Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C Approved in New York state

Company

Product C

Participating/ISWL Participating Participating Participating

Ages 0-80 Non-Nicotine Ages 0-80 Non-Nicotine 15 days-Age 17 Juvenile

Ages 18-75 Nicotine Ages 18-75 Nicotine Ages 18-85 All other classes

Age last birthday

$10,000-$250,000 Standard (ages 0-65) $10,000-$250,000 Standard (ages 0-65)

All classes (ages 66+) All classes (ages 66+)

All classes All classes

Premiums Level premium payable to age 121 Level premium payable to age 121 Premiums payable to age 121

GTD Interest Rate No set rate No set rate No set rate

Variable

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Non-Direct Recognition Non-Direct Recognition Direct Recognition

No set schedule No set schedule No set schedule

Accelerated DB (Terminal, Chronic, Critical) Accelerated DB (Terminal, Chronic) Accelerated Benefits

Disability Waiver of Premium Disability Waiver of Premium Accidental DB Children's Term

Children's Term Children's Term Critical Illness

Guaranteed Insurance Option Guaranteed Insurance Option Disability Waiver of Premium

Paid-Up Additions Paid-Up Additions Guaranteed Insurability

Signature Term (ART, 10, 15, 20, 30) Signature Term (ART, 10, 15, 20, 30) Level Term

Other Insured

Paid-Up Additions Period Premium

Paid-Up Additions Single Premium

Payor Benefit

Cash Paid Up Additions Cash Paid Up Additions Paid Up Additions

Premium Reduction Premium Reduction Accumulate at Interest

Accumulate at Interest Accumulate at Interest Paid in Cash

Reduce Premiums/Cash

Reduce Premiums/PUAs

Reduce Premiums/Accumulate at Interest

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Whole Life - Pay For Life

$10,000-$250,000

Issue Ages

$10,000-$250,000

Minimum Face

Amount

$250,001

American National Assurity Life

$10,000

Signature Whole Life NY

American National Life of NY

Signature Whole Life

Surrender Charges

Riders/Benefits

Dividend Options

Loan Rate

$250,001

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 1 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product

Participating/ISWL Participating Participating Participating

15 days-Age 17 Juvenile 15 days-Age 17 Juvenile 15 days-Age 17 Juvenile

Ages 18-85 All other classes Ages 18-85 All other classes Ages 18-54 All other classes

Age last birthday Age last birthday Age last birthday

Premiums Premiums payable for 10 yrs Premiums payable for 20 yrs Premiums payable to age 65

GTD Interest Rate No set rate No set rate No set rate

Variable Variable Variable

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Direct Recognition Direct Recognition Direct Recognition

No set schedule No set schedule No set schedule

Accelerated Benefits Accelerated Benefits Accelerated Benefits

Accidental DB Children's Term Accidental DB Children's Term Accidental DB Children's Term

Critical Illness Critical Illness Critical Illness

Disability Waiver of Premium Disability Waiver of Premium Disability Waiver of Premium

Guaranteed Insurability Guaranteed Insurability Guaranteed Insurability

Level Term Level Term Level Term

Other Insured Other Insured Other Insured

Paid-Up Additions Period Premium Paid-Up Additions Period Premium Paid-Up Additions Period Premium

Paid-Up Additions Single Premium Paid-Up Additions Single Premium Paid-Up Additions Single Premium

Payor Benefit Payor Benefit Payor Benefit

Paid Up Additions Paid Up Additions Paid Up Additions

Accumulate at Interest Accumulate at Interest Accumulate at Interest

Paid in Cash Paid in Cash Paid in Cash

Reduce Premiums/Cash Reduce Premiums/Cash Reduce Premiums/Cash

Reduce Premiums/PUAs Reduce Premiums/PUAs Reduce Premiums/PUAs

Reduce Premiums/Accumulate at Interest Reduce Premiums/Accumulate at Interest Reduce Premiums/Accumulate at Interest

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Whole Life - 20 Pay

Approved in New York state

Whole Life - Pay to Age 65

Minimum Face

Amount

$10,000

Assurity Life

Whole Life - 10 Pay

$10,000

Issue Ages

Riders/Benefits

Surrender Charges

Dividend Options

Loan Rate

$10,000

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 2 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product

Participating/ISWL Participating

Ages 0-85 NT, Tobacco Ages 0-85 NT, Tobacco

Ages 18-85 All other classes Ages 18-85 All other classes

Ages 0-75 Non-Medical Ages 0-75 Non-Medical

$25,000-$150,000 Ages 0-15, 56-75 (NM) $25,000-$150,000 Ages 0-15, 56-75 (NM)

$25,000-$400,000 Ages 16-55 (NM) $25,000-$400,000 Ages 16-55 (NM)

$50,000-$499,999 Ages 0-75 (Med band 1) $50,000-$499,999 Ages 0-75 (Med band 1)

$25,000-$499,999 Ages 76-85 (Med band 1) $25,000-$499,999 Ages 76-85 (Med band 1)

$500,000+ All ages (Med band 2) $500,000+ All ages (Med band 2)

$100,000+ All classes except NT, Tob $100,000+ All classes except NT, Tob

Premiums Premiums payable to age 100 Premiums payable for 20 yrs

GTD Interest Rate

Variable Variable

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Non-Direct Recognition Non-Direct Recognition

None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any

paid-up additions minus policy debt paid-up additions minus policy debt

Accelerated DB Accelerated DB

Accidental DB Accidental DB

Children's Term Children's Term

Common Carrier Accidental DB Common Carrier Accidental DB

Family Health Benefit Family Health Benefit

Flexible Payment PUA Flexible Payment PUA

Guaranteed Insurability Guaranteed Insurability

Single Payment PUA Single Payment PUA

Ten Year Term Ten Year Term

Twenty Year Term Twenty Year Term

Waiver of Premium Waiver of Premium

Paid Up Additions Paid Up Additions

Accumulate at Interest Accumulate at Interest

Paid in Cash Paid in Cash

Premium Reduction Premium Reduction

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Foresters

Advantage Plus II WL - 20 Pay

Surrender Charges

Riders/Benefits

Dividend Options

Approved in New York state

Advantage Plus II WL - Pay to 100

Issue Ages

Loan Rate

Minimum Face

Amount

Participating

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 3 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product C C

Participating/ISWL Participating Participating

Ages 18-70 Ages 0-80 Non-Smoker Ages 0-80 Non-Smoker

Age Last Birthday Ages 18-80 All other classes Ages 18-80 All other classes

Pref Plus NT Pref Plus NT

Pref NT Pref NT

All other classes All other classes

Premiums Premiums payable to age 121 Premiums payable to age 95 Premiums payable to age 99

GTD Interest Rate

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually.

Direct/Non-Direct

Recognition

N/A Direct Recognition Direct Recognition

None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any paid-to-date plus account values plus any

paid-up additions minus policy debt paid-up additions minus policy debt paid-up additions minus policy debt

Accelerated Death Benefit for Terminal Illness 10 Yr ART Accidental DB 10 Yr ART Accidental DB

Disability Waiver of Premium Applicant's Waiver of Premium Applicant's Waiver of Premium

DuoGuard Enhanced Accel. Benefits DuoGuard Enhanced Accel. Benefits

Enhanced Guaranteed Insurability Option Enhanced Guaranteed Insurability Option

Enhanced PUA Exchange of Insureds Enhanced PUA Exchange of Insureds

Guaranteed Insurability Option/GIO Plus Guaranteed Insurability Option/GIO Plus

Index Participation Feature Index Participation Feature

Lifetime Protection Builder Lifetime Protection Builder

LTC Rider Select Security LTC Rider Select Security

One Yr Term Addition w/ Target Face (Opt. Q) One Yr Term Addition w/ Target Face (Opt. Q)

Waiver of Premium Waiver of Specified Amt. Waiver of Premium Waiver of Specified Amt.

N/A Cash (A) Reduce premium (B) Cash (A) Reduce premium (B)

Paid up additions (D) Paid up additions (D)

reduce premium (G) reduce premium (G)

LTC Additions (I) LTC Additions (I)

1 Yr term addition with target face amount (Q) 1 Yr term addition with target face amount (Q)

Increasing Q Term (R) Premium offset (S) Increasing Q Term (R) Premium offset (S)

Dividends repay loan principal (U) Dividends repay loan principal (U)

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Guardian

Life Paid-Up at 99 (L99)

Approved in New York state

Life Paid-Up at 95 (L95)

Issue Ages

Minimum Face

Amount

$250,000

1 Yr term addition up to policy CV-Balance to

purchase dividend additions (F)

Riders/Benefits

Dividend Options

1 Yr term addition up to policy CV- Balance to

1 Yr term addition up to 2x's face amount-Balance to

purchase dividend additions (L)

Dividend accumulation (C)

1 Yr term addition up to policy CV-Balance to

purchase dividend additions (F)

Surrender Charges

Dividend accumulation (C)

1 Yr term addition up to policy CV- Balance to

1 Yr term addition up to 2x's face amount-Balance to

reduce premium (P)

1 Yr term addition up to 2x's face amount-Balance to

reduce premium (P)

1 Yr term addition up to 2x's face amount-Balance to

purchase dividend additions (L)

Loan Rate

8% Decreases from 6% to 4% at later of 20 yrs or age

65; Variable Loan available yr 10 without Direct

Recognition

3.00%

Decreases from 6% to 4% at later of 20 yrs or age

65; Variable Loan available yr 10 without Direct

Recognition

3.00%

$100,000

Interest Sensitive WL

$25,000 $100,000

$25,000$25,000

$250,000

Gerber Whole Life

Gerber Life

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 4 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product C C C

Participating/ISWL Participating Participating Participating

Ages 0-90 Non-Smoker Ages 0-45 Non-Smoker Ages 0-75 Non-Smoker

Ages 18-80 All other classes Ages 18-45 All other classes Ages 18-75 All other classes

Pref Plus NT; all Pref Plus NT Pref Plus NT

classes ages 0-49 Pref NT Pref NT

All other classes and All other classes All other classes

over age 50

Premiums Premiums payable to age 121 Premiums payable to age 65 Premiums payable for 10 yrs

GTD Interest Rate

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Direct Recognition Direct Recognition Direct Recognition

None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any paid-to-date plus account values plus any

paid-up additions minus policy debt paid-up additions minus policy debt paid-up additions minus policy debt

10 Yr ART Accidental DB 10 Yr ART Accidental DB 10 Yr ART Accidental DB

Applicant's Waiver of Premium Combined Waiver of Premium Combined Waiver of Premium

DuoGuard Enhanced Accel. Benefits Enhanced Guaranteed Insurability Option Enhanced Accelerated Benefits

Enhanced Guaranteed Insurability Option GIO Limited Paid Up Additions Enhanced Guaranteed Insurability Option

Enhanced PUA Exchange of Insureds Index Participation Feature GIO-10 Exchange of Insureds

Guaranteed Insurability Option/GIO Plus LTC Rider GIO Limited Select Security

Index Participation Feature Waiver of Premium Index Participation Feature

Lifetime Protection Builder Waiver of Specified Amt. LTC Rider

LTC Rider Select Security One Yr Term Addition w/ Target Face (Opt. Q)

One Yr Term Addition w/ Target Face (Opt. Q) Simplified Insurability Opt Paid up additions

Waiver of Premium Waiver of Specified Amt. Waiver of Premium Waiver of Specified Amt.

Cash (A) Reduce premium (B) Cash (A) Reduce premium (B) Cash (A) Reduce premium (B)

Paid up additions (D) Paid up additions (D) Paid up additions (D)

reduce premium (G) reduce premium (G) reduce premium (G)

LTC Additions (I) LTC Additions (I) LTC Additions (I)

1 Yr term addition with target face amount (Q) 1 Yr term addition with target face amount (Q) 1 Yr term addition with target face amount (Q)

Increasing Q Term (R) Premium offset (S) Increasing Q Term (R) Premium offset (S) Increasing Q Term (R) Premium offset (S)

Dividends repay loan principal (U) Dividends repay loan principal (U) Dividends repay loan principal (U)

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Approved in New York state

Life Paid-Up at 65 (L65)

Guardian

$250,000

10 Pay Whole Life (10 Pay WL)

$25,000

$250,000

$100,000

Life Paid-Up at 121 (L121)

4.00%

$250,000

1 Yr term addition up to 2x's face amount-Balance to

purchase dividend additions (L)

1 Yr term addition up to policy CV- Balance to

Dividend accumulation (C)

1 Yr term addition up to 2x's face amount-Balance to

purchase dividend additions (L)

1 Yr term addition up to 2x's face amount-Balance to

reduce premium (P)

1 Yr term addition up to 2x's face amount-Balance to

purchase dividend additions (L)

1 Yr term addition up to policy CV-Balance to

purchase dividend additions (F)

Dividend Options

Dividend accumulation (C)

1 Yr term addition up to 2x's face amount-Balance to

reduce premium (P)

Riders/Benefits

1 Yr term addition up to policy CV-Balance to

purchase dividend additions (F)

1 Yr term addition up to 2x's face amount-Balance to

reduce premium (P)

1 Yr term addition up to policy CV- Balance to 1 Yr term addition up to policy CV- Balance to

4.00%

$100,000

Loan Rate

Surrender Charges

Decreases from 6% to 4% at later of 20 yrs or age

65; Variable Loan available yr 10 without Direct

Recognition

4.00%

Decreases from 8% to 4% at later of 20 yrs or age 65 Decreases from 8% to 4% at later of 10 yrs or age 65

Minimum Face

Amount

Issue Ages

$100,000

$25,000

Dividend accumulation (C)

1 Yr term addition up to policy CV-Balance to

purchase dividend additions (F)

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 5 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product C C C

Participating/ISWL Participating Participating Participating

Ages 0-75 Non-Smoker Ages 0-70 Non-Smoker Ages 20-90

Ages 18-75 All other classes Ages 18-70 All other classes

Pref Plus NT Pref Plus NT Pref Plus NT

Pref NT Pref NT All other classes

All other classes All other classes

Premiums Premiums payable for 15 yrs Premiums payable for 20 yrs Premiums payable to younger age 121

GTD Interest Rate

Yrs 1-20

Yrs 21+

Variable Loans available in year 10

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Direct Recognition Direct Recognition Direct Recognition (except on Variable Loans)

None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any paid-to-date plus account values plus any

paid-up additions minus policy debt paid-up additions minus policy debt paid-up additions minus policy debt

10 Yr ART Accidental DB 10 Yr ART Accidental DB 15-Year Death Waiver

Combined Waiver of Premium Combined Waiver of Premium 4-Year Term

Enhanced Accelerated Benefits Enhanced Accelerated Benefits DuoGuard - Beneficiary Insurance Option

Enhanced Guaranteed Insurability Option Enhanced Guaranteed Insurability Option DuoGuard - Survivor Insurance Purchase Opt.

Exchange of Insured Exchange of Insured Enhanced Accel. Benefit (Terminal/Chronic)

Index Participation Feature Index Participation Feature Paid-Up Additions Rider

LTC Rider Select Security LTC Rider Select Security Policy Split Option

One Yr Term Addition w/ Target Face (Opt. Q) One Yr Term Addition w/ Target Face (Opt. Q)

Paid up additions Paid up additions

Waiver of Premium Waiver of Specified Amt. Waiver of Premium Waiver of Specified Amt.

Waiver of Premium Waiver of Specified Amt.

Cash (A) Reduce premium (B) Cash (A) Reduce premium (B) Cash (A) Reduce premium (B)

Paid up additions (D) Paid up additions (D) Paid up additions (D)

1 Yr term addition with target face amount (Q)

Increasing Q Term (R) Premium offset (S)

Dividends repay loan principal (U)

reduce premium (G) reduce premium (G)

LTC Additions (I) LTC Additions (I)

1 Yr term addition with target face amount (Q) 1 Yr term addition with target face amount (Q)

Increasing Q Term (R) Premium offset (S) Increasing Q Term (R) Premium offset (S)

Dividends repay loan principal (U) Dividends repay loan principal (U)

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

EstateGuard SWL15 Pay Whole Life (L15)

$250,000

Guardian

$250,000

$100,000

Issue Ages

4.00%

Riders/Benefits

1 Yr term addition up to 2x's face amount-Balance to

purchase dividend additions (L)

Dividend accumulation (C)

Surrender Charges

Loan Rate

8.00%Decreases from 8% to 4% at later of 20 yrs or age 65

1 Yr term addition up to 2x's face amount-Balance to

purchase dividend additions (L)

1 Yr term addition up to policy CV-Balance to

purchase dividend additions (F)

1 Yr term addition up to 2x's face amount-Balance to

reduce premium (P)

1 Yr term addition up to 2x's face amount-Balance to

reduce premium (P)

Dividend Options

$100,000

4.00%

Minimum Face

Amount

$100,000

4.00%

$25,000

$250,000

$25,000

20 Pay Whole Life (L20)

Approved in New York state

Decreases from 8% to 4% at later of 20 yrs or age 65

1 Yr term addition up to policy CV- Balance to

Dividend accumulation (C)

Simplified Insurability OptSimplified Insurability Opt

1 Yr term addition up to policy CV-Balance to

purchase dividend additions (F)

1 Yr term addition up to policy CV- Balance to

4.00%

Dividend accumulation (C)

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 6 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product C C C

Participating/ISWL Participating Participating Participating

Ages 0-90 Non-Tobacco Ages 0-60 Non-Tobacco Ages 0-75 Non-Tobacco

Ages 17-80 All other classes Ages 17-60 All other classes Ages 17-75 All other classes

Non-Tobacco, Tobacco Non-Tobacco, Tobacco

All other classes All other classes

Premiums Premiums payable to age 100 Premiums payable to age 65 Premiums payable for 10 yrs

GTD Interest Rate

Fixed loan Fixed loan Fixed loan

Adjustable rate loan available Adjustable rate loan available Adjustable rate loan available

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

RecognitionNone. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any paid-to-date plus account values plus any

paid-up additions minus policy debt paid-up additions minus policy debt paid-up additions minus policy debt

Accelerated DB Additional Life Insurance Accelerated DB Additional Life Insurance Accelerated DB Additional Life Insurance

Guaranteed Insurability Guaranteed Insurability Guaranteed Insurability

Life Insurance Supplement Life Insurance Supplement Life Insurance Supplement

LTCAccess LTCAccess LTCAccess

Planned Additional Life Insurance Planned Additional Life Insurance Planned Additional Life Insurance

Renewable Term Transfer of Insureds Renewable Term Transfer of Insureds Renewable Term Transfer of Insureds

Waiver of Premium Yearly Term Purchase Waiver of Premium Yearly Term Purchase Waiver of Premium Yearly Term Purchase

Cash Reduce premium Cash Reduce premium Cash Reduce premium

Paid up additions Paid up additions Paid up additions

LISR/Flex Reduce loan LISR/Flex Reduce loan LISR/Flex Reduce loan

Reduce loan interest One-year Term Reduce loan interest One-year Term Reduce loan interest One-year Term

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

6.00%

Fixed loan with Direct Recognition or Adjustable loan

with non-direct recogition

6.00%

Fixed loan with Direct Recognition or Adjustable loan

with non-direct recogition

6.00%

Fixed loan with Direct Recognition or Adjustable loan

with non-direct recogition

$100,000

$50,000 $50,000

Dividend Options

Dividend accumulation Dividend accumulation Dividend accumulation

4.00% 4.00% 4.00%

Loan Rate

Approved in New York state

MassMutual

Legacy 100 WL Legacy 65 WL Legacy 10 Pay WL

Issue Ages

Surrender Charges

Riders/Benefits

Minimum Face

Amount

$25,000 $25,000

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 7 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product C C C

Participating/ISWL Participating Participating Participating

Ages 0-75 Non-Tobacco Ages 0-75 Non-Tobacco Ages 18-85

Ages 17-75 All other classes Ages 17-75 All other classes

Non-Tobacco, Tobacco Non-Tobacco, Tobacco

All other classes All other classes

Premiums Premiums payable for 15 yrs Premiums payable for 20 yrs Premiums payable to age 100

GTD Interest Rate

Fixed loan Fixed loan Fixed loan

Adjustable rate loan available Adjustable rate loan available Adjustable rate loan available

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

RecognitionNone. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any paid-to-date plus account values plus any

paid-up additions minus policy debt paid-up additions minus policy debt paid-up additions minus policy debt

Accelerated DB Additional Life Insurance Accelerated DB Additional Life Insurance Accelerated DB

Guaranteed Insurability Guaranteed Insurability Estate Protection

Life Insurance Supplement Life Insurance Supplement Policy Split Option

LTCAccess LTCAccess Survivorship Additional Life Insurance

Planned Additional Life Insurance Planned Additional Life Insurance Survivorship Life Insurance Supplement

Renewable Term Transfer of Insureds Renewable Term Transfer of Insureds Waiver of Premium

Waiver of Premium Yearly Term Purchase Waiver of Premium Yearly Term Purchase Waiver of Premium Upon Death of Specified Insured

Cash Reduce premium Cash Reduce premium Cash Reduce premium

Paid up additions Paid up additions Paid up additions

LISR/Flex Reduce loan LISR/Flex Reduce loan LISR/Flex Reduce loan

Reduce loan interest One-year Term Reduce loan interest One-year Term Reduce loan interest One-year Term

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Dividend accumulation Dividend accumulation Dividend accumulation

4.00% 4.00% 4.00%

6.00% 6.00%

$50,000

Approved in New York state

MassMutual

Legacy 15 Pay WL Legacy 20 Pay WL Survivorship WL Legacy 100

$25,000 $25,000 $100,000

$50,000

Loan Rate

Minimum Face

Amount

Surrender Charges

Issue Ages

Fixed loan with Direct Recognition or Adjustable loan

with non-direct recogition

6.00%

Fixed loan with Direct Recognition or Adjustable loan

with non-direct recogition

Riders/Benefits

Dividend Options

Fixed loan with Direct Recognition or Adjustable loan

with non-direct recogition

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 8 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product C C C

Participating/ISWL Participating Non-participating Non-participating

Ages 0-85 Nontobacco Ages 0-80 Nontobacco Ages 0-80

All other classes 18-80 All other classes Ages 18-80

$250,000 $250,000

NT Preferred, Std Pref $100,000 NT Preferred, Std Pref $100,000

$10,000 $10,000

Premiums Premiums payable to age 121 Premiums payable to age 100 Premiums payable for 20 yrs

GTD Interest Rate

Variable (minimum of 5%)

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Direct Recognition N/A Non-Direct Recognition

None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any paid-to-date plus dividend accumulations plus

paid-up additions minus policy debt paid-up additions minus policy debt any paid-up additions minus policy debt

Accelerated DB (Terminal Illness) 20-Year Spouse Rider 20-Year Spouse Rider

Accelerated DB (Chronic Illness) Accidental DB Accidental DB

Accelerated DB (Critical Illness/Injury) Children's Term Children's Term

Additional Paid-Up Children's Term Guaranteed Insurability Benefit Guaranteed Insurability Benefit

Beneficiary Insurance Option (NL Only) Owner's Waiver of Premium or Disability Owner's Waiver of Premium or Disability

Exchange to New Insured Benefit Benefit

Flex Term Rider Guaranteed Insurability Waiver of Premium Waiver of Premium

Qualified Plan Exchange Privilege

Term Riders (ART, 10, 15, 20, 30)

Waiver of Premium

Cash Flex Term N/A N/A

Internal Paid-Up Insurance

Paid-Up Additional Insurance

Dividends to Accumulate with Interest

Dividends to Reduce Premium

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Approved in New York state

Variable

$50,000

TotalSecure WL

National Life/Life Insur. Co. of Southwest

NT Preferred Plus

20-Pay WL

Issue Ages

NT Preferred Plus

Minimum Face

Amount

Loan Rate

NT, Standard

WL 100

Surrender Charges

Dividend Options

Riders/Benefits

4.00%

NT, Standard

Variable

Nationwide

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 9 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product C C C

Participating/ISWL Participating Participating Participating

Ages 0-70 Ages 0-90 Ages 18-90

Select Pref, Preferred Select Pref, Preferred

All other classes All other classes

Premiums Premiums payable for 5 yrs or to age 75 Premiums payable to age 100 Premiums paid for 10, 20, 30 yrs or age 100

GTD Interest Rate

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Non-Direct Recognition Non-Direct Recognition Non-Direct Recognition

None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus dividend accumulations plus paid-to-date plus dividend accumulations plus paid-to-date plus dividend accumulations plus

any paid-up additions minus policy debt any paid-up additions minus policy debt any paid-up additions minus policy debt

Accidental DB Accidental DB Disability Waiver of Premium

Disability Waiver of Premium Disability Waiver of Premium Dividend Option Term

Dividend Option Term Dividend Option Term Upromise Level Term First-to-Die

Enhanced Cash Surrender Value Increasing Premium Term Living Benefits

Extension of Premium Paying Periods Insurance Exchange Living Benefits Option to Purchase Paid-up Additions

Insurance Exchange Living Benefits Option to Purchase Paid-up Additions

Level Convertible Term 5 Payer Protection Benefit

Option to Purchase Paid-up Additions Policy Purchase Opt Term on Other Insured

Payer Protection Benefit Spouse's Paid-up Insurance Purchase Option

Policy Purchase Option Survivor Purchase Option

Spouse's Paid-up Insurance Purchase Option

Upromise

Yearly Convertible Term

Cash Cash Cash

Paid-up additional insurance Paid-up additional insurance Paid-up additional insurance

Dividends to accumulate with interest Dividends to accumulate with interest Dividends to accumulate with interest

Dividends to reduce premium Dividends to reduce premium Dividends to reduce premium

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Approved in New York state

Surrender Charges

Issue Ages

$100,000

Minimum Face

Amount

$100,000

Custom Survivorship Whole Life

Riders/Benefits

Dividend Options

4.00%

VariableVariable

Loan Rate

$100,000

Custom Whole Life Whole Life

$50,000

4.00%

$25,000

New York Life

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 10 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product

Participating/ISWL Non-participating Non-participating Non-participating

15 days-age 80 15 days-age 80 15 days-age 79

Premiums Payable to age 100 Premiums payable for 10 yrs Premiums payable for 20 yrs

GTD Interest Rate

Variable, not to exceed 8% Variable, not to exceed 8% Variable, not to exceed 8%

Interest Credited Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable Interest accrues daily on the loan at variable

on Policy Loans rate set annually. rate set annually. rate set annually.

Direct/Non-Direct

Recognition

Non-Direct Recognition Non-Direct Recognition Non-Direct Recognition

None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any paid-to-date plus account values plus any paid-to-date plus account values plus any

paid-up additions minus policy debt paid-up additions minus policy debt paid-up additions minus policy debt

Accidental DB Accidental DB Accidental DB

Children's Benefit Children's Benefit Children's Benefit

Chronic Illness (min. $100k face amount) Chronic Illness (min. $100k face amount) Chronic Illness (min. $100k face amount)

Critical Illness (min. $100k face amount) Critical Illness (min. $100k face amount) Critical Illness (min. $100k face amount)

Disability Waiver of Premium Disability Waiver of Premium Disability Waiver of Premium

Guaranteed Insurability Guaranteed Insurability Guaranteed Insurability

Income Protection Option Income Protection Option Income Protection Option

Term Insurance (up to 3x's base) Term Insurance (up to 3x's base) Term Insurance (up to 3x's base)

Terminal Illness Terminal Illness Terminal Illness

N/A N/A N/A

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Approved in New York state

Issue Ages

Lifetime WL - 20 Pay

$25,000-$2,000,000 $25,000-$2,000,000

Lifetime WL - 10 Pay

Minimum Face

Amount

Riders/Benefits

Surrender Charges

Dividend Options

Loan Rate

$25,000-$2,000,000

Transamerica

Lifetime WL - Pay to 100

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 11 of 12

Whole Life Carriers and ProductsAll carriers shown may not be available. Please check your approved carrier list before proceeding.

C

Company

Product

Participating/ISWL Non-participating

15 days-age 69

Premiums Premiums payable for 30 yrs

GTD Interest Rate

Variable, not to exceed 8%

Interest Credited Interest accrues daily on the loan at variable

on Policy Loans rate set annually.

Direct/Non-Direct

Recognition

Non-Direct Recognition

None. Surrender value is gtd cash value as of

paid-to-date plus account values plus any

paid-up additions minus policy debt

Accidental DB

Children's Benefit

Chronic Illness (min. $100k face amount)

Critical Illness (min. $100k face amount)

Disability Waiver of Premium

Guaranteed Insurability

Income Protection Option

Term Insurance (up to 3x's base)

Terminal Illness

N/A

Changes since last publication

• Features subject to current contract terms at time of sale.

• Carriers and products offered through Crump Life Insurance Services may not be approved for use in all states.

• For informational use only-- Subject to change without notice. Survey based on information from various sources. Prepared for agent use only

Access to products and carriers available through Crump Life Insurance Services

Surrender Charges

Issue Ages

Approved in New York state

Minimum Face

Amount

Lifetime WL - 30 Pay

$25,000-$2,000,000

Riders/Benefits

Dividend Options

Loan Rate

Transamerica

© Copyright 2021 Crump Life Insurance Services, Inc. Last Updated 12/15/2021 Page 12 of 12