Protect Your Retirement Against the Odds

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 Help Protect Your Retirement Against the Odds [Producer Name], Insurance Professional [Company Name][“and Insurance Services” (required in CA)] [Phone Number] [Email] [Website] [State Insurance License #XXXXXX (required in AR, CA)] Single Premium Life Insurance AE02183026B

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. Long Term Care/Health Care Disconnect Retirement Concerns: Pre-Retirees: Retirees: Paying for Long Term Care: 73% 59% Paying for Health Care: 53% 75% Society of Actuaries, January 2018, "2017 Risks and Process of Retirement Survey," https://www.soa.org/press-releases/2018/risk-process-retirement.pdf, Accessed February 2, 2018.

5. Long Term Care/Health Care Disconnect Personal life expectancy is 10 years shorter than the age of their longest living relative, according to 37% of pre-retirees and 28% of retirees. Society of Actuaries, June 29, 2016, “Society of Actuaries Survey Examines Retirement Concerns and Managing Risks," https://www.soa.org/press-releases/2016/survey-examines-retirement-concerns, Accessed February 5, 2018.

6. “It won’t happen to me!”

7. What are the Odds? 80% • of adults have at least one chronic illness.1 • of Americans aged 55+ are at risk for hypertension, or high blood pressure.1 • turning age 65 will need some type of long term care during their lifetime2 90% 70% 1National Council of Aging, 2016, “Healthy Aging Facts,” https://www.ncoa.org/news/resources-for-reporters/get-the-facts/healthy-aging-facts, Accessed on February 2, 2018. 2LongTermCare.gov, U.S. Department of Health and Human Services, https://longtermcare.acl.gov/the-basics/how-much-care-will-you-need.html, Accessed February 2, 2018.

8. What are the Odds? 30 sec • a new cancer is diagnosed3 • one heart attack occurs4 • one stroke occurs5 40 sec 40 sec 3SEER Training Modules, “Cancer Facts & The War on Cancer,” https://training.seer.cancer.gov/disease/war, Accessed on February 5, 2018. 4American Heart Association, January 11, 2018, “About Heart Attacks,” http://www.heart.org/HEARTORG/Conditions/HeartAttack/AboutHeartAttacks/About-Heart-Attacks_UCM_002038_Article.jsp#.WniRHtCnGUk, Accessed on February 5, 2018. 5Centers for Disease Control and Prevention, September 1, 2017, “Stroke Fact Sheet,” https://www.cdc.gov/dhdsp/data_statistics/fact_sheets/fs_stroke.htm, Accessed on February 5, 2018.

9. Consider the Costs $1 M • Lifetime cost of severe heart attack6 • Median cost per year for private room nursing home7 • Median cost per year for one-bedroom unit in an assisted-living facility7 $97,455 $45,000 6United Policyholders, 2017, “The cost of surviving cardiovascular disease: It’s enough to give you a heart attack!” http://www.uphelp.org/costs-surviving-cardiovascular-disease-it%E2%80%99s-enough-give-you-heart-attack, Accessed on February 5, 2018. 7Genworth Financial, “Genworth 2017 Cost of Care Survey,” https://www.genworth.com/about-us/industry-expertise/cost-of-care.html, Accessed on February 5, 2018.

10. Consider the Costs 81% Increase Median Annual Nursing Home Cost $176,015 $97,455 Genworth Financial, “Genworth 2017 Cost of Care Survey,” https://www.genworth.com/about-us/industry-expertise/cost-of-care.html, Accessed on February 5, 2018.

11. 33% Average income lost by caregivers each year of caregiving.8 • Medical expenses are the leading cause of personal bankruptcies⁹ Are you prepared to cover those costs today? ⁸Genworth Financial, “Beyond Dollars 2015 Exposing the trust costs,” https://pro.genworth.com/riiproweb/productinfo/pdf/164565.pdf, Accessed on February 5, 2018. ⁹National Bankruptcy Forum, May 17, 2017, “10 Statistics about US Medical Debt that Will Shock You,” http://www.natlbankruptcy.com/us-medical-debt-statistics, Accessed on February 5, 2018.

12. The Impact The effects of a chronic illness can ripple across entire families.

13. Single Premium Life Insurance • Have a death benefit need and desire flexibility to access a portion of the policy’s cash value to assist with the costs associated with a chronic or terminal illness. • Generally: • Single premium or limited pay • Simplified underwriting

14. Reposition a Portion Hypothetical Example: Steve’s $1,000,000 retirement portfolio 60 years old $200,000 $200,000 $100,000 $500,000 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.

15. Reposition a Portion Hypothetical Example: Steve’s $1,000,000 retirement portfolio 60 years old $100,000 $100,000 SPL $200,000 $500,000 $100,000 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.

16. SPL = Flexibility If Steve dies An income tax-free death benefit for beneficiaries If Steve gets sick Accelerated death benefits for specified chronic or terminal illness expenses If Steve changes his mind Full return of premium option at anytime* *availability may vary by carrier and may require an additional fee. 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.

17. Hypothetical Scenario: for Steve’s $100,000 premium If Steve dies: $186,000 Income Tax-Free Death Benefit1 1If properly structured, proceeds from a life insurance policy are generally income tax- free to the beneficiary. Life insurance guarantees are backed by the financial strength and claims-paying ability of the issuing insurer. Life insurance policies are subject to medical underwriting, and in some cases, financial underwriting. 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.

18. Hypothetical Scenario: for Steve’s $100,000 premium If Steve gets sick2: $186,000 _________ Nursing Care Benefit paid over 36 months $186,000 _________ Chronic Illness Benefit paid over 60 months $176,700 _________ Terminal Illness Benefit OR OR $100,000 premium 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. 2An acceleration of the policy death benefit is generally income tax-free. Benefits are typically available only through an optional rider which may require an additional fee; rider and/or life insurance product availability may vary by state. Actual rider benefit amount will vary according to the rules and restrictions of the specific life insurance product selected and will reduce the ultimate death benefit and cash value. Accelerated benefits are not a replacement for long-term care insurance and are subject to eligibility requirements. You should consult a qualified tax professional for information on how benefits received may impact your personal situation.

19. Hypothetical Scenario: for Steve’s $100,000 premium If Steve changes his mind: $100,000 Return of Premium3 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. 3Upon full surrender, less any previous loans and withdrawals. Exact details of rider options vary by company and may require an additional fee, see full illustrations for details.

20. Different Options for Different Priorities Cash Accumulation Death Benefit Accelerated Benefits

21. Different Options for Different Priorities Cash Accumulation Death Benefit Accelerated Benefits

22. Different Options for Different Priorities Cash Accumulation Death Benefit Accelerated Benefits

23. If the Following Apply to You… • A need for life insurance (death benefit) • Desire the potential for income tax-deferred interest credits • Access to accelerated death benefits in the event of a chronic or terminal illness, subject to qualification • Access to policy loans and withdrawals1 • Simplified underwriting with just a few medical questions 1Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse, or affect guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Tax laws are subject to change and you should consult a tax professional.

24. Let’s Take a Closer Look at Single Premium Life Insurance • [Producer Company Name/Logo/Contact Info/Etc. placed here]