Legacy Estate Maximizer SPWL Underwritten by Assurity Life Insurance Company Presented by Chris Geyer, CLU, ChFC

1. Legacy Estate Maximizer SPWLUnderwritten by Assurity Life Insurance CompanyPresented by Chris Geyer, CLU, ChFC

2. Legacy SPWL - Designed For Annuity Agents! Annuities do a great job in providing: • Guaranteed lifetime income • Accumulation of assets on a tax-deferred basis. But annuities were never designed to efficiently transfer wealth to the next generation. For Agent Use Only

3. Most annuities involve money that retirees don’t plan to spend. • Only 10% actually annuitize their policy. • 6% took withdrawals as needed. • 84% of annuity owners died with their annuities intact. For Agent Use Only

4. At Death, Gain In Annuities Is Taxed. For Agent Use Only

5. At Death, Gain In Annuities Is Taxed. Taxable or TAX-FREE? Example: After Tax Annuity Value Transferred Into Legacy SPWL For Agent Use Only

6. The Single Premium Life Sale It’s All About Suitability! For Agent Use Only

7. For Agent Use Only

8. For Agent Use Only

9. Confined Care Rider 61 Year Old Female NS $100,000 $198,529 $183,529 $3,971 *Confined Care is not available in Alabama, Connecticut, Florida, Maryland, Massachusetts, New Jersey, Oregon, Washington.

10. Community Care Rider 70 Year Old Female NS $100,000 $155,839 $140,839 $1,558 *Community Care is not available in Alabama, Connecticut, Florida, Kansas, Kentucky, Louisiana, Maryland, Massachusetts, Minnesota, Mississippi, North Carolina, Ohio, Oklahoma, New Jersey, Oregon, South Dakota, Utah and Washington.

11. Terminal Illness Rider 69 Year Old Male NS $100,000 $144,883 $144,883

12. Last Survivor Life 72 Year Old Male NS - Insurable 61 Year Old Female NS - Uninsurable $150,000 $202,244 $308,456 *There is no Confined Care, Community Care or Terminal Illness Rider on the last survivor option.

13. Product Specs • Issue Age 0 to 85 • 15% Agent Commissions • No reduction @ older ages • No chargebacks due to death in early years of contract • Up to Table 4 Issued Standard • Table 8 rating available up to age 80 • Also available on a limited-pay basis • Minimum $5,000 Death Benefit • Maximum Net Amount At Risk: • Ages 0 – 65 - $200,000 • Ages 66 – 85 - $150,000

14. Quick Process! • Underwriting Decision Within 72 Business Hours! • 1 – Approval • 2 – Declined • 3 – Sub-standard Offer • 4 - APS

15. Who Should Not Apply For The Legacy Estate Maximizer? • AIDS/ARC • Alzheimer’s Disease • Alcoholism or drug abuse during last five years • Major heart, cancer or stroke during last five years • Cirrhosis of the liver (Hepatitis C) • Diabetes diagnosed before age 45 and treated with insulin • If client was recently declined by another life company, MIB will be flagged and you should consider possibility Legacy app will be declined as well. Don’t forget! The Legacy Survivor allows one uninsurable! For Agent Use Only

16. Limited-Pay ExampleAvailable as 1, 3, 5 and 10 Pay For Agent Use Only

18. 1035 Transfers Old Interest Sensitive Life $600 Annual Premium $52,000 Death Benefit Single Premium Life Insurance $75,664 Death Benefit $39,300 Single Premium $39,300 Cash Value

19. CD Versus SPWL (72 Year Old Female; $100,000 Initial Deposit; 3% CD; 20% Tax Bracket)