Great American Life Insurance Company®
Cincinnati, OH     A.M. Best Rated "A" (Excellent)*

Universal Life**:

American Freedom ® Series Universal Life is a flexible premium, nonparticipating universal life insurance policy from the Great American Life Insurance Company ®. This product offers all the advantages of permanent protection with premiums designed to remain competitive for the life of the policy.

Issue Ages: (Age Nearest Birthday)
18-80
Minimum Face Amount:
Issued at ages 18-60	$50,000
Issued at age 61 - 80	$25,000
Underwriting:
Face amounts	Medically Underwritten classifications
$25,000 to $99,999 (thru age 60)	Non Tobacco class Tobacco class
$100,000 and above and age 61 and above for all face amounts	Super Preferred Preferred Plus Preferred Select Plus Select Standard Substandard through Table 8

Product Features:

• Term alternative UL
• Ability to decrease or increase premiums when financial needs change
• Total premium outlay to age 100 can be less than term or whole life
• Very flexible UL plan

Riders Available**:

Accelerated Benefit Rider, Additional Insured Rider, Child Rider, Accidental Death Benefit Rider, Waiver of Scheduled Premium Rider.

Great American Life Insurance Company®
Cincinnati, OH A.M. Best Rated "A" (Excellent)*

Universal Life Plus**:

American Freedom ® Series Universal Life Plus is a flexible premium, nonparticipating universal life insurance policy from the Great American Life Insurance Company ®. This product is a high target premium universal life policy designed for clients seeking cash value accumulation.

Issue Ages:
0-80 (Ages 0-17 issued in the Select Plus and Non-tobacco classes only.)
Minimum Face Amount
Issued at ages 0-80	$25,000
Underwriting:
Face amounts	Medically Underwritten classifications
$25,000 to $99,999 (thru age 60) Juvenile 0-17 (Non-tobacco)	Non Tobacco class Tobacco class
$100,000 and above Juvenile 0-17 (standard)	Super Preferred Preferred Plus Preferred Select Plus Select Standard Substandard through Table 8

Product Features:

• High Target Premiums M45 $10.85 per $1000 to $21.66 per $1000 ***
• Very aggressive fixed percentage cash accumulation UL
• No lapse guarantee if premiums are paid as scheduled
• Zero net cost loan available after 5 years
• Minimum premium can be up to 60% lower than target premium

Riders Available**:

Accelerated Benefit Rider, Additional Insured Rider, Child Rider, Accidental Death Benefit Rider, Waiver of Scheduled Premium Rider.

*3rd out of 15 ratings. Based on consolidated financial condition and operating performance of the company and its life/health subsidiaries.
**Products and riders not available in all states. Great American Life is licensed to sell products in all states (except New York), the District of Columbia, the U.S. Virgin Islands and Guam.
*** High target premiums listed are indicative of Super Preferred classification ($10.85) and Standard ($21.66) classification rates.
FOR AGENT USE ONLY
LAC0____

Conseco Life Insurance Company®
Carmel, IN      A.M. Best Rated A-

Universal Life:

The Conseco Life® Universal Life plan is a flexible premium, nonparticipating universal life policy. This contract offers protection, flexibility, and liquidity, extremely competitive accumulation values, along with the feature of banding in cash value products.

Issue Ages: (Age Nearest Birthday)
Non-smoker Select	0-85
Select	15-85
Minimum Face Amount
Issue Ages 0-59	$25,000
Issue Ages 60-85	$10,000
Face Amount Bands:
Band 1	$10,000-$99,999
Band 2	$100,000-$249,999
Band 3	$250,000 and above

Product Features:

• 
• Rider options allow custom design
• Extremely competitive COI charges
• Zero spread loans

Riders Available:

Children's Term Insurance Rider, Accidental Death Benefit Rider, Death Benefit Guarantee Rider, Disability Income Rider, Life Insurance Protection Rider, Maturity Date Extension Rider, Spouse Level Term Insurance Rider, Unemployment Rider, Waiver of Planned Periodic Premium.

General American Life Insurance Company®
St. Louis, MO     A.M. Best Rated A+*

Universal Life (01):

General American Life's Universal Life 2001 product has all the features you would expect in a top of the line brokerage UL product. The top- flight service offered to agents from General American is unbeatable!

Issue Ages: (Age Nearest Birthday)
Standard Risk Classification	Ages 20-85
Elite and Preferred Risk Classification	Ages 20-80
Underwriting Classifications:
Ages 20-80	Elite Preferred Non Smoker Standard Non Smoker Preferred Smoker Standard Smoker Substandard through table 16 (400%)
Ages 20-85	Standard Non Smoker Preferred Smoker Standard Smoker Substandard through table 16 (400%)
Minimum Face Amount
$100,000

Product Features:

• Flat extras and table ratings through age 80
• Substandard through table 16
• Guaranteed Interest Crediting is 4%
• Guaranteed Lifetime no-lapse protection through Coverage Continuation Rider
• Currently crediting 7% on the cash value growth!
• Guaranteed Death Benefit beyond Age 100

Riders Available:

Accelerated Benefits Rider, Coverage Continuation Rider, Supplemental Coverage Term Rider, Waiver of Specified Premium Rider.