Assurity

Individual DI

Simplified DI

Graded Benefit DI

AssurityBalance® Century+ Disability Income Policy Highlights

Century+ Individual Disability Income Insurance is individual guaranteed-renewable disability income coverage. It's ideal for individuals in the middle income market and a variety of occupations including the self-employed.

Issue Ages: 18 through 60 (age nearest birthday)

Underwriting Classes: Non-tobacco and Tobacco

Occupation Classes: 4A, 3A, 2A, 1A

Standard Issue Limits 4A and 3A: $15,000 2A: $10,000 1A: $8,000

Benefit Periods: 1-, 2- and 5-year available for all classes;

10-year available for classes 4A, 3A, and 2A;

to-age-65 and to-age-67 available for classes 4A and 3A, and 2A if qualifying

self-employed or W-2 employee

Elimination Periods: 30, 60, 90, 180 and 365 days

Rate Structure: Level premiums based on gender, age, underwriting and occupational class,

benefit and elimination period

Renewability: Guaranteed to age 65; or age 67 for the to-age-67 benefit

Policy form No. I H0920. Product availability, rates and features may vary by state.

AssurityBalance® Simplified Disability Income Policy Highlights

Simplified Disability Income Insurance is individual guaranteed-renewable disability income coverage with a simplified application and streamlined underwriting processes. It's ideal for individuals in the lower to upper-middle income markets.

Issue Ages: 18 through 59 (age last birthday)

Underwriting Classes: Non-tobacco and Tobacco

Occupation Classes: 1, 2

Maximum Issue Limit: Lesser of 60 percent of monthly income or $2,500

Benefit Periods: 6-month, 1-year and 2-year

Elimination Periods: 30, 60, 90 and 180 days

Rate Structure: Level premiums based on gender, age band (18-39, 40-49 and 50-59),

underwriting class, occupational class, benefit period and elimination period

Renewability: Guaranteed renewable to age 67.

Policy form No. I D0710. Product availability, rates and features may vary by state.

AssurityBalance® Graded Benefit Disability Income Policy Highlights

This policy is individual guaranteed-renewable, impaired risk disability income insurance with a traditional definition of disability and a reduced benefit amount for disabilities commencing in the first two policy years.

Issue Ages: 18 through 60 (age nearest birthday)

Underwriting Classes: Non-tobacco and Tobacco

Occupation Classes: 4A, 3A, 2A, 1A

Standard Issue Limits: Classes 4A and 3A: $11,000 ($10,000 for medical)

Class 2A: $7,500

Class 1A: $6,000

Benefit Periods: 2-year - all classes;

5-year - classes 4A, 3A, and 2A

10-year - classes 4A and 3A

Elimination Periods: 30, 60, 90, and 180 days for the 2-year benefit period

60, 90, 180, 365 days for the 5- and 10-year benefit periods

Rate Structure: Premiums are level and based on gender, tobacco use, age, benefit period and

elimination period

Renewability: Guaranteed renewable to age 65.

Policy form No. A-D120. Product availability, rates and features may vary by state.

Fully Underwritten CI

Simplified CI

AssurityBalance® Critical Illness Policy Highlights

Critical Illness insurance pays a lump sum cash benefit upon diagnosis of specified illnesses or conditions, or undergoing specific medical procedures.

This is a limited-benefit policy, not a substitute for health insurance and may not be appropriate for Medicaid recipients.

Issue Ages: 18 through 64 (age last birthday)

Underwriting Classes: Non-tobacco and Tobacco

Benefit Amounts: $50,000 - $500,000

Rate Structure: Level premiums based on gender, age and underwriting class

Renewability: Guaranteed renewable for life; benefit amount will be reduced by 50

percent in the policy year following the insured’s 65th birthday or five

years from the issue date, whichever is later.

Policy form No. I H0820 or CI 007. Product availability, rates and features may vary by state.

AssurityBalance® Simplified Critical Illness Policy Highlights

Simplified Critical Illness Insurance pays a lump sum cash benefit upon diagnosis of specified illnesses or conditions, or undergoing specific medical procedures.

This is a limited-benefit policy, not a substitute for health insurance and may not be appropriate for Medicaid recipients.

Issue Ages: 18 through 64 (age last birthday)

Underwriting Classes: Non-tobacco and Tobacco

Benefit Amounts: $5,000 - $50,000

Rate Structure: Level premiums based on gender, age and underwriting class

Renewability: Guaranteed renewable to age 75.

Assurity Advantage Four-Day Service Guarantee

Assurity Advantage assures your qualifying simplified underwritten application will be processed and the policy mailed within four business days, or the writing agent can cash in on an additional $100.

(See complete program details in the Service Guarantee document)

Policy form No. I H0810 or CI 005. Product availability, rates and features may vary by state.

Accidental death insurance for any budget

Why Assurity's Acci-Flex?

•DI Rider—provides income protection for total disability from an accident

•Affordable door-opener for life coverage with young adults

•Alternative for uninsurable life and DI insurance prospects

•One health question AND same-day issue for most e-apps

•Up to $250,000 in death benefits

•Return of Premium Rider - can return some or all premiums

Participating Whole Life

Simplified Whole Life

Single Premium Whole Life

LifeScape® Whole Life Policy Highlights

This plan is level-benefit, participating whole life insurance with level, guaranteed premiums to maturity at age 121.

Issue Ages: 0 through 85 (age last birthday)

Face Amounts: Minimum of $15,000 -- ages 0 - 14; $10,000 -- ages 15+

Underwriting Classes: Preferred+ non-tobacco

Preferred non-tobacco, Preferred tobacco

Select non-tobacco, Standard tobacco

Rate Structure: Level, guaranteed premiums based on gender, issue age, premium band and underwriting

class

Premium Band 1 - $10,000 through $74,999

Premium Band 2 - $75,000 through $149,999

Premium Band 3 - $150,000 and above

Renewability: Guaranteed to age 121

Policy form No. I L0880 (R01-13). Product availability, rates and features may vary by state.

LifeScape® Simplified Level-Benefit Whole Life Policy Highlights

Simplified Whole Life is non-participating whole life insurance with level, guaranteed premiums through maturity at age 121.

Issue Ages: 6 months - 80 (age last birthday)

Face Amounts: Minimum: $10,000 -- ages 6 months – 19; $5,000 -- ages 20+

Maximum: $50,000 -- ages 6 months – 65; $25,000 -- ages 66+

Underwriting Classes: Select non-tobacco, Tobacco

Rate Structure: Level, guaranteed premiums based on gender, underwriting class and issue age

Renewability: Guaranteed to age 121

Alternative Benefit Options: For clients with a less than favorable health history, the unique application process

filters applicants into the right plan. A graded benefit plan is available for those that

don’t qualify for the level option. And, a modified benefit plan is available for many

who have difficulty finding any life insurance coverage.

Policy form Nos. I L601, I L602, I L603. Product availability, rates and features may vary by state.

LifeScape® Single-Premium Whole Life Policy Highlights

This plan is single-premium, level-benefit, participating whole life insurance with maturity at age 121.

Issue Ages: 0 through 80 (age last birthday)

Face Amounts: Minimum of $10,000 -- ages 0 – 54; $5,000 -- ages 55+

Underwriting Classes: Select non-tobacco, Standard tobacco

Rate Structure: Single premium based on gender, underwriting class and issue age

Renewability: Guaranteed to age 121

Policy form Nos. ICC12, I L1201 (R01-13) and I L1201 (R01-13). Product availability, rates and features may vary by state.

Universal life—The most flexible life insurance alternative!

Why Assurity's Universal Life?

•Affordable life insurance with the option to change premiums or coverage amounts, and riders to customize coverage

•Excellent for building tax-deferred cash values over time

•Valuable for education funding, retirement income, charitable gifts, emergency funds and business planning

•Living benefits...for nursing facility or terminal illness care, and more!

NonMed Term 350

Term 350 Plus

LifeScape® Non-Med Term 350 Life Policy Highlights

Non-Med Term 350 is competitively priced term life insurance that is fully underwritten on a non-medical basis for faster processing time.

Level Term Periods: 10, 15, 20, and 30 years

Issue Ages: Age last birthday; based on level term period

10 year and 15 year: 18-65

20 year: 18-60

30 year: 18-50 Non-tobacco; 18-45 Tobacco

Face Amounts: $50,000 - $350,000

Underwriting Classes: Select+ Non-tobacco, Select+ Tobacco

Select Non-tobacco, Select Tobacco

Standard Non-tobacco, Standard Tobacco

Rate Structure: Level premiums during the level term period based on term period, gender, age and

underwriting class; annually increasing premiums after the level premium term period

Renewability: Guaranteed to age 95

Policy form No. I L0760. Product availability, rates and features may vary by state.

Lifescape® Term 350 Plus Life Policy Highlights

This plan is term life insurance, medically underwritten in order to achieve the best possible premium rating.

Level Term Periods: 10, 15, 20, and 30 years

Issue Ages Age last birthday

10 year: 18-74 Non-tobacco; 18-70 Tobacco

15 year: 18-65, Non-tobacco and Tobacco

20 year: 18-60, Non-tobacco and Tobacco

30 year: 18-50 Non-tobacco; 18-45 Tobacco

Face Amounts: $350,001 and over, ages 18 – 65

$100,001 and over, ages 66 – 74

Underwriting Classes: Preferred+ non-tobacco

Preferred non-tobacco, Preferred tobacco

Standard non-tobacco, Standard tobacco

Rate Structure: Level premiums during the level term period, based on level term period, gender, age and

underwriting class; annually increasing premiums after the level term period

Renewability: Guaranteed to age 95

Policy form No. I L0760. Product availability, rates and features may vary by state

Assured Income Protector (AIP)--coverage with lifetime monthly benefits

Why Assurity's AIP life insurance?

•A simple and affordable reversionary annuity design

•Provides beneficiary guaranteed, steady lifetime income

•Helps compensate for lost Social Security income when a spouse dies

•An income stream solution for prospects nearing retirement and loss of group life benefits for a survivor

•An alternative to pension plan survivor benefits

•Provides continued financial support for a child or elderly parent

•Customizable with several benefit and rider options

Encore

Plus One

Single Premium Immediate

Ascential® Encore Single-Premium, Deferred Annuity Policy Highlights

The Encore Annuity is a single-premium, deferred fixed annuity that allows for tax-deferred growth by earning a fixed rate of interest each policy year.

Issue Ages: 0 through 85 (age last birthday)

Funding Options: Qualified or non-qualified

Deposit Amounts: Minimum of $2,000; additional deposits allowed in first year

Front-end Load: None

Withdrawal Provision: Up to 12 percent of the account value per policy year, with no surrender charges

Surrender Charges: 9 percent in policy year one, grading to 0 percent in year 9

Applicable only to amounts above 12% free withdrawal

Interest Rates: An interest rate bonus interest of up to 1.5 percent, may be paid in the first two

policy years. The guaranteed interest rate for the first policy year is the "current"

interest rate at the time the policy is issued. Thereafter, the interest rate will be

based on then-current rates, but never less than 1.5 percent for policies issued in

2014.

Policy form Nos. I A602 - Qualified, I A0601 - Non-qualified. Product availability, rates and features may vary by state.

Ascential® Plus One Single-Premium, Deferred Annuity Policy Highlights

The Plus One Annuity is a single-premium, deferred fixed annuity that allows for tax-deferred growth by earning a fixed rate of interest each policy year.

Issue Ages: 0 through 85 (age last birthday)

Funding Options: Qualified or non-qualified

Deposit Amounts: Minimum of $2,000; additional deposits allowed in first year

Front-end Load: None

Withdrawal Provision: Up to 10 percent of the account value per policy year, with no surrender charges.

Surrender Charges: 9 percent in policy year one, grading to 0 percent in year 10

Applicable only to amounts above the 10% free withdrawal

Interest Rates: An interest rate bonus of up to 1 percent may be paid in the first policy year. The

guaranteed interest rate for the first policy year is the "current" interest rate at the time

the policy is issued. Thereafter, the interest rate will be based on then-current rates, but

never less than 1.5 percent for policies issued in 2014.

Policy form Nos. I A1004 or ICC10 I A1004 – Qualified, I A1003 or ICC10 I A1003 – Non-qualified. Product availability, rates and features may vary by state.

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