Term & Whole Life

RAPIDecision Senior Life With an A- (Excellent) rating from A.M. Best,* Fidelity Lifefrom Fidelity Life AssociationAssociation offers financial strength and security. As aninnovator, we provide the kind of flexibility and quicknessto-market that keeps you ahead of the curve in takingadvantage of opportunities for success.Term & Whole Life The ability to create custom life solutions for yourcustomers. Unique Web-based application and underwritingprocess—among the most convenient in the industry.To learn more about RAPIDecision Senior Life Termand Whole Life from Fidelity Life Association, call us at866.710.1013 or go on the web at www.FidelityLife.com.taking advantage of opportunities for success. Working with you, for lifeFidelity Life Association,A Legal Reserve Life Insurance CompanyFor producer use only. Not for distribution to the general public.www.FidelityLife.comFidelity Life Association is licensed in all states and the District of Columbia, except for WY and NY.RAPIDecision Senior Life Term (policy Forms F3 11, F3 1, F3 31 Series and Whole Life (PolicyForms ICC1 -F3 , F3 Series) and some riders are not available in all states. Some policyfeatures may vary from state to state. A two-year suicide exclusion and contestabili-ty period applies(one year in some states). All applications are subject to under-writing approval. Our NAIC numberis 3 .1 For the latest ratings, go to www.ambest.com.M4101 March 2020 Working with you, for lifewww.FidelityLife.com

RAPIDecision Senior LifeTerm and Whole Life from Fidelity Life AssociationRAPIDecision Senior LifeTerm* Issued from ages 50 through 70 with 10, 20, and 30-yearterms.Fidelity Life Association is proud to offer RAPIDecision SeniorLife Term and RAPIDecision Senior Life Whole Life within our Guaranteed level premiums for the life of the policy.portfolio of products. A competitively priced graded portfolio Premiums are level for the life of the policy, which for the10-year term is to age 80 or 20 years whichever is longer,for the 20-year term is to age 800 or 25 years whichever islonger and for the 30-year term is for 35 years.available in face amounts up to 150,000, these products aredesigned to meet the needs of individuals ages 50-85. Termlengths of 10, 20 and 30 years give a wide range of options tocustomers. The whole life plan provides a great final expense At the end of the level term, in year 11, 21 or 31 whicheveris applicable, there is a one-time reduction in the deathbenefit by 50%.solution.As with our other products, RAPIDecision Senior Life featuresa streamlined sales and approval process that is among theTerm Issue Limitsmost convenient in the industry. There are no exams , no110-Year Termtesting , no waiting and no processing delays. Approval of a1Issue AgeFace Amountspolicy depends on the answers to a few health questions and50-55 10,000 - 150,000results from database sources. Thanks to our unique, web-based56-65 10,000 - 100,00066-70 10,000 - 50,000underwriting process, policies can be issued in as little as 24-4820-Year Termhours. Provides customers with partial coverage immediately.Issue AgeFace Amounts50-55 10,000 - 150,00056-65 10,000 - 100,00030-Year Term Provides full coverage starting in year 4. Offers a variety of payment options.Issue AgeFace Amounts50-55 10,000 - 150,00056-60 10,000 - 100,000 50 commissionable policy fee. Premium class—standard. Convertibility—not applicable. All features or products are not available or applicable inall states.Whole Life* Issued from ages 50 through 85. Guaranteed level premiums and face amounts for the lifeof the policy. Cash value accumulation. Matures at age 121.Whole Life Issue LimitsIssue AgeFace Amounts50-55 10,000 - 150,00056-65 10,000 - 100,00066-75 10,000 - 50,00076-85 10,000 - 25,000Not available or applicable in all states. Minimum face amount for Whole Life is 25,000 for ages 50-85 inthe State of Washington.*

UnderwritingThe Rapid Decision Senior Life products have been designed for simplifiedunderwriting. Although the risk criteria covers individuals with someimpairments, these products are not suitable for applicants with serioushealth or other risk issues or who have a limited life expectancy.General Underwriting Information1. The Proposed Insured must be a U.S. citizen or hold permanent residentstatus (green card) and must reside in the United States.2. In general, applicants living in the United States on a basis of atemporary visa cannot be considered.3. All applications will be underwritten. In addition to the applicationquestions we do routinely obtain MIB, Pharmacy and MVR data.4. Although rare, we reserve the right to request additional evidence ofinsurability on any case and/or conduct a telephone interview.Business Written Across State BordersIn cases where an application is taken outside the applicant’s state ofresidence it should be accompanied by form F1515 (Non-Resident Sale) andinclude an explanation. If the explanation is in compliance with all stateregulations and other laws, Fidelity Life Association will process the case. Ifnot, the application will be rejected.OccupationsTravel by missionaries (and related religious activities), diplomats,journalists, archeologists, geologists, volunteer and foreign aid workerswho travel outside the United States will not be considered. Military andU.S. State Department personnel may be considered on an individualApplication QuestionaireALL questions must be answered “No” to qualify.q Have you ever been diagnosed by a member of the medical professionas having acquired immune deficiency (AIDS) or AIDS related complex(ARC) or tested positive for human immunodeficiency virus (HIV)?q Have you ever been diagnosed with, consulted a member of the medicalprofession or been treated for alzheimer’s disease, dementia, cognitiveimpairment (of any degree) or amyotrophic lateral sclerosis (ALS)?q Are you currently on oxygen for a medical condition, an inpatient oroutpatient in a hospital, clinic or medical facility, or any similar entity orconfined to a nursing facility or assisted living facility?Have you within the past 2 (two) years:q Been diagnosed with, consulted a member of the medical profession orbeen treated for a heart attack (myocardial infarction) or stroke (cerebralvascular accident)?q Been treated for any organ transplant or diabetic complications(amputation, coma or blindness)?q Been treated for cancer (other than basal cell skin cancer), leukemia,lymphoma or melanoma or any other malignancy or kidney disorder?basis.q Been advised by a licensed medical professional to have anyhospitalization or to be admitted to a nursing facility that has yet to becompleted?Foreign Nationalsq Been counseled, treated, advised to discontinue or seek treatment for useof illegal drugs, alcohol or prescription drugs?The standard requirement for our business is that the Proposed Insuredmust be a U.S. citizen or a Permanent Resident (green card holder) livingin the United States.q Been advised by a licensed medical professional that your life expectancyis less than 24 months?q Have you pled guilty to or been convicted of any felony or driving underthe influence of alcohol or drugs?If you have any questions or need clarification on the above questions, youcan contact the Underwriting Department at 866-947-8739 orund@fidelitylife.com.

UnderwritingRider & Premium CalculationRAPIDecision Senior Life Term and Whole Life Height and Weight LimitsAccidental Death Benefit Rider (optional)This rider pays a benefit in the event of accidental death. ADB rider costis 1.00 per thousand. The rider is available at issue ages 50-65 in benefitamounts up to 150,000. Expires at age 80.HeightMinimumWeightMaximum Weightfor over 100,000Maximum Weight for 100,000 or less4' - 8"742273304' - 9"762313344' - 10"792343374' - 11"822383415' - 0"842433465' - 1"87248351The age to use in calculating the premium is the age at the last birthday.Annual premium calculation is the rate per 1,000 times the face amountin 1,000’s plus the policy fee. There is a 50.00 commissionable annualpolicy fee.5' - 2"90254357Example:5' - 3"932623655' - 4"962693725' - 5"99276379For a 60-year old male applying for 50,000 of coverage, the Rapid DecisionSenior Life 10-year term would be calculated at 40.70 x 50 2,035 50.00 2,085.005' - 6"1022843875' - 7"1052933965' - 8"1093014045' - 9"1123094135' - 10"1153174205' - 11"1183254286' - 0"1223344376' - 1"1253424456' - 2"1293514546' - 3"1323614646' - 4"1363704736' - 5"1393804836' - 6"1433894926' - 7"1463975006' - 8"1504045076' - 9"154412515Premium CalculationModal FactorsAnnual1.00Quarterly .28Semi-Annual.52Monthly.087Billing ModesAnnualDirect, Credit Card or EFTSemi-AnnualDirect, Credit Card or EFTQuarterlyDirect, Credit Card or EFTMonthlyCredit Card or EFT

RAPIDecision Senior Life TermAnnual Premiums (rates per 1,000)Premiums & Cash ValuesPolicy Form F3200Cash Values (per 1,000)Whole LifeIssue .92155.82169.21183.07201.00IssueAgeYr 5Yr 10506851715253FemaleYr 20Yr 30Yr 5Yr 10Yr 20Yr ath Benefits for RAPIDecision Senior Life Whole 67081182319471657775272440677812Years 1-383325473656776281453684813The death benefit for any non-accident during the first three years equalspremiums paid plus 5% interest accumulated from the date premiums arepaid until the date of death. The full death benefit is paid upon death due toaccidents during the first three policy 76697817Years 4 and beyondThe full death benefit is paid upon death for any cause after year three.Modal FactorsAnnual1.00Quarterly .28Semi-AnnualMonthly.52.087

Submitting ApplicationsNew Business/Underwriting ContactsOnline Application System: Rapid AppCase StatusRapid App is Fidelity Life’s online application system that allows the agentto sell over the phone, without being physically present with the customer.It provides the ability to obtain the customer’s electronic signature andsubmit the application directly to the company through the Internet in aconvenient, paperless process.For case status, visit our Web site at:https://agents.fidelitylifeassociation.comYour User ID and Password will provide you access to status informationon all of your cases.Toll-Free (888) 440-1540Policy DeliveryFor cases which have requirements due on delivery, we allow 45 days fromthe issue date for these to be received in the Home Office. After this, thecase is closed and the Owner is sent an off risk letter.All of our policies have a 30-day free look period.Getting Your Cases PlacedMailed applications may be accompanied by an initial premium checkfor the first modal premium due.2 We will draw the first premium viacredit card or EFT if no check is received provided the bank or creditcard information is included on the application.If direct billing methodis selected, billing will commence after initial premium is received andapplied.2If initial draft from bank or credit card is not desired, please note on application.Underwriting ContactsUnderwriting at Fidelity Life is completed by a combination of home officestaff and outside underwriting groups. We recognize that producers have aneed to contact an underwriter for any number of reasons and encourageyou to do so. Our success, like yours, depends on being able to putprofitable business on the books.Contact InformationIf you need to contact an underwriter, call (866) 947-8739.This toll-free number searches the underwriting group and finds anavailable underwriter here at the home office.E-Mail: und@FidelityLife.comE-Fax: (866) 947-8734Fidelity Life Website: www.FidelityLife.com