7/30/2019 Product Detail Flatsheet

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PRODUCT DETAILS SHEET

Underwriting Classes1

Lvl Dat BnitGradd Dat BnitRtrn Prmim Dat Bnit

RatesMal and mal ratsSmkr and nnsmkr rats

Death BenefitLevel: Fll a amnt and SpplmntalAidntal Dat Bnit availabl

Nn Aidntal Dat = Fll a amnt nlyAidntal Dat = Fll a amnt plsSpplmntal Aidntal Dat Bnft amnt

Graded: Fll a amnt (prratd) andSpplmntal Aidntal Dat Bnft availabl

Nn Aidntal Dat = Fll a amnt nly(prratd)

Yar 1 = 30% a amntYar 2 = 70% a amntYar 3+ = Fll a amnt

Aidntal Dat Bnft = Fll a amntpls Spplmntal Aidntal Dat Bnftamnt

Return of Premium: Prratd. SpplmntalAidntal Dat Bnft nt availabl

Nn Aidntal Dat Bnft = Rtrn Prmim (prratd)

Yar 1 = 110% prmims paidYar 2 = 110% prmims paidYar 3+ = Fll a amnt

Aidntal Dat = Fll a amnt nlyN Spplmntal Aidntal Dat Bnft

Issue Ages5080

Face AmountsMin. Max.

Lvl: $2,500 $25,000Gradd: $2,500 $15,000Rtrn Prmim: $2,500 $10,000

Supplemental Benefits1Aidntal Dat Bnit: I dat rs rm avrd aidnt, tis bnit ill b 100% ta amnt. Tis bnit is availabl immdiatly.2

Nt availabl it t Rtrn Prmim DatBnit.

Grandildrns Bnit: Prvids vrag r

ligibl grandildrn ags 6 mnts p t 18 yarsld at iss. T bnit amnt is $5,000 r tbas pliy a amnt, ivr is lr, andill b paid nly n tim. Tis bnit ds ntav a nvrsin privilg.3

Alratd Dat Bnit: Prvids 97% t baspliy a amnt payt i a linsd pysiiandtrmins t insrd as a li xptany sixmnts r lss.4 Nt availabl it t Rtrn Prmim Dat Bnit.

Forethought FreedomSM

1 Coverage may vary by state. Not all supplemental benefits areavailable in all states or with all underwriting classes.2 Available at issue ages 50 through 70 only. Coverage terminates onthe policy anniversary following attained age 75. Not available for allrisk classifications.

3 All coverage under this benefit terminates on the earlier of thepayment of one Grandchildrens Benefit or termination of the basepolicy for any reason. Grandchildren over the age of 18 at policy issuewill not be covered. Coverage for any particular grandchild will end onhis or her 22nd birthday.

4 Less any policy loans, premiums due, and a transaction fee. The policyterminates following payment of the Accelerated Death Benefit andcannot be reinstated. Not available for all risk classifications. May notbe available during the first 12 or 24 policy months.

Product DescriptionFrtgt FrdmSM is a l li insran prdt dsignd t lp yr lint vr t stsassiatd it nd--li xpnss. Ts inld nral xpnss, mdial bills, and tr bligatinstat may r n t lint passs aay. In additin t bing a simpliid prdt, FrtgtFrdmSM prvids yr amilis it a niq val ring.

FoR AGeNT uSe oNLY NoT FoR uSe wITh coNSuMeRSM8478-02 2012 Frt0212

Issd by Frtgt Li Insran cmpany (Frtgt)

7/30/2019 Product Detail Flatsheet

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Annual Policy Fee$39.00

Premium Modal FactorsMntly eFT 0.0865Qartrly 0.2600Smiannal 0.5150Annal 1.0000

UnderwritingFrtgt as partnrd it Apptial, In.(Apptial) t prrm r ndrriting intrvis.At t pint sal, atr y av ad tappliatin and hIPAA atrizatin mpltd,signd and datd by t Prpsd Insrd, y anntat Apptial r t intrvi at 1-800-737-6972dring t lling rs:

MndayFriday: 8:30 AMMidnigt eST.Satrday & Snday: 10:00 AM8:00 PM eST.

Pn intrvis an b sdld r appliantstat annt b rad dring nrmal bsinssrs by alling 1-800-737-6972. At t nd tpn intrvi, Apptial ill prvid y itt ndrriting disin and advis y indrriting lass y an r t PrpsdInsrd. Plas all sing a land lin. It prvidsmr larity tan a ll pn.

Fr intrvis nt mpltd at t rqst sal,Frtgt ill pla t intrvi it Apptial

atr y av rardd t appliatin andatrizatin t Frtgt.

Fr qstins rgarding pn intrvis nly,ntat Apptial at 1-800-737-6972.

* Please be aware that Forethought must receivethe application within 14 days of completion of thetelephone interviewregardless of the underwritingdecision.

Frtgt FrdmSM is ndd trg t pras l li insran rm Frtgt Li Insran cmpany, Indianaplis, Indiana.

Contact InformationoNLINe SeRVIceS:

Ass prdt inrmatin, srvi dtails,mmissin and pliy rprts, and trvalabl inrmatin by lgging n twww.forethought.com.

AGeNT cuSToMeR SeRVIce:

call 1-888-606-6372 r assistan it prdtsals, mmissins, and agnt ntrating.

Sbmitting a n bsinss appliatin:Fax t 1-877-432-1646email t inal.xpns@rtgt.m

FoReThouGhT MAILING ADDReSSeS:Frtgt FrdmAttn: N BsinssP.o. Bx 148

Batsvill, IN 47006ovrnigt DlivryFrtgt Frdmon Frtgt cntrBatsvill, IN 47006

SuPPLY oRDeRS:ordr yr spplis nlin atwww.forethought.com.

email yr rdr r prssing t

inal.xpns@rtgt.m.cntat 1-888-606-6372 r assistan itplaing an rdr.

cLIeNT cuSToMeR SeRVIce:clints may ass spii pliy dtails trgr stmr srvi via pn r mail.

Pn: 1-888-606-6372email: inal.xpns@rtgt.m

FoR AGeNT uSe oNLY NoT FoR uSe wITh coNSuMeRSM8478-02 2012 Frt0212