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Freedom agent guide Forethought FreedomSM Issued by Forethought Life Insurance Company Agent Guide M - FOR AGENT USE ONLY ?? NOT FOR USE WITH CONSUMERS ? Forethought M - FOR AGENT USE ONLY ?? NOT FOR USE WITH CONSUMERS ? Forethought Table of Contents The

Forethought FreedomSM Issued by Forethought Life Insurance Company Agent Guide M - FOR AGENT USE ONLY ?? NOT FOR USE WITH CONSUMERS ? Forethought M - FOR AGENT USE ONLY ?? NOT FOR USE WITH CONSUMERS ? Forethought Table of Contents The Forethought FreedomSM Advantages Forethought FreedomSM Market Forethought FreedomSM Product Agent Responsibilities Application Process Completing the Application Forethought Contact Information M - FOR AGENT USE ONLY ?? NOT FOR USE WITH CONSUMERS ? Forethought M - Forethought FreedomSM Advantages With Forethought Life Insurance Company ??Forethought ? you can be con ?dent your client ? s security comes ?rst We ? ve been providing ?nal expense products for over a quarter century Forethought Life Insurance Company is a stable and secure ?nancial institution and is consistently rated A- ??Excellent ? by AM Best As our valued partner we want to provide you the necessary tools to positively impact the lives of the families and communities you serve The following guide was created to make the Forethought FreedomSM application and underwriting interview process as easy as possible for you and your client Why Forethought FreedomSM ? Simpli ?ed-issue whole life product ? Comprehensive Underwriting Medical Conditions Guide ? Medication Listing ? Online ?llable applications available in all states ? Supplemental Bene ?ts at no additional cost ?? Accelerated Death Bene ?t ?? Accidental Death Bene ?t ?? Grandchildren ? s Bene ?t ? Forethought UniversitySM Training CE Opportunities ?? Access to both live and recorded webinars ?? Online continuing education through www successce com ? Access to Online Reporting at www forethought com ? Point-of-sale interviews with decisions rendered in less than minutes ? Product available in states and the District of Columbia ? Low competitive premiums ? Commissionable policy fee and commission advance for quali ?ed agents ? No commission reduction for Graded or Return of Premium death bene ?t Product not available in NY or WA All underwriting classes and supplemental bene ?ts not available in all states ? Forethought FOR AGENT USE ONLY ?? NOT FOR USE WITH CONSUMERS Forethought FreedomSM Market Forethought FreedomSM is a great choice for your client ? s ?nal expense needs Low premiums easy to understand policy language and a simple underwriting process combine to make this a prime product for the following The Silent Generation ? Approximately million people ? Born from ?? ? Average median income of ? Modest and conservative ? Seeking protection for their family The Baby Boomer Generation ? Approximately million people ? Born from ?? ? Average median income ? R epresenting trillion in annual spending power ? Preparing for their retirement years M - FOR AGENT USE ONLY ?? NOT FOR USE WITH CONSUMERS ? Forethought Forethought FreedomSM Product Forethought FreedomSM is a whole life insurance product designed to help your client cover the costs associated with end-of-life expenses These include funeral expenses medical bills and other obligations that may occur when the client passes away In addition to being a simpli ?ed-issue product Forethought FreedomSM