National Guardian LifeFinal Expense

Headquartered in Madison, Wisconsin Founded in 1910NGL is a Mutual Life Insurance CompanyAssets: 3.1 BillionNGL’s Ratings A- (Excellent) with A.M. Best BBBpi S&PAll figures are derived from consolidated GAAP results as of December 31, 2013.Ratings current as of 5-3-13.National Guardian Life Insurance Company is not affiliated with The Guardian LifeInsurance Company of America a.k.a. The Guardian or Guardian Life.

NGL AssetGuard

NGL AssetGuard HighlightsIssueages Single: 0-99 Multi: 0-90Paymentplans Single pay, 3, 5, 7 and 10 yearsSimplifiedunder- One health questionwritingSingle Pay 0-993 Year 0-905 Year 0-857 Year 0-8010 year 0-80

NGL AssetGuard HighlightsMaximum Single pay: 100,000face Multi-pay: 35,000amountIncreasing Single pay: 2.0% growth ratedeath Multi-pay: 2.0% growth ratebenefitROP Return of premiumSingle pay &StandardIssue Multipay:Immediate fulldeath benefitGuaranteed IssueMulti pay:Graded death benefitYear 1: ROP,plus 3%Year 2: 70%Years 3 : 100%

Credit Card Payment Option Accepted with no fee for: InitialMonthly Premium OngoingMonthly PremiumNote: Down payment or Single Pay require a 2% commission reduction.

It could NOT be easier to do!TWO pieces of paperand you are done!Application Funeral Expense Trust formorEstate Planning Trust form

Trust Assignments:NGL Estate Planning TrustNGL Funeral Expense Trust

The Real OpportunityNGL Insurance NGL Irrevocable Trust an Unbeatable Team*However, it is not necessary for Trust Application acceptance. **Trust limits may vary by state, due to individual state regulations.

Benefits of NGL Irrevocable Funeral TrustsEveryonequalifies fortrustassignmentProceeds avoidprobate costsand delaysTrusts areFREEProtection fromcreditorsBenefits areincome tax-freeFunds totallyportable(any FH provider)*Upon submission of all required claim documentation. **Death proceeds used for funeral expenses avoidprobate costs and delays.Plus, peaceof mind foryour clients!Funds availableimmediately*

How the Trusts WorkPre-PlanningFundsLifeInsurancePolicyDeath r PaidWithin 48 HoursExcess FundsPolicyClaim PaidPaid toAssigned toBeneficiary*Use money fromProtected funds earnFunds avoid probate costs andSavings, 1035tax-free interest untildelays; expenses coveredExchanges, etc. . . .time of needimmediately*Excess proceeds are paid to the estate of the Insured for the Funeral Expense Trust.

SavingsAnnuityNoNoNoNoYesDepends onDependsDepends onDependsYesStateon State State on StateLifeLife Insurance*YesInsuranceYesDependson on StateDepends onon l sNo NoNoNoNoYesYesYesYesNoNoFuneral HomeBenefits PaidNoSpend DownNoMedicaidBenefits PaidDirectly to anyFuneral HomeDirectly to AnyNoProtectedfrom MedicaidSpend DownProtected fromNoNoNoIncome TaxesNoNoProtected fromSavingsCDNoProtectedfrom IncomeTaxesCreditorsNoLawsuitsNoProtected fromCreditorsProtected fromCDProbateProtected fromLawsuitsProtected fromProtectedfrom ProbateProtected fromHow the Trusts thout a Funeral Trust. **Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorneyIn your state for assistance. The Estate Planning Trust is subject to a 5-year look-back period for Medicaid qualification.

NGL Irrevocable TrustsNGL EstatePlanning TrustNGL FuneralExpense Trust 15,000 maximum(or City/State limit, if less) 100,000 maximum(or state limit, if less) The ability to help exclude assets inorder to qualify for Medicaid andSSI* when applying immediately The ability to exclude assets inorder to qualify for Medicaid andSSI after 5-year look back The Trust will pay funeral costs withany excess funds going to the estateof the insured Funds used to pay funeralexpenses. Any excess fundsreturned to a designatedbeneficiary or the insured’s estate*Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorneyin your state for assistance. Check with local Medicaid office for most recent rules and updates to limits).

When to Use Each TrustNGL FuneralExpense Trust Crisis Planning Medicaid very possible within 5 years Client wants funeral expenses onlyand wants assurance that the fundsare protected now!NGL EstatePlanning Trust Medicaid is non-issue:oo Want to easily transfer limited amountof wealth:oo NowAt least 5 years or neverChildrenCharities 15K up to 100k face amountThis is the REAL opportunity!*Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorney in your state for assistance.

The NGL Irrevocable Trust and Your Portfolio Cross-selling opportunity! New product same clients

Why Sell this Product?ClientBenefitsAgentBenefits Trusts are Free! Funds totally portable Provides peace of mindNGL Strength &Stability Every one of your clientsneeds this It’s Easy! Excellent Income OpportunityBacked by over 100 yearold A- (Excellent) ratedmutual ins.Over 3 billion in assetsIf you don’t someone else will!A- (Excellent) rating from A.M. Best, current as of 05/30/14.Financials current as of 12/31/13.

Guaranteed Issue Whole Life:Product Overview

Product ver timePermanentWHOLElife

Product DetailsAvailable forages 40-80Credit anddebit cardsacceptedFaceamountsfrom 2,500 25,000Easy to complete ONE page application!*For questions about commissions, please contact your marketing organization.Greatcommissions*

Client ProfileInterested in low premiumsMay have health issuesMay be a smokerMay have been declined by otherinsurance companies

StandardNGL GuaranteedIssue Whole LifeApplication FormICC14-4000-I (02/14)One page application –that’s EASY to complete!

Trust Assignment:NGL Estate Planning Trust

NGL Estate Planning TrustAssignment Form (#2591-EPT)John E. Smith Excess proceeds are paid to theMary K. SmithJohn E. Smith, Jr.beneficiary named on the form Policyholder must sign. If Power of Attorney (POA),include POA paperwork.Owner SignatureDate

Submitting ApplicationsPlease submit all NGL applications to NAA

Policy Issuance Faxed applications for new policies beginprocessing immediately.* In most cases, applications are issued thenext business day!*Upon receipt of all necessary paperwork.

The NGL Difference

Our People are Our StrengthAccess to our Agent Support Teamafter you are appointed! Questions about paperworkAssistance calculating premiumsHelp with reports on-lineJust a phone call awayAvailable: 7am-7pm (Mon. – Thurs) CST7am-5pm (Fri.) CST

NGL: Serious About ServiceQuick New Business Processing Policies Issued: Same Day:91.0% Within 24 hours:92.8% Within 48 Hours (Goal):94.6%All figures taken from 2013 average statistics.

Value-Added Benefits

NGL Agent Website: MyNGLICSample view of theMyNGLIC homepageExpanded view ofnavigation

Additional Training Resources NGL Rate Calculators How to Use MyNGLIC (Agent website) How to Order Supplies How to Use NGL ReportLink

NGL’s Rate Rate CalculatorDesktop CalculatorMobile Rate CalculatorProduct Rate SheetAgent Support is always available to assist!

Questions? Concerns?Call NGL Agent Support:800-988-0826 (Option 1)Mon – Thurs: 7am – 7pm CST, Fri: 7-5pm CST

2014 National Guardian Life Insurance Company, Madison, WI.GIWL-BS 04-14 For agent use only.Insurance coverage provided by National Guardian Life Insurance Company. National Guardian Life InsuranceCompany is not affiliated with the Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life.