IncomeCertain

1. OMFN IncomeCertain

2. Market Opportunity Boomer’s are running out of time and need an innovative solution for their Protection and Retirement Income Needs

3. IncomeCertain Provides an Innovative Solution for YOUR client

4. IncomeCertain Plan For Tomorrow Today!! IncomeCertain can help plan for tomorrow today by: • Providing the protection to meet the needs today, such as: • Mortgage • Credit Debt • Outstanding Loans • College Education • Providing a way to accumulate funds for retirement – with every premium payment, funds are accumulated that will be returned at the end of the term • Providing a guaranteed income stream for 10 years that can be used to supplement retirement income at the end of the term

5. IncomeCertain IncomeCertain Advantage With IncomeCertain, a person has 3 Guarantees: • GUARANTEED that premiums will remain the same for the entire duration of the term!! • GUARANTEED death benefit!! • GUARANTEED to receive monthly payments for a 10 year period at the end of the term!!

6. IncomeCertain Policy Basics • 15, 20, 25 or 30 Year Guaranteed Level Term Product to Age Range 65-70 • Issue Ages: 35-55 (Age Last Birthday) • Term Periods vs. Issue Ages • Minimum Face Amount: $50,000 (No Maximum Limit) • Return of Premium Rider (ROP) is required on all policies • Non-Renewable and Non-Convertible

7. IncomeCertain Premiums • Premium rates are guaranteed for entire term of policy • Unisex rates • Standard Non-Smoker and Smoker rates only • Smoker rates apply to cigarette use only last 12 months • Premium rates are banded (standard premium modes apply: .51; .26; .09) • Band 1: Face Amounts $50,000 thru $200,000 • Band 2: Face Amounts $200,001 and higher • Policy fee included in the premium rates • Premium purchase rate sheets available for easy use • Signed illustration not required

8. IncomeCertain Death Benefit Payouts • Guaranteed level death benefit to ages 65-70 depending upon issue age • Death benefit options during term period • Lump sum payment, or • Standard settlement options • Option to add Ultimate Income Rider at issue • Provides a $25,000 lump sum payment at death, and • A 10 year guaranteed monthly income • Based upon premium payment amount

9. IncomeCertain Ultimate Income and Filling out the Application - Basics • Plan of Insurance: IncomeCertain • Face Amount (Note: This is not the total amount paid out by the rider, this is the face amount of the policy at death) • Listed on illustration output and Money Purchase Sheet • Ultimate Income Payout • Initial Lump Sum: $25,000 • Monthly Income: Based on Premium amount. Consult Illustration Software or Money Purchase Sheet • Years: 10 • Final Lump Sum: $0

10. IncomeCertain Face Amount Years Initial Lump Sum Monthly Income Ultimate Income and Filling out the Application - Money Purchase Sheet *Note: Final Lump Sum is always $0

11. IncomeCertain Ultimate Income and Filling out the Application - Illustration Software Monthly Income and Years Initial Lump Sum Face Amount Final Lump Sum

12. IncomeCertain

13. IncomeCertain Living Benefit Payouts • Policy surrender option during term period • Standard Return of Premium terms and conditions apply • Policy surrender option at end of term period • SPIA payment option • Guaranteed 10 year monthly payment • Payment includes an account bonus based upon face amount • 10% bonus on ROP: $50,000 thru $200,000 • 20% bonus on ROP: $200,001 and higher • Lump sum payment option • No bonus • There will be limited taxation on the monthly payment option

14. IncomeCertain Benefit Example • What benefits are available for a 45 year old male, non-smoker with a monthly payment of $200?

15. IncomeCertain Benefit Example – Living Benefits • GUARANTEED Return of Premium: $60,000 • ($200 x 12 x 25 = $60,000) • or • GUARANTEED 10 year Monthly Payout: $663.80 • GUARANTEED 10 Year Total Payout: $79,656 • (Includes 10% bonus) • ($663.80 x 12 x 10 = $79,656)

16. IncomeCertain Benefit Example – Death Benefits • GUARANTEED lump sum death benefit: $154,643 • or • GUARANTEED Ultimate Income Benefits: • $25,000 Initial Lump Sum • $1,428.98 per month for 10 years • Total Payout: $196,477.60 • (($1,428.98 x 12 x 10) + $25,000 = $196,477.60)

17. IncomeCertain Underwriting Guidelines • Accept/Reject – for all issue ages up to the non-medical maximum amount of $200,000 (refer to HomeCertain Guidelines) • Fully underwritten for face amounts over the non-medical maximum amount (refer to Saver’s Select Guidelines) • Underwriting guidelines are based upon total coverage in force and/or applied for with OMFN (see next slide for non-medical underwriting guidelines when existing OMFN business is in force) • Standard to Table 4 - Decline if over Table 4 rating • No substandard tables will be issued • Any Flat Extras will be converted to an appropriate table rating

18. IncomeCertain Non-Medical Underwriting Guidelines • Total IncomeCertain amount applied for and in force can not exceed $200,000 • When an existing simplified underwriting policy with OMFN is in force, the total in force and applied for amount cannot exceed $250,000. • The IncomeCertain face amount cannot exceed $200,000 • When an existing fully underwritten policy with OMFN is in force, the total in force and applied for amount cannot exceed $500,000 • The existing in force OMFN policy must have been issued within the last 12 months from date of IncomeCertain application and approved at standard or better rate classification. • The IncomeCertain face amount cannot exceed $200,000

19. IncomeCertain • Questions?

20. Income Certain Help Your Clients Plan for Tomorrow Today With IncomeCertain!