NEW Special Option to Purchase Additional Insurance (OPAI) With Whole Life

1. NEW SpecialOption to Purchase Additional Insurance (OPAI)With Whole Life

2. OPAI Currently a Whole Life policy provision made available at 2nd & 4th policy anniversary

3. OPAI - Expanded Option • Adding a special OPAI opportunity on Whole Life on 1st, 3rd, & 5th policy anniversary Expanding OPAI to include ART, 5 Year Term, 10 & 20 Year Term, Unique Life, & Vitalife on 1st through 5th policy anniversaries Delivered to Branches to work as leads

4. Whole Life Policy Offered • Whole Life Policy To Be Offered • The amount of the original policy’s face amount,not to exceed $25,000 • Total of special OPAI purchased not to exceed $50,000 • Will not contain ADB, PW or OPAI provisions. 

5. OPAI — To Be Eligible For the Offer The Existing Policy Must be a Unique Life, ART, 10RC/20RC, 5RT or Vitalife policyholder or Whole Life policyholder at 1st, 3rd or 5th anniversary Must be active status within first 5 years of issue Must be on Bank Draft Mode Cannot be rated Cannot be on APL

6. OPAI — To Be Eligible For the Offer

7. OPAI — Customer Letter Must Be Hand Delivered

8. OPAI — Accepting the OPAI As Offered No health questions Applicant must answer the disability question Obtain the Applicant’s signature Obtain bank draft Authorization Leave the Applicant a Conditional Receipt

9. Complete the Special OPAI Offer application Mark through the pre-printed  amount and indicate the amount applied for.  Have the customer initial the change.  Do not change the plan on the application. Obtain bank draft Authorization Leave the Applicant a Conditional Receipt Complete the Home Office Verification Form R-3637 Alabama/Mississippi Only – Attach Arbitration Form R-3423 OPAI — Changing The Face Amount on OPAI Offer

10. Submit Apps To Hoover, AL Liberty National Issue Department 100 Concourse Pkwy.  Hoover, AL 35244 

11. Offer Expiration Offer is valid for 40 days from date on the letter Apps must be dated 7 days prior to effective date Apps must be received in Home Office before Effective Date

12. OPAI - Commissions

13. AL711003