Forethought FreedomSM

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Forethought FreedomSMIssued by Forethought Life Insurance CompanyClient Guide

Forethought FreedomSMHelping you plan for the futureWhile you can’t predict the future, you can plan for it. Life is ajourney and Forethought Life Insurance Company (“Forethought”)wants you to enjoy it. Gain the peace of mind and security youneed to live your life to the fullest by planning for the future.Ask yourself these questions: Do your loved ones know all of your final wishes? Can your loved ones afford to pay for a funeralon a moment’s notice? Do you wish to leave final expenses for yourloved ones to pay?If you answered “No” to any of these questions, you may be leavingmore than a heartache for your family. Be prepared for the future.1

Know the Facts:A traditional funeral, including a casket and vault, costs about 6,000.But when “extras” like monuments, markers, flowers, obituary notices,acknowledgement cards, and service cars are added, the cost substantiallyincreases. Many funerals in the United States cost over 10,000.1 Withfinal expenses on the rise each year, preparing for these costsbeforehand is becoming a necessity.Casket 2,000 Burial Plot 1,625Vault 1,195Funeral Service Fee 1,817Preparation of the BodyExpense of Facilities:Visitation, Ceremony, Hearse, Car, etc.Transportation, Memorial Printing Package,Flowers and Other Expenses 828 1,245 1,500Over 10,000Final expenses may also include: Cemetery costs Monuments Outstanding loans Medical bills Credit card billsWhy is Forethought FreedomSM the Solution? Peace of mind for your familyNo medical examsUp to 25,000 of protectionPremium rates that will never increase Coverage will never lapse, as long as you pay the premiumson time A 30-day, 100% money back, free look period Underwriting available at time of applicationNational Funeral Directors Association and-statistics.htmlCost of adult funeral including extra items in 2009. Source: National Funeral Directors Association3Federal Trade Commission: Funerals: A Consumers Guide www.ftc.gov122among the mostexpensive purchasesAverage Cost for Final Expense2Total“Funerals rankmany consumerswill ever make.”3

The Forethought Freedom DifferenceSMForethought is committed to helping you cover the costsassociated with end-of-life expenses, including funeralexpenses, medical bills, or other obligations that may occurwith a death. Forethought FreedomSM provides value andpeace of mind for you and your loved ones.In addition to a simplified product offering, Forethought FreedomSM also provides you with a unique value offering.The following are highlights of the benefits offered.Forethought FreedomSM benefits include: Whole Life Insurance Protection from 2,500 to 25,0004Issue ages 50–80Affordable, competitive premiumsElectronic Funds Transfer (EFT) for monthly payment plansDeath benefits are not considered taxable incomeClaims are processed within 48 hours5Reduced rates for non cigarette smokers Forethought Funeral Planning NetworkSM offers access tothe country’s largest end-of-life network of funeral homesand cemeteries Retirement and end-of-life planning tools available throughwww.forethought.com 45Coverage limits will vary with risk classification.Subject to review and must be not contestable.3

Supplemental benefits at no additional cost.6 Accidental Death Benefit If death occurs from a covered accident, your benefit will be doubled.7 Accelerated Death Benefit Provides 97% payout of the base policy face amount if a licensed physician determines you have a lifeexpectancy of six months or less.8 Grandchildren’s Benefit Provides coverage for eligible grandchildren ages 6 months up to 18-years-old at issue. The benefitamount is 5,000 or the base policy face amount, which ever is lower, and will be paid only one time.9In addition, Forethought FreedomSM offers a simple, step-by-step process to help you avoid theconfusion often associated with end-of-life planning. From assistance in selecting the appropriatecoverage to planning for your end-of-life needs, Forethought offers more than just an insurance policy.Coverage may vary by state. Not all supplemental benefits are available in all states.Available to issue ages 50 through 70 only. Coverage terminates on the policy anniversary following attained age 75. Not available for all risk classifications.8 Less any policy loans, premiums due, and a transaction fee. The policy terminates following payment of the Accelerated Death Benefit and cannot be reinstated.Not available for all risk classifications. May not be available during the first 12 or 24 policy months. Coverage may vary by state.9 All coverage under this benefit terminates on the earlier of the payment of one Grandchildren’s Benefit or termination of the base policy for any reason.Grandchildren over the age of 18 at policy issue will not be covered. Coverage for any particular grandchild will end on his or her 22nd birthday.67 4

With Forethought Freedom ,you will be prepared for the future.SMMeet a couple who was glad they had Forethought on their side.Meet the Robinsons.David and Mildred Robinson agreed years ago they needed to have a financialbackup plan if something were to happen to one of them. They chose to workwith a Forethought agent to help with all their financial planning. When Davidwas diagnosed with Parkinson’s disease, instead of worrying about how theywere going to pay for everything, they went on a trip to visit their grandchildren.Knowing they had all of their expenses covered allowed the Robinsons to enjoylife to the fullest.Meet an individual who wished she would have been introducedto Forethought Freedom much earlier in life. Meet Barbara.SMBarbara lost her husband in a car accident. Unfortunately, they had not preparedfor any final expenses and Barbara could not afford to pay for the funeral serviceshe felt her husband deserved. Barbara acquired debt to pay for the funeralservices and medical bills she incurred. She was also unsure of her husband’sfinal wishes. Barbara wished she had a final expense insurance policy to help herthrough the tough times. Realizing it was not too late for her to keep her childrenfrom experiencing the pain of planning her funeral, she immediately called aForethought agent. Now, she doesn’t worry about how her children will handleplanning and paying for her final expenses.Be prepared for the future. Have the peace of mind and security you deserveso you can live your life to the fullest. Fund your final expenses today.5

Trust Forethoughtwhen it matters mostWith Forethought Life Insurance Company youcan be confident your security comes first. Weare proud to have served millions of consumerswho have placed their trust in Forethoughtto help them protect their families’ financialfutures. Forethought has built its reputationthrough more than 25 years of quality serviceand reliability. For more information, pleasevisit www.forethought.com.For you. For them. Forethought FreedomSM

Forethought FreedomSM is funded through the purchase of whole life insurance from Forethought Life Insurance Company,Indianapolis, Indiana. Depending upon payment plan selected, death benefit may vary up to the first three policy years. Arepresentative who may also be an agent of Forethought Life Insurance Company can answer any questions you may have.Forethought Life Insurance CompanyAdministrative OfficeOne Forethought CenterBatesville, IN 47006www.forethought.comM8479-01 2011 Forethought0711

coverage to planning for your end-of-life needs, Forethought offers more than just an insurance policy. 6 Coverage may vary by state. Not all supplemental benefits are available in all states. 7 Available to issue ages 50 through 70 only. Coverage termin

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