Overview of a newly-released fixed indexed life insurance product released by Fidelity & Guaranty Life that links account values to growth in a gold index.

1. Fidelity & Guaranty Life Introduces
FG Life-Gold!
Fixed Indexed Universal Life Insurance
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2. Agenda
1. Why The Gold Strategy
2. Uses and Benefits of FIUL
3. Markets for FIUL
4. FG Life-Gold
5. Why Fidelity & Guaranty Life
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3. Uses and benefits of FIUL
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4. Uses and Benefits of FIUL
Wealth Transfer
(Income Tax Free Death Benefit)
Protection Accumulation
(Living Benefits) (Tax Deferred Cash Accumulation)
Income
(Tax Free Income)
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5. Benefits of FIUL
• Wealth Transfer
• Accumulation
• Income
• Protection
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6. Markets for FIUL
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7. Markets for FIUL
Some markets for FIUL are…
-Personal Market
- For increased cash value control and enhanced policy accumulation
potential, FIUL will allow people to manage the policy to meet changing
needs and market conditions
-Business Market
- FIUL provides strong cash values that may be accessed at retirement
or can be used for reserve or emergency funds for business purposes.
Well suited for key man, deferred compensation or executive bonus
plans
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FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 12-473

8. The Ideal Client Profile
When selling Fixed Indexed Universal Life it is important to understand who
fits the profile as an ideal client. The ideal client is someone who…
-Needs affordable death benefit protection with strong cash value
accumulation potential
-Wants built-in product flexibility to better accommodate changing financial
conditions
-Likes the opportunity for higher potential gains tied to index linked returns
-Doesn’t like the volatility and risks associated with index funds
-Wants downside protection in years of negative returns
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FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 12-473

9. Why the Gold Strategy
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10. Scarcity of Gold
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11. Value of the US Dollar
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12. ETF’s Gold Holdings
Source: LBMA, Thomson Reuters GFMS
Report published 3Q2011
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13. Gold the last 10 years
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14. Recap
Two reasons to use the gold option
1)Demand from emerging markets
2)Gold is an inflation hedge
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15. FG Life-Gold
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16. FG Life-Gold
(Formerly OMLife-Elite) (Formerly OMLife-Choice)
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17. Index Features:
FG Life-Gold
FG Life-Gold
Gold Option
S&P 500 Option
Interest Crediting Options*
Fixed Account Option
Any combination of all interest crediting options
Crediting Methodology Annual Point-to-Point Reset
Participation Rate 100% Guaranteed (in the indexing formula)
Cap Currently 13% on Gold/ 12% on S&P 500
Guaranteed Minimum
.25%
Interest Rate
Fixed Account Currently 4.5%
17 *Subject to state availability. Certain restrictions may apply.
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18. Product Features:
FG Life-Gold
FG Life-Gold
Minimum Face Amount $100,000
Issue Ages 0-85 (age last birthday)
Surrender Charge Period 15 years
Preferred Nontobacco, Standard Nontobacco, Preferred
Underwriting Classes Tobacco, Standard Tobacco
Surrender Charge Waiver on Excess Premium
Over Loan Protection
Key Features Primary Insured Level Term
(May not be available in all states)
Ultimate Protection Rider
Unique Living Benefit Riders
Variable Loan Option
• Max rate of 5.5%
Loan Options
Fixed Loan Option
(May not be available in all states)
• Years 1-10 – 2% net
• Years 10+ – 0% net cost
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19. Determining Maximum Illustrated Rates
Account IRR for the IRR for the
Allocation S&P 500 Gold
Dates Interest Interest
Crediting Crediting
Option Option
(12% cap) (13% cap)
Jan 15th 7.18% 10.14%
What was the look-back period used in
Feb 15 th
7.66% 11.34%
determining the maximum illustrated rates?
Fidelity & Guaranty Life used a 25 year look-back period Mar 15 th
7.50% 11.22%
for the S&P 500 option and a 10 year look-back period for Apr15th 7.45% 10.47%
the Gold Blend Option ending with the December 15,
May 15th 7.72% 10.16%
2011 account allocation anniversary.
Jun 15 th
7.60% 11.44%
Jul 15 th
7.56% 9.25%
Aug 15 th
7.47% 11.82%
Sep 15 th
7.73% 11.79%
Oct 15th 7.55% 12.62%
Nov 15 th
7.07% 10.95%
Dec 15th 7.18% 11.69%
Maximum 7.47% 11.07%
Illustrated
Rate
(Average
of 12
IRRs)
Past product performance does not guarantee future results .
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20. Current Illustrative Rates
Current Illustrative Interest Rates
• 11.07% on Gold Interest Crediting Option (100% Par/13% Cap)
• 7.47% on S&P 500 Interest Crediting Option (100% Par/12% Cap)
• 4.5% on Fixed Account Option
• Option to allocate among all interest crediting options
Minimum Guaranteed Interest Rate – .25%
• Provides upside gain in years of negative index returns
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21. Dare to Compare
FG Life-Gold:
In this hypothetical scenario we took a Male client with a minimum non-MEC face amount
assuming $12,000 premium paid per year paid until age 65, death benefit option B until age
65 then death benefit option A thereafter, maximum variable loans (variable loan rate
4.19%) age 66-100, $10,000, cash value at age 120.
100% Gold Option 50% Gold Option / 50% S&P Option
Cash
Initial Death Max Annual Cash Value at Max Annual
Scenario Value at
Benefit Policy Loan age 65 Policy Loan
Age 65
Age 55, PNT $183,543 $163,737 $35,103 $149,317 $26,249
Age 50, PNT $217,401 $352,885 $76,800 $305,886 $54,731
Age 45, PNT $260,550 $692,216 $151,350 $563,724 $101,609
Age 40, PNT $322,460 $1,288,811 $282,225 $980,752 $177,251
Past product performance does not guarantee future results .
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22. Living Benefits
• Accelerated Benefit for Critical Illness – Up to 100% of the death benefit of the insured
if the insured suffers a critical condition (heart attack, stroke, cancer etc)*
• Accelerated Benefit for Terminal Illness – Up to 100% of the death benefit if the
insured is diagnosed with a terminal illness and has an expected life expectancy of less than 24
months*
• Over Loan Protection Rider – Prevents the life insurance contract from lapsing as a result
of outstanding loans
• Waiver of Monthly Deduction Rider – Keeps policy in force by waiving the monthly
charges should the insured become totally disabled for longer than 6 months
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FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. *Not to exceed $500,000 12-473

23. Recap
The FG Life-Gold Advantage!
• Gold crediting option
• Living benefit riders
• Maximum guaranteed variable loan rate of 5.5%
• A .25% minimum guaranteed interest rate in down years
• Competitive target premiums
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24. Why Fidelity & Guaranty Life
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25. Fidelity & Guaranty Life Advantage
Did You Know That … Fidelity & Guaranty Life:
• Has 2 of the top selling Fixed Indexed Universal Life products in the marketplace
with FG Life-Choice, FG Life-Elite, and NOW the FG Life-Gold!!
• Has an average underwriting time service of 7-10 days on In Good Order life
applications!!
• Has a dedicated Case Management Unit that works directly with producers to help
get cases through the system!!
• Has a Platinum Life Case Unit to handle large premium cases and very competitive
Foreign National Underwriting Guidelines!!
• Pays commissions weekly and will advance up to $3,500 per case on approved
producers!!
• $80,000 of life tap to qualify for Power Agent Program!!
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26. Power Agent
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27. Power Agent
Year Qualification Credit
Level Amount
2009 $120,000 $2,000
2010 $120,000 $2,000
2011 $90,000 $2,000
2012 $80,000 TBD*
*2012 amount to be determined in 2013
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FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC.
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28. The POWER of Compounding
Power Agent Program
Qualifying Qualifying Qualifying
Year 1 Year 2 Year 3
2009 2010 2011
2011 $2,000
2010 $2,000 $2,000
2009 $2,000 $2,000 $2,000
Total $2,000 $4,000 $6,000
Total Contribution = $12,000
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FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC.
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29. Timeline
- September 26, 2012
- National IMO Call
- Kits Mailed To Key IMO’s and Power Agents
- Gold Teaser Video pt. 2 (pt. 1 launched last Friday)
- Social Media Campaign Begins
- September 28, 2012
- Market Materials Available On Saleslink
- Launch Date Announcement on Producersweb.com and Email Blast
- September 29, 2012
- Illustration Software Update Available
- October 2, 2012
- Product Launches
- October 2, 2012
- Go For The Gold Promotion Begins
- TBD - IMO/Agent Training Webinars
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30. Contact Information
Thank You – if you have any questions please contact either
Dennis Sudac: Dennis.Sudac@fglife.com; 214-783-3914
Or
Ryan Parker: Ryan.Parker@fglife.com; 410-895-0122
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FOR PRODUCER USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 12-473

31. Disclosures
Policies issued by Fidelity & Guaranty Life Insurance Company, Baltimore, MD.
Subject to state availability. Certain restrictions may apply.
Fidelity & Guaranty Life is the marketing name for Fidelity & Guaranty Life Insurance Company in all states except New York and, in New York only, Fidelity & Guaranty Life Insurance Company of New York. Fidelity &
Guaranty Life Insurance Company, incorporated in 1959, and Fidelity & Guaranty Life Insurance Company of New York, incorporated in 1962, have a solid commitment to serving the individuals Fidelity & Guaranty Life
knows best – middle market consumers seeking the safety, protection, accumulation and income features of secure life insurance and annuity products. Fidelity & Guaranty Life will continue to offer its series of focused
life insurance and annuity products through its network of independent marketing organizations
Fidelity & Guaranty Life Insurance Company is a life insurance company organized under the laws of the State of Maryland. Fidelity & Guaranty Life Insurance Company is licensed in the District of Columbia and all states
of the United States except New York. Fidelity & Guaranty Life Insurance Company of New York, a wholly-owned subsidiary of Fidelity & Guaranty Life Insurance Company, is a life insurance company organized under the
laws of the State of New York and is licensed only in New York. Fidelity & Guaranty Life is not authorized to transact business outside of the United States, and this web site is not intended as a solicitation in any
jurisdiction in which Fidelity & Guaranty Life is not respectively authorized to transact business. Each Fidelity & Guaranty Life company is solely responsible for its product guarantees and commitments.
Optional provisions and riders may have limitations, restrictions and additional charges.
This document is not a legal contract. For the exact terms and conditions, please refer to the life insurance policy.
Information provided regarding tax or estate planning should not be considered tax or legal advice. Clients should consult own tax professional or attorney regarding their unique situation.
“S&P® ” is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Fidelity & Guaranty Life Insurance Company. Standard & Poor’s does not sponsor, endorse, promote, or make any
representation regarding the advisability of purchasing the contract.
Indexed interest rates are subject to a cap. Caps are subject to change at the discretion of Fidelity & Guaranty Life Insurance Company.
Issuance of the life insurance policy depends on answers to health questions in the application.
Surrender charges may apply to partial and full surrenders. Surrenders may be taxable and may be subject to penalties prior to age 59½.
Surrenders and loans will reduce available death benefit. Surrenders beyond basis may be taxable income. Excessive and unpaid loans will reduce policy value and may cause the policy to lapse.
The Power Agent Program is a deferred bonus compensation plan for eligible appointed agents of Fidelity & Guaranty Life Insurance Company. Terms are stated in the Power Agent plan document, which Fidelity &
Guaranty Life may amend, limit or terminate at any time.
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