PLAN OF INSURANCE

APPLICATIONS

ISSUE AGE

MINIMUMS

L=AGE LAST     N=AGE NEAREST

RIDERS

Advantage Plus

9485

0-70 NT/16-70 STD

$10,000 or $25 mon, whichever  is greater

L

Riders

Classic Solution

9665

45-70

net amt at risk $150,000       min $5,000

L

71-80

net amt at risk $100,000        min $5,000

81-85

net amt at risk $50,000         min $5,000

Easy UL

9818

0 - 85

0-49 $25,000/50-85 $10,000

N

Riders

EZ Term 10 Yr

9702

18-70

$25,000 or $15 mon, whichever     is greater

N

Riders

EZ Term 20 Yr

9702

18-65

$25,000 or $15 mon, whichever    is greater

N

Riders

EZ Term 30 Yr

9702

18-55

$25,000 or $15 mon, whichever    is greater

N

Riders

EZ Term 20 Yr w/ROP

9702

18-65

$25,000 or $15 mon, whichever    is greater

N

Riders

EZ Term 30 Yr w/ROP

9702

18-55

$25,000 or $15 mon, whichever    is greater

N

Riders

Financial Lifeline I

9485

0-17

min$25mo base

L

Riders

Financial Lifeline I

9580

18-65

min$25mo base

L

Riders

Financial Lifeline II

9580

18-65

min$25mo base

L

Riders

Financial Lifeline III

9580

18-65

min$25mo base

L

Riders

Flex Life Plus

9362

0-75 STD/20-75 NS

$25,000

N

Riders

Golden Guarantee

9720

40-85 NC, NJ, MD, SC

min$2,000

N

Golden Solution - GRD

9466

50-85

min $2,500/max $15,000

L

Riders

Golden Solution - Immediate

9466

50-75               76-85

min $2,500/max $25,000       min $2,500/max $15,000

L

Riders

Golden Solution - ROP

9466

50-85

min$2,500/max$15,000

L

GS Family Plan           Ages 0 - 49

9617             9362

0-49

min $2,500 < $35,000 of cov min $2,500 > $35,000 of cov

L

Riders

Guaranteed Guardian

9362

0-75

$3wk or $13mo

N

Riders

Independence Builder Annuity

9497

0-85

Min annual prem $5000

Independence Builder Annuity

9497

0-85

Min prem $10mo/$5bi-wk

Independence Builder Annuity

9497

0-85

Min annual prem $1000

Lifestyle Freedom

9485

0-65 NT/18-65 STD

$5.00 wk or $20,000 face whichever is greater

N

Riders

Ultimate Freedom

9485

0-60 NT/18-60 STD

$20,000 or $5 wk, whichever is greater

N

Riders

PLAN OF INSURANCE

COVERAGE DESCRIPTION

FUNDS

Advantage Plus

10yr modified prem term

FPDAR

Lifestyle Freedom

20yrlt or to age 70 with CIR

IND BLDR RDR

EZ Term 10 Yr

Term to age 95 w/10 year level premium period

EZ Term 20 Yr

Term to age 95 w/20 year level premium period

EZ Term 30 Yr

Term to age 95 w/30 year level premium period

EZ Term 20 Yr w/ROP

Term to age 95 w/20 year level premium period w/ return of premium at end of term period

EZ Term 30 Yr w/ROP

Term to age 95 w/30 year level premium period w/ return of premium at end of term period

Family Solution

Whole life - 100% face amt pd immediately - Issue Ages 0-49

Financial Lifeline

Modified whole life death benefit reduces by 50% @ age 65 or after 5 yr

FPDAR,BonusMaster,Flex Annuity Plus

Financial Lifeline II

Sub-standard Modified whole life death benefit reduces by 50% @ age 65 or after 5 yr

FPDAR,BonusMaster,Flex Annuity Plus

Financial Lifeline III

Sub-standard Modified whole life death benefit reduces by 50% @ age 65 or after 5 yr

FPDAR,BonusMaster,Flex Annuity Plus

Flex Life Plus

Flexible Premium Universal Life

IND BLDR RDR

Golden Solution - Immediate

Whole life - Final Expense Market - 100% face amt pd immediately

Golden Solution - GRD

Whole life - Final Expense Market - 30% yr 1; 70% yr2; 100% yr 3

Golden Solution - ROP

Whole life - Final Expense Market - ROP plus 10% int 1st 3 yrs  under age 65, 2 yrs over age 65

Guaranteed Guardian

Whole Life - Payroll Deduct

IND BLDR RDR

Independence Builder Annuity

Single Premium Deferred Annuity

Independence Builder Annuity

Flexible Premium Deferred Annuity

Independence Builder Annuity

Flexible Premium Deferred Annuity Rider

Ultimate Freedom

10 YLT with CIR

IND BLDR RDR

IND BLDR RDR=Flexible Premium Annuity Rider

FPDAR=Flexible Premium Deferred Annuity Rider