Viva 100 Universal Variable Life

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Universal Variable Life

Viva 100

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Protection with excellent accumulated value based on international mutual funds investments

Viva 100

・ Combines the flexibility and protection of the Universal Life insurance with international mutual fund investments.

・ Policy values are based on the performance of an array of available investment funds, which could provide significant earnings.

・ As a protection to the policyholder, policy accumulation values are held in a separate account from the assets of the insurance company.

・ Premium payments and benefits may vary to suit customer needs.

・ Wide variety of mutual funds available, allowing combinations and diversification of risk.

・ The mutual fund transaction takes place in the NY Stock Exchange or other world markets.

・ Additional deposits may be made any time.

・ Partial withdrawals option available. WHY VIVA 100?

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

・ US$100,000

INITIAL PREMIUM

・ US$1,500

・ 1-75 years

・ Accelerated Death Benefit (Included) MINIMUM FACE AMOUNT

AGES OF ISSUE

AVAILABLE RIDERS

Rev. 07/2015. The death benefit of life insurance policies is tax-exempt in the United States. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.

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A life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of a disability, a loss in capital, or death

Fund performance Paid premiums

Cost of insurance (monthly) Administrative charge (monthly) Partial withdrawals

Accumulated Value

Growth of Accumulate Value

(tax-exempt)

OPTION A

provides a greater accumulation of money while maintaining a level death benefit.

OPTION B

provides an increasing death benefit during the life of the policy.

Accumulated Value Level

Death Benefit

Increasing Death Benefit

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

HOW DOES THE POLICY WORK?

PROTECTION OPTIONS

FINANCIAL COLLATERALLOAN FUND FOR

UNEXPECTED COSTS

INHERITANCE PAYMENTTAX

CONTINUITY OF EDUCATION FOR YOUR CHILDREN BUSINESS

CONTINUITY FAMILY

PROTECTION PAYMENT^DEBTS SAVINGS AND

RETIREMENT ^DEATHCOSTS

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Universal Life

Lifetime

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・ A universal life policy combines two important factors: PROTECTION AND SAVINGS.

・ Offers flexible premiums, adjustable protection and a minimum guaranteed interest rate.

・ Provides excellent value accumulation at competitive interest rates higher than the average banking rates.

・ Allows to increase or decrease face amount.

・ Provides liquidity based on loans and partial withdrawals.

・ Allows to select mode and frequency of premium payments.

・ Provides the option to increase, decrease or suspend payment of premiums, as long as the policy has available values to cover monthly charges and cost of insurance.

・ Represents a solid asset that complements your investment and insurance portfolio.

・ In addition to the accumulation of values typical of a universal life policy, Lifetime offers guaranteed values available through loans and partial withdrawals.

WHY A UNIVERSAL LIFE INSURANCE? Guaranteed values

Lifetime

MINIMUM FACE AMOUNT

・ US$100,000

・ 20-75 years AGES OF ISSUE

・ Family Income

・ Accidental Death

・ Term Life Insurance

・ Waiver of Monthly Charges

・ Transfer Option (Included)

・ Accelerated Death Benefit (Included) AVAILABLE RIDERS

Lifetime

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

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Interest Paid premiums

Loans Cost of insurance (monthly)

Administrative charge (monthly) Partial withdrawals

Accumulated Value

Cash Value

OPTION A

OPTION B

Death Benefit

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

PROTECTION OPTIONS

UNEXPECTED COSTS

CONTINUITY FAMILY

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Universal Life

Nova

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Excellent Accumulation

Nova

・ Offers excellent value accumulation.

・ US$100,000

・ 1-75 years

Nova

・ Represents a solid asset that complements your investment and insurance portfolio. WHY A UNIVERSAL LIFE INSURANCE?

・ Family Income

AGES OF ISSUE

MINIMUM FACE AMOUNT

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

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Accumulated Value

Cash Value

OPTION A

OPTION B

Accumulated Value

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

PROTECTION OPTIONS

Level

Death Benefit

UNEXPECTED COSTS

CONTINUITY FAMILY

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Universal Life

Uniterm

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Excellent protection at low cost

Uniterm

・ Combines the advantages of low cost term insurance with the accumulated values of a universal life plan.

・ Offers high face amounts at low cost.

・ US$250,000

・ 20-75 years

Uniterm

・ Family Income

AGES OF ISSUE

MINIMUM FACE AMOUNT

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

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Accumulated Value

Cash Value

OPTION A

OPTION B

Accumulated Value

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

PROTECTION OPTIONS

Level

Death Benefit

UNEXPECTED COSTS

CONTINUITY FAMILY

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Universal Life

Univida

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COASEGURO

PERÍODO DE ESPERA

Excellent protection at low cost with continuous or limited premium payments

Univida

・ Provides attractive cash value accumulation and protection.

・ US$250,000

・ 18-75 years

Univida

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

MINIMUM FACE AMOUNT

AGES OF ISSUE

・ Family Income

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OPTION A

OPTION B

Death Benefit

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

PROTECTION OPTIONS

Accumulated Value

Cash Value HOW DOES THE POLICY WORK?

UNEXPECTED COSTS

CONTINUITY FAMILY

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Universal Life

Uniplus

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Maximum protection with excellent savings

Uniplus

・ Provides a wider range between Minimum and Target Premium.

・ US$50,000

・ 1-75 years

Uniplus

・ Family Income

AGES OF ISSUE

MINIMUM FACE AMOUNT

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

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Accumulated Value

Cash Value

OPTION A

OPTION B

Accumulated Value

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

PROTECTION OPTIONS

Level

Death Benefit

UNEXPECTED COSTS

CONTINUITY FAMILY

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Universal Life

Unidos

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Unidos

・ Is a joint life insurance policy aimed at protecting two persons. Death benefit payable on the first death.

・ Insurable combinations: - Spouses

- Parents/Children - Business Partners

・ In case of simultaneous death within 24 hours as consequence of one same accident; the policy will pay the death benefit on both lives.

・ If the second death occurs more than 24 hours after the first death, policy proceed will be paid on the first deceased insured only.

・ If the cause of death is other than accidental, policy proceeds will be paid on the first deceased insured.

・ US$100,000

・ 18-65 years

Unidos

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

・ Provides excellent value accumulation at competitive interest rates higher than the average banking rates not subject to stock market volatility.

・ Provides liquidity based on loans and partial withdrawals of cash value.

MINIMUM FACE AMOUNT

AGES OF ISSUE

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OPTION A

OPTION B

Death Benefit

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

PROTECTION OPTIONS

Accumulated Value

UNEXPECTED COSTS

CONTINUITY FAMILY

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Indexed Life

Best Indexed

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COASEGURO

PERÍODO DE ESPERA

・ Accumulates value based on the performance of a stock index.

・ Combines two important factors: PROTECTION AND SAVINGS.

・ Allows to select one of two stock indices: Standard & Poor´s 500 (S&P500) or NASDAQ Composite Index (NASDAQ).

・ Accumulated value will perform based on calendar year index performance.

・ Offers an initial participation factor of 75%.

・ Provides unlimited growth potential (no caps).

・ Offers a minimum guaranteed return of 0%, which ensures integrity of accumulated value in years of negative performance of the stock index.

・ Offers flexible premiums and adjustable protection.

・ Allows partial withdrawals of the cash value.

・ Illustration projects policy values based on actual historical performance during the past 15, 25 and 35 years. WHY BEST INDEXED?

Accumulated value based on the performance of a stock index

Best Indexed

MINIMUM FACE AMOUNT

・ US$100,000

・ 1-75 years AGES OF ISSUE

・ Family Income

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

(24)

Index performance Participation factorx Paid premiums

Accumulated Value

OPTION A

OPTION B

Accumulated Value

Years

Accumulated Value

Years

$

^{OPTION A}

$

^{OPTION B}

PROTECTION OPTIONS

Level

Death Benefit

UNEXPECTED COSTS

CONTINUITY FAMILY

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Whole Life

Best Guarantee

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Level premiums, guaranteed protection and values

Best Guarantee

MINIMUM FACE AMOUNT

・ US$50,000

AGES OF ISSUE

・ 1-75 years

PERÍODO DE ESPERA

・ BEST GUARANTEE is a whole life policy ideal for long-term protection. Directed to young executives who wish to pay up their life policy in a short period of time, business partners who want an accumulated net worth or families who desire guaranteed protection with guaranteed cash values.

・ This product provides guaranteed stability unmatched by no other insurance plan.

・ Offers guaranteed costs and level protection.

・ Provides guaranteed level premiums payable in 8, 10 or 15 years. Once premiums are duly paid in the chosen period, coverage will remain in force to age 121.

・ Offers guaranteed cash values that can be withdrawn from the policy as loans. WHY BEST GUARANTEE?

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

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120 years Age 1 year

Guaranteed cash values Guaranteed protection

Guaranteed premiums

UNEXPECTED COSTS

CONTINUITY OF EDUCATION FOR YOUR CHILDREN BUSINESS CONTINUITY FAMILY

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Whole Life

Horizon

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Guaranteed issue without evidence of insurability

Horizon

・ US$100,000

・ US$500,000

・ 18-69 years AGES OF ISSUE PERÍODO DE ESPERA

・ HORIZON is a whole life policy ideal for clients whose medical condition does not allow them to be insured under a traditional life insurance policy.

・ Policy issued without evidence of insurability.

・ Variable death benefits on first ten years of the plan.

・ Offers guaranteed costs and level protection.

・ Provides guaranteed level premiums.

・ Offers guaranteed cash values. WHY HORIZON?

MINIMUM FACE AMOUNT

MAXIMUM FACE AMOUNT

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

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VARIABLE BENEFITS

100 years Age 1 year

Second to fifth year Sixth year

Seventh year Eight year Ninth year

After the ninth year

Beneficiaries will receive return of premiums paid Beneficiaries will receive 20% of insured face amount Beneficiaries will receive 40% of insured face amount Beneficiaries will receive 60% of insured face amount Beneficiaries will receive 80% of insured face amount Beneficiaries will receive 100% of insured face amount

Guaranteed protection

Guaranteed cash values Guaranteed premiums

UNEXPECTED COSTS

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Term Life

Term 95

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Term 95

MINIMUM FACE AMOUNT

・ US$250,000

PROTECTION PERIOD

・ 5, 10, 15, 20 and 30 years

・ Term 95 is a term life policy highly recommended to cover individual or business temporary needs.

・ Offers protection for specific periods of time.

・ It does not accumulate values, which allows it to be offered at an affordable cost.

・ Issued with automatic renewal benefit. At the end of the period originally contracted the policy is automatically renewed for another period of the same duration without requiring evidence of insurability. Renewal premium is calculated based on attained age.

・ When contracted for 20 or 30 years it may be purchased with a Return of Premium Rider, which will guarantee that at the end of the initial term period, all premiums paid will be returned to the policyholder less administrative fees. Even after receiving the return of premiums, you can maintain your protection only paying the corresponding annual premium.

WHY TERM 95?

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

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・ Return of Premium (available for 20 and 30 years)

seulaV detalumuccA oN

Level Protection

Level Premium

$ HOW DOES THE POLICY WORK?

20 _{95 years}

Age 21 years ³⁰

A term life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of death

FINANCIAL COLLATERALLOAN INHERITANCE

PAYMENTTAX

CONTINUITY OF EDUCATION FOR YOUR CHILDREN FAMILY

PROTECTION PAYMENT^DEBTS ^DEATHCOSTS CONTINUITY^BUSINESS

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Term Life

Term 100

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Term 100

MINIMUM FACE AMOUNT

・ US$250,000

PROTECTION PERIOD

・ 5, 10, 15, 20 and 30 years

・ Term 100 is a term life policy highly recommended to cover individual or business temporary needs.

・ Offers protection for specific periods of time.

・ It does not accumulate values, which allows it to be offered at an affordable cost.

・ Issued with automatic renewal benefit. At the end of the period originally contracted the policy is automatically renewed for another period of the same duration without requiring evidence of insurability. Renewal premium is calculated based on attained age.

・ When contracted for 20 or 30 years it may be purchased with a Return of Premium Rider, which will guarantee that at the end of the initial term period, all premiums paid will be returned to the policyholder less administrative fees. Even after receiving the return of premiums, you can maintain your protection only paying the corresponding annual premium.

WHY TERM 100?

Feel the TRANQUILITY

of knowing that the

future of your family

and your wealth

are protected

(36)

・ Return of Premium (available for 20 and 30 years)

seulaV detalumuccA oN

Level Protection

Level Premium

$ HOW DOES THE POLICY WORK?

20 _{100 years}

Age 21 years ³⁰

A term life insurance policy provides financial security to protect your loved ones, your wealth and your financial responsibilities in the event of death

FINANCIAL COLLATERALLOAN INHERITANCE

PAYMENTTAX

CONTINUITY OF EDUCATION FOR YOUR CHILDREN FAMILY

PROTECTION PAYMENT^DEBTS ^DEATHCOSTS CONTINUITY^BUSINESS

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Riders

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・ This rider provides additional yearly income helping beneficiaries maintain their current life style.

・ Available for the following life plans: Lifetime, Nova, Uniterm, Univida, Uniplus and Best Indexed.

・ Annual payments during 10 or 20 years starting from date of death of the insured.

・ Minimum benefit is US$25,000 per year, and maximum up to 30% of the face amount of the base policy. FAMILY INCOME

・ Provides additional coverage up to US$250,000 when death occurs by accidental causes.

・ Low yearly cost of US$1.75 per thousand.

・ The coverage of this rider cannot exceed the face amount of the base policy. ACCIDENTAL DEATH

・ Provides Term Life insurance in addition to base Universal Life plan.

・ Offers higher coverage at lower costs in combination with the benefit of accumulated values of the Universal Life plan.

・ Minimum benefit is US$50,000 per year, and maximum up to 5 times the face amount of the base policy. TERM LIFE INSURANCE

Riders

Rev. 07/2015. The information contained in this brochure is for informative purposes, please refer to policy contract for detailed benefit coverage.

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future of your family

and your wealth

are protected

(39)

・ BMI will waive life insurance charges when insured becomes totally disabled and disability continues for at least six consecutive months.

・ This rider ensures the policy will remain in force without requiring additional premium payments.

・ Total disability is defined as the inability, due to injury or illness, to engage in insured’s regular occupation or any occupation for which he is reasonably trained by education or experience.

WAIVER OF MONTHLY CHARGES

・ If insured’s medical condition is terminal and life expectancy is of no more than twelve months, BMI will pay up to 50% of the insured sum payable by death (up to a maximum of US$250,000).

・ To enjoy this benefit the policy must have two years in force.

・ This rider is offered at no additional cost. ACCELERATED DEATH BENEFIT

・ This rider provides the option of transferring a policy from parent to child or an executive to another (if the company is the policy owner).

・ The new proposed insured must submit an application and insurability requirements.

・ The date of issue of the new policy will be the same as the original policy.

・ The age of issue will be determined by the original date of issue, allowing new insured to pay inferior rates than his current age.

・ This rider is offered at no additional cost. TRANSFER OPTION

UNEXPECTED COSTS

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