801 Grand Ave

Des Moines, IA 50309

F&G Gold®

Life Insurance
Illustration
F&G Gold® is a Flexible Premium Adjustable Death Benefit
Universal Life Insurance Policy with Index-Linked Interest

Wealth Transfer

Cash Value Accumulation

Living Benefits

Supplemental Riders

Prepared on May 8, 2025 for: New Client

Presented by: kristen pena

3757 vinyard way, lawrenceville, GA 30044 ∙ 4049038476

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 1 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Narrative Summary
F&G Gold
This illustration is provided to help you understand the life insurance policy. This illustration is based on information that you
provided and on certain assumptions, some of which are not guaranteed. This illustration assumes that the currently
illustrated Non-Guaranteed Elements will continue unchanged for all years shown. This is not likely to occur, and actual
results may be more or less favorable than those shown.

The F&G Gold is a Flexible Premium Adjustable Life Insurance policy. This Individual Life Insurance policy will provide a
Death Benefit if the insured dies while the policy is in force. The actual amount payable in the event of death will be
decreased by any indebtedness to the Company. Premium payments are flexible and the owner may change the amount
and frequency of premium payments.
This illustration, or any other illustration, is not considered a proper written request for policy changes, termination of
benefits or election of options to purchase additional insurance.
Monthly No-Lapse Premium
Monthly No-Lapse Premium is the minimum premium required during the No-Lapse Period to keep your policy in effect. The
Monthly No-Lapse Premium for the policy illustrated is $184.00. The Monthly No-Lapse Premium may change depending
on changes to your policy or riders. If the sum of the premium, less loans and withdrawals, equals or exceeds the sum of
all Monthly No-Lapse Premiums beginning with the policy date, your policy will not enter the grace period for the duration
shown. At the end of the No-Lapse Period, the guaranteed Policy Values may be insufficient to keep the policy in effect
unless additional premium is paid. If you pay the Monthly No-Lapse Premium, the guarantee period is to Age 54.

No-Lapse Period
No-Lapse Period is the period during which the policy will not terminate for insufficient surrender value if certain conditions
are met. The No-Lapse Period to keep your policy in effect is to Age 54.

Guideline Premium Limitation

The Guideline Premium Limitation is the maximum premium allowed by the Internal Revenue Code. The Guideline
Premium Limitation is the greater of the Guideline Single Premium or the sum of the annual Guideline Level Premiums as of
the date of the calculation. The Guideline Level Premium for this illustration is $20,579.67. The Guideline Single Premium
for this illustration is $100,113.17.

Target Premium for this illustration is $4,412.00.

7-Pay Premium for this illustration is $26,441.94.

Death Benefit
This life insurance policy initially provides a Death Benefit as described in the policy. The initial Death Benefit provided is
assumed to be $400,000. The actual amount payable at death may be decreased by policy withdrawals or
outstanding loans, or increased by additional insurance benefits purchased. In addition, you may change Death
Benefit Options at any time after the first policy year.
Death Benefit Options
Option A: The Death Benefit is the greater of the Face Amount or the Account Value multiplied by the Death Benefit ratio.
Option B: The Death Benefit is the greater of the Face Amount plus the Account Value or the Account Value multiplied by
the Death Benefit ratio.
This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 2 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Face Amount
The initial Face Amount is the amount on which the Death Benefit is determined. The owner may increase the Face
Amount after the first policy anniversary. An increase requires proof of insurability and must be requested prior to the
insured's Age 81. Face Amount decreases are allowed after the third policy year .

Monthly Deductions
Each Monthly Deduction consists of the monthly Cost of Insurance, the Expense Charges, any charges for additional
benefits provided by riders and any charges for substandard premium Class rating.
Partial Withdrawals
The owner may make partial withdrawals after the first policy year up to the available withdrawal amount. There is a $25
withdrawal fee for each withdrawal. The minimum withdrawal amount is $500.
Future Policy Changes
Please note: Policy illustrations may be designed to show changes to your policy in the future. This could include the
changing or stopping of premium payments, a change in the death benefit option or the use of policy loans. Generally, future
policy changes are not automatically made by the company and require a specific request from the policyowner, unless
otherwise specified in your policy pages. Future changes displayed in an illustrations are intended to show how you may
consider utilizing the policy, however for most policy design features, these changes will not occur without your request in
order to allow you to have flexibility to use the policy to meet your changing needs. Please consult your licensed F&G
insurance agent for additional guidance.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 3 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Definitions of Illustration Column Headings and Key Terms

Age Age represents the owner's Age at the end of the Contract Year.
Contract Year Year is measured from the date of issue.
Planned The Planned Premium Outlay is the amount of premium which is planned to be paid during
Premium Outlay the lifetime of this policy. The first year Planned Premium Outlay is $4,412.00. The amount,
timing and frequency of premium payments may be varied, subject to the Guideline
Premium Limitation, as determined by the Internal Revenue Code and Regulations. This
illustration assumes that all payments are made as planned. The amount, timing and
frequency of premium payments will affect the Account Value and length of coverage.

Withdrawals / This is the amount borrowed or withdrawn from the policy at the beginning of the Contract
Loans Year.
Account Value The Account Value is the amount of value, in this insurance policy, before the deduction of
Surrender Charges, if applicable.
Surrender Value The Surrender Value is equal to the Account Value less any unpaid loans and loan interest;
less any surrender charge.
Net Death The Net Death Benefit is the amount payable under the Death Benefit Option in effect plus
Benefit any additional benefit provided by riders; less any unpaid loans and loan interest; less any
amount required to cover the monthly deductions through the month in which the death
occurred, unless that monthly deduction was waived by a rider.
Guaranteed The values that would result assuming guaranteed interest rates, guaranteed Expense
Assumptions Charges and guaranteed Cost of Insurance rates.
Guaranteed The benefits, values, credits and charges that are guaranteed at issue.
Elements
Mid-Point The values that would result assuming interest rates, Expense Charges and Cost of
Assumptions Insurance rates that are the average of the current and guaranteed rates. These
assumptions are not guaranteed.
Current The values that would result assuming current interest rates, current Expense Charges and
Assumptions current Cost of Insurance rates. These assumptions are not guaranteed.
Non-Guaranteed The values that would be generated using current, specified or midpoint assumptions.
Assumptions These assumptions are not guaranteed.

Non-Guaranteed The premiums, benefits, values, credits or charges (Non-Guaranteed Cost of Insurance
Elements rates, Expense Charges, Premium) under the illustrated policy that are not guaranteed or
cannot be determined at issue. Expense Charges and current interest rates are subject to
change by the Company. Actual results may be more or less favorable.
Expense Charge An Expense Charge that will be deducted from the Account Value each month.
Benchmark Index As described in Actuarial Guideline 49.A section D, the Benchmark Index Account is based
Account on the S&P 500® Index with a defined cap, a floor of 0% and a 100% participation rate.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 4 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Bonus A non-guaranteed Bonus, if available, may result in additional interest being credited to the
policy's account value. Bonuses may be associated with policy persistency, specific index
crediting options, or riders that may be available.
Cost of The amount the Company charges for providing life insurance coverage under the base
Insurance policy. The Cost of Insurance rates may be changed by the Company, subject to the
guaranteed Cost of Insurance rates as stated in your policy. Any change in the Cost of
Insurance rates will be on a uniform basis for insureds of the same Class.
Class The risk Class of the proposed insured used in preparing this illustration. The actual Class
will be determined when the application is underwritten and may vary from the illustrated
Class. If so, a revised illustration will be delivered with the policy.
CAP Rate The CAP Rate represents the maximum percentage increase that may be credited to the
index Account Value segment. The CAP Rate is declared in advance and is guaranteed for
each segment for 12 months from the segment's buy date.
Spread This rate is subtracted from any positive index percentage change prior to applying the PAR
rate and CAP rate.
PAR The Participation rate which is the maximum percentage of the annual increase in the index
that will be credited.
Premium A percentage of each premium payment that is deducted from the premium payment
Expense Charge resulting in the Net Premium.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 5 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Numeric Summary
Guaranteed Non-Guaranteed Assumptions
Assumptions Alternate Midpoint Current
Net Net Net Net
Premium Surrender Death Surrender Death Surrender Death Surrender Death
Year Outlay Value Benefit Value Benefit Value Benefit Value Benefit
5 4,412 3,055 410,688 7,399 415,032 5,436 413,069 8,095 415,727
10 4,412 13,935 420,729 25,344 432,139 20,570 427,365 29,015 435,810
20 4,412 36,290 436,290 86,029 486,029 64,381 464,381 109,375 509,375
Age 70 4,412 32,658 432,658 156,842 556,842 99,086 499,086 246,118 646,118
Based on Guaranteed Assumptions, the illustration terminates in year: 38
Based on Alternate Assumptions, the illustration terminates in year: 50
Based on Midpoint Assumptions, the illustration terminates in year: 45
Based on Current Assumptions, the illustration terminates in year: 65
The Guaranteed columns show values and benefits assuming minimum guaranteed interest of 0.25% and the maximum
guaranteed Cost of Insurance rates and Expense Charges.

The Alternate columns show values assuming an interest rate of 4.50%, and that current charges will remain in effect
throughout the life of the policy. The Midpoint columns show values assuming an interest rate of 3.49%, which is midway
between the guaranteed and current rate, and uses an average of the current and guaranteed charges. The Current
columns show values and benefits assuming current interest of 6.72%, applicable bonus interest and that current charges
will remain in effect throughout the life of the policy.

Signature Statement
This illustration assumes that the currently illustrated Non-Guaranteed Elements will continue unchanged for all years
shown. This is not likely to occur, and actual results may be more or less favorable than those shown. The benefits and
values are not guaranteed. The assumptions on which they are based are subject to change by F&G Annuities & Life
Company.

I have read the summary and understand: (1) the description of the F&G Gold, a fixed indexed universal life insurance
product; (2) that I am applying for a fixed indexed life insurance product whose values may be affected by an external
index, but does not participate in any stock, bond, or equity investments; (3) that neither F&G Annuities & Life Company
nor my agent has made any guarantees or promises regarding future index values, index changes, index credits, or
interest rate for this insurance product.

I have received a copy of this illustration, and understand that any Non-Guaranteed Elements illustrated are subject to
change and could be higher or lower. The agent has told me that they are not guaranteed.

___________________________________________________ ________________
Owner Date

I certify that this illustration has been presented to the applicant and that I have explained that any Non-Guaranteed
Elements illustrated are subject to change. I have made no statements that are inconsistent with the illustration.

___________________________________________________ ________________
Authorized Company Representative Date

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 6 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Interest Crediting Options

Minimum Maximum Current Maximum
Lookback Lookback Cap/Spread Illustrated
Interest Crediting Options
Allocation Average Average Rate Rate 25%
25%

Morgan Stanley US Equity Allocator Annual PtP w/ 25% 5.50% 15.18% N/A 6.96%
105% PAR
Blackrock Market Advantage™ Annual PtP w/ 25% 5.14% 15.11% N/A 6.67%
180% PAR

Gold Price Option 25% 3.81% 8.79% 16.00% 6.36%

Barclays Trailblazer Sectors 5 PtP w/ Spread And

200% PAR 0% 6.40% 17.38% 0.00% 6.13% 25%
25%

S&P 500® Fixed Index Account 25% 4.84% 8.76% 11.50% 6.88%

DJ US Real Estate Daily Risk Control 10% USD

0% 2.43% 15.86% 3.25% 5.67%
Total Return Index

Fixed Rate 0% N/A N/A N/A 4.50%

The current values in this illustration assume an overall crediting rate of 6.72% which is the weighted average of the assumed
rates for each Account. The maximum illustrated rate for each Indexed Crediting Option is the supplemental option budget plus
the lesser of the 1) the average lookback rate of the Benchmark Index Account using all of the 25 year rolling periods over the
last 65 years of the S&P 500® index using a defined cap rate, a 0.00% floor and a 100% participation rate, and 2) 145% of
F&G's portfolio rate less investment expense and default risk. The minimum, average and maximum lookback rates of the
Benchmark Index Account are shown below.

Benchmark Index Account Minimum Lookback Rate 4.35%

Benchmark Index Account Average Lookback Rate 6.32%
Benchmark Index Account Maximum Lookback Rate 7.80%

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 7 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

To help demonstrate how the performance of an Index and the components for an Index Crediting Option
impact the account value’s growth rate, this example shows how different index segments would have
performed given the current Index assumptions from the Interest Crediting Options table on the previous
page

Dow Jones Dow Jones Barclays Annual Morgan Morgan Stanley Blackrock
U.S. Annual Point to Barclays Point to Point Stanley US Equity Blackrock Market
Real Estate Point 100% PAR Trailblazer with 0.00% US Equity Allocator Annual Market Advantage
End Of Daily Risk with 3.25% Sectors 5 Spread and Allocator Point to Point Advantage Annual Point to
Year Control Spread Index 200% PAR Index with 105% PAR Index Point 180% PAR

2005 7.82% 4.57% 0.18% 0.36% 0.33% 0.34% N/A N/A

2006 26.50% 23.25% 4.39% 8.79% 2.76% 2.90% N/A N/A
2007 -4.25% 0.25% -0.51% 0.25% -0.50% 0.25% N/A N/A
2008 -2.53% 0.25% -5.60% 0.25% -19.39% 0.25% N/A N/A
2009 11.04% 7.79% 2.66% 5.33% 21.86% 22.95% 4.98% 8.97%
2010 10.25% 7.00% 7.42% 14.84% 14.82% 15.56% 9.33% 16.79%
2011 2.18% 0.25% 10.28% 20.57% -6.73% 0.25% 12.81% 23.05%
2012 8.16% 4.91% 9.01% 18.02% 12.19% 12.80% 11.91% 21.44%
2013 4.50% 1.25% 6.02% 12.05% 21.16% 22.22% -3.18% 0.25%
2014 20.91% 17.66% 14.31% 28.62% 14.00% 14.70% 9.29% 16.73%
2015 0.81% 0.25% -3.97% 0.25% -4.25% 0.25% -3.35% 0.25%
2016 2.35% 0.25% 7.06% 14.12% 8.13% 8.53% 4.21% 7.58%
2017 11.79% 8.54% 12.30% 24.60% 30.63% 32.16% 13.88% 24.98%
2018 -4.34% 0.25% -7.53% 0.25% -0.93% 0.25% -7.36% 0.25%
2019 13.00% 9.75% 15.78% 31.57% 21.69% 22.77% 15.92% 28.66%
2020 1.73% 0.25% -0.11% 0.25% 19.62% 20.60% 3.90% 7.02%
2021 20.51% 17.26% 3.09% 6.19% 16.25% 17.07% 3.31% 5.96%
2022 -9.72% 0.25% -7.03% 0.25% -17.70% 0.25% -12.96% 0.25%
2023 3.62% 0.37% -2.38% 0.25% 19.15% 20.11% -1.37% 0.25%
2024 9.05% 5.80% -0.47% 0.25% 11.13% 11.69% -0.20% 0.25%
Geometri
6.30% 5.30% 3.03% 8.89% 7.35% 10.85% 3.51% 9.73%
c
Average
The Geometric Average is based on index changes from December 15th of each year and applying any current Cap, Par, Spread, and Bonus for
each index.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 8 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

To help demonstrate how the performance of an Index and the components for an Index Crediting Option
impact the account value’s growth rate, this example shows how different index segments would have
performed given the current Index assumptions from the Interest Crediting Options table on the previous
page

S&P 500® Gold Price

Annual Point Annual Point to
to Point Point 100%
End Of S&P 500® 100% PAR Gold PAR with
Year Index with 11.50% Price 16.00% CAP

2005 5.41% 5.41% 15.32% 15.32%

2006 12.29% 11.50% 23.21% 16.00%
2007 1.32% 1.32% 26.77% 16.00%
2008 -39.93% 0.25% 4.46% 4.46%
2009 27.56% 11.50% 35.84% 16.00%
2010 11.49% 11.49% 23.77% 16.00%
2011 -1.58% 0.25% 13.34% 13.34%
2012 17.65% 11.50% 7.74% 7.74%
2013 24.90% 11.50% -27.19% 0.25%
2014 11.37% 11.37% -2.07% 0.25%
2015 2.70% 2.70% -12.22% 0.25%
2016 10.70% 10.70% 6.17% 6.17%
2017 18.29% 11.50% 11.33% 11.33%
2018 -4.85% 0.25% -1.03% 0.25%
2019 25.35% 11.50% 19.03% 16.00%
2020 15.77% 11.50% 25.22% 16.00%
2021 27.48% 11.50% -4.43% 0.25%
2022 -17.29% 0.25% 0.84% 0.84%
2023 21.14% 11.50% 13.95% 13.95%
2024 28.71% 11.50% 30.60% 16.00%

Geometric
8.42% 7.84% 9.41% 9.11%
Average

The Geometric Average is based on index changes from December 15th of each year and applying any current Cap, Par, Spread, and Bonus for
each index.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 9 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Rider Description(s)
Over loan Protection Rider
This rider can prevent your life insurance policy from entering a lapse status as the result of outstanding loans that exceed your
Surrender Value. There is no Cost of Insurance charge for this rider. However, certain conditions must be met before the rider
can be exercised, and there is a one-time administrative fee when the rider is exercised. This rider may be exercised one time
during the lifetime of the life insurance contract to which it is attached.

Accelerated Benefit for Critical Illness Rider

This rider gives the policy owner access to 100% of the Death Benefit of the policy in which the rider is attached or $1,000,000,
whichever is less. The amount requested is called the Accelerated Amount. The amount paid, called the Accelerated Benefit is
less than the Accelerated Amount due to the amount being received before the death of the insured. The Accelerated Amount
is discounted to get a present value and future policy charges, a portion of the Loan Balance and a processing fee are
subtracted to determine the amount paid. The amount paid will vary based on the qualifying Covered Critical Illness and the
severity of the illness at time of claim. A higher severity will result in a higher Accelerated Benefit payment amount. There is no
Cost of Insurance charge for this rider. The Death Benefit, Surrender Value, any Loan Balance and Cost of Insurance charges
for the policy are reduced if you exercise this rider's benefit. The amount paid will never be less than the Surrender Value
associated with the Death Benefit that is requested to be accelerated. The accelerated benefit rider terminates when the policy
terminates, the benefit is paid or the owner request to have the rider cancelled. Sample calculations assume 100% of the policy
Death Benefit is accelerated up to the maximum. Certain conditions, as defined in the rider, must be met before the rider can be
exercised. This rider covers a heart attack, stroke, major organ transplant, paralysis, diagnosis of ALS (Amyotrophic Lateral
Sclerosis), arterial aneurysms, central nervous system tumors, significant burns, an end-stage renal failure diagnosis and
invasive cancer. For more information refer to the issued rider.

Accelerated Benefit for Terminal Illness Rider

This rider gives the policy owner access to 100% of the Death Benefit of the policy in which the rider is attached or $1,000,000,
whichever is less. The amount requested is called the Accelerated Amount. The amount paid, called the Accelerated Benefit is
less than the Accelerated Amount due to the amount being received before the death of the insured. The Accelerated Amount
is discounted with interest for 18 months and policy charges for next 18 months and a processing fee are subtracted to
determine the amount paid. To qualify, the insured must be diagnosed with a Terminal Illness such that a doctor certifies that
the insured is expected to live 12 months or less. There is no Cost of Insurance charge for this rider. The Death Benefit and
Cost of Insurance charges for the policy are reduced if you exercise this rider's benefit. The accelerated benefit rider terminates
when the policy terminates, the benefit is paid or the owner request to have the rider cancelled. Illustrated calculations assume
100% of the policy Death Benefit is accelerated up to the maximum. Certain conditions, as defined in the rider, must be met
before the rider can be exercised. For more information refer to the issued rider.

Accelerated Benefit for Chronic Illness Rider

You may accelerate up to 25% of the policy’s death benefit if certified by a licensed health care practitioner in the previous 12
months as having a qualifying chronic illness. This rider does not terminate after the initial acceleration. Subsequent annual
accelerations are available, upon continued qualification, until you have accelerated either 100% of the death benefit or the
lifetime maximum of $1,000,000. The amount paid upon acceleration will be subject to administrative fees, and your death
benefit will be reduced by the amount accelerated. For more information refer to the issued rider.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 10 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Tabular Detail
Guaranteed ¹ Non-Guaranteed ² Non-Guaranteed ²
Assumptions Assumptions - Alternate Assumptions - Current
0.25% EOY Interest 4.50% EOY Interest 6.72% EOY
Planned
Premium Withdrawals/ Account Surrender Net Death Account Surrender Net Death Account Surrender Net Death
Age Year Outlay Loans Value Value Benefit Value Value Benefit Value Value Benefit
40 1 4,412 0 2,198 0 402,198 2,834 0 402,834 2,834 0 402,834
41 2 4,412 0 4,370 0 404,370 5,744 0 405,744 5,807 0 405,807
42 3 4,412 0 6,511 0 406,511 8,745 759 408,745 8,939 953 408,939
43 4 4,412 0 8,617 808 408,617 11,841 4,032 411,841 12,244 4,435 412,244
44 5 4,412 0 10,688 3,055 410,688 15,032 7,399 415,032 15,727 8,095 415,727
45 6 4,412 0 12,740 5,284 412,740 18,305 10,849 418,305 19,382 11,926 419,382
46 7 4,412 0 14,774 7,450 414,774 21,644 14,320 421,644 23,201 15,877 423,201
47 8 4,412 0 16,785 9,638 416,785 25,058 17,910 425,058 27,201 20,054 427,201
48 9 4,412 0 18,773 11,802 418,773 28,551 21,580 428,551 31,396 24,425 431,396
49 10 4,412 0 20,729 13,935 420,729 32,139 25,344 432,139 35,810 29,015 435,810
44,120 0
50 11 4,412 0 22,651 16,033 422,651 36,922 30,304 436,922 41,567 34,949 441,567
51 12 4,412 0 24,526 18,878 424,526 41,846 36,198 441,846 47,640 41,992 447,640
52 13 4,412 0 26,328 22,005 426,328 46,895 42,572 446,895 54,029 49,705 454,029
53 14 4,412 0 28,039 25,216 428,039 52,062 49,238 452,062 60,742 57,918 460,742
54 15 4,412 0 29,655 28,331 429,655 57,345 56,022 457,345 67,794 66,471 467,794
55 16 4,412 0 31,170 31,170 431,170 62,746 62,746 462,746 75,207 75,207 475,207
56 17 4,412 0 32,589 32,589 432,589 68,305 68,305 468,305 83,038 83,038 483,038
57 18 4,412 0 33,918 33,918 433,918 74,036 74,036 474,036 91,324 91,324 491,324
58 19 4,412 0 35,154 35,154 435,154 79,943 79,943 479,943 100,095 100,095 500,095
59 20 4,412 0 36,290 36,290 436,290 86,029 86,029 486,029 109,375 109,375 509,375
88,241 0
60 21 4,412 0 37,300 37,300 437,300 92,277 92,277 492,277 119,177 119,177 519,177
61 22 4,412 0 38,153 38,153 438,153 98,662 98,662 498,662 129,504 129,504 529,504
62 23 4,412 0 38,797 38,797 438,797 105,139 105,139 505,139 140,342 140,342 540,342
63 24 4,412 0 39,198 39,198 439,198 111,679 111,679 511,679 151,693 151,693 551,693
64 25 4,412 0 39,320 39,320 439,320 118,251 118,251 518,251 163,558 163,558 563,558
65 26 4,412 0 39,137 39,137 439,137 124,831 124,831 524,831 175,949 175,949 575,949
66 27 4,412 0 38,625 38,625 438,625 131,395 131,395 531,395 188,878 188,878 588,878
67 28 4,412 0 37,765 37,765 437,765 137,923 137,923 537,923 202,363 202,363 602,363
68 29 4,412 0 36,518 36,518 436,518 144,377 144,377 544,377 216,406 216,406 616,406
69 30 4,412 0 34,839 34,839 434,839 150,708 150,708 550,708 231,001 231,001 631,001
132,361 0
1 The Guaranteed columns show values and benefits assuming minimum guaranteed interest of 0.25% and the maximum guaranteed Cost of Insurance rates and Expense
Charges.
2 The Non-Guaranteed columns assume current Cost of Insurance rates, Expense Charges and bonus interest if applicable.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 11 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Tabular Detail
Guaranteed ¹ Non-Guaranteed ² Non-Guaranteed ²
Assumptions Assumptions - Alternate Assumptions - Current
0.25% EOY Interest 4.50% EOY Interest 6.72% EOY
Planned
Premium Withdrawals/ Account Surrender Net Death Account Surrender Net Death Account Surrender Net Death
Age Year Outlay Loans Value Value Benefit Value Value Benefit Value Value Benefit
70 31 4,412 0 32,658 32,658 432,658 156,842 156,842 556,842 246,118 246,118 646,118
71 32 4,412 0 29,884 29,884 429,884 162,677 162,677 562,677 261,701 261,701 661,701
72 33 4,412 0 26,406 26,406 426,406 168,091 168,091 568,091 277,674 277,674 677,674
73 34 4,412 0 22,098 22,098 422,098 172,938 172,938 572,938 293,938 293,938 693,938
74 35 4,412 0 16,835 16,835 416,835 177,066 177,066 577,066 310,390 310,390 710,390
75 36 4,412 0 10,490 10,490 410,490 180,317 180,317 580,317 326,918 326,918 726,918
76 37 4,412 0 2,951 2,951 402,951 182,540 182,540 582,540 343,417 343,417 743,417
77 38 4,412 0 0 0 0 183,569 183,569 583,569 359,770 359,770 759,770
78 39 4,412 0 0 0 0 183,210 183,210 583,210 375,829 375,829 775,829
79 40 4,412 0 0 0 0 181,221 181,221 581,221 391,395 391,395 791,395
176,482 0
80 41 4,412 0 0 0 0 177,286 177,286 577,286 406,197 406,197 806,197
81 42 4,412 0 0 0 0 171,014 171,014 571,014 419,882 419,882 819,882
82 43 4,412 0 0 0 0 161,987 161,987 561,987 432,066 432,066 832,066
83 44 4,412 0 0 0 0 149,722 149,722 549,722 442,290 442,290 842,290
84 45 4,412 0 0 0 0 133,615 133,615 533,615 449,967 449,967 849,967
85 46 4,412 0 0 0 0 112,958 112,958 512,958 454,393 454,393 854,393
86 47 4,412 0 0 0 0 86,932 86,932 486,932 454,737 454,737 854,737
87 48 4,412 0 0 0 0 55,530 55,530 455,530 450,964 450,964 850,964
88 49 4,412 0 0 0 0 18,427 18,427 418,427 442,717 442,717 842,717
89 50 4,412 0 0 0 0 0 0 0 429,387 429,387 829,387
220,602 0
90 51 4,412 0 0 0 0 0 0 0 410,388 410,388 810,388
91 52 4,412 0 0 0 0 0 0 0 390,059 390,059 790,059
92 53 4,412 0 0 0 0 0 0 0 368,306 368,306 768,306
93 54 4,412 0 0 0 0 0 0 0 345,030 345,030 745,030
94 55 4,412 0 0 0 0 0 0 0 320,124 320,124 720,124
95 56 4,412 0 0 0 0 0 0 0 293,474 293,474 693,474
96 57 4,412 0 0 0 0 0 0 0 264,958 264,958 664,958
97 58 4,412 0 0 0 0 0 0 0 234,445 234,445 634,445
98 59 4,412 0 0 0 0 0 0 0 201,795 201,795 601,795
99 60 4,412 0 0 0 0 0 0 0 166,859 166,859 566,859
264,722 0
1 The Guaranteed columns show values and benefits assuming minimum guaranteed interest of 0.25% and the maximum guaranteed Cost of Insurance rates and Expense
Charges.
2 The Non-Guaranteed columns assume current Cost of Insurance rates, Expense Charges and bonus interest if applicable.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 12 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Tabular Detail
Guaranteed ¹ Non-Guaranteed ² Non-Guaranteed ²
Assumptions Assumptions - Alternate Assumptions - Current
0.25% EOY Interest 4.50% EOY Interest 6.72% EOY
Planned
Premium Withdrawals/ Account Surrender Net Death Account Surrender Net Death Account Surrender Net Death
Age Year Outlay Loans Value Value Benefit Value Value Benefit Value Value Benefit
100 61 4,412 0 0 0 0 0 0 0 129,477 129,477 529,477
101 62 4,412 0 0 0 0 0 0 0 89,477 89,477 489,477
102 63 4,412 0 0 0 0 0 0 0 46,677 46,677 446,677
103 64 4,412 0 0 0 0 0 0 0 879 879 400,879
104 65 4,412 0 0 0 0 0 0 0 0 0 0

1 The Guaranteed columns show values and benefits assuming minimum guaranteed interest of 0.25% and the maximum guaranteed Cost of Insurance rates and Expense
Charges.
2 The Non-Guaranteed columns assume current Cost of Insurance rates, Expense Charges and bonus interest if applicable.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 13 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Additional Information
Interest Crediting Options
A Prospective Annual Interest Bonus credits an additional 0.25% to account value after 10 years; guaranteed as long
as current declared credited rates exceed guaranteed minimum. The bonus is credited to the declared rate and
indexed account value. The Prospective Annual Interest Bonus rate is not credited to the collateral account backing a
loan under the Fixed Loan option. We reserve the right not to pay this bonus.
The benchmark index account is a S&P 500® One-Year Annual PtP with 100% PAR w/ CAP Rate and a 0% floor. The
maximum illustrated rate for an available index cannot exceed the interest generated from the excess option budget
above the allowance generated by the lesser of 1) benchmark index account historical returns and 2) 145% of F&G
Annuities and Life’s portfolio rate net of investment expense and default risk charges.
The "S&P 500 Index" is a product of S&P Dow Jones Indices LLC, a division of S&P Global, or its affiliates (“SPDJI”)
and has been licensed for use by F&G Annuities & Life Company. Standard & Poor’s® and S&P® are registered
trademarks of Standard & Poor’s Financial Services LLC, a division of S&P Global (“S&P”); Dow Jones® is a
registered trademark of Dow Jones Trademark Holdings LLC (“Dow Jones”); These trademarks have been licensed
for use by SPDJI and sublicensed for certain purposes by F&G Annuities & Life Company. This Life Insurance product
is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such
parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability
for any errors, omissions, or interruptions of the S&P 500 Index.
It is important to note the DJ US Real Estate Daily Risk Control 10% USD Total Return Index was first calculated on
June 2, 2013. All index value information presented prior to this date for this index is created through back-testing.
Back-tested performance is not actual performance; it is hypothetical.
The "DJ US Real Estate Daily Risk Control 10% USD Total Return Index" is a product of S&P Dow Jones Indices LLC,
a division of S&P Global, or its affiliates (“SPDJI”) and has been licensed for use by Fidelity & Guaranty Life Insurance
Company. Standard & Poor’s® and S&P® are registered trademarks of Standard & Poor’s Financial Services LLC, a
division of S&P Global (“S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (“Dow
Jones”); These trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Fidelity &
Guaranty Life Insurance Company. This Life Insurance product is not sponsored, endorsed, sold or promoted by SPDJI,
Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the
advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the
DJ US Real Estate Daily Risk Control 10% USD Total Return Index.
It is important to note the Barclays Trailblazer Sectors 5 Index was first calculated on July 5, 2016. All index value
information presented prior to this date for this index is created through back-testing. Back-tested performance is not
actual performance; it is hypothetical.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 14 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Barclays Bank PLC and its affiliates (“Barclays”) is not the issuer or producer of annuity products or fixed indexed
universal life products and Barclays has no responsibilities, obligations, or duties to policy owners of annuity products
or fixed indexed universal life products. The Index is a trademark owned by Barclays Bank PLC and licensed for use by
Fidelity & Guaranty Life Insurance Company as the Issuer of annuity products and fixed indexed universal life products.
While Fidelity & Guaranty Life Insurance Company as Issuer of annuity products and fixed indexed universal life
products may for itself execute transaction(s) with Barclays in or relating to the Index in connection with annuity products
or fixed indexed universal life products. Policy owners acquire annuity products and fixed indexed universal life products
from Fidelity & Guaranty Life Insurance Company and policy owners neither acquire any interest in Index nor enter into
any relationship of any kind whatsoever with Barclays upon making an investment in annuity products or fixed indexed
universal life products. The annuity products and fixed indexed universal life products are not sponsored, endorsed,
sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the annuity products
or fixed indexed universal life products or use of the Index or any data included therein. Barclays shall not be liable in
any way to the Issuer, policy owners or to other third parties in respect of the use or accuracy of the Index or any data
included therein.
Additionally, with respect to the Gold Price, daily values are not available prior to 1968. All Gold Price information
presented prior to 1968 is based on annual back-tested information. Back-tested performance is not actual
performance; it is hypothetical.
ICE BENCHMARK ADMINISTRATION LIMITED MAKES NO WARRANTY, EXPRESS OR IMPLIED, EITHER AS
TO THE RESULTS TO BE OBTAINED FROM THE USE OF THE LBMA GOLD PRICE AND/OR THE FIGURE AT
WHICH THE LBMA GOLD PRICE STANDS AT ANY PARTICULAR TIME ON ANY PARTICULAR DAY OR
OTHERWISE. ICE BENCHMARK ADMINISTRATION MAKES NO EXPRESS OR IMPLIED WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE FOR USE WITH RESPECT TO F&G GOLD.
PRECIOUS METALS LIMITED OWNS THE “LBMA GOLD PRICE” TRADE MARK.

Morgan Stanley US EQUITY ALLOCATOR Index (the “Index” or “MSUA index”) is the property of Morgan Stanley & Co.
LLC.

Any product that is linked to the performance of the Index is not sponsored, endorsed, sold or promoted by Morgan
Stanley & Co. LLC, or any of its affiliates (collectively, “Morgan Stanley”). Neither Morgan Stanley nor any other party
(including without limitation any calculation agents or data providers) makes any representation or warranty, express or
implied, regarding the advisability of purchasing any product linked to this Index. In no event shall Morgan Stanley have
any liability for any special, punitive, indirect or consequential damages including lost profits, even if notified of the
possibility of such damages. The Index is the exclusive property of Morgan Stanley. Morgan Stanley and the Index are
service marks of Morgan Stanley and have been licensed for use for certain purposes by fidelity and guaranty life
insurance (“licensee”). Neither Morgan Stanley nor any other party has or will have any obligation or liability to owners of
this product in connection with the administration or marketing of this product, and neither Morgan Stanley nor any other
party guarantees the accuracy and/or the completeness of the Index or any data included therein.

No purchaser, seller or holder of this product, or any other person or entity, should use or refer to any Morgan Stanley
trade name, trademark or service mark to sponsor, endorse, market or promote this product, without first contacting
Morgan Stanley to determine whether Morgan Stanley’s permission is required. Under no circumstances may any
person or entity claim any affiliation with Morgan Stanley without the prior written permission of Morgan Stanley.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 15 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

In calculating the performance of the Index, Morgan Stanley deducts, on a daily basis, a servicing cost of 0.85% per
annum. This reduces the positive change or increase the negative change in the Index level and thus decreases the
return of any product linked to the Index. The Index applies a bespoke volatility control mechanism to identify changing
market conditions using intraday data and stabilize the overall level of risk of the Index. The volatility control calculation
applied by Morgan Stanley as part of the Index’s methodology may decrease the Index’s performance and thus the
return of any product linked to the Index. In addition, because the volatility control calculation is expected to reduce the
overall volatility of the Index, it will also reduce the cost of hedging certain products linked to the Index.

Morgan Stanley may transact derivative transactions linked to the Index. Potential purchasers of products linked to this
Index should refer to the full offering document for important information concerning such products, including the related
risk factors and make their own appraisal of the risks and suitability of such products.

NOTE ON SIMULATED RETURNS: Back-testing and other statistical analyses provided herein use simulated
analysis and hypothetical circumstances to estimate how the Index may have performed between July 2, 2003, to
November 22, 2023, prior to its actual existence. The results obtained from such “back-testing” should not be
considered indicative of the actual results that might be obtained from an investment or a product linked to the Index.
The actual performance of the Index may vary significantly from the results obtained from back-testing. Unlike an actual
performance record, simulated results are achieved by means of the retroactive application of a back-tested model
itself designed with the benefit of hindsight and knowledge of factors that may have possibly affected its performance.
Morgan Stanley provides no assurance or guarantee that any product linked to the Index will operate or would have
operated in the past in a manner consistent with these materials. Calculation based on simulated performance is purely
hypothetical and may not be an accurate or meaningful comparison. Past performance (actual or simulated) is not
necessarily indicative of future results.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 16 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Risk Factors:
• The level of the Index can go down. The Index components are exposed to various risks and their market price
may be influenced by many unpredictable factors.

• The Index has embedded costs, including, but not limited to, transaction, futures roll and margin costs.
The return of such component and, as a result, the return of the Index will be lower than if there were no associated
costs.

• The servicing cost of 0.85% per annum will adversely affect the performance of the Index in all cases,
whether the Index appreciates or depreciates. The Index includes a servicing cost of 0.85% per annum which is
deducted daily from the level of the Index. The level of the Index may decline even if the Index components appreciate.
Because of the deduction of the servicing cost, the Index will underperform the performance of an identical index
without such a servicing cost feature.

• The Index nor any of the components comprising the Index are guaranteed to yield specific results.
There can be no assurance that the Index will be successful.

• There are risks relating to the volatility target mechanism. The Index’s volatility target mechanism is applied to
target an overall level of realized volatility equal to 12% but the realized volatility may be less than or greater than 12%
and the volatility target may adversely affect Index performance. The Index may have greater than 100% exposure (up
to 175% to the various Index components at any time as a result of the volatility target mechanism, which may

• There are risks associated with leverage. The Index may utilize leverage to target the 12% volatility level,
which is expected to magnify any declines in the level of the Index.

• The Index has limited history. The Index was established on November 22, 2023, and therefore has a very
limited history. Any investment in an instrument linked to the Index may involve greater risk than an investment
linked to an index with longer actual historical performance and a proven track record. Any performance prior to
the establishment of the Index has been retrospectively simulated by Morgan Stanley & Co. LLC and is subject to
significant limitations. Past performance (actual or simulated) is never a guarantee of future
performance.

• Investing in an instrument linked to the Index is not equivalent to investing in any underlying
instrument linked to S&P 500 Index or any other equity indices or ETFs. There is no actual portfolio of
assets to which any person who purchases a product linked to the Index is entitled or has any ownership interest
in. Investors in an instrument linked to the Index will not have rights to the underlying futures contracts.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 17 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

The BlackRock Market Advantage Index™ is a product of BlackRock Index Services, LLC and has been licensed for
use by Fidelity & Guaranty Life. BlackRock®, BlackRock Market Advantage Index™, and the corresponding logos are
registered and unregistered trademarks of BlackRock. The life product is not sponsored, endorsed, sold or promoted
by BlackRock Index Services, LLC, BlackRock, Inc., or any of its affiliates, or any of their respective third party licensors
(including the Index calculation agent, as applicable) (collectively, “BlackRock”). BlackRock has no obligation or liability
in connection with the administration or marketing of the life product. BlackRock makes no representation or warranty,
express or implied, to the owners of the life product or any member of the public regarding the advisability of investing
the annuity product or the ability of theBlackRock Market Advantage Index™ to track general market performance.
BlackRock does not guarantee the adequacy, accuracy, timeliness, and/or completeness of the Index or any data or
communication related thereto, nor does it have any liability for any errors, omissions, or interruptions of the BlackRock
Market Advantage Index™.

Account Allocation Dates

Net premiums (total premium less applicable charges and expenses) will earn interest in a short-term Fixed Interest
Crediting Rate account until the next available account allocation date. Currently, this short-term account is crediting
4.50%.
Account Value allocation dates occur on the 15th of each month. Premiums received less than two business days
before the 15th will remain in the short-term Fixed Interest Crediting Rate account until the 15th of the following month.
On the Account Value allocation date, the net premium plus interest earned in the short-term Fixed Interest Crediting
Rate account will be allocated among the Fixed Interest Crediting Rate account , S&P 500® Fixed Indexed Account,
Gold Price Option, DJ US Real Estate Daily Risk Control 10% USD Total Return Index Account, Barclays Trailblazer
Sectors 5 Point to Point with a Spread and PAR, Morgan Stanley US Equity Allocator Annual Point to Point, and
Blackrock Market Advantage Annual Point to Point option per your request.
Notification of any requested allocation changes must be provided at least 30 days prior to the Account Value
allocation anniversary date.

How the Interest Crediting Works

Unless specified differently in the interest crediting index-descriptions, interest is credited daily at a rate of 0.25%.
Additional interest may be credited on each segment anniversary date. The interest rate for the Fixed Interest Crediting
Rate account will be declared at the beginning of each 12-month crediting period. Interest is credited daily in Fixed
Interest Crediting Rate Account at a rate of 0.25%. The additional interest credited on the segment anniversary is
equal to the declared annual rate less the 0.25% that had been credited throughout the 12-month crediting period. The
current rate for the Fixed Interest Crediting Rate Account is 4.50%.

The additional interest that may be credited to the indexed accounts is based on formulas linked to changes in an
external index over a 12-month period. Note that the 12-month crediting period is based upon the date the account
value is moved into an indexed account, not the calendar year or the policy year.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 18 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

For the Barclays Trailblazer Sectors 5 Point to Point with a Spread and a PAR Account , interest is credited
daily at a rate of 0.25%. The additional interest is calculated by multiplying the end of crediting period Account Value by
the percentage change in the Barclays Trailblazer Sectors 5 Index over the same period of time, subject to a Spread
Rate, a Participation Rate and a minimum rate of 0.25%, less the 0.25% that had been credited throughout the
12-month crediting period. The Spread Rate and Participation Rate are set on each monthly account allocation date
and will be applied in the calculation of the interest credit at the end of the 12-month period. The current Spread Rate is
0.00% and the current Participation Rate is 200% meaning that this Account would earn interest equal to the
corresponding change in the Barclays Trailblazer Sectors 5 Index less the Spread Rate of 0.00% times by the
Participation Rate of 200%. If Barclays Trailblazer Sectors 5 Index experiences a decline over the 12-month crediting
period, no additional interest will be credited beyond the 0.25% that had been credited daily throughout the 12-month
crediting period. It is important to note that when the declared Participation Rate is greater than 100% and the Index
Change percentage at the end of the Index Crediting Period is zero or negative, no index interest credits will be applied
to the Account Value. Volatility control seeks to provide smoother returns and mitigate sharp market fluctuations. While
this type of index can lessen the impact of market downturns, it can also lessen the impact of market upturns, potentially
limiting upside potential.
For the DJ US Real Estate Daily Risk Control 10% USD Total Return Index Account, interest is credited daily
at a rate of 0.25%. The additional interest is calculated by multiplying the end of crediting period Account Value by the
percentage change in the DJ U.S. Real Estate Daily Risk Control 10% TR Index over the same period of time, subject
to an Index Interest Credit Adjustment Rate (Spread Rate) and a minimum rate of 0.25%, less the 0.25% that had
been credited throughout the 12-month crediting period. The Spread Rate is set on each monthly account allocation
date and will be applied in the calculation of the interest credit at the end of the 12-month period. The current Spread
Rate is 3.25% meaning that this Account would earn interest equal to the corresponding change in the DJ U.S. Real
Estate Daily Risk Control 10% TR Index less the Spread Rate of 3.25%. If the DJ U.S. Real Estate Daily Risk Control
10% TR Index experiences a decline over the 12-month crediting period, no additional interest will be credited beyond
the 0.25% that had been credited daily throughout the 12-month crediting period. Volatility control seeks to provide
smoother returns and mitigate sharp market fluctuations. While this type of index can lessen the impact of market
downturns, it can also lessen the impact of market upturns, potentially limiting upside potential.

For the S&P 500® Fixed Interest Crediting Account, interest is credited daily at a rate of 0.25%. The additional
interest is calculated by multiplying the end of crediting year Account Value by the percentage change in the S&P 500®
Index over the same period of time, subject to a maximum rate (CAP Rate) and a minimum rate of 0.25%, less the
0.25% that had been credited throughout the 12-month crediting period. The CAP Rate, guaranteed not to be less than
1.00%, is set on each monthly segment crediting period. The current CAP Rate is 11.50%, meaning that this segment
would earn interest equal to the corresponding change in the S&P 500® Index up to a maximum of 11.50%. If the S&P
500® Index experiences a decline over the 12-month crediting period, no additional interest will be credited beyond the
0.25% that had been credited daily throughout the 12-month crediting period.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 19 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

For the Gold Price Option, interest is credited daily at a rate of 0.25%. The additional interest is calculated by
multiplying the end of crediting year Account Value by the percentage change in the Gold Price over the same period of
time, subject to a maximum rate (CAP Rate) and a minimum rate of 0.25%, less the 0.25% that had been credited
throughout the 12-month crediting period. The CAP Rate, guaranteed not to be less than 1.00%, is set on each monthly
account allocation date and will be applied in the calculation of the interest credit at the end of the 12-month period.
The current CAP Rate is 16.00%, meaning that this Account would earn interest equal to the corresponding change in
the Gold Price up to a maximum of 16.00%. If the Gold Price experiences a decline over the 12-month crediting
period, no additional interest will be credited beyond the 0.25% that had been credited daily throughout the 12-month
crediting period.

For the Morgan Stanley US Equity Allocator One-Year Point-to-Point with Par the interest is credited daily at a
rate of 0.25%. Additional interest is calculated by multiplying the end of crediting period Account Value by the
percentage change in the Morgan Stanley US Equity Allocator Index over the same period of time subject to a minimum
rate of 0.25%, less the 0.25% that had been credited throughout the 12-month crediting period. The Participation Rate is
set on each monthly account allocation date and will be applied in the calculation of the interest credit at the end of the
12-month period. The current Participation Rate is 105.00%. This account would earn interest equal to the
corresponding change in the Morgan Stanley US Equity Allocator index multiplied by the Participation Rate. If the
Morgan Stanley US Equity Allocator Index experiences a decline over the 12-month crediting period, no additional
interest will be credited beyond the 0.25% that had been credited daily throughout the 12-month crediting period. If the
index percentage change is zero or negative, no index interest is added. The Index Credits pursuant to this option will
never be less than zero.

For the Blackrock Market Advantage™ One-Year Point-to-Point with Par the interest is credited daily at a rate of
0.25%. Additional interest is calculated by multiplying the end of crediting period Account Value by the percentage
change in the Blackrock Market Advantage Index™ over the same period of time subject to a minimum rate of 0.25%,
less the 0.25% that had been credited throughout the 12-month crediting period. The current Participation Rate is
180.00%. This account would earn interest equal to the corresponding change in the in the BlackRock Market
Advantage™ Index multiplied by the Participation Rate. If the BlackRock Market Advantage Index™ experiences a
decline over the 12-month crediting period, no additional interest will be credited beyond the 0.25% that had been
credited daily throughout the 12-month crediting period. If the index percentage change is zero or negative, no index
interest is added. The Index Credits pursuant to this option will never be less than zero.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 20 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Life Insurance Cost Information

Net Payment Cost Index at 5% Surrender Cost Index at 5%

Year Guaranteed Non-Guaranteed Guaranteed Non-Guaranteed

10 10.74 10.59 8.17 5.31
20 10.56 10.09 8.06 2.89

Projected annual cost indices are based upon assumed interest and current Cost of Insurance rates and are not
guaranteed. There are two types of cost indices: 1) Net Payment Cost Index which helps you compare your costs if you
don't give up your policy before its coverage ends; 2) Surrender Cost Index which helps you compare the costs
between two policies if you give up the policy and take out the Surrender Value.

Favorable Tax Treatment

In order to receive favorable federal tax treatments on distributions (including loans), a life insurance policy must satisfy
a 7-Pay Premium limitation during the first seven policy years. A new 7-year limitation will be imposed after certain
policy changes. Failure to satisfy this limitation would cause your policy to be considered a Modified Endowment
Contract (MEC). Distributions under a MEC are taxable to the extent there is a gain in the contract. In addition, with
certain exceptions, there is a non-deductible penalty tax equal to 10% of the taxable distribution, if a policy distribution
is made before Age 59 1/2. In any case, a gain in the contract is taxable upon full surrender of the policy. Based on the
initial 7-Pay Premium, the premiums illustrated during the first 7 policy years are within the limitation for favorable
status.
In order to receive favorable federal income tax treatment on the policy Death Benefit, the premium paid on a life
insurance policy must not exceed the maximum Guideline Premium Limitation. The limitation is equal to the greater of
(a) the Guideline Single Premium or (b) the cumulative sum of the Guideline Level Premiums paid annually. If the
maximum guideline premium limitation is exceeded, the policy will no longer be considered life insurance. The policy
owner will be taxed on the gain in the policy each year even if a cash distribution is not made. However, the policy
Death Benefit will generally be income tax-free when paid to the beneficiary.

The policy values displayed below reflect the assumptions at the date of issue and do not reflect any policy changes.

Target: $4,412.00 GL Single: $100,113.17

7-Pay: $26,441.94 GL Annual: $20,579.67
Monthly Min No-Lapse: $184.00

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 21 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Historical Performance Summary

The index account rates shown in this illustration are subject to a maximum regulatory rate, which is
based on the Benchmark Index Account as defined in Actuarial Guideline 49.A. The maximum
regulatory rate is the lesser of the 1) Benchmark Index Account average from all of the 25 year
rolling periods over the last 65 years when subject to the defined CAP rates, PAR rates and Spread
rates, and 2) 145% of F&G's portfolio rate less investment expense and default risk. The maximum
illustrated rate for all non-Benchmark Index Accounts, as defined in the update to Actuarial
Guideline 49.A, is the supplemental hedge budget of the non-Benchmark Index Account plus the
maximum regulatory rate multiplied by the ratio of the hedge budgets of the non- Benchmark Index
Account and the Benchmark Index account.

The following table shows the actual historical index price changes and corresponding hypothetical index
account increases using the guaranteed minimum rates and the current index CAP rates, PAR rates and
Spread rates for the most recent 20-year period.
Blackrock
Dow Jones Dow Jones Barclays Annual Morgan Morgan Stanley Market
U.S. Annual Point to Barclays Point to Point Stanley US Equity Blackrock Advantage
Real Estate Point 100% PAR Trailblazer with 0.00% US Equity Allocator Annual Market Annual Point to
Daily Risk with 3.25% Sectors 5 Spread and Allocator Point to Point Advantage Point 180%
Start Year End Year Control Spread Index 200% PAR Index with 105% PAR Index PAR

12/15/2004 12/15/2005 7.82% 4.57% 0.18% 0.36% 0.33% 0.34% N/A N/A
12/15/2005 12/15/2006 26.50% 23.25% 4.39% 8.79% 2.76% 2.90% N/A N/A
12/15/2006 12/15/2007 -4.25% 0.25% -0.51% 0.25% -0.50% 0.25% N/A N/A
12/15/2007 12/15/2008 -2.53% 0.25% -5.60% 0.25% -19.39% 0.25% N/A N/A
12/15/2008 12/15/2009 11.04% 7.79% 2.66% 5.33% 21.86% 22.95% 4.98% 8.97%
12/15/2009 12/15/2010 10.25% 7.00% 7.42% 14.84% 14.82% 15.56% 9.33% 16.79%
12/15/2010 12/15/2011 2.18% 0.25% 10.28% 20.57% -6.73% 0.25% 12.81% 23.05%
12/15/2011 12/15/2012 8.16% 4.91% 9.01% 18.02% 12.19% 12.80% 11.91% 21.44%
12/15/2012 12/15/2013 4.50% 1.25% 6.02% 12.05% 21.16% 22.22% -3.18% 0.25%
12/15/2013 12/15/2014 20.91% 17.66% 14.31% 28.62% 14.00% 14.70% 9.29% 16.73%
12/15/2014 12/15/2015 0.81% 0.25% -3.97% 0.25% -4.25% 0.25% -3.35% 0.25%
12/15/2015 12/15/2016 2.35% 0.25% 7.06% 14.12% 8.13% 8.53% 4.21% 7.58%
12/15/2016 12/15/2017 11.79% 8.54% 12.30% 24.60% 30.63% 32.16% 13.88% 24.98%
12/15/2017 12/15/2018 -4.34% 0.25% -7.53% 0.25% -0.93% 0.25% -7.36% 0.25%
12/15/2018 12/15/2019 13.00% 9.75% 15.78% 31.57% 21.69% 22.77% 15.92% 28.66%
12/15/2019 12/15/2020 1.73% 0.25% -0.11% 0.25% 19.62% 20.60% 3.90% 7.02%
12/15/2020 12/15/2021 20.51% 17.26% 3.09% 6.19% 16.25% 17.07% 3.31% 5.96%
12/15/2021 12/15/2022 -9.72% 0.25% -7.03% 0.25% -17.70% 0.25% -12.96% 0.25%
12/15/2022 12/15/2023 3.62% 0.37% -2.38% 0.25% 19.15% 20.11% -1.37% 0.25%
12/15/2023 12/15/2024 9.05% 5.80% -0.47% 0.25% 11.13% 11.69% -0.20% 0.25%
10 Year Average 4.54% 4.15% 1.41% 7.27% 9.47% 12.89% 1.25% 7.10%
20 Year Average 6.30% 5.30% 3.03% 8.89% 7.35% 10.85% N/A N/A
This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 22 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Historical Performance Summary

The index account rates shown in this illustration are subject to a maximum regulatory rate, which is
based on the Benchmark Index Account as defined in Actuarial Guideline 49.The maximum
regulatory rate is the lesser of the 1) Benchmark Index Account average from all of the 25 year
rolling periods over the last 65 years when subject to the defined CAP rates, PAR rates and Spread
rates, and 2) 145% of F&G's portfolio rate less investment expense and default risk. The maximum
illustrated rate for all non-Benchmark Index Accounts, as defined in the update to Actuarial
Guideline 49.A, is the supplemental hedge budget of the non-Benchmark Index Account plus the
maximum regulatory rate multiplied by the ratio of the hedge budgets of the non- Benchmark Index
Account and the Benchmark Index account.

The following table shows the actual historical index price changes and corresponding hypothetical index
account increases using the guaranteed minimum rates and the current index CAP rates, PAR rates and
Spread rates for the most recent 20-year period.

S&P 500® Gold Price

Annual Point Annual Point to
to Point Point 100%
S&P 500® 100% PAR Gold PAR with
Start Year End Year Index with 11.50% Price 16.00% CAP

12/15/2004 12/15/2005 5.41% 5.41% 15.32% 15.32%

12/15/2005 12/15/2006 12.29% 11.50% 23.21% 16.00%
12/15/2006 12/15/2007 1.32% 1.32% 26.77% 16.00%
12/15/2007 12/15/2008 -39.93% 0.25% 4.46% 4.46%
12/15/2008 12/15/2009 27.56% 11.50% 35.84% 16.00%
12/15/2009 12/15/2010 11.49% 11.49% 23.77% 16.00%
12/15/2010 12/15/2011 -1.58% 0.25% 13.34% 13.34%
12/15/2011 12/15/2012 17.65% 11.50% 7.74% 7.74%
12/15/2012 12/15/2013 24.90% 11.50% -27.19% 0.25%
12/15/2013 12/15/2014 11.37% 11.37% -2.07% 0.25%
12/15/2014 12/15/2015 2.70% 2.70% -12.22% 0.25%
12/15/2015 12/15/2016 10.70% 10.70% 6.17% 6.17%
12/15/2016 12/15/2017 18.29% 11.50% 11.33% 11.33%
12/15/2017 12/15/2018 -4.85% 0.25% -1.03% 0.25%
12/15/2018 12/15/2019 25.35% 11.50% 19.03% 16.00%
12/15/2019 12/15/2020 15.77% 11.50% 25.22% 16.00%
12/15/2020 12/15/2021 27.48% 11.50% -4.43% 0.25%
12/15/2021 12/15/2022 -17.29% 0.25% 0.84% 0.84%
12/15/2022 12/15/2023 21.14% 11.50% 13.95% 13.95%
12/15/2023 12/15/2024 28.71% 11.50% 30.60% 16.00%
10 Year Average 11.81% 8.18% 8.18% 7.88%
20 Year Average 8.42% 7.84% 9.41% 9.11%

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 23 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

Wealth Transfer
Life Insurance Tax-Free Death Benefit
Initial Face Amount: $400,000

Cash Value Accumulation

Tax-Deferred Accumulation Policy has the potential to accumulate tax-deferred cash value that may
provide tax-free income distributions through the use of policy loans and
withdrawals for retirement income, college expenses or help with life's
emergencies.¹
At Age 70: $246,118 At Age 90: $410,388²

Living Benefits
Accelerated Death Benefits for: Critical Illness Amount available at age 70 (Minor): $246,118
Chronic Illness Amount available at age 70: $115,953
Critical Illness Rider Terminal Illness Amount available at age 70: $595,531
Chronic Illness Rider
Terminal Illness Rider
The use of one benefit may reduce or eliminate other policy and rider benefits

Supplemental Riders
Added Benefits Included Rider
∙ OPR - Overloan Protection Rider
Optional Riders ³
∙ STR - Spousal Term Rider
∙ LTR - Primary Insured Level Term Life Insurance Rider
∙ CTR - Child Term Rider
∙ WMD - Waiver of Monthly Deduction
∙ ABR - Accidental Benefit Rider
Please refer to the basic illustration for guaranteed elements and other information.

¹ IRC §101(a)(1). There are some exceptions to this rule. Please consult a qualified tax professional for advice concerning your individual situation. Policy
loans and withdrawals reduce the policy's cash value and death benefit and may result in a taxable event. Withdrawals up to basis paid into the contract
and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender.
Surrender charges will reduce the policy's cash values in early years. Policy loans and withdrawals reduce the policy's cash value and death benefit and
may result in a taxable event.
² These values assume current charges and interest. Benefits and values are not guaranteed. The assumptions on which they are based, are subject to
change by the insurer and actual results may be more or less favorable than those shown.
³ Riders are optional and may require additional premium.
This presentation is not valid unless accompanied by a complete insurance company illustration. Please see the Ledger for guaranteed values and other
important information.

This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 24 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)
 Summary of Coverages Product: F&G Gold Face Amount: $400,000
Prepared for: State: FL Death Benefit Option: B (Increasing)
New Client Male, Age 39, Nontobacco Initial Premium: $367.67 Monthly
Riders: OPR CIR TIR CHR

The Accelerated Benefit Riders (ABR)¹ offer you flexibility to access your
death benefit if you have a qualifying Terminal, Chronic, or Critical Illness.²
The non-guaranteed projected values are based on New Client.
Terminal Illness
As an example, if the full, available death benefit is accelerated, the discounted benefit for New Client would be
about $595,531 at age 70.
Chronic Illness
The table for the rider demonstrates if the available annual death benefit is accelerated, the discounted chronic
illness benefit will be the amount shown.

Attained
Age 40 50 60 70 80

Chronic Illness
Discounted 70,757 78,596 92,788 115,953 134,774
Benefit

Critical Illness
This benefit covers a heart attack, stroke, major organ transplant, paralysis, diagnosis of ALS (Amyotrophic
Lateral Sclerosis), arterial aneurysms, central nervous system tumors, significant burns, an end-stage renal failure
diagnosis and invasive cancer. The table below projects the approximate net amount paid if the full available
death benefit is accelerated through the Critical Illness Rider.

Attained Category 1 Category 2 Category 3 Category 4

Age Minor Moderate Severe Critical
40 60,871 101,452 184,246 280,775

50 67,146 126,166 225,316 320,375

60 119,177 188,665 292,280 387,666

70 246,118 267,395 370,302 488,952

80 406,197 406,197 421,400 586,550

The use of one benefit may reduce or eliminate other policy and rider benefits.

The sample benefits shown assume current accelerated benefits mortality tables, projected illustrated rate of 6.72% and an acceleration discount rate of
5.65%. The benefits and values shown above are not guaranteed. The assumptions on which they are based are subject to change by the insurer. Actual
results may be more or less favorable. This presentation is not valid unless accompanied by a complete insurance company illustration.

¹ Accelerated Benefit Riders are included, available with no additional premium, and may not be available in all states. Please refer to the Narrative
Summary for details regarding the Accelerated Benefit Riders available in the state selected for this presentation.

² The Terminal, Chronic and Critical Illness riders are not available on policies approved with an underwriting rating greater than Table 4. The Terminal
Illness, Chronic Illness and Critical Illness riders are not available on any policies having temporary or permanent flat extra rating charges.

Option B contracts include the acceleration of death benefit and the pro-rata portion of the account value released upon request.
This is an illustration only, not an offer, contract, or promise of future policy performance. Coverage is subject to the terms and conditions of the policy.
This illustration is not valid without all 25 pages.

Agent: kristen pena Page 25 of 25 25-56.1.0.4

May 8, 2025 ADV 2325 (Nov-2019) 19-1335 Form number: LPI-2003(1-19), ICC19-2003(1-19)