200-787 4-16

United Home LifeUnited Farm Family LifeInsurance Companies

The Market For Premier 20

Prospective clients for Premier 20 Return-of-Premium (ROP) Term include the following cross-sections of consumers:

• Millennials • Newlyweds• Generation X • Families• Boomers (Refer to SmartMarkets for details on each group.)

Premier 20 ROP Term has guaranteed level premiums during the initial term period, a level death benefi t, and a return-of-premium feature. Issue ages are 20-60 for Non-Tobacco users; 20-40 for Tobacco users.

Face amounts available, for those who qualify, are:

• $50,000 – $200,000 ages 20-45• $50,000 – $150,000 ages 46-55• $50,000 – $100,000 ages 56-60

Premier 20 can help cover a broad array of needs including:

• Day-to-day expenses• Mortgage debt• Student loan debt• Credit card debt• Outstanding loan debt• Child care• Unpaid medical bills• Wedding/honeymoon debt (Refer to SmartStats for more details.)

Plus: add no-cost coverage for children via Child Rider. The fi rst $5,000 of rider coverage is at no charge for base face amounts of $100,000 or more.

About Us

United Home Life and United Farm Family Life Insurance Companies have been in the business of providing life insurance coverage since 1948 and 1937, respectively. Our companies are fi nancially strong as evidenced by our ratings from A.M. Best, a leading independent analyst of the insurance industry since 1899. A.M. Best has assigned a fi nancial strength rating of A- (Excellent) to United Home Life; United Farm Family Life’s fi nancial strength rating is A (Excellent). And, combined, we have more than $2 billion in assets and over $20 billion of life insurance in force so we’re well-positioned to meet our obligations to our policyowners.

We’re admitted in 48 states and the District of Columbia, offering simplifi ed issue non-med life insurance products coast to coast for a wide range of clients from the healthy to those who may be uninsurable.

United Home LifeUnited Farm Family Life Insurance Companies

225 South East StIndianapolis, IN 46202

Toll-Free: 800-428-3001

www.unitedhomelife.com

SmartSelling:Premier 20 Return-Of-Premium Term

Sales Concept

Product/rider availability varies by state and issue age. See actual policy for features and details. For agent use only. Not for use with the general public.

A- (Excellent) and A (Excellent) are the 4th and 3rd highest ratings, respectively, of 16 ratings.

How The Concept Works

Two steps:

1. Purchase a Premier 20 life insurance plan.2. Exercise the policy’s Reduced Paid-up (RPU)

non-forfeiture option at any year there is adequate surrender value. The RPU option provides reduced paid-up coverage to age 95 with no more premiums due. At age 95, the RPU plan endows.*

How it benefi ts your clients:

• There’s no need to provide evidence of insurability to exercise the RPU option, even if there have been adverse changes in health.

• By exercising the RPU option, your client still has coverage in place – although it’s a lower face amount, it will still provide a benefi t for loved ones.

• The RPU policy can also supplement other coverage your clients may have purchased for other needs – it simply adds more coverage for which no premiums are due.

• Adding a Child Rider provides convertible coverage for kids at the earlier of age 21 or the date the rider terminates, with no evidence of insurability.

To calculate the RPU policy face amount, divide the surrender value by the Net Single Premium (NSP) per thousand from the table (based on attained age and tobacco use) then multiply by 1,000. NSPs are based on attained age. The actual face amount may vary due to rounding.

Other Premier 20 policy options include continuing coverage at annually increasing rates after the level premium period or surrendering the policy for cash.

Example:

32 year-old Male Non-Tobacco $125,000 Premier 20 Term Face Amount $15,225 Surrender Value:

$15,225 ÷ $326.02 (NSP for attained age 52 M NT) X 1,000 = $46,699.59

AttAge

M NTNSP

M TNSP

AttAge

M NTNSP

40 208.45 256.74 61 442.80 41 216.64 266.17 62 457.00 42 225.11 275.84 63 471.32 43 233.85 285.75 64 485.73 44 242.86 295.86 65 500.24 45 252.13 306.17 66 514.87 46 261.68 316.68 67 529.68 47 271.51 327.42 68 544.68 48 281.67 338.45 69 559.90 49 292.22 349.87 70 575.32 50 303.14 361.63 71 590.87 51 314.41 373.71 72 606.44 52 326.02 386.04 73 621.95 53 337.94 398.57 74 637.42 54 350.15 411.24 75 652.87 55 362.60 423.99 76 668.31 56 375.29 436.80 77 683.69 57 388.21 449.69 78 698.92 58 401.42 462.73 79 713.90 59 414.94 476.00 80 728.58 60 428.75 489.45

Notes:

Exercising the RPU option continues coverage at a reduced face amount. Surrendering the Premier 20 policy for cash terminates coverage.

Example shown is at the end of 20 years – RPU option can be exercised during any policy year. RPU face amount calculation will be based on surrender value at the time of RPU election.

AttAge

F NTNSP

F TNSP

AttAge

F NTNSP

40 184.34 232.61 61 393.02 41 191.64 241.42 62 405.73 42 199.21 250.53 63 418.72 43 207.07 259.93 64 431.99 44 215.20 269.63 65 445.54 45 223.61 279.61 66 459.36 46 232.30 289.86 67 473.45 47 241.26 300.37 68 487.80 48 250.48 311.10 69 502.38 49 259.97 322.02 70 517.21 50 269.72 333.11 71 532.24 51 279.72 344.37 72 547.46 52 289.97 355.77 73 562.84 53 300.46 367.30 74 578.38 54 311.19 378.96 75 594.08 55 322.17 390.74 76 609.92 56 333.38 402.63 77 625.91 57 344.82 414.63 78 642.04 58 356.49 426.75 79 658.32 59 368.40 439.01 80 674.78 60 380.58 451.39

*UHL/UFFL agents do not give tax advice. Clients should consult their own personal advisors for tax, legal, or other advice.