Compelling Reason Why Permanent Insurance is Still the Best

1. Term & Permanent Insurance Plans 1

2. Term & Whole Life Comparison Face Amount: $100,000 Age 35 Ultra Preferred Non-Smoker Annual Renewable Term Initial Premium: $93 Ultimate Premium Age 80: $16,362 Cumulative Total Premium Age 80:-$168,614 Initial Face Amount:$100,000 Ultimate Face Amount Age 80: $100,000 Whole Life Annual Level Premium: $1,148 Total Premium Age 80:$51,660 Total Cash Value Age 80: $205,554* Cost/Profit:+$153,894* Total Premium Age 100:$74,620 Total Cash Value Age 100: $589,169* Cost/Profit:+$514,549* Initial Face Amount: $100,000 Ultimate Face Amount Age 80 : $272,949* Ultimate Face Amount Age 100: $589,169* * Includes non-guaranteed dividends 2

3. Annual Renewable Term Face Amount: $100,000 Age 35 Ultra Preferred Non-Smoker Annual Renewable Term to Age 80 Initial Premium: $93 Ultimate Premium Age 80: $16,362 Cumulative Total Premium Age 80:-$168,614 Age 80 $18,000 Whole Life Annual Level Premium: $1,148 Total Premium Age 80:$51,660 Total Cash Value Age 80: $205,554* Cost/Profit:+$153,894* Total Premium Age 100:$74,620 Total Cash Value Age 100: $589,169* Cost/Profit:+$514,549* $16,000 $14,000 $12,000 $10,000 $8,000 $6,000 Age 100 $4,000 $2,000 $0 Year 1 4 7 10 13 16 19 22 25 28 31 34 37 40 43 Term Coverage Terminates Age 35 80 100 * Includes non-guaranteed dividends 3

4. Annual Level Premium: $1,148 Total Premium Age 80:$51,660 Total Cash Value Age 80: $205,554* Cost/Profit:+$153,894* Total Premium Age 100:$74,620 Total Cash Value Age 100: $589,169* Cost/Profit:+$514,549* Initial Face Amount: $100,000 Face Amount Age 80 : $272,949* Face Amount Age 100: $589,169* $600,000 $500,000 $400,000 $300,000 $200,000 $100,000 $0 1 5 9 13 17 21 25 29 33 37 41 45 49 53 57 61 65 Net Death Benefit* Net Cash Value* Cumulative Premium Whole Life Face Amount: $100,000 Age 35 Ultra Preferred Non-Smoker Age 100 4

5. Term & Whole Life Comparison FOR RENT SOLD RENT OWN 5

6. AGE Term Insurance Cost Study (Male Age 40, Face Amount: $1,000,000 Select Preferred Class) AGE EXPIRED EXPIRED 6

7. Whole Life 100with Life Insurance Supplement Rider Crossover Point LISR Initial Death Benefit Whole Life Issue Age Age 100 Age 121 Premium Paying Years Protection Years 7

8. Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

9. Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

10. Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

11. Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

12. Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

13. Some Compelling ReasonsWhy Permanent Life Insuranceis Still the Best Way to Go

14. Human Interest StoryThe Hindenburg Zeppelin & Term Insurance

15. SynergiaBusiness Presentations Joaquin “Duke” G. Wilwayco8301 Ephraim Road, Austin, TX 78717Phone: (512) 799-2999 Fax: (512) 671-6377Email: dgwilwayco@aol.com