Slide 1:1 Fidelity Life Association Established 1896 Sales and Marketing Material Provided by Brokers Alliance, Inc. © 2008 Brokers Alliance, Inc. All Rights Reserved


Slide 2:2 FIDELITY LIFE Heritage based upon innovation and relentlessly striving for creating competitive advantage Established in 1896 Over $22.67 billion of life insurance in-force, over $550 million admitted assets, capital and surplus over $275 million. One of the industry’s strongest Capital-to-Risk ratios, Fidelity offers A.M. Best A- (Excellent) rating. Providing financial security to growing middle class First to issue insurance certificates to both men and women Re-defining interaction Exclusive and limited distributor base Total access to key decision makers Flexibility and quickness-to-market Re-inventing underwriting Unique web-based application and underwriting process Technologically driven and customer-centric Underwriting streamlined to make decisions in days (not months) © 2008 Brokers Alliance, Inc. All Rights Reserved Fidelity Life Association Innovation is our Policy


Slide 3:3 INNOVATION SPECIFICALLY DESIGNED FOR MIDDLE MARKET DEMOGRAPHIC – Largest Untapped Demographic Why target middle-income Americans? The market is enormous and untapped: 82 million American households have an annual income less than $75,000, according to the U.S. Census Bureau 56 million households do not own an individual life insurance policy AND 35 million of these have no life insurance at all* 48 million households recognize that they need more life insurance Equating to $200,000 in coverage per household and over $9 billion of new annual premium* * Source: LIMRA International’s Life Insurance Ownership Study: Facts about Life, 2005 © 2008 Brokers Alliance, Inc. All Rights Reserved Fidelity Life Association. Fidelity Life Association Innovation is our Policy


Slide 4:4 Rapid Decision Term from Fidelity Life Association


Slide 5:5 RAPID DECISION TERM – Product Information No Medical Exam - No Blood, No Urine, Underwritten within 48 Hours Paper or Electronic Application Process 5, 10, 15, 20, or 30-year initial level guaranteed premium Guaranteed annual renewable term (ART) rates to age 95 Ages Face Amount (Min & Max) Ages Term Length (Min & Max) 16-45 $50,000 $300,000 50-75 5-year term 46-55 $50,000 $200,000 16-75 10-year term 56-65 $25,000 $100,000 16-70 15-year term 66-75 $10,000 $25,000 16-65 20-year term 16-50 30-year term © 2008 Brokers Alliance, Inc. All Rights Reserved Rapid Decision Term from Fidelity Life Association


Slide 6:6 PREMIUM CLASSES Select Non-nicotine, Standard Non-nicotine, and Standard Nicotine premium classes available No rated / substandard classes available BILLING Credit Card & EFT Billing options available on all modes Available in all states except Maine, New York, Vermont, Washington, Wyoming © 2008 Brokers Alliance, Inc. All Rights Reserved Rapid Decision Term from Fidelity Life Association


Slide 7:7 PRICE COMPARISON Compare: $200,000 Male Age 40, Non Tobacco, 20-Year Term, Standard Rate Class Company Monthly Premium Fidelity Life Rapid Decision Term/Standard $42.02 HSBC Instant Issue $121.85 The following illustrates fully underwritten (up to 2 months) policies: American General $48.30 Old Mutual $53.82 Prudential $43.89 West Coast Life $33.78 United of Omaha $40.58 Banner $40.60 © 2008 Brokers Alliance, Inc. All Rights Reserved Rapid Decision Term from Fidelity Life Association


Slide 8:8 UNDERWRITING APPROACH - Rapid Decision Term Application information Health and lifestyle data Reports/information gathered on all applicants MVR - Motor Vehicle Report MIB - Medical Information Bureau Pharmacy Report Phone interviews Mandatory over age 55 As needed basis to verification/clarify information received in any reports Underwriter will attempt 3x to reach applicant If no answer, file then closed (3-5 days) Can be re-opened within 30 days © 2008 Brokers Alliance, Inc. All Rights Reserved Rapid Decision Term from Fidelity Life Association


Slide 9:9 PRE-QUALIFTYING GUIDELINES – Rapid Decision Term Must have US Citizenship or permanent resident status (green card) Valid US driver’s license No current suspensions No DUIs in last 3 years Unacceptable health conditions/medical history - treatment or diagnosis in past 10 years (any that would require an APS or Blood/Urine samples) Diabetes, cancer, heart attack, heart bypass/angioplasty, sleep apnea, stroke/TIA Acceptable health conditions/medical history Anxiety/depression - single med, no disability Asthma - mild, no steroid use, no ER or hospital visits and no time off work Infrequent attacks, 1-5 per year that are controlled with inhalers or simple bronchodilator medication (ie., episodes brought on by allergies, cold, exercise. Hypertension/high blood pressure - controlled Cholesterol - controlled © 2008 Brokers Alliance, Inc. All Rights Reserved Rapid Decision Term From Fidelity Life Association


Slide 10:10 OPTIONAL RIDERS - Rapid Decision Term Return of Premium Returns up to 100% of all eligible premiums upon lapse of policy or expiration of initial term period Issue ages: 20-60 Rapid Decision Term From Fidelity Life Association © 2008 Brokers Alliance, Inc. All Rights Reserved


Slide 11:11 OPTIONAL RIDERS - Rapid Decision Term cont. Accidental Death Benefit Additional benefits include: Travel Accident Benefit and Auto Safety Benefit Optional benefits: Spouse and Dependent Children Benefit Inflation Rider Minimum / Maximum Face Amounts Minimum $25,000 Maximum $300,000 Issue ages: 20-60 One-time 50% decrease in benefit at age 70 Expires at age 80 © 2008 Brokers Alliance, Inc. All Rights Reserved Rapid Decision Term From Fidelity Life Association


Slide 12:12 OPTIONAL RIDERS - Rapid Decision Term cont. Dependent Child Rider Level term insurance on all eligible dependent children to age 23 Issue ages: 15 days to 18 years (dependent children) Issue ages: 20-60 (insured age) Minimum / Maximum Benefit Amounts Minimum $5000 Maximum $25,000 Expires at insured’s age 60 Rapid Decision Term From Fidelity Life Association © 2008 Brokers Alliance, Inc. All Rights Reserved


Slide 13:13 OPTIONAL RIDERS - Rapid Decision Term cont. Waiver of Premium Waives all premiums during period of total disability 6-month Elimination Period (retroactive to date of disability) Elimination Period is the period of time between when an injury or illness begins and when the client begins receiving benefit payments. During this period, the policyholder must pay his/her premiums. Issue ages: 20-55 Expires at age 60 Rapid Decision Term From Fidelity Life Association © 2008 Brokers Alliance, Inc. All Rights Reserved


Slide 14:14 OTHER RIDERS – Rapid Decision Term Accelerated Death Benefit Advances up to 50% of base plan death benefit Proof of life expectancy 12 months or less Accelerated benefits payable two years after issue Issue Ages: same as base policy Expires at age 85 This rider is added to each policy automatically at no additional cost where approved (not available in all States). Rapid Decision Term From Fidelity Life Association © 2008 Brokers Alliance, Inc. All Rights Reserved


Slide 15:15 Fidelity Life Website: www.fidelitylife.com For Agents section Quote engine Product and New Business Guide Detailed underwriting guidelines Product availability Applications and forms Marketing materials Agent Log in Pending business details Production Reports © 2008 Brokers Alliance, Inc. All Rights Reserved Marketing Support from Brokers Alliance, Inc.


Slide 16:16 Sales and Marketing Support Mark D. Graham – National Business Development / Brokers Alliance, Inc. Phone: 281.255.8067 7 days per week, 8:30AM to 7:00PM CST Email: mark@brokersalliance.com 24/7 © 2008 Brokers Alliance, Inc. All Rights Reserved Marketing Support from Brokers Alliance, Inc.