Note to Producer:

1. Note to Producer: The following presentation is intended to be given by those financial professionals who have an insurance license. Producers are ultimately responsible for the use or implementation of this material and should be aware of the compliance requirements of any applicable insurance carriers they represent, federal regulations and state insurance regulations. It must at all times be made clear to consumers that absent the appropriate licensing and credentials, the financial professional does not and is not providing tax, legal, or investment advice. Please keep in mind that no amount of experience as a financial professional or designation qualifies a producer to provide legal, tax or investment advice if not appropriately licensed. Consumers should always be encouraged to consult with qualified professionals before making any decisions about their personal situation. Please understand that this material has been complied to applicable regulatory standards as interpreted in good faith by Advisors Excel, LLC. Any deviation from the material as provided may render the content non-compliant by applicable regulatory standards. Advisors Excel, LLC shall not be held responsible for any deviation from the material as provided and you are solely responsible for any consequences of deviation from the material. Further, you are solely responsible for maintenance of compliance standards as required by applicable state and federal law and pursuant to your contractual agreement with Advisors Excel, LLC Material provided by Advisors Excel, LLC

2. INSERT LOGO The Legacy Optimizer Strategy [This is an insurance sales presentation. (as required by AR, CA, IL, TX, OK)] Leave a Legacy to Your Beneficiaries with Life Insurance [Producer Name], Insurance Professional [Company Name][“and Insurance Services” (required in CA)] [Phone Number] [Email] [Website] [State Insurance License #XXXXXX (required in AR, CA)] AE08173094B

3. Disclosures Throughout the presentation, we may generally discuss different insurance products; however, nothing I say should be construed as a recommendation to buy or sell any insurance product, nor should it be used to make decisions today about your current retirement income strategy. I am a licensed insurance producer, and my goal with this presentation is to expose you to ideas and insurance products that may help you work towards your retirement income goals. Please understand that I cannot make any promises or guarantees that you will accomplish such goals. This presentation is designed to provide general information on the subjects covered. It is not, however, intended to provide specific legal , tax or investment advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that [Firm Name] and its representatives do not give legal, tax, or investment advice. Legal, tax and investment advice should come from a licensed professional who can provide advice on these topics. Despite efforts to be accurate and current, this presentation may contain out-of-date information; we are under no obligation to advise you of any subsequent changes related to the topics discussed in this presentation. At the end of the seminar, you will be provided an opportunity to visit with us one-on-one to discuss your specific circumstance in a private, comfortable setting. At this visit you may be provided with information regarding the purchase of insurance products.

4. Congratulations! Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Life insurance is not bank or FDIC insured.

5. Passing it On What is happening to these IRAs and annuities if they are no longer needed for income?

6. Passing it On A Hypothetical Example: 1Assumed 35% combined federal and state income tax This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary. • Mr. Smith, age 65, owns a $625,000 IRA • Mrs. Smith is also age 65 • Wish to leave Mr. Smith’s IRA to their daughter, Beth • Let’s assume: • 3% annual interest rate • Required Minimum Distribution at 70 ½ • 35% income tax bracket1

7. Passing it On Mr. Smith passes away Beth has a $187,542 tax bill! This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

8. Is There Another Way? This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary. Increase Mr. and Mrs. Smith’s financial legacy Eliminate Beth’s tax liability Keep IRA intact for future needs….just in case

9. The Legacy Optimizer Strategy *Assumed combined federal and state income tax **If properly structured, proceeds from a life insurance policy are generally income-tax free to the beneficiary. ¹Surrender of and/or withdrawal charges from an annuity contract may be subject to surrender charges, market value adjustments and/or taxation as ordinary income and if taken prior to age 59 ½ may be subject to a 10% IRS penalty tax. This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary.

10. The Impact 10 Years 20 Years *Assumes 3% growth on the IRA and 35% combined federal and state income tax on the distribution. **Includes qualified annuity death benefitand life insurance death benefit. This hypothetical example is for illustrative purposes only, and should not be deemed a representation of past or future results, and is no guarantee of return or future performance. This example does not represent any specific product and/or service. Your experience and needs will vary. After-Tax Death BenefitIn:

11. Things to Consider… 2Surrender of and/or withdrawal charges from an annuity contract may be subject to surrender charges, market value adjustments and/or taxation as ordinary income and if taken prior to age 59 ½ may be subject to a 10% IRS penalty tax. • Life Insurance • Medical and financial underwriting • Premiums leveraged into larger, income tax-free death benefit • New set of surrender charges • The IRA or annuity is being drawn down slowly over time, keeping the asset intact • Taxes due on withdrawals2 • Balance has continued interest earning potential • Available for emergencies • Death benefit

12. Ready to Take a Closer Look? [Producer Company Name/Logo/Contact Info/Etc. placed here]