GuideStar. Agent Guide. Final Expense. The American Home Life Insurance Company 400 S Kansas Ave Topeka, KS

Transcription

1 GuideStar Final Expense Agent Guide The American Home Life Insurance Company 400 S Kansas Ave Topeka, KS For agent use only, not for use in sales presentations. Rev 12.15

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3 Table of Contents Company History... 1 Product Summaries... 2 Additional Riders & Benefits... 3 Accidental Death Benefit... 3 Nursing Home Rider... 3 Terminal Illness Rider... 3 Calculating Premiums NOTE Use Nearest Age To Calculate Rates!... 4 Why Nearest Age / Calculating Nearest Age... 5 Methods To Calculate Rates... 6 o Pre-Calculated Monthly Rate Sheets With/Without ADB (Recommended)... 6 Using the Pre-calculated Monthly Rate Sheets... 6 Access Pre-calculated Monthly Rate Sheets On Your Phone... 7, 8 o Compute Rates From Downloadable Software... 9 Downloading The Software... 9 Using the Software... 10, 11 o Manual Calculation Level & Graded Rate Charts Underwriting Info Application Health Questions Most Frequently Asked Underwriting Questions... 16, 17 Height & Weight Chart Disease & Medical Impairment Guide (alphabetical) Medication Guide (alphabetical) GuideStar Insurance Telephone Interview Basic Structure Tips To Expedite Process Telepone Interview Hours Script (See Appendix)

4 Table of Contents (Page 2) Completing The Application Page By Page Page 0 - Application Submission Cover Page (Form U-ASCP) Page 1 - Client + Policy + Bank Account Info Page 2 - Health Information Page 3 - Authorization To Obtain Information + Agent s Certification + Agents Remarks Page 4 - Company s Copy of the Conditional Receipt Page 5 - Owner s Copy of the Conditional Receipt + Owner s Copy of the Authorization to Obtain Info Page 6 - Notices Page (MIB, Credit Reporting, Info Practices) Page 7 - Accelerated Benefit Rider - Summary of Acknowledgement (Return With Application). 32 Page 8 - Accelerated Benefit Rider - Summary of Acknowledgement (Leave With Applicant) Premium Payment Options Mode (Frequency) Of Payments Initial VS. Recurring Payments Submitting The Application Methods To Submit Applications o Fax o Agent Zone Upload... 34, 35 o Mail Commissions Commission Payment Frequency Options Advances Cancelations Lapses Deaths Within The First Year How To Access Your Commission Statement Online... 36, 37 Applying For Additional Coverage The GuideStar Discount (No Policy Fee!) Reinstatement A Special Conservation Option - The GuideStar Saver GuideStar Saver Rules... 38

5 Table of Contents (Page 3) Contact Info & Office Hours Appendix Pre-calculated Monthly Rates Sheets WITHOUT Accidental Death Benefit o Level - Female - Non-Smoker o Level - Female - Smoker o Level - Male - Non-Smoker o Level - Male - Smoker o Graded - Female - Non-Smoker o Graded - Female - Smoker o Graded - Male - Non-Smoker o Graded - Male - Smoker Pre-calculated Monthly Rates Sheets WITH Accidental Death Benefit o Level - ADB - Female - Non-Tobacco o Level - ADB - Female - Tobacco o Level - ADB - Male - Non-Tobacco o Level - ADB - Male - Tobacco Additional Calculating Nearest Age Practice Examples Supply Order GuideStar Insurance Telephone Interview Script Full Size Sales Materials o GuideStar Brochure o In Home Presentation

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7 AMERICAN HOME LIFE GUIDESTAR FINAL EXPENSE INSURANCE GuideStar Final Expense Insurance is designed to protect clients of ages from the high cost of settling their final expenses. These expenses may include funeral and burial expenses, medical expenses, or outstanding debt that could burden the client s loved ones when death occurs. The GuideStar product guarantees a low, monthly payment that will never increase, and a guaranteed death benefit that can never go down, so long as the premiums continue to be paid. Also, the policy cannot be canceled due to age. The policy offers guaranteed cash value, as well as a reduced paid up option, should the client wish to quit paying premiums after the first year. Level Graded Death Benefit (Subject to 2 year contestability period) Immediate 100% Death Benefit 50% Year 1, 75% Year 2, 100% Year 3+ *Exception: Male, Smoker Year 1 50%, Year % **100% Benefit if Accidental Death In Year 1 & 2 Underwriting Class Non-Tobacco; Tobacco Non-Tobacco; Tobacco Issue Ages (Nearest Age) (Nearest Age) Minimum Face Amount $1,000 $1,000 Maximum Face Amount *Note - All policies over $20,000 are subject to mandatory APS Riders: Accidental Death Benefit Nursing Home Rider Accelerated Benefit Rider *Note* State variations may apply Ages (Nearest Age) Max $35,000 Ages (Nearest Age) Max $15,000 Ages (Nearest Age) Max $7,500 ADB: (Nearest Age): Terminates at 80 NHR: 50-85; No Termination ABR: 50-85; No Termination FL: NHR Not Available Ages (Nearest Age) Max $10,000 Ages (Nearest Age) Max $5,000 ADB: Not Available NHR: 50-75; No Termination ABR: 50-75; No Termination FL: NHR Not Available 2

8 ADDITIONAL RIDERS AND BENEFITS ACCIDENTAL DEATH BENEFIT AVAILABLE ON LEVEL PLANS ONLY For an additional monthly cost, the client has the option to add the Accidental Death Benefit rider which provides additional benefits in the event of accidental death. The maximum amount available to the client is the amount equal to but no greater than the face amount of the base policy. The rider is available for purchase from age (nearest age) and is in effect until the policy anniversary nearest the client s age 80. The annual rates per 1,000 for the benefit are as follows: Accidental Death Benefit For Level Benefit Plans Only Annual Rates per $1,000 Issue Ages Premiums $ $ $2.40 *Note: In order to arrive at the monthly rate with an accidental death benefit equal to the amount of the base face amount, refer to the pre-calculated monthly rates sheets in the appendix. This prevents you from having to manually calculate. TERMINAL ILLNESS RIDER The Terminal Illness Rider is automatically inclued in both the Level and Graded plans and allows the insured to claim 100% of the death benefit proceeds minus a modest, backend charge which is deducted from the face amount at the time the client exercises the rider. In order to qualify to use the rider, the client must be diagnosed as having a non-correctable medical condition that, with resonable medical certainty, will result in death within months* from the date the benefit is requested. AHL will require a doctor s note certifying the client s illness is terminal in order to excercise the option. For more details, see the Final Expense Application page titled Accelerated Benefit Rider. *Time period may vary based on state NURSING HOME RIDER - NOT AVAILABLE IN FL The Nursing Home Rider is automatically included in both the Level and Graded plans and allows the insured to claim 100% of the death benefit proceeds minus a modest, backend charge which is deducted from the face amount at the time the client exercises the rider. In order to qualify to use the rider, the client must be permanely and continuously confined to a nursing home. AHL will require a doctor s note certifying the client s need to be permanetly placed in a nursing home due to health reasons. For more details see the Final Expense Applicaton page titled Accelerated Benefit Rider. 3

9 CALCULATING PREMIUMS NOTE* - ALL PREMIUMS INCLUDING FINAL EXPENSE SHOULD BE CALCULATED USING THE CLIENT S NEAREST AGE! IF THEY HAVE HAD THEIR HALF BIRTHDAY, YOU WILL USE THEIR CURRENT AGE + 1. You have a number of options for calculating final expense premiums with American Home Life. NOTE THAT SPECIFIC INSTRUCTIONS ON HOW TO USE THESE RESOURCES ARE ON SUBSEQUENT PAGES! These options include the following: Pre-calculated Monthly Premium Sheets Recommended Method - AHL provides pre-calculated monthly premium sheets for your convenience. There are two versions of the rate sheets, one that DOES NOT include accidental death and another that DOES include accidental death benefit in the amount equal to policy s base face amount. Example: $10,000 Base Face Amount + $10,000 Accidental Death Benefit (ADB) = $20,000 Total Death Benefit in the event of an accidental death. Both versions can be found in the Appendix. Download Software from website Run Quotes & Illustrations from Downloadable Software - Although the illustrations are rarely used at the point of sale in most final expense presentations, AHL does make them available to all agents. The illustration shows our premium by modes, guaranteed cash, and reduced paid up values. Manually Calculate Rates - AHL recommends using one of the two other methods in order to minimize mistakes but this option is available if desired. Rates, policy fees, modal factors etc are available in the GuideStar Ratebook (GS Rates (Rev ) on-line in the Agent Zone under the Rates & Brochures tab or a paper copy is available in your supply kit you received when initially contracting. 4

10 ISSUE AGE CALCULATIONS WHY NEAREST AGE? AHL uses Nearest Age to determine policy premium because it provides our policyholders with rates that are more fair and reflective of their actual age. Nearest Age is simply the age the prospective client is nearest to at the expected effective date of the policy; this may be their current age (if they HAVE NOT had their half birthday) or it may be their current age + 1 (if they HAVE had their half birthday). Don t make this more complicated than it needs to be! CALCULATING NEAREST AGE 1. Obtain Client s Current Age & Birthday 2. Determine # Of Whole Months Past Since Last Birthday (1-11) a. If # Of Whole Months Since Last Birthday is LESS THAN OR EQUAL TO 5, Then Nearest Age Is Current Age b. If # Of FULL Months Since Last Birthday is GREATER THAN OR EQUAL TO 6, Then Nearest Age Is Current Age + 1 Here are a couple of examples to help get you more comfortable. If you still don t feel comfortable, you can go over a few more examples in the Appendix CPS page or always download a generic Age Calculator application to your phone or laptop. Example 1: Client s Birthday 3/10/1950 ; Date Policy Becomes Effective = 6/15/ Current Age = # Full Months Since Last Birthday = 3...(March 10 - April 10, April 10 - May 10, May 1 - June 10) 3. Since 3 IS LESS Than OR Equal To 5, Use Client s Current Age = 65 Example 2: Client s Birthday 3/10/1950 ; Date Policy Becomes Effective = 9/15/ Current Age = # Full Months Since Last Birthday = 6...(March 10- April 10, April 10 - May 10, May 1 - Jun 10, June 10 - July 10, July 10 - August 10, August 10 - September 10) 3. Since 6 IS Greater than or Equal to 6, Use Client s Current Age + 1 = 66 5

11 GUIDESTAR PRE-CALCULATED MONTHLY PREMIUM RATES REMINDER*- ALL RATES ARE BASED ON CLIENT S NEAREST AGE! (NOT CURRENT AGE) The Pre-calculated Monthly Premium Rate Sheets are designed to help you quickly and easily obtain rates for the most commonly sold face amounts. A copy of the rate sheets can be found in the appendix of this Guide Book, the Rates & Brochures section of the Agent Zone, or simply see When accessing the rates from the website above, you must enter that web address into the address bar. That page is not accessible through the main site or by googling. HOW TO USE PRE-CALCULATED MONTHLY PREMIUM RATE SHEETS There are two versions of pre-calculated monthly premium rates. One version of the pre-calculated monthly premium rates assumes the client DOES NOT want to add any Accidental Death Benefit ( NO ADB ), and the other version assumes the client wants to add an Accidental Death Benefit equal to the amount of the base plan face amount, effectively doubling the amount payable upon death if the insured s death meets the rider s criteria for Accidental Death. Please note that the Accidental Death Benefit is not available on the Graded plan. BOTH versions of the pre-calculated monthly premium rate sheets display the monthly bank draft amounts required to purchase specified face amounts of insurance at different ages. There are no other calculations required to arrive at the final rate. You will also notice that the pre-calculated monthly premium rate sheets are color coded (pink for female, blue for male, green for tobacco) to help you quickly find the appropriate pre-calculated monthly premium rate sheet for each client. The pre-calculated monthly premium rate sheets are also marked at the top of each sheet for verification. Certain columns are also highlighted in yellow to help make it easier for you to scroll the rates without losing your place; they do not mean you need to do anything else! You will also notice the 2nd column from the left, it is simply the annual rate per thousand, ignore it. To find the monthly bank draft amount for a certain client, simply find the appropriate pre-calculated monthly premium rate sheet (ADB OR NO ADB, then male or female, then tobacco or non-tobacco, then level or graded). Next, find the appropriate nearest age for the client, which is the far left column on all of the sheets. Then, scroll from left to right until you find a monthly bank draft amount that fits the client s budget. You will also notice that some rates are not available ( N/A ). For the version of rate sheets that DOES NOT include Accidental Death ( NO ADB ), this indicates that AHL does not sell that specific face amount at that specific age. For the version of rate sheets that DOES include Accidental Death ( ADB ), the N/A rates may indicate that AHL does not offer Accidental Death at those ages (Accidental Death is not offered after 74). Examples Check To See If You Know How To Use The Rate Sheets Ex 1 Male, Nearest Age 57, wants 10,000 face amount + 10,000 Accidental Death, Non-Tobacco, Qualifies for Level Product - Monthly rate = $50.78 Ex 2 Female, Nearest Age74, wants 9,000 face amount & NO Accidental Death, Non-Tobacco, Qualifies for Level Product - Monthly rate = $

12 Ex 3 Female, Nearest Age 52, wants 9,000 face amount & NO Accidental Death, Tobacco, Qualifies for Graded Product - Monthly rate = $69.23 ACCESS PRE-CALCULATED MONTHLY PREMIUM RATE SHEETS ON YOUR SMARTPHONE OR TABLET If you would like to have easy access to these pre-calculated monthly premium rate sheets using a smartphone or Tablet (including the Ipad), you can add a shortcut icon to the website, to the home screen of your respective device. This will allow the pre-calculated monthly premium rate sheets to be electronically available and only one click away. There are many different brands and versions of smartphones and tablets in the marketplace today, so it would be nearly impossible to cover the specific instructions on how to set up a shortcut on every device. However, we do provide tap by tap instructions with pictures on how to set up the shortcut on the most popular device, the IPhone 6, on the next page! If you are trying to get the pre-calculated monthly premium rates sheets on a different device, the best and easiest way to get quality instruction is to simply Google or go to Youtube and search, How to create a website shortcut on my [insert your device here]. Almost all companies will have detailed instructions on how to accomplish this. If you are still having trouble, you can contact the Home Office Marketing Department for help (800)

13 TAP BY TAP GUIDE IPHONE (6) 1. Find and Tap the Safari Icon 2. Enter into the ADDRESS BAR. Make sure you are not simply searching on Google for the website; it will not appear that way. 3. The following website will appear. You will notice it is NOT the regular website. This website has 2 links to the 2 different versions of rates (one with ADB and one without ADB) Click the option icon at the bottom of page. Note that this option appears on your phone, not the website, when you begin to scroll down. 5. When you click the option icon, the following options will appear. Find and click the Add to Home Screen icon. 6. When you click Add to Home Screen icon, the following page will appear. Click Add in the top right corner. 7. You re finished! Go to your home screen and find the American Home Life Icon. Clicking this icon will take you directly to the rates page

14 CALCULATING RATES USING DOWNLOADABLE SOFTWARE Although AHL recommends using the pre-calculated monthly premium rate sheets in order to calculate rates, if you prefer to use software illustrations, we have that available as well. DOWNLOADING THE SOFTWARE 1. Login to Agent Zone at 2. Find the Downloads Tab at the top and click Software 3. Download & Install All Products Version of the Software 9

15 USING THE SOFTWARE 1. Find AHL All Products icon on your Desktop (home screen) & Double Click 2. Click dropdown arrow on the right end of American Whole Life Tab 3. Scroll down to GuideStar Final Expense Product and Click, then press enter 10

16 4. Enter in appropriate inputs, and choose the Preview Printed Proposal icon which is the 5th icon from the left. 5. Upon clicking Preview Printed Proposal icon you will have access to the illustration which contains the following 3 pages. 11

17 MANUAL CALCULATION Although AHL does not recommend manually calculating the rates from scratch due to the increased risk of error and because it can be very time consuming, we do offer all the tools you need to calculate the rates correctly. MANUAL CALCULATION INSTRUCTIONS The equation to calculate rates is as follows: Annual Premium = [(Annual Rate Per Thousand) x (# of Thousands) + (Policy Fee)] Once you have the Annual Premium, calculating the semi-annual, quarterly, and monthly rates are easy. Simply multiply the calculated monthly premium by the appropriate mode (listed below). Annual (100% of Annual Premium) = 1; (No additional calculation) Semi-Annual (52% of Annual Premium) =.52 Quarterly (26.5% of Annual Premium) =.265 Monthly Automatic (.0875 of Annual Premium) =.0875 Example - see Annual Rates Per Thousand on the next page. Ex. 1) Male, Level, 50, NT, $10,000 Death Benefit Annual = [(Rate Per Thousand) x (# of Thousands) + (Policy Fee)] = [(33.96)x(10) + ($60.00)]= $ Monthly = [(Annual Premium) x (Monthly Processing Factor)] = [($399.60) x.0875] = $34.97 Accidental Death Benefit Accidental Death Benefit (ADB) For Level Benefit Plans Only Rates per $1,000 Issue Ages Premiums $ $ $2.40 Ages of Issue Minimum Amounts $1,000 Maximum Amount An amount equal to but no greater than the face amount of the base policy. In no event will the benefit exceed $35,000. Benefit Termination Policy anniversary nearest age 80. When the base policy is surrendered. To Calculate Monthly ADB Rates... Formula to calculate Monthly Price of ADB =[(Annual ADB Rate per Thousand) x (# of Thousands)]*.0875 Ex. 1) Male, Level, 50, NT, $10,000 D B + $10,000 ADB Mo. Rate without $10,000 ADB = $34.97 (See Ex. 1 on Pg. 4) Mo. Rate with $10,000 ADB = $ [(1.2) x (10)]*.0875= $

18 Annual Premium = [(Annual Rate Per Thousand) x (# of Thousands) + (Policy Fee)] LEVEL & GRADED RATE CHARTS Level Annual Premium Rates Per $1,000 Minimum: $1,000 Policy Fee: $60.00 A MALE FEMALE G E Non-Tobacco Tobacco Non-Tobacco Tobacco Graded Annual Premium Rates Per $1,000 Minimum: $1,000 Policy Fee: $60.00 A MALE FEMALE G E Non-Tobacco Tobacco Non-Tobacco Tobacco

19 UNDERWRITING INFORMATION American Home Life s goal is to have the simplest, most transparent and most consistent final expense application process in the industry. We understand when you re in a new client s home trying to close the sale, the last thing you want is to spend time filling out the application incorrectly only to find out that we won t accept your client due to health reasons. In order to minimize these types of events, we offer our agents a Top Frequently Asked Underwriting Questions Guide, a Disease & Medical Impairments Guide, and Medication Guide. Finally, we offer all agents a direct line to our underwriters for pre-consultation before the sale for the tricky ones. All of these tools should provide the agent the highest possible level of confidence that business will be issued as expected. THE APPLICATION HEALTH INFORMATION The application has 2 sets of questions. The 1st set, questions 1-5, are knock-out questions. If the client answers any of questions 1-5 Yes, do not apply. The 2nd set of questions, questions 6-9, will determine if the client is level, graded, or decline. If the applicant answers 0 questions in the second set (and the first set) Yes, the applicant will be eligible for the level plan. If the applicant answers all questions No in the knockout section, but either 1 or 2 questions Yes in the second set (questions 6-9), the client will be eligible for a graded plan. If the applicant answers more than 2 questions Yes in the second section, they do not qualify for either product. Please take note that the answers to the health questions only make the client eligible for coverage. The client must also fit within the Height & Weight Chart. It should be known that the Height & Weight Chart is unisex and very liberal so it will rarely come into play. The chart below helps to clarify how applicants qualify for each plan. Knockout Questions Part 2 Questions Build (Questions 1-5) (Questions 6-9) Chart Level All No Answers All No Answers Within Level Range Graded All No Answers All No Answers Within Graded Range Graded All No Answers 1 Yes Answer Within Level Or Graded Range Graded All No Answers 2 Yes Answers Within Level Range Decline All No Answers 3 Or More Yes Answers Within Level Range Decline 1 Or More Yes Answers All No Answers Within Level Range Decline All No Answers 2 Yes Answers Within Graded Range Decline All No Answers All No Answers Within Decline Range 14

20 HEALTH INFORMATION If any part of questions 1-5 is answered YES do not submit the application. 1. Are you hospitalized, bedridden or confined to a nursing home, hospice or long-term care facility? 2. Have you been diagnosed by or received treatment from a medical professional for any of the following: A. A medical condition that, with reasonable medical certainty, will result in death within 12 months, ALS, Alzheimer s, dementia or metastatic cancer? B. Diabetes accompanied by heart disease (excluding hypertension), kidney disease, peripheral arterial disease (PAD, poor circulation), Transient Ischemic Attack (TIA) or stroke? C. Cirrhosis or liver failure? D. Kidney failure requiring dialysis? E. Used or been advised to use oxygen to assist breathing? F. Leukemia or organ transplant? G. Coronary artery disease (CAD) accompanied by (1) congestive heart failure or (2) cardiomyopathy? H. Implantation of a defibrillator? 3. To the best of your knowledge, have you been diagnosed or treated by a medical professional for an immune deficiency disorder, HIV, AIDS, or AIDS related complex (ARC), or tested positive on an AIDS related blood test? 4. Have you, within the past 12 months, been advised by a medical professional to have a diagnostic test (excludes HIV or AIDS related tests), surgery, dialysis, home health care, nursing home, hospice or long-term care facility confinement or hospitalization which has not yet been started, completed or for which results are not known? 5. In the last 36 months, have you been convicted of a felony or of operating a vehicle while intoxicated or impaired or are you presently on probation or parole? If two or less of the following questions (6-9) are answered yes, Proposed Insured will only be eligible for Graded Benefit. If more than two questions (6-9) are answered yes, do not submit the application. 6. Do you have diabetes diagnosed by a medical professional (a) with duration of 20 years or more, or (b) requiring insulin, or (c) diagnosed at any age and that is not controlled? 7. Do you need ongoing assistance with activities of daily living (help with eating, bathing, dressing, transferring, use of the toilet or the taking of medications) either provided by a family member or third party? 8. In the last 24 months have you been diagnosed by or received treatment from a medical professional for any of the following: A. Heart disease (excluding hypertension) or any procedure to improve circulation to the heart including coronary artery bypass or stents? B. Stroke or Transient Ischemic Attack (TIA) or a procedure to improve circulation to the brain? C. Peripheral arterial disease (PAD, poor circulation) or any procedure to improve circulation to the extremities? D. Counseling or treatment for alcohol or substance abuse? E. Kidney or liver disease? F. Any chronic lung disorder excluding intermittent asthma attacks? 9. In the last 36 months have you been diagnosed by or received treatment from a medical professional for internal cancer, melanoma or disorder of the blood (this excludes squamous cell and basal cell skin cancers)? 15

21 MOST FEQUENTLY ASKED UNDERWRITING QUESTIONS HEART RELATED If my client has had a heart attack, does that mean he has heart disease? Yes, a heart attack is considered heart disease. Heart diseases also include but are not limited to: Congestive Heart Failure, Cardiomyopathy, Coronary Artery Disease (CAD), and Peripheral Arterial Disease (PAD). Arrythmias and/or valvular diseases such as Atrial Fibrillation do not qualify as Heart Disease. MAINTENANCE OR PREVENTIVE MEDS VS. TREATMENT MEDS My client was diagnosed with Coronary Artery Disease (CAD) more than 2 years ago but takes Coumadin/ Warfarin, is this considered treatment and does he have to answer yes to question 8A? Because the diagnosis occurred more than 2 years ago, this would be considered maintenance. Thus, the client can answer No to 8a and still be eligible for Level. My client had a heart attack more than 2 years ago, but he currently takes Coumadin/warfarin (blood thinner), is this considered treatment for a heart disease? Because the diagnosis occurred more than 2 years ago, this would be considered maintenance. Thus, the client can answer No to 8a and still be eligible for Level. My client was an alcoholic more than two years ago but he still attends an AA meeting once a month, is that considered treatment and does he have to answer question 8D yes? No, if your client has not had a relapse (drank) in the last 2 years, the attendance of AA meetings is considered preventive and he/she can answer no. DIABETES RELATED If my client had a heart attack/heart disease diagnosis 10 years ago, and was diagnosed with diabetes 2 years ago (or any time before OR after the heart attack/heart disease) does he answer yes to 2B and be declined? Yes, it does not matter which comes first, Diabetes or Heart Disease (or Stroke), the client will be a decline. What is considered uncontrolled for diabetics? Blood sugar readings at or above 240, or A1C scores of 10.0 or above, or a Diabetic Coma or Insulin Shock within the last 6 months is considered uncontrolled Diabetes. Client still eligible for Graded. LUNG RELATED My client has COPD/Chronic Bronchitis/Emphysema, how should he/she apply? COPD/Bronchitis/Emphysema can be issued level, graded or a decline. If the applicant is using or has been prescribed oxygen, he/she will be a decline. If the client is using an inhaler such as Spiriva, the client will be graded as this is considered treatment (not preventive or maintenance). If the client was diagnosed more than 2 years ago, and is not using oxygen or inhalers, he/she will be eligible for level. 16

22 HELP AT HOME - ACTIVITIES OF DAILY LIVING (ADL) - HOME HEALTH CARE It can be difficult to determine what distinguishes extra help around the house, ADLs, and home health care. Here is how AHL distinguishes and a couple of the most common examples. Help At Home - This term applies to an older person who has someone come to their house periodically to help with non-vital household duties such as: cooking, cleaning, laundry etc. The key here is the duties are non-vital to living. Applicants who receive this help are eligible for Level. Ongoing assistance with Activities of Daily Living (ADL) - ADL s are more vital, daily, self-care activities which are more vital to sustaining one s life and/or function. These activities include: eating, bathing, dressing, transferring, toileting, and taking of medications. Applicants who receive help in one ADL are not eligible for level, but are eligible for Graded. Home Health Care - Home Health Care is defined as care (checking vitals, making sure the client has eaten, not fallen down, etc.) administered at one s home by a licensed health professional. This level of care is considered vital and life sustaining. Applicants receiving this level of care are Declines. MISCELLANEOUS Bad MIB/SCRIPT CHECK Codes My client s coded by MIB/Rx Check but swears he s never been diagnosed, what can you do? MIB codes and Rx Check are usually very accurate sources of information but sometimes, not often, another carrier reports a code incorrectly to MIB or the wrong Rx is reported by a pharmacy. We are happy to get an APS (medical records) to verify the client s claim, we just need to have the client sign page 3 (Authorization to Obtain Information) of the application and fax it to us so we can request records from his doctor s office. No Doctor My client doesn t have a doctor, does that mean he can t apply? If the client is under age 68, he/she doesn t need to have a doctor listed on the application and can apply as usual. If the client is 68 or over, he/she must have a doctor or clinic listed on the application. Pending Non-Life Threatening Surgery My client broke his arm and has to have surgery to remove screws this year, decline because of question 4? No, having a screw removed is considered a simple procedure and non-life threatening. The client can proceed to apply as usual. Question #4 has some gray areas so call underwriting before hand if needed. Sleep Apnea/CPAP Machine CPAP machines do not count as use of oxygen and applicants are ok to apply Level. Oxygen Concentrators WITH CPAP machines are Decline. 17

23 HEIGHT & WEIGHT CHART The Height & Weight Chart will be used in combination with the health questions to determine product eligibility. The Height & Weight Chart applies to both male and female. In order to qualify for the Level product, the client must answer all health questions No and have a height and weight within the acceptable Level weight specifications. In rare cases, clients may not fall within the acceptable Level weights specifications and will either be in the Graded range, or worse, the Decline range. If the client s height and weight are within the Graded range, this will count as a Yes answer on the 6-9 section of the (not knockout section) application, and the client can only answer one health question Yes on the 6-9 section of the application and still qualify for Graded. HEIGHT DECLINE WEIGHT LEVEL WEIGHT *GRADED WEIGHT DECLINE WEIGHT 5'0" Below up 5'1" Below up 5'2" Below up 5'3" Below up 5'4" Below up 5'5" Below up 5'6" Below up 5'7" Below up 5'8" Below up 5'9" Below up 5'10" Below up 5'11" Below up 6'0" Below up 6'1" Below up 6'2" Below up 6'3" Below up 6'4" Below up 6'5" Below up 6'6" Below up 18

24 DISEASE & MEDICAL IMPAIRMENTS GUIDE Medical Impairment Coverage Option Acquired Immune Deficiency Syndrome (AIDS), Decline AIDS Related Complex (ARC), Human Immunodeficiency Virus (HIV) Alcohol/Drug Abuse/Addiction Graded - if treatment or counseling in the last 24 months. Level if treatment and counseling more than 24 months ago. Alzheimer s Disease Decline Amyotrophic Lateral Sclerosis (ALS) Decline (Lou Gehrig s Disease) Amputation Graded if unable to independently perform all ADLs. Level if self-sufficient. Amputation with Diabetes Decline because the amputation is due to PAD (poor circulation) and Diabetes + PAD = Decline (Q#2B) Aneurysm Decline if client has Diabetes. Graded if occurrence or treatment within 24 months (and no Diabetes). Level if occurrence and treatment more than 24 months ago. Angina Decline if client has diabetes. Graded if occurrence or treated by Nitros or Isosorbide within 24 months. Level if occurrence and last nitro use more than 24 months ago. Aricept, Cognex, Donepezil, Exelon, Razadyne, Decline Namenda Arrhythmia Arrhythmias are not considered heart disease. Eligible for level. Artial Fibrillation Atrial Fibrillation is considered a type of arrhythmia and thus will not be considered heart disease. Eligible for level. Basal Cell Skin cancer Level Bone Marrow Transplant Decline Brain Tumor Decline if outcome not known or Graded within 36 months or Level over 36 months Cancer: Decline if metastatic ( Stage 2, 3 or 4 ). Graded if diagnosis or treatment ( Stage 1 Cancer only) within 36 Breast months. Level if diagnosis or treatment more than 36 months ago. Preventive drugs Tamoxifen & Arimidex considered preventative (Level). Colon Decline if metastatic ( Stage 2, 3 or 4 ). Graded if diagnosis or treatment ( Stage 1 Cancer only) within 36 months. Level if diagnosis or treatment more than 36 months ago. Preventive drugs Tamoxifen & Arimidex considered preventative (Level). 19

25 Lung Decline if metastatic ( Stage 2, 3 or 4 ). Graded if diagnosis or treatment ( Stage 1 Cancer only) within 36 months. Level if diagnosis or treatment more than 36 months ago. Preventive drugs Tamoxifen & Arimidex considered preventative (Level). Pancreatic/Liver Decline - Average prognosis is 6 months (yes to Q#2A) Prostate Decline if metastatic ( Stage 2, 3 or 4 ). Graded if diagnosis or treatment ( Stage 1 Cancer only) within 36 months. Level if diagnosis or treatment more than 36 months ago. Preventive drugs Tamoxifen & Arimidex considered preventative (Level). Ovarian Decline - Almost always metastatic at diagnosis (yes to (Q#2A) Skin Decline if metastatic ( Stage 2, 3 or 4 ). Graded if diagnosis or treatment ( Stage 1 Cancer only) within 36 months. Level if diagnosis or treatment more than 36 months ago. Preventive drugs Tamoxifen & Arimidex considered preventative (Level). Thyroid Decline if metastatic ( Stage 2, 3 or 4 ). Graded if diagnosis or treatment ( Stage 1 Cancer only) within 36 months. Level if diagnosis or treatment more than 36 months ago. Preventive drugs Tamoxifen & Arimidex considered preventative (Level). Cardiomyopathy Decline if applicant has Diabetes or Coronary Artery Disease (CAD). Graded if diagnosis or treatment ( Nitros or other emergency meds/procedures) within 24 months. Level if diagnosis and treatment more than 24 months ago. Cerebral Palsy Level or Graded if needs assistance with ADL s Chronic Bronchitis Level if diagnosis more than 24 months ago and no treatment. Graded if diagnosis less than 24 monts ago or prescription/use of inhaler any time after diagnosis. Inhaler considered treatment. Chronic Obstructive Pulmonary Disease (COPD) (COPD includes Emphysema, Chronic Bronchitis and Bronchiectasis) Chronic Pancreatitis Circulatory Surgery Cirrhosis of the Liver Cystic Fibrosis Defibrillator Dementia Level if diabnosis more than 24 months ago and no treatment. Graded if diagnosis less than 24 monts ago or prescription/use of inhaler any time after diagnosis. Inhaler consered treatment. Level Decline if circulatory surgery and diabetes. Graded if surgery within 24 months and no diabetes. Level if surgery more than 24 months ago and no Diabetes. Decline Decline - Average life expectancy is 38 and product begins at age 50. Decline Decline 20

26 Diabetic Coma If Diabetic Coma occurred within the last 6 months, we will consider the applicant s Diabetes out of control, and they will answer question 6 yes and get Graded. If Diabetic Coma occurred more than 6 months ago, applicant will be Level. Diabetic Control AHL considers a Diabetic controlled if they have had no diabetic comas, insulin shocks or fasting blood sugars at or above 240 or A1Cs at or above 10 within the last 6 months. Diabetic Nephropathy Decline (Question #2b). Nephropathy is Kidney Disease Diabetic Neuropathy (nerve damage due to Diabetes) and 6. Otherwise, may be Graded (6) or Decline (2b). Level so long as they can answer no to Questions 2b Diabetic Retinopathy Level so long as they can answer no to Questions 2b and 6. Otherwise, may be Graded (6) or Decline (2b). Downs Syndrome/Mental Retardation Level, Graded or Decline, Depends on Self sufficiency or any health conditions Duchenne Muscular Dystrophy Decline if using home health care. Graded if applicant is unable to independently perform ADLs. Level is self-sufficient. Emphysema Level if diagnosis more than 24 months ago and no treatment. Graded if diagnosis less than 24 months ago or prescription/use of inhaler any time after diagnosis. Inhaler considered treatment. Heart Attack Decline if heart attack (ever) and Diabetes. Graded if occurrence less than 24 months ago or Nitro/Isosorbide use within 24 months. Level if occurrence or Nitro/ Isosorbide use more than 24 months ago. Also Level if event and Nitro/Isosorbide treatment more than 24 months ago and taking a blood thinner. Heart Birth Defect Level Heart Disease The application refers to heart disease multiple times. Hundreds of heart diseases exist, but the most common diseases are: Coronary Artery Disease (CAD), Congestive Heart Failure (CHF), Cardiomyopathy, Peripheral Vascular Disease (PVD). Arrhythmias such as Atrial Fibrillation and other Valvular heart disorders WILL NOT be considered heart disease. Heart Disease + Diabetes = Decline. Heart Disease diagnosis (alone) or treatment (Nitro or Isosorbide) within 24 months = Graded. Level if diagnosis and/or last Nitro/Isosorbide (emergency medication) use more than 24 months ago. Coumadin NOT considered treatment. Heart Surgery Decline with Diabetes. Graded if surgery within 24 months. Level if surgery more than 24 months ago. Hepatitis B & C Decline if disease has caused liver failure. Graded if diagnosis or treatment within 24 months. Level if diagnosis or treatment more than 24 months ago. 21

27 Home Healthcare Hospice Care Huntington s Disease Insulin Shots for Diabetes Insulin Shock Kidney Dialysis - due to end stage renal disease Kidney Insufficiency Liver Disease/Disorder Multiple Sclerosis Muscular Dystrophy (other than Duchenne MD) Nephropathy (Kidney Disease) Neuropathy Nursing Home, Hospital, Psychiatric Organ Transplant Organic Brain Disease Oxygen Equipment (Excludes Sleep Apnea) Pacemaker Parkinson s Disease Retinopathy Schizophrenia Sickle Cell Anemia Spina Bifida Decline Decline Decline Graded If Insulin Shock occurred within the last 6 months, we will consider the client s Diabetes out of control, and they will answer question 6 yes and be eligible for Graded. If Insulin Shock occurred more than 6 months ago, they will be eligible for level. Decline Decline with Diabetes. Decline if requires Dialysis. Graded if diagnosis or treatment (other than blood pressure/cholesterol) within 24 months. Level if diagnosis and last treatment more than 24 months ago. Decline if liver failure. Graded if diagnosis or treatment within 24 months. Decline if home health care. Graded if unable to independently perform ADLs. Level if self-sufficient. Decline if using home health care. Graded if applicant is unable to independently perform ADLs. Level is self-sufficient. Decline with Diabetes. Decline if ever requires Dialysis. Graded if diagnosis or treatment (other than blood pressure/cholesterol) within 24 months. Level if diagnosis and last treatment more than 24 months ago Level Decline Decline Decline General Rule is oxygen prescription or use at home (not hospital) is decline. Oxygen Concentrator CPAP machines (not regular CPAP machines) are decline. Regular CPAP machines are ok Level. Decline if applicant has pacemaker and a defibrillator. Level if just a pacemaker. Time period is since pacemaker inserted does not have to be greater than 24 months; no time period requirement. Routine battery change considered maintenance and ok Level. Graded if unable to independently perform all ADLs. Level if self-sufficient. Level Level Level Decline if home health care. Graded if unable to independently perform all ADLs. Level if self-sufficient. 22

28 Stroke Systemic Lupus (SLE) Terminal Illness (life expectancy of 12 months or less) Transient Ischemic Attack (TIA) Tuberculosis Tuberculosis End-Stage Disease (life expectancy of 12 months or less) Ulcerative Colitis Decline if stroke (ever) and Diabetes. Graded if occurrence or treatment within 24 months (if no Diabetes). Level if occurrence or treatment more than 24 months ago (if no Diabetes). Level Decline Decline if TIA (ever) and Diabetes. Graded if occurrence or treatment within 24 months (if no Diabetes). Level if occurrence or treatment more than 24 months ago (if no Diabetes). Graded if diagnosed or treated within24 months. Level if treatment concluded and cured greater than 24 months ago. Decline Level ADL - Activites of Daily Living CAD - Coronary Artery Disease 23

29 MEDICATION GUIDE Below is a list of the 100 most commonly encountered drugs in Guide Star s primary target market. The dot in the product columns indicate which product should be considered if your client is taking a specific medication. As the list explains, some of these drugs have multiple uses. In order to determine the proper coverage for the client, please ask them why they are taking the medication. If you have any doubt about the reason, (or if the reason is unknown), please quote the most conservative product option. If your client takes a prescription not listed below and you are unsure for which product they qualify, please contact American Home Life s Underwriting Department before calling to begin the application process. BPH - Benign Prostatic Hypertrophy/Benign Enlarged Prostate CHF - Congestive Heart Failure COPD - Chronic Obstructive Pulmonary Disease/Emphysema/Chronic Bronchitis PD - Possible Decline - In most cases, PD means Decline if the applicant has Diabetes + Heart Disease (Question 2B) OR if the client has Coronary Artery Disease + CHF OR + Cardiomyopathy (Question 2G) HTN - Hypertension/High Blood Pressure MS - Multiple Sclerosis If you have any questions, please contact underwriting. Proposed List Level Graded Decline Conditions for Which Prescribed Abilify (Aripiprazole) Bipolar Disorder/Antipsychotic Accupril PD HTN/CHF/Renal Failure Prevention Advair Asthma/COPD Aggrenox Blood Thinner / Stroke Prevention Albuterol Asthma/COPD Aldactone PD HTN/CHF/Renal Failure Prevention Alprazolam Anti-anxiety Altace PD HTN/CHF/Renal Failure Prevention Amiodarone Irregular Heartbeat Aricept Alzheimer s/dementia Arimidex Breast Cancer Atenolol PD HTN/Migraines/Tremors/Angina Baclofen Anti-spasmodic/MS/Nerve Damage Bupropion Anti-depressant Byetta Diabetes Caduet PD HTN/CHF/Renal Failure Prevention Captopril PD HTN/Cardiac Cardizem PD HTN/Angina/Cardiac Cardura HTN/BPH CellCept Anti-rejection Post Transplant Codeine Pain Reliever Cognex Alzheimer s/dementia Combivent Asthma/COPD Coreg PD HTN/Cardiac Coumadin PD Blood Thinner Cozaar HTN Cymbalta Major Depression 24

30 Proposed List Level Graded Decline Conditions for Which Prescribed Decadron Asthma/Arthritis Demerol Pain Reliever Depakote Seizure disorders/bipolar Disorder Dexamethasone Asthma/Arthritis Digoxin PD Irregular Heartbeat/CHF Dilantin Seizure Disorders Dilaudid Pain Reliever Diltiazem PD HTN/Angina/CHF Diovan PD HTN/ CHF / Diabetic Nephropathy Dopamine PD CHF/Renal Failure Donepevil Alzhemimers Dementia Enalapril PD HTN/CHF Fentanyl Pain due to cancer or other severe, debilitating pain Furosemide PD CHF/Fluid & Adema Gabapentin Seizures/Neuropathy Geodon Antipsychotic Haldol Antipsychotic Hctz PD HTN/Fluid/CHF/Renal Failure Heparin PD Blood Thinner Imdur PD Angina/Heart Disease/CHF Inderal PD Irregular Heartbeat/Angina/HTN Insulin Diabetes Isosorbide PD Angina/Heart Disease/CHF Keppra Seizure Disorder Klonopin Seizure Disorder Lamictal Seizure Disorder Lanoxin Irregular Heartbeat/CHF Lantus Diabetes Lasix PD Fluid/HTN/CHF Lisinopril PD HTN/CHF Lithium Bipolar Disorder Lopressor PD HTN/Angina/CHF Lovenox PD Blood Thinner Lupron Prostate Cancer Lyrica Neuropathy Medrol Asthma/COPD/Inflammation Methadone Severe Pain BPH - Benign Prostatic Hypertrophy/Benign Enlarged Prostate CHF - Congestive Heart Failure COPD - Chronic Obstructive Pulmonary Disease/Emphysema/Chronic Bronchitis PD - Possible Decline - In most cases, PD means Decline if the applicant has Diabetes + Heart Disease (Question 2B) OR if the client has Coronary Artery Disease + CHF OR + Cardiomyopathy (Question 2G) HTN - Hypertension/High Blood Pressure MS - Multiple Sclerosis If you have any questions, please contact underwriting. 25

31 Proposed List Level Graded Decline Conditions for Which Prescribed Methotrexate Cancer/MS/Rheumatoid Arthritis Methylprednisolone Asthma/COPD/Inflammation Metoprolol PD HTN/Angina/CHF Morphine Severe Pain Namenda Alzheimer s/dementia Neurontin Neuropathy Nifedipine PD HTN/Angina/CHF Nitroglycerine PD CHF Norvasc HTN Oxycontin Severe Pain Plavix PD Blood Thinner Prednisolone Asthma/COPD/Inflammation/Kidney Disease Prednisone Asthma/COPD/Inflammation Prozac Antidepressent Remeron Depression/Panic Disorder Requip Parkinson s/restless Leg Syndrome Risperdal Antipsychotic Seroquel Major Mental Disorders Sinemet Parkinson s Singulair Asthma/COPD Spiriva COPD Spironolactone PD Fluid/HTN/CHF Tamoxifen Breast Cancer Tegretol Seizures/Bipolar Disorder Tizanidine MS/Spinal Cord Disorder Topamax Seizure Disorder/Migraine Toprol PD HTN/Angina/CHF Triamterene PD Fluid/HTN/CHF Trileptal Seizure Disorder Vasotec PD HTN/CHF/Angina Ventolin COPD/Asthma Verapamil PD Angina/Irregular Heartbeat Versed Severe Pain Warfarin PD Blood Thinner Zoladex Prostate or Breast Cancer Zyprexa Antipsychotic BPH - Benign Prostatic Hypertrophy/Benign Enlarged Prostate CHF - Congestive Heart Failure COPD - Chronic Obstructive Pulmonary Disease/Emphysema/Chronic Bronchitis PD - Possible Decline - In most cases, PD means Decline if the applicant has Diabetes + Heart Disease (Question 2B) OR if the client has Coronary Artery Disease + CHF OR + Cardiomyopathy (Question 2G) HTN - Hypertension/High Blood Pressure MS - Multiple Sclerosis If you have any questions, please contact underwriting. 26

32 GUIDESTAR INSURANCE TELEPHONE INTERVIEW The telephone interview is a valuable piece of the underwriting equation which helps to ensure each applicant is classified appropriately UP FRONT. We have strived to remove as much unnecessary questioning as possible in order to provide the most expedient phone interview as possible, while still maintaining the original intent of gathering and verifying applicants health information. The ideal phone interview will last approximately 5-7 minutes, provide you with an approval or decline and will ultimately give you the CERTAINTY OF OUT- COME of knowing you have a done deal when you leave the home. You will also receive a policy # at the conclusion of the phone interview, if the application is approved. *A COPY OF THE SCRIPT IS AVAILABLE IN THE APPENDIX. PLEASE REVIEW THE SCRIPT BEFORE INITIATING THE PHONE INTERVIEW (EPECIALLY IF YOU ARE A NEW AGENT). BASIC STRUCTURE Agent initiates Call to AHL AHL Underwriter obtains pertinent Client info from Agent AHL Underwriter MAY obtain Client s medications from Client AHL Underwriter obtains authorizations from Client AHL Underwriter runs MIB & Script Check AHL Underwriter asks Client 3 Health Questions AHL Underwriter Approves/Declines/or Refers application and provides Agent the Client s policy number TIPS TO EXPEDITE PROCESS 1. Obtain and have client s basic info handy before calling in. Here s what we ll ask for: Client Name: Amount: Height: Weight: Agent Name: Level: Graded: Address, City, St, Zip: Telephone #: SS#: Date of Birth: State of Birth: 2. HAVE THE CLIENTS PRESCRIPTION MEDICATIONS HANDY. We will not ask for these every time but there will be situations where we do ask. Have them ready. 3. Make sure the client knows and understands the questions we re going to ask before calling. This includes the authorizations to obtain medical records and electronic signature, as well as health questions. 4. IF the client is taking a medication on our prescription guide, but you believe they will still qualify level, tell our AHL Underwriter the medication in question and explain why they still qualify for Level/Graded up front. As mentioned previously, AHL s telephone interview is designed to quickly verify health information, and provide the agent with an approval/decline at the point of sale. In the overwhelming majority of cases, this will be possible. However, AHL does reserve the right to refer the case to underwriting in the case where we receive conflicting information from the applicant, MIB, and/or Script Check. 27

33 TELEPHONE INTERVIEW HOURS We conduct telephone inspections on all final expense applications. Home Office Interviews: (800) :45 AM to 8:00 PM (CST), Monday - Thursday 7:45 AM to 4:25 PM (CST), Friday Interviews completed on Friday afternoon after (12:15 CST) will be reviewed by underwriting on the following business day. This means you will not get an approval or decline on Friday afternoons. Spanish Interviews Available: 7:45 AM to 7:00 PM (CST), Monday - Thursday 7:45 AM to 5:00 PM (CST), Friday If you are unable to complete a Point of Sale Telephone interview during available interview hours, you may: 1. Indicate on the Agent remarks portion of the application (pg 3 for most states) that you have not yet completed the Telephone Interview. Also indicate the best time for us to call the client. 2. Have your customer call the Home Office on the following business day to complete the interview. 3. Call the Home Office and ask our interviewer to contact your customer to complete the interview. 28

34 COMPLETING THE APPLICATION CORRECTLY The purpose of this section is to serve as an aid to filling out the application correctly. The most effective way to accomplish this is not to bury you in pages of instructions and details you already know (write the proposed insured s name in the proposed insured box) but instead is to highlight and explain the gray areas of the application where past agents have had questions or made mistakes. Below you will see a screen shot of each application page, and you will notice that certain boxes have red numbers inside or next to them. Beside the screen shot of the application pages you will see the corresponding notes to the highlighted, numbered notes. As always, if you still have questions about how to fill out the application, you can contact your up line, MGA, IMO, marketing or underwriting departments at the home office. Page 0 Application Submission Cover Page (U-ASCP) This form is NOT part of the application but IS required when submitting an application to AHL, regardless of submission method (fax, upload, regular mail). In addition to telling AHL what forms we should be receiving, this form can also serve as legal authorization for AHL to draft the initial premium (if the client accepts), allowing the agent to provide a conditional receipt and AHL to immediately settle commissions. See Premium Payment Options for more detail. Page 1 Client + Policy + Bank Account Info Plan Box Whole Life or Graded Whole Life refers to the Level Plan and Graded refers to the Graded plan Face Amount Box The Face amount of the plan you quoted ($1,000-$35,000) NOT including any optional Accidental Death Rider Amount. 3. ADB Box ADB stands for Accidental Death Benefit. Here we are wanting to know the face amount of ADB you quoted, if any. Typically this amount will match the amount listed in Box #2 (Face Amount Box). Remember ADB is not available on the Graded Plan. 4. Premium Submitted Box The premium sent with the application or premium quoted by the agent. 5. Premium Payment Options See Payment Options section of Application Section Automatic Premium Loan Box The APL feature is a no cost option that allows us to use the existing cash value (if there is any) as payment to keep the policy in force in the event the client misses a payment. This box is typically marked yes Authorization Agreement For Preauthorized Payments Box See Payment Options section of the Application Section.

35 Page 2 Health Information For questions regarding how to fill out the health questions correctly, please see the Underwriting section of the Agent Guide Physician Information Box In this box, if the applicant is 68 or over, we have to have the name of the applicant s physician or the clinic the applicant goes to for treatment. If the client is under age 68 and does not have a doctor, simply write no doctor and proceed as normal. 30

36 Page 3 Authorization To Obtain Information + Agent s Certification + Agent s Remarks 9 AUTHORIZATION TO OBTAIN INFORMATION By this form, I authorize any licensed physician, medical practitioner, clinic, hospital, other medical or medically-related facility, the Veterans Administration, MIB, an employer, consumer reporting agency, any person, organization, other institution or other insurance companies that have records or knowledge about me or any children to be insured (if applicable) to release this information to The American Home Life Insurance Company. This information may be about: (a) employment; (b) occupation; (c) avocations; (d) other insurance coverage; (e) driving record; (f) age; (g) prescription drug usage; (h) any medical history, condition, care or advice relative to the Proposed Insured's physical or mental health; and (i) other personal characteristics. This AUTHORIZATION extends to information on the use of alcohol, drugs and tobacco; and the diagnosis or treatment of HIV ( the virus that causes AIDS) infection or other sexually transmitted disease. I understand that this information will be used by The American Home Life Insurance Company, its representatives or reinsurers in the evaluation of this application to determine eligibility for insurance and/or to investigate claims. The American Home Life Insurance Company or its representatives may release information covered by this AUTHORIZATION to the American Home Agent(s) listed in my application for insurance, to its subsidiaries, reinsurers, the MIB, or other insurance companies. The American Home Life Insurance Company may also release this information to others who I authorize in writing or as allowed by law. This AUTHORIZATION may be used for the period of time allowed by law in the state where the policy is delivered or issued for delivery from the date signed below unless sooner revoked. I may revoke this AUTHORIZATION at any time by notifying The American Home Life Insurance Company in writing at Underwriting Department, The American Home Life Insurance Company, P.O. Box 1497, Topeka, KS My revocation will not be effective to the extent The American Home Life Insurance Company, its reinsurers, or any other person already has disclosed or collected information or taken other action in reliance on the AUTHORIZATION. I understand that my application for insurance will not be considered unless this AUTHORIZATION is signed and dated. The information The American Home Life Insurance Company or its reinsurers obtains through this AUTHORIZATION may become subject to further disclosure, as required by law. I understand that any information that is disclosed pursuant to this AUTHORIZATION is no longer covered by federal rules governing privacy and confi dentiality of health information, but it will not be redisclosed except as authorized by me or as required by law. I agree that a photocopy of this AUTHORIZATION is as valid as the original. I understand that I have the right to receive a copy of this AUTHORIZATION upon request. NOTICE: I have reviewed all answers and responses contained in this application. I certify that all answers and responses contained in this application are true and correct to the best of my knowledge. I UNDERSTAND THAT ANY INCORRECT STATEMENTS, OMISSIONS, OR MISREPRESENTATIONS IN THE APPLICATION WHICH AFFECT THE ACCEPTANCE OF THE RISK OR HAZARD ASSUMED BY THE COMPANY MAY RESULT IN THE LOSS OF COVERAGE AND NONPAYMENT OF DEATH BENEFITS SUBJECT TO THE "INCONTESTABILITY" PROVISION OF THE POLICY. Signed at Proposed Insured (Signature) Date Applicant/Owner (Signature) Agent Agent (Printed) \(Signature) 9 10a Mail Policy To: Agent Insured Owner Any person who knowingly presents a false statement in an application for insurance may be guilty of a criminal offense and subject to penalities under state law. AGENT S CERTIFICATION I hereby certify that, to the best of my knowledge, there is is not existing life insurance and/or annuity contract(s) on the life of the insured. If there is, I have presented and read the applicant a notice regarding replacement, if required by applicable state law. If there is existing coverage, I certify that the insurance hereby applied for will will not replace any existing life insurance or annuity contract. I further certify that: 1) the above answers are full, complete and true to the best of my knowledge; 2) that I know of no factors affecting the insurability of any Proposed Insured except as stated on the application; 3) that the above signatures are those they are represented to be; and 4) that the application was signed by all Proposed Insureds in my presence. Signed at Licensed Agent Date Agent Number Remarks 10 Telephone Interview Completed: Yes No Premium Notices To: Insured Owner AGENT S REMARKS Best Time to Call: AM PM Mail Policy To: Agent Insured Owner Remarks/Requests: ICC15 FEPA 10p 9. Signed At City, State 10. Agent s Remarks Section 10a. Premium Notices To Typically the Insured and Owner are the same, so this is easy. In some cases though, a son or daughter will be the owner and/or payor on their mom or dad s policy. In this case it typically makes more sense to send the premium notices to the owner so they can correct any problems. 10b. Remarks/Requests If there are any special requests or circumstances with this policy, you can indicate them in this section. This could be health info, drafting info, telephone interview info or anything else. 31

37 Page 4 - Company s Copy of the Conditional Receipt Complete if you are collecting a filled out check for immediate payment or requesting immediate draft on the Application Submission Cover Page (U-ASCP). Note that the applicant must sign the U-ASCP form if requesting immediate draft. Page 5 - Owner s Copy of the Conditional Receipt + Owner s Copy of the Authorization to Obtain Info Complete if you are collecting a filled out check for immediate payment or requesting immediate draft on the Application Submission Cover Page (U-ASCP). Note that the applicant must sign the U-ASCP form if requesting immediate draft. Leave with the owner. Page 6 Notices Page (MIB, Credit Reporting, Info Practices) This page contains several notices which are required by law to be presented to the client. There are no signatures required. Page 7 - Accelerated Benefit Rider Summary of Acknowledgement (Return With Application) NOTE: The agent and applicant must sign this page (at the bottom). The ABR page explains the circumstances that AHL will advance the client the death benefit face amount prior to death. Please note there may be state specific variations. To summarize, if the client has (1) a non-correctable medical condition that, with reasonable medical certainty, will result in the death of the Insured within 24 months from the date on which this benefit is requested or (2) permanent and continuous confinement to a nursing home AHL will advance 100% of the death benefit minus the following: (1) An actuarial discount, (2) repayment of a portion of any outstanding policy loan, (3) payment of any premium due within the policy s grace period and unpaid at the time the Accelerated Benefit is approved for payment, (4) an administrative Expense Fee of $150 for each Accelerated Benefit claim. That s the gist of this page. Don t get lost in the detail of the example provided below! Page 8 - Accelerated Benefit Rider Summary of Acknowledgement (Leave With Applicant) Identical to page 7 32

38 PREMIUM PAYMENT OPTIONS The best way to pay for policies is the monthly bank draft method. However, policyholders have flexibility when choosing how to pay for their policies. Policyholders can pay in a variety of modes; monthly, quarterly, semi-annually, and annually or a certain social security dates are all acceptable. In addition, if the policyholder can t pay the initial payment immediately, they can delay the initial payment up to 30 days from the point of approval. MODE (FREQUENCY) OF PAYMENTS Over 95% of GuideStar plans in force at AHL are currently paying by monthly bank draft. This method has proven not only at AHL but throughout the industry to be the most effective payment mode for keeping the business on the books. However, clients do also have the option to pay quarterly, semi-annually, or annually. Simply indicate on the first page of the application how the client prefers to pay (highlighted below). Please note that if the client selects a payment mode other than monthly, we will direct bill the owner of the policy at the address listed (not automatically draft their account). If your client does want us to draft on a mode other than monthly, you need to indicate this on the remarks section of the application. INITIAL VS. RECURRING PAYMENTS There are two dates that are important for drafting purposes. The initial draft date, and the recurring draft date. The initial draft date is the first premium payment the client will make. If the client wants the policy to go into force at the point of sale, thus providing the client immediate coverage, then the agent will need to check the Draft First Premium Immediately box on the U-ASCP page shown below and the client will also sign this. This authorizes AHL to draft the initial premium immediately. The recurring draft date is the date the client wants AHL to draft their accounts from the 2nd payment forward. This may or may not be the same date as the initial payment. You can indicate the recurring draft date on the first page of the application by preferred withdrawal date. (see below). If the initial and preferred recurring draft dates differ, please make sure the recurring draft date is within 7 days before or after the initial draft date in order to avoid drafting twice in a short time period. If this is not possible, the best option may be to delay the intial draft until the recurring draft date. 33

39 SUBMITTING THE APPLICATION METHODS TO SUBMIT APPLICATIONS Once you ve filled out the application and completed the telephone interview, the next and final step is securely submitting the application to the home office. You have a number of options to accomplish this, including fax, uploading through the Agent Zone, and regular mail as a last resort. Do not submit applications to AHL via ; is not considered secure enough to transmit sensitive client information. Note*- Remember to fill out and include the Application Submission Cover Page (U-ASCP) for all applications and all submission methods! Note*- All filled out checks intended for initial payment (not voided) should be mailed to the home office! FAX Agents can submit applications directly and securely to the underwriting department via fax at AGENT ZONE UPLOAD Agents have the option to upload applications directly and securely to the underwriting department via the Agent Zone on AHL s website ( Steps For Successful Upload Include: 1. Scan and Save the Application On Your Computer Desktop as a PDF Document 2. Go to 3. Login to Agent Zone 34

40 4. Click App Upload Tab 5. (1) Enter Client name, (2) click Choose File and window 3 will appear, (3) browse and double click file (PDF only) once the file is double clicked, (4) it will appear beside Choose File below and (5) click Upload PDF to Home Office After the Upload PDF to Home Office is clicked you will receive a confirmation number, which is the policy number. MAIL AHL prefers agents submit applications using one of the electronic applications to help expedite processing of applications, but, in the event this is not possible, the agent also has the option to mail applications directly to the home office. Mail applications to: American Home Life Ins Co 400 S Kansas Ave Topeka, KS

41 COMMISSIONS Commission Payment Frequency Options - AHL has the ability to pay commissions Daily, Weekly, Bi-Monthly, or Monthly. Advances - AHL allows agents to be paid as earned, 50% advance, or up to 75% Advance. 75% Advance is the most common choice. After the policy clears the advance (the 9th month), the agent is paid on the policy on an as earned basis for the remainder of the life of the policy. AHL does not withhold any commissions to cover future cancelations or lapses. Cancelations - AHL defines a cancelation as a policy stops paying within the first 3 months. When a cancelation occurs, AHL s default process is to refund the premiums to the client, and collect the entirety of the advance from future commissions (both renewals and new business commissions) until the balance of the debit is repaid. If the agent wishes to repay the balance of the debit over time, he or she can request a debit balance reimbursement form and we can collect a percentage of future renewal and commissions until the debit balance is repaid. Once the debit balance is repaid, commission payments will automatically resume as normal. Lapses - AHL defines a lapse as a policy which stops paying any time after the 3rd month for any reason with the exception of death. In the event the policy lapses after the 3rd month, but before the policy clears the advance commission (usually the 9th month assuming 75% advance), no premiums are refunded to the policyholder, and the balance of the advance is charged back. In other words, AHL will collect 100% of renewals and new commission until the balance of the outstanding debit balance is collected. If the agent wishes to repay the balance of the debit over time, he or she can request a debit balance reimbursement form and we can collect a percentage of future renewal and commissions until the debit balance is repaid. Once the debit balance is repaid, commission payments will automatically resume as normal. Example - $100 per month policy lapses after 6th month s payment, Agent has 75% advance, 100% First Year Commission. Agents Advance = $900. Number of unpaid months within the advance period equals the number of months unearned commission to be charged back = 9 months 6 months = 3 months. 3 months x $100 Monthly Premium x 100% First Year Commission = $300 debit balance, to be collected from future renewal and first year commission until balance is repaid. Deaths Within The First Year - The unearned portion of the commission will be charged back in the event the insured dies in the first year. If the insured dies due to an accident, there will be no charge back. HOW TO ACCESS YOUR COMMISSION STATEMENT ONLINE Your commission statement is available online at in the Agent Zone. Follow the following steps to view. 36

42 1. Login to Agent Zone at 2. Find and hover over the Reports tab, hover over Agent Reports, then Click Commission Statement. 3. Select the date for the commission statement you would like to run. 4. Once you have the desired date input, click the magnifying glass, and it will generate the report! 37

43 APPLYING FOR ADDITIONAL COVERAGE THE GUIDESTAR DISCOUNT As the old sales saying goes, Your best prospects are your current customers. At AHL, this saying is especially true because we waive the policy fee portion of the monthly premium when they buy additional policies in most situations. This discount gives the policyholder a discount relative to their first purchase, and adds extra incentive to buy from you again. The value of the discount equals $5.25 per month. In order to calculate the new monthly premium, simply subtract $5.25 from the regular monthly premium rate. GUIDESTAR DISCOUNT RULES 1. The GuideStar Discount opportunity is available to insureds of Level plans only. 2. The Face Amount of the new policy must equal or exceed $1,000 face amount. 3. The cumulative amount of new and existing coverage cannot exceed the total allowable maximum for the client s current nearest age. 4. The discount is only available to policyholders who are currently on a monthly bank draft. 5. The new policy s monthly draft date must coincide with the existing policies monthly draft date. 6. The new draft for the new policy must come out of the same bank account as the existing policy. HOW TO APPLY Applying for the discount is easy. You simply need to write GS Discount on the new application when meeting with your existing client. All other application processes are exactly the same as the initial application process. 38

44 REINSTATEMENT - A SPECIAL CONSERVATION OPTION Writing and maintaining a persistent block of business is crucial to ensuring AHL s long-term profitability and providing the agent with reliable future income via renewals. At AHL, we strive to help the agent maintain their block by notifying both the client and the agent by mail that a policy is past due, and also alert the agent on the Agent Zone. We also offer a one-time policy reinstatement option, known as the GuideStar Saver, which allows policyholders of lapsed policies (not canceled) to restart their premiums without paying past missed premiums. THE GUIDESTAR SAVER RULES 1. This is a one-time only per policy option. 2. This option is available to lapses only, not cancelations. a. Reminder - A cancelation is a policy that stops paying before the 3rd premium payment is made. A lapse is a policy that stops paying any time after the 3rd premium payment is made. 3. The policy can have no cash value. 4. The reinstatement must occur within two years of the original policy date. 5. The reinstatement must occur within six months of the policy lapse date. 6. The client must submit the restart premium payment to begin the process. 7. The U-18 Form must be completed and signed by the client and returned to the home office. The U-18 Form is available on the Agent Zone (Forms > Service Forms) or by calling AHL s policy owner service department ( ). a. The U-18 form indicates the client s desire to the reinstate the policy. It also asks the client if they ve had any change in health, occupation, new hazardous hobbies etc. since the time of original application. b. Client s statements in the U-18 shall be contestable for 2 years from the effective date of reinstatement. 39

45 The American Home Life Insurance Company 400 S Kansas Ave Topeka, KS or P.O. Box 1497 Topeka, KS CONTACT INFORMATION Main Line Local Line P.O.S. Line Interview Line FAXES: Accounting Marketing Policyowner Service Supplies Underwriting DIRECTORY LIST: Steven S. Lobell, CLU - President and Chief Executive Officer Les E. Diehl, J.D. - Sr Vice President - Secretary and General Counsel Tom D. Morris - Sr Vice President - Marketing Tom Lobell - Vice President - Marketing Donald J. Smith, FLMI, CLU, ChFC - Vice President - Marketing Services CURRENT AREA OF OPERATION: AHL licensed in all of the Blue States. 40

46

47 APPENDIX 41

48 PRE-CALCULATED MONTHLY RATE SHEET WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level Female Non-Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $7.33 $9.40 $11.48 $13.56 $15.63 $17.71 $19.78 $21.86 $23.94 $26.01 $28.09 $30.17 $32.24 $34.32 $36.40 $41.59 $46.78 $51.97 $57.16 $67.54 $ $7.42 $9.59 $11.75 $13.92 $16.09 $18.26 $20.43 $22.60 $24.76 $26.93 $29.10 $31.27 $33.44 $35.61 $37.77 $43.19 $48.62 $54.04 $59.46 $70.30 $ $7.51 $9.77 $12.03 $14.29 $16.56 $18.82 $21.08 $23.34 $25.60 $27.86 $30.12 $32.38 $34.64 $36.90 $39.17 $44.82 $50.47 $56.12 $61.78 $73.08 $ $7.60 $9.96 $12.31 $14.67 $17.02 $19.38 $21.73 $24.09 $26.44 $28.80 $31.15 $33.51 $35.86 $38.21 $40.57 $46.46 $52.34 $58.23 $64.12 $75.89 $ $7.70 $10.15 $12.61 $15.06 $17.51 $19.96 $22.41 $24.86 $27.32 $29.77 $32.22 $34.67 $37.12 $39.57 $42.03 $48.16 $54.29 $60.41 $66.54 $78.80 $ $7.81 $10.36 $12.92 $15.47 $18.03 $20.58 $23.14 $25.69 $28.25 $30.80 $33.36 $35.91 $38.47 $41.02 $43.58 $49.96 $56.35 $62.74 $69.13 $81.90 $ $7.90 $10.56 $13.21 $15.87 $18.52 $21.18 $23.83 $26.49 $29.14 $31.80 $34.45 $37.11 $39.76 $42.42 $45.07 $51.71 $58.35 $64.98 $71.62 $84.89 $ $8.02 $10.78 $13.55 $16.31 $19.08 $21.84 $24.61 $27.37 $30.14 $32.90 $35.67 $38.43 $41.20 $43.96 $46.73 $53.64 $60.55 $67.46 $74.38 $88.20 $ $8.14 $11.03 $13.91 $16.80 $19.69 $22.58 $25.46 $28.35 $31.24 $34.13 $37.01 $39.90 $42.79 $45.68 $48.56 $55.78 $63.00 $70.22 $77.44 $91.88 $ $8.27 $11.29 $14.31 $17.34 $20.36 $23.38 $26.40 $29.42 $32.44 $35.46 $38.49 $41.51 $44.53 $47.55 $50.57 $58.12 $65.68 $73.23 $80.78 $95.89 $ $8.41 $11.57 $14.74 $17.90 $21.06 $24.22 $27.39 $30.55 $33.71 $36.87 $40.03 $43.20 $46.36 $49.52 $52.68 $60.59 $68.50 $76.40 $84.31 $ $ $8.57 $11.90 $15.22 $18.54 $21.87 $25.19 $28.51 $31.84 $35.16 $38.48 $41.81 $45.13 $48.45 $51.78 $55.10 $63.41 $71.72 $80.02 $88.33 $ $ $8.74 $12.23 $15.72 $19.21 $22.70 $26.19 $29.68 $33.17 $36.66 $40.15 $43.63 $47.12 $50.61 $54.10 $57.59 $66.32 $75.04 $83.76 $92.49 $ $ $8.91 $12.57 $16.22 $19.88 $23.54 $27.20 $30.85 $34.51 $38.17 $41.83 $45.48 $49.14 $52.80 $56.46 $60.11 $69.26 $78.40 $87.54 $96.69 $ $ $9.08 $12.91 $16.74 $20.57 $24.40 $28.22 $32.05 $35.88 $39.71 $43.54 $47.37 $51.20 $55.03 $58.86 $62.69 $72.26 $81.83 $91.40 $ $ $ $9.26 $13.27 $17.28 $21.28 $25.29 $29.30 $33.31 $37.32 $41.33 $45.33 $49.34 $53.35 $57.36 $61.37 $65.38 $75.40 $85.42 $95.44 $ $ $ $9.45 $13.65 $17.85 $22.05 $26.25 $30.44 $34.64 $38.84 $43.04 $47.24 $51.44 $55.64 $59.84 $64.04 $68.24 $78.73 $89.23 $99.73 $ $ $ $9.66 $14.07 $18.47 $22.88 $27.29 $31.70 $36.11 $40.52 $44.92 $49.33 $53.74 $58.15 $62.56 $66.97 $71.37 $82.39 $93.42 $ $ $ $ $9.89 $14.54 $19.18 $23.82 $28.46 $33.11 $37.75 $42.39 $47.03 $51.68 $56.32 $60.96 $65.61 $70.25 $74.89 $86.50 $98.11 $ $ $ $ $10.16 $15.07 $19.99 $24.90 $29.81 $34.72 $39.64 $44.55 $49.46 $54.37 $59.28 $64.20 $69.11 $74.02 $78.93 $91.21 $ $ $ $ $ $10.47 $15.69 $20.91 $26.13 $31.35 $36.57 $41.79 $47.01 $52.23 $57.45 $62.67 $67.89 $73.11 $78.33 $83.55 $96.60 $ $ $ $ $ $10.80 $16.35 $21.90 $27.45 $33.01 $38.56 $44.11 $49.66 $55.21 $60.76 $66.31 $71.86 $77.41 $82.96 $88.52 $ $ $ $ $ $ $11.17 $17.09 $23.01 $28.93 $34.86 $40.78 $46.70 $52.62 $58.54 $64.46 $70.38 $76.30 $82.22 $88.15 $94.07 $ $ $ $ $ $ $11.58 $17.91 $24.24 $30.57 $36.90 $43.23 $49.56 $55.90 $62.23 $68.56 $74.89 $81.22 $87.55 $93.88 $ $ $ $ $ $ $ $12.03 $18.80 $25.58 $32.36 $39.13 $45.91 $52.69 $59.47 $66.24 $73.02 $79.80 $86.57 $93.35 $ $ $ $ $ $ $ $ $12.51 $19.76 $27.02 $34.28 $41.54 $48.79 $56.05 $63.31 $70.57 $77.82 $85.08 $92.34 $99.59 $ $ $ $ $ $ $ $ $13.01 $20.78 $28.54 $36.31 $44.07 $51.84 $59.60 $67.37 $75.13 $82.90 $90.66 $98.43 $ $ $ N/A N/A N/A N/A N/A N/A $13.54 $21.83 $30.12 $38.41 $46.69 $54.98 $63.27 $71.56 $79.85 $88.14 $96.43 $ $ $ $ N/A N/A N/A N/A N/A N/A $14.07 $22.90 $31.72 $40.54 $49.37 $58.19 $67.01 $75.84 $84.66 $93.49 $ $ $ $ $ N/A N/A N/A N/A N/A N/A $14.61 $23.98 $33.34 $42.70 $52.06 $61.43 $70.79 $80.15 $89.51 $98.88 $ $ $ $ $ N/A N/A N/A N/A N/A N/A $15.16 $25.06 $34.97 $44.87 $54.78 $64.69 $74.59 $84.50 $94.40 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $15.74 $26.23 $36.72 $47.21 $57.70 $68.19 $78.68 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $16.35 $27.44 $38.54 $49.63 $60.73 $71.83 $82.92 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $16.98 $28.71 $40.44 $52.17 $63.91 $75.64 $87.37 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $17.65 $30.06 $42.46 $54.87 $67.27 $79.68 $92.08 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $18.38 $31.51 $44.64 $57.77 $70.90 $84.03 $97.16 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 42

49 PRE-CALCULATED MONTHLY RATE SHEETS WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level Female Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $8.67 $12.10 $15.52 $18.95 $22.37 $25.80 $29.22 $32.65 $36.07 $39.50 $42.92 $46.35 $49.77 $53.20 $56.62 $65.18 $73.75 $82.31 $90.87 $ $ $8.91 $12.58 $16.24 $19.90 $23.56 $27.23 $30.89 $34.55 $38.21 $41.88 $45.54 $49.20 $52.87 $56.53 $60.19 $69.35 $78.51 $87.66 $96.82 $ $ $9.15 $13.05 $16.95 $20.85 $24.75 $28.65 $32.56 $36.46 $40.36 $44.26 $48.16 $52.06 $55.96 $59.86 $63.76 $73.51 $83.27 $93.02 $ $ $ $9.39 $13.53 $17.67 $21.81 $25.95 $30.09 $34.23 $38.37 $42.51 $46.66 $50.80 $54.94 $59.08 $63.22 $67.36 $77.71 $88.06 $98.41 $ $ $ $9.63 $14.01 $18.40 $22.78 $27.16 $31.54 $35.92 $40.31 $44.69 $49.07 $53.45 $57.83 $62.22 $66.60 $70.98 $81.94 $92.89 $ $ $ $ $9.88 $14.51 $19.14 $23.77 $28.39 $33.02 $37.65 $42.28 $46.91 $51.54 $56.17 $60.80 $65.42 $70.05 $74.68 $86.25 $97.83 $ $ $ $ $10.12 $14.98 $19.85 $24.71 $29.58 $34.45 $39.31 $44.18 $49.04 $53.91 $58.77 $63.64 $68.51 $73.37 $78.24 $90.40 $ $ $ $ $ $10.36 $15.48 $20.59 $25.71 $30.82 $35.94 $41.05 $46.17 $51.28 $56.39 $61.51 $66.62 $71.74 $76.85 $81.97 $94.75 $ $ $ $ $ $10.63 $16.01 $21.38 $26.76 $32.14 $37.52 $42.89 $48.27 $53.65 $59.03 $64.41 $69.78 $75.16 $80.54 $85.92 $99.36 $ $ $ $ $ $10.91 $16.57 $22.23 $27.89 $33.55 $39.21 $44.87 $50.53 $56.19 $61.85 $67.50 $73.16 $78.82 $84.48 $90.14 $ $ $ $ $ $ $11.21 $17.18 $23.14 $29.10 $35.07 $41.03 $46.99 $52.96 $58.92 $64.88 $70.84 $76.81 $82.77 $88.73 $94.70 $ $ $ $ $ $ $11.56 $17.86 $24.17 $30.48 $36.79 $43.09 $49.40 $55.71 $62.01 $68.32 $74.63 $80.93 $87.24 $93.55 $99.86 $ $ $ $ $ $ $11.92 $18.58 $25.25 $31.91 $38.58 $45.24 $51.91 $58.58 $65.24 $71.91 $78.57 $85.24 $91.90 $98.57 $ $ $ $ $ $ $ $12.29 $19.33 $26.37 $33.40 $40.44 $47.48 $54.52 $61.56 $68.60 $75.64 $82.67 $89.71 $96.75 $ $ $ $ $ $ $ $ $12.67 $20.10 $27.52 $34.95 $42.37 $49.80 $57.22 $64.65 $72.07 $79.49 $86.92 $94.34 $ $ $ $ $ $ $ $ $ $13.08 $20.91 $28.73 $36.56 $44.39 $52.22 $60.04 $67.87 $75.70 $83.53 $91.36 $99.18 $ $ $ $ $ $ $ $ $ $13.50 $21.74 $29.99 $38.23 $46.48 $54.72 $62.97 $71.21 $79.46 $87.70 $95.95 $ $ $ $ $ $ $ $ $ $ $13.93 $22.60 $31.28 $39.96 $48.63 $57.31 $65.99 $74.66 $83.34 $92.02 $ $ $ $ $ $ $ $ $ $ $ $14.37 $23.49 $32.61 $41.73 $50.86 $59.98 $69.10 $78.22 $87.34 $96.46 $ $ $ $ $ $ $ $ $ $ $ $14.83 $24.42 $34.00 $43.58 $53.17 $62.75 $72.33 $81.91 $91.50 $ $ $ $ $ $ $ $ $ $ $ $ $15.32 $25.38 $35.45 $45.51 $55.58 $65.65 $75.71 $85.78 $95.84 $ $ $ $ $ $ $ $ $ $ $ $ $15.75 $26.25 $36.76 $47.26 $57.76 $68.26 $78.76 $89.26 $99.77 $ $ $ $ $ $ $ $ $ $ $ $ $16.21 $27.17 $38.13 $49.09 $60.05 $71.01 $81.97 $92.93 $ $ $ $ $ $ $ $ $ $ $ $ $ $16.70 $28.15 $39.59 $51.04 $62.49 $73.94 $85.38 $96.83 $ $ $ $ $ $ $ $ $ $ $ $ $ $17.22 $29.20 $41.17 $53.14 $65.11 $77.09 $89.06 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $17.79 $30.33 $42.88 $55.42 $67.96 $80.50 $93.05 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $18.41 $31.57 $44.73 $57.89 $71.05 $84.20 $97.36 $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $19.09 $32.92 $46.76 $60.59 $74.43 $88.26 $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $19.81 $34.37 $48.93 $63.49 $78.05 $92.62 $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $20.59 $35.92 $51.26 $66.60 $81.94 $97.27 $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $21.39 $37.53 $53.67 $69.81 $85.96 $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $22.30 $39.35 $56.40 $73.45 $90.51 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $23.16 $41.08 $58.99 $76.90 $94.82 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $23.92 $42.60 $61.27 $79.95 $98.62 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $24.53 $43.81 $63.08 $82.36 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $24.92 $44.58 $64.25 $83.91 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 43

50 PRE-CALCULATED MONTHLY RATE SHEETS WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level Male Non-Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $8.22 $11.19 $14.16 $17.14 $20.11 $23.08 $26.05 $29.02 $31.99 $34.97 $37.94 $40.91 $43.88 $46.85 $49.82 $57.25 $64.68 $72.11 $79.54 $94.40 $ $8.51 $11.78 $15.04 $18.31 $21.57 $24.84 $28.10 $31.37 $34.63 $37.90 $41.16 $44.43 $47.69 $50.95 $54.22 $62.38 $70.54 $78.70 $86.87 $ $ $8.78 $12.30 $15.83 $19.35 $22.88 $26.40 $29.93 $33.45 $36.98 $40.50 $44.03 $47.55 $51.08 $54.61 $58.13 $66.94 $75.76 $84.57 $93.38 $ $ $9.01 $12.76 $16.52 $20.28 $24.04 $27.79 $31.55 $35.31 $39.07 $42.82 $46.58 $50.34 $54.09 $57.85 $61.61 $71.00 $80.40 $89.79 $99.18 $ $ $9.22 $13.19 $17.16 $21.14 $25.11 $29.08 $33.05 $37.02 $40.99 $44.97 $48.94 $52.91 $56.88 $60.85 $64.82 $74.75 $84.68 $94.61 $ $ $ $9.42 $13.59 $17.75 $21.92 $26.09 $30.26 $34.42 $38.59 $42.76 $46.93 $51.09 $55.26 $59.43 $63.60 $67.76 $78.18 $88.60 $99.02 $ $ $ $9.57 $13.89 $18.21 $22.54 $26.86 $31.18 $35.50 $39.82 $44.14 $48.47 $52.79 $57.11 $61.43 $65.75 $70.07 $80.88 $91.68 $ $ $ $ $9.70 $14.15 $18.59 $23.04 $27.49 $31.94 $36.38 $40.83 $45.28 $49.73 $54.17 $58.62 $63.07 $67.52 $71.96 $83.08 $94.20 $ $ $ $ $9.80 $14.36 $18.91 $23.47 $28.02 $32.58 $37.13 $41.69 $46.24 $50.79 $55.35 $59.90 $64.46 $69.01 $73.57 $84.95 $96.34 $ $ $ $ $9.89 $14.53 $19.17 $23.81 $28.46 $33.10 $37.74 $42.38 $47.02 $51.66 $56.30 $60.94 $65.58 $70.22 $74.87 $86.47 $98.07 $ $ $ $ $9.96 $14.68 $19.39 $24.11 $28.82 $33.54 $38.25 $42.97 $47.68 $52.40 $57.11 $61.82 $66.54 $71.25 $75.97 $87.75 $99.54 $ $ $ $ $10.06 $14.86 $19.67 $24.48 $29.28 $34.09 $38.89 $43.70 $48.51 $53.31 $58.12 $62.93 $67.73 $72.54 $77.35 $89.36 $ $ $ $ $ $10.15 $15.05 $19.95 $24.85 $29.75 $34.64 $39.54 $44.44 $49.34 $54.24 $59.14 $64.04 $68.94 $73.84 $78.74 $90.98 $ $ $ $ $ $10.24 $15.23 $20.22 $25.21 $30.20 $35.19 $40.18 $45.17 $50.16 $55.15 $60.14 $65.13 $70.12 $75.11 $80.10 $92.58 $ $ $ $ $ $10.35 $15.44 $20.54 $25.63 $30.73 $35.83 $40.92 $46.02 $51.11 $56.21 $61.31 $66.40 $71.50 $76.59 $81.69 $94.43 $ $ $ $ $ $10.47 $15.70 $20.92 $26.15 $31.37 $36.59 $41.82 $47.04 $52.26 $57.49 $62.71 $67.94 $73.16 $78.38 $83.61 $96.67 $ $ $ $ $ $10.67 $16.09 $21.51 $26.94 $32.36 $37.78 $43.20 $48.62 $54.04 $59.47 $64.89 $70.31 $75.73 $81.15 $86.57 $ $ $ $ $ $ $10.96 $16.67 $22.38 $28.09 $33.80 $39.51 $45.22 $50.93 $56.64 $62.35 $68.06 $73.77 $79.48 $85.19 $90.90 $ $ $ $ $ $ $11.34 $17.43 $23.52 $29.61 $35.70 $41.79 $47.88 $53.97 $60.06 $66.15 $72.24 $78.33 $84.42 $90.51 $96.60 $ $ $ $ $ $ $11.79 $18.33 $24.87 $31.41 $37.95 $44.49 $51.03 $57.57 $64.11 $70.65 $77.19 $83.73 $90.27 $96.81 $ $ $ $ $ $ $ $12.29 $19.34 $26.38 $33.43 $40.47 $47.51 $54.56 $61.60 $68.64 $75.69 $82.73 $89.78 $96.82 $ $ $ $ $ $ $ $ $12.81 $20.36 $27.92 $35.48 $43.03 $50.59 $58.15 $65.70 $73.26 $80.82 $88.37 $95.93 $ $ $ $ $ $ $ $ $ $13.34 $21.42 $29.51 $37.60 $45.68 $53.77 $61.86 $69.94 $78.03 $86.12 $94.20 $ $ $ $ $ $ $ $ $ $ $13.88 $22.52 $31.15 $39.79 $48.42 $57.06 $65.69 $74.33 $82.96 $91.60 $ $ $ $ $ $ $ $ $ $ $ $14.45 $23.65 $32.85 $42.05 $51.24 $60.44 $69.64 $78.84 $88.04 $97.24 $ $ $ $ $ $ $ $ $ $ $ $15.05 $24.86 $34.66 $44.46 $54.26 $64.07 $73.87 $83.67 $93.47 $ $ $ $ $ $ $ $ $ $ $ $ $15.69 $26.14 $36.58 $47.03 $57.47 $67.92 $78.36 $88.81 $99.25 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $16.40 $27.55 $38.69 $49.84 $60.99 $72.14 $83.28 $94.43 $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $17.16 $29.07 $40.98 $52.89 $64.79 $76.70 $88.61 $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $17.97 $30.68 $43.40 $56.11 $68.83 $81.54 $94.26 $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $18.80 $32.35 $45.90 $59.45 $73.00 $86.55 $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $19.72 $34.20 $48.67 $63.14 $77.61 $92.09 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $20.67 $36.09 $51.50 $66.92 $82.34 $97.76 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $21.63 $38.01 $54.39 $70.77 $87.15 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $22.61 $39.97 $57.33 $74.69 $92.05 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $23.60 $41.96 $60.31 $78.66 $97.02 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 44

51 PRE-CALCULATED MONTHLY RATE SHEETS WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level Male Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $9.61 $13.98 $18.34 $22.70 $27.07 $31.43 $35.80 $40.16 $44.52 $48.89 $53.25 $57.61 $61.98 $66.34 $70.70 $81.61 $92.52 $ $ $ $ $9.84 $14.43 $19.02 $23.61 $28.21 $32.80 $37.39 $41.98 $46.57 $51.16 $55.75 $60.34 $64.93 $69.53 $74.12 $85.59 $97.07 $ $ $ $ $10.08 $14.90 $19.73 $24.55 $29.38 $34.20 $39.03 $43.86 $48.68 $53.51 $58.33 $63.16 $67.98 $72.81 $77.63 $89.70 $ $ $ $ $ $10.32 $15.39 $20.47 $25.54 $30.61 $35.68 $40.76 $45.83 $50.90 $55.97 $61.05 $66.12 $71.19 $76.26 $81.34 $94.02 $ $ $ $ $ $10.58 $15.91 $21.25 $26.58 $31.91 $37.24 $42.58 $47.91 $53.24 $58.57 $63.90 $69.24 $74.57 $79.90 $85.23 $98.56 $ $ $ $ $ $10.86 $16.47 $22.08 $27.69 $33.30 $38.91 $44.52 $50.13 $55.74 $61.35 $66.96 $72.57 $78.18 $83.78 $89.39 $ $ $ $ $ $ $11.14 $17.02 $22.91 $28.79 $34.68 $40.56 $46.45 $52.33 $58.22 $64.10 $69.99 $75.87 $81.76 $87.64 $93.53 $ $ $ $ $ $ $11.43 $17.61 $23.80 $29.98 $36.16 $42.34 $48.52 $54.71 $60.89 $67.07 $73.25 $79.43 $85.61 $91.80 $97.98 $ $ $ $ $ $ $11.75 $18.25 $24.76 $31.26 $37.76 $44.26 $50.76 $57.27 $63.77 $70.27 $76.77 $83.28 $89.78 $96.28 $ $ $ $ $ $ $ $12.10 $18.95 $25.79 $32.64 $39.49 $46.34 $53.18 $60.03 $66.88 $73.73 $80.58 $87.42 $94.27 $ $ $ $ $ $ $ $ $12.47 $19.69 $26.91 $34.13 $41.35 $48.57 $55.79 $63.01 $70.23 $77.45 $84.67 $91.89 $99.11 $ $ $ $ $ $ $ $ $12.83 $20.42 $28.00 $35.58 $43.16 $50.75 $58.33 $65.91 $73.49 $81.08 $88.66 $96.24 $ $ $ $ $ $ $ $ $ $13.22 $21.19 $29.15 $37.12 $45.09 $53.06 $61.02 $68.99 $76.96 $84.93 $92.90 $ $ $ $ $ $ $ $ $ $ $13.63 $22.01 $30.38 $38.76 $47.14 $55.52 $63.90 $72.28 $80.65 $89.03 $97.41 $ $ $ $ $ $ $ $ $ $ $14.07 $22.88 $31.70 $40.51 $49.33 $58.14 $66.96 $75.78 $84.59 $93.41 $ $ $ $ $ $ $ $ $ $ $ $14.54 $23.82 $33.11 $42.40 $51.69 $60.97 $70.26 $79.55 $88.84 $98.12 $ $ $ $ $ $ $ $ $ $ $ $15.05 $24.86 $34.66 $44.46 $54.27 $64.07 $73.87 $83.68 $93.48 $ $ $ $ $ $ $ $ $ $ $ $ $15.62 $25.99 $36.36 $46.73 $57.10 $67.47 $77.84 $88.21 $98.58 $ $ $ $ $ $ $ $ $ $ $ $ $16.24 $27.24 $38.23 $49.22 $60.21 $71.21 $82.20 $93.19 $ $ $ $ $ $ $ $ $ $ $ $ $ $16.93 $28.60 $40.28 $51.96 $63.63 $75.31 $86.99 $98.67 $ $ $ $ $ $ $ $ $ $ $ $ $ $17.68 $30.11 $42.54 $54.97 $67.40 $79.83 $92.26 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $18.52 $31.79 $45.06 $58.33 $71.61 $84.88 $98.15 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $19.43 $33.61 $47.80 $61.98 $76.16 $90.34 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $20.41 $35.57 $50.73 $65.89 $81.05 $96.21 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $21.45 $37.65 $53.85 $70.05 $86.24 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $22.54 $39.84 $57.13 $74.42 $91.72 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $23.80 $42.36 $60.91 $79.46 $98.01 $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $25.12 $44.99 $64.86 $84.72 $ $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $26.48 $47.71 $68.94 $90.17 $ $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $27.88 $50.52 $73.15 $95.78 $ $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $29.31 $53.38 $77.44 $ $ $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A $30.77 $56.30 $81.82 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $32.24 $59.22 $86.21 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $33.68 $62.10 $90.53 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $35.09 $64.92 $94.76 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $36.44 $67.63 $98.82 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 45

52 PRE-CALCULATED MONTHLY RATE SHEETS WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Graded Female Non-Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $8.81 $12.36 $15.92 $19.47 $23.03 $26.58 $30.14 $33.69 $37.25 $40.80 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $9.01 $12.77 $16.53 $20.29 $24.05 $27.81 $31.58 $35.34 $39.10 $42.86 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $9.22 $13.18 $17.15 $21.12 $25.09 $29.05 $33.02 $36.99 $40.96 $44.92 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $9.42 $13.60 $17.77 $21.94 $26.11 $30.29 $34.46 $38.63 $42.81 $46.98 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $9.63 $14.01 $18.39 $22.77 $27.15 $31.53 $35.91 $40.29 $44.66 $49.04 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $9.83 $14.42 $19.00 $23.59 $28.17 $32.75 $37.34 $41.92 $46.51 $51.09 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $10.02 $14.78 $19.55 $24.31 $29.08 $33.85 $38.61 $43.38 $48.15 $52.91 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $10.19 $15.13 $20.08 $25.02 $29.96 $34.90 $39.84 $44.79 $49.73 $54.67 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $10.36 $15.48 $20.59 $25.70 $30.81 $35.93 $41.04 $46.15 $51.26 $56.38 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $10.53 $15.81 $21.09 $26.37 $31.65 $36.93 $42.21 $47.50 $52.78 $58.06 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $10.70 $16.15 $21.60 $27.06 $32.51 $37.96 $43.41 $48.86 $54.31 $59.76 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $10.91 $16.57 $22.22 $27.88 $33.54 $39.20 $44.85 $50.51 $56.17 $61.83 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $11.14 $17.02 $22.91 $28.79 $34.68 $40.57 $46.45 $52.34 $58.23 $64.11 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $11.39 $17.54 $23.68 $29.82 $35.96 $42.11 $48.25 $54.39 $60.53 $66.68 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $11.69 $18.12 $24.56 $30.99 $37.43 $43.86 $50.30 $56.74 $63.17 $69.61 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.02 $18.80 $25.57 $32.35 $39.12 $45.90 $52.67 $59.44 $66.22 $72.99 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.41 $19.58 $26.74 $33.91 $41.07 $48.24 $55.40 $62.57 $69.73 $76.90 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.86 $20.47 $28.08 $35.69 $43.30 $50.91 $58.52 $66.13 $73.74 $81.35 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.36 $21.47 $29.59 $37.70 $45.81 $53.92 $62.03 $70.15 $78.26 $86.37 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.90 $22.55 $31.19 $39.84 $48.49 $57.14 $65.78 $74.43 $83.08 $91.73 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.40 $23.54 $32.69 $41.83 $50.98 $60.12 $69.27 $78.41 $87.56 $96.71 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.93 $24.62 $34.30 $43.98 $53.67 $63.35 $73.04 $82.72 $92.40 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $15.51 $25.78 $36.04 $46.31 $56.57 $66.84 $77.10 $87.37 $97.63 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $16.14 $27.04 $37.93 $48.82 $59.71 $70.61 $81.50 $92.39 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $16.82 $28.40 $39.97 $51.54 $63.12 $74.69 $86.27 $97.84 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $17.56 $29.87 $42.18 $54.50 $66.81 $79.12 $91.43 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $18.32 $31.39 $44.46 $57.53 $70.60 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $19.19 $33.12 $47.06 $60.99 $74.93 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $20.21 $35.16 $50.12 $65.08 $80.04 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $21.45 $37.65 $53.85 $70.06 $86.26 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $23.00 $40.76 $58.51 $76.27 $94.02 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 46

53 PRE-CALCULATED MONTHLY RATE SHEETS WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Graded Female Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $11.43 $17.61 $23.79 $29.97 $36.15 $42.33 $48.51 $54.69 $60.87 $67.05 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $11.90 $18.55 $25.21 $31.86 $38.51 $45.16 $51.81 $58.46 $65.12 $71.77 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.36 $19.47 $26.58 $33.68 $40.79 $47.90 $55.01 $62.12 $69.23 $76.34 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.80 $20.35 $27.89 $35.44 $42.99 $50.54 $58.08 $65.63 $73.18 $80.73 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.22 $21.19 $29.17 $37.14 $45.11 $53.08 $61.05 $69.03 $77.00 $84.97 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.64 $22.03 $30.42 $38.82 $47.21 $55.60 $63.99 $72.38 $80.77 $89.16 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.08 $22.91 $31.74 $40.57 $49.40 $58.23 $67.06 $75.89 $84.72 $93.55 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.52 $23.79 $33.07 $42.34 $51.61 $60.88 $70.16 $79.43 $88.70 $97.97 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.98 $24.70 $34.43 $44.16 $53.89 $63.61 $73.34 $83.07 $92.80 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $15.46 $25.67 $35.88 $46.09 $56.30 $66.51 $76.72 $86.93 $97.14 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $15.97 $26.69 $37.41 $48.14 $58.86 $69.58 $80.30 $91.02 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $16.67 $28.09 $39.51 $50.93 $62.34 $73.76 $85.18 $96.60 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $17.38 $29.52 $41.65 $53.78 $65.91 $78.05 $90.18 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $18.10 $30.95 $43.80 $56.65 $69.51 $82.36 $95.21 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $18.82 $32.39 $45.95 $59.52 $73.09 $86.66 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $19.54 $33.83 $48.12 $62.41 $76.70 $90.99 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $20.26 $35.27 $50.28 $65.30 $80.31 $95.32 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $20.99 $36.73 $52.47 $68.21 $83.95 $99.69 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $21.73 $38.21 $54.70 $71.18 $87.66 $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $22.50 $39.75 $57.00 $74.26 $91.51 $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $23.31 $41.36 $59.42 $77.47 $95.53 $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $24.12 $42.98 $61.85 $80.71 $99.58 $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $24.90 $44.56 $64.21 $83.86 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $25.69 $46.13 $66.56 $87.00 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $26.52 $47.79 $69.06 $90.32 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $27.46 $49.67 $71.88 $94.09 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $28.29 $51.32 $74.36 $97.40 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $29.43 $53.61 $77.78 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $31.05 $56.85 $82.65 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $33.39 $61.53 $89.67 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $36.66 $68.07 $99.48 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 47

54 PRE-CALCULATED MONTHLY RATE SHEETS WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Graded Male Non-Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $10.13 $15.00 $19.88 $24.75 $29.63 $34.50 $39.38 $44.25 $49.13 $54.01 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $10.71 $16.17 $21.62 $27.08 $32.54 $38.00 $43.46 $48.92 $54.37 $59.83 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $11.29 $17.33 $23.38 $29.42 $35.46 $41.50 $47.54 $53.59 $59.63 $65.67 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $11.78 $18.31 $24.83 $31.36 $37.89 $44.42 $50.94 $57.47 $64.00 $70.53 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.21 $19.18 $26.14 $33.11 $40.07 $47.03 $54.00 $60.96 $67.93 $74.89 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.55 $19.85 $27.16 $34.46 $41.76 $49.06 $56.36 $63.67 $70.97 $78.27 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.79 $20.32 $27.86 $35.40 $42.93 $50.47 $58.00 $65.54 $73.08 $80.61 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.96 $20.67 $28.38 $36.09 $43.80 $51.51 $59.22 $66.93 $74.64 $82.36 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.08 $20.91 $28.74 $36.56 $44.39 $52.22 $60.05 $67.88 $75.71 $83.54 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.15 $21.04 $28.94 $36.83 $44.73 $52.62 $60.52 $68.41 $76.31 $84.20 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.16 $21.08 $28.99 $36.91 $44.82 $52.74 $60.65 $68.57 $76.48 $84.39 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.18 $21.11 $29.05 $36.98 $44.91 $52.84 $60.77 $68.71 $76.64 $84.57 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.19 $21.13 $29.07 $37.01 $44.95 $52.89 $60.83 $68.77 $76.71 $84.65 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.22 $21.20 $29.17 $37.15 $45.12 $53.09 $61.07 $69.04 $77.01 $84.99 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.33 $21.40 $29.48 $37.55 $45.63 $53.70 $61.78 $69.85 $77.93 $86.00 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.54 $21.83 $30.13 $38.42 $46.71 $55.00 $63.30 $71.59 $79.88 $88.17 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.91 $22.57 $31.23 $39.89 $48.55 $57.21 $65.87 $74.53 $83.19 $91.85 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.44 $23.62 $32.81 $41.99 $51.18 $60.36 $69.55 $78.74 $87.92 $97.11 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $15.11 $24.96 $34.82 $44.68 $54.53 $64.39 $74.25 $84.11 $93.96 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $15.84 $26.42 $37.01 $47.60 $58.18 $68.77 $79.36 $89.94 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $16.49 $27.73 $38.97 $50.21 $61.45 $72.69 $83.93 $95.17 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $17.23 $29.21 $41.19 $53.17 $65.15 $77.13 $89.11 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $18.03 $30.81 $43.59 $56.37 $69.16 $81.94 $94.72 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $18.90 $32.54 $46.19 $59.83 $73.48 $87.12 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $19.84 $34.43 $49.01 $63.60 $78.19 $92.78 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $20.87 $36.48 $52.10 $67.71 $83.33 $98.94 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $21.88 $38.51 $55.14 $71.77 $88.40 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $23.02 $40.79 $58.56 $76.33 $94.10 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $24.30 $43.34 $62.39 $81.43 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $25.73 $46.20 $66.68 $87.15 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $27.32 $49.38 $71.45 $93.51 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 48

55 PRE-CALCULATED MONTHLY RATE SHEETS WITHOUT ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Graded Male Smoker (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $12.41 $19.57 $26.73 $33.88 $41.04 $48.20 $55.36 $62.52 $69.68 $76.83 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $12.83 $20.41 $27.99 $35.57 $43.15 $50.73 $58.31 $65.89 $73.47 $81.05 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.24 $21.24 $29.23 $37.23 $45.22 $53.22 $61.21 $69.21 $77.20 $85.20 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $13.66 $22.06 $30.47 $38.87 $47.28 $55.69 $64.09 $72.50 $80.91 $89.31 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.07 $22.89 $31.71 $40.53 $49.35 $58.16 $66.98 $75.80 $84.62 $93.44 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.50 $23.74 $32.99 $42.23 $51.48 $60.72 $69.97 $79.21 $88.46 $97.70 N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $14.96 $24.67 $34.37 $44.08 $53.79 $63.50 $73.21 $82.92 $92.62 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $15.44 $25.63 $35.82 $46.00 $56.19 $66.38 $76.57 $86.76 $96.95 $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $15.94 $26.63 $37.32 $48.02 $58.71 $69.40 $80.09 $90.78 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $16.48 $27.71 $38.94 $50.17 $61.40 $72.63 $83.86 $95.09 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $17.05 $28.85 $40.65 $52.45 $64.25 $76.05 $87.85 $99.65 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $17.73 $30.21 $42.69 $55.17 $67.65 $80.13 $92.61 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $18.43 $31.62 $44.80 $57.99 $71.17 $84.36 $97.54 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $19.16 $33.06 $46.97 $60.88 $74.78 $88.69 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $19.90 $34.54 $49.19 $63.83 $78.48 $93.12 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $20.66 $36.07 $51.49 $66.90 $82.31 $97.72 $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $21.48 $37.70 $53.93 $70.15 $86.38 $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $22.35 $39.45 $56.56 $73.66 $90.76 $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $23.31 $41.37 $59.43 $77.49 $95.55 $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $24.36 $43.47 $62.58 $81.69 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $25.52 $45.79 $66.06 $86.32 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $26.92 $48.60 $70.27 $91.95 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $28.37 $51.49 $74.61 $97.73 $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $29.86 $54.46 $79.07 $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $31.41 $57.57 $83.73 $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $33.09 $60.93 $88.77 $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $34.78 $64.30 $93.83 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $36.81 $68.38 $99.94 $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $39.45 $73.65 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $43.00 $80.75 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A $47.82 $90.39 $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 82 49

56 PRE-CALCULATED MONTHLY RATE SHEETS WITH ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level ADB Female Non-Tobacco (Age Nearest) Monthly Bank Draft Amounts Age $/1000 ADB $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $7.43 $9.61 $11.79 $13.98 $16.16 $18.34 $20.52 $22.70 $24.88 $27.06 $29.25 $31.43 $33.61 $35.79 $37.97 $43.42 $48.88 $54.33 $59.78 $70.69 $ $7.52 $9.80 $12.07 $14.34 $16.62 $18.89 $21.16 $23.44 $25.71 $27.98 $30.26 $32.53 $34.80 $37.08 $39.35 $45.03 $50.72 $56.40 $62.08 $73.45 $ $7.62 $9.98 $12.35 $14.71 $17.08 $19.45 $21.81 $24.18 $26.54 $28.91 $31.28 $33.64 $36.01 $38.37 $40.74 $46.66 $52.57 $58.49 $64.40 $76.23 $ $7.71 $10.17 $12.63 $15.09 $17.55 $20.01 $22.47 $24.93 $27.39 $29.85 $32.31 $34.77 $37.23 $39.68 $42.14 $48.29 $54.44 $60.59 $66.74 $79.04 $ $7.81 $10.36 $12.92 $15.48 $18.03 $20.59 $23.15 $25.70 $28.26 $30.82 $33.37 $35.93 $38.49 $41.04 $43.60 $49.99 $56.39 $62.78 $69.17 $81.95 $ $7.91 $10.57 $13.23 $15.89 $18.55 $21.21 $23.87 $26.53 $29.19 $31.85 $34.51 $37.17 $39.83 $42.49 $45.15 $51.80 $58.45 $65.10 $71.75 $85.05 $ $8.01 $10.77 $13.53 $16.29 $19.05 $21.81 $24.57 $27.33 $30.09 $32.85 $35.61 $38.37 $41.13 $43.89 $46.65 $53.55 $60.45 $67.34 $74.24 $88.04 $ $8.12 $10.99 $13.86 $16.73 $19.60 $22.47 $25.34 $28.21 $31.08 $33.95 $36.82 $39.69 $42.56 $45.43 $48.30 $55.48 $62.65 $69.83 $77.00 $91.35 $ $8.24 $11.24 $14.23 $17.22 $20.21 $23.21 $26.20 $29.19 $32.18 $35.18 $38.17 $41.16 $44.15 $47.15 $50.14 $57.62 $65.10 $72.58 $80.06 $95.03 $ $8.38 $11.50 $14.63 $17.76 $20.88 $24.01 $27.13 $30.26 $33.39 $36.51 $39.64 $42.77 $45.89 $49.02 $52.15 $59.96 $67.78 $75.59 $83.41 $99.04 $ $8.57 $11.89 $15.21 $18.53 $21.85 $25.17 $28.49 $31.81 $35.13 $38.45 $41.77 $45.09 $48.41 $51.73 $55.05 $63.35 $71.65 $79.94 $88.24 $ $ $8.73 $12.21 $15.69 $19.17 $22.65 $26.13 $29.62 $33.10 $36.58 $40.06 $43.54 $47.02 $50.50 $53.98 $57.46 $66.16 $74.87 $83.57 $92.27 $ $ $8.90 $12.54 $16.19 $19.84 $23.49 $27.13 $30.78 $34.43 $38.07 $41.72 $45.37 $49.01 $52.66 $56.31 $59.96 $69.07 $78.19 $87.31 $96.43 $ $ $9.07 $12.88 $16.70 $20.51 $24.33 $28.14 $31.96 $35.77 $39.59 $43.40 $47.22 $51.03 $54.85 $58.66 $62.48 $72.01 $81.55 $91.09 $ $ $ $9.24 $13.22 $17.21 $21.20 $25.18 $29.17 $33.16 $37.14 $41.13 $45.12 $49.10 $53.09 $57.07 $61.06 $65.05 $75.01 $84.98 $94.95 $ $ $ $9.42 $13.58 $17.75 $21.91 $26.08 $30.25 $34.41 $38.58 $42.74 $46.91 $51.07 $55.24 $59.41 $63.57 $67.74 $78.15 $88.57 $98.98 $ $ $ $9.61 $13.96 $18.32 $22.68 $27.03 $31.39 $35.75 $40.10 $44.46 $48.82 $53.17 $57.53 $61.89 $66.24 $70.60 $81.49 $92.38 $ $ $ $ $9.82 $14.38 $18.95 $23.51 $28.08 $32.64 $37.21 $41.78 $46.34 $50.91 $55.47 $60.04 $64.60 $69.17 $73.74 $85.15 $96.57 $ $ $ $ $10.05 $14.85 $19.65 $24.45 $29.25 $34.05 $38.85 $43.65 $48.45 $53.25 $58.05 $62.85 $67.65 $72.45 $77.25 $89.25 $ $ $ $ $ $10.32 $15.39 $20.46 $25.53 $30.60 $35.67 $40.74 $45.81 $50.88 $55.95 $61.02 $66.09 $71.16 $76.23 $81.30 $93.97 $ $ $ $ $ $10.68 $16.11 $21.54 $26.97 $32.40 $37.83 $43.26 $48.69 $54.12 $59.55 $64.98 $70.41 $75.84 $81.27 $86.70 $ $ $ $ $ $ $11.01 $16.77 $22.53 $28.29 $34.06 $39.82 $45.58 $51.34 $57.10 $62.86 $68.62 $74.38 $80.14 $85.90 $91.67 $ $ $ $ $ $ $11.38 $17.51 $23.64 $29.77 $35.91 $42.04 $48.17 $54.30 $60.43 $66.56 $72.69 $78.82 $84.95 $91.09 $97.22 $ $ $ $ $ $ $11.79 $18.33 $24.87 $31.41 $37.95 $44.49 $51.03 $57.58 $64.12 $70.66 $77.20 $83.74 $90.28 $96.82 $ $ $ $ $ $ $ $12.24 $19.22 $26.21 $33.20 $40.18 $47.17 $54.16 $61.15 $68.13 $75.12 $82.11 $89.09 $96.08 $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 50

57 PRE-CALCULATED MONTHLY RATE SHEETS WITH ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level ADB Female Tobacco (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $8.78 $12.31 $15.84 $19.37 $22.90 $26.43 $29.96 $33.49 $37.02 $40.55 $44.08 $47.61 $51.14 $54.67 $58.20 $67.02 $75.85 $84.67 $93.49 $ $ $9.02 $12.79 $16.55 $20.32 $24.09 $27.86 $31.62 $35.39 $39.16 $42.93 $46.70 $50.46 $54.23 $58.00 $61.77 $71.19 $80.61 $90.02 $99.44 $ $ $9.26 $13.26 $17.27 $21.27 $25.28 $29.28 $33.29 $37.30 $41.30 $45.31 $49.31 $53.32 $57.32 $61.33 $65.34 $75.35 $85.37 $95.38 $ $ $ $9.50 $13.74 $17.99 $22.23 $26.48 $30.72 $34.97 $39.21 $43.46 $47.71 $51.95 $56.20 $60.44 $64.69 $68.93 $79.55 $90.16 $ $ $ $ $9.74 $14.22 $18.71 $23.20 $27.69 $32.17 $36.66 $41.15 $45.63 $50.12 $54.61 $59.09 $63.58 $68.07 $72.56 $83.77 $94.99 $ $ $ $ $9.98 $14.72 $19.45 $24.19 $28.92 $33.65 $38.39 $43.12 $47.85 $52.59 $57.32 $62.06 $66.79 $71.52 $76.26 $88.09 $99.93 $ $ $ $ $10.22 $15.19 $20.16 $25.13 $30.10 $35.08 $40.05 $45.02 $49.99 $54.96 $59.93 $64.90 $69.87 $74.84 $79.81 $92.24 $ $ $ $ $ $10.47 $15.69 $20.91 $26.13 $31.35 $36.57 $41.79 $47.01 $52.22 $57.44 $62.66 $67.88 $73.10 $78.32 $83.54 $96.59 $ $ $ $ $ $10.73 $16.22 $21.70 $27.18 $32.66 $38.15 $43.63 $49.11 $54.59 $60.08 $65.56 $71.04 $76.53 $82.01 $87.49 $ $ $ $ $ $ $11.01 $16.78 $22.54 $28.31 $34.07 $39.84 $45.60 $51.37 $57.13 $62.90 $68.66 $74.42 $80.19 $85.95 $91.72 $ $ $ $ $ $ $11.37 $17.49 $23.61 $29.73 $35.85 $41.97 $48.09 $54.22 $60.34 $66.46 $72.58 $78.70 $84.82 $90.94 $97.06 $ $ $ $ $ $ $11.71 $18.18 $24.64 $31.11 $37.57 $44.04 $50.50 $56.97 $63.43 $69.90 $76.36 $82.82 $89.29 $95.75 $ $ $ $ $ $ $ $12.07 $18.90 $25.72 $32.54 $39.37 $46.19 $53.01 $59.84 $66.66 $73.48 $80.31 $87.13 $93.95 $ $ $ $ $ $ $ $ $12.45 $19.64 $26.84 $34.03 $41.23 $48.43 $55.62 $62.82 $70.01 $77.21 $84.41 $91.60 $98.80 $ $ $ $ $ $ $ $ $12.83 $20.41 $28.00 $35.58 $43.16 $50.74 $58.32 $65.91 $73.49 $81.07 $88.65 $96.23 $ $ $ $ $ $ $ $ $ $13.24 $21.22 $29.21 $37.19 $45.18 $53.16 $61.15 $69.13 $77.12 $85.10 $93.09 $ $ $ $ $ $ $ $ $ $ $13.65 $22.06 $30.46 $38.86 $47.26 $55.67 $64.07 $72.47 $80.87 $89.28 $97.68 $ $ $ $ $ $ $ $ $ $ $14.08 $22.92 $31.75 $40.59 $49.42 $58.25 $67.09 $75.92 $84.76 $93.59 $ $ $ $ $ $ $ $ $ $ $ $14.53 $23.81 $33.09 $42.36 $51.64 $60.92 $70.20 $79.48 $88.76 $98.04 $ $ $ $ $ $ $ $ $ $ $ $14.99 $24.73 $34.47 $44.21 $53.95 $63.69 $73.43 $83.17 $92.91 $ $ $ $ $ $ $ $ $ $ $ $ $15.53 $25.80 $36.08 $46.35 $56.63 $66.91 $77.18 $87.46 $97.73 $ $ $ $ $ $ $ $ $ $ $ $ $15.96 $26.67 $37.39 $48.10 $58.81 $69.52 $80.23 $90.94 $ $ $ $ $ $ $ $ $ $ $ $ $ $16.42 $27.59 $38.76 $49.93 $61.10 $72.27 $83.44 $94.61 $ $ $ $ $ $ $ $ $ $ $ $ $ $16.91 $28.57 $40.22 $51.88 $63.54 $75.20 $86.85 $98.51 $ $ $ $ $ $ $ $ $ $ $ $ $ $17.43 $29.62 $41.80 $53.98 $66.16 $78.35 $90.53 $ $ $ $ $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 51

58 PRE-CALCULATED MONTHLY RATE SHEETS WITH ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level ADB Male Non-Tobacco (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $8.33 $11.40 $14.48 $17.56 $20.63 $23.71 $26.79 $29.86 $32.94 $36.02 $39.09 $42.17 $45.24 $48.32 $51.40 $59.09 $66.78 $74.47 $82.16 $97.55 $ $8.62 $11.99 $15.36 $18.73 $22.10 $25.47 $28.84 $32.21 $35.58 $38.95 $42.32 $45.69 $49.06 $52.42 $55.79 $64.22 $72.64 $81.07 $89.49 $ $ $8.88 $12.51 $16.14 $19.77 $23.40 $27.03 $30.66 $34.29 $37.92 $41.55 $45.18 $48.81 $52.44 $56.08 $59.71 $68.78 $77.86 $86.93 $96.01 $ $ $9.11 $12.97 $16.84 $20.70 $24.56 $28.42 $32.29 $36.15 $40.01 $43.87 $47.73 $51.60 $55.46 $59.32 $63.18 $72.84 $82.50 $92.15 $ $ $ $9.33 $13.40 $17.48 $21.56 $25.63 $29.71 $33.79 $37.86 $41.94 $46.02 $50.09 $54.17 $58.25 $62.32 $66.40 $76.59 $86.78 $96.97 $ $ $ $9.52 $13.80 $18.07 $22.34 $26.61 $30.89 $35.16 $39.43 $43.70 $47.98 $52.25 $56.52 $60.79 $65.07 $69.34 $80.02 $90.70 $ $ $ $ $9.68 $14.10 $18.53 $22.96 $27.38 $31.81 $36.24 $40.66 $45.09 $49.52 $53.94 $58.37 $62.80 $67.22 $71.65 $82.72 $93.78 $ $ $ $ $9.80 $14.36 $18.91 $23.46 $28.01 $32.57 $37.12 $41.67 $46.22 $50.78 $55.33 $59.88 $64.43 $68.99 $73.54 $84.92 $96.30 $ $ $ $ $9.91 $14.57 $19.23 $23.89 $28.55 $33.21 $37.87 $42.53 $47.18 $51.84 $56.50 $61.16 $65.82 $70.48 $75.14 $86.79 $98.44 $ $ $ $ $10.00 $14.74 $19.49 $24.23 $28.98 $33.73 $38.47 $43.22 $47.96 $52.71 $57.46 $62.20 $66.95 $71.69 $76.44 $88.31 $ $ $ $ $ $10.12 $14.99 $19.87 $24.74 $29.61 $34.48 $39.35 $44.23 $49.10 $53.97 $58.84 $63.71 $68.59 $73.46 $78.33 $90.51 $ $ $ $ $ $10.21 $15.18 $20.14 $25.11 $30.07 $35.03 $40.00 $44.96 $49.92 $54.89 $59.85 $64.82 $69.78 $74.74 $79.71 $92.12 $ $ $ $ $ $10.31 $15.36 $20.42 $25.48 $30.53 $35.59 $40.65 $45.70 $50.76 $55.82 $60.87 $65.93 $70.99 $76.04 $81.10 $93.74 $ $ $ $ $ $10.40 $15.55 $20.69 $25.84 $30.99 $36.14 $41.28 $46.43 $51.58 $56.73 $61.87 $67.02 $72.17 $77.32 $82.46 $95.33 $ $ $ $ $ $10.50 $15.76 $21.01 $26.26 $31.52 $36.77 $42.02 $47.28 $52.53 $57.79 $63.04 $68.29 $73.55 $78.80 $84.05 $97.19 $ $ $ $ $ $10.63 $16.01 $21.39 $26.78 $32.16 $37.54 $42.92 $48.30 $53.68 $59.06 $64.44 $69.83 $75.21 $80.59 $85.97 $99.42 $ $ $ $ $ $10.83 $16.41 $21.99 $27.57 $33.15 $38.72 $44.30 $49.88 $55.46 $61.04 $66.62 $72.20 $77.78 $83.36 $88.94 $ $ $ $ $ $ $11.12 $16.99 $22.85 $28.72 $34.59 $40.46 $46.32 $52.19 $58.06 $63.93 $69.80 $75.66 $81.53 $87.40 $93.27 $ $ $ $ $ $ $11.50 $17.75 $23.99 $30.24 $36.49 $42.74 $48.98 $55.23 $61.48 $67.73 $73.97 $80.22 $86.47 $92.72 $98.96 $ $ $ $ $ $ $11.95 $18.64 $25.34 $32.04 $38.74 $45.43 $52.13 $58.83 $65.53 $72.22 $78.92 $85.62 $92.31 $99.01 $ $ $ $ $ $ $ $12.50 $19.76 $27.01 $34.27 $41.52 $48.77 $56.03 $63.28 $70.53 $77.79 $85.04 $92.30 $99.55 $ $ $ $ $ $ $ $ $13.02 $20.78 $28.55 $36.32 $44.08 $51.85 $59.62 $67.38 $75.15 $82.92 $90.68 $98.45 $ $ $ $ $ $ $ $ $ $13.55 $21.84 $30.14 $38.44 $46.73 $55.03 $63.33 $71.62 $79.92 $88.22 $96.51 $ $ $ $ $ $ $ $ $ $ $14.09 $22.94 $31.78 $40.63 $49.47 $58.32 $67.16 $76.01 $84.85 $93.70 $ $ $ $ $ $ $ $ $ $ $ $14.66 $24.07 $33.48 $42.89 $52.29 $61.70 $71.11 $80.52 $89.93 $99.34 $ $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 52

59 PRE-CALCULATED MONTHLY RATE SHEETS WITH ACCIDENTAL DEATH BENEFIT GuideStar Final Expense Level ADB Male Tobacco (Age Nearest) Monthly Bank Draft Amounts Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age $9.72 $14.19 $18.66 $23.12 $27.59 $32.06 $36.53 $41.00 $45.47 $49.94 $54.40 $58.87 $63.34 $67.81 $72.28 $83.45 $94.62 $ $ $ $ $9.95 $14.64 $19.34 $24.03 $28.73 $33.43 $38.12 $42.82 $47.52 $52.21 $56.91 $61.60 $66.30 $71.00 $75.69 $87.43 $99.17 $ $ $ $ $10.18 $15.11 $20.04 $24.97 $29.90 $34.83 $39.76 $44.70 $49.63 $54.56 $59.49 $64.42 $69.35 $74.28 $79.21 $91.54 $ $ $ $ $ $10.43 $15.60 $20.78 $25.96 $31.14 $36.31 $41.49 $46.67 $51.85 $57.02 $62.20 $67.38 $72.56 $77.73 $82.91 $95.85 $ $ $ $ $ $10.69 $16.12 $21.56 $27.00 $32.44 $37.87 $43.31 $48.75 $54.19 $59.62 $65.06 $70.50 $75.93 $81.37 $86.81 $ $ $ $ $ $ $10.96 $16.68 $22.39 $28.11 $33.82 $39.54 $45.25 $50.97 $56.68 $62.40 $68.11 $73.83 $79.54 $85.25 $90.97 $ $ $ $ $ $ $11.24 $17.23 $23.22 $29.21 $35.20 $41.19 $47.18 $53.17 $59.16 $65.15 $71.14 $77.13 $83.12 $89.11 $95.10 $ $ $ $ $ $ $11.54 $17.82 $24.11 $30.40 $36.68 $42.97 $49.26 $55.55 $61.83 $68.12 $74.41 $80.69 $86.98 $93.27 $99.55 $ $ $ $ $ $ $11.86 $18.46 $25.07 $31.68 $38.29 $44.89 $51.50 $58.11 $64.71 $71.32 $77.93 $84.54 $91.14 $97.75 $ $ $ $ $ $ $ $12.20 $19.16 $26.11 $33.06 $40.01 $46.97 $53.92 $60.87 $67.82 $74.78 $81.73 $88.68 $95.64 $ $ $ $ $ $ $ $ $12.63 $20.00 $27.38 $34.76 $42.14 $49.51 $56.89 $64.27 $71.64 $79.02 $86.40 $93.78 $ $ $ $ $ $ $ $ $ $12.99 $20.73 $28.47 $36.21 $43.95 $51.69 $59.43 $67.17 $74.91 $82.65 $90.39 $98.13 $ $ $ $ $ $ $ $ $ $13.38 $21.50 $29.63 $37.75 $45.88 $54.00 $62.13 $70.25 $78.38 $86.50 $94.63 $ $ $ $ $ $ $ $ $ $ $13.79 $22.32 $30.86 $39.39 $47.93 $56.46 $65.00 $73.54 $82.07 $90.61 $99.14 $ $ $ $ $ $ $ $ $ $ $14.22 $23.20 $32.17 $41.14 $50.12 $59.09 $68.06 $77.04 $86.01 $94.98 $ $ $ $ $ $ $ $ $ $ $ $14.69 $24.14 $33.58 $43.03 $52.47 $61.92 $71.36 $80.81 $90.25 $99.70 $ $ $ $ $ $ $ $ $ $ $ $15.21 $25.17 $35.13 $45.09 $55.06 $65.02 $74.98 $84.94 $94.90 $ $ $ $ $ $ $ $ $ $ $ $ $15.78 $26.30 $36.83 $47.36 $57.89 $68.41 $78.94 $89.47 $99.99 $ $ $ $ $ $ $ $ $ $ $ $ $16.40 $27.55 $38.70 $49.85 $61.00 $72.15 $83.30 $94.45 $ $ $ $ $ $ $ $ $ $ $ $ $ $17.08 $28.92 $40.75 $52.59 $64.42 $76.26 $88.09 $99.93 $ $ $ $ $ $ $ $ $ $ $ $ $ $17.89 $30.53 $43.17 $55.81 $68.45 $81.09 $93.73 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $18.73 $32.21 $45.69 $59.17 $72.66 $86.14 $99.62 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $19.64 $34.03 $48.43 $62.82 $77.21 $91.60 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $20.62 $35.99 $51.36 $66.73 $82.10 $97.47 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $21.66 $38.07 $54.48 $70.89 $87.29 $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 85 Age $/1000 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 $8,000 $9,000 $10,000 $11,000 $12,000 $13,000 $14,000 $15,000 $17,500 $20,000 $22,500 $25,000 $30,000 $35,000 Age 53

60 ADDITIONAL CALCULATION NEAREST AGE PRACTICE EXAMPLES Example 3: Client s Birthday 5/10/1961; Date Policy Becomes Effective = 6/15/2015 1) Current Age = 54 2) # Full Months Since Last Birthday = 1...(May 10- June 10) 3) Since 1 is Less than or Equal to 6, Use Client s Current Age = 54 Example 4: Client s Birthday 1/12/1940; Date Policy Becomes Effective = 5/15/2015 1) Current Age = 75 2) # Full Months Since Last Birthday = 4...(January 12 February 12, February 12-March 12, March 12-April 12, April 12 May 12) 3) Since 4 is Less than or Equal to 6, Use Client s Current Age = 76 54

61 ORDERING SUPPLIES 1) Call home office ask for supplies ( ) 2) Fax order form ( ) 3) form to or The form will be in you agent kit or on the website zone/home page/forms/ contracting forms/other/ miscellaneous. The form is fillable, so it can be saved to your AHL folder on your computer. SUPPLY REQUEST FAX APPLICATIONS AHL-U-07-ALT Traditional Whole Life State of AHL-U-09- ALT-IL Traditional Whole Life (Illinois only) U-FPA-1/11 Annuity FPA State of ICC15 FEPA Final Expense State of SUPPLEMENT TO APPLICATION U-82 Release of Health Related Information 13 IPR-3 Summary of Indeterminate Premium Reduction, Policies 10/20 Year NT (TX & MT) 13 IPR-4 Summary of Indeterminate Premium Reduction, Policies 20 Year NT (TX & MT) 13 IPR-5 Summary of Indeterminate Premium Reduction, Policies 30 Year NT (TX & MT) 84-APP Agreement for Prepayment of Premiums APDF-2 Premium Deposit Receipts U-41-7/82 Notice of Information Practices (AZ & MT) U-14-10/96 Illustration Certification Form U-PAR-1 Disclosure Statement (MEC Form) PAYMENT SUPPLEMENTS ACC-17 Bankdraft Authorization ACC-39 Funds Transfer & 1035 Exchange U-PAR-2 10/03 Paid Up Life Benefit Authorization U-PAR-3 10/03 Request for Premium or Cash W/D U-PAR-4 10/03 Paid Up Life Benefit Authorization PR-05 Premium Receipt (required for cash) UNDERWRITING INFORMATION FORMS U-5 Disclaimer State of U-5-A-MN Consumer Privacy Notice (Minnesota) U-5-B-MN Life Insurance Fact Sheet (Minnesota) U-5-C-MN Advance Disclosure Notice (Minnesota) U-9 Medical Examiners Report State of U-18 All Purpose Form State of U-19 Smoking Statement U-45/01 Non-Medical Limits & Approved Paramedical Facilities U-1 REP Replacement Forms State of HIV- Blood Profile Consent State of UI-05 (Rev 06/10) Underwriting Information Pamphlet POLICYOWNER SERVICE FORMS POS-3 Claimant's Statement POS-12 Change of Beneficiary POS-13 Change of Ownership POS-18 Policy Loan Request POS-19 Multi Purpose Form (short) POS-29 Annuity Surrender Form POS-38 Cash Surrender/Customer Assistance POS-64 Express Permission To Call POS-65 Assignment of Policy/Contract Death Benefi ts GUIDESTAR/FINAL EXPENSE GS-5 GS-19 GS-FEPS -3 GS FE-95 GS-20 Planning Worksheet (Calculating Premiums, Etc.) GuideStar Overview Personal Planning Guide Brochure with Memorial Information "GuideStar" Rates Referral Card Quick Quote - Sample Rates WHOLE LIFE & SINGLE PREMIUM WHOLE LIFE MKT-WL-3-01/14 American Legacy Brochure MKT-WL-4-01/14 American Legacy Overview AL-07/14 American Legacy Rates YAL-01/14 Young American Legacy Rates MKT-WL-5-01/14 American Whole Life Brochure MKT-WL-6 01/14 American Whole Life Overview WL-01/14 American Whole Life Rates JR WL-01/14 Young American Whole Life Rates AB - 01/14 Additional Benefi ts 8/00 ABR ABR Pamphlet VALUE WHOLE LIFE VWL Value Whole Life Rates MKT-VWL-8 01/14 Value Whole Life Overview NOVA TERM NTI-1/07 01/14 Nova Term Rates MKT-5-01/14 Nova Term Brochure MKT-NT-1 Nova Term Overview ANNUITY PRODUCTS (U-FPA-1/06) FPA Flexible Premium Brochure FPA Flexible Premium Overview ACC-39 Funds Transfer & 1035 Exchange FPA-5 Annuity Suitability Questionnaire U-SPDA-1 Annuity Disclosure Form AGENT SUPPORT MKT-3 AGY-31 MKT-LMF 01/14 Advertising Guidelines Prospect Cards Product Portfolio ENVELOPES & MISCELLANEOUS E-40 #9 Self-Addressed to Company E-27 #10 Corner Return Envelopes E-56 #14 Corner Return Envelopes E-47 #14 Self-Addressed to Company AHL Memo Pads AHL Stationery AGY-90 (3/10) Business Card Order Form Home Offi ce Service Directory U-ASCP FAX/App Submission Cover Page AGY-16 Supply Request Order Form Date Is this a New Address AGY16 (Rev 10.15) Name Address City State Please contact Marketing if you are planning a Direct Mailing. 55 Agent # Apt or Suite # Zip

62 Guidestar Insurance Telephone Script INFO FROM AGENT: Client Name: Amount: Agent Name: Level: Limited: Address, City, St, Zip: Telephone #: SS#: Date of Birth: State of Birth: Did the Proposed Insured read the Declarations and Authorizations related to the Guidestar Product? YES NO INFO FROM CLIENT: To complete this quick telephone interview, we need to record this call and accept your signature electronically through voice recording. Is this OK? YES NO We have your social security number as (see above) and your date of birth as (see above). YES NO Is this information correct? (If no, make necessary changes). Do you authorize American Home Life to obtain your medical and prescription drug history from MIB or any other organization under the terms of the Declarations and Authorizations set forth in the application? YES NO RUN MIB AND SCRIPT CHECK (continue interview while waiting) Place electronic signature below: Also, it is important to answer all questions accurately. Inaccurate or incomplete answers could affect the payment of policy benefits. Do you understand? YES NO Did your agent, (Agent Name), ask you and did you understand medical questions #1-10 in the application? YES NO Have you reviewed your answers to these questions in the application and are they filled out accurately? YES NO Were your answers to any of the health questions Yes? YES NO If yes, what questions, please provide details? ICC15 FEITS 56

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65 GuideStar Final Expense A Whole Life Product Providing Immediate Benefits for Survivors Faced with Unexpected Expenses Funeral and Burial Expenses Medical Bills Legal Fees Miscellaneous 59 The American Home Life Insurance Company Trusted For Generations Form GS-FEPS-3(Rev 09.15)

66 The American Home Life Insurance Company Topeka, Kansas Our Company was founded in 1909 to provide the highest quality insurance products and services. Over the years, we have been recognized as a strong, responsible insurer and a good corporate citizen. We are a mutual life insurance company, which means that, as owner of an American Home Life policy, you are also an owner of the Company. You have our pledge of sound management and personal attention to your life insurance needs. We invite you to call us, toll-free, at Peace of mind comes from knowing that death will not create a financial hardship for our loved ones. The GuideStar Plan provides funds to pay final expenses or cover medical bills from a last illness. Those funds can also create gifts for loved ones or a favorite charity. With a GuideStar Plan, you plan for the future. You make the decisions. You have peace of mind. GUIDESTAR BENEFITS PREMIUMS ARE GUARANTEED - Your premiums will never increase regardless of your age or health. BENEFITS ARE GUARANTEED - Your death benefits are guaranteed never to decrease and will be paid to the beneficiary of your choice tax free. YOU CAN NOT BE CANCELLED - Your coverage is guaranteed not to be cancelled, except for non-payment of your premium. ACCELERATED BENEFIT RIDER(ABR) - Enables the owner to claim a portion of the policy s death benefit prior to the actual death of the insured. (There is no cost for this rider) NURSING HOME CONFINEMENT - (Not Available in Florida) Enables the owner to claim a portion of the policy s death benefit when permanently confined to a qualified nursing home. (There is no cost for this rider) NO MEDICAL EXAM - Policy issue depends on your answer to the health questions in the application. 30 DAY FREE LOOK WITH THE RIGHT TO CANCEL - 100% refund OPTIONS (Additional Premium Required) ACCIDENTAL DEATH BENEFIT RIDER (ADB) - Pays an additional benefit in the event of your death as the direct result of an accident. Available ages (age nearest). 60

67 EXPENSES TO CONSIDER Use this to determine future obligations your loved ones must meet. Funeral Expense: Funeral Service Casket & Vault Pastoral Services Grave Marker Music Cremation Cemetery Plot Transportation Medical Bills Legal/Probate Cash Gifts Other 2 TYPES OF COVERAGE LEVEL 100% FULL DEATH BENEFIT PAID IMMEDIATELY AT DEATH GRADED POLICY YEAR 1 & 2 REDUCED DEATH BENEFIT POLICY YEAR 3 AND AFTER FULL POLICY DEATH BENEFIT Total $ WOULD YOUR DEATH CREATE A BURDEN OR WOULD YOUR FAMILY CONTINUE TO MEET ALL THEIR FINANCIAL OBLIGATIONS? MY GUIDESTAR PLAN Name: Face Amount Level $ ADB $ Graded First Year $ Second Year $ Thereafter $ Total Premium: $ Annual Semi-Annual Quarterly Monthly Automatic 61 For consumer use only. Policy Forms: ICC15 FEPL, ICC15 FEPG, 13 FEPL-FL, 13 FEPL-ND, 13 FEPL-SD, 13 FEPG-FL, 13 FEPG-ND or 13 FEPG-SD. Product specifications and availability may vary by state.

68 Memorial Information The following information is provided to relieve my loved ones of the emotional strain of decision-making at the time of my death. I have included instructions regarding my preferred memorial service, and I have applied for a GuideStar final expense plan to help pay the expenses of my memorial service. I understand this is not a will or a will substitute. Name Residence Social Security No. Date of Birth Birthplace Marital Status Name of Spouse Father s Name Place of Birth Mother s Maiden Name Place of Birth Usual Occupation Employer Funeral Arrangements & Instructions Mortuary Address Place of Service: Church Mortuary Chapel Other Church or Denomination Address Clergyman Phone Pallbearers Special Requests I prefer Earth Burial Cremation Mausoleum Name of Cemetery City/State I have have not reserved interment facilities. Special Requests... AHL Representative: P.O. Box S. Kansas Ave. Topeka, KS

69 American Home Life Insurance Co Presents GuideStar FINAL EXPENSE PLANS A Whole Life Product Providing Immediate Benefits for Survivors Faced with Unexpected Expenses 63 The American Home Life Insurance Company Trusted for Generations GS PRES (10.15)

70 SOCIAL SECURITY DEATH BENEFITS 2012 U-P-D-A-T-E As Of 2012, The Lump Sum Death Benefit Payment By Social Security Is Only $255. Social Security Death Benefits Are NOT Automatic. You Must Notify Social Security Administration Immediately. You Must Notify The Bank To Return Any Direct Deposit Amount Paid In The Month Of The Death And Thereafter. You Must Set Up Appointment At Your Local Social Security Office. You Will Be Asked To Fill Out An Application. Application Must Be Made And Specific Documents Must Be Furnished. Some Of The Items You May Be Asked For: Certified Copy Of Birth Certificate Or Naturalization Papers Death Certificate Marriage License W-2 s and/or Tax Returns Remember...Lump Sum Death Benefits Cannot Be Paid To Funeral Home. SSA Publication No , ICN , April

71 If You Died Tomorrow How Would Your Loved Ones Pay These Final Expense Obligations? AVERAGE ITEMS PRICE NON-DECLINABLE BASIC SERVICE FEES $1,817 REMOVAL/TRANSFER OF REMAINS TO FUNERAL HOME $250 EMBALMING $628 OTHER PREPARATION OF THE BODY $200 USE OF FACILITY FOR VIEWING $395 USE OF FACILITY/STAFF FOR FUNERAL CEREMONY $450 USE OF HEARSE $275 USE OF SERVICE CAR/VAN $125 BASIC MEMORIAL PRINTED PACKAGE $125 METAL CASKET $2,295 VAULT $1,195 AVERAGE COST $7, COST OF AVERAGE FUNERAL CAN BE AS MUCH AS. $10,955 AND UP... DON T FORGET...HOSPITAL OR DOCTOR BILLS... OUTSTANDING DEBT OR OBLIGATION - ANY LEGAL OR ATTORNEY FEES. SOURCE: 2009 NFDA GENERAL PRICE LIST SURVEY $500 MONUMENT/MARKER $1,500 FLOWERS $200 OTHER COSTS TO CONSIDER OPEN/CLOSE GRAVE GRAVE PLOT $1,000 ADDITIONAL COST $3,200 COSTS MAY VERY: ESTIMATES ONLY

72 YOU HAVE FOUR WAYS TO PAY THESE EXPENSES 1. RELY ON FAMILY OR FRIENDS 2. BORROW THE MONEY 3. USE THE CASH YOU HAVE ACCUMULATED IN THE BANK *REMEMBER YOUR MONTHLY INCOME HAS NOW BEEN REDUCED OR 4. RELY ON THE AFFORDABLE SOLUTION: THE GUIDESTAR WHOLE LIFE INSURANCE PLAN IS A PLAN DESIGNED TO HELP ASSURE YOU WON T BE A BURDEN TO YOUR LOVED ONES AND TO PAY FOR THOSE EXPENSES SOCIAL SECURITY DOESN T. 66

73 67 ALL WE ASK OF YOU IS THAT ONCE WE HAVE EXPLAINED THE GUIDESTAR PLAN TO YOU, YOU SIMPLY MAKE A DECISION AS TO WHETHER OR NOT THIS PLAN WILL FULFILL YOUR NEEDS.