TRAINING HANDOUTS Sheets V2/Library… · Product Information – $3,000 Accidental Death Insurance 85 R-3574 Accidental Death Policy Brochure 85 A-394 Application for Accidental

TRAINING HANDOUTSDAY 1

LNL0765 0508

Page �

TABLE OF CONTENTS

Agent Information – Commission Schedules 3Liberty National Product Training Compensation PowerPoint Slides 3

Product Information – Whole Life 27R-3324 Whole Life Brochure 27R-3355 Whole Life WIth Extra Benefits Brochure 29R-3356 Whole Life Without Extra Benefits Brochure 33R-3040 Supplementary Benefits Brochure 35A-250 Primary Insurance Application 37A-251 Supplemental Application 39

Product Information – Modified Life 41R-2468 Modified Life (ALX) Brochure 41Agent's Instruction Guide Form 59, Page A-33 for ALX 43

Product Information – Cancer 45R-2738-5 Cancer Care Brochure 45R-2738 Cancer Care Plus Brochure 47R-3551 Cancer Interview Guide 49A-372 Application for Cancer Expense Policy 51Individual Cancer Rates from Form 61 53R-3290 Payroll Deduction Premiums 55R-3290-F Payroll Deduction Premiums for Florida 57R-3290-G Payroll Deduction Premiums for Georgia 59R-3290-S Payroll Deduction Premiums for South Carolina 61

Product Information – Hospital 63R-3118 Hospital Intensive Care Brochure 63A-372 Application (see page 51) 65

Product Information – Annual Renewable Term 67R-3547 Annual Renewable Term to Age 100 (ART) Brochure 67Annual Renewable Term (ART) Proposal Illustration 69A-250 Application (see page 37) 72

Product Information – Mortgage Decreasing Term 73R-3563 Mortgage Decreasing Term (MDT) Brochure 73Mortgage Decreasing Term (MDT) Proposal Illustration 77A-250 Application (see page 37) 80

Product Information – Level Premium Decreasing Term 81Level Premium Decreasing Term (LPDT) Proposal Illustration 81A-250 Application (see page 37) 84

Product Information – $3,000 Accidental Death Insurance 85R-3574 Accidental Death Policy Brochure 85A-394 Application for Accidental Death Policy 87

Marketing Plan – Training 89How to Work Leads Chart 89Response Lead Contact Script 90Referrals Script 91Referrals Script - Answers to Objections 92Telephone Approaches 93Door Openers 95R-3683 Interim Term Rider Brochure 97R-1632-1 Referred Leads Form 99Market Survey 101R-3392 Basic Needs Worksheet 103

LNL0766 051508New LNL Product Training

Liberty ProductTraining


Compensation

Page �

Liberty National Product Training Compensation PowerPoint Slides


UA Agents are paid by LNL as 1099 independentcontractors so no taxes are withheld frompaychecks.

A percentage of the first-year commission willbe credited and included in the Direct Pay in theAgent’s weekly earnings when an application iskeyed into the Issue System in the Liberty HomeOffice.


Previous employment: HR office

Year Appointed: June 2004

Market Specialty: Worksite

Corrie H.

Page �


Year Premium Issued Total Earnings

2004 35,300 $33,400 (1/2 yr)

2005 109,700 $123,700

2006 128,700 $137,200

2007 173,900 $231,400

Corrie H. EarningsLook at Issue vs. Income(Bonus + Commissions)


Previous employment: Manual Labor

Year Appointed: 1991

Market Specialty: Everything

Jeff L.

Page �


Year Premium Issued Total Earnings

2004 225,500 $278,800

2005 267,500 $292,000

2006 229,400 $362,800

2007 297,900 $411,900

Jeff L. EarningsLook at Issue vs. Income(Bonus + Commissions)


Commissions - Sources of Earnings

1. Submit Advance

2. Production Bonus

3. Commission Account Draw

4. Renewals

Liberty National

Page �


Commissions

Direct Pay (Submit Advance)

+

Balance of 1st year Commissions

Deposited into Commission Account

+

As-earned Renewals - Years 2+

Liberty National



Submit Advance Example:$2000 commissions

Mon-Fri Keyed into Home Office

Thursday Next Week $1400 Direct Pay Paid EFT on Submit

Mon-Fri Policy issued

Saturday $600 into Commission Account on Issue

Thursday Next Week Payment from Account

Agent receives payment from commission account via EFT.

With the exception of Annual Premium Policies, the maximum amount of Direct Pay on

one application/policy is $300.

Liberty National

Page �


After the Direct Pay Advance is delivered on submit in week #1, the balance of 1st yearcommissions is deposited into the commission account on issue.

Each week thereafter, a percentage of the balance of your first year advancedcommissions is paid out of your Commission Account.

The amount of your total 1st year commissions released is dependent on the size ofyour commission account balance:

Commission Account balance % of Balance Paid Weekly Est. Time to receive balance of 1st Yr. Commission*

Less than $3000 6% 16.7 weeks$3000 to $3999 8% 12.5 weeks$4000 or more 10% 10 weeks

At LNL, the balance of your total first year commissions is paid out much

quicker than at UA.

*Assumes new weekly commission deposits with balance remaining constant

Commission Account



Commission Account Draw Example:

1. Annual Commission

2. X .70 (Bank Draft submit advance, or 50% for Section 125) - paid EFT Thursday following week submitted

3. Remaining 30% goes into commission account at issue - first draw (6%, 8% or 10%, depending oncommission account size) will be deposited on Thursday of the week following issue

IN Weekly: OUT Weekly:

Direct Pay:100% of Year’s 70%

Annual

Commissions Non-Direct Pay:

6%, 8% or 10%

COMMISSION

ACCOUNT

Add: Commissions

Minus: Declines,

Cancellations,

Not-Takens

Liberty National

Page �


Commission Account

Advances are as follows:

Mode % of All 1st year Commissions Advanced:

BB (MBD) 70%

Annual 70%

125 Payroll Deduction 50%

Other Modes (Annual, Semi-Annual, Quarterly) 30%

The maximum amount of Direct Pay on one application/policy is $300. If the commission

account balance falls below $500, the amount of Direct Pay will be reduced by one half.

This rule applies 13 weeks after an Agent has written his first policy.

Liberty National



2nd and Subsequent Years Renewal Example:

Renewal commission is the commission %

x Premiums paid by customer in that year

Renewal commissions are paid as earned.

Liberty National

Page �


DeclinesThe application is declined for underwriting reasons such asmedical history, motor vehicle report, paramed exam, etc.

Liberty Terminology


CancellationsThe application has not been issued in the home office. A customerrequests the application be cancelled prior to issue. Theapplication can also be cancelled if the underwriting requirementsare not completed within a specified time. The application can alsobe cancelled if a COD policy is not placed.

Liberty Terminology

Page 10


Not-takensThe policy is issued and delivered. The customer does not paythe initial premium amount due or the customer decides that hedoesn’t want the policy and returns the policy during his freelook period.

Liberty Terminology


LapsesThe policy is issued and delivered to the customer. The customeraccepts the policy, but does not pay 2nd or subsequent premiumswhen due.

Liberty Terminology

Page 11


DCNs are debited from the commission account

Declines, Cancellations,

Not-takens (DCNs)


Production BonusSource of Earnings

Production Bonus Example:Mon-Fri Keyed into Home Office

Thursday Week-after-next 100% Direct Pay Paid EFT

Liberty National

Page 1�


Production Bonus is based on Gross Annual Submitted Premiums:

First Year Agent (FYA) Production Bonus:The bonus qualifying amount is $750 gross annual premiumsubmit each week for First-Year Agents (FYA) for their first 9months.

Renewal Year Agent (RYA) Production Bonus Transition:Beginning the 10th month of service, the qualifying amount will beincreased $100 each month until the bonus qualifying amountreaches $1,450 gross submit.

Production Bonus


Gross Submit Qualifies the Agent for the Bonus %Submitting consecutive weeks of Annual Premium at $750 or more adds Production

Bonus on top of LNL’s commission rates:

1st 13 weeks of Agent Service

Consecutive Agent Overwrite % of Agent’s Bonus for:

Week # Production Bonus %* UM** BM**

1 10% 60% 40%

2 20% 60% 40%

3 30% 60% 40%

4 40% 60% 40%

* Agent’s Bonus is determined by net submit issued and multiplied by DCN table.

** BM and UM bonus is paid based on Agent’s gross bonus before DCN multiplier is applied;

BM’s or UM’s own DCN multiplier is applied for BM or UM bonuses.

First Year Agent ProductionBonus Schedule

Page 1�


The production bonus is calculated weekly,using a Production Bonus DCN Multiplier.

The DCN Multiplier is based onDeclines, Cancellations, and Not-takens.

Production Bonus


1. The Agent Production Bonus Multiplier (PBM): will be based onDeclines, Cancellations, and Not Takens (DCN) with a multiplierof 1.00 for the first two full months of service.

2. The PBM for management: will be determined separately fromthe Agent. In other words, the PBM for a Unit Manager will bedetermined by the unit’s DCN, and the PBM for a BranchManager will be determined by the branch’s DCN.


Page 1�


3. Newly-assigned management: the PBM will be 1.00 for the firsttwo full months in the position.

4. A new Active-Agent DCN: will be calculated after the 25th ofeach month. Activity for the most recent 3 month period will beused in the rolling 3-month period’s calculation.

5. Assignment dates: used at LNL for all UA Agents, UMs andBMs will be their original appointment date in their currentposition with UA.



New Agents

New agents will be given a PBM of 1.00 until they complete two fullmonths of service.

After two months, their own DCN will determine the ProductionBonus Multiplier used for the next month.


Page 1�


Unit Managers1. Newly appointed unit managers will be given a PBM of 1.00 until he/she has

completed two months of service as a unit manager.

2. After two full months of service as a unit manager, the unit manager’s ownPBM multiplier for the unit will be determined based on the active agentDCN on the unit manager’s staff.

3. For a limited time, if the unit manager’s PBM is <1.00, the PBM will be

adjusted to the greater of:

a. The PBM based on their unit -- OR --

b. The PBM based on their branch (but not more than 1.00)

Production Bonus Schedule


Unit ManagersOnce the PBM has been established for a Unit Manager, the Unit

Manager bonus will be calculated by applying the Unit Manager’s PBM

to each Agent bonus payable in that unit as follows:

(Agent bonus before Agent multiplier) x (UM Bonus override %) x (PBM)

for the unit.


Page 1�


Branch Managers1. Newly appointed Branch Managers will be given a PBM of 1.00 until he/she

has completed two months of service as a Branch Manager.

2. After two full months of service as a Branch Manager, the Branch Manager’smultiplier will be determined based on the active Agent DCN for the branch.

.



Branch ManagersThe Branch Manager’s bonus will be calculated by applying the Branch Manager’sPBM to each Agent bonus payable in that branch as follows:

(Agent bonus before Agent multiplier) x (BM bonus override %) x (PBM)

for the branch.


Page 1�


% % %DCN Multiplier DCN Multiplier DCN Multiplier0 1.35x 11 1.11x 22 .92x1 1.35x 12 1.09x 23 .90x2 1.35x 13 1.07x 24 .88x3 1.32x 14 1.05x 25 .85x4 1.29x 15 1.03x 26 .82x5 1.26x 16 1.02x 27 .79x6 1.23x 17 1.01x 28 .76x7 1.20x 18 1.00x 29 .73x8 1.17x 19 .98x 30 .70x9 1.15x 20 .96x 31+ .00x10 1.13x 21 .94x

DCN Bonus Multiplier TableThe higher the DCN quality, the higher the bonus is multiplied.


Example: 5 Monthly Bank Draft Whole Life Apps < $50K65% Annual Commission

$2000 Annual x 65% = $1300 Commission;70% Week’s Direct Pay Advance = $91030% into Commission Account = $390 +Production Bonus (1.00 multiplier) 100% Direct Pay@ 10% = $200@ 20% = $400@ 30% = $600

@ 40% = $800 One Week:

Total Week’s Advanced Income = $1,110 - $1,710 Total Year’s Annual Income = $78,000 - $109,200

Example of Agent Earnings

Page 1�


Annual Premiumvs.

Annualized Premium


Liberty’s first-year commissions are based on annual premium.

Annual premium is the amount a policyholder would pay if theywere paying an annual premium. To calculate annual premium,divide the monthly premium by .09.

Example: $38 per month / .09 = $422.22 annual premium

Annualized premium is the monthly premium multiplied by 12.

Example: $38 x 12 = $456

Annual vs. Annualized

Page 1�


Commission ComparisonWhole Life - $38 / month

United American

Commission$38 x 400% = $152 x 70% = $106.40

Bonus$38 x 120% = $45.60 x 100% = $45.60

Total $152.00

237% More from LNL

Liberty National

Commission$38 x 722% = $274.43 x 70% = $192.11

Bonus$38 x 444% = $168.89 x 100% = $168.89

Total $361.00


UA LNLAdvance $106.40 $192.11Bonus 45.60 168.89Total $152.00 $361.00

237% More from LNL

Commission ComparisonWhole Life - $38 / month

Page �0


Commission ComparisonTerm Life - $30 / month

United American

Commission$30 x .75 x 6 = $135

Bonus$30 x 120% = $36 x 100% = $36

Total $171.00

163% More from LNL

Liberty National

Commission$30 x .694% x .7 = $145.83

Bonus$30 x 444% = $133.33 x 100% = $133.33

Total $279.16


UA LNLAdvance $135 $145.83Bonus 36 133.33Total $171 $279.16

163% More from LNL

Commission ComparisonTerm Life - $30 / month

Page �1


Commission ComparisonCancer - Family Age 35

United American $50,000

Commission65 x 200 = 130 x .7 = $91

Bonus0

Total $91.00

320% More from LNL

Liberty National

Commission$32 x 667% = $213 x .7 = $149.41

Bonus$32 x 444% = $142 x 100% = $142.08

Total $291.49


UA LNLAdvance $91 $149.41Bonus 0 142.08Total $91 $291.49

320% More from LNL

Commission ComparisonCancer

Page ��


Electronic Funds Transfer

Weekly Submitted Business

If business is successfully entered Monday - Friday,

then the EFT Deposit will be the following Thursday.

If there is no debit balance, 70% will be advanced.

If there is a debit balance, all commissions will go to thecommission account.

Liberty National


Z Account Credits of $ Net AP by Company

UA LNL ComparisonZ Account % 3.5%* 8.0%** 229% of UA’s

*3.5% only on UA - **8% only on LNL -

all products all products

Liberty National

Page ��


Lead Credits on Net AP by Company

UA LNL

Production Type % AP % AP Comparison

Life 7.0% 15.0%* 214% of UA’s

Health 7.0% 7.5%* 7.5%* n/a

Med-Supp 13% n/a n/a

**Only on LNL products

$70/$1,000 NAIP for Life Business

$80/$1,000 NAIP for Underage Health business if opting out of Life Bonus

$70/$1,000 NAIP for Underage Health business if participating in Life Bonus

$40/$1,000 NAIP for Underage Health business in California branches only

$130/$1,000 NAIP for Medicare Supplement business

*Only for UA BMs in Life Bonus; CA at 4%

Liberty National


Convention Qualification

United American Liberty National

$175,000 to qualify $72,800 to qualify

If 2008 production is If 2008 production is

$140,000 $14,560

80% Qualified 20% Qualified

80% + 20% = 100%

Convention Qualified

Page ��


Qualification period: Runs January 4 - December 26.

Cancellations and Not-takens will be included through February of the following year.

Production requirements:Agents - $72,800 ($1,400/week) AP issue,

Premium growth during remainder of year,Meet all minimum standards

Other clubs and awards:Company Chairman President’s CouncilTop 10 Club Rookie of the YearLeaders Club Senior Liberty UnderwriterPresident’s Club

Liberty NationalAgent Torch Club Qualification


Qualification period: Runs January 4 - December 26. Cancellations andNot-Takens will be included through February of the following year.

Production requirements:

Unit Manager - $208,000 ($4,000/week) AP. Half must be FYA production.Premium growth during remainder of year,Meet all minimum standards

Other clubs and awards:Company Chairman President’s CouncilTop 10 Club Management Achievement AwardLeaders Club New Agent Development AwardPresident’s Club Senior Liberty Underwriter

Liberty NationalUnit Manager Torch Club Qualification

Page ��


Branch Manager - Branches are divided into three flights.

- Top 15 branches in Flight 1 automatically qualify- Top 10 branches in Flight 2 automatically qualify- Top 5 branches in Flight 3 automatically qualify

Branch Manager must meet all current minimum standards.Branch must have premium growth.

Other Clubs and Awards:Leading Branch of the Company - Company Chairman Leaders ClubTop 10 Club - Company Co-Chairman President’s ClubCouncil of Champions President’s CouncilLeadership Development Board

Liberty NationalBranch Manager Torch Club Qualification


Commissions may be split 50-50 only on policieswritten on paper application A-250 only.

A-250 applications cannot be split in E-app system.

Renewal commissions will be paid to the writingAgent as long as the business is in force and theAgent is employed as an Agent, Unit Manger orBranch Manager.

Split Commissions

Page ��

WHOLE LIFE INSURANCEFROM LIBERTY NATIONALPROTECT YOUR FAMILY’S FINANCIAL FUTURE

Whole life insurance can help make sure that your family will have money for:

• FINAL EXPENSES

• A MONTHLY INCOME FOR YOUR SURVIVORS

• MORTGAGE OR RENT PAYMENTS

• EDUCATION EXPENSES FOR YOUR CHILDREN

• DEBTS

With Liberty National’s Whole Life, you also have the option to:

• Choose a reduced paid-up amount of insurance based on cash value in your policy

• Purchase additional insurance on the second and fourth policy anniversaries without proof of insurability. Available for ages 0 - 55.

2001 Third Avenue South • Birmingham, Alabama 35233

LNL0633 0108

Page ��

R-3324 Whole Life Brochure

You Get: The Benefit To You Is:

Choice of Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . This plan is available for ages 0 through 70 in amounts of $20,000 and above.

Guaranteed Death Benefit . . . . . . . . . . . . . . . . . . . . . . . The face amount of your insurance will never decrease as you become older. The death benefit for a child under age two months is one-fourth the face amount (not applicable in OK).

Level Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Premiums are guaranteed never to increase. This helps protect you against . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .potentially higher costs found in other types of policies.

Guaranteed Cash Value . . . . . . . . . . . . . . . . . . . . . . . . . .Guaranteed cash values provide you with a safeguard against economic uncertainty.

Paid-Up Insurance Based On Cash Value . . . . . . . You may choose to use the cash value your policy builds to purchase paid-up insurance.

Option To Purchase Additional Insurance . . . . . . On the second and fourth policy anniversaries you may purchase additional coverage without evidence of insurability. Each Optional Purchase Amount

may be up to the original face amount, not to exceed $25,000. This benefit is available for ages 0 - 55.

Convenient Automatic Pay Plan . . . . . . . . . . . . . . . . . Premiums may be deducted automatically from your checking account.

Payment of Proceeds . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Benefits may be paid directly to your beneficiary or may be assigned to the funeral home.

Plus You Can Add These Extra Benefits: _________________________________________________________

Accidental Death Benefit (ADB) . . . . . . . . . . . . . . . . . For an additional premium, you can add Accidental Death Benefit (maximum of $150,000) for ages 1-59. If you add Accidental Death Benefit, the total death benefit will be twice the face amount for accidental death. ADB coverage terminates at age 65.

Premium Waiver (PW) . . . . . . . . . . . . . . . . . . . . . . . . . .For an additional premium, you can add Premium Waiver if you are ages0-59. With Premium Waiver your coverage will continue if you are totally disabled. If you become totally disabled between ages 5 and 60, premiums are waived as long as you remain disabled. If you become totally disabled after age 60, premiums are waived until age 65 as long as disability continues.

Children’s Insurance Rider (CIR) . . . . . . . . . . . . . . .For an additional premium, term insurance with or without ADB can beadded on the life of each child who is under age 19. Coverage on children begins at age 15 days.

Primary Insured and Spouse Term Riders . . . . . .You can add coverage on yourself or your spouse with term riders. No policy fee will be charged on the rider.

Sex M F Tobacco User yes no

Face Amount $ _________________________________ADB (maximum of $150,000)PW CIR $5,000 $10,000 $15,000 $20,000 $25,000 CIR with ADB $5,000 $10,000 $15,000 $20,000 $25,000 Primary Insured RiderSpouse Term Rider Spouse Term Rider with ADB

Agent’s Name ________________________________________

R-3324, Ed. 8-06

WITH LIBERTY NATIONAL’S WHOLE LIFE :

This is only a brief description of Liberty National’s Whole Life, form 8039, (form 8039-1, FL), OPAI form 6557, Accidental Death Benefit, form 6566 or 6567, Premium Waiver form 5050, Children’s Insurance Rider, form 6349 and Children’s Insurance Rider with ADB, form 6350. Please see the policy for full details,including definitions for accidental death, total disability and the exclusions applicable to these benefits.

Mode

Premium $

ADB Premium $

PW Premium $

CIR Premium $

Rider Premium(s) $(add all rider premiums)

Total $

If extra benefits are included, this brochure should be used in conjunction with brochure R-3040 which describes supplemental benefits.

in Amounts of $5,000, $10,000,$15,000, $20,000 or $25,000

Page ��

R-3324 Whole Life Brochure


• Permanent coverage for you.

• If you are age 55 or under, your future insurability is protected through the Option to Purchase Additional Insurance feature.

• Coverage can be added on you and your eligible family members through Term Riders.

• Your children’s future insurability is protected by adding the Children’s Insurance Rider.

If you are 59 or under, this plan also includes these Benefits:

• Premium Waiver

• Accidental Death Benefit

- Twice the face amount for accidental death; or

- Three times the face amount for auto accident; or

- Five times the face amount for travel accident.

Whole Lifewith extra benefits

From Liberty NationalOffers You and Your Family

These Advantages:

Page ��

R-3355 Whole Life WIth Extra Benefits Brochure

You Get: The Benefit To You Is:Choice of Amounts This plan is available for ages 0 through 59 in amounts of

$2,500, $5,000, $10,000 and $15,000.

Guaranteed Death Benefit The face amount of your insurance will never decrease as youbecome older. The death benefit for a child under age twomonths is one-fourth the face amount. (not applicable in OK)

Guaranteed Premiums Premiums are guaranteed never to increase. This helpsprotect you against potentially higher costs found in othertypes of policies.

Guaranteed Cash Value Guaranteed cash values provide you with a safeguard against economic uncertainty.

Paid-Up Insurance Based On Cash Value You may choose to use the cash value your policy builds to pur-chase paid-up insurance.

Option To Purchase Additional Insurance On the second and fourth policy anniversaries you may purchase additional coverage without evidence of insurability.

Each Optional Purchase Amount may be up to the originalface amount. This benefit is available for ages 0 - 55.

Convenient Automatic Pay Plan Premiums may be deducted automatically from your checking account.

You also get these extra benefits from ages 0-59. The benefits and premiums for premium waiver and accidental death terminate at age 65.

• Premium Waiver (PW) Your coverage will continue if you are totally disabled. If disabled after the policy anniversary following the insured’sfifth birthday and prior to the policy anniversary followingthe insured’s 60th birthday, premiums are waived for aslong as the insured remains disabled. If disabled on or afterthe policy anniversary following the insured’s 60th birthday,premiums are waived until the policy anniversary followingthe insured’s 65th birthday, provided the insuredremains disabled.

• Benefits For Accidental Death

Accidental Death The total death benefit will be two times the face amount.

Death by Automobile Accident The total death benefit will be three times the face amount.

Death by Travel Accident(1) The total death benefit will be five times the face amount.

(1) For a fare-paying passenger on a public conveyor or a passenger in a school bus being operated during regular sessions of such school.

non-accidental

Death

AccidentalDeath

Death By AutomobileAccident

Death By Travel

Accident(1)

Total Death Benefit (Based on Cause of Death)

$ 2,500 5,00010,000 15,000

$ 5,00010,00020,000 30,000

$ 7,500 15,000 30,000 45,000

$ 12,500 25,000 50,000 75,000

Liberty National’s Whole Life With Extra Benefits (Plan WLB)

Page �0

R-3355 Whole Life With Extra Benefits Brochure

Plus You Can Add These Riders: Children’s Insurance Rider (CIR) For an additional premium, term insurance, with or with-In Amounts of $5,000, $10,000, $15,000 out accidental death benefit (ADB)(2), can be added on $20,000 or $25,000 the life of each child who is under age 19. Coverage on

children begins at age 15 days. The CIR coverage cannot exceed the primary insured’s coverage (base policy plus rider).

Primary Insured Term Rider For an additional premium you can add term insurance coverage on yourself. No policy fee will be charged on the rider.(2)

Spouse Term Rider For an additional premium you can add term insurance coverage on your spouse. No policy fee will be charged on the rider.(2)

(2) Term riders can only be added to whole life policies of $5,000 or more.

Agent’s Name ________________________________________

This is only a brief description of Liberty National’s Whole Life, form 8039, OPAI form 6557, Accidental Death Benefit, form 6559, Premium Waiver form 5050, Children’s Insurance Rider, form 6349 and Children’s Insurance Rider with ADB, form 6350. Please see the policy for full details.

Proposed Coverage for You and Your Family Members

Amount of Coverage PremiumPrimary Insured Whole Life $ __________ $ __________

Primary Insured Term Rider (With PW) __________ __________

Spouse Term Rider (With PW) __________ __________With ADB(3) Without ADB

Children’s Insurance Rider __________ __________With ADB(3) Without ADB

Mode _________ Total Premium $ __________

(3) The ADB on the Spouse Term Rider and Children’s Insurance Rider does not include extra benefits for death by automobile accident and death by travel accident.

Page �1



R-3355, Ed. 11-06

Since 1900 we’ve grown into one of the nation’s leading insurers with over 100 locations

and over 2,000 representatives in hometowns across the country.

We believe in personal, one-to-one, hometown service. That’s the way it ought to be.

We offer ways to help you provide money for your family — money which can be used for:

• funeral expenses • mortgage payment in case of death

• living expenses • cancer treatment

• medical expenses • monthly income to survivors

We also offer an auto club which provides travel services and personal accident coverage.

See your hometown Liberty National agent today for details.

Products offered may vary by state.

LNL0623 0108

Page ��



• Permanent coverage for you.

• If you are age 55 or under, your futureinsurability is protected through the Option toPurchase Additional Insurance feature.

• Coverage can be added on you and youreligible family members through Term Riders.

• Your children’s future insurability is protectedby adding the Children’s Insurance Rider.

Whole Lifewithout extra benefits

From Liberty National Offers You and Your Family

These Advantages:

LNL0631 0108

Page ��

R-3356 Whole Life Without Extra Benefits Brochure

Liberty National’s Whole Life Without Extra Benefits (Plan WLN)

You Get: The Benefit to You Is:Choice of Amounts This plan is available for ages 0 through 80 in amounts of

$2,500, $5,000, $10,000 and $ 15,000. This plan is availablein the amount of $1,000 for ages 60 - 80.

Guaranteed Death Benefit The face amount of your insurance will never decrease as you

months is one-fourth the face amount. (not applicable in OK)

Guaranteed Premiums Premiums are guaranteed never to increase. This helpsprotect you against potentially higher costs found in othertypes of policies.

Guaranteed Cash Value Guaranteed cash values provide you with a safeguard againsteconomic uncertainty.

Paid-Up Insurance Based On Cash Value You may choose to use the cash value your policy builds topurchase paid-up insurance.

Option To Purchase Additional Insurance On the second and fourth policy anniversaries you maypurchase additional coverage without evidence of insurability.Each Optional Purchase Amount may be up to the original

Convenient Automatic Pay Plan Premiums may be deducted automatically from yourchecking account.

Plus You Can Add These Riders:• Children’s Insurance Rider (CIR)

In Amounts of $5,000, $10,000, $15,000, $20,000, or $25,000

For an additional premium, term insurance, with or without

each child who is under age 19. Coverage on children beginsat age 15 days. The CIR coverage cannot exceed the primaryinsured’s coverage (base policy plus rider).

• Primary Insured Term Riders For an additional premium you can add term insurancecoverage on yourself.* No policy fee will be charged on therider.

• Spouse Term Riders For an additional premium you can add term insurancecoverage on your spouse.* No policy fee will be charged onthe rider.

* Term riders can only be added to whole life policies of $5,000 or more. This is only a brief description of Liberty National’s Whole Life, form 8039, OPAI form 6557, Children’s Insurance Rider, form 6349 and Children’s Insurance Rider with ADB, form 6350. Please see the policy for full details.

R-3356, Ed. 1-07 Agent’s Name

Proposed Coverage for You and Your Family Members

Amount of Coverage Premium

Primary Whole Life $ $

Primary Term Life Rider

Spouse Term Life Rider

Children's Insurance Rider

Mode Total Premium $

Page ��

R-3356 Whole Life Without Extra Benefits Brochure

SUPPLEMENTARY BENEFITS

PREMIUM WAIVER (PW) ACCIDENTAL DEATH (ADB)Description– If the primary insured is disabled after the policy anniversary following

the insured’s fifth birthday and prior to the policy anniversary followingthe insured’s 60th birthday, premiums are waived for as long as theinsured remains disabled.

– If the primary insured is disabled on or after the policy anniversary following the insured’s 60th birthday, premiums are waived until the policy anniversary following the insured’s 65th birthday, provided the insured remains disabled.• Term plans– If the primary insured is disabled, term premiums are waived.

If converted, PW may be included in the new policy only with the Company’s consent.• Definition of total disability– A disability which prevents the insured from engaging in

any occupation or doing any work for compensation or profit forwhich the insured is or becomes reasonably fitted by education,training, or experience; In South Carolina disability is also total whenduring the first year of disability it prevents the insured from engaging in the insured’s own occupation; or

– Until the insured’s 16th birthday, a disability which prevents the insured from attending school (this does not apply in South Carolina); or– Total and permanent loss of the sight of both eyes; the use

of both hands or both feet; or the use of one hand and one foot.• Disability must result from a bodily injury or disease originating after the effective date of the rider.• Disability must last 6 months before PW benefits will begin. After PW benefits begin, the Company will refund premiums paid

during this 6-month period. Premiums due or paid more than twelvemonths before we receive written notice and due proof of

disability will not be waived.• Exclusions for intentionally self-inflicted injury; any act of war, declared or undeclared; or service for the military, naval or air

forces of any country at war, declared or undeclared.Premiums See individual product pages.Issue Ages: 0-59Coverage Period: PW coverage ceases at age 65.Premium Payment Period: Payable to age 65.Availability: • See specific product brochure for availability.• Primary Insured Term Rider/Spouse Term Rider• If premium waiver is included on the base policy, then premium waiver must be included on any term rider(s). Although the PW premium is based on the age of the spouse, PW on a spouse rider covers disability of the primary insured only, not the spouse. PW may be rated or declined.

Description• An additional death benefit if the insured’s death results,directly and independently of all other causes, from an accidental bodily injury.– Death must occur within 90 days from the date of injury and prior

to the policy anniversary following the insured’s 65th birthday. – Death must be caused by injury evidenced by a visible wound or

contusion on the exterior of the body (except in case of drowning or internal injuries revealed by autopsy). (This restriction not applicable in Arkansas, South Carolina or Missouri.)

– Excluded is death resulting directly or indirectly from: • suicide or any attempt at suicide;• bodily or mental infirmity or disease of any kind or medical or

surgical treatment therefor;• committing or attempting to commit an assault or felony;• insurrection or war or any act of war whether or not the insured is

in military service. The term “war” includes declared or undeclaredwar or any conflict between the armed forces of countries; or

• operating or riding in or descending from any kind of aircraft of which the insured: (a) was a pilot, officer or member of the crew ofsuch aircraft; (b) was giving or receiving training or instruction aboard such aircraft; or (c) had any duties aboard such aircraft.

• “taking, inhaling, ingesting, injecting or being under the influence ofany drug (in Kentucky, hallucinogenic drug), chemical or narcotic(unless taken on and in accordance with the advice of a physician)or alcohol, or any combination of drugs and alcohol, (“being underthe influence” to be defined according to the laws of the state inwhich death occurred), (In Alabama, or alcohol in combinationwith any drug(s) contrary to label instructions as to its use incombination with alcohol.)

Premiums Unique Life, Whole Life, and 5 Year Renewable Term (5RT) – See premium pages. Term policies and Spouse Term Riders – $1.45 per year per $1,000 for all ages. Primary Insured Term Rider - Base plan must be a minimum of $20,000 and have ADB. ADB on the rider is calculated at the same ADB premium rate as the base policy.

Issue Ages: 1-59Coverage Period: ADB coverage ceases at age 65.Premium Payment Period: ADB premiums are payable to age 65.Maximum: Base plan face amount, subject to a $150,000 maximum.Availability:• See specific product brochure for availability.

Page ��

R-3040 Supplementary Benefits Brochure

Description• For an additional premium you can add term insurance coverage to your base policy to insure yourself or your spouse.• Only one term rider may be added if the base policy is a term plan. The term rider may be a Primary Insured Term Rider or a Spouse Term Rider.• Primary Insured Rider - the base policy and PIR cannot be the same plan of coverage.• The term rider may be an Annual Renewable Term, Level Premium Decreasing Term, Mortgage Decreasing Term, 10-year or 20-year Renewable and Convertible Term or Vitalife 10 or 20 year term.• VL 10 Term Riders are available for ages 20 - 70 in amounts of $100,000 and above on Whole Life and Unique Life plans.• VL 20 Term Riders are available for ages 20 - 60 in amounts of $100,000 and above on Whole Life and Unique Life plans.• 10 RC Term Riders are available for: Ages 20 - 60 in amounts of $15,000 - $99,999. Ages 0 - 19 in amounts of $15,000 and above• 20 RC Term Riders are available for: Ages 20 - 50 in amounts of $15,000 - $99,999. Ages 0 - 19 in amounts of $15,000 and above• You cannot add a 10RC rider to a 20RC baseplan.• You cannot add a 20RC rider to a 10RC baseplan.• ART, LPDT, & MDT term riders are available in amounts of $15,000 and above. Refer to the product brochure for ages.Death of Primary Insured• Upon the death of the primary insured, the Spouse Term rider will be exchanged to a separate policy. Benefits will be the

same as under the Spouse Term Rider. Premiums will be thesame, plus applicable policy fee.

Supplementary Coverages• If premium waiver is included on the base policy, then premium waiver must be included on any term rider(s). Although the PW premium is based on the age of the spouse, PW on a spouse rider covers disability of the primary insured only, not the spouse. PW may be rated or declined.• You cannot have ADB on the Primary Insured rider if the base plan face amount is less than $20,000.• You cannot have ADB on the Primary Insured rider if ADB is not on the base policy.

INTERIM TERM RIDER

Description• Term Insurance on each covered person listed on the A-250 / A-251 application.• Provides coverage for one month.• Available on all A-250/A-251 life plans except SelectLife 20 and Modified Life. Not available on any payroll deduction case including LNL employees on weekly deduction.• Cannot be added to a backdated policy• Available for face amounts up to $50,000• No benefits are payable under the rider if benefits are payable under the policy.

DescriptionTerm insurance on the life of each child of the primary insured.We will not pay a benefit if a child is less than 15 days old at death. To be covered a child must:• be the child, the stepchild, or the legally adopted child of the insured.• be named in the application; be born and survive to age 15 days; or be legally adopted by the insured after the date of the application.• be under age 19 last birthday on the effective date of the rider or on the date of legal adoption or the date of any supplemental application with respect to a stepchild.Premium – per $1,000(All Issue Ages)

Without ADB With ADBAnnual Premium $6.00 $9.00Issue Amounts: $5,000, $10,000, $15,000, $20,000 and $25,000The CIR coverage cannot exceed the primary insured’s coverage(base policy plus rider).Issue Ages: 16-59 (age of primary insured)Coverage Period• To primary insured’s 65th birthday (expiry date).• Coverage on an individual child will cease on the earlier of the anniversary following the child’s 25th birthday or the expiry date.Premium Payment Period• To primary insured’s 65th birthday (expiry date).• Upon the death of the insured, future premiums will be waived to the expiry date of the rider.

AvailabilityTo determine whether the CIR is available on a particular productrefer to the product brochure.Conversion Provision• Convertible prior to the child’s 25th birthday and before the expiry date of the CIR.• The coverage on each child may be converted to a new policy without evidence of insurability.• The new policy may be any permanent plan of level premium life insurance then offered by the Company.• The new policy will be issued at the child's attained age.• If the conversion request is received on any date after the CIR has been in force five years, the amount of the new policy may be up to five times the amount provided on the insured child by the CIR, but may not exceed $50,000. Otherwise the amount of the new policy is limited to the amount provided by the CIR.Special Features• The premium is not changed by the addition or deletion of an insured child.• If the rider contains ADB, the ADB may be carried over to the converted policy only with our consent.• The converted policy includes at no cost an option to purchase additional insurance with two option dates. They may be any two

of the following:– the attainment of ages 28 and 31.– the marriage of the insured.– the live birth of a child born to the insured.– the legal adoption of a child by the insured.

PRIMARY INSURED TERM RIDER/SPOUSE TERM RIDER

CHILDREN’S INSURANCE RIDER

R-3040, Ed. 6-07

Page ��

R-3040 Supplementary Benefits Brochure

Page ��

A-250 Primary Insurance Application

John A. Doe

Robert Thomas

2 15 73 35 Ohio 6 01 230

98765432 OH 1 2 3 4 5 6 7 8 9 John's Cafe & Grill Owner

Columbus Ohio 43215

Jane B. Doe Wife

Sarah A. Doe Mother

25,000

36.73

36.73Columbus Ohio March 16 08

Page ��

A-250 Primary Insurance Application

John A. Doe

70168OhioRobert Thomas T H O M A

3 16 08

John A. Doe 3 16 08

614-555-1001

john jcgmail.com

Robert Thomas

SAMPLE

Page ��

A-251 Supplemental Application

SAMPLE

Page �0

A-251 Supplemental Application


• The average cost of an adult funeral, including casket is about $6,500, according to a 2004 survey by the National Funeral Directors Association. This includes an outer burial container, but does not include cemetery costs.

• Social Security is just not enough.

- No income is provided to a surviving spouse until

retirement, unless there are dependent children

under age 16.

- Even then, only a fraction of a deceased spouse’s

income is provided.

• Most families have little or no savings to cover final

expenses or provide a continuing income.

With Liberty National’s Modified Life plan, coverage may be

available to you even if you have health problems.

Have you ever thought about the expenses

your family will incur after your death?

Modified Life Insurance PolicyHEALTH PROBLEMS DON’T HAVE TO MEAN INSURANCE PROBLEMS.

HERE ARE SOME FACTS THAT YOU MIGHT WANT TO CONSIDER:

Modified LifeModified Lifefrom Liberty National

LNL0637 0108

Page �1

R-2468 Modified Life (ALX) Brochure

This is only a brief description of Liberty National’s Modified Life policy, form ALX. Full details, including exceptions for payment of accidental death benefits, are in the policy.

You Get:Choice of amounts: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

$1,000* $10,0002,500 15,0005,000

During the first three years:• The natural death benefit equals the . . . . . . . . . . .

premiums you have paid plus 10% per year.• If death is by accident, the benefit equals . . . . . .

the face amount.

Beginning the fourth policy year:• The death benefit for natural. . . . . . . . . . . . . . . . . . .

death or accidental death is equal to the face amount.

Limited premium payment period . . . . . . . . . . . . . . . . .

Guaranteed Premiums . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Non-Cancellable Protection . . . . . . . . . . . . . . . . . . . . . . . .

Guaranteed Policy Values . . . . . . . . . . . . . . . . . . . . . . . . . .

Easy Enrollment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Personal Service . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

The Benefit to You Is:

Your family will have cash available to help offset the cost of final expenses and to providefor the necessities of life.

Your family receives a death benefit even if you die early.

Your family receives the full death benefit.

Your family receives the full death benefit.

You pay only 20 years but your protection lasts a lifetime. **

You will never be charged a higher rate for this insurance.

You will have coverage as long as you pay premiums or for life when your policy becomes paid-up.

Your policy will build cash values which can be used in case of an emergency.

You do not have to have a physical exam to qualify for this coverage.

Your hometown agent will be there when you need service.

* The $1,000 amount is available only from ages 50 through 80.** If purchased after age 70 you only pay premiums to age 90.

Agent’s Name __________________________________________________

Premium $ __________________________ Mode _________________

Protect Your Family TodayModified LifeModified Life

from Liberty National

WI T H LI B E RT Y NAT I O NA L’S MO D I F I E D LI F E P L A N

R-2468, Ed. 10-06

Page ��

R-2468 Modified Life (ALX) Brochure

�-33

IV. Field Underwriting

Automatic DeclineApplicants with the following conditions will be automatically declined.

Terminal Illness

Lou Gehrig’s Disease or Amyotrophic Lateral Sclerosis (ALS)

HIV / AIDS or Positive Test to Antibodies for AIDS virus

Alzheimer’s Disease or Senile Dementia

Confined to a hospital or nursing facility

Use of illegal drugs within a two-year period

Confined to jail

Other ConditionsDo not submit an application for standard issue for the following conditions.

An ALX will be considered if the underwriters determine the proposed insured is eligible for coverage.

Heart / Circulatory / Blood Disorders:Congestive Heart Failure within 1 year

Defibrillator Implant

Angioplasty, Coronary Bypass, Heart Attack or Diagnosis of Angina within last 6 months

Coronary Artery Disease and Heart Valve Replacement

More than 2 Heart Attacks

Heart Attack, Bypass or Stroke and still smokes

More than 1 stroke

Sickle Cell Anemia

Diabetes and Related Disorders:Diabetes and Kidney Disease (�pp may be submitted if the proposed insured has diabetes without a

related condition)

Insulin-dependent Diabetes and No Doctor consulted within last two years

Cancers:Cancer, other than skin, last treatment within 12 months

Metastatic Cancer (spread to other sites) within 10 years

Hodgkin’s Disease, last treatment within 2 years

Leukemia Diagnosed prior to age 50

Page ��

Agent's Instruction Guide Form 59, Page A-33 for ALX

Page ��

CANCERThe Word No One Wants to Hear.

WITH CANCER CARE YOU GET:BENEFIT FOR: BEFORE YOUR 65TH BIRTHDAY WE PAY:First Occurrence $1,500 upon the first diagnosis of cancer in addition to all other benefits. For this benefit

only, skin cancer (except for melanoma) is not covered.

Income Replacement $100 per week up to a lifetime maximum of 26 weeks if you are disabled due to cancer. A 14-day elimination period applies. All insured persons who are gainfully employed are covered. This benefit ceases at age 65.

Hospital Confinement $150 per day for the first 90 days of hospital confinement and$400 per day thereafter for continuous confinement. No maximum number of days.

Radiation and Chemotherapy Up to $500 per day in or out of the hospital. No maximum lifetime limit.

Prescription Chemotherapy Drugs Up to $8,000 per year for cancer-fighting chemotherapy drugs prescribed to be taken at home. No maximum lifetime limit.

Blood Up to $500 per day with no maximum lifetime limit. Cross matching, laboratory tests, supplies or blood subsequently replaced by a donor are not covered.

Attending Physician Up to $25 per day for the attending physician (other than the operating surgeon) in or out of the hospital. No maximum number of days.

Private Duty Nursing Up to $50 per day for care in or out of a hospital by a graduate nurse or licensed practical nurse. No maximum number of days.

Surgery Up to $1,000 per operation for the surgeon’s fee as defined in the surgical schedule of the policy. No lifetime limit.

Anesthesia Up to 25% of the amount payable for each surgery. No lifetime limit.

Outpatient Surgery Up to $150 per day for surgical facilities. No maximum number of days.

Transportation All charges for commercial transportation for you and one attendant to a hospital or clinic. Or 15¢ per mile if you use your car and the hospital or clinic is more than 100 miles (one way) away. Maximum of six trips in a twelve-month period. (No maximum trips in North Carolina.)

Hospice Up to $50 per day for care provided by a hospice organization. No maximum number of days.

Prosthesis Up to $500 for each prosthesis. Lifetime limit of two prostheses.

Government Hospital Confinement $1,500 First Occurrence Benefit upon the first diagnosis of cancer (if not already paid).$150 per day for the first 90 days of hospital confinement and$400 per day thereafter for continuous confinement in lieu of all other hospital benefits.

New or Experimental Treatment Charges for new or experimental treatment for cancer based on the regular schedule of benefits as stated in the policy.

On your 65th birthday the above benefits will ceaseSee other side for benefits at age 65

LNL0402 0408

Page ��

R-2738-5 Cancer Care Brochure

AND THESE EXTRA FEATURES:

• Benefits will be paid to you unless you direct otherwise in writing. Under some governmental plans (such as Medicaid), benefits have already been assigned by the insured.

• No overall lifetime maximum benefit.

• Eligible children are covered until they reach a specified age. (See policy for details)

• Lifetime protection for adult insureds.

• Pays in addition to any other insurance you may have.

• Guaranteed renewable for life.

• Cannot be cancelled as long as you pay premiums.

• Rates cannot be increased on an individual basis.

• A choice of family, single parent, or individual coverage.

This is only a brief description of Liberty National’s Cancer Care policy, forms 5KJ, 5KK and 5KL. Full details, including exceptions for payments of benefits, are in the policy.

HERE IS WHAT WE DON’T COVER:

• If cancer is manifested during the 30-day waiting period, only expenses incurred after two years (one year in North Carolina and Virginia) from the effective date will be covered. No benefits are payable to anyone who has cancer manifested before the effective date of the policy.

• First Occurrence Benefit, if cancer is manifested during the 30-day waiting period.

•Treatments for any disease, sickness, or incapacity other than cancer.

• Treatments or services for which no charge is normally made in the absence of insurance.

• Treatment under any government plan except through U.S. government hospitals.

• Treatment or services outside the continental United States.

• Treatments which are not accepted or approved by the American Medical Association as an effective treatment for cancer.

• Drugs or substances not approved by the Food and Drug Administration.

• Attending Physician Benefit when charges are covered under surgery, radiation, chemotherapy, or office visit for chemo and/or radiation.

THIS IS NOT A MEDICARE SUPPLEMENT.THIS IS A CANCER ONLY POLICY.

2001 Third Avenue SouthBirmingham, Alabama 35233

Cancer Can Cost A Lot.Our Cancer Policy Doesn’t.

R-2738-5, Ed. 8-07

BEGINNING ON YOUR 65TH BIRTHDAY, CANCER CARE PROVIDES:BENEFIT FOR: BEGINNING ON YOUR 65TH BIRTHDAY WE PAY:First Occurrence $1,500 first occurrence benefit upon the first diagnosis of cancer (if not already paid).

For this benefit only, skin cancer (except melanoma) is not covered.

Hospital Confinement(Including Government Hospitals)

$300 per day for each day of confinement for cancer.No maximum number of days

Agent’s Name

Plan: 5KJ Individual Coverage5KK Family Coverage5KL Single Parent Coverage

Premium $

Mode

Page ��

R-2738-5 Cancer Care Brochure

CANCERThe Word No One Wants to Hear.

WITH CANCER CARE PLUS YOU GET:BENEFIT FOR: BEFORE YOUR 65TH BIRTHDAY WE PAY:First Occurrence $3,500 upon the first diagnosis of cancer in addition to all other benefits. For this benefit

only, skin cancer (except for melanoma) is not covered.

Income Replacement $100 per week up to a lifetime maximum of 26 weeks if you are disabled due to cancer. A 14-day elimination period applies. All insured persons who are gainfully employed are covered. This benefit ceases at age 65.

Hospital Confinement $250 per day for the first 90 days of hospital confinement and$600 per day thereafter for continuous confinement. No maximum number of days.

Radiation and Chemotherapy Up to $500 per day in or out of the hospital. No maximum lifetime limit.

Prescription Chemotherapy Drugs Up to $10,000 per year for cancer-fighting chemotherapy drugs prescribed to be taken at home. No maximum lifetime limit.

Blood Up to $500 per day for blood with no maximum lifetime limit when a transfusion is received. Cross matching, laboratory tests, supplies or blood subsequently replaced by a donor are not covered.

Attending Physician Up to $35 per day for the attending physician (other than the operating surgeon) in or out of the hospital. No maximum number of days.

Private Duty Nursing Up to $75 per day for care in or out of a hospital by a graduate nurse or licensed practical nurse. No maximum number of days.

Surgery Up to $2,000 per operation for the surgeon’s fee as defined in the surgical schedule of the policy. No lifetime limit.

Anesthesia Up to 25% of the amount payable for each surgery. No lifetime limit.

Outpatient Surgery Up to $250 per day for surgical facilities. No maximum number of days.

Transportation All charges for commercial transportation for you and one attendant to a hospital or clinic. Or 25¢ per mile if you use your car and the hospital or clinic is more than 100 miles (one way) away. Maximum of six trips in a twelve-month period.(No maximum trips in North Carolina)

Hospice Up to $75 per day for care provided by a hospice organization. No maximum number of days.

Prosthesis Up to $750 for each prosthesis. Lifetime limit of two prostheses.

Government Hospital Confinement $3,500 First Occurrence Benefit upon the first diagnosis of cancer (if not already paid).$250 per day for the first 90 days of hospital confinement and$600 per day thereafter for continuous confinement in lieu of all other hospital benefits.

Dread Disease Benefit $250 per day for the first 90 days of hospital confinement and$600 per day thereafter for continuous hospital confinement in lieu of all other benefits for: cystic fibrosis, diphtheria, encephalitis, Lou Gehrig’s Disease, meningitis, multiple sclerosis, muscular dystrophy, osteomyelitis, poliomyelitis, rabies, scarlet fever, sickle-cell anemia, smallpox, tetanus, tuberculosis, tularemia and typhoid fever.

New or Experimental Treatment Charges for new or experimental treatment for cancer based on the regular schedule of benefits as stated in the policy.

On your 65th birthday the above benefits will ceaseSee other side for benefits at age 65

LNL0403 0108

Page ��

R-2738 Cancer Care Plus Brochure

AND THESE EXTRA FEATURES:

• Benefits will be paid to you unless you direct otherwise in writing. Under some governmental plans (such as Medicaid), benefits have already been assigned by the insured.

• No overall lifetime maximum benefit.

• Eligible children are covered until they reach a specified age. (See policy for details)

• Lifetime protection for adult insureds.

• Pays in addition to any other insurance you may have.

• Guaranteed renewable for life.

• Cannot be cancelled as long as you pay premiums.

• Rates cannot be increased on an individual basis.

• A choice of family, single parent, or individual coverage.

• In Tennessee only, if you do not have other insurance, we will pay a $25 benefit for charges received from a mammography screening performed for diagnostic purposes on referral by a physician. This benefit is not payable on or after your 65th birthday.

This is only a brief description of Liberty National’s Cancer policy forms 5KG, 5KH and 5KI. Full details, including exceptions for payments of benefits, are in the policy.

HERE IS WHAT WE DON’T COVER:

• If cancer or a specified dread disease is manifested during the 30-day waiting period, only expenses incurred after two years (one year in North Carolina and Virginia) from the effective date will be covered. No benefits are payable to anyone who has cancer manifested before the effective date of the policy.

• First Occurrence Benefit, if cancer is manifested during the waiting period.

• Treatments for any disease, sickness, or incapacity other than cancer or one of the specified dread diseases.

• Treatments or services for which no charge is normally made in the absence of insurance.

• Treatment under any government plan except through U.S. government hospitals.

• Treatment or services outside the continental United States.

• Treatments which are not accepted or approved by the American Medical Association as an effective treatment for cancer.

• Drugs or substances not approved by the Food and Drug Administration.

THIS IS NOT A MEDICARE SUPPLEMENT.THIS IS A CANCER ONLY POLICY.

BEGINNING ON YOUR 65TH BIRTHDAY, CANCER CARE PLUS PROVIDES:BENEFIT FOR: BEGINNING ON YOUR 65TH BIRTHDAY WE PAY:First Occurrence $3,500 first occurrence benefit upon the first diagnosis of cancer (if not already paid).

For this benefit only, skin cancer (except melanoma) is not covered.

Hospital Confinement(Including Government Hospitals)

$400 per day for each day of confinement for cancer or dread diseases. No maximum number of days.

2001 Third Avenue SouthBirmingham, Alabama 35233

Cancer Can Cost A Lot.Our Cancer Policy Doesn’t.

R-2738, Ed. 5-06

Agent’s Name

Plan: 5KG Individual Coverage5KH Family Coverage5KI Single Parent Coverage

Premium $

Mode

Page ��

R-2738 Cancer Care Plus Brochure

CONSIDER THESE FACTSfrom the American Cancer Society’s Cancer Facts & Figures, 2006.

The facts from the American Cancer Society are plain. Cancer can wipe you out financially. Some of the costs are covered by insurance.

Costs Usually Paid By Major Medical Insurance:• Hospital room and board charges

• Drug and medicine costs

• Surgeon and other physician fees

DOES YOUR MEDICAL INSURANCE COVER ALL OF THESE ITEMS?

CancerThe word no one wants to hear.

• 1 in 2 American men and 1 in 3 women will be diagnosed with cancer during their lifetime.

• Cancer is the 2nd leading cause of death in the United States.

• Cancer is the leading cause of death by disease in children between ages 1 - 14.

CANCER COSTS Can Be a Lot.

Page ��

R-3551 Cancer Interview Guide

R-3551, Ed. 11-07

2001 Third Avenue South • Birmingham, AL 35233

Consider these Indirect Costs.

There are also indirect costs which you must pay. These costs can be just as devastating when you don’t have the money to pay them.

• Deductibles and coinsurance What are your deductible and coinsurance amounts?

• Long convalescence Have you ever known anyone who was sick for a long time and the family had to take off from work to be with them or hire someone to help take care of them?

How expensive would this be?

• Loss of incomeIf your child or spouse were sick and in the hospital receiving treatment for cancer, where would you want to be?

Would you have to take time off from workto be there?

How would taking off work affect your income?

• Transportation costsIf you could get better treatment, possibly even a cure, in another part of the country, how would you get there?

How expensive would this be?

• Lodging and food costs If you were to accompany a family member who

had to go out of town to receive treatment, where would you stay? Where would you eat?

How expensive would this be? • There may be child care and

other unexpected expenses

Does your medical insurance cover all of these items?

How difficult would it be for your family to pay these costs?

Agent’s Name ________________________________________This policy has exclusions and limitations. For costs and complete details of the policy, contact Liberty National Life.

Here’s how it works.

What this does for you is provide money that can be used to pay medical expenses, or pay

But the real benefit to you is the peace of mind of knowing that if someone in your family

Don’t you think this would benefit your family?

Liberty National’s Cancer Policy Can Help.

LNL0522

Page �0

R-3551 Cancer Interview Guide

Page �1

A-372 Application for Cancer Expense Policy

FF442622

70168

301 Park Avenue

Ohio 43215

Columbus

614 555-1001

James C. Harris 444-33-4316

Sandra B. Harris 161-89-3018

02 15 78 30

06 01 80 27

21.00

FF44262221.00

Robert Thomas70168Columbus Ohio 3 March 08

Page ��

A-372 Application for Cancer Expense Policy

James C. Harris3PD

Robert Thomas

16 08 Ohio

173

Cancer Care PlusCancer Care

HICHospital Income

HACACA/ACB

HADHAE, HAF

Auto ClubCritical Illness

Cancer Care Plus

Age A SA Q MN BB/PD

0-30 $ 126 $ 66 $ 33 $ 12 $ 11

31-45 214 112 57 20 19

46-63 359 188 95 34 32

INDIVIDUAL Covers Individual Only

Plan 5KG

Age A SA Q MN BB/PD

15-30 $ 228 $ 120 $ 60 $ 22 $ 21

31-45 360 189 95 34 32

46-63 591 310 157 56 53

FAMILY Covers Insured, Spouseand Children

Plan 5KH

Age A SA Q MN BB/PD

15-30 $ 158 $ 83 $ 42 $ 15 $ 14

31-45 267 140 71 25 24

46-63 449 236 119 43 40

SINGLE PARENT Covers Insured and Children

Plan 5KI

174

Cancer Care Plus(Florida Only)

Age A SA Q MN BB/PD

0-30 $ 143 $ 75 $ 38 $ 14 $ 13

31-45 243 128 64 23 22

46-63 408 214 108 39 37


Plan 5KG

Age A SA Q MN BB/PD

15-30 $ 259 $ 136 $ 69 $ 25 $ 23

31-45 410 215 109 39 37

46-63 672 353 178 64 60

FAMILY Covers Insured, Spouse and Children

Plan 5KH

Age A SA Q MN BB/PD

15-30 $ 180 $ 95 $ 48 $ 17 $ 16

31-45 304 160 81 29 27

46-63 511 268 135 49 46


Plan 5KI

Cance

r Care

Plus

Canc

er Ca

reHI

CHo

spital

Incom

eHA

CAC

A/AC

BHA

DHA

E, HA

FAu

to Clu

bCr

itical

Illnes

s

175

Cancer Care

Age A SA Q MN BB/PD

0-30 $ 107 $ 56 $ 28 $ 10 $ 10

31-45 181 95 48 17 16

46-63 296 155 78 28 27


Plan 5KJ

Age A SA Q MN BB/PD

15-30 $ 194 $ 102 $ 51 $ 18 $ 17

31-45 305 160 81 29 27

46-63 488 256 129 46 44


Plan 5KK

Age A SA Q MN BB/PD

15-30 $ 134 $ 70 $ 36 $ 13 $ 12

31-45 226 119 60 21 20

46-63 368 193 98 35 33


Plan 5KL

Cancer Care PlusCancer Care

HICHospital Income

HACACA/ACB

HADHAE, HAF

Auto ClubCritical Illness

176

Cancer Care (Florida Only)

Age A SA Q MN BB/PD

0-30 $ 122 $ 64 $ 32 $ 12 $ 11

31-45 206 108 55 20 19

46-63 337 177 89 32 30


Plan 5KJ

Age A SA Q MN BB/PD

15-30 $ 221 $ 116 $ 59 $ 21 $ 20

31-45 347 182 92 33 31

46-63 555 291 147 53 50


Plan 5KK

Age A SA Q MN BB/PD

15-30 $ 152 $ 80 $ 40 $ 14 $ 14

31-45 257 135 68 24 23

46-63 419 220 111 40 38


Plan 5KL

Cance

r Care

Plus

Canc

er Ca

reHI

CHo

spital

Incom

eHA

CAC

A/AC

BHA

DHA

E, HA

FAu

to Clu

bCr

itical

Illnes

s

Page ��

Individual Cancer Rates from Form 61

Page ��

R-3290, Ed. 9-06 LNL0695 0308

Payroll Deduction PremiumsRefer to the Product Availability Chart on the website for approvals by stateNot for Florida, Georgia or South Carolina

1 of 2

ACCIDENT PROTECTOR PLUS

Individual – Plan HAD

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)

Semi-Monthly (24/Yr.)

Monthly (12/Yr.)

3-60 $ 2.43 $ 4.86 $ 5.25 $ 10.50

Single Parent – Plan HAE

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-64 $ 3.47 $ 6.94 $ 7.50 $ 15.00

Family – Plan HAF

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-60 $ 4.33 $ 8.66 $ 9.38 $ 18.75

GROUP DENTAL

Individual – Plan GD1

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 5.81 $ 11.62 $ 12.58 $ 25.15

Family – Plan GD2

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 12.99 $ 25.98 $ 28.15 $ 56.29

CRITICAL ILLNESS WITH CANCER COVERAGE

Individual – Plan 5MA – $ 10,000 Benefit

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.73 $ 3.46 $ 3.74 $ 7.47

36-50 4.28 8.56 9.27 18.54

51-60 7.25 14.50 15.71 31.41


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 2.47 $ 4.94 $ 5.34 $ 10.67

36-50 6.30 12.60 13.64 27.27

51-60 10.75 21.50 23.29 46.58


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 3.94 $ 7.88 $ 8.53 $ 17.06

36-50 10.33 20.66 22.37 44.73

51-60 17.75 35.50 38.46 76.91

CRITICAL ILLNESS WITHOUT CANCER COVERAGE

Individual – Plan 5MB – $ 10,000 Benefit

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 0.86 $ 1.72 $ 1.85 $ 3.69

36-50 2.21 4.42 4.77 9.54

51-60 3.72 7.44 8.06 16.11


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.16 $ 2.32 $ 2.50 $ 5.00

36-50 3.18 6.36 6.89 13.77

51-60 5.46 10.92 11.82 23.63


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.76 $ 3.52 $ 3.81 $ 7.61

36-50 5.13 10.26 11.12 22.23

51-60 8.93 17.86 19.33 38.66

HOSPITAL INCOME

Individual – Plan 5IA

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

16-30 $ 2.75 $ 5.50 $ 5.94 $ 11.88

31-40 3.24 6.48 7.02 14.04

41-50 3.49 6.98 7.56 15.12

51-60 3.99 7.98 8.64 17.28

Individual – Plan 5IB

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

16-30 $ 4.99 $ 9.98 $ 10.80 $ 21.60

31-40 5.99 11.98 12.96 25.92

41-50 6.48 12.96 14.04 28.08

51-60 7.73 15.46 16.74 33.48

Individual – Plan 5IC

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-15 $ 2.00 $ 4.00 $ 4.32 $ 8.64

Individual – Plan 5ID

0-15 $ 3.49 $ 6.98 $ 7.56 $ 15.12

Page ��

R-3290 Payroll Deduction Premiums

R-3290, Ed. 9-06 LNL0695 0308

Payroll Deduction PremiumsRefer to the Product Availability Chart on the website for approvals by stateNot for Florida, Georgia or South Carolina

2 of 2

CANCER CARE PLUS

Individual – Plan 5KG

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 2.54 $ 5.08 $ 5.50 $ 11.00

31-45 4.39 8.78 9.50 19.00

46-63 7.39 14.78 16.00 32.00

Single Parent – Plan 5KI

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.24 $ 6.48 $ 7.00 $ 14.00

31-45 5.54 11.08 12.00 24.00

46-63 9.24 18.48 20.00 40.00

Family – Plan 5KH

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 4.85 $ 9.70 $ 10.50 $ 21.00

31-45 7.39 14.78 16.00 32.00

46-63 12.24 24.48 26.50 53.00

CANCER CARE

Individual – Plan 5KJ

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 2.31 $ 4.62 $ 5.00 $ 10.00

31-45 3.70 7.40 8.00 16.00

46-63 6.24 12.48 13.50 27.00

Single Parent – Plan 5KL

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 2.77 $ 5.54 $ 6.00 $ 12.00

31-45 4.62 9.24 10.00 20.00

46-63 7.62 15.24 16.50 33.00

Family – Plan 5KK

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.93 $ 7.86 $ 8.50 $ 17.00

31-45 6.24 12.48 13.50 27.00

46-63 10.16 20.32 22.00 44.00

HOSPITAL INTENSIVE CARE

Individual 1 Unit – Plan 5JD – $ 300

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 0.93 $ 1.86 $ 2.00 $ 4.00

36-50 1.16 2.32 2.50 5.00

51-60 1.39 2.78 3.00 6.00

Single Parent 1 Unit – Plan 5JE – $ 300

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.10 $ 2.20 $ 2.38 $ 4.75

36-50 1.39 2.78 3.00 6.00

51-60 1.68 3.36 3.63 7.25

Family 1 Unit – Plan 5JF – $ 300

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.68 $ 3.36 $ 3.63 $ 7.25

36-50 2.14 4.28 4.63 9.25

51-60 2.54 5.08 5.50 11.00

Individual 2 Unit – Plan 5JG – $ 600

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 1.62 $ 3.24 $ 3.50 $ 7.00

36-50 2.08 4.16 4.50 9.00

51-60 2.54 5.08 5.50 11.00

Single Parent 2 Unit – Plan 5JH – $ 600

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.91 $ 3.82 $ 4.13 $ 8.25

36-50 2.49 4.98 5.38 10.75

51-60 3.12 6.24 6.75 13.50

Family 2 Unit – Plan 5JI – $ 600

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 2.95 $ 5.90 $ 6.38 $ 12.75

36-50 3.81 7.62 8.25 16.50

51-60 4.68 9.36 10.13 20.25

VISION

Groups of 1 - 9 Eligible Employees

PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV1 $ 2.38 $ 4.76 $ 5.14 $ 10.28

Family GV2 5.37 10.74 11.62 23.23


PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV3 $ 1.85 $ 3.70 $ 4.00 $ 7.99

Family GV4 4.17 8.34 9.03 18.06

Page ��

R-3290 Payroll Deduction Premiums

R-3290-F, Ed. 6-06 LNL0695 0308

Payroll Deduction PremiumsFlorida Only

� of 2



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

3-60 $ 2.43 $ 4.86 $ 5.25 $ 10.50

GROUP DENTAL


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 5.28 $ 10.56 $ 11.44 $ 22.87

Family – Plan GD4

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 11.82 $ 23.64 $ 25.61 $ 51.21



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.73 $ 3.46 $ 3.74 $ 7.47

36-50 4.28 8.56 9.27 18.54

51-60 7.25 14.50 15.71 31.41


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 2.47 $ 4.94 $ 5.34 $ 10.67

36-50 6.30 12.60 13.64 27.27

51-60 10.75 21.50 23.29 46.58


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 3.94 $ 7.88 $ 8.53 $ 17.06

36-50 10.33 20.66 22.37 44.73

51-60 17.75 35.50 38.46 76.91



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 0.86 $ 1.72 $ 1.85 $ 3.69

36-50 2.21 4.42 4.77 9.54

51-60 3.72 7.44 8.06 16.11


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.16 $ 2.32 $ 2.50 $ 5.00

36-50 3.18 6.36 6.89 13.77

51-60 5.46 10.92 11.82 23.63


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.76 $ 3.52 $ 3.81 $ 7.61

36-50 5.13 10.26 11.12 22.23

51-60 8.93 17.86 19.33 38.66

HOSPITAL INCOME


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

16-30 $ 4.99 $ 9.98 $ 10.80 $ 21.60

31-40 5.99 11.98 12.96 25.92

41-50 6.48 12.96 14.04 28.08

51-60 7.73 15.46 16.74 33.48


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-15 $ 3.49 $ 6.98 $ 7.56 $ 15.12

Page ��

R-3290-F Payroll Deduction Premiums for Florida

R-3290-F, Ed. 6-06 LNL0695 0308

Payroll Deduction PremiumsFlorida Only

2 of 2

CANCER CARE PLUS


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 3.00 $ 6.00 $ 6.50 $ 13.00

31-45 5.08 10.16 11.00 22.00

46-63 8.54 17.08 18.50 37.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.70 $ 7.40 $ 8.00 $ 16.00

31-45 6.24 12.48 13.50 27.00

46-63 10.62 21.24 23.00 46.00

Family – Plan 5KH

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 5.31 $ 10.62 $ 11.50 $ 23.00

31-45 8.54 17.08 18.50 37.00

46-63 13.85 27.70 30.00 60.00

CANCER CARE


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 2.54 $ 5.08 $ 5.50 $ 11.00

31-45 4.39 8.78 9.50 19.00

46-63 6.93 13.86 15.00 30.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.24 $ 6.48 $ 7.00 $ 14.00

31-45 5.31 10.62 11.50 23.00

46-63 8.77 17.54 19.00 38.00

Family – Plan 5KK

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 4.62 $ 9.24 $ 10.00 $ 20.00

31-45 7.16 14.32 15.50 31.00

46-63 11.54 23.08 25.00 50.00



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 0.93 $ 1.86 $ 2.00 $ 4.00

36-50 1.16 2.32 2.50 5.00

51-60 1.39 2.78 3.00 6.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.10 $ 2.20 $ 2.38 $ 4.75

36-50 1.39 2.78 3.00 6.00

51-60 1.68 3.36 3.63 7.25


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.68 $ 3.36 $ 3.63 $ 7.25

36-50 2.14 4.28 4.63 9.25

51-60 2.54 5.08 5.50 11.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 1.62 $ 3.24 $ 3.50 $ 7.00

36-50 2.08 4.16 4.50 9.00

51-60 2.54 5.08 5.50 11.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.91 $ 3.82 $ 4.13 $ 8.25

36-50 2.49 4.98 5.38 10.75

51-60 3.12 6.24 6.75 13.50


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 2.95 $ 5.90 $ 6.38 $ 12.75

36-50 3.81 7.62 8.25 16.50

51-60 4.68 9.36 10.13 20.25

VISION


PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV1 $ 2.38 $ 4.76 $ 5.14 $ 10.28

Family GV2 5.37 10.74 11.62 23.23


PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV3 $ 1.85 $ 3.70 $ 4.00 $ 7.99

Family GV4 4.17 8.34 9.03 18.06

Page ��

R-3290-F Payroll Deduction Premiums for Florida

R-3290-G, Ed. 6-06 LNL0695 0308

Payroll Deduction PremiumsGeorgia Only

� of 2



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

3-60 $ 2.43 $ 4.86 $ 5.25 $ 10.50


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-60 $ 3.47 $ 6.94 $ 7.50 $ 15.00

Family – Plan HAF

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-60 $ 4.33 $ 8.66 $ 9.38 $ 18.75

GROUP DENTAL


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 5.81 $ 11.62 $ 12.58 $ 25.15

Family – Plan GD2

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 12.99 $ 25.98 $ 28.15 $ 56.29


Individual – Plan 5MC – $ 10,000 Benefit

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.83 $ 3.66 $ 3.96 $ 7.92

36-50 4.62 9.24 9.99 19.98

51-60 7.86 15.72 17.01 34.02


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 2.62 $ 5.24 $ 5.67 $ 11.34

36-50 6.80 13.60 14.72 29.43

51-60 11.66 23.32 25.25 50.49


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 4.20 $ 8.40 $ 9.09 $ 18.18

36-50 11.16 22.32 24.17 48.33

51-60 19.26 38.52 41.72 83.43


Individual – Plan 5MD – $ 10,000 Benefit

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 0.96 $ 1.92 $ 2.07 $ 4.14

36-50 2.58 5.16 5.58 11.16

51-60 4.41 8.82 9.54 19.08


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.31 $ 2.62 $ 2.84 $ 5.67

36-50 3.74 7.48 8.10 16.20

51-60 6.48 12.96 14.04 28.08


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 2.02 $ 4.04 $ 4.37 $ 8.73

36-50 6.07 12.14 13.14 26.28

51-60 10.64 21.28 23.04 46.08

HOSPITAL INCOME


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

16-30 $ 2.75 $ 5.50 $ 5.94 $ 11.88

31-40 3.24 6.48 7.02 14.04

41-50 3.49 6.98 7.56 15.12

51-60 3.99 7.98 8.64 17.28


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

16-30 $ 4.99 $ 9.98 $ 10.80 $ 21.60

31-40 5.99 11.98 12.96 25.92

41-50 6.48 12.96 14.04 28.08

51-60 7.73 15.46 16.74 33.48

Individual – Plan 5IC

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-15 $ 2.00 $ 4.00 $ 4.32 $ 8.64


0-15 $ 3.49 $ 6.98 $ 7.56 $ 15.12

Page ��

R-3290-G Payroll Deduction Premiums for Georgia

R-3290-G, Ed. 6-06 LNL0695 0308

Payroll Deduction PremiumsGeorgia Only

2 of 2

CANCER CARE PLUS


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 2.54 $ 5.08 $ 5.50 $ 11.00

31-45 4.39 8.78 9.50 19.00

46-63 7.39 14.78 16.00 32.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.24 $ 6.48 $ 7.00 $ 14.00

31-45 5.54 11.08 12.00 24.00

46-63 9.24 18.48 20.00 40.00

Family – Plan 5KH

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 4.85 $ 9.70 $ 10.50 $ 21.00

31-45 7.39 14.78 16.00 32.00

46-63 12.24 24.48 26.50 53.00

CANCER CARE


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 2.31 $ 4.62 $ 5.00 $ 10.00

31-45 3.70 7.40 8.00 16.00

46-63 6.24 12.48 13.50 27.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 2.77 $ 5.54 $ 6.00 $ 12.00

31-45 4.62 9.24 10.00 20.00

46-63 7.62 15.24 16.50 33.00

Family – Plan 5KK

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.93 $ 7.86 $ 8.50 $ 17.00

31-45 6.24 12.48 13.50 27.00

46-63 10.16 20.32 22.00 44.00



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 0.93 $ 1.86 $ 2.00 $ 4.00

36-50 1.16 2.32 2.50 5.00

51-60 1.39 2.78 3.00 6.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.10 $ 2.20 $ 2.38 $ 4.75

36-50 1.39 2.78 3.00 6.00

51-60 1.68 3.36 3.63 7.25


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.68 $ 3.36 $ 3.63 $ 7.25

36-50 2.14 4.28 4.63 9.25

51-60 2.54 5.08 5.50 11.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 1.62 $ 3.24 $ 3.50 $ 7.00

36-50 2.08 4.16 4.50 9.00

51-60 2.54 5.08 5.50 11.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.91 $ 3.82 $ 4.13 $ 8.25

36-50 2.49 4.98 5.38 10.75

51-60 3.12 6.24 6.75 13.50


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 2.95 $ 5.90 $ 6.38 $ 12.75

36-50 3.81 7.62 8.25 16.50

51-60 4.68 9.36 10.13 20.25

VISION


PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV1 $ 2.38 $ 4.76 $ 5.14 $ 10.28

Family GV2 5.37 10.74 11.62 23.23


PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV3 $ 1.85 $ 3.70 $ 4.00 $ 7.99

Family GV4 4.17 8.34 9.03 18.06

Page �0

R-3290-G Payroll Deduction Premiums for Georgia

R-3290-S, Ed. 3-07 LNL0695 0308

Payroll Deduction PremiumsSouth Carolina Only

� of 2



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

3-60 $ 2.43 $ 4.86 $ 5.25 $ 10.50


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-60 $ 3.47 $ 6.94 $ 7.50 $ 15.00

Family – Plan HAF

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-60 $ 4.33 $ 8.66 $ 9.38 $ 18.75

GROUP DENTAL


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 5.81 $ 11.62 $ 12.58 $ 25.15

Family – Plan GD2

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-64 $ 12.99 $ 25.98 $ 28.15 $ 56.29



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.73 $ 3.46 $ 3.74 $ 7.47

36-50 4.28 8.56 9.27 18.54

51-60 7.25 14.50 15.71 31.41


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 2.47 $ 4.94 $ 5.34 $ 10.67

36-50 6.30 12.60 13.64 27.27

51-60 10.75 21.50 23.29 46.58


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 3.94 $ 7.88 $ 8.53 $ 17.06

36-50 10.33 20.66 22.37 44.73

51-60 17.75 35.50 38.46 76.91



AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 0.86 $ 1.72 $ 1.85 $ 3.69

36-50 2.21 4.42 4.77 9.54

51-60 3.72 7.44 8.06 16.11


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.16 $ 2.32 $ 2.50 $ 5.00

36-50 3.18 6.36 6.89 13.77

51-60 5.46 10.92 11.82 23.63


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

18-35 $ 1.76 $ 3.52 $ 3.81 $ 7.61

36-50 5.13 10.26 11.12 22.23

51-60 8.93 17.86 19.33 38.66

HOSPITAL INCOME


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

16-30 $ 2.75 $ 5.50 $ 5.94 $ 11.88

31-40 3.24 6.48 7.02 14.04

41-50 3.49 6.98 7.56 15.12

51-60 3.99 7.98 8.64 17.28


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

16-30 $ 4.99 $ 9.98 $ 10.80 $ 21.60

31-40 5.99 11.98 12.96 25.92

41-50 6.48 12.96 14.04 28.08

51-60 7.73 15.46 16.74 33.48

Page �1

R-3290-S Payroll Deduction Premiums for South Carolina

R-3290-S, Ed. 3-07 LNL0695 0308

Payroll Deduction PremiumsSouth Carolina Only

2 of 2

CANCER CARE PLUS


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 2.54 $ 5.08 $ 5.50 $ 11.00

31-45 4.39 8.78 9.50 19.00

46-63 7.39 14.78 16.00 32.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.24 $ 6.48 $ 7.00 $ 14.00

31-45 5.54 11.08 12.00 24.00

46-63 9.24 18.48 20.00 40.00

Family – Plan 5KH

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 4.85 $ 9.70 $ 10.50 $ 21.00

31-45 7.39 14.78 16.00 32.00

46-63 12.24 24.48 26.50 53.00

CANCER CARE


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-30 $ 2.31 $ 4.62 $ 5.00 $ 10.00

31-45 3.70 7.40 8.00 16.00

46-63 6.24 12.48 13.50 27.00


AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 2.77 $ 5.54 $ 6.00 $ 12.00

31-45 4.62 9.24 10.00 20.00

46-63 7.62 15.24 16.50 33.00

Family – Plan 5KK

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-30 $ 3.93 $ 7.86 $ 8.50 $ 17.00

31-45 6.24 12.48 13.50 27.00

46-63 10.16 20.32 22.00 44.00


Individual 1 Unit – Plan 5JJ – $ 250

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 0.93 $ 1.86 $ 2.00 $ 4.00

36-50 1.16 2.32 2.50 5.00

51-60 1.39 2.78 3.00 6.00

Single Parent 1 Unit – Plan 5JK – $ 250

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.10 $ 2.20 $ 2.38 $ 4.75

36-50 1.39 2.78 3.00 6.00

51-60 1.68 3.36 3.63 7.25

Family 1 Unit – Plan 5JL – $ 250

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.68 $ 3.36 $ 3.63 $ 7.25

36-50 2.14 4.28 4.63 9.25

51-60 2.54 5.08 5.50 11.00

Individual 2 Unit – Plan 5JM – $ 500

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

0-35 $ 1.62 $ 3.24 $ 3.50 $ 7.00

36-50 2.08 4.16 4.50 9.00

51-60 2.54 5.08 5.50 11.00

Single Parent 2 Unit – Plan 5JN – $ 500

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 1.91 $ 3.82 $ 4.13 $ 8.25

36-50 2.49 4.98 5.38 10.75

51-60 3.12 6.24 6.75 13.50

Family 2 Unit – Plan 5JO – $ 500

AgeWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

15-35 $ 2.95 $ 5.90 $ 6.38 $ 12.75

36-50 3.81 7.62 8.25 16.50

51-60 4.68 9.36 10.13 20.25

VISION


PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV1 $ 2.38 $ 4.76 $ 5.14 $ 10.28

Family GV2 5.37 10.74 11.62 23.23


PlanWeekly (52/Yr.)

Bi-Weekly (26/Yr.)


Monthly (12/Yr.)

Individual GV3 $ 1.85 $ 3.70 $ 4.00 $ 7.99

Family GV4 4.17 8.34 9.03 18.06

Page ��

R-3290-S Payroll Deduction Premiums for South Carolina

Did you know that...... the cost for intensive care treatment often needed

during a major illness or accident is considerably higher than

the normal daily hospital room charge? That’s why Liberty

National developed specific coverage for intensive care.

We can relieve some of the pressure of being in intensive care


Liberty National’s Intensive Care Insurance Policy

Page ��

R-3118 Hospital Intensive Care Brochure

Benefit For: We Pay:Daily Intensive Care $600 per day up to 30 days for each

ICU confinement (other than automobile and travel accidents) beginning the first day for accidental bodily injury and the second day for sickness.

Automobile and $1,200* per day up to 30 days Travel Accident for each ICU confinement for

treatment of an accidental bodily injury resulting from an automobile or travel accident. This benefit pays for confinements which begin within forty-eight (48) hours of the accident.

Regular Hospital $100 per day for confinement in a Room regular hospital room up to the same

number of covered days of ICUconfinement. For example, if you are in ICU for two (2) covered days, you would receive $100 per day for up to two (2) days of regular room confinement occurring during the same hospitalization.

Blood $100 for whole blood or blood components administered during a hospital stay involving an ICUconfinement

Ambulance $100 for a professional ambulance or air ambulance when a covered insured is transported to the hospital for an ICU confinement.

*$600 Daily Intensive Care Benefit Plus $600 Automobile and Travel Accident Benefit.

Note: Benefit amounts shown above are based on two (2) units of coverage. For one (1) unit of coverage, the benefits will be one-half (1/2) the amount shown.

Plus You Get These Extra Features:

• Benefits will be paid to you unless you direct otherwise in writing. Under some governmental plans (such as Medicaid), some benefits have already been assigned by law.

• There is no maximum limit for total benefits paid on this policy.

• Insured children remain covered until the earliest of: the child’s marriage, age 21, or when they are no longer dependent on you if not living with you. Coverage on mentally or physically incapacitated children may continue even longer. Coverage on full-time students may continue to age 25.

• Your coverage is guaranteed renewable until you are 65 or eligible for Medicare due to age, as long as you pay premiums.

• This plan is available to you for coverage of a family, single parent and children, or individual.

• Benefits are paid when you are confined to a U.S. Government hospital.

Here Is What We Don’t Cover

No benefits will be paid for medical treatment:• Caused by mental or emotional disorders.• Resulting from war or act of war.• Involving pre-existing conditions for two (2) years after the

effective date of the policy.• For which no charge is normally made in the absence of

insurance, except for U.S. Government hospitals, Medicare, Medicaid and Champus.• For the first day of confinement in an ICU due to sickness.• Occurring or beginning within the first 30 days of life for

children born within ten months of the effective date of the policy.

This is only a brief description of Liberty National’s Hospital Intensive Care Policy, forms 5JD, 5JE, and 5JF. Full details, including exceptions and conditions, are in the policy.

Liberty National’s Hospital Intensive Care Insurance Policy

R-3118, Ed. 6-00

Agent’s Name ___________________________________

LNL0628

Page ��

R-3118 Hospital Intensive Care Brochure

Page ��

A-372 Application (see page 51)

Refer to A-372 Application on page 51.

Page ��

There’s no better way than life insurance to protect your most valuable asset —

your earning potential. Consider this: A30-year old earning $30,000 a year will earn

over one million dollars by age 65. And that’s without a raise! When you die, life

insurance can help make sure that your family will have money —

• TO PAY FINAL EXPENSES

• TO PAY OFF DEBTS

• TO PAY OFF THE MORTGAGE OR MAKE RENT PAYMENTS

• TO PAY FOR EDUCATIONAL EXPENSES FOR YOUR CHILDREN

• TO PROVIDE A MONTHLY INCOME FOR THE FAMILY

Liberty National’s Annual Renewable Term is the affordable solution.

ANNUAL RENEWABLE TERMFROM LIBERTY NATIONAL

A Great Way to Protect Your Income and Your Family’s Financial Future

Page ��

R-3547 Annual Renewable Term to Age 100 (ART) Brochure

You Get: The Benefit To You Is:Choice of Amounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . This plan is available for ages 0 through 75 in amounts of $20,000 and above.

Guaranteed Death Benefit . . . . . . . . . . . . . . . . . . . . . . . The face amount of your insurance will never decrease as you become older.

Term Premium . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Current premiums are guaranteed for one year. Thereafter, premiums will increase according to the insured’s age but cannot exceed the policy’s guaranteed maximum premiums.

Guaranteed Renewablility . . . . . . . . . . . . . . . . . . . . . . . The ART is guaranteed renewable to age 100.

Convenient Automatic Pay Plan . . . . . . . . . . . . . . . . . Premiums may be deducted automatically from yourchecking account.

Lump Sum or Monthly Income Benefits . . . . . . . . Benefits may be paid in a lump sum to your beneficiary or may be paid in a monthly income.

Conversion Privilege. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ART is convertible to a permanent plan of insurance without proof of insurability anytime prior to the insured’s 80th birthday,

Plus You Can Add These Extra Benefits:Accidental Death Benefit (ADB) . . . . . . . . . . . . . . . . . . . . For an additional premium, you can add Accidental Death Benefit for ages 1-59. If you add Accidental Death Benefit, the total death benefit will be twice the face amount in the event of accidental death. ADB coverage terminates at age 65. (maximum of $150,000)

Premium Waiver (PW) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . For an additional premium you can add a benefit which provides . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . for waiver of premiums in the event the insured becomes totally . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . disabled. Disability must occur after age 5, but before age 65.

If disabled after age 60, premiums are waived until age 65 if disability continues.

Children’s Insurance Rider (CIR) . . . . . . . . . . . . . . . . . . . . For an additional premium, term insurance with or withoutin Amounts of $5,000, $10,000, $15,000 ADB can be added on the life of each child who is under

$20,000 or $25,000 age 19. Coverage on children begins at age 15 days. The CIR coverage cannot exceed the primary insured’s coverage (base policy plus rider).

Primary Insured or Spouse Term Rider. . . . . . . . . . . . . You can add coverage on yourself or your spouse with . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . a term rider.

Combines the Low Cost of Term Insurance With Protection To Age 100

LIBERTY NATIONAL’S ANNUAL RENEWABLE TERM TO AGE 100

This is only a brief description of Liberty National’s Annual Renewable Term, form 9007, Accidental Death Benefit, form 6566 or 6567, Premium Waiver form 5050, Children’s Insurance Rider, form 6349 and Children’s Insurance Rider with ADB, form 6350. Please see the policy for full details.

R-3547, Ed. 2-07

Name ______________________________________________________________________

Sex M F Tobacco User yes no

Face Amount $ _____________________

PW ADB (maximum of $150,000)

CIR $5,000 $10,000 $15,000 $20,000 $25,000

CIR with ADB $5,000 $10,000 $15,000 $20,000 $25,000Check only one rider:

Primary Insured Rider or Spouse Term Rider

With ADB Without ADB With ADB Without ADB

$ _______________________ Coverage Amount

Mode ________________

Initial Base Premium $ ________________

ADB Premium $ ________________

PW Premium $ ________________

CIR Premium $ ________________

InitialRider Premium $ __________________ (Add all premium amounts from computer proposal)

Total Premium $ ________________

Page ��

R-3547 Annual Renewable Term to Age 100 (ART) Brochure

LIBERTY NATIONAL LIFE INSURANCE COMPANY

PAGE 3 OF 5

*** BASIC POLICY ***

PLAN: ANNUAL RENEWABLE TERM AGE BASIS: AGE LAST BIRTHDAY

MODE: BANK BUDGET

PRESENTED FOR: John Doe, MALE, AGE 35, NON-TOBACCO USER

PRESENTED BY: Bill Agent PREPARED ON MAY 16, 2008

--BASIC COVERAGE-- TOTAL

AGE NATURAL ACCIDENTAL CURRENT MAXIMUM BASIC POL

LAST DEATH DEATH MODE MODE* MODE

YR BDAY BENEFIT BENEFIT PREM PREM PREMIUM

--- ---- ------------ ------------ --------- --------- ---------

1 35 100,000 18.45 18.45 19.98

2 36 100,000 19.17 25.20 20.79

3 37 100,000 19.89 26.37 21.69

4 38 100,000 20.61 27.72 22.41

5 39 100,000 21.33 29.07 23.31

6 40 100,000 22.05 30.78 24.12

7 41 100,000 23.40 32.58 25.56

8 42 100,000 24.75 34.47 27.09

9 43 100,000 26.10 36.54 28.71

10 44 100,000 27.45 38.88 30.24

11 45 100,000 28.80 41.49 31.95

12 46 100,000 30.78 44.19 34.65

13 47 100,000 32.76 47.16 37.35

14 48 100,000 34.74 50.49 40.14

15 49 100,000 36.72 54.00 43.20

16 50 100,000 38.70 58.05 46.89

17 51 100,000 42.48 62.82 53.46

18 52 100,000 46.26 68.22 60.30

19 53 100,000 50.04 74.34 67.68

20 54 100,000 53.82 81.27 75.33

21 55 100,000 57.60 88.92 83.52

22 56 100,000 63.90 97.29 95.40

23 57 100,000 70.20 106.20 107.91

24 58 100,000 76.50 116.10 121.05

25 59 100,000 82.80 127.17 134.73

26 60 100,000 89.10 139.68 127.89

27 61 100,000 98.64 153.54 129.69

28 62 100,000 108.18 169.47 134.10

29 63 100,000 117.72 187.56 138.42

30 64 100,000 127.26 207.81 142.83

31 65 100,000 136.80 229.95 136.80

32 66 100,000 151.74 253.89 151.74

33 67 100,000 166.68 279.72 166.68

* YOUR PREMIUMS CANNOT EXCEED THE MAXIMUM PREMIUMS. THE CURRENT PREMIUM IS

GUARANTEED FOR ONE YEAR, AND MAY BE INCREASED OR DECREASED BY THE COMPANY

ONCE A YEAR. SEE POLICY FORM FOR COMPLETE DETAILS.

Page ��

Annual Renewable Term (ART) Proposal Illustration


PAGE 4 OF 5


PLAN: ANNUAL RENEWABLE TERM AGE BASIS: AGE LAST BIRTHDAY

MODE: BANK BUDGET







--- ---- ------------ ------------ --------- --------- ---------

34 68 100,000 181.62 307.89 181.62

35 69 100,000 196.56 339.12 196.56

36 70 100,000 211.50 374.58 211.50

37 71 100,000 243.90 415.26 243.90

38 72 100,000 276.30 462.42 276.30

39 73 100,000 308.70 515.97 308.70

40 74 100,000 341.10 575.19 341.10

41 75 100,000 373.50 638.82 373.50

42 76 100,000 447.30 706.41 447.30

43 77 100,000 521.10 777.60 521.10

44 78 100,000 594.90 852.84 594.90

45 79 100,000 668.70 934.65 668.70

46 80 100,000 742.50 1,065.15 742.50

47 81 100,000 846.90 1,202.40 846.90

48 82 100,000 951.30 1,345.95 951.30

49 83 100,000 1,055.70 1,496.70 1,055.70

50 84 100,000 1,160.10 1,654.20 1,160.10

51 85 100,000 1,264.50 1,762.02 1,264.50

52 86 100,000 1,392.48 1,886.49 1,392.48

53 87 100,000 1,520.46 2,015.82 1,520.46

54 88 100,000 1,648.35 2,152.35 1,648.35

55 89 100,000 1,776.33 2,278.80 1,776.33

56 90 100,000 1,904.31 2,385.09 1,904.31

57 91 100,000 2,051.10 2,506.05 2,051.10

58 92 100,000 2,219.04 2,646.36 2,219.04

59 93 100,000 2,413.62 2,811.33 2,413.62

60 94 100,000 2,641.41 3,006.63 2,641.41

61 95 100,000 2,929.32 3,224.25 2,929.32

62 96 100,000 3,339.99 3,635.73 3,339.99

63 97 100,000 3,339.99 3,635.73 3,339.99

64 98 100,000 3,339.99 3,635.73 3,339.99

65 99 100,000 3,339.99 3,635.73 3,339.99




Page �0



PAGE 5 OF 5

** PREMIUM DISTRIBUTION SUMMARY **

INITIAL INITIAL

AMOUNT ANNUAL BANK BUDGET

PREMIUM PREMIUM

BASIC POLICY

ART 100,000 205.00 18.45

Form 9007

PW 17.00 1.53

TOTAL ANNUAL PREMIUM 222.00

TOTAL MODE PREMIUM 19.98

The values shown in this proposal are calculated under the assumption

that all premiums are paid when due.

Page �1


Page ��



Your HomeIt's probably the largest single investment your family will ever make.

But it’s more than just an investment. It’s where your memories are, where your family feels safe, and where you have chosen to raise your family.

Mortgage Decreasing Term

Page ��

R-3563 Mortgage Decreasing Term (MDT) Brochure

But all that can change in the blink of an eye.If you die due to an unexpected accident or illness, your family will be left without your income. How difficult will it be for your family to make the house payment each month without your income?

Without you, could your family afford to keep your present home?Would they have to move to a smaller house, an apartment, or a less desirable area? Would your children have to change schools?

chance of fire

chance of death before your home is

paid for

4 times greater

* Based on a 35-year-old male; U.S. Social Security Administration’s Period Life Table 2007; Journal of Financial Planning 2005, www.fpanet.org.

Where do you want your family to live when you die?

You've insured against losing your home due to fire.Shouldn’t you also insure against losing your home due to your death?

If you are like most people, you have purchased homeowner’s insurance to protect against a loss such as fire.

Did you know that a 35-year-old male is 4 times more likely to die before his home is paid for than to lose his home to a fire?* Doesn't it make sense to protect your family from losing its home?

Page ��


Some of the important features of Mortgage Decreasing TermYour spouse can apply for coverage also.

You own the policy so you can name your beneficiary.

If you become disabled for at least six months prior to age 60, your premium will be waived for as long as you remain disabled. If disability occurs after age 60, premiums will be waived until age 65 as long as disability continues. Additional premium applies.

You may continue your coverage for the term selected even if you pay off your mortgage loan early or if you move.

You may convert the amount of your life insurance in force to a permanent plan of insurance, until age 80, without proving insurability.

Liberty National cannot cancel your policy. Your coverage continues during the term selected, as long as you pay premiums.

This is only a brief description of Liberty National’s Mortgage Decreasing Term life insurance policy, form 9007. Please see the policy for full details.

u

u

u

u

u

u

Your agent is:

Be sure your home will be paid for.Here’s how Liberty National’s mortgage protection policy works:When you die, your beneficiary receives a lump-sum death benefit.

What this does for you:This policy provides the money that your family needs to help pay off your home.

The real benefit to you:You have peace of mind in knowing your family can continue to live in the home it loves and can continue the lifestyle that you’ve worked so hard to provide.

Don’t you think it makes sense to protect your family today?

Page ��


R-3563, ed. 12-07

2001 Third Avenue SouthBirmingham, AL 35233

LNL0547

Page ��



PAGE 3 OF 5


PLAN: 30 YEAR MORTGAGE DECREASING TERM AT 6.00 PERCENT INTEREST

MODE: BANK BUDGET AGE BASIS: AGE LAST BIRTHDAY







--- ---- ------------ ------------ -------- -------- --------

1 35 100,000 18.45 18.45 19.98

2 36 98,771 18.96 24.91 20.56

3 37 97,468 19.43 25.75 21.18

4 38 96,084 19.87 26.70 21.60

5 39 94,614 20.28 27.60 22.15

6 40 93,054 20.64 28.77 22.57

7 41 91,397 21.54 29.93 23.51

8 42 89,639 22.37 31.09 24.47

9 43 87,772 23.13 32.29 25.42

10 44 85,790 23.81 33.61 26.20

11 45 83,685 24.40 35.01 27.04

12 46 81,451 25.40 36.33 28.55

13 47 79,079 26.28 37.67 29.91

14 48 76,561 27.02 39.08 31.15

15 49 73,887 27.60 40.37 32.39

16 50 71,048 28.02 41.77 33.84

17 51 68,035 29.48 43.32 36.95

18 52 64,835 30.63 44.86 39.73

19 53 61,438 31.44 46.37 42.28

20 54 57,832 31.88 47.76 44.32

21 55 54,003 31.93 48.85 45.93

22 56 49,938 32.81 49.49 48.54

23 57 45,623 33.01 49.43 50.21

24 58 41,041 32.46 48.71 50.74

25 59 36,176 31.10 47.15 49.89

26 60 31,012 28.87 44.56 40.90

27 61 25,529 26.52 40.54 34.45

28 62 19,708 22.77 34.84 27.88

29 63 13,528 17.48 26.93 20.28

30 64 6,966 10.54 16.15 11.62

31 65 6,966 11.21 17.69 11.21

32 66 6,966 12.25 19.36 12.25

33 67 6,966 13.29 21.16 13.29




Page ��

Mortgage Decreasing Term (MDT) Proposal Illustration


PAGE 4 OF 5


PLAN: 30 YEAR MORTGAGE DECREASING TERM AT 6.00 PERCENT INTEREST

MODE: BANK BUDGET AGE BASIS: AGE LAST BIRTHDAY







--- ---- ------------ ------------ -------- -------- --------

34 68 6,966 14.33 23.12 14.33

35 69 6,966 15.37 25.30 15.37

36 70 6,966 16.41 27.77 16.41

37 71 6,966 18.67 30.60 18.67

38 72 6,966 20.92 33.89 20.92

39 73 6,966 23.18 37.62 23.18

40 74 6,966 25.44 41.75 25.44

41 75 6,966 27.69 46.18 27.69

42 76 6,966 32.84 50.89 32.84

43 77 6,966 37.98 55.85 37.98

44 78 6,966 43.12 61.09 43.12

45 79 6,966 48.26 66.79 48.26

46 80 6,966 53.40 75.88 53.40

47 81 6,966 60.68 85.44 60.68

48 82 6,966 67.95 95.44 67.95

49 83 6,966 75.22 105.94 75.22

50 84 6,966 82.49 116.92 82.49

51 85 6,966 89.77 124.43 89.77

52 86 6,966 98.68 133.10 98.68

53 87 6,966 107.60 142.11 107.60

54 88 6,966 116.51 151.62 116.51

55 89 6,966 125.42 160.43 125.42

56 90 6,966 134.34 167.83 134.34

57 91 6,966 144.57 176.26 144.57

58 92 6,966 156.27 186.04 156.27

59 93 6,966 169.82 197.53 169.82

60 94 6,966 185.69 211.14 185.69

61 95 6,966 205.75 226.30 205.75

62 96 6,966 234.36 254.96 234.36

63 97 6,966 234.36 254.96 234.36

64 98 6,966 234.36 254.96 234.36

65 99 6,966 234.36 254.96 234.36




Page ��



PAGE 5 OF 5


INITIAL INITIAL


PREMIUM PREMIUM

BASIC POLICY

MDT at 6.00% for 30 yrs 100,000 205.00 18.45

Form 9007

PW 17.00 1.53





Page ��


Page �0




PAGE 3 OF 5


PLAN: LEVEL PREM DECREASING TERM AGE BASIS: AGE LAST BIRTHDAY

MODE: BANK BUDGET







--- ---- ------------ ------------ -------- -------- --------

1 35 100,000 100,000 18.45 18.45 31.50

2 36 95,854 100,000 18.45 24.23 31.50

3 37 92,039 100,000 18.45 24.41 31.50

4 38 88,516 100,000 18.45 24.74 31.50

5 39 85,253 100,000 18.45 25.05 31.50

6 40 82,222 100,000 18.45 25.63 31.50

7 41 77,083 100,000 18.45 25.53 31.50

8 42 72,549 100,000 18.45 25.50 31.50

9 43 68,518 100,000 18.45 25.60 31.50

10 44 64,912 100,000 18.45 25.87 31.50

11 45 61,666 100,000 18.45 26.28 31.50

12 46 57,453 100,000 18.45 26.15 31.50

13 47 53,779 100,000 18.45 26.19 31.50

14 48 50,546 100,000 18.45 26.41 31.50

15 49 47,680 100,000 18.45 26.69 31.50

16 50 45,121 100,000 18.45 27.18 31.50

17 51 40,929 100,000 18.45 26.78 31.50

18 52 37,449 100,000 18.45 26.67 31.50

19 53 34,514 100,000 18.45 26.84 31.50

20 54 32,006 100,000 18.45 27.23 31.50

21 55 29,838 100,000 18.45 27.79 31.50

22 56 26,811 100,000 18.45 27.40 31.50

23 57 24,342 100,000 18.45 27.21 31.50

24 58 22,289 100,000 18.45 27.28 31.50

25 59 20,555 100,000 18.45 27.57 31.50

26 60 19,072 100,000 18.45 28.10 31.50

27 61 17,193 100,000 18.45 27.89 31.50

28 62 15,651 100,000 18.45 28.04 31.50

29 63 14,363 100,000 18.45 28.48 31.50

30 64 13,271 100,000 18.45 29.14 31.50

31 65 12,333 18.45 29.94 18.45

32 66 11,104 18.45 29.79 18.45

33 67 10,098 18.45 29.86 18.45




Page �1

Level Premium Decreasing Term (LPDT) Proposal Illustration


PAGE 4 OF 5


PLAN: LEVEL PREM DECREASING TERM AGE BASIS: AGE LAST BIRTHDAY

MODE: BANK BUDGET







--- ---- ------------ ------------ -------- -------- --------

34 68 9,259 18.45 30.14 18.45

35 69 8,548 18.45 30.63 18.45

36 70 7,939 18.45 31.39 18.45

37 71 6,877 18.45 30.23 18.45

38 72 6,065 18.45 29.74 18.45

39 73 5,425 18.45 29.69 18.45

40 74 4,907 18.45 29.94 18.45

41 75 4,479 18.45 30.33 18.45

42 76 3,737 18.45 28.13 18.45

43 77 3,206 18.45 26.67 18.45

44 78 2,807 18.45 25.69 18.45

45 79 2,496 18.45 25.08 18.45

46 80 2,247 18.44 25.69 18.44

47 81 1,970 18.45 25.45 18.45

48 82 1,753 18.44 25.36 18.44

49 83 1,579 18.44 25.40 18.44

50 84 1,437 18.44 25.54 18.44

51 85 1,318 18.44 25.00 18.44

52 86 1,197 18.45 24.36 18.45

53 87 1,096 18.44 23.87 18.44

54 88 1,011 18.45 23.54 18.45

55 89 1,000 19.55 24.57 19.55

56 90 1,000 20.83 25.63 20.83

57 91 1,000 22.29 26.84 22.29

58 92 1,000 23.97 28.25 23.97

59 93 1,000 25.92 29.90 25.92

60 94 1,000 28.20 31.85 28.20

61 95 1,000 31.08 34.02 31.08

62 96 1,000 35.18 38.14 35.18

63 97 1,000 35.18 38.14 35.18

64 98 1,000 35.18 38.14 35.18

65 99 1,000 35.18 38.14 35.18




Page ��



PAGE 5 OF 5


INITIAL INITIAL


PREMIUM PREMIUM

BASIC POLICY

LPD 100,000 205.00 18.45

Form 9007

ADB 100,000 145.00 13.05





Page ��


Page ��



$3,000Coverage for you*

$3,000 Coverage for your spouse*

$1,000Coverage for your children*

*See policy for definitions

Liberty National’sAccidental

Death Policy

Accidental Death Coveragefor You and YourFamily

Accidents are the leading cause of death among those 1 to 44 years old & the fifth leading cause overall.--National Safety Council’s 2005-2006 Injury Facts.

The Top Five Causes of Unintentional Death are:

1. Motor Vehicle 2. Falls 3. Poisoning 4. Choking 5. Fires, Smoke

• The cost is only $10 a year. Premium is payable at the end of the policy year.

• Coverage is effective when the named insured or spouse signs the application for insurance. If the spouse signs the application, the named insured must be alive at time of signature.

Issue Ages 18 - 68

Page ��

R-3574 Accidental Death Policy Brochure

Important Facts (1):• An estimated 111,000 Americans were killed in 2004.

• An accidental death occurs every five minutes in the United States.

• Accidental death and injury cost victims in the United States $574.8 billion in 2004.

Non-cancelable and Guaranteed Renewable with premiums payable to policy anniversary following insured’s 70th birthday.

(1) Source: National Safety Council ’s 2005-2006 Injury Facts.

(2) This is only a brief description of Liberty National Life’s Accidental Death Insurance Policy, form 7061. Noncancelable until the policy anniversary following your 70th birthday. Full details, including exceptions for payment of benefits, are in the policy. Insurance benefits provided by Liberty National Life Insurance Company, 2001 Third Avenue South, Birmingham, AL 35233.

R-3574, Ed. 7-06

Accidental Death Policy from Liberty National

At Liberty National, we can’t prevent accidents. But we can help you protect yourself and your loved ones in case of an accident.

Since 1900 we’ve grown into one of the nation’s leading insurers with over 100 locations and thousands of representatives in hometowns across the nation.

We believe in personal, one-to-one, hometown service for insurance. And that’s the way it ought to be.

We offer ways to help you provide money for your family — money which can be used for:

• funeral expenses• mortgage payment

in case of death• living expenses• cancer treatment• medical expenses• monthly income to survivors

We also offer a discount card to help our customers save on prescriptions, eye wear, travel and other items. In addition, we offer life and supplemental health insurance through employer/employee payroll deduction.

See your hometown Liberty National Life agent today for details.

FOR Hometown Service, OUR COMPANY Stands Above the Rest.

LNL0626 0108

Page ��

R-3574 Accidental Death Policy Brochure

Page ��

A-394 Application for Accidental Death Policy

JHarris AOL.com

70168301 Park Avenue 614 555-1001Columbus OH 43215

James C Harris 444-33-4316 30 02 15 78

Sandra B. Harris Wife

Sandra B Harris

Kelly D Harris

Mark A Harris

161-89-3018

323-12-3123

428-69-2139

06 01 80

12 25 05

01 03 08

3|16|08 OH Robert Thomas James C. Harris

Page ��

Page ��

How to Work Leads Chart

LEAD CAMPAIGN LEAD DESCRIPTION LEAD TYPE LEAD OBTAINED BY

HOW DO I CONTACT

LEADSCRIPT

Child Safe Kit Leads

Prospects who requested Child Safe Kits directly from our website.

Response E-mail Face to FaceCHILD SAFE KITlibnat.com

ChoicePoint ALL Branch Leads

Home Office Campaign Targeted consumers who indicated an interest in talking to a sales rep about life insurance.

Response Phone Face to FaceRESPONSE LEAD CONTACT SCRIPT

Page 90

Globe GMAD Leads

Prospects who returned a Globe mailing and asked for additional info but never bought. Approximately 90 days old.

Response Direct Mail Face to FaceGLOBE INQUIRYlibnat.com

JAM All Branch Leads

(Mass purchased by the Home Office)

Worksite/Section 125 prospects contacted by JAM telemarketing. These are businesses with 10-50 employees.

Response List Purchase Face to FaceSMALL BUSINESS

FACE TO FACElibnat.com

JAM Leads Purchased by

the Branch

Worksite/Section 125 prospects contacted by JAM telemarketing. These are businesses with 10-50 employees.

Response Phone Face to FaceSMALL BUSINESS


Local CampaignsPurchased from a local media source. Check source Code.

ResponseVaries by

CampaignFace to Face

RESPONSE LEAD CONTACT SCRIPT

Page 90

Premium Notice Inserts

Liberty National customers who returned a reply card requesting a Liberty National product or no-cost/Low-Cost offer.

Response Mail Face to FaceRESPONSE LEAD CONTACT SCRIPT

Page 90

Sunrise All Branch Leads

(Mass purchase by the Home Office.)

Worksite/Section 125 prospects contacted by Sunrise Telemarketing. These are businesses with 10-50 employees.

Response Phone Face to FaceSMALL BUSINESS


Target All Branch Leads

Prospects who returned a response card requesting more information. Check source code for type of mailing.

Response Mail Face to FaceRESPONSE LEAD CONTACT SCRIPT

Page 90

Worldwide All Branch Leads

Prospects actively looking for insurance, who responded to a television, Internet, radio, direct mail or print ad.

ResponseVarious -direct Mail, Radio, TV,

Internet, etc.Face to Face


Page 90

ReferralsProspects who are referred to you by someone else.

Referral Face to FaceFace to Face

InterviewREFERRALSPage 91

D & B B2B LeadsBusiness prospects from Dunn & Bradstreet for Worksite/Section 125 Cafeteria Plans

List List Purchase CallDB – SMALL BUSINESS

libnat.com

Home Office Generated Leads

3 types Check Source Code: Globe Inquiry Same as GMAD Globe Lapse Globe Policyholders whose policies have lapsed.Turning 65 Leads Prospects who are turning 65 in the next 90 days.

List List Purchase Call

GLOBE INQUIRY libnat.comGLOBE LAPSE libnat.com

SENIORS libnat.com

Judy Diamond Section 125

Leads

Small business prospect list from Judy Diamond. These businesses have a Cafeteria Plan.

List List Purchase CallJUDY DIAMONDlibnat.com

Mortgage LeadsPurchased list of new home buyers and refinanced mortgages

List List Purchase CallMORTGAGE

libnat.com

Sales Genie (not on LMS)

Prospects Identified on the Sales Genie website.

List List Purchase CallTELEPHONE

APPROACHESPage 93

libnat.com = http://www.libnat.com/AgentServices/training/libchart/index.html

Page �0

Response Lead Contact Script


"Hello, my name is ________________, with Liberty National Life Insurance."

"Are you Mr./Ms._______________?"

"I’m here to provide the information you requested. May I step inside?"

HANDLING OBJECTIONSI didn’t request any information.

"We were recently advised that you requested information from us concerning (Final Expenses, Child Safe Kit, MedFacts Kit, Accident Policy, Section 125, etc – Give a brief description of the information requested). While I’m here, I’ll be happy to provide this information and answer any questions you have. May I step inside?"

Leave me the information.

“Mr./Ms. __________________, I’ve been asked to explain how it works before leaving it with you. May I step inside?”

I don’t have time right now.

“Now is not really the best time for me either. I usually work by appointment, and I wanted to stop by and schedule a convenient time for us to get together. Which is better for you, daytime or evening?”

(wait for response)

“I’ll be in your neighborhood next (Day). Which is better for you, (Time) or (Time)?”

How long will this take?

“It won’t take long unless you have a lot of questions. May I step inside?”

Page �1

Referrals Script

REFERRALS


"Are you Mr./Ms._______________?"Your (father, friend, neighbor, etc ), (name), is a customer of mine. I recently provided (customer’s name)......

Child Safe Kit:

“…..with a free Child Safe Kit. The Child Safe Kit gives you a place to record important identifying information that can be used in the event your child becomes missing. May I step inside and explain how it works?”

MedFacts Kit:

“…..with a free MedFacts Kit. The MedFacts Kit gives you a place to record important health information that can be used in the event of a medical emergency. May I step inside and explain how it works?”

Accident Policy:

“…..with a family Accident Policy. This accident policy covers you, your spouse and children for only $10.00 per year. May I step inside and explain how it works?”

Continued Next Page

Page ��

Referrals Script - Answers to Objections

REFERRALS

ANSWERS TO FACE-TO-FACE OBJECTIONSI'm not interested

Child Safe Kit: “I can understand why you feel that way. It’s difficult to make a decision without having all of the information. I would like to give you something, free of charge, that gives you a place to record important identifying information that can be used in the event your child becomes missing. May I step inside?”

MedFacts Kit: “I can understand why you feel that way. It’s difficult to make a decision without having all of the information. But this free gift could make a big difference if you have a medical emergency. May I step inside?”

Accident Policy: “I can understand why you feel that way. It’s difficult to make a decision without having all of the information. But I would like to make sure you have the opportunity to provide this accident coverage for your family. May I step inside?”

I didn’t request any information.

We were recently advised that you requested information from us concerning (Final Expenses, Child Safe Kit, MedFacts Kit, Accident Policy, Section 125, etc – Give a brief description of the information requested). While I’m here, I’ll be happy to provide this information and answer any questions you have. May I step inside?

Leave me the information.

“Mr./Mrs. __________________, I’ve been asked to explain how it works before leaving it with you. May I step inside?”

I don’t have time right now.

“Now is not really the best time for me either. I usually work by appointment, and I wanted to stop by and schedule a convenient time for us to get together. Which is better for you, daytime or evening?”

(wait for response)

“I’ll be in your neighborhood next (Day). Which is better for you, (Time) or (Time)?”



Page ��

Telephone Approaches

TELEPHONE APPROACHES


Is this Mr./Ms.______________________? I’ve been asked to meet with residents in your area to provide them ......

Child Safe Kit: “…..with a free Child Safe Kit. The Child Safe Kit gives you a place to record important identifying information that can be used in the event your child becomes missing. I would like to schedule a convenient time to come by and provide you with your free Child Safe Kit. Which is better for you, daytime or evening?”

MedFacts Kit: “…..with a free MedFacts Kit. The MedFacts Kit gives you a place to record important health information that can be used in the event of a medical emergency. I would like to schedule a convenient time to come by and provide you with your free MedFacts Kit. Which is better for you, daytime or evening?”

Accident Policy: “…..with a family Accident Policy. This accident policy covers you, your spouse and children for only $10.00 per year. I would like to schedule a convenient time to come by and provide your family with this accident policy. Which is better for you, daytime or evening?”

ANSWERS TO TELEPHONE OBJECTIONS

What is this about? “Mr./Ms. ____________, that’s what I’d like to show you. Which is better for you, morning or afternoon?”

Mail/Send me the information.

“Since I will be in your area this week and this is such a valuable tool, I would like to personally deliver it and explain how it works. Which is better for you, morning or afternoon?”

I'm too busy.... “Mr/Ms. _______________, I thought you might be busy. That’s why I’m calling. I would like to schedule a time that is convenient for you. Which is better for you, morning or afternoon?”



Page ��

Memorial GuideMemorial Guide

for final

Wishes and

Requests

for final

Wishes and

Requests

MG03 R3552

Page ��

Door Openers

Current Medications I Am Taking Date Dosage Frequency (IMPORTANT: Spell these CORRECTLY) Prescribed (mgs) (daily, weekly) MedFacts

Personal medical information for:

MedFacts is provided as a courtesy of your local Liberty National Life Insurance Agent.

Name: ____________________________

Address:___________________________

City_______________________________

State_____ Zip_____________________

Sex: M___ F___ Married___ Single___

Date of Birth:______/________/________

Preferred Hospital: __________________ Primary Physician: __________________ Other Physician: ____________________

Helpful hint: Photocopy this brochure (both sides) and keep it in your auto glove compartment.If you have a friend who might want a MedFacts kit, tell your Liberty National Life Agent about it!

Instructions: place the peel-and-stick magnet on the back of the clear plastic pouch.Keep MedFacts in the pouch and attach to outside of refrigerator with magnets. PlaceMedFacts stickers near front and back doors in easy view for medical personnel.

N-3297, Ed. 2-04

This kit belongs to:

Child’s Name

Completed on:

Day/Month/Year

Important InformationFor Parents

Teach your child how to use 911. Your child should also know his or her full name, address, and phone number.

Teach your child about the dangers of strangers. For example, never go anywhere with someone they do not know. Do not approach an unfamiliar car.

Do not place your child’s name on personal items. This information could be used by strangers.

Teach your child what to do if you are separated in a public place.

Know exactly where your child is and who they are with at all times.

Update this Kit at least every year.

IMPORTANT!There is no waiting period before a missing child can be reported to the police. Report it immediately and

have the information they will need right at hand.

Ask your Agent for additional Child Safe Kits

Torchmark Corporation 3700 S. Stonebridge Drive

McKinney, TX 75070

1.

2.

3.

4.

5.

6.

Photograph

Please use tape to attach a currentphoto of your child here.

Remember to update yourchild’s photo every

6 - 12 months.

Child’s age in picture

Date picture was taken

UAI0732 0408 N-3288, Ed. 4-08

$3,000Coverage for you*

$3,000 Coverage for your spouse*

$1,000Coverage for your children*

*See policy for definitions

Liberty National’sAccidental

Death Policy

Accidental Death Coveragefor You and YourFamily

Accidents are the leading cause of death among those 1 to 44 years old & the fifth leading cause overall.--National Safety Council’s 2005-2006 Injury Facts.

The Top Five Causes of Unintentional Death are:

1. Motor Vehicle 2. Falls 3. Poisoning 4. Choking 5. Fires, Smoke

• The cost is only $10 a year. Premium is payable at the end of the policy year.

• Coverage is effective when the named insured or spouse signs the application for insurance. If the spouse signs the application, the named insured must be alive at time of signature.

Issue Ages 18 - 68

Page ��

Door Openers

of L I F E I N S U R A N C E

Choose $5,000, $10,000, $20,000, $30,000 or

$50,000 Coverage

PROTECTION FOR ONLY $100 *

Liberty National can provide life insurance benefits to help cover hospital and doctor bills, mortgage or rent payments, funeral expenses and cemetery costs, auto loans, and unpaid credit cards.

$100 * pays for the first month’s coverage. Then rates are based on the insured’s current age, health, and plan selected.

Upon approval of the application, you’re fully covered under the terms of your policy.

* $100 pays the premium for the first month for coverage up to $50,000. After this introductory period, rates are based on the insured’s current age, health, and plan selected.

$100 * buys up to

$50,000

This is an opportunity you don’t want to miss! Sign up today.

Page ��

R-3683 Interim Term Rider Brochure

R-3683, Ed. 5-07

Life Insurance Coverage from Liberty National Life

When the unexpected happens, we can help provide for you and your family when you need help the most. Purchasing life insurance can make a difficult situation easier by providing death benefits.

You can choose:

• Who to cover - yourself, your spouse, your children, your grandchildren

• The amount of coverage

• Whole Life or Term

About UsSince 1900 we’ve grown into one of the nation’s leading insurers with over 100 locations and thousands of representatives in hometowns across the nation.

Liberty National Life has once again been recognized as one of the Ward’s 50 Benchmark Group of life-health insurers based on safety, consistency and performance (as of 6/06).

Torchmark Corporate AffiliateLiberty National and its affiliate sister companies are subsidiaries of Torchmark Corporation, a publicly traded holding company that specializes in life and supplemental health products for working Americans. Each Torchmark subsidiary specializes in a niche market. For more information on Torchmark, visit: www.torchmarkcorp.com.

Financial Strength: A+ SuperiorLiberty National Life is rated A+ (Superior) by A.M. Best (as of 6/06).For the latest rating go to: www.ambest.com.

According to A.M. Best: The rating of Liberty National Life Insurance Company reflects the company’s strong earnings, favorable capitalization, and high credit quality bond portfolio. This rating also acknowledges the strong financial support of the Torchmark Corporation and Liberty National’s established position as the lead life insurance provider for Torchmark.

Liberty National life has had an A+ (Superior) rating from A.M. Best since Best began its ratings.

PROTECTION FOR ONLY $100 *

Agent’s Name ________________________________________________________________ Employee Number ____________________

This is a brief description of Liberty National Life’s Interim Term Rider, form 6240. Full details, including exceptions for payments, are in the policy. In no event will this rider and the policy to which it is attached be in force at the same time. No benefits are payable under this rider if benefits are payable under the policy.

2001 Third Avenue SouthBirmingham, AL 35233

www.libnat.com

We’ve been providing life and health insurance for over one hundred years.

* $100 pays the premium for the first month for coverage up to $50,000. After this introductory period, rates are based on the insured’s current age, health, and plan selected.

LNL0627

Page ��

R-3683 Interim Term Rider Brochure

R-1632-1, Ed. 0508 LNL0770 0508Page � of 2

Referred Leads

Name(Person Providing Referral)

Address Phone

ChildSafe Kit: “I’m sure you have other parents in mind who would like to have a ChildSafe Kit for their children. I have several more available to give away. Who should I give them to?”

If No Referrals:“Who do your children play with on a regular basis?”“Who do you know that has children involved in sports such as soccer, baseball or basketball?”“Who do you know that has young teenagers?”“Who do you know that has grandchildren?”

MedFacts Kit: “I’m sure you have other people in mind who would like to have a MedFacts Kit. I have several more available to give away. Who should I give them to?”

If No Referrals:“Who do you know that lives nearby that does not have family in the area?”“Who do you know that takes prescription drugs?”“Who do you know that has a medical condition?”“Who do you know that has allergies?”

Accident Policy: “I’m sure you have other parents in mind who could use one of thse accident policies. I have several more available to give away. Who should I give them to?”

If No Referrals:“Who do you know who has young children or teenagers?”“Who do you know who has had a car accident?”“Who do you know who works in construction?”“Who do you know who has recently gotten married?”

�.2.

3.4.

�.

2.3.4.

�.2.3.4.

Page ��

R-1632-1 Referred Leads Form

R-1632-1, Ed. 0508 LNL0770 0508Page 2 of 2

Referred Leads

Name Age Spouse’s Name Age

Relationship(to person providing referral) Occupation

Ages of Children

Address Phone



Ages of Children

Address Phone



Ages of Children

Address Phone



Ages of Children

Address Phone



Ages of Children

Address Phone



Ages of Children

Address Phone



Ages of Children

Address Phone



Ages of Children

Address Phone



Ages of Children

Address Phone

Page 100

R-1632-1 Referred Leads Form

_____________________ _________________ __________ ____ ____________(Name) (Employer) (D.O.B.) Age

_____________________ _________________ __________ ____ ____________(Spouse) (Employer) (D.O.B.) Age

_____________________ ____ ____________ (Child/Grandchild’s Name) Age



______________________________________________________________________(Address) (Home Phone) (Work Phone)

SURVEY Date __________________

Insurance Amt. Type

1. How much life insurance is provided by your checking account?_____________________

2. How much life insurance do you have at work? (1) ______________________ (2) ______________________ Who is in charge of benefits where you work?(1) ______________________ (2) ______________________

3. Do you own or rent your home?Own - Will your mortgage be paid in full when you or your spouse dies? Yes No

Rent - Will your monthly rent payments be paid when you or your spouse dies? Yes No

4. Are you covered by a Final Expense policy? Yes No $____________ ______________________ Cancer policy? Yes No $____________ ______________________ Intensive Care policy? Yes No $____________ ______________________ Critical Illness policy? Yes No $____________ ______________________ Hospital Accident policy? Yes No $____________ ______________________ Basic Hospital? Yes No $____________ ______________________ Hospital/Surgical? Yes No $____________ ______________________ Medicare/Medicare Supplement? Yes No $____________ ______________________ Medicaid? Yes No $____________ ______________________ Discount Service Program such as Health Services/ Prescription? Yes No $____________ ______________________ Auto Club? Yes No $____________ ______________________

5. How would your family pay for the high cost of treatment for a serious illness, such as cancer or heart attack? ______________________________________________________________________________________

6. Have you ever wondered if you have enough life insurance to take care of your family’s basic needs following your death? Yes NoWould you like to know for sure? Yes No

7. When you die your income dies, but your family’s need for income continues. What arrangements have you made to be sure that a portion of your income will be sent to your family each month? _____________________________________________________________________________________

8. If you were going to buy insurance in the next few months, what type of insurance would you purchase and on whom would you purchase it? ____________________________Why? ___________________________________________

Do you mind if I show you something?

(1)

(2)

R-3114, Ed. 5-08

Monthly Premium/Fee Company

Page 101

Market Survey

R-3114, Ed. 5-08 TMK0706

Let me summarize what you told me … (Summarize) Is that about what you told me?

Life Need

You told me that you have $ ________________ lifeinsurance coverage. How do you want your family to spendthis money when you die?

Health Need

You told me that you have a ________________ policy.

You also said that have ________________ to help pay forhealthcare expenses.

Basic Needs Benefit PathBased on what you told me, I would like to recommend _____________________ and _____________________ coverage for you and your family.

health

life

Here’s how the HeaLtH insurance coverage works:

Medical/SurgicalYour new supplemental health policy, _____________, will help provide these benefits:

(Review brochure)Cancer/Critical Illness

Your new _____________________ policy will provide these benefits:

(Review brochure)

What this supplemental health insurance coverage does for you is provide help you may need to:pay for healthcare expensesaccess better quality healthcarecare for your familybe prepared for the unexpected.

The real benefit to you … is knowing your family is cared for financially.

••••

cancer/critical illness

Now, here’s how the LIFe insurance coverage works:In the event of your death, your new policy will provide $________ in a lump-sum benefit amount. Reviewbrochure or proposal illustration.

What this does is provide the money your family needs:to pay for your final expensesto pay off debts, like credit cards, a car payment, or the mortgageto provide money for collegeto provide a monthly income for _____________________.

The real benefit to you … is the peace of mind of knowing your family is cared for financially.

••••

Don’t you think it makes sense to protect your family today?

This is a solicitation for insurance. You may be contacted by an Agent representing United American Insurance Company or Liberty National Life Insurance Company.

policy

Page 10�

Market Survey

1. FINAL EXPENSES One of the first financial burdens your family will encounter is final expenses. This includes the costs for the funeral, cemetery lot and marker, plus final medical bills. How much money will your family need for the funeral? For cemetery lot and marker? For final medical bills?

2. DEBTS Most families are making monthly payments for automobiles, appliances, furniture, clothes or credit cards. When you die, how much money will your family need to pay off your outstanding debts?

3. MORTGAGE OR RENT Where do you want your family to live when you die? How difficult will it be for them to make the payments without you? What will it cost to pay off your mortgage for your family? (If you rent, how many years do you want the rent to be paid?)

4. EDUCATION Do you want your children to have a college education? College costs include tuition, room and board, books, supplies, transporta-tion and other miscellaneous costs. How will they pay these costs if you die? How much will each child need per year?

$_______ per year x ___ yrs. x ___ children = $ ___________

5. MONTHLY INCOME When you die your income dies, but your family’s need for income continues. How difficult will it be for your family to pay the bills each month without your income? You can help your family by providing an income to them during their readjustment period. How many years would you like to provide an income for your family? How much would you like to provide each month?

$___________ per month for ____ years. (If you die)

$___________ per month for ____ years. (If your spouse dies)

2001 Third Avenue South • Birmingham, AL 35233Agent’s Name: _________________________________

AMOUNT NEEDED:

For Final Expenses $______________ $______________

For Debts $______________ $______________

For Mortgage or Rent $______________ $______________

For Education $______________ $______________ Lump Sum Total $______________ $______________

For Monthly Income $______________ $______________

Total $______________ $______________

Minus Present Coverage $______________ $______________

ADDITIONAL COVERAGE

NEEDED $______________ $______________

F ___________

C ___________

M ___________(Funeral, Cemetery,

Medical Bills)

R-3392, Ed. 2-05 LNL0640

Page 10�

R-3392 Basic Needs Worksheet

APPLICATION FOR MONTHLY INCOME

Furthermore, I may at any time make changes with respect to (A), (B), and/or (C) above. I understand and agree that the Company reserves the right during the first year the policy is in force, to restrict beneficiaries to designations acceptable to the company. However, when benefits become payable as a result of my death,

my beneficiary may make any changes to the (B) METHOD OF PAYING BENEFITS that I have chosen.my beneficiary may not make any changes to the (B) METHOD OF PAYING BENEFITS that I have chosen.

Owner’s Name (print) Agent’s Signature

Owner’s Signature Date District # / Agency #

Owner to complete this section Agent to complete this section

I am the Policyowner for the life insurance policies listed below under (A) POLICIES. When benefits under these policies become payable as a result of my death, I request that such benefits be paid in accordance with (B) METHOD OF PAYINGBENEFITS, as described below. The beneficiary of these benefits is to be the person named under (C) BENEFICIARY.THE NAMED INSURED MUST BE THE SAME ON ALL POLICIES LISTED ON THIS FORM.A. Liberty National Policies ____________________________________________________________

__________________________________________________________________________________

B. Method of Paying Benefits $ _________ in a lump sum to be paid immediately.Balance will be paid in equal monthly payments over _________ years.

C. Primary Beneficiary* ______________________________________________________________ (Print Full name) (Relationship)

Contingent Beneficiaries* Benefits payable to contingent beneficiaries will be paid in a lump sum.

__________________________________________________________________________________(Print Full name) (Relationship) (Print Full Name) (Relationship)

__________________________________________________________________________________(Print Full name) (Relationship) (Print Full Name) (Relationship)

* I hereby request that the primary / contingent beneficiaries of all policies listed under (A) be changed to the persons shown above.

$100 $200 $300 $400 $500 $600 $700 $800 $900 $1,000 $1,500 $2,000Yrs

Use this chart to estimate the face amount of insurance needed to produce desired monthly income of:Estimated Face Amount

This chart is based on settlement option 3, payment for a fixed period at 5% interest.

1 2,000 3,000 4,000 5,000 6,000 8,000 9,000 10,000 11,000 12,000 18,000 24,0002 3,000 5,000 7,000 10,000 12,000 14,000 17,000 19,000 21,000 23,000 35,000 46,0003 4,000 7,000 11,000 14,000 17,000 21,000 24,000 27,000 31,000 34,000 51,000 68,0004 5,000 9,000 14,000 18,000 22,000 27,000 31,000 35,000 40,000 44,000 66,000 88,0005 6,000 11,000 17,000 22,000 27,000 33,000 38,000 43,000 49,000 54,000 81,000 107,0006 7,000 13,000 19,000 26,000 32,000 38,000 44,000 51,000 57,000 63,000 94,000 126,0007 8,000 15,000 22,000 29,000 36,000 43,000 50,000 58,000 65,000 72,000 107,000 143,0008 8,000 16,000 24,000 32,000 40,000 48,000 56,000 64,000 72,000 80,000 120,000 160,0009 9,000 18,000 27,000 36,000 44,000 53,000 62,000 71,000 79,000 88,000 132,000 176,000

1 0 10,000 20,000 29,000 39,000 48,000 58,000 67,000 77,000 86,000 96,000 143,000 191,00011 11,000 21,000 31,000 41,000 52,000 62,000 72,000 82,000 93,000 103,000 154,000 205,00012 11,000 22,000 33,000 44,000 55,000 66,000 77,000 88,000 99,000 110,000 164,000 219,00013 12,000 24,000 35,000 47,000 58,000 70,000 82,000 93,000 105,000 116,000 174,000 232,00014 13,000 25,000 37,000 49,000 61,000 74,000 86,000 98,000 110,000 122,000 183,000 244,00015 13,000 26,000 39,000 52,000 64,000 77,000 90,000 103,000 116,000 128,000 192,000 256,00016 14,000 27,000 41,000 54,000 67,000 81,000 94,000 107,000 121,000 134,000 201,000 268,00017 14,000 28,000 42,000 56,000 70,000 84,000 98,000 112,000 126,000 139,000 209,000 278,00018 15,000 29,000 44,000 58,000 73,000 87,000 101,000 116,000 130,000 145,000 217,000 289,00019 15,000 30,000 45,000 60,000 75,000 90,000 105,000 120,000 135,000 149,000 224,000 298,00020 16,000 31,000 47,000 62,000 77,000 93,000 108,000 123,000 139,000 154,000 231,000 308,000

Page 10�

R-3392 Basic Needs Form

Documents

TRAINING HANDOUTS Sheets V2/Library… · Product Information – $3,000 Accidental Death Insurance 85 R-3574 Accidental Death Policy Brochure 85 A-394 Application for Accidental