There’s no better way than life insurance to protect your most valuable asset —

your earning potential. Consider this: A 30-year-old earning $30,000 a year will earn more

than $1 million dollars by age 65. And that’s without a raise! When you die, life insurance

can help make sure that your family will have money —

• TOPAYFINALEXPENSES

• TOPAYOFFDEBTS

• TOPAYOFFTHEMORTGAGEORMAKERENTPAYMENTS

• TOPAYFOREDUCATIONALEXPENSESFORYOURCHILDREN

• TOPROVIDEAMONTHLYINCOMEFORTHEFAMILY

LibertyNational’sAnnualRenewableTermistheaffordablesolution.

Annual Renewable Term from Liberty National

A Great Way to Protect Your Income and Your Family’s Financial Future

CombinetheLowCostofTermLifeInsuranceWithProtectionToAge100

R-3762 LNL2113 1011

YouGet: TheBenefitToYouIs:ChoiceofAmounts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . This plan is available for ages 18 through 40 in amounts of $20,000 and above.

GuaranteedDeathBenefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . This plan provides a level death benefit that does not decrease.

TermPremium. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Current premiums are guaranteed for one year. Thereafter, premiums will increase according to the primary insured’s age.

GuaranteedRenewability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . The ART is guaranteed renewable to age 100.

ConvenientAutomaticPayPlan . . . . . . . . . . . . . . . . . . . . . . . . . . . Premiums may be deducted automatically from your checking account.

LumpSumorMonthlyIncomeBenefits . . . . . . . . . . . . . . . . . . . Benefits may be paid to your beneficiary in a lump sum or as a monthly income.

ConversionPrivilege . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ART is convertible to a whole life policy without proof of insurability anytime prior to the insured’s 80th birthday.

TerminalIllnessAcceleratedDeathBenefitRider . . . . . . . . .(wherestateapproved)

Automatically included, at no cost, for unrated primary insureds, in approved states. Policyholder may request accelerated payment of 50% of policy death benefit if insured is diagnosed as having a terminal illness that is expected to cause death within 12 months.

PlusYouCanAddTheseExtraBenefitsforAdditionalPremium:AccidentalDeathBenefit(ADB) . . . . . . . . . . . . . . . . . . . . . . . . . . . . The Accidental Death Benefit (ADB) Rider provides an additional death benefit of up to $200,000 if you die from

an accidental bodily injury. The optional ADB rider is available to your spouse and children too.

An additional death benefit pays if the insured’s death results, directly and independently of all other causes, from an accidental bodily injury.

Death must occur within 90 days from the date of injury and prior to the policy anniversary following the insured’s 65th birthday. Death must be caused by injury evidenced by a visible wound or contusion on the exterior of the body (except in case of drowning or internal injuries revealed by autopsy). The ADB rider ceases at age 65.

PremiumWaiver(PW) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . With the Premium Waiver (PW) Rider, your insurance coverage continues if you become totally disabled and can no longer pay premiums.

If the primary insured is disabled after the policy anniversary following the insured’s 5th birthday and prior to the policy anniversary following the insured’s 60th birthday, premiums are waived for as long as the insured remains disabled.

If the primary insured is disabled on or after the policy anniversary following the insured’s 60th birthday, premiums are waived until the policy anniversary following the insured’s 65th birthday, provided the insured remains disabled. The PW rider ceases at age 65.

Children’sInsuranceRider(CIR) . . . . . . . . . . . . . . . . . . . . . . . . . . . .inAmountsof$5,000,$10,000,$15,000,$20,000or$25,000

Term Life insurance, with or without ADB, can be added on the life of each child who is under age 19. Coverage on children begins at age 15 days. The CIR coverage cannot exceed the primary insured’s coverage (base policy plus rider).

SpouseTermRider . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . You can add life insurance coverage on your spouse with a term life insurance rider.

This is only a brief description of Liberty National’s Annual Renewable Term (ART) policy, Form ICC10T, TRM; Terminal Illness Accelerated Benefit Rider, Form ICC10R, LTAR; Accidental Death Benefit, Forms 6566 (base policy or PIR) and 6567 (STR); Premium Waiver, Forms 5050 (base policy or PIR) and 5050S (STR); Children’s Insurance Rider, Forms 6349 and 6350 (with ADB).

Mode ________________

Initial Base Premium $ _______________

ADB Premium $ _______________

PW Premium $ _______________

CIR Premium $ _______________

Spouse Term Rider Premium $ _______________

Interim Term Premium $ _______________

(Add all premium amounts from computer proposal)

Total Premium $ _______________

Name ________________________________________

Sex: ❒ M ❒ F Tobacco User: ❒ yes ❒ no

FaceAmount $ _________________________________

❒ ADB (Primary Insured) Amount $ ____________________ (maximum of $200,000)

❒ ADB (Spouse) Amount $ ____________________ (maximum of $200,000)

❒ PW (Primary Insured) Amount $ ____________________ ❒ PW (Spouse) Amount $ ____________________

❒ CIR ❒ $5,000 ❒ $10,000 ❒ $15,000 ❒ $20,000 ❒ $25,000

❒ CIR with ADB ❒ $5,000 ❒ $10,000 ❒ $15,000 ❒ $20,000 ❒ $25,000

❒ Spouse Term Rider Amount $ ____________________ ❒ with ADB ❒ without ADB