There is a story to the candy!

1. There is a story to the candy!

2. “We need to address the taxes on your annuities!”

3. “We need to address the taxes on your annuities!” Potential Taxable Gain: $120,000 Age 90 Female Purchase Year Age 60 Female Year 20 Age 80 Female Year 10 Age 70 Female **Life Expectancy of 60 Year Old Female Is 24 Years Or 84 Years Old

4. If death occurs in Year #20 at age 80 - Current Value: $148,824 Taxable Gain: $68,824 Tax Bill: $22,711 Value After Taxes? $126,113 Age 90 Female Purchase Year Age 60 Female Year 20 Age 80 Female Year 10 Age 70 Female *Based upon annuity transferring to beneficiary at death and 33% income tax bracket

5. “We need to address the taxes on your annuities!”

6. It’s Time To Address The Tax Impact Of Your Annuity! Year #10 Surrender Value: $110,739 *Client Is Now 70 Years Old Age 90 Female Purchase Year Age 60 Female Year 20 Age 80 Female Year 10 Age 70 Female

7. Surrender Option *Based on 70 year old female, non-tobacco, standard issue *For purposes of this example, the taxes due upon surrender of the annuity are paid from other sources.

8. Uninsurable? Good News! • Available as second-to-die option! • Requires only one insurable person • Death benefit is maximized and payable upon death of second person • Confined Care, Community Care and Terminal Illness Riders are not available on the second-to-die option. • Example (70 year old female and 75 year old male):

9. Penalty Free Withdrawal Option $16,162 Individual Legacy SPWL (70 year old female NT) She reduces amount of taxable gain. Pays taxes at her lower tax bracket. Death benefit can be used by beneficiary to pay taxes that are due at time of her death. $11,074 Penalty Free Withdrawal

10. + $17,123 Individual Legacy SPWL (80 year old female NT) =$33,285 Ladder Option $16,162 Individual Legacy SPWL (70 year old female NT) $14,882 Penalty Free Withdrawal $11,074 Penalty Free Withdrawal

11. Available As 3-, 5- and 10-Pay Option! *Based on 70 year old female, non-tobacco, standard issue

12. Certificate of Deposit Versus SPWL (70 year old female NS standard issue, 3% interest rate and 20% income tax bracket)

13. Product Specifics • Issue Age 0 to 85 • Survivor policy based on adjusted age! • Double Digit Agent Commissions • No reduction @ older ages • No chargebacks due to death in early years of contract • Up to Table 4 Issued Standard • Table 8 rating available up to age 80 • Maximum Net Amount At Risk: • Ages 0 – 65 - $250,000 • Ages 66 – 85 - $200,000 • Minimum $5,000 Death Benefit • Great for final expense, gifting and 1035 exchanges!

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

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

16. 2012 Agent Incentives! Assurity Life Insurance Company Leaders Conference Legacy Bonus Bucks!

17. Your Team at Levinson & Associates (800) 375-2279