fmiPath˜nder · against 14 leading competitors. 960 cells sampled on 5/31/2015. 2 Premium rates current as of June 8, 2015, rates may vary by state. Premiums available for other

VOLUME TWO - 2015

FOR AGENT USE ONLY.

fmiPath�nderfmiPath�nderAlways providing you a choice of options...where the path becomes apparent.

• Fixed Indexed Annuities • Immediate Annuities • Deferred Income Annuities• Long Term Care • Long Term Care with Universal Life • Disability Income • Critical Illness • Medicare Supplement

• Term Life • Return of Premium • Fixed Universal Life • Indexed Universal Life • Second-to-Die • Traditional Whole Life • Final Expense • Multi-Year Guarantee Annuities • Fixed Annuities

VOLUME ONE - 2015fmiPath�nderAlways providing you a choice of options...where the path becomes apparent.

Industry Innovation

For many years this industry seemed to be complacent with manufacturing Term Life, Secondary Guarantee Universal Life, Whole Life, and Fixed Index Annuities. Though over the past 5 years our industry has been developing and manufacturing very innovative and e�ective products to serve your clients.

While we still have the “Traditional” Term, Secondary Guarantee Universal Life, and Whole Life products, there are very exciting variations available to you today. North American Company has an innovative Index UL that boasts excellent accumulationopportunity with Secondary Guarantees and includes Critical, Chronic and Terminal Illness riders (see page 17). Prudential o�ers a similar product that o�ers strong cash value guarantees and a comprehensive Long Term Care-like Chronic Illness Rider thatconsumers appreciate quickly. John Hancock has recently introduced their Healthy Lifestyle discount

program called Vitality in conjunction with theirindustry-�rst LifeTrack billing management platform (see

page 9). Lincoln National designed a U.S. Treasury Index Universal Life focused on using the Index Credits to

support the Secondary Guarantees (see page 15). Assurity Life is manufacturing a very competitive Participating

Whole Life that o�ers Critical Illness, Disability Income and many other riders (see page 24). Last but not least, AIG

American General has designed a Secondary Guarantee Universal Life that not only has a comprehensive Long Term

Care-like Chronic Illness Rider; it also includes a Longevity Rider that allows a policyholder to receive their own death bene�t if

they live to a certain age (see page 8).

Our industry is very healthy with innovation and developing products to �t your clients short and long term needs. With so many innovative

and e�ective products, you need a resource that knows all of the options available. Partner with your team at Financial Markets, Inc. to

design the right plan for your clients.

Thank you for doing business with Financial Markets, Inc.We are honored to serve you.

Deana BordewykRegional Marketing Vice President, Financial Markets, Inc.We are here for your life.SM

For agent use only. Not for consumer use.Copyright © 2015 Financial Markets, Inc.All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

Contact Us Today!Address: P.O. Box 3980, Rapid City, SD 57709Toll Free: 800-888-2829 • Fax: 888-782-9062Marketing: [email protected] Business: [email protected]: [email protected]

Table of ContentsTerm Life ....................................................... 2Return of Premium ..................................... 7Fixed Universal Life .................................... 8Indexed Universal Life .............................12Second-to-Die ...........................................20Traditional Whole Life ..............................23Final Expense .............................................25Multi-Year Guarantee Annuities .............28Fixed Annuities .........................................29Fixed Indexed Annuities ..........................32Immediate Annuities ...............................34Deferred Income Annuities .....................35Long Term Care .........................................35Long Term Care with Universal Life .......36Disability Income ......................................40Critical Illness .............................................40Medicare Supplement .............................41

http://www.fmiagent.com/

mailto:Marketing%40fmiAgent.com?subject=

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Accordia Life and Annuity Company A- by A.M. Best

Issue ages from 18 to 75. Age nearest birthday. Minimum face amount $50,000. Conversion option available with convertible waiver. Accidental Death Benefit Rider available. Additional Insured Rider available.

Level Terms Including: ART, 10, 20, & 30 Years

Rating:Features:

Product Type:

American General Life Companies A by A.M. BestIssue ages from 20 to 85. Age nearest birthday. Minimum face amount $100,000. Conversion option available. Select Income rider available. Disability Income Rider available.

Level Terms Including: 1, 10, 15 through 30 Years

Rating:Features:

Product Type:

Americo Financial Life and Annuity Insurance Company

A by A.M. Best

Issue ages from 20 to 75. Age last birthday. Minimum face amount $25,000. Waiver of Premium for Unemployment available. Accept/Reject through table 6. Non-med up to $400,000.

Non-Med Level Terms Including: 15, 20, 25 & 30 Years

Rating:Features:

Product Type:

Ameritas Life Insurance Corporation A by A.M. Best

Issue ages from 18 to 80. Age nearest birthday. Minimum face amount $100,000. Conversion option available with credits. 12-Month non-tobacco definition. Occasional cigar may qualify for non-tobacco rates.

Level Terms Including: 1, 10, 15, 20 & 30 Years

Rating:Features:

Product Type:

Assurity Life Insurance Company A- by A.M. Best

Issue ages from 18 to 74. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Other Insured Rider available. Critical Illness Rider available. Non-med up to $350,000.Level Terms Including: 10, 15, 20 & 30 Years Non-Med Level Terms Including: 10, 15, 20 & 30 Years

Rating:Features:

Product Type:

Banner Life Insurance Company A+ by A.M. Best

Issue ages from 20 to 75. Age nearest birthday. Minimum face amount $100,000. Conversion option available. 12-Month non-tobacco definition.

Level Terms Including: 10, 15, 20 & 30 Years

Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. BestIssue ages from 0 to 80. Age nearest birthday. Minimum face amount $50,000. Conversion option available. Occasional cigar use may qualify for non-tobacco rates. Liberal height and weight chart.

Level Terms Including: 10, 15 & 20 Years

Rating:Features:

Product Type:

Term Life Insurance

For agent use only. Not all of our companies or products are listed. Please contact Marketing Department at 800-888-2829 for specific companies and products. Refer to product brochures for complete details. Information subject to change without notice. Products available in most states. (07/15) Copyright © 2015. Financial Markets, Inc., PO Box 3980, Rapid City, SD 57709 • 800-888-2829 • www.fmiAgent.com

2

Old MonthlyPremium

NewMonthly

Premium2

% Change

Female, 50Preferred Non-tobacco$500K, 20-Year

$86.10 $72.10 -16%

Female, 45Preferred Non-tobacco$250K, 30-Year

$48.91 $42.79 -13%

Female, 65Preferred Non-tobacco$1.5M, 20-Year

$1,043.79 $924.35 -11%

Male, 65Standard Plus Non-tobacco$250K, 20-Year

$339.41 $303.32 -11%

Male, 65Standard Non-tobacco$1.5M, 15-Year

$1,616.04 $1,445.41 -11%

Female, 50Standard Non-tobacco$500K, 30-Year

$208.16 $188.91 -9%

Male, 35Standard Plus Non-tobacco$250K, 15-Year

$19.60 $18.51 -6%

Male, 55Preferred Plus Non-tobacco$250K, 30-Year

$141.66 $135.32 -4%

LEARN MORE

1 Comparison based on 15, 20, 25, 30 year term duration, male and female quinquennial ages 20-75, $250K, $500K and $1.5M face amounts in non-tobacco underwriting classes, against 14 leading competitors. 960 cells sampled on 5/31/2015.

2 Premium rates current as of June 8, 2015, rates may vary by state. Premiums available for other rate classes, ages and payment plans. Premium charges depend on evidence of insurability. Premiums increase at the end of the guaranteed level premium period if renewed. Death benefit remains level.

Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers 07007, ICC10-07007. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. Products may not be available in all states and product features including rates may vary by state. © 2015 AIG. All rights reserved.FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION.AGLC106514 REV0615

•New, Lower, Market-Leading Pricing – with most AG Select-a-Term premium rates ranking among the leaders in popular durations and risk classes.1

•17 Tactical Term Periods – empowering your clients to choose policy durations that precisely match their needs.

AG Select-a-Term®

Rates effective June 8, 2015

Take a look.How can you beat a better product at a better price?

QUOTe TOdAY! Online or Mobile App www.aig.com/termlife

Choose AG Select-a-Term.

Name Address Address

Email | TelephoneLicense No. (if req'd)

3 fmiPathfinder Volume Two July 2015 Copyright © 2015. Financial Markets, Inc.


John Hancock Life InsuranceCompany

A+ by A.M. BestIssue ages from 18 to 80. Age nearest birthday. Minimum face amount $250,000. Conversion option available. Non-tobacco rates for non-cigarette nicotine users. Vitality program available.Level Terms Including: 10, 15 & 20 Years

Rating:Features:

Product Type:

Liberty Life Assurance Companyof Boston

A by A.M. Best

Issue ages from 18 to 70. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Receive up to 90% of death benefit early if diagnosed terminally or chronically ill. Non-med up to $250,000.Level Terms Including: 10, 15, 20 & 30 YearsNon-Med Level Terms Including: 10, 15, 20 & 30 Years

Rating:Features:

Product Type:

Lincoln National Life Insurance Company

A+ by A.M. BestIssue ages from 18 to 80. Age nearest birthday. Minimum face amount $250,000. Conversion option available. Non-tobacco rates for non-cigarette nicotine users.


Rating:Features:

Product Type:

National Western Life Insurance Company

A by A.M. BestIssue ages from 20 to 65. Age last birthday. Minimum face amount $15,000. Graded benefit for 3 years. No tobacco classification. Liberal height and weight chart. Non-med up to $150,000.Graded Terms Including: 10 & 20 Years

Rating:Features:

Product Type:

North American Company for Life and Health Insurance

A+ by A.M. BestIssue ages from 18 to 75. Age nearest birthday. Minimum face amount $100,000. Convertible to any new permanent product currently offered. Accelerated Benefit Rider available.


Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. Best

Issue ages from 18 to 75. Age nearest birthday. Minimum face amount $100,000. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates.

Level Terms Including: 10, 15, 20, 25 & 30 Years

Rating:Features:

Product Type:

New York Life Insurance A++ by A.M. Best

Issue ages from 15 to 65. Age nearest birthday. Minimum first year premium $20,000. Conversion options available with conversion credit. Receive portion of the death benefit if diagnosed terminally ill with optional rider.Level Term including: YRT, 10 through 20 years

Rating:Features:

Product Type:

Term Life Insurance


4

L IFE SOLUTIONS

Products issued by:The Lincoln National Life Insurance Company Lincoln Life & Annuity Company of New YorkFor agent or broker use only. Not for use with the public.

NO IFS ANDS OR BUTTS Look to Lincoln underwriting for clients who like cigars

Special considerations for non-cigarette tobacco-using clientsDo any of your clients suffer from high life insurance premiums simply because they enjoy cigars or pipes? Lincoln‘s dedicated customer-focused underwriting takes a client’s entire risk profile into account.

Lincoln offers the standard nonsmoker risk classification to tobacco-using individuals who

• Meet all standard criteria and other criteria described in underwritingguidelines

• Use chewing tobacco, pipe or cigars

• May test positive for nicotine by urine sample

• Have not used cigarettes in the past 12 months

Lincoln delivers a variety of special programs to help meet the needs of your clients.

Find out more about Lincoln for Life and what it meansfor your business. Call your Lincoln representative today.

781660

Lincoln life insurance policies are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

Policies sold in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer.

All guarantees and benefits of the insurance policy are subject to the claims-paying ability of the issuing insurance company. They are not subject to the broker-dealer and/or insurance agency selling the policy, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer.

Products and features are subject to state

Not a deposit

Not FDIC-insured

Not insured by any federal government agency

Not guaranteed by any bank or savings association

May go down in value

©2013 Lincoln National Corporation

LincolnFinancial.com

Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.

Affiliates are separately responsible for their own financial and contractual obligations.

LCN-781660-1213 PDF 12/13 Z03 Order code: UW-TOBAC-FLI001

We are here for your life.SM

800-888-2829 www.fmiAgent.com

FinancialMarkets, Inc.



Transamerica Life Insurance Company

A+ by A.M. Best

Issue ages from 18 to 80. Age nearest birthday for Trendsetter Super and age last birthday for Trendsetter LB. Minimum face amount $25,000. Conversion option available. Occasional cigar use may qualify for non-tobacco rates. Non-med up to $249,999.

Level Terms Including: YRT, 10, 15, 20, 25 & 30 YearsNon-Med Level Terms Including: 10, 15, 20, 25 & 30 Years

Rating:Features:

Product Type:

United of Omaha Life Insurance Company

A+ by A.M. BestIssue ages from 18 to 80. Age last birthday. Minimum face amount $25,000. Conversion option available. 12-Month non-tobacco definition. Waiver of Premium for Unemployment available. Waiver of Premium for Residential Damage available. Non-med up to $300,000.

Level Terms Including: 10, 15, 20 & 30 YearsNon-Med Level Terms Including: 15, 20 & 30 Years

Rating:Features:

Product Type:

Prudential Insurance Company of America

A+ by A.M. BestIssue ages from 18 to 75. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Non-tobacco rates for non-cigarette nicotine users. Waiver of Premium for Unemployment available.Level Terms Including: 1, 10, 15, 20, 30 to Age 65 Years

Rating:Features:

Product Type:



Discounted CE Credits Online!Financial Markets, Inc. has partnered with WebCE, a leading nationwide provider of Continuing Education for insurance professionals, to provide you with state-approved self-study CE courses to satisfy your CE requirements online!

WebCE delivers over a half million courses annually and o�ers the largest nationwide catalog of courses approved to satisfy state-speci�c subject requirements on topics such as ethics, law, annuities and variable products, and LTC/LTC Partnership training.

View WebCE’s course catalog today! Vist www.fmiAgent.com and select Tool Kit

Term Life Insurance


6

American General Life Companies A by A.M. Best

Issue ages from 20 to 55. Age nearest birthday. Minimum face amount $100,000. Conversion option available. Reduced Paid-Up Option available.ROP Level Terms Including: 20 through 35 Years

Rating:Features:

Product Type:


Issue ages from 18 to 60. Age last birthday. Minimum face amount $50,000. Conversion option available with Critical Illness Rider. Non-med up to $350,000.ROP Level Terms Including: 20 & 30 YearsROP Non-Med Level Terms Including: 20 & 30 Years

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages from 18 to 65. Age last birthday. Minimum face amount $100,000. Conversion option available. Non-tobacco rates for non-cigarette nicotine users. Reduced Paid-Up Option available.ROP Level Terms Including: 15, 20 & 30 Years

Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 18 to 50. Age last birthday. Minimum face amount $25,000. Conversion option available. 12-Month non-tobacco definition. Waiver of Premium for Unemployment available. Waiver of Premium for Residential Damage available. Non-med up to $300,000.

ROP Non-Med Level Terms Including: 20 & 30 Years

Rating:Features:

Product Type:

Visit www.fmiAgent.com and click on Status

Check status of your applications

Return of Premium Term


7

Accordia Life and Annuity Company A- by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. 12-Month non-tobacco definition. Wellness Rider available. Life underwriting credit available through table 8 (subject to change).Universal Life

Rating:Features:

Product Type:


Issue ages from 18 to 80. Age nearest birthday. Minimum face amount $100,000. Low cost, high target with maturity at age 121. Up to Table C will be Standard. Living Benefit Solution/Asset Protector Rider available.

Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:

Americo Financial Life and AnnuityInsurance Company

A by A.M. Best

Issue ages from 20 to 60. Age last birthday. Minimum face amount $25,000. Return of Premium available. No-lapse guarantee periods of 15, 20, 25 and 30 years. Non-med up to $400,000.Simplified Issue Universal Life

Rating:Features:

Product Type:

Ameritas Life Insurance Corporation A by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $50,000. Care4Life Rider available. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit).Universal Life

Rating:Features:

Product Type:


Issue ages from 0 to 85. Age last birthday. Minimum face amount $25,000. Other Insured Rider available. Non-med up to $149,999.Universal Life

Rating:Features:

Product Type:

Banner Life Insurance Company A+ by A.M. BestIssue ages from 20 to 85. Age nearest birthday. Minimum face amount $50,000. 12-Month non-tobacco definition.


Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. Best

Issue ages from 0 to 80. Age nearest birthday. Minimum face amount $50,000. Occasional cigar use may qualify for non-tobacco rates.Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:

Fixed Universal Life


8For agent use only. Not all of our companies or products are listed. Please contact Marketing Department at 800-888-2829 for specific companies and products. Refer to product brochures for complete details. Information subject to change without notice. Products available in most states. (07/15) Copyright © 2015. Financial Markets, Inc., PO Box 3980, Rapid City, SD 57709 • 800-888-2829 • www.fmiAgent.com

Guiding you through life.

BUSINESS Advanced Markets

Buy-Sell ArrangementsSuccession Planning for Business Owners

CLIENT PROFILE

Situationy The owners want the business to stay with the remaining owners

or family members.

y They need a way to protect the business in case of the suddendeath, retirement or disability of one of the owners.

Solutiony Establish and fund a buy-sell arrangement with life insurance.

What is a Buy-Sell Arrangement?A buy-sell arrangement is a binding agreement in which oneparty agrees to buy and another party agrees to sell a businessinterest, upon a specified triggering event such as death,disability, or retirement.

Benefitsy Guarantee a Buyer: A buy-sell arrangement provides a

guaranteed buyer upon the death, disability, or retirement ofa business owner. Providing that the plan is funded, theremaining owners are protected against the sale of asignificant interest in the company to an unknown third party.

y Create Liquidity: At the death of one of the owners, his orher family may need cash for ordinary living expenses. The lifeinsurance used to fund the buy-sell arrangement will providethis liquidity.

BUSINESS PROFILE

Type:All closely held businesses, including soleproprietors, partnerships, S corporations and C corporations

Concern: Client desires that the business continues withthe remaining owners or family members

y Set a Fair Selling Price: A business valuation strategy isdetermined while all partners are active and it can usually benegotiated on an arm’s-length basis.

y Fix Value: A buy-sell arrangement negotiated at arm’s lengthordinarily sets the value for estate tax purposes.

Types of Buy-Sell ArrangementsThe two most commonly used buy-sell arrangements are theentity purchase plan and the cross-purchase plan:

y Entity Purchase Plan (Stock Redemption Plan) – Thisplan works best with multiple business owners. The businessowns a life insurance policy on each business owner andagrees to use the proceeds to redeem the stock of a businessowner upon death, retirement or disability.

y Cross-Purchase Plan – This plan is an arrangement in whicheach business owner owns a life insurance policy on the otherin order to have the funds available to buy out the shares of adeceased co-owner. This arrangement works best with three orless business owners.

Other types of buy-sell arrangements include:

y One-Way Buy-Sell Arrangement – A type of plan in whicha valued employee, who may be a family member or a keyperson in the business, will purchase and own a life insurancepolicy on the life of the business owner.

y Cross Endorsement Buy-Sell Arrangement (CEBS) – Eachbusiness owner will purchase and own a life insurance policy onhis or her life. The arrangement is structured as an endorsementsplit-dollar plan, so that a portion or all of the death benefitcan be endorsed for a “rental charge” to the other businessowners to satisfy the obligation under the buy-sell agreement.1

JH Solutions (John Hancock’s proprietary concept illustrationsoftware) can illustrate a variety of buy-sell arrangements and afull suite of marketing materials is also available on theseconcepts at www.jhsalesnet.com.

Page 1 of 2. Not valid without both pages.


1. Each owner may desire to endorse 100% of the death benefit to the other owners during the buy-sell period. The split-dollar final regulations are silent as to whether this ispermissable. Under the split-dollar final regulations, the economic benefit amounts received by each owner will be treated as rental income and taxed at ordinary income tax rates.In essence, the sum of all anticipated economic benefit amounts represents twice-taxed dollars. The present value of the combined income taxes on the sum of all anticipatedeconomic benefits is essentially an option price that the parties have agreed to at the outset to purchase the flexibility provided by the cross endorsement buy-sell arrangement.Clients should consult their tax advisors to discuss this issue.

2. In a cross endorsement arrangement, the life insurance policy can be owned by the individual business owner or by his/her irrevocable life insurance trust (ILIT).3. Section 101(j) of the Internal Revenue Code imposes income tax on the death benefit of life insurance contracts owned by the employer of the insured

unless certain exceptions apply. In addition the employer must show satisfaction of notice and consent requirements set forth in Section 101(j).For agent use only. This material may not be used with the public.This material is for informational purposes only. Although many of the topics presented may also involve tax, legal, accounting, or other issues, neither JohnHancock Life Insurance Company (U.S.A.) (John Hancock USA) nor any of its agents, employees, or registered representatives are in the business of offeringsuch advice. Individuals interested in these topics should consult with their own professional advisors to examine tax, legal, accounting or financial planningaspects of these topics.The amount of life insurance coverage that your client may qualify for would be subject to medical and financial underwriting requirements and may be more(or less) than applied for.Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02116 (not licensed in New York) and John Hancock Life InsuranceCompany of New York, Valhalla, NY 10595.© 2014 John Hancock. All rights reserved IM1436 02/14 MLINY020614018

BUSINESS Advanced Markets

Page 2 of 2. Not valid without both pages.

Scan this codeto find out more.

TYPES OF BUY-SELL ARRANGEMENTS

Cross-Purchase One-Way Entity Purchase Cross Endorsement

What is it? Each owner agrees to buythe business interest of theother owners

Key employee agrees to buythe business from the owner

Business agrees to buy theinterest of deceased owners

Each owner enters intoendorsement split dollarplan with the others2

Funding with LifeInsurance3

Each owner buys a lifeinsurance policy on theothers

Key employee buys a lifeinsurance policy on theowner

Business buys a policy onthe life of each owner

Each business owner buys apolicy on his/her own life

How does it work? Owners enter into cross-purchase arrangement witheach other

Key employee enters into aone-way arrangement withthe owner

Business and each ownerenter into a redemptionagreement

Each owner endorses aportion of the death benefitto the other owners

Who pays the life insurance premiums?

Policy owners pay premiums, may be fundedby bonus plan

Policy owner pays premiums, may be fundedby bonus plan

Business pays the premiums Each owner pays an annual“rental” charge to theothers; may also be fundedwith bonus

Does corporate AlternativeMinimum Tax (AMT) apply?

No No Yes (if it is a C corporation,AMT and accumulatedearnings tax may apply)

No

Does insurance increasethe value of the business?

No No Yes No

For whom does it workbest?

Businesses with three orfewer owners

Businesses with one owner C corporations and businesses with severalowners

Business owners who wantflexibility for changing needs




10Copyright © 2015. Financial Markets, Inc. July 2015 fmiPathfinder Volume Two


Everyone Wins with Protection UL with Vitality and Rolling Targets!Protection UL is already a leader in the industry for affordable death benefit protection. And now with Vitality, your clients can receive even greater premium savings plus other discounts as a reward for living a healthy lifestyle.

In addition to the benefits your client receives, Rolling Targets are now offered on Protection UL with Vitality — delivering an extra boost to compensation for you.

Extra Compensation with Rolling Targets

Male, 55, Preferred Non Smoker, $1,000,000, Level-Pay

PREMIUMTARGET COMMISSIONABLE

PREMIUM

Protection UL ‘13 $11,215 $11,215

Protection UL ‘15 with Vitality $9,764 $11,695

This is a supplemental illustration. Not all benefits and values are guaranteed. The assumptions on which the non-guaranteed elements are based are subject to change by the insurer. Actual results may be more or less favorable. Protection UL ‘13 premium is based on current assumptions, solve to $1 at 121, and includes a guarantee to age 80. Protection UL ‘15 premium is based on current assumptions, solve to $1 at 121, Gold Vitality Status, and includes a guarantee to age 82. Rolling Targets apply to the first 24 months of the policy (not available in New York).

For agent use only. Not for use with the public.Paying a premium amount that differs from an originally illustrated amount could reduce the duration of the policy’s Death Benefit Protection feature or impact other features of your policy.Vitality Rewards may vary based on the ownership and inforce status of the insurance policy, and the state where the insurance policy was issued.John Hancock Vitality Program rewards and discounts are only available to the person insured under the eligible life insurance policy.Insurance policies and/or associated riders and features may not be available in all states.Guaranteed product features are dependent upon minimum premium requirements and the claims-paying ability of the issuer.Vitality is the provider of the John Hancock Vitality Program in connection with the life insurance policy and Healthy Engagement Rider. Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.LIFE-5930 4/15 MLINY031915160

Protection UL with

Protection UL with Vitality offers a 13% lower premium and 4% higher compensation than Protection UL ’13!

With Protection UL with Vitality and Rolling Targets, everyone wins.







A+ by A.M. BestIssue ages from 0 to 90. Age nearest birthday. Minimum face amount $50,000. Non-tobacco rates for non- cigarette nicotine user. Long-Term Care Rider available. Quit smoking incentive. Vitality program available.Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. Non-tobacco rates for non-cigarette nicotine user. Change of Insured Rider available. Table shave available up to table 3 (subject to change).


Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 0 to 85. Age nearest birthday for Custom Guarantee and Custom TermGUL and age last birthday for Custom GrowthCV. Minimum face amount $25,000. Chronic Illness Rider available.Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Long-Term Care Rider available.Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 0 to 90. Age last birthday. Minimum face amount $25,000. Non-tobacco rates for non-cigarette nicotine user. Dial-a-Guarantee feature available.Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


Issue ages from 0 to 90. Age nearest birthday. Minimum first year premium $20,000. No-Lapse Guarantee and Lapse Protection Rider available.

Universal Life, Single Premium Universal Life

Rating:Features:

Product Type:



12


A+ by A.M. BestIssue ages from 0 to 85. Age last birthday. Minimum face amount $25,000. Non-med up to $250,000.


Rating:Features:

Product Type:


Compare Apples to Apples with ourFREE Term and UL Quick Quoter!

Compare Products From Major Carriers!• American General• Ameritas Life• Assurity Life• Banner Life• Genworth Life

• Lincoln National Life• North American• Protective Life• Prudential Life• Transamerica Life• United of Omaha

Download today atwww.fmiAgent.com

under Quotes tab

Exclusive to producers of Financial Markets, Inc.


13

Accordia Life and Annuity Company A- by A.M. Best

Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. 12-Month non-tobacco definition. Wellness Rider available. Life underwriting credit available through table 8 (subject to change).Indexed Universal Life

Rating:Features:

Product Type:

American General Life Companies A by A.M. BestIssue ages from 0 to 85. Age nearest birthday. Minimum face amount $100,000. Many optional riders available. Up to Table C will be Standard.Indexed Universal Life

Rating:Features:

Product Type:


Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $50,000. Care4Life Rider available. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit).Indexed Universal Life

Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. Best

Issue ages from 0 to 80. Age nearest birthday. Minimum face amount $100,000. Occasional cigar use may qualify for non-tobacco rates. Long-Term Care Rider available.Indexed Universal Life

Rating:Features:

Product Type:

John Hancock Life Insurance Company

A+ by A.M. Best

Issue ages from 0 to 90. Age nearest birthday. Minimum face amount $50,000. Non tobacco rates for non-cigarette nicotine users. Long-Term Care Rider available. Quit smoking incentive.Indexed Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:

Lincoln National Life InsuranceCompany

A+ by A.M. Best

Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $100,000. Non-tobacco rates for non- cigarette nicotine users. Change of Insured Rider available. Table shave available up to table 3 (subject to change).

Indexed Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 0 to 85. Age nearest birthday for Guarantee Builder IUL and age last birthday for Builder IUL and Rapid Builder IUL. Minimum face amount $25,000. Chronic Illness Rider available. Competitive for use in business planning.

Indexed Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:

Indexed Universal Life



Policies issued by: American General Life Insurance Company (AGL), Policy Form Numbers 13460, ICC13-13460, 13717, ICC13-13717; Rider Form Numbers 13600, ICC13-13600,13601, 13972. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. Products may not be available in all states and product features may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.

FOR FINANCIAL PROFESSIONAL USE ONLY — NOT FOR PUBLIC DISTRIBUTION

AGLC108343-FM © AIG 2015. All rights reserved.

Market-leading pricing— as much as 10% below most GUL policies

At last, an affordable alternative to GUL: Introducing Value+ IUL

Value+ IUL is a new protection-focused product that combines many of the advantages of guaranteed universal life with special features to access cash value. It offers an indemnity-based chronic illness rider with unique, flexible features available only through American General Life.

Value+ IUL is part of our robust suite of life insurance products with Optionality® consisting of innovative term, GUL and IUL policies with unique provisions for living benefits, access to cash, personalized durations and more.



Protective Life Insurance Company A+ by A.M. Best

Issue ages from 0 to 75. Age nearest birthday. Minimum face amount $100,000. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Long-Term Care Rider available.Indexed Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 0 to 85. Age last birthday. Minimum face amount $100,000. Non-tobacco rates for non-cigarette nicotine users. Dial-a-Guarantee feature and BenefitAccess Rider available.Indexed Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:

Transamerica Life InsuranceCompany

A+ by A.M. Best

Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. Occasional cigar use may qualify for non-tobacco rates.Indexed Universal Life

Rating:Features:

Product Type:

Indexed Universal Life

Why Pay for E&OWhen You Can Get ItFOR FREE!

Call Financial Markets, Inc. Today!

800-888-2829We are here for your life.SM


To show our appreciation for yourbusiness, policies placed withFinancial Markets, Inc. can becovered under our group policyFREE OF CHARGE!

Visit us online at www.fmiAgent.comFor agent use only. Not all of our companies or products are listed. Please contact Marketing Department at 800-888-2829 for specific companies and products. Refer to product brochures for complete details. Information subject to change without notice. Products available in most states. (07/15) Copyright © 2015. Financial Markets, Inc., PO Box 3980, Rapid City, SD 57709 • 800-888-2829 • www.fmiAgent.com

16

Filling the retirement portfolio gapwith indexed UL By Josh Durand

Life insurance is often bought and sold based on the size of a death benefit. That is, after all, the longestablished value proposition of a life insurance policy: it is an asset that provides financial protection in the event of death. However, in recent years, product development efforts have focused on making life insurance policies valuable during one’s lifetime, in addition to providing death benefit protection. One of the compelling “living benefits” of a properly designed Indexed Universal life (IUL) insurance policy is supplemental retirement income. Today, withretirement confidence levels continuing to slip, andprojections that the Social Security retirement and disability trust funds will become depleted by 20331, clients need options to complement workplaceretirement savings plans and close gaps in their retirement portfolio. While investments such as stocks, bonds, and mutual funds may be natural retirement portfolio considerations, the tax-advantaged growth potential and tax-efficient cash distributions of Indexed Universal life (IUL) insurance are often overlooked. Generally speaking, in addition to a death benefit, single-life and survivorship IUL policies offer cash value growth potential through account options that credit interest based on the performance of a market index such as the S&P 500. Fixed accounts are also commonly available. The cash value can be accessed through loans or withdrawals of the policy value2. Provided the IUL policy is not a modified

endowment contract (MEC)3, the cash accumulation and distributions offer tax advantages similar to a Roth retirement account. An IUL policy’s account value is able to grow tax-free, and cash value accessed from the policy is not taxed because it is not considered income under current law. This results in greater net cash flow without impacting the client’s tax status. This is significant as taxes are often an overlooked aspect of retirement planning. A recent LincolnFinancial Group Survey found that 36 percent of retirees said taxes were a larger expense than they had anticipated, while 23 percent didn’t even consider planning for taxes as an expense prior to retirement4. The “non-income” categorization of the distributions also means there is no effect on how much clients receive in Social Security benefits, pay in capital gains or Medicare premiums, all of which are impacted by Adjusted Gross Income or Modified Adjusted Gross Income, and commonly impacted by other classes of retirement assets. Putting the advantages to work When considering post-retirement expenses, generally speaking there are four categories (see chart): ‘Needs, ‘Wants, ‘Dreams’ and ‘Legacy.’ Often, thedistribution phase of retirement is structured where: • traditional assets such as a 401K or social security fund the ‘needs’ and some of the ‘wants’; • annuities, dividends, and interest are used for the ‘wants’ and ‘dreams’; and • the ‘legacy’ is usually a conversion of unused assets. This traditional planning model, however, can be supplemented using the tax advantaged living benefits of IUL policies for greater purchasing power for some of the ‘needs’, ‘wants’, and ‘dreams’, along with the death benefit to fund the ‘legacy’. Using an IUL policy for retirement planning can also give clients greater flexibility in choosing when to retire. For example, clients retiring at age 65 with a plan of depleting assets to life expectancy can use the IUL cash value as a source of backup income should they live past life expectancy, while knowing they can


Filling the retirement portfolio gapwith indexed UL

transfer a tax-free death benefit to heirs if not. Conversely, individuals who choose to retire early can use an IUL policy to provide a cash stream for the years until they can access money in a 401(k) or other retirement account without early withdrawal fees. Likewise, clients retiring early can access their IUL account value in the years before taking Social Security so as not to reduce the benefit for which they are eligible through the program. Whether retirement is 5 years away or 30, it is essential that clients have a comprehensive plan that takes into account the expected, and perhaps more importantly, the unexpected. Everyone has notions of what the future might hold, but as life moves forward, circumstances change and goals change. That is perhaps where IUL living benefits yield their greatest value. As a complement to traditional retire-ment assets, these benefits provide increased flexibility and control, and allow traditional assets to be used more efficiently, with the added benefit of knowing that a legacy is in place through the policy’s death benefit. While most clients will have one or more of the traditional types of retirement assets — taxable investments, tax-deferred contribution, or tax-advantaged investments that generate tax-free income like Roth IRAs — the living benefits of IUL policies may

LegacyHeirs, charities

DreamsGrandchild’s education

vacation home, RV

WantsTravel, entertainment, gifts

NeedsFood, shelter, clothing

Employer pension,401K, IRA,

Social Security

Annuities,dividends, interest

Assetconversions

Life insurancedeath benefits

Life insuranceliving benefits

Expenses Traditional planning Supplemental assets

provide a supplemental cash source that can help clients enjoy retirement as intended without the worries of impacting modified adjusted grossincome, tax brackets, capital gains or access togovernment programs.

1. SSA, 2014 Annual Social Security and Medicare Trust Fund Reports.2. Loans and withdrawals will reduce the policy’s account value and deathbenefit, may affect guarantees, may cause the policy to lapse, and may have tax consequences.3. Withdrawals and surrenders are tax-free up to the cost basis, provided the policy is not a modified endowment contract (MEC). A MEC policy is one in which the life insurance limits exceed certain high levels of premium, or the cumulative premium payments exceed certain amounts specified under the Internal Revenue Code. For policies that are MECs, distributions during the life of the insured, including loans, are first treated as taxable to the extent of income in the contract; and an additional 10% federal income tax may apply for withdrawals made prior to age 59½.4. “2013 – Expense Challenges of Age 62-75 Retirees ,” June 2014.

Reprinted with the permission of Summit Professional Networks by Lincoln Financial Distributors, Inc. Lincoln Financial Group is themarketing name of Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations. The views expressed are those of the author as of the date specified, are subject to change and may differ from those of the firm as a whole. These opinions are not intended to be a forecast of future events, a guarantee of future results or investment advice. All data referenced are from sources believed to be reliable but cannot be guaranteed.


NAM-3149 2/14 FOR AGENT USE ONLY. NOT TO BE USED FOR CONSUMER SOLICITATION

Top Competitive Advantages Of North American Company Privately Held: You have our commitment to focus on our customers, distributors, and shareholders

without concerning ourselves with a short-term view. Long-Term Focus: We practice disciplined financial stewardship and are well diversified with a

conservative investment strategy. Fastest-Growing Life Carrier: North American has experienced tremendous growth, averaging over

16%1 growth in first year sales over the last seven years. Strong Financial Ratings: Our ratings include "A+" (Superior) by A.M. Best and "A+" (Strong) by

Standard & Poor's.2

Of North American’s Life Products Guaranteed Universal Life: Custom Guarantee UL

1. Guaranteed Exchange Privilege With this privilege, the policyholders can exchange their Custom Guarantee policy to one of North American’s universal life insurance products that focuses on cash value accumulation, (products must be available at the time of exchange). The exchange is made without underwriting, so they’ll have flexibility even if their health changes.

2. Guaranteed Death Benefit to age 120 Plus, there are no premium payments after age 100, guaranteed.3

3. Available for Term Conversions 4. Guaranteed Insurability Rider This rider provides the primary insured with the option to increase the

death benefit coverage by a specified amount up to ten times without evidence of insurability on preset election dates. Issue ages: 15 days to 40 years old. Minimum Issue Amount: $1,000. Maximum Issue Amount: the lesser of the base policy’s Total Benefit Amount on the date the owner purchases the rider and $50,000.

5. Accelerated Death Benefit Endorsement4 North American Company automatically includes the accelerated death benefit feature at policy issue for no additional premium5 on all applicable policies. The Accelerated Death Benefit Endorsements may cover critical6, chronic7 and terminal illness. Please note that benefits may vary by product and state.

Indexed Universal Life: Builder IUL®, Guarantee Builder IUL® and Rapid Builder IUL® 1. The Index Credit Interest is calculated using the beginning value of the Index Segment. Monthly

deductions for policy charges and expenses during the Index Period will not reduce the Index Segment value on which the Index Credit is based.

2. Interest Bonus on Index Account Contractually guaranteed interest bonus is 0.75% in years 11+ (Contractually guaranteed interest bonus for Rapid Builder IUL is 0.50% in years 16+). The interest bonus is applied after the participation rate, cap, and floor.



3. Minimum Account Value (3% True-up) A Minimum Account Value will be calculated using a 3.0% annual interest rate guarantee and current policy charges and expenses, assuming that all premiums are allocated to the Fixed Account.

a. Every eight years, starting on the eighth policy anniversary, the policy account value will be increased to equal the Minimum Account Value (if higher). If the policy account value already exceeds the Minimum Account Value at the time of the comparison, neither one will be adjusted. The additional value, if any, will be allocated to the Fixed Account.

b. If the insured dies, the policy is surrendered, the policy is in danger of lapsing due to insufficient premium or the policy reaches its maturity date, the policy Account Value will be at least as large as the Minimum Account Value.

4. Protected Death Benefit8 The guarantee provided allows the clients to choose their minimum death benefit amount, while they continue to access their accumulated policy values through loans or withdrawals. The maximum benefit is determined by the net cash surrender value at the time of election.

5. Waiver of Surrender Charge Option Available on Rapid Builder IUL, the election of this option can help clients avoid costly surrender charges should the need to surrender the policy arise.

a. Option must be selected at the time of application. b. Rapid Builder IUL Premium load is 0% c. Available for an additional charge of $.03-.08 per $1,000 of Specified Amount per month for 14

years from issue and from each increase, depending on issue age and underwriting class. d. Target premiums under this option are equal to approximately 62% of the Rapid Builder IUL

base plan target premium. e. Table shaving feature is available for policies that include the Waiver of Surrender Charge

Option. Qualifying rated cases include policies up to $5 million for ages 0-75 and policies up to $1 million for ages 76-80.

6. Variable Interest Rate Loans: In no case will the variable loan interest rate exceed the maximum variable loan interest rate shown in the schedule of policy benefits. The maximum variable loan interest rate is defined as the lesser of:

a. 6%; or b. The greater of the Moody’s Corporate Bond Yield, as published by Moody’s Investors Services,

Inc., or 4.0%

Level Term: ADDvantage Term 10, 15, 20, 30

1. Conversion Privilege Conversion is allowed during the level premium period of the policy, or through age 74 (69 for ADDvantage 30), whichever is earlier. The conversion period is never less than five years, regardless of issue age. With ADDvantage term, clients may convert their policy to any one of North American’s currently available permanent life insurance products without any physical exam.



CALIFORNIA NOTE: Agents offering, marketing, or selling accelerated death benefits in this state must be able to describe the differences between benefits provided under an accelerated death benefit for chronic illness and benefits provided under long-term care insurance to clients. You must provide clients with the ADBE Consumer Brochure for California (NAM-3013) that includes this comparison. Index Universal Life products are not a investment in the “market” or in the applicable index and are subject to all policy fees and charges normally associated with most universal life insurance. Neither North American Company nor its agents give legal or tax advice. Please advise your customers to consult with and rely on a qualified legal or tax advisor before entering into or paying additional premiums with respect to such arrangements. IRS CIRCULAR 230 NOTICE Any tax advice included in this written or electronic communication, including any attachments, was not intended or written to be used, and it cannot be used by you or any taxpayer for the purpose of avoiding any penalties that may be imposed on you or any other person under the Internal Revenue Code or applicable state or local tax law provisions. Although any tax advice contained herein was written to support the promotion or marketing of the transaction(s) matter(s) addressed by the advice, it cannot be used by you or any taxpayer to, promote, market or recommend to another party any transaction or matter addressed herein. Taxpayers should seek advice based on their particular circumstances from an independent tax advisor. 1Internal Distribution Report, 12/31/2014 2 A.M. Best Company rating effective May 30, 2014. A+ is the 2nd of 15 categories. Standard and Poor's awarded its "A+" (Strong) rating for insurer financial strength on February 26, 2009 and affirmed on May 15, 2014 to North American, as part of Sammons Financial Group. The "A+" (Strong) rating is the fifth highest out of 22 available ratings. A.M. Best and Standard and Poor's are third party independent reporting and rating companies that rate insurance companies on the basis of the company's financial strength, operating performance, and ability to meet its obligations to policyholders. For detailed information about these companies, their ratings, and to learn more about North American Company's financial strength, please visit the About Us section of www.NorthAmericanCompany.com, or refer to the North American Company Annual Report. 3 Subject to premium payment requirements. 4 Subject to eligibility requirements. 5 An administrative fee is required at time of election for the Chronic or Terminal Illness benefit. 6 Not available in California, Connecticut or Florida. 7 CALIFORNIA NOTE. Refer to endorsement form LR492 or the Consumer Brochure NAM-3013 for complete details regarding the chronic illness benefit offered in this state. 8 If Policy has a Premium Guarantee Rider attached to it, such rider will be terminated upon the election of the Protected Death Benefit. The Protected Death Benefit cannot be elected if the Over loan Protection Benefit is in effect. The net cost of a variable interest rate loan could be negative if the credits earned are greater than the interest charged. The net cost of the loan could also be larger than under standard policy loans if the amount credited is less than the interest charged. In the extreme example, the amount credited could be zero and the net cost of the loan would equal the maximum interest rate charged on variable interest loans. In brief, Variable Interest Rate Loans have more uncertainty than Standard Policy Loans in both the interest rate charged and the interest rate credited. Custom Guarantee is issued on policy form series LS170, Accidental Death Benefit Rider is issued on form series LR370A, Children’s Term Rider is issued on form series LR456, Builder IUL is issued on policy form series LS172, Guarantee Builder IUL is issued on policy form series LS175, Rapid Builder IUL is issued on policy form series LS169, ADDvantage plans are issued on policy form series LS174, Accelerated Benefit Endorsement for Chronic Illness and Terminal Illness is issued on form series LR487, Accelerated Death Benefit Endorsement for Critical, Chronic and Terminal Illness is issued on form series LR477, Accelerated Benefit Endorsement for Terminal Illness is issued on form series LR488, Accelerated Death Benefit Endorsement - Chronic Illness, is issued on form LR492 California only, Guaranteed Insurability Rider is issued on form series LR373A, Waiver of Surrender Charge is issued on form series LR417A or state variations by North American Company for Life and Health Insurance, Administrative Office, Sioux Falls, SD 57193. Product features, riders, endorsements or issue ages may not be available in all jurisdictions. Limitations and restrictions may apply.



A+ by A.M. Best

Issue ages from 20 to 90. Age nearest birthday. Minimum face amount $250,000. Quit smoking incentive. Unique last-to-die term. Term period of 5 years. Non tobacco rates for non-cigarette nicotine users.Term Second-to-Die, Universal Life, Lifetime Guarantee, Index Universal Life

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages from 20 to 85. Age nearest birthday. Minimum face amount $100,000. Table shave available up to table 3 (subject to change). Will accept one “uninsurable”.Universal Life, Indexed Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


Issue ages from 20 to 90. Age nearest birthday. Minimum first year premium $20,000. Access to portion of death benefit if diagnosed terminally ill with Living Benefits Rider.

Universal Life, Custom Whole Life

Rating:Features:

Product Type:

Accordia Life and Annuity Company A- by A.M. BestIssue ages from 20 to 90. Age nearest birthday. Minimum face amount $250,000. Return of Premium Rider available. Life underwriting credit available through table 8 (subject to change). Will accept one “uninsurable”.Indexed Universal Life

Rating:Features:

Product Type:


Issue ages from 20 to 90. Age nearest birthday. Minimum face amount $100,000. Maturity at age 121. Will accept one “uninsurable”. Up to Table C will be Standard.Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


Issue ages from 18 to 85. Age nearest birthday. Minimum face amount $100,000. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit).Universal Life

Rating:Features:

Product Type:

Second-to-Die


22

GET TO KNOW WHY SOME CLIENTS “PREFER” US ...UNDERWRITING

© 2014 Prudential Financial, Inc. and its related entities. 0150749-00008-01 Ed. 2/2014 Exp. 08/05/2015

NOT FOR CONSUMER USE.

Some categories of individuals who may qualify for our Preferred Underwriting:

4�Most commercial and business pilots for U.S.-based airlines. (May qualify for Preferred Best rates.)4 Clients who plan to travel to most foreign countries for 6 months

or less annually (business or pleasure).1 (May qualify for Preferred Best rates.)4Scuba divers who dive up to 100 feet4�Individuals with cholesterol/HDL levels up to and including 6.0,

even if on cholesterol-lowering medications2

4Males/females 6’0”, ages 18-59, up to 228 pounds, BMI up to 313

4�Males/females 6’0”, ages 60 and over, up to 258 pounds, BMI up to 353

Some categories of individuals who may qualify for our advantageous Non-Smoker Plus ratings:

4Cigar/pipe smokers and smokeless tobacco users4Nicotine patch or Nicorette Gum® users4�Individuals with cholesterol/HDL levels up to and including 7.0,

even if on cholesterol-lowering medications4

4Male/Female 6’0”, ages 18–59, up to 242 pounds and BMI up to 334�Male/Female 6’0”, ages 60 and over, up to 294 pounds and BMI

up to 404�Pilots (excluding Student Pilots) 25 years of age or greater with more

than 600 hours in total flight time and between 30 and 300 hours per year

Some categories of individuals who may qualify for our advantageous Non-Smoker Plus ratings:

4Asthma 4Hepatitis C 4Bladder cancer 4Mood disorders4Breast cancer 4Prostate cancer4Build 4Rheumatoid arthritis4Coronary artery disease 4Thyroid cancer4Diabetes mellitus (adult onset)4Elevated liver function tests

Get to Know Why Some Clients “Prefer” Us ...UNDERWRITING

CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS

1 This does not apply to foreign countries Prudential considers to be extremely hazardous. Refer to the Foreign Travel Highlighter (0156069) for additional information.2Individuals with cholesterol levels up to and including 5.0 may qualify for Preferred Best, even if on cholesterol-lowering medications.3Individuals with BMI up to 29 for ages 18-59 and BMI up to 31 for ages 60 and over can qualify for Preferred Best.4A rating may apply for cholesterol readings over 300.

Rates and availability will vary based on the satisfaction of our underwriting criteria; underwriting rules are subject to change at our discretion.

This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client’s own advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code.

This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date.

Insurance issued by The Prudential Insurance Company of America and its affiliates, Newark, NJ.

Securities and Insurance Products:Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate.


Second-to-DieNorth American Company for

Life and Health InsuranceA+ by A.M. Best

Issue ages from 20 to 90. Age nearest birthday. Minimum face amount $200,000. Net zero loans available. Will accept one “uninsurable”.Indexed Universal Life

Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. BestIssue ages from 20 to 85. Age nearest birthday. Minimum face amount $250,000. Will accept one “uninsurable” Unique last-to-die term. Term periods of 10, 20 and 30 years.Term Second-to-Die, Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 18 to 85. Age last birthday. Minimum face amount $250,000. Non-tobacco rates for non-cigarette nicotine users. Will accept one “uninsurable”.


Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 18 to 85. Age last birthday. Minimum face amount $250,000. 4-Year Level Term Insurance Rider available. Will accept one “uninsurable”.Universal Life, Lifetime Guarantee

Rating:Features:

Product Type:

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Find Us OnSocial Media!




24

https://www.facebook.com/FinancialMarketsInc

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https://www.youtube.com/fmiAgent

Traditional Whole LifeAmeritas Life Insurance Corporation A by A.M. Best

Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $10,000. Child rider can be converted to a permanent policy. Total disability benefit rider available. Wellness underwriting credit (up to a 2 table credit).Traditional Par Whole Life

Rating:Features:

Product Type:


Issue ages from 0 to 85. Age last birthday. Minimum face amount $5,000. Graded benefit for 2 years. Single premium non-med up to $695,000.Traditional Par Whole Life, Non-Par Whole Life, Single Premium Whole Life, Graded Benefit Whole Life

Rating:Features:

Product Type:


A by A.M. BestTRADITIONAL PAR: Issue ages from 0 to 90. Age last birthday. Minimum face amount $15,000. Life-pay, 20-pay and paid up at 65 available. Non-med up to $250,000. INTEREST SENSITIVE SINGLE PREMIUM: Issue ages from 50 to 85. Age last birthday. Minimum premium $15,000. Jet underwriting. Non-med up to $225,000.

Traditional Par Whole Life, Interest Sensitive Single Premium Whole Life

Rating:Features:

Product Type:


Issue ages from 0 to 90. Age nearest birthday. Minimum first year premium $20,000. Chronic Care Rider available. Insurance Exchange Option Rider available.

Traditional Par Whole Life

Rating:Features:

Product Type:

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the bestannuity trainingin the industry!Learn about annuity concepts and access a helpful online consumer

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25

Product availability, features and rates may vary by state. This policy and its riders may contain reductions of benefi ts, limitations and exclusions. For costs and complete details of the coverage, please contact your agent, Assurity Life Insurance Company or ask to review the policy for more information. Two-year contestability and suicide provisions apply.

Maximize the benefi ts, minimize your cost with a Term Insurance Rider!Owning a LifeScape® Whole Life Insurance policy has many advantages – lifetime protection, accessible cash values, special rider options and solid guarantees.

Traditionally considered the “gold standard” of life insurance protection, whole life offers a variety of benefi ts no other single fi nancial product can match.

But if your protection needs are substantial – for example, protecting a young family, a new business or a mortgage – you may wonder if whole life insurance is within your budget.

The reality is that a LifeScape Whole Life Insurance policy from Assurity can be very affordable over the long term; in fact, it may be a better value than term insurance. The premiums remain level throughout your life. Plus, the policy’s cash value accumulation can provide a source of funds for the future.

Many whole life policies are sold in tandem with an optional term insurance rider to maximize protection but keep the cost low. The term rider also allows you to increase the amount of permanent protection over time by converting some of the term coverage as fi nancial circumstances allow.

The following example for $250,000 total coverage illustrates how you can achieve a larger death benefi t at a lower cost by varying the whole life policy and level term rider amounts:

A LifeScape Whole Life policy off ers:

Guarantees • Premiums will never increase• Coverage amounts will never decrease• Policy values grow at a competitive rate

Tax advantages• Cash values grow tax-deferred • Death benefi t to benefi ciaries is income tax-free • Tax-free withdrawals and policy loans

Enhanced protection • Automatic living benefi ts riders • Optional benefi t riders

LifeScape Whole Life’s array of versatile optional riders also give you the ability to “custom-blend” your own protection package to fi t your current and future needs precisely.

Throughout changing economic environments, whole life insurance has proven to be an effective fi nancial tool, helping generations of families and business owners achieve their long-range goals. It makes good sense to place your confi dence in LifeScape Whole Life, for protection that provides guarantees and the fl exibility to adapt to your changing needs.

* 10-Year Level Term Rider coverage expires and is not renewable beyond the 10-year term period.

LifeScape® Whole Life Insurance

We’re all in.

PO Box 82533 • Lincoln, NE 68501-2533www.assurity.com

Policy Form No. I L0880. Rider Form Nos. R I0884, R I0885.

15-276-01101 (Rev. 5/13)

$25,000Whole Life

Premium: $40.32

50 100 150 200 250 300

$299.93

$182.15

$64.98

Total Monthly Premium

$250,000 Whole LifePremium: $299.93

$125,000 10-Year Level Term Rider*Premium: $13.70

$125,000 Whole LifePremium: $168.45

$225,000 10-Year Level Term Rider*Premium: $24.66

+

+

Male, Age 35, Select Non-Tobacco$250,000 Total Face Amount

26Copyright © 2015. Financial Markets, Inc. July 2015 fmiPathfinder Volume TwoFor agent use only. Not all of our companies or products are listed. Please contact Marketing Department at 800-888-2829 for specific companies and products. Refer to product brochures for complete details. Information subject to change without notice. Products available in most states. (07/15) Copyright © 2015. Financial Markets, Inc., PO Box 3980, Rapid City, SD 57709 • 800-888-2829 • www.fmiAgent.com

American Memorial Life Insurance Company

A- by A.M. BestIssue ages from 0 to 85. Age last birthday. Face amounts from $3,000 to $50,000. High commission. No face-to-face sale required. Non-med up to $50,000.Non-Par Whole Life

Rating:Features:

Product Type:


A by A.M. Best

IMMEDIATE DEATH BENEFIT: Issue ages from 50 to 85. Age last birthday. Minimum face amount $2,000. Non-tobacco rates for non-cigarette users. Non-med up to $30,000. GRADED DEATH BENEFIT: Issue ages from 50 to 75. Age last birthday. Minimum face amount $2,000. Graded benefit for 3 years. Guaranteed issue up to $10,000.

Non-Par Whole Life, Graded Benefit Whole Life

Rating:Features:

Product Type:


Issue ages from 0 to 85. Age last birthday. Minimum face amount $5,000. Single-pay available. Gradedbenefit for 2 years. Single premium non-med up to $695,000.

Traditional Par Whole Life, Non-Par Whole Life, Single Premium Whole Life, Graded Benefit Whole Life

Rating:Features:

Product Type:

Final Expense


A by A.M. BestTRADITIONAL PAR: Issue ages from 0 to 90. Age last birthday. Minimum face amount $15,000. Life-pay, 20-pay and paid up at 65 available. Non-med up to $250,000. INTEREST SENSITIVE SINGLE PREMIUM: Issue ages from 50 to 85. Age last birthday. Minimum premium $15,000. Jet underwriting. Non-med up to $225,000.

Traditional Par Whole Life, Interest Sensitive Single Premium Whole Life

Rating:Features:

Product Type:


A by A.M. Best

Issue ages from 20 to 75. Age last birthday. Minimum face amount $15,000. Graded benefit for 3 years. No tobacco classification. Non-med up to $150,000.


Rating:Features:

Product Type:

Oxford Life Insurance Company A- by A.M. Best

Issue ages from 50 to 85. Age last birthday. Minimum face amount $5,000. Policies issued within 48 hours on average. Non-med up to $478,000.

Non-Par Whole Life, Single Premium Whole Life

Rating:Features:

Product Type:


27


A+ by A.M. Best

Issue ages from 0 to 85. Age nearest birthday for Guaranteed Whole Life and age last birthday for Final Expense Solutions. Minimum face amount $1,000. Graded benefit for 2 years. Non-med up to $50,000.Non-Par Whole Life, Graded Benefit Whole Life

Rating:Features:

Product Type:


A+ by A.M. Best

Issue ages from 0 to 85. Age last birthday. Face amounts from $2,000 to $40,000. Specialty children’s product available. Graded benefit for 2 years. Non-med up to $40,000.


Rating:Features:

Product Type:

Final Expense

To Age 55: $1,349,999Americo -- $250,000Assurity -- $350,000

Liberty Mutual -- $250,000Transamerica -- $249,999

United of Omaha -- $250,000


Liberty Mutual -- $250,000Transamerica -- $249,999



Liberty Mutual -- $250,000Transamerica – $50,000


To Age 70: $300,000Americo -- $250,000

Transamerica-- $50,000

To Age 75: $250,000Americo -- $250,000

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JOHN HANCOCK’S

Advanced Markets MicrositesProviding you with the tools you need to close cases.

For quick access to all these sites, bookmark www.jhadvancedmarkets.com

NEW! JHSOLUTIONS.COM

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Access JH Solutions anytime, anywhere with this proprietary tool. Illustrate concepts such as lifetime gifting, annuity maximization, and invest in your life.

NEW! INTERACTIVE STATE MAP

www.jhsalesnet.com

Explore some of the laws that vary between states, including: income taxes, estate taxes, marriage recognition for same-sex couples and creditor protection.

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NEEDS ANALYSIS CALCULATOR

www.jhadvancedmarkets.com/ needsanalysiscalculator

This interactive tool can help determine life insurance coverage.

BUSINESS VALUATION CALCULATOR

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A useful tool to help determine the approximate value of a client’s business.

CONCEPT NAVIGATOR

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Access a virtual library of Advanced Markets marketing materials.

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For more information please go to www.jhsalesmaven.com, scan the QR Code to view the site instantlyfrom your mobile device, or call John Hancock Advanced Markets Group at 1-888-266-7498, Option 3.

DiscoveryQuestions• The right questionsto uncover thosehidden opportunities

“Where Can I Findthis Client?”• Marketing ideas tohelp identify the clientthat would benefitfrom this solution

Client ApprovedMarketing Materials• Easy access to sales tools,such as success strategies,sales strategies and fillablefact finders

Helping you uncover life insurance opportunitiesin a faster, simpler way.

For Agent Use Only. Not for use with the public.

Insurance policies and/or associated riders and features may not be available in all states.

Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston,MA 02116 (not licensed in NewYork) and John Hancock Life Insurance Company of NewYork,Valhalla, NY 10595. MLINY03111318361

JH Sales Maven was designed to helpyou ask the right questions to uncoverthe right life insurance solutions tofit into clients’ overall financial plans.From Business Planning,WealthTransfer and Personal Planningconcepts, JH Sales Maven’s intuitivenavigation and series of questionscan help identify where financial needsmay exist, provide solutions — andcreate sales opportunities.

JH Sales Maven features planning opportunity guidance for the business, personaland wealth transfer client. For each client segment, tools include:

JH SALES MAVEN

www.jhsalesmaven.com

This tool is an online guide that helps uncover basic life insurance opportunities.

For Agent Use Only. This material may not be used with the public.This material does not constitute tax, legal or accounting advice and neither John Hancock nor any of its agents, employees or registered representatives are in the business of offering such advice. It was not intended or written for use and cannot be used by any taxpayer for the purpose of avoiding any IRS penalty. It was written to support the marketing of the transactions or topics it addresses. Comments on taxation are based on John Hancock’s understanding of current tax law, which is subject to change. Anyone interested in these transactions or topics should seek advice based on his or her particular circumstances from independent professional advisors.Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02117 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.LIFE-5681 10/14 MLINY102714207


American General Life Companies A by A.M. BestIssue ages through 85. Minimum premium $10,000.Guarantee period options of 5 to 10 years. Penalty Free Withdrawals – 15% after the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:


A by A.M. BestIssue ages through 85. Minimum premium $10,000.Guarantee period option of 5 years. Penalty Free Withdrawal – 10% starting in the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:

Athene Annuity and Life Assurance Company

A- by A.M. Best

Issue ages through 80. Minimum premium $5,000. Guarantee period option of 7 years. Penalty Free Withdrawal – 10% after the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. BestIssue ages through 85. Minimum premium $25,000. Guarantee period options of 5 and 7 years. Penalty Free Withdrawal – Interest only after the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:

Oxford Life Insurance Company A- by A.M. BestIssue ages 18-80. Minimum premium $20,000. Guarantee period option of 3 to 10 years. Penalty Free Withdrawal – Interest only in the first year; 10% starting in year 2.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. BestIssue ages through 85. Minimum premium $10,000. Guarantee period options of 5 to 10 years. Penalty Free Withdrawal – Interest only after the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages through 85. Minimum premium $10,000. LTC available. Guarantee period options of 5 to 10 years. Penalty Free Withdrawal – 10% starting in the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages through 90. Minimum premium $2,000 qualified and $10,000 non-qualified. Guarantee period options of 4 to 10 years. Penalty Free Withdrawal – Interest only after the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:

American Equity Investment Life Insurance Company

A- by A.M. BestIssue ages through 85. Minimum premium $10,000. Guarantee period options of 5 to 7 years. Penalty Free Withdrawals – Interest only after the first contract year.Multi-Year Guarantee Annuities

Rating:Features:

Product Type:

Multi-Year Guarantee Annuities


30


A- by A.M. BestIssue ages through 80. Minimum premium $2,000 qualified and $5,000 non-qualifed. Premium bonus available. High commission products. Penalty Free Withdrawal – 10% after the first contract year.Flexible Annuities

Rating:Features:

Product Type:


A by A.M. BestIssue ages through 85. Minimum premium $2,000 qualifed and $5,000 non-qualifed. Premium bonus available. Penalty Free Withdrawal – 10% starting in the first contract year or cumulative option up to 50% in year 5. Single-Pay and Flexible Annuities

Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. BestIssue ages through 85. Minimum premium $2,000. 100% liquidity for Unemployment Waiver available. Penalty Free Withdrawal – 10% starting in the first contract year. Flexible Annuities

Rating:Features:

Product Type:

American General Life Companies A by A.M. BestIssue ages through 85. Minimum premium $5,000.Premium bonus available. Annuitize after 5 years over next 5 years. Penalty Free Withdrawal – 10% starting in the first contract year.Flexible Annuities

Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. BestIssue ages through 85. Minimum premium $15,000. Short surrender periods. Return of Premium Option available. Penalty Free Withdrawal – 10% starting in the first contract year.Single-Pay Annuities

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages through 80. Minimum premium $2,000 qualifed and $10,000 non-qualifed. Premium bonus available.Option to annuitize after first year with no surrender charge. Penalty Free Withdrawal – 5% starting in the first contract year.Flexible Annuities

Rating:Features:

Product Type:

Fixed Annuities

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31

The Retirement Income TRIfecTa

fOR aGeNT USe ONLY. NOT TO Be USeD fOR cONSUMeR SOLIcITaTION PURPOSeS.21998Z PRT 4-15 4350 Westown Parkway | West Des Moines, IA 50266 | www.Northamericancompany.com Page 1 of 2

Products to help you offer strong retirement solutions to your clients!

PORTfOLIODeSIGN GOaL Guaranteed Lifetime Income1 Highest Lifetime

Income Potential1 flexible Retirement Benefits

PRODUcT Income Pay®

Optional Guaranteed Lifetime Withdrawal Benefit RiderNac IncomechoiceSM

Fixed Index AnnuityNac BenefitSolutionsSM

Fixed Index Annuity

HIGHLIGHTS

3 HIGHeST GUaRaNTeeD LIfeTIMe PaYMeNT aMOUNTS (LPas)

3 ROLLUP RaTe OPTIONS UP TO 6.75%

3 HIGHeST LIfeTIMe PaYMeNT POTeNTIaL

3 BUILT-IN GLWB RIDeR WITH NO aDDITIONaL RIDeR cHaRGe2

3 LIfeTIMe INcOMe avaILaBLe IMMeDIaTeLY3

3 eNHaNceD DeaTH BeNefIT feaTURe4

GuaranteedRollup Rate

3 Options

4% of GLWB value + Stacking Potential (100% of dollar amount of interest

credited)

20% BeNefIT BaSe BONUS5 YeaR 1

Benefit Base floor120% Years 1-5

140% Years 6-10160% Years 11+

5.50%for Life

6.75% for 10 years

6.25% for 10 years with optional 10 year extension

Rider charge 40bps 95bps

95bpsCost may increase if a second 10-year Bonus Credit Period is elected (not to exceed 1.50%)

No 1.20%

Stacking or LPa Increase feature No Yes Yes

Nursing Home Multiplier

(Not Available in all States)

2X LPa for up to 5 Years must elect for additional 10bps charge No 2X LPa for up to 5 Years6

LPa availability(Must be at least age 50)

after 1st contract anniversary after 1st contract anniversary Immediately at Issue

Rider Death Benefit No No Benefit Base over 5 year payout4

Partial free Withdrawal (PfW) friendly7

(PFW Withdrawals Including RMDs will reduce the GMWB

Value and/or Benefit Base Value)

RMDs RMDs RMDs and PfW

Fixed Index Annuity Highlights






This is not a complete comparison of all North American Fixed Index Annuities or of the listed fixed index annuity products and optional Guaranteed Lifetime Withdrawal Benefit Rider. For more information please see the product and rider brochures for further details on the features, limitations and complete product disclosures.

These products are issued by North American Company for Life and Health Insurance®. Product features and riders may not be available in all states or appropriate for all clients.

This product is issued by North American Company for Life and Health Insurance®. Product features and riders may not be available in all states, on all products, or appropriate for all clients. Income Pay® GMWB Rider is an optional guaranteed lifetime withdrawal benefit (GLWB) available for an additional cost at the time of application on most fixed index annuities and is issued on form AE513A (rider) and SP513B (spec page) or appropriate state variation. Income Pay is not available on all products. Please ask your Sales Representative for product availability. The Income Multiplier (x2) is issued on form AE554A (rider) and SP554B (spec page) or appropriate state variation and is an electable rider issued in coordination with the IncomePay, for an additional cost. The Income Multiplier (x2) is not Long Term Care Insurance and cannot be used in conjunction with any Nursing Home Confinement Rider. Please see Rider brochure for further details and limitations.

The NAC IncomeChoiceSM is issued on form NC/NA1004A (certificate/contract), AE551A, LR431A, LR423A, LR424A-1, AE520A, AE552A, AE556A, and LR433A (riders/endorsements) or appropriate state variation.

Product features and riders, including the Nursing Home Multiplier, may not be available in all states or appropriate for all clients. The NAC BenefitSolutionsSM is issued on form NC/NA1006A (certificate/contract), AE560A, AE561A, AE563A, AE564A, AE565A, AE567A, LR427A, and LR433A (riders/ endorsements) or appropriate state variation.

1. Lifetime Income” refers to guaranteed payment of Lifetime Payment amounts (LPa’s). It does not refer to interest credited to the contract. adviseclients to consult with their own tax advisor regarding tax treatment of LPas, which will vary according to individual circumstances.

2. While certain included features may have no explicit cost, a product with a built-in GLWB feature may offer lower credited interest rates, lower Index Cap Rates, lower Participation Rates and/or greater Index Margins than products that don’t have these built-in features.

3. This amount is only applied to the Benefit Base, which is a value used only for determining Lifetime Payment amounts (LPa) and/or the rider deathbenefit features. Benefit Base is not the same as the contract accumulation value and may not be used for partial withdrawals, full surrender or as thebase contract death benefit.

4. “Lifetime income” refers to guaranteed payment of Lifetime Payment amounts (“LPas”) as defined in the Benefits Rider included in this contract. Itdoes not refer to interest credited to the contract. advise clients to consult with their own tax advisor regarding tax treatment of LPas, which will varyaccording to individual circumstances.

5. Rider Death Benefit includes option for payments over 5 years based on Benefit Base with 1-yr waiting period. Rider Death Benefit options vary by state.additional death benefit and other features are explained in the product brochure and disclosure. for product materials, check for variations in yourstate.

6. The Nursing Home Multiplier (also known as LPA Multiplier) is included in form AE560A (Benefits Rider) and SP560B (Benefits Rider spec page) and can double the Lifetime Payment Amount (LPA) if certain conditions are met. The Nursing Home Multiplier can be paid out for a maximum of five annual payments. Please see the product brochure for further details and limitations. The Nursing Home Multiplier is not Long Term Care Insurance and is not available in all states. This benefit is not available to clients confined at time of issue. The Nursing Home Multiplier cannot be used concurrently with the Nursing Home Confinement Waiver (NHCW). Only one of these features can be exercised at any given time.

7. Withdrawals taken prior to age 59 1/2 may be subject to IRS penalties.

Products to help you offer strong retirement solutions to your clients!

fOR aGeNT USe ONLY. NOT TO Be USeD fOR cONSUMeR SOLIcITaTION PURPOSeS.21998Z PRT 4-15 4350 Westown Parkway | West Des Moines, IA 50266 | www.Northamericancompany.com Page 2 of 2

Fixed Index Annuity Highlights







A- by A.M. BestIssue ages through 85. Minimum premium $5,000. Various indices annuities. Lifetime Income Benefit Rider available. High commission products with many surrender options. Premium bonus available. Flexible Annuities

Rating:Features:

Product Type:

American General Life Companies A by A.M. BestIssue ages through 85. Minimum premium $25,000. Lifetime Income Benefit Rider available. Premium bonus available.Single-Pay Annuities

Rating:Features:

Product Type:


A by A.M. BestIssue ages through 85. Minimum premium $10,000. Premium bonus available.Single-Pay Annuities

Rating:Features:

Product Type:


A- by A.M. BestIssue ages through 83. Minimum premium $5,000. Lifetime Income Benefit Rider available. High caps. Premium bonus available.Flexible and Single-Pay Annuities

Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. BestIssue ages through 85. Minimum premium $25,000. Lifetime Income Benefit Rider available. Innovative bailout feature. Premium bonus available.

Single-Pay Annuities

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages through 85. Minimum premium $2,000 qualifed and $5,000 non-qualifed. Lifetime Income Benefit Rider available. Premium bonus available.Flexible and Single-Pay Annuities

Rating:Features:

Product Type:


A by A.M. BestIssue ages through 85. Minimum premium $2,000 qualifed and $5,000 non-qualifed. Lifetime IncomeBenefit Rider available. Premium bonus available. Annuitize after 5 years over next 5 years.Flexible Annuities

Rating:Features:

Product Type:

Fixed Indexed Annuities


34


A+ by A.M. BestIssue ages through 85. Minimum premium $2,000 qualified and $10,000 non-qualifed. Lifetime Income Benefit Rider available. Premium bonus available. 100% liquidity for Nursing Home Confinement Waiver available. Return of Premium Option available.Flexible and Single Pay Annuities

Rating:Features:

Product Type:

Oxford Life Insurance Company A- by A.M. BestIssue ages through 80. Minimum premium $10,000. Lifetime Income Benefit Rider available. Premium bonus available.Single-Pay Annuities

Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. BestIssue ages through 85. Minimum premium $10,000. Lifetime Income Benefit Rider available.100% liquidity for Unemployment Waiver available. Return of Premium option available.

Single Pay Annuities

Rating:Features:

Product Type:

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Fixed Indexed Annuities


35



A- by A.M. BestIssue ages through 90. Minimum premium $10,000. Single and joint immediate available. 5 to 25 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:

American General Life Companies A by A.M. BestIssue ages through 90. Minimum premium $10,000. Single and joint immediate available. 5 to 40 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:


A- by A.M. BestIssue ages through 85. Minimum premium $10,000. Single and joint immediate available. 5, 10, 15, and 20 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. BestIssue ages through 95. Minimum premium $25,000. Single and joint immediate available. 5 to 50 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages through 95. Minimum premium $10,000. Single and joint immediate available. 5 to 20 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:


A by A.M. BestIssue ages through 99. Minimum premium $5,000. Single and joint immediate available. 5 and 10 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages through 95. Minimum premium $2,000 qualifed and $10,000 non-qualifed. Single and joint immediate available. 5 to 20 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. BestIssue ages through 99. Minimum premium $10,000. Single and joint immediate available. 5 to 30 period certain with option of life contingency.Immediate Annuities

Rating:Features:

Product Type:

Immediate Annuities



American General Life Companies A by A.M. BestIssue ages: 0 to 90, Qualified 0 to 69, QLAC 0 to 83.Premium: $20,000 to $1,000,000, QLAC $20,000 to $125,000 (lesser of $125,000 or 25% of aggregated IRA account values). Deferral period 12 months-40 years. Single and joint available. Benefit Commencement: 12 months up to age 91, QLAC 12 months up to age 85.

Deferred Income Annuities

Rating:Features:

Product Type:

Genworth Life Insurance Company A- by A.M. BestIssue ages from 40 to 75. Many optional riders available. Shared benefit available. Wellness program available. Competitive premiums. International coverage available.Tax-Qualified Long Term Care

Rating:Features:

Product Type:

Mutual of Omaha Life InsuranceCompany

A+ by A.M. BestIssue ages from 30 to 79. Many benefits and optional riders available. Shared benefit available. Cash benefit with no elimination period. Customizable plans available.Tax-Qualified Long Term Care

Rating:Features:

Product Type:


A+ by A.M. BestIssue ages from 40 to 75. Customizable benefits and options to choose from. International coverage available. Flex Credits.Tax-Qualified Long Term Care

Rating:Features:

Product Type:

Long Term Care



A by A.M. BestIssue ages: 18 to 80, Qualified 18 to 69, QLAC 18 to 80. Premium: $10,000- $500,000, QLAC $10,000- $125,000 (lesser of $125,000 or 25% of aggregated IRA account values). Deferral period 24 months to age 84. Single and joint available. Benefit Commencement: 24 months up to age 84, QLAC 24 months up to age 84.


Rating:Features:

Product Type:


A+ by A.M. BestIssue ages: 18 to 80, Non-qualified, Roth IRA and QLAC; Qualified 18 to 69. Premium: $10,000-$1,000,000, QLAC $10,000-$125,000 (lesser of $125,000 or 25% of aggregated IRA account values). Deferral period 13 months to 40 years. Single and joint available. Benefit Commencement: 13 months up to age 85, QLAC 13 months up to age 85.


Rating:Features:

Product Type:


37

Genworth Life Insurance Company A- by A.M. BestUniversal life product that features unique LTC benefits with issue ages from 18 to 79. Minimum policy $50,000. Return of Premium available after year 3. For clients who wish to “self-insure” LTC insurance. Accelerated and extended options available.

Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay

Rating:Features:

Product Type:


A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 20 to 75. Minimum policy $50,000. For clients who wish to “self-insure” LTC insurance. Extension of Benefits Rider available.Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay

Rating:Features:

Product Type:


A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 20 to 80. Minimum policy $50,000. For clients who wish to “self-insure” LTC insurance. Extension of Benefits Rider available.Universal Life, Index Universal Life with LTC, Single Premium, Flexible Premium, Limited Pay Premium

Rating:Features:

Product Type:

Protective Life Insurance Company A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 20 to 80. Minimum policy $100,000. Indemnity payment method. For clients who wish to “self-insure” LTC insurance.Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay

Rating:Features:

Product Type:


A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages 20-80. Minimum policy $100,000. Only available at policy issuance. Indemnity payment method with no waiting period. For clients who wish to “self-insurer” LTC insurance.Universal life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay

Rating:Features:

Product Type:


A+ by A.M. BestUniversal life product that features unique LTC benefits. Issue ages from 18 to 75. Minimum policy $100,000. Indemnity payment method. For clients who wish to “self-insure” LTC insurance.Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay

Rating:Features:

Product Type:

Life/LTC Linked Benefits


Universal life product that features unique LTC benefits. Issue ages from 30-80. Minimum first year premium $20,000. For clients who wish to “self-insure” LTC insurance. Extension of benefits and paid up options.Universal Life, Single Premium

Rating:Features:

Product Type:



If You Love Obamacare, Don’t Read ThisBy Ken Smith, CLU, Director of Health Products, Assurity Life Insurance Company

You probably answered “YES” to question 1. Forquestion 2, you’re not happy about it and you feel like you are doing more work for less money. For question 3, many of you probably answered “NO.” I myself would answer “YES” to question 3, and the purpose of this paper is to share my thoughts on why the opportunity is still there and even growing. When I first started in the business, I remember talking with some of the old-timers who had been around when Medicare was passed in 1965. Back then, nearly every broker believed Medicare was the end of the health insurance market for seniors. Now look — 50 years later, the senior health market is huge, with Medicare supplements and Medicare advantage plans. This is the market that was supposed to be nonexistent 50 years ago. No one would say 2014 was easy. In a recent survey, 33 percent of independent insurance brokers said they are considering getting out of the health insurance business entirely because of Obamacare!1 Over the last year, I’ve seen health agencies discontinue or shrink their operations firsthand. At the same time I’ve witnessed agents and agencies who are succeeding and thriving in this environment! Why? I believe there’s tremendous opportunity within the ACA environment if we’re willing to adapt.I’m reminded of a Charles Darwin quote, “In thestruggle for survival, the fittest win out at the expense of their rivals because they succeed in adaptingthemselves best to their environment.” You’re thinking, so where’s the opportunity? One idea is to start packaging accident expense and critical illness together with health insurance. Based on my discussions with health agents, only about half are

currently doing this. Why include an accident plan for your clients? With higher deductibles and increased out-of-pocketexpenses, how many of your clients can just write a check for $10,000? Even if your client has $10,000 available, that money may be earmarked for something else. Isn’t it easier to show your clients how to budget $2 a day for a plan that covers accident expenses? Why a critical Illness plan? When someone faces a critical illness such as cancer, heart attack or stroke, not only must they cope with deductibles and out-of-pocket expenses, they will have to deal with many other costs not covered by health insurance — costs like medication not covered by insurance, travel costs when local treatment options are limited, retrofitting a car or home and comforts during treatment. There may also be a loss of income for both the person suffering the illness and the spouse or family member who must take time off to care for the patient during treatment. In fact, according to the American Cancer Society, two-thirds of the costs related to cancer are notcovered by health insurance.2

There are so many ways money from a critical illness policy can be used. According to Nick Kirwan, Assistant Director – Health and Protection for the Association of British Insurers, 25 percent of the United Kingdom’s working population owns a critical illness plan. When

Think about these questions: 1. Do you think the Affordable Care Act created a mess last year? 2. How do you feel about commission reduction as a result of the ACA? 3. Is there still opportunity for you in the individual health insurance market?

1. http://www.washingtonexaminer.com/insurance-brokers-say-they-are-worse-off-due-to-obamacare/article/2553870 2. http://www.cancer.org/research/cancerfactsstatistics/cancerfactsfigures2011/index


Then continue with these four powerful questions; 1. Who do you know who has been diagnosed with cancer, had a heart attack or stroke? 2. Was it expected? 3. Was there unplanned emotional or financial stress on the family? 4. Would cash have helped?

I ask brokers in the U.S. why they think so much CI is purchased in the U.K., most tell me, “It’s because of national health care.” That’s not actually the reason: The real reason is to protect their homes! Up to 65 percent of CI purchased in the U.K. is for mortgage protection. As an industry, we’re successfully selling lifeinsurance to help protect mortgages, but what’s more likely to happen while a mortgage is being paid off — death or a critical illness? Think about the costs of covering two years of mortgage payments. Ask your prospect, “If you’re diagnosed with cancer, would it reduce your financial stress to have your mortgage paid for two years?”

Would your prospect rather work with an agent who sells product or solves problems? As agents, we need to change our focus from product and price to solving problems for our prospects and clients. Questions are the most effective way to helpprospects see they have a problem. Then show them the solution. Try these questions next time you meet with a client or prospect: 1. If your expenses were to exceed the large out- of-pocket costs on your health coverage, what do you think would likely be the reason? (The most common response? Cancer, accident and heart attack.) 2. If you reach the out-of-pocket maximum because of an unforeseen accident or critical illness, would you cover that huge bill through your savings account, or do you want an option that would give you access to $15,000 in a direct payment to you? 3. If you had an unforseen accident or critical illness, would you be able to cover out-of- pocket expenses of $10,000 or more? 4. Would you like to learn a way to cover bills and other expenses if you had a break in pay because of critical illness or accident?

Once your prospect has answered the questions, the next step is the solution. Give your prospect or client two options — one option with accident and critical illness and another without — and let them choose.

Let me sharean example:

These questions help a prospect understand the need for critical illness protection, and the problems it can help solve. Last year, millions of quarter-inch drill bits were sold in the U.S. How many people really wanted to buy a drill bit? The answer is NONE. The people who bought the bits had a problem: They needed a hole. The reason they purchased the bit was to solve the problem. The same is true with health insurance. No one wants to buy health insurance — they want to solve a financial problem that would arise if they neededmedical care. The purpose of health insurance is to pay the bills and help reduce financial stress when an illness or accident occurs.


Now it’s time to tune into your favorite station, WIIFM (What’s In It for Me!) Not only have you reduced the prospect’s exposure and provided more complete protection, you’ve increased your income. Under option 1, you will earn $487; under option 2, your income jumps to $1,490. These assumptions are based on 3 percent commis-sion on health insurance, 45 percent for accident and 60 percent for critical illness. In option 2, the monthly premium for health insurance is $1075.58, for accident it’s $87.34 and for critical illness it’s $135.62. How do you start? Find good accident and critical illness plans to compliment your health insurance, then just do it! Now’s the perfect time. Start with your event-driven sales. Talk with your existing clients. Use the questions. It’s all about repetition. The more you do it, the better you become. Think about a baby learning to walk. Even though a baby falls down, it keeps repeating the process — and before you know it, that baby isn’t just walking, it’s running! Isn’t the same thing true for us in sales?

M15-003 For agent use only. Policy form no. I H0810 or CI-005,underwritten by Assurity Life Insurance Company of Lincoln, Nebraska. Policy availability, rates, features and provisions mayvary by state.

"Life insurance isn't thatimportant in helping protect my clients."

(Said no one ever.)

There are many choices in life, and many ways to help protect life's journey. When you present Assurity's life, you're offering powerful insurance protection and benefiting from the support and expertise that comes from more than a century of experience.

With a legacy of excellence dating back to 1890, you and your clients can be confident we'll be there when you need us. That's the hallmark of the relationships we build.

• Simplified Portfolio Whole Life Insurance

• Fully-Underwritten Whole Life Insurance

• NonMed Term 350 Life Insurance

• Term 350 Plus Life Insurance

• Acci-Flex Accidental Death Benefit Insurance

• Universal Life Insurance

Joinus:� � � � �

A604-0415 • For agent use only. Policy form nos. I L601, I L602, I L603, I L0880, I L0760, LT02-E and I L1419 and any associated riders underwritten by Assurity Life Insurance Company of Lincoln, Nebraska. Policy and rider availability, rates, provisions and features may vary by state.

Assurity' Life Insurance Company

www.assurity.com


800-888-2829 [email protected]


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Issue ages from 18 to 64. Noncancellable to age 65.Non-med available. Unique lump sum benefit option.

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Assurity Life Insurance Company A- by A.M. BestIssue ages from 18 to 60. Noncancellable to age 60. Non-med available.

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Illinois Mutual Life Insurance Company

B++ by A.M. BestIssue ages from 18 to 60. Guaranteed renewability to age 67. Premium on structured class basis. 12-Month non-tobacco definition. Return of Premium Rider available.Disability Income Insurance

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Mutual of Omaha Life Insurance Company

A+ by A.M. BestIssue ages from 18 to 61. Guaranteed renewability to age 67. Premium on structured class basis. 12-Month non-tobacco definition. Return of Premium Rider available.Disability Income Insurance

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Assurity Life Insurance Company A- by A.M. BestIssue ages from 18 to 64. Age last birthday. Face amounts from $5,000 to $500,000. Spouse Rider available. Non-med up to $99,999.

Critical Illness Insurance

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A+ by A.M. BestIssue ages from 20 to 64. Age last birthday. Face amounts from $10,000 to $250,000. Specialty cancer, heart attack, and stroke product available. Non-med up to $99,000.Critical Illness Insurance

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Critical Illness


42


A+ by A.M. BestGeographically competitive prices. Offers plans A-N, depending on state. Underwriting in 4 days on average. Electronic application available.Medicare Supplement

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Oxford Life Insurance Company A- by A.M. BestNo face-to-face sale required. Policies issued within 48 hours on average. Offers plans A, C, F, and N, depending on state. Electronic application available.Medicare Supplement

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20152015fmiAgentAWARDS

Multi-Function Printer25,000 Points

Keurig25,000 Points

Laptop Computer45,000 Points

60 Inch Smart TV75,000 Points

Six Days at Dreams Sugar BaySt. Thomas, Virgin Islands, U.S.A

All Inclusive Resort110,000 Points

Six Days at Dreams Sugar BaySt. Thomas, Virgin Islands, U.S.A

All Inclusive Resort110,000 Points

Earn points with your

VISIT OUR WEBSITE FOR MORE DETAILS. FOR AGENT USE ONLY.QUALIFICATION PERIOD 01/16/2015 THROUGH 01/15/2016

Slingshot500,000 Points

Slingshot500,000 Points



• Maximum cash value $25,000 including taxes, destination and registration fees. • If dealer stock is not available, a cash equivalent will be presented in lieu of the 2016 Polaris Slingshot.• A 1099 will be issued to all quali�ers for the fair market value of the item. • Polaris or any a�liates of Polaris Industries is not a sponsor or partner of Financial Markets, Inc. • Polaris and Polaris logo are registered trademarks of Polaris Industries.

Quali�cation Guidelines

Terms and Conditions

Vacation Package Terms and Conditions

Points System

Polaris Slingshot Terms and Conditions

• Minimum of 12 paid policies• Agent must have at least an 80% placement ratio• Quali�cation Period: January 16, 2015 through January 15, 2016

• For agent use only. • By invitation or recommendation from Financial Markets, Inc. only.• Points may vary by product.• Business that will be credited includes business placed and paid at Financial Markets, Inc. during the quali�cation period. Certain plans may not be eligible.• Business written on the agent or family members will not be eligible.• The points can be a combination of Life, Annuity and Health premiums. Please see the points applicable to each individual policy for calculation.• All policies must be issued, e�ective and paid no later than January 15, 2016.• General Agents may not qualify unless pre-arranged in writing prior to contest.• Agent may qualify for only one of each incentive items.• Agent must be in good standing with Financial Markets, Inc. at time of redemption (i.e. must be currently contracted with companies from which Quali�cation Points are derived and actively producing business. No outstanding debit balance allowed).• Business must be issued and placed. Canceled and lapsed business will not be considered for Quali�cation Points.• Contest credit dependent upon federal and state regulations.• Excess premium (premium beyond target) on Universal Life business or other similar contracts will not receive any Quali�cation Points.• Policy conversions will not be eligible for Quali�cation Points.• Payroll deduction business Quali�cation Points will be determined on a case-by-case basis.• Quali�cation Points will not be credited for subsequent annuity premiums.• Quali�cation Points are not redeemable for cash or other remuneration.• Quali�cation Points cannot be transferred.• This is a voluntary program; additional restrictions may apply. • A 1099 will be issued to all quali�ers for the fair market value of the items.• Points will be redeemed at one time at the end of the quali�cation period, which is January 15, 2016.• All requirements subject to change without notice.• Financial Markets, Inc. reserves the right to modify any quali�cation requirement at its discretion without notice.• All incentives are ordered by a third party, and therefore no changes can be made.• Actual item brand and model will be determined at the end of the quali�cation period, based upon availability and subject to change without notice. • NO EXCEPTIONS TO CONTEST QUALIFICATIONS AND GUIDELINES CAN BE CONSIDERED.

• This is a voluntary function and is a group convention; consequently, travel restrictions may apply. • A 1099 will be issued to all convention attendees for the fair market value of the trip.• Agent and one guest may attend; guest may not be another licensed agent unless a spouse.• Travel arrangements will be scheduled from the nearest major airport as determined by the travel coordinator of Financial Markets, Inc.• By qualifying for a vacation package, airfare for the Agent and their guest is paid for by Financial Markets, Inc.• Trip dates will be determined at the end of the quali�cation period, based upon availability and subject to change without notice. • Vacation travel arrangements for you and your guest are paid by Financial Markets, Inc. in cooperation with a third party.• In cooperation with a third party, Financial Markets, Inc. is unable to make any modi�cations to the incentives guidelines.

• Agents will receive 1 point for every $1 of paid life premium, $3 of paid health/DI premium, and/or $10 of paid annuity premium.• Example: If you place an annuity case with $100,000 premium, you will earn 10,000 points.• Points may be reduced for some products.• See complete points schedule at www.fmiAgent.com and click on ToolKit, then 2015 Agent Point Awards.


• Maximum cash value $25,000 including taxes, destination and registration fees. • If dealer stock is not available, a cash equivalent will be presented in lieu of the 2016 Polaris Slingshot.• A 1099 will be issued to all quali�ers for the fair market value of the item. • Polaris or any a�liates of Polaris Industries is not a sponsor or partner of Financial Markets, Inc. • Polaris and Polaris logo are registered trademarks of Polaris Industries.

Quali�cation Guidelines

Terms and Conditions

Vacation Package Terms and Conditions

Points System

Polaris Slingshot Terms and Conditions

• Minimum of 12 paid policies• Agent must have at least an 80% placement ratio• Quali�cation Period: January 16, 2015 through January 15, 2016

• For agent use only. • By invitation or recommendation from Financial Markets, Inc. only.• Points may vary by product.• Business that will be credited includes business placed and paid at Financial Markets, Inc. during the quali�cation period. Certain plans may not be eligible.• Business written on the agent or family members will not be eligible.• The points can be a combination of Life, Annuity and Health premiums. Please see the points applicable to each individual policy for calculation.• All policies must be issued, e�ective and paid no later than January 15, 2016.• General Agents may not qualify unless pre-arranged in writing prior to contest.• Agent may qualify for only one of each incentive items.• Agent must be in good standing with Financial Markets, Inc. at time of redemption (i.e. must be currently contracted with companies from which Quali�cation Points are derived and actively producing business. No outstanding debit balance allowed).• Business must be issued and placed. Canceled and lapsed business will not be considered for Quali�cation Points.• Contest credit dependent upon federal and state regulations.• Excess premium (premium beyond target) on Universal Life business or other similar contracts will not receive any Quali�cation Points.• Policy conversions will not be eligible for Quali�cation Points.• Payroll deduction business Quali�cation Points will be determined on a case-by-case basis.• Quali�cation Points will not be credited for subsequent annuity premiums.• Quali�cation Points are not redeemable for cash or other remuneration.• Quali�cation Points cannot be transferred.• This is a voluntary program; additional restrictions may apply. • A 1099 will be issued to all quali�ers for the fair market value of the items.• Points will be redeemed at one time at the end of the quali�cation period, which is January 15, 2016.• All requirements subject to change without notice.• Financial Markets, Inc. reserves the right to modify any quali�cation requirement at its discretion without notice.• All incentives are ordered by a third party, and therefore no changes can be made.• Actual item brand and model will be determined at the end of the quali�cation period, based upon availability and subject to change without notice. • NO EXCEPTIONS TO CONTEST QUALIFICATIONS AND GUIDELINES CAN BE CONSIDERED.

• This is a voluntary function and is a group convention; consequently, travel restrictions may apply. • A 1099 will be issued to all convention attendees for the fair market value of the trip.• Agent and one guest may attend; guest may not be another licensed agent unless a spouse.• Travel arrangements will be scheduled from the nearest major airport as determined by the travel coordinator of Financial Markets, Inc.• By qualifying for a vacation package, airfare for the Agent and their guest is paid for by Financial Markets, Inc.• Trip dates will be determined at the end of the quali�cation period, based upon availability and subject to change without notice. • Vacation travel arrangements for you and your guest are paid by Financial Markets, Inc. in cooperation with a third party.• In cooperation with a third party, Financial Markets, Inc. is unable to make any modi�cations to the incentives guidelines.

• Agents will receive 1 point for every $1 of paid life premium, $3 of paid health/DI premium, and/or $10 of paid annuity premium.• Example: If you place an annuity case with $100,000 premium, you will earn 10,000 points.• Points may be reduced for some products.• See complete points schedule at www.fmiAgent.com and click on ToolKit, then 2015 Agent Point Awards.

Do you have clients who areFARMERS OR RANCHERS?

Pruco Life Insurance Company Pruco Life Insurance Company of New Jersey

0246384 0246384-00003-00 Ed. 11/2014 Exp. 05/24/2016

WHEN YOUR LEGACY IS T IED TO THE LAND

Family Succession Planning Using Life Insurance

HYPOTHETICAL SCENARIO

Mr. Brown and his wife jointly own a farm with a projected value of $1,500,000 and they have three children:

• Aaron, who works on the farm• Joe, a teacher• Melinda, an attorney

(Neither Joe nor Melinda have an interest in owning the farm.)

Aaron purchases a life insurance policy for $1,500,000 on Mr. Brown, with funds (a bonus) provided by the farm. At the same time, Mr. and Mrs. Brown purchase a survivorship life insurance policy to provide estate liquidity for any taxes and help equalize the estate for Joe and Melinda.

RESULTS:

Upon Mr. Brown’s death, the death bene�t of $1,500,000 goes to Aaron, who agrees to use it to purchase the farm from Mrs. Brown, helping to provide her needed retirement funds.

Upon the death of Mrs. Brown, the survivorship death bene�t is used to help settle the estate and provide equality to Joe and Melinda.

How family succession planning works

�

�

�

�

AARON BUYS A LIFE INSURANCE POLICY

ON MR. BROWN

MR. & MRS. BROWN BUY A SURVIVORSHIP LIFE INSURANCE POLICY

+

+

DEATH BENEFIT AT MR. BROWN’S DEATH

GOES TO AARON

DEATH BENEFIT AT SECOND DEATHIS DIVIDED EVENLY

AARON JOE MELINDA

You should consider a succession plan involving life insurance for your farm if you:

• Are 45 – 75 years old.• Own a closely held farm or ranch and want to keep it in the family.• Are interested in equity among your bene�ciaries.• Want to help establish a fair market value in the event of your death.• Desire to equalize children not working in the business.• Are willing to take the time to plan for business succession.

�

�

�

�

FAMILY SUCCESSION PLANNING USING LIFE INSURANCE

Challenges facing the next generation:

• Cash flow — your spouse may depend on the income generated by thefarm to continue to pay living expenses.

• Inheritance disputes — because many of the farm’s assets are illiquid(land, facilities, livestock, equipment), your children may need to sell thefarm in order to equalize their inheritance.

• Lack of liquidity — your children may not have the assets needed to payestate or gift taxes.

• Lack of credit — your children may not be able to obtain the loansnecessary to continue to keep the farm/ranch operating.

Family Succession Planning If you want to keep your farm/ranch in the family, you need to implement an effective estate and business continuation plan. It can help you overcome the challenges facing the next generation and help your family achieve its goals. Life insurance and the death bene�t it provides can play an important role as a component of these plans, creating the liquidity necessary to help ensure your wishes are carried out.

Benefits of a succession plan

A properly designed and executed succession plan involving life insurance can:

• Help to provide a surviving spouse with the liquidity necessary to maintain his orher current lifestyle.

• Help provide a designated family member with the liquidity necessary to purchase adeceased owner’s share of the farm or pay appropriate taxes.

• Provide an orderly transfer of business interests upon death, disability, retirement,or termination of the business by providing for the purchase of the ownershipinterest at a predetermined price.

• Be used to help equalize an inheritance among bene�ciaries who have differinginterest in actively participating in the farm/ranch.

STEP 1: Initially estimate and later obtain a business valuation. The first step to creating a business continuation agreement is to determine the purchase price—or the fair market value—of your farm. Proper business valuation can help eliminate possible conflicts between your bene�ciaries and the IRS. If you fail to establish an accurate value for your farm, the IRS may establish one for you. If your heirs or successors dispute the IRS value, years could be lost to legal proceedings before a court ruling is established.

STEP 2: Properly title assets. Depending on the assets in question, the amount your bene�ciaries will receive can vary widely. In addition to consulting your attorney to draft and maintain a current will, one of the most important things you can do is ensure that titling and ownership of your assets are aligned with your distribution goals.

STEP 3: Structure the agreement. There are several common succession strategies for farm and ranch owners who share your challenges and objectives. So it’s important to consult your personal tax and legal advisors before implementing a succession strategy.

STEP 4: Fund the agreement. A family succession agreement may be ineffective without a source of funding for the buyout. Possible sources for funding the agreement:

Additional benefits of permanent life insurance:

A properly designed and executed succession plan involving life insurance can:

• Offer a source of typically income-tax-free proceeds for your family in the event ofyour death.

• Provide a source of funds to pay estate taxes and provide for estate equalization.• Potentially build cash value that can be accessed for lifetime needs such as a down

payment on a buyout of the farm/ranch.4

Core steps to effective family succession planning

*Death benefit proceeds are generally received federal income-tax free as provided in Internal Revenue Code Section 101(a).4 Both loans and withdrawals from a permanent life insurance policy may be subject to penalties and fees and, along with any accrued loan interest, will reduce the policy’s account value and death benefit. In general, loans are not taxable, but withdrawals are taxable to the extent they exceed basis in the contract. Loans outstanding at policy lapse or surrender prior to the death of the insured will cause immediate taxation to the extent of gain in the contract. For policies which are Modified Endowment Contracts, distributions (including loans) are taxable to the extent of income in the contract, and an additional 10% federal income tax penalty may apply.

Cash — may result in depletion of savings, operating reserves, investments, or retirement assets

Borrowing — as shown on the graph on page 7, this is perhaps the most expensive way, as it can signi�cantly increase the purchase price and place a �nancial strain on your family

Investment side fund or sinking fund — can be costly since the investment gains may be subject to taxation

Installment payments — rely on business capital reserves or cash flow that may be needed for other purposes

Life insurance — an effective and cost-ef�cient alternative as the death benefit may be income- and estate-tax free*

Take a look at this excellent conversation starter to use Life Insurance to helpprotect their legacy.

View the complete brochure at:tinyurl.com/fmiAgentLand15


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