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Forethought Medicare Supplementand ForeLife Final Expense Life InsurancePhase 1FOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS1 2010 Forethought
Company History Forethought Financial Group, Inc., through its subsidiaries,provides innovative insurance and financial solutions for familiesmanaging retirement and end-of-life needs. Headquartered in Indianapolis, Indiana. Forethought Life Insurance Company is rated A- (Excellent)by AM Best and A- (Strong) by Standard & Poor’s. Forethought, through its life insurance subsidiary, has assetsowned and under management in excess of 4.5 billion, and hasserved more than 2 million policyholders since 1985. Forethought Life Insurance Company was named among theprestigious 2010 Ward’s 50 list of the nation’s top 50 highestperforming life-health insurance companies.FOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS2 2010 Forethought
Program Basics Commissions Paid WeeklyCommission Advancing AvailableAffordable, Easy to Sell PlansSimple “Yes/No” Applications for all ProductsTele-Underwriting (Currently Life only)Fax Application Program Available Simply fax completed application and otherapplicable forms to our office, no need to delay theapproval time by using traditional mail servicesFOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS3 2010 Forethought
Plan and Application Options Available Plans Medicare Supplement Standard A, C, F, G, and N* Medicare Supplement Select A, C, F, G, and N** Not approved in all states. Refer to Product Availability Chart. Two Application Choices Separate applications for Med Supp Standard/Select andForeLifeSM life insurance* Combo application for Med Supp Standard/Select andForeLifeSM life insurance** Products not approved in all states. Refer to Product Availability Chart.FOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS4 2010 Forethought
Combo Application One simplified application for MedicareSupplement/Select and ForeLifeSM life insurance ForeLife final expense life insurance is included Issue ages and face amounts Issue Ages 50-80 Face amounts from 2,500 to as much as 30,000 Commissions are not reduced on either product Great opportunity to increase Agents incomeFOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS5 2010 Forethought
Plan AvailabilityLicensed StatesGEORGIAILLINOISPlans AvailableCombo ApplicationStandard PlansSelect PlansA, C, F, G, NAPPROVEDAPPROVEDN/APENDINGPENDINGPENDINGA, C, F, G, NSelect A, C, F, G, NINDIANAA, C, F, G, NPENDINGPENDINGN/AIOWAA, C, F, G, PPROVEDPENDINGKENTUCKYLOUISIANAA, C, F, G, NSelect A, C, F, G, NA, C, F, G, NSelect A, C, F, G, NMISSISSIPPIA, C, F, G, NPENDINGPENDINGN/ANORTH CAROLINAA, C, F, G, IOOKLAHOMASOUTH CAROLINATEXASA, C, F, G, NSelect A, C, F, G, NA, C, F, G, NSelect A, C, F, G, NA, C, F, G, NA, C, F, G, NSelect A, C, F, G, NVIRGINIAA, C, F, G, NPENDINGPENDINGN/AWEST VIRGINIAA, C, F, G, NPENDINGPENDINGN/AFOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS6 2010 Forethought
Medicare Supplement Standard/Select ProductsPhase 1 OHNJWVKSMOVAKYNCTNAZOKNMSCARALLATXSeparate ApplicationMedicare SupplementCTPAIAGAMSFLCombo Application MedicareSupplement and ForeLifeProduct Not Yet FiledIncludes Medicare Supplement SelectFOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS7 2010 Forethought
Competitive Picture(Rates are subject to change){Texas Plan G – 65 Year Old/Female/Non-Tobacco} {Forethought Life Insurance Company}{ 88.28} {United National} {Royal Neighbors} {Loyal American}{ 107.78}{ 123.78}{ 122.32}{South Carolina Plan G – 65 Year Old/Female/Non-Tobacco} {Forethought Life Insurance Company}{ 78.99} {Loyal American} {American Continental} {Hartland National}{ 103.50}{ 95.21}{ 86.55}FOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS8 2010 Forethought
Forethought helps make AGENTSmore money! Final Expense life insurance will beoffered to all medically approved MedicareSupplement Standard and Select insureds Certificate will be delivered with theMedicare Supplement Standard/Selectpolicy The rates will be pre-printed on the backside of the Certificate Tele-underwriting available with instantapprovalFull CommissionFOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS9 2010 Forethought
ForeLifeSM Final ExpenseLife Insurance ForeLife – Immediate Death Benefit Issue Ages: 50-80 Face Amounts: 2,500- 30,000 Street Level Commissions- General Agent: {110%} Death Benefit Concierge Service-Assists withexpediting claims & finding Funeral HomesFOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS10 2010 Forethought
ForeLifeSM Final ExpensePremium Rate Comparison{ 10,000 Face, Nonsmoker, Age 65}{Female: 25.86}{Male: 31.05}{Assurant}{Unity}{Female: 45.75}{Female: 32.27}{Male: 58.25}{Male: 41.73}FOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS11 2010 Forethought
Why Choose Forethought LifeInsurance Company ? Established company with a heritage in the senior market space. A.M. Best A- rated carrier Multiple products, one application Build a stronger relationship with your customers Make multiple sales off of the same lead Competitive commission rates Quick application turnaround (Assuming complete applications) Med Supp - Up to 5 days Final Expense – 3 to 4 days Service oriented Direct company contact We are here to serve our agents and policy holdersFOR AGENT USE ONLY – NOT FOR USE WITH CONSUMERS12 2010 Forethought
Forethought, through its life insurance subsidiary, has assets owned and under management in excess of 4.5 billion, and
