accelerated Death Benefit is payable due to Terminal Condition or Chronic Illnessx Product Approved - Accelerated Death Benefit is payable due to Terminal Condition or Nursing Home Confinement Product Approved - Accelerated Death Benefit is only payable due to Terminal ConditionN/A means that the Product is not available in that state at this time 9091

Our Sales Team is ready to help you with the

Features and Benefits for each Product, Joint Recruiting or Client

Calls, Sagicor Tools and Procedures and much

more!

INSURANCEPROFESSIONAL ONLY.

NO PUBLIC DISTRIBUTION.

Please contact our Producer Resource

Center (PRC) for any questions concerning

the illustration software.

Please call us at (888) 724-4267

Ext. 4680 for more details.

Product availability andfeatures may vary by state

X0A0T

Riders & Benefits Available by Product as of 03-14-2020

Alabama Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement

Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

X1A0T

Riders & Benefits Available by Product as of 03-14-2020

Arizona Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider

Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement

Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

X2A0T

Riders & Benefits Available by Product as of 03-14-2020

Arkansas Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mut

li Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement

Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

X3A0T

Riders & Benefits Available by Product as of 03-14-2020

California Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic IllnessDue to Nursing Home Confinement

Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Terminal Illness Penalty Free Withdrawal Benefit Nursing Home Facility or Confined Care Facility Confinement BenefitOne Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium RiderWaiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

X4A0T

Riders & Benefits Available by Product as of 03-14-2020

Colorado Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Delaware Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium RiderWaiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

District of Columbia Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Florida Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

uty

(SPI

A)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home ConfinementAccidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Georgia Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Hawaii Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Idaho Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Illinois Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Indiana Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Iowa Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Kansas Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Kentucky Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Louisiana Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Massachusetts Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Maryland Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Michigan Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Minnesota Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Mississippi Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Missouri Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Montana Sage

Who

le L

ifeSa

ge S

elec

t Bon

us F

IA -

Fixe

d In

dexe

d An

nuity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home ConfinementAccidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option RiderMarket Value AdjustmentNursing Home or Confined Care Facility Confinement/Terminal Illness BenefitNursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection RiderReturn of Premium RiderWaiver of Monthly Deductions RiderWaiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Nebraska Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Nevada Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

New Hampshire Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al L

ife

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal RiderOver Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

New Jersey Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

New Mexico Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

North Carolina Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

North Dakota Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Ohio Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Oklahoma Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Oregon Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Pennsylvania Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Rhode Island Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

South Carolina Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

South Dakota Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement BenefitOne Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider9091

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Tennessee Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Texas Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Utah Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Virginia Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Washington Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

West Virginia Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Wisconsin Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals

Riders & Benefits Available by Product as of 03-14-2020

Wyoming Sage

Ter

m -

10/1

5/20

Yea

r Ter

m

Sage

NLU

L - N

o La

pse

Univ

ersa

l Life

Sage

IUL

- Ind

exed

Uni

vers

al L

ife

Wea

lthCa

re -

Inde

xed

Sing

le P

rem

ium

Uni

vers

al Li

fe

Sage

Who

le L

ifeSa

ge S

ecur

e FI

A - F

ixed

Inde

xed

Annu

ity

Sage

Sel

ect B

onus

FIA

- Fi

xed

Inde

xed

Annu

ity

Sing

le P

rem

ium

Imm

edia

te A

nnui

ty (S

PIA)

Sage

Cho

ice

SPDA

- Si

ngle

Pre

miu

m D

efer

red

Annu

ity

Mile

ston

e M

YGA

- Mul

ti-Ye

ar G

uara

ntee

d An

nuity

Accelerated Benefit Insurance Rider Due to Terminal Condition Due to Chronic Illness Due to Nursing Home Confinement Accidental Death Benefit Rider Children's Term Rider Guaranteed Insurability Option Rider Market Value Adjustment Nursing Home or Confined Care Facility Confinement/Terminal Illness Benefit Nursing Home Facility or Confined Care Facility Confinement Benefit One Time Withdrawal Rider Over Loan Lapse Protection Rider Return of Premium Rider Waiver of Monthly Deductions Rider Waiver of Premium Rider Approved Optional Riders Inherent Rider or Benefit Included under Accelerated Benefit Rider

Benefit & Rider availability and features may vary by state.INSURANCE PROFESSIONAL ONLY - NO PUBLIC DISTRIBUTION

9091 Return to State Product Approvals