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HomeCertain. Point-of-Sale Flip Chart. It Can be Used to Pay Your Mortgage if You Die Refunds All Your Money if You Live

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ADLF 2865 0499 Rev. 10-2002

HomeCertain

Point-of-Sale Flip Chart

It Can be Used to Pay Your

Mortgage if You Die

Refunds All Your Money if You Live

SM

Insurance if You Need it –

Assurance if You Don’t

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Losing Your Home

is a Real Risk

Every year, many families lose their homes.

The reason...

They fail to protect this important asset from

• Death

• Critical Illness

• Disability

• Unemployment

They find they do not have enough money to pay bills and taxes to

clear the estate, or there is not enough income to support the family

and home.

It can happen to YOU.

• The 1999 age-adjusted death rate for the United States was

881.9 deaths per 100,000, a 0.7 percent increase from the

1998 rate.

*

• One out of every four American deaths is due to some form

of cancer.

**

• For persons aged 15 years and over, a total of 5,651 deaths were

reported on death certificates due to injuries at work.

***

• One out of every ten American workers will become unemployed

this year for a week or more. Most will remain unemployed for

more than 13 weeks.

****

*National Vital Statistics Report, Vol. 49, No. 8, September 21, 2001. **National Cancer Institute, October 2001.

***National Vital Statistics Report, Vol. 49, No. 8, September 21, 2001.

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Don’t Take a Chance

on Losing Your Home

It is easy and affordable to

secure your family’s future

and their home.

HomeCertain:

• Easy, affordable life insurance protection

for your family’s future

• Funds can be used to pay off the mortgage or

other debts

• Income to support your family

• Money to pay bills and estate taxes

“HomeCertain represents a commitment on

our part to provide assurance and security at

a time in your life when you need it the most.”

Harry Stout, President

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The HomeCertain Advantage

Upon Death - HomeCertain provides a death

benefit that can be used to pay off your mortgage

balance, leaving your family without payments

and in their own home.

Upon Disability - HomeCertain can provide a

monthly benefit roughly equal to your mortgage

payment for up to two years.

Upon Critical Illness - HomeCertain can provide

a lump sum payment if the insured is diagnosed

with a covered critical illness. It is suggested that

a benefit equal to 12-24 months of mortgage

payments be purchased; however, a benefit can

be purchased up to 100% of the base policy face

amount.*

*Certain states only allow for a lump sum payment of up to 50%. Full rider benefits cannot exceed $250,000. The rider may not be available in all states.

Upon Unemployment - HomeCertain pays the

coverage premium while the insured is

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But What If I Never

Need the Protection?

What Happens to

My Premiums?

Choose HomeCertain’s Money Back Rider and

GET ALL YOUR PREMIUMS REFUNDED AT

THE END OF THE COVERAGE TERM!

That’s right. HomeCertain can refund all of

your premiums if you never use a protection

feature of the product!

Even if you use some of the features but don’t die,

you will still receive a refund of the premiums,

minus the amount paid out in benefit if the policy ends

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A HomeCertain Example:

Mr. and Mrs. Stone (both age 35 and

nonsmokers) have decided to protect their

family’s future with a HomeCertain level

term policy.

The Stones also have a 30-year fixed mortgage

and have requested a $100,000 HomeCertain policy.

They have four convenient options to choose from.

*Maximum Monthly DI Benefit (on basic insured only) - $1,500 ($1,500 x 24 months = $36,000 maximum in total benefits) **Critical Illness Benefit (on basic insured only) - $1,500 ($1,500 x 24 months = $36,000 paid in lump sum).

†Beginning at the end of coverage year six, an increasing percentage of premiums paid is refunded at early termination. Note: F&G Life offers a choice of payment modes. Payment modes other than annual result in higher premiums being paid.

HOMECERTAIN (OPTION #1)

$43.38

Life Insurance Protection for 30 Years

Unemployment Protection for up to 6 months

Accidental Death Benefit of $50,000

HOMECERTAIN (OPTION #2)

$54.18

Life Insurance Protection for 30 Years

Unemployment Protection for up to 6 months

Accidental Death Benefit of $50,000

Refund of All Premium

(Premium Refund of $19,505)

HOMECERTAIN (OPTION #3)

$89.28

Life Insurance Protection for 30 Years

Unemployment Protection for up to 6 months

Accidental Death Benefit of $50,000

Refund of All Premium

(Premium Refund of $32,141)

Disability Protection*

HOMECERTAIN (OPTION #4)

$107.88

Life Insurance Protection for 30 Years

Unemployment Protection for up to 6 months

Accidental Death Benefit of $50,000

Refund of All Premium

(Premium Refund of $38,837)

Disability Protection*

Critical Illness Protection**

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What Do You Want in

Your HomeCertain Policy?

• Death Benefit Sufficient to Cover Mortgage

Balance or other debts

• Refund of Premium if Protection Isn’t Needed

• Disability Protection

• Critical Illness Protection

• Accidental Death Protection

• Unemployment Protection

• Other Insured Protection

• Ultimate Income Distribution

• Children’s Protection

Note: The Child’s Rider, the Critical Illness Rider, the Ultimate Income Rider, the Unemployment Rider, the Accidental Death Benefit Rider, and the Waiver of Premium Rider coverages only apply to the primary insured.

Let’s Talk About Your Needs,

and Your HomeCertain Policy ...

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HomeCertain

SM

Protection when you need it;

a refund if you don’t!

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About F&G Life

Fidelity & Guaranty Life Insurance Company - headquartered in

Baltimore, Maryland - offers a diverse portfolio of annuities and

life insurance products to help families and businesses achieve

secure financial futures.

Incorporated in 1959, we are licensed in 49 states and in the

District of Columbia. In New York, products are available

through a wholly owned subsidiary.

F&G Life is a member of the Old Mutual plc group of companies.

Founded in 1845, the London based Old Mutual is active in life

insurance, asset management, banking, and property and

casualty insurance. Old Mutual maintains its primary listing on

the London Stock Exchange (LSE: OML) and ranks as a FTSE 100

financial services group.

As one of the first members of the Insurance Marketplace

Standards Association, we subscribe to a strict set of standards

that confirm our commitment to honesty, fairness, and integrity

in every aspect of the sales and service of life and annuity

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Consider all the facts, then make your own decision.

F&G Life offers term life insurance products with different product features, benefits, and charges, including

different term durations, issue ages, guaranteed premium periods, and underwriting classifications.

For all of the details about the dynamic HomeCertain from F&G Life, contact your licensed sales

representative today, e-mail us at contact-us@fglife.com, or visit us on the World Wide Web at

www.fglife.com.

Of course, as with any other insurance product, when you select a life insurance policy, you must carefully

consider your own financial situation and the many alternatives available to you. No single life insurance

product design may have all of the features you find desirable. Therefore, it is important to understand the

features available so that you can make the best decision for you and your family.

This product is offered on a group or individual basis as determined by state approval. Individual Policy Form: FGL MLT-U (9-98); FGL MDT-U (10-98); et al.

Certificate Form: FGL MLT-U-C (9-98); FGL MDT-U-C (10-98); et al.

Terms and conditions are set forth in the Group Policy Number: FGL MLT-U-P (9-98); FGL MDT-U-P (10-98); et al, issued to the Trustee of the F&G Group Insurance Trust, Wilmington, Delaware. It is subject to the laws of the state in which it is issued. A certificate of coverage will be issued to persons who become insured under the plan.

Comments contained in this brochure reflect our understanding of the current tax law treatment of this type of contract. Since the laws are subject to different interpretations and possible changes in the future, we recommend that clients

consult their own tax advisors.

This document is not a legal contract and descriptions of policy provisions are only partial. For exact terms and conditions, please refer to the policy. The policy, riders and/or certain features of the policy and riders may not be available

in all states.

Not a deposit • Not FDIC insured • Not insured by any Federal Government Agency • Not guaranteed by a financial institution (such as a bank, savings association or credit union) • The financial institution may not condition an extension of credit on the consumer’s purchase of an insurance product or an annuity from the financial institution or any of its affiliates. The consumer is free to purchase the insurance product or annuity from another source.

References

Related documents

I have provided the applicable disclosures for this product to my client  Yes I have attached a recent statement for each of the account(s) used to fund this annuity  Yes

• Accelerated Benefit Insurance Rider - Terminal Condition (inherent rider included in the premium at no additional cost.).. • Accidental Death Benefit Rider

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• Chronic Illness Accelerated Death Benefit Rider • Critical Illness Accelerated Death Benefit Rider for complete details on these benefits, refer to your policy. The

You can further customize your coverage by selecting from one of the numerous available riders including: Accidental Death Benefit; Child Rider; Disability Income Rider; Terminal