SILVER PREMIER CHOICE WHOLE LIFETRAINING GUIDE

An AFBA related enterprise

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Introduction 1Agent Responsibilities 1Privacy Of Customer Information 1

CONTACTING US 2 PRODUCT DETAILS 3

About Silver Premier Choice Whole Life 3Availability 3Cash Value 3Coverage Amount 3Death Benefit 3Eligibility 3Premiums 4Premium Modes 4Choosing the Draft Date 4Social Security Direct Express 5Direct Bill 5Automatic Loan Provision 5Risk Class & Underwriting 6

COMPLETING THE APPLICATION 7Helpful Tips to Completing 5Star Application 7 Save Age 9Point of Sale Interview 9

SUBMITTING AN APPLICATION 10Faxing Your Application 11Mailing Your Application 11Surrenders 12Policy Lapse 12Policy Re-writes 12Policy Increases & Decreases 12Exclusions 12

SILVER PREMIER CHOICE WHOLE LIFE

NON-FORFEITURE OPTIONS 13Automatic Premium Loan 13Extended Term Insurance 13Paid-Up Insurance 13

SALES PRACTICES 14 Sales Best Practices 14Create a Big Picture Solution 15Keep Up with Compliance 15Maintain Client Contact 15Prohibited Practices 15Ethical Guidelines 15Marketing and Selling to the Senior Market 16Advertising/Sales Literature 16Field Underwriting 16Licensing & Contracting 16Insurable Interest 16Replacements 17

TOP TIPS TO REMEMBER 19

Exhibit 1—Silver Premier Choice Rates per $1,000 21Exhibit 2—Miscellaneous Notices To Applicants 23Exhibit 3—Request for Approval of Advertising 24Application FORM 25-28Checkmatic Authorization Form 29Credit Card Authorization Form 30Training Guide Acknowledgement Form 32Notes 31, 33

TABLE OF CONTENTS

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AGENT RESPONSIBILITIESAs an agent representing 5Star Life, you are required to conduct your sales activities within the following guidelines:

• Ensure that customers are presented with the insurance product appropriate for their needs.

• Clearly and completely describe the product as life insurance and clearly explain all its provisions.

• Ensure that the application and all required forms are fully and accurately completed and submitted to 5Star Life in a timely manner.

• Be licensed in the state in which you are taking the application and identify that location on the application.

PRIVACY OF CUSTOMER INFORMATION5Star Life is required by state and federal law to implement Privacy policies and procedures to protect the personal information of its customers. Our policy is that personal and medical information is not disclosed to anyone other than its affiliated companies, and then only as required to carry out our business.

As an agent of 5Star Life, you are responsible for keeping confidential, protecting, securing and not sharing, revealing or disclosing to any party other than 5Star Life, any personal customer information you receive in applications, or other forms associated with life insurance benefits or programs offered through 5Star Life.

SILVER PREMIER CHOICE WHOLE LIFE

INTRODUCTIONOur number one priority is to process your business and commission in a timely and efficient manner and provide coverage for your clients. This training guide outlines the processes and procedures to help you properly sell the Silver Premier Choice Whole Life product. Your careful review, understanding and acknowledgement of receipt of this training guide are necessary before you begin to market the Silver Premier Choice Whole Life product. We are here to support you and ensure you have what you need to serve and grow your business.

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CONTACTING US

CONTACTING USIf you have any questions, we are here to help. Our Agent Support representatives can be reached Monday through Friday from 8:30 a.m. to 5:30 p.m. Eastern time at 1-866-465-0647 or email finalexpense@afba.com.

If all team members are busy, you may leave a message and someone will return your call.

New Business Applications Fax1-888-919-4227

General Correspondence FaxFor general inquiries regarding pending or active policies, outstanding requirements or supply requests, we have a fax line dedicated to these requests: 703-549-3410 or email finalexpense@afba.com.

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About Silver Premier Choice Whole LifeSilver Premier Choice is a traditional whole life insurance product offering an immediate pay Preferred death benefit or a Graded death benefit.

• The Preferred death benefit product offers a guaranteed level premium and a guaranteed level death benefit.

• The Graded death benefit product offers 30% of the selected death benefit if death occurs in year 1, 70% of the selected death benefit if death occurs in year 2, and 100% of the select-ed death benefit in death occurs in the 3rd year or after.

• Death as a result of accident will pay 100% of the death benefit in any year. Coverage for both products will continue to age 121 provided premiums are paid continuously as billed.

• The Death Benefit payable at the Insured’s death will be equal to the in force coverage amount on date of death, less any premi-ums due and any unpaid loan balances plus interest due.

• An Emergency Death Benefit equal to 50% of the death benefit is payable within 24 hours of 5Star Life’s receipt of notification of the insured’s death, unless the death is within the contest-ability period and/or under investigation. This Emergency Death Benefit will be deducted from the total coverage amount.

AvailabilitySilver Premier Choice is available in all states, except NY and WA.

Cash ValueThe table of cash values is printed on page PS-1 of the Policy. The cash value is this number at the appropriate policy year, less any policy loans.

Coverage Amounts and EligibilityCoverage is available from a minimum of $5,000 to a maximum of $25,000 in $1 increments, provided age limitations permit (see Issue Ages below). You can also find pre-calculated rates sheets on your 5Star agent website. Add-on coverage amounts as low as $2,000 may be written on policyholders who already have in force Silver Premier Choice coverage with 5Star Life.

Silver Premier is available to any individual between the ages of 50-85 (50 – 80 for Graded tobacco users). The target market is seniors with a need for a moderate amount of permanent life insurance to cover final expenses (burial insurance). The Graded death benefit product can be used for seniors with certain health conditions.

PRODUCT DETAILS

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PREMIUMSPremiums are calculated using an annual rate per $1,000 of coverage for males and females in Preferred and Graded non- tobacco and tobacco user classes. This amount times the appropriate modal factor is to be entered on the application in the Coverage and Premium Amounts sections. A $36.00 (commissionable) annual policy fee ($3.00 monthly) applies to this product and will need to be added to the premium entered in the Coverage and Premium Amounts section of the application.

Monthly Bank Draft “Checkmatic”Initial premium is not required with the application for monthly Checkmatic pay method, however the Checkmatic Authorization Form must be completed and submitted with the application. With all forms, it is important to fill out every section in its entirety. 5Star will charge the payor’s bank account for the initial premium payment.

When filling in the bank information, the bank ABA number is located on the lower left hand side of the payor’s check. The account number is the number in the middle section at the bottom of the check.

Monthly Credit Card DraftThe Credit Card Authorization Form and the Checkmatic Authorization Forms are very similar except for the financial information. It contains many of the same sections and will need to be filled out completely.

*Only Visa or MasterCard are accepted

Initial premium is not required with application for the monthly Credit Card pay method; however, the Credit Card Authorization form must be completed and submit-ted with the application. 5Star Life will charge the payor’s credit card for the initial premium payment. The credit card statement will show the charge as 5Star Life.

Important Information Regarding Drafting Direct Express Debit MasterCards for Social Security Recipients Wishing to Pay for Final Expense.The Social Security Administration (SSA) has a program called Direct Express whereby Social Security benefits can be direct deposited to a debit MasterCard each month on the recipient’s payment date. No bank account is necessary. Benefit recipients can utilize these cards to make purchases, pay bills, or get cash at thousands of locations nationwide.

Choosing the Draft DateThe initial draft date, or policy effective date, can be selected using the Requested Eff/1st Draft Date box at the top right, it is filled in using a 2 digit month, 2 digit day and 4 digit year format. This date is required if you want to future date the policy.

Routing Number Account Number Check Number

AFBA/5Star Life Credit Card Authorization Form

List all Applicant/Insured’s SSNs whose insurance coverage will be paid with this Credit Card:

1. Applicant/ 2. Applicant/ Insured’s SSN: Insured’s SSN:

3. Applicant/ 4. Applicant/ Insured’s SSN: Insured’s SSN:

5. Applicant/ 6. Applicant/ Insured’s SSN: Insured’s SSN:

7. Applicant/ 8. Applicant/ Insured’s SSN: Insured’s SSN:

Payor’s name as it appears on credit card. (Must be completed):Last Name

First Name M.I. Payor’s SSN:

Billing Address:Address Line 1

Address Line 2

City State Zip

Only Visa/MasterCard Accepted

Credit CardAccount Number: Exp Date:

Authorization Code (3 digit number found on the back of your card after your account number):

I authorize AFBA/5 Star Life to charge my credit card as indicated above. I understand that AFBA/5 Star Life will safeguard my credit card information. I understand that if my credit card is not accepted for payment, I have the option to pay via direct billing. If a refund is due it will be made directly to the cardholder’s account. The life insurance coverage applied for will not become effective until approved and upon receipt of all monies due. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent charges to the first of the month. I understand my account is considered paid when the credit card facility approves the transaction. I also understand that the amount to be charged will be automatically adjusted if I change my coverage, status, or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to charge my credit card equal to the amount in arrears. This agreement will remain in effect until AFBA/5 Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing at least 10 days in advance to cancel it.

Cardholder’s Signature _____________________________________________ Date _________________________

I authorize AFBA/5 Star Life to charge my credit card as indicated above. I understand that AFBA/5 Star Life will safeguard my credit card information. I understand that if my credit card is not accepted for payment, I have the option to pay via direct billing. If a refund is due it will be made directly to the cardholder’s account. The life insurance coverage applied for will not become effective until approved and upon receipt of all monies due. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent charges to the first of the month. I understand my account is considered paid when the credit card facility approves the trans-action. I also understand that the amount to be charged will be automatically adjusted if I change my coverage, status, or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to charge my credit card equal to the amount in arrears. This agreement will remain in effect until AFBA/5 Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing at least 10 days in advance to cancel it.

Admin Office: 909 North Washington Street, Alexandria, Virginia 22314 • 1-800-776-2322 • www.afba.com

Please detach and keep this portion for your records.

Requested Eff/1st Draft Date (MMDDYYYY) (Must be less than 30 days from sign date.)

(For Final Expense use only)

— — —

Month Year

/

—

— —

— —

— —

— —

— —

— —— —

1/14

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CreditCard Form R2013

— —— —

CC 1113

Day of Deduction (01-28) (2W, 3W, 4W - Final Expense Only):

AFBA/5Star Life Checkmatic Authorization Form Electronic Funds Transfer

As a convenience to me, I authorize AFBA/5 Star Life to initiate electronic debit entries to my checking or savings account as indicated above. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent debit entries to the first of the month. I understand that I have the right to receive notice of each electronic debit entry that varies in amount from the previous entry, but I elect not to receive notice if such entry is less than or equal to the amount due for my monthly payment. I also understand that the amount will be automatically adjusted if I change my coverage, status,or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to debit my account equal to the amount in arrears. This agreement will remain in effect until AFBA/5 Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing and at least 10 days in advance to cancel it.

Please detach and keep this portion for your records.

Admin Office: 909 North Washington Street, Alexandria, Virginia 22314 • 1-800-776-2322 • www.afba.com

*IMPORTANT: This service is available to members with checking accounts in most U.S. banks, credit unions and savings banks. The account must be in U.S. dollars. To start Checkmatic we must have your bank routing number and account number. These are printed on your checks.

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As a convenience to me, I authorize AFBA/5 Star Life to initiate electronic debit entries to my checking or savings account as indicated above. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent debit entries to the first of the month. I understand that I have the right to receive notice of each electronic debit entry that varies in amount from the previous entry, but I elect not to receive notice if such entry is less than or equal to the amount due for my monthly payment. I also understand that the amount will be automatically adjusted if I change my coverage, status,or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to debit my account equal to the amount in arrears. This agreement will remain in effect until AFBA/5Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing and at least 10 days in advance to cancel it.

Payor’s Signature _____________________________________ Date _________________

List all Applicant/Insured’s SSNs whose insurance coverage will be paid with this Checkmatic:

1. Applicant/ 2. Applicant/ Insured’s SSN: Insured’s SSN:

3. Applicant/ 4. Applicant/ Insured’s SSN: Insured’s SSN:

5. Applicant/ 6. Applicant/ Insured’s SSN: Insured’s SSN:

7. Applicant/ 8. Applicant/ Insured’s SSN: Insured’s SSN:

Payor’s name as it appears on bank account. (Must be completed):Last Name

First Name M.I. Payor’s SSN:

Address of Payor

Address Line 2

City State Zip

Bank ABA No.* (First 9 digits on bottom left of check):

Checking Savings Account Number*:

Bank’s Name and Address: ___________________________________________________________________________________________

Requested Eff/1st Draft Date (MMDDYYYY) (Must be less than 30 days from sign date.)

(Final Expense use only)

—

— —

— —

— —

— —

— —

— — — —

1/14

Day of Deduction (01-28) (2W, 3W, 4W - Final Expense Only):

Checkmatic Form R2013

CHK 1113

— —— —

TRAINING CLIPCompleting Checkmatic and Credit Card FormsCLICK HERE

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Numeric Draft Date• Checkmatic bank draft can be taken on any day of

the month except the 29th, 30th, or 31st.• Future dates must be 30 days or less from the

signed application date. It should be noted that if the policy is issued after the draft date requested, it will default to that date of deduction the next month, for example, if you select 08152013 and we issue the policy on August 17th, the first draft/effective date will be September 15, 2013.

• The Day of Deduction must match the initial draft date and be in a 2 digit day format. If you leave both sections blank, the policy will draft immedi-ately upon issue.

• If the first payment is submitted with the applica-tion, you cannot select a future effective date; the policy will become effective upon policy issue date and future drafts will be on the day of the month you selected in the Day of Deduction area.

Social Security Draft DateMany seniors receive their Social Security payments on the 2nd, 3rd, or 4th Wednesday of the month rather than a specific calendar date each month. To better accommodate the timing of these SSA pay-ments, our system has been programmed to bill/draft premiums on the 2nd, 3rd, and 4th Wednesday of each month on a recurring basis. The process allows the collection of premium to remain in sync with the Social Security payments, reduces the possibility of insufficient funds and improves placement and per-sistency over time.

Social Security benefits are paid on the following schedule*:Benefits paid on Birth date on2nd Wednesday 1st – 10th3rd Wednesday 11th – 20th4th Wednesday 21st – 31st*Beneficiaries receiving benefits prior to May 1997 are paid on the 3rd of every month.

If you have a client receiving their SSA benefit under one of these scenarios and would like to utilize the flexibility provided by this option, follow the instruc-tions below to complete the Checkmatic Authoriza-tion and Credit Card Authorization Forms.

In the “Day of Deduction” field on the Authorization Form, simply indicate one of the following:“2W” – If payments are received on the 2nd Wednes-day of the month“3W” – If payments are received on the 3rd Wednes-day of the month“4W” – If payments are received on the 4th Wednes-day of the month

Please note that the “Requested Eff/1st Draft Date (MM/DD/YYY)” at the top of the Authorization Form need not be used with this option. If you use this field, the date indicated should correspond to the next oc-currence of the date representative of 2W, 3W, 4W within 30 days of the application sign date.

Direct Bill: Quarterly, Semi-annual or Annual payment is desired. Monthly direct bill may be offered on an exception basis only when a POS interview is not performed. For Monthly direct bill, the payor must have a valid checking account from which to pay the monthly premium; money orders and cashiers checks will not be accepted for initial monthly direct bill pay mode – NO EXCEPTIONS.

Automatic Loan ProvisionIf sufficient Cash Value exists, the Automatic Premium Loan provision will permit any premium remaining unpaid at the end of the grace period to be paid automatically as of its due date by a loan from the Cash Value. The Automatic Loan Provision must be elected on the application.

You should make it clear to the applicant that this provision is to protect the continuance of the policy should the policy owner miss a premium payment.

• The loan should be paid back as soon as possible. If not, the death benefit will be reduced by the amount of the loan plus interest due.

• If the Automatic Premium Loan option is not elected on the application and a premium is not paid by the end of the grace period, the policy will default to one of the non-forfeiture options and will lapse if there is insufficient value.

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Risk Class & UnderwritingSilver Premier Choice premiums are based on age, gender and tobacco status. Tobacco use is defined as any applicant having used any products containing nicotine in the past 12 months. This includes the use of nicotine gum or e-cigarettes. Paramedical exam is not required, but the applicant must answer a simplified Statement of Health on the application.

• If all answers are “No,” coverage will be issued as Preferred.

• Any “Yes” answer in section 1 of the Statement of Health is an automatic decline for coverage.

• Any “Yes” answer in section 2 of the Statement of Health will result in coverage being issued as Graded.

• Applicants must also meet the height and weight requirements for their selected class. There is no leeway on height and weight.

Note: Applicants who have terminated prior coverage with 5Star Life in the past 12 months will not be eligible to apply for coverage.

In addition to statement of health, the applicant is required to complete a point of sale interview where we gather additional medical and prescription in-formation from MIB (Medical Insurance Bureau) and OptumInsight MedPoint to arrive at an underwriting decision.

Typical turnaround times for new business from sub-mission of an application in good order to policy issue is 3 – 5 business days. Application submissions not in good order may require additional time to issue.

Underwriting Comments• Activities of Daily Living Include: eating, bathing,

dressing, taking medications, toileting, transfer-ence, or moving about.

• COPD/COLD: (Chronic obstructive pulmonary disease or lung disease): This health condition includes chronic bronchitis, emphysema, pulmo-nary fibrosis, pulmonary granulomatosis, pulmo-nary edema, active tuberculosis, pneumoconiosis (black lung, farmer’s lung, asbestosis, silicosis), bronchiectasis, pulmonary sarcoidosis, histo-plasmosis, and cryptococcosis. Asthma by itself is not considered COPD/COLD and is an accept-able risk factor.

• Heart Disease or Disorder: The following are considered diseases or disorders of the heart occurring/ discovered within the last 36 months. Heart attack, heart blocks, PVD (peripheral vascular disease, valvular surgery, angioplasty, stent placement, pacemaker, cerebral vascular disease, arrhythmias, carditis, abnormal resting and exercise EKGs, cardiac ischemia, enlarged heart, angina, coronary artery aneurysm, coro-nary artery bypass grafting, heart replacement, murmurs of any kind, cardiomyopathy, coronary artery disease of any type. Issues such as a heart attack five years ago without any further epi-sodes continue to be underwriting acceptable.

• Uncontrolled Blood Pressure: If the applicant feels blood pressure is uncontrolled, they should answer the question “Yes.” If confident that it is controlled they should respond “No.” The applicant can determine whether their blood pressure condition is controlled by what their doctor has told them. If they are taking their medication and if the average reading does not exceed 140/90 they can consider their blood pressure under control.

• Treatment: Treatment is defined as receipt of medical services, surgery, or therapeutic care due to disease or injury over the past 36 months; this does not include routine checkups.

TRAINING CLIP

Field UnderwritingCLICK HERE

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COMPLETING THE 5STAR APPLICATION

HELPFUL TIPS TO COMPLETING YOUR 5STAR LIFE INSURANCE APPLICATION:1. Use the correct Application. The Application must be the current version approved for use in the state

where solicitation is to occur and the Application is to be signed by the owner

2. Print legibly in English using all capital letters

3. Use blue or black ink

4. No photocopies

5. Do not use white out (liquid paper/correction fluid) on any part of the application

6. Avoid stray marks or notes in header or margin area, as these will not be read by our system

7. The agent, the proposed insured and the owner, if other than the proposed insured, must initial ALL changes

8. Applications submitted with first month premium cannot be faxed in for processing and must be mailed in to the Home Office. Even though the authorization form states to include a voided check with your sub-mission, it is not required and we prefer you do not send a voided check with faxed submissions

9. Pre-screen: Do not mark the application as Preferred or Graded until after the Point of Sale Interview has been completed. All applications must be marked Preferred or Graded prior to submission to the Home Office

Statement of Health

Yes No

ICC13 ISP WL App R913

Height ft in Weight lbs Non-Tobacco Tobacco User

Answer each question TO THE BEST OF YOUR KNOWLEDGE AND BELIEF.In the past 12 months, have you used any type of tobacco product or any product containing nicotine? ...........................................................Section One1. Are you currently confined to a wheelchair, your home, a hospital, rehab or psychiatric facility, nursing home, long term care facility or

correctional facility, or been advised in the past 5 years by a member of the medical profession to receive hospice care, or do you require use of a home hospital care agency or need assistance with two or more of the normal activities of daily living (for example: eating, bathing, dressing, taking medications, toileting, transference or moving about), or have you had an amputation due to disease? ...............

2. Have you been diagnosed by a member of the medical profession with a terminal medical condition or end stage disease defined as any illness that is expected to result in death within 12 months? .........................................................................................................................

3. Have you ever been diagnosed by a member of the medical profession, treated for, medically advised to have treatment for, or taken medication for: chronic kidney disease (with or without dialysis), renal insufficiency, cirrhosis of the liver, liver disease or liver failure, Lou Gehrig’s disease (ALS), Huntington’s disease, had a kidney or organ transplant, or do you use oxygen equipment (for any condition excluding sleep apnea) to assist in breathing on a daily basis? ........................................................................................................................

4. Have you ever been diagnosed by a member of the medical profession, treated for, medically advised to have treatment for, or taken medication for: Alzheimer’s disease, dementia, neuromuscular or brain disease (including cerebral palsy, muscular dystrophy, cystic fibrosis), sickle cell anemia, or un-operated heart defects? ............................................................................................................................

5. In the past 12 months have you been diagnosed by a member of the medical profession as having, been treated for, been medically advised to have treatment for, or taken medication for cardiomyopathy, congestive heart failure (CHF)? .....................................................

6. In the past 24 months have you been diagnosed by a member of the medical profession as having, treated for, medically advised to have treatment for, or taken medication for any form of cancer, leukemia, lymphoma, melanoma or Hodgkin’s disease (excluding basal or squamous cell skin cancer)? ..........................................................................................................................................................................

7. In the past 12 months have you been diagnosed by a member of the medical profession as having, or hospitalized for heart attack, angina (chest pain due to heart disease), stroke, or transient ischemic attack (TIA/mini-stroke), uncontrolled high blood pressure, heart or circulatory surgery including coronary artery bypass, pacemaker, heart valve replacement, aneurysm, blood clot, angioplasty, or vascular stent placement, or any procedure to improve circulation to the heart or brain? ...........................................................................................

8. Have you ever been medically treated for or diagnosed by a medical professional as having Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or any immune deficiency related disorder or tested positive for the Human Immunodeficiency Virus (HIV)? .....

If any question in section one is answered yes, applicant is not eligible for 5Star Life Insurance.Section Two1. Have you ever been diagnosed by a member of the medical profession as having or in the past 5 years been an inpatient or outpatient in

a hospital for: chronic hepatitis, chronic bronchitis, emphysema, chronic obstructive lung disease or chronic obstructive pulmonary disease (COLD/COPD) or any chronic lung disorder (excluding asthma or sleep apnea)?...............................................................................

2. Have you ever been diagnosed by a member of the medical profession as having congestive heart failure (CHF) or cardiomyopathy? ........3. In the past 12 months, have you required use of home oxygen equipment (for any condition excluding sleep apnea) more than 2 times

per week but less than daily to assist in breathing? .......................................................................................................................................

2 of 4

Beneficiary(ies)

I designate my beneficiary(ies) to receive benefits, in order of class, as indicated below. Check here p if you would like an additional beneficiary form sent to you.

Primary ___________________________________________________________________________________________________________________

Primary ___________________________________________________________________________________________________________________

Secondary _________________________________________________________________________________________________________________

First Name Last Name Relationship SSN DOB %

First Name Last Name Relationship SSN DOB %

“Statement of Health” continued on page 3

(If available)

(If available)

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IP 2 912

av

First Name Last Name Relationship SSN DOB %(If available)

TRAINING CLIP Completing an AppCLICK HERE

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Height and Weight Limits:

Height

Minimum WeightUnisex

(Lbs)

Maximum Weight

Unisex (Lbs)Preferred

Maximum Weight

Unisex (Lbs)Graded

4’ 8 74 185 196

4’ 9 76 192 203

4’ 10 79 199 211

4’ 11 82 206 218

5’ 0 84 213 225

5’ 1 87 220 232

5’ 2 90 228 241

5’ 3 93 235 248

5’ 4 96 243 256

5’ 5 99 250 264

5’ 6 102 258 273

5’ 7 105 266 281

5’ 8 109 274 289

5’ 9 112 282 298

5’ 10 115 291 307

5’ 11 118 299 315

6’ 0 122 308 324

6’ 1 125 316 334

6’ 2 129 325 343

6’ 3 132 334 352

6’ 4 136 343 361

6’ 5 139 352 371

6’ 6 143 361 381

6’ 7 146 371 391

Before recording personal information on the proposed insured in the Applicant’s Information section of the Application, please complete:

• Page 2 Height and Weight

• Page 2-3 Statement of Health (Medical Questions).

If Height and Weight fall outside established guidelines for Preferred or Graded or If there is a ‘Yes’ answer to the Statement of Health (Medical Questions) in Section 1, do not complete or submit the Application to 5Star Life. For privacy reasons, the Application must be shredded.

If Height and Weight is within limits and applicant qualifies for Preferred or Graded based on answers to the Statement of Health (Medical Questions) section of the Application:1. Complete the Applicant Information section on Page

1.2. The proposed insured and owner, if other than the

proposed insured, must sign the Application before the POS interview is initiated.

3. Conduct the POS interview.4. After the POS interview is completed and once

eligibility has been confirmed, establish the first premium.

5. Mark plan type according to the POS determination

6. Then complete pg. 4 Agent Certification section and Temporary Insurance Acknowledgement.

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Save AgeApplicant’s age for purposes of rate calculation should be the age on the date the application is signed. If the applicant’s birthday will occur between the date the application is signed and the coverage effective date, the applicant will save age and receive the rate as of their age on the date the application was signed.

Point of Sale InterviewThe POS interview should be conducted as soon as pg. 1-4 of the Application are completed and signed, and while you are still with the proposed insured.

Completion of the POS interview must happen at point of sale and within the operation hours of EMSI,

8:00 a.m. to 11:00 p.m. CT, Mon. through Fri.9:00 a.m. – 3:00 p.m. CT, on Sat.

1. Call EMSI toll free at: 1-866-224-5827

2. Identify yourself as a 5Star Life agent who would like to have a 5Star Life Silver Premier POS interview completed. You will be required to provide your name and Agent number, the proposed insured’s name, date of birth, address, and other basic applicant information. Once you’ve provide the required information, the interviewer will ask to speak to the proposed insured.

3. Have the proposed insured speak with the interviewer to confirm the answers to the Statement

of Health (Medical Questions) on pg. 2/3 of the Application. The proposed insured must complete the interview on their own without your input.

4. When the interview has been completed, the interviewer will ask to speak with you again and you can then determine if any changes are needed in the Application. Upon completion of the POS interview, you will be given the underwriting recommendation that will be transmitted to 5Star Life. If decision cannot be made at POS, application will be forwarded for underwriting. Please hold app until final determination is made.

5. If after the POS interview, changes are made within the Application, each change must be initialed by the applicant. Note that any change, such as answers to age and tobacco status that affects eligibility, will require a change be made to the coverage amount, premium and additional coverage, if any, selected in the Coverage and Premium Amounts section on pg.1 of the Application.

6. Once the POS interview has been initiated, the following forms are submitted to 5Star or left with the proposed insured:

SUBMITTED TO 5STAR GIVEN TO PROPOSED INSURED

Signed Application Fair Credit Reporting Act (FCRA) Notice

Replacement Form (if applicable) Information Practices Notice

Signed Draft Authorization Form MIB Pre Notice

5Star Life is required to retain the signed Application as it contains the authorization used to complete the POS interview and access MIB. This applies in all cases, even if the answers to pg. 1 Ht./Wt., and pg. 2 Statement of Health (Medical Questions) have changed and as a result the proposed insured does not qualify for Silver Premier or if the owner no longer wishes to apply for Silver Premier.

If the Application is not processed, write “Withdrawn” at the top of the Application and send the Application to 5Star Life for record retention purposes. Premium should not be accepted and the Temporary Insurance Agreement (TIA) should not be completed and given to the owner.

TRAINING CLIP New Business ProcessCLICK HERE

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SUBMITTING AN APPLICATION

SCANNING AND UPLOADING APPLICATIONS

A quick and easy way to submit new business is through scanning and up-loading applications via the Salesforce agent portal. If you submit an application prior to noon central standard time, your busi-ness will be transferred from our vendor within 24-48 hours. However, there will be a delay for incomplete applications; they will be routed to an exception queue and you will be contacted by our Agent Support Team for the missing information.

Scan Process:1. Create a folder on your hard drive that will always be used to store scanned and

submitted applications.2. Scan the batch of applications (no limit when scanning) in page order for each

client and same orientation. Be sure to scan any attachments directly after the referenced application, followed by the payment form if applicable.

3. Save each file of applications as a PDF or TIF using this naming convention: AGENT NUMBER - MMDD-HHMM (i.e. AVA01-0701-1215).

Each application must be uploaded as one document, do not save and upload each page as a separate document.

Upload Process:1. Log into Salesforce and select the Application Upload tab.2. Enter your e-mail address and your agent ID and then select Choose Files. 3. Locate and select the file on your computer, then click Open to position the file

for upload. You can only select one file at a time, so please repeat these steps to upload additional files.

4. When ready to submit the application(s) to 5Star for processing, click the Upload button.

5. A green message box stating: “Applications uploaded successfully” will appear on the screen.

TRAINING CLIP Scanning and Uploading Applications CLICK HERE

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FAXING YOUR APPLICATIONA faster way to get your business submitted and processed is via fax. 1. Set your fax machine to the correct settings:

User ID: Your Fax Number Resolution: Fine Contrast: S. Light Color: Black & White/Color, Color fax is recom-mended

2. Place your application in the correct order: 1. Application pages 1-4 2. Replacement Form 3. Any additional documentation 4. Draft Authorization Form

Note: You do not need to submit a voided check with your Draft Authorization Form

3. Fax your business in batches of four or less applications without a cover sheet to 1-888-919-4227. This number is reserved for new business application submission only – do not submit duplicates or changes to this number. Any additional new business requirements or general correspondence should be faxed to 703-549-3410.

MAILING YOUR APPLICATIONYou may also send your application and all required forms to the 5Star Home Office via the green post-age paid envelopes provided by 5Star.

Note: If you are submitting payment with the application, you must send the application via mail.

TRAINING CLIP Faxing An ApplicationCLICK HERE

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SurrendersThe Surrender Value is the amount of money that the owner of the policy will receive if he/she elects to terminate coverage. The Surrender Value is equal to the Cash Value less any outstanding loan balances. 5Star Life will pay the Surrender Value on the policy on receipt of written notice before the insured’s death and on surrender of the policy.

Once a policy is issued, an applicant can have their policy terminated and first months premiums refunded if we receive a signed termination request within 1 month from the effective date. If the termination request is received beyond the first 30 days, the policy will be terminated but premiums will not be refunded.

Policy LapsePolicies may lapse due to non-payment of premium. If a policy is setup automatically draft premiums from the policy owner’s bank account or credit card and the initial draft or recurring draft fails, you will be sent an e-mail notification of the failed draft. The policy owner will be sent a letter notifying them of the failed draft attempt and reason for failure. Agents will be copied on these let-ters or will receive email notification of these events. The policy will be immediately placed on direct billing monthly to the policy owner’s home address. The policy owner must pay the back premium due or the policy will lapse at the end of the grace period. Policyholders may contact our customer service department to be placed back on automated bank draft or credit card draft.

Policy Re-writesAgents are not allowed to re-write a client with a surrendered or lapsed policy within 12 months of policy termination. Clients may reinstate their lapsed policy without evidence of insurability within 6 months of policy lapse provided they request reinstatement in writing and pay all back premium due. After 6 months, a policy may be reinstated for a period of up to 5 years with evidence of insurability provided the client pays all back premium due.

Policy Increases/DecreasesTo Increase:

• An existing policy can be increased if a written request from the policyholder is received within the first 30 days from policy issue by 5Star Life. The difference in back premiums from the original draft is due at the time of the increase.

• Increases beyond the first 30 days require a new application. Policy increases are then handled with an additional policy. Policy increase may be submitted for coverage amounts as low as $2,000.

To Decrease:• A policy decrease can be made at any time with a

signed written request from the policyholder. Simply use the Universal Change Form and complete the corresponding section on page 2, sign and date the form.

All written requests must be dated and signed by the Policyholder.

Exclusions (Suicide)If the insured commits suicide, while sane or insane, within 2 years from Effective Date of Issue, 5Star Life will pay in place of all other benefits an amount equal to the premiums paid. State specific requirements apply. Consult your State Department of Insurance for specifics related to suicide exclusions.

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NON-FORFEITURE OPTIONSAutomatic Premium LoanIf the Automatic Premium Loan (APL) option is elected, a policy loan against the accumulated cash value will automatically take place to cover any pre-mium cost after the 30 day Grace Period expires. This APL will occur each month the policy premi-ums are unpaid past the end of the Grace Period until there is insufficient cash value left to pay the premium due at which point the policy will Lapse. Interest charged on the loan will be as prescribed in the policy contract.

Extended Term InsuranceIf the Automatic Premium Loan option is not elected on the application and premiums are not paid when the Grace Period ends, the Cash Value in the policy, if any, will automatically be used to purchase Ex-tended Term Insurance (ETI) for a specific number of months as outlined in the Table of Guaranteed Values in the policy (page PS-1).

Once this option is elected, the original coverage cannot be reinstated. If there is insufficient cash value in the policy to purchase Extended Term, the coverage will lapse with no value.

Paid-Up InsuranceIf the Automatic Premium Loan option is not elected on the application and premiums are not paid when the Grace Period ends, the Cash Value in the policy, if any, may be used to purchase a reduced amount of Paid-Up life insurance as outlined in the Table of Guaranteed values in the policy (page PS-1).

This option must be requested by written notice no later than 60 days after the due date of the unpaid premium. The amount of insurance depends on the Cash Value in the policy. Once this option is elected, the original coverage cannot be reinstated. If there is insufficient cash value in the policy to purchase Paid-Up Insurance, the coverage will lapse with no value.

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SALES BEST PRACTICES As an insurance producer of 5Star Life, you agree to

• Comply with our Ethical Code of Market Conduct in all aspects of sales and service with your clients.

• Present the appropriate insurance product, the adequate level of coverage, and quote premiums that will satisfy the needs of your client.

• Clearly explain ALL product provisions at the point of sale. If an omission of fact is discovered, you lose credibility, or may even lose the sale, or create problems you will need to address after the sale.

• Ensure your client understands the product. Work with the applicant until you are confident they are making an informed decision.

• Review the application and all required forms for accuracy.

Some tips1. No one other than the applicant may answer the

statement of health questions; 2. No one other than the applicant may sign the application; 3. If an error is made on the application, cross it out

(don’t use white-out) and both you and the applicant must initial it.

SALES PRACTICES

4. Accurately reflect the date and state where the application is signed. If the state of residence does not match the state where the application is signed, the policy may not issue.

5. Verify the status of your license and appointment with 5 Star Life before you solicit business.

6. Bottom line: if you are honest with your clients you will earn their respect and will probably obtain referrals to friends and relatives. What better way to get additional business!

Customer Value Producer Integrity According to survey results released by an industry trade group, 96% of the consumers surveyed stated that a Producer’s reputation for honesty and integrity was as important to them as policy benefits. This is a message to all Producers -- being honest and professional is the only way to win the trust and confidence of your clients. In the long run it is a win/win situation!

Professionalism In your sales and solicitation activities, a professional manner should be maintained and care should be taken in the manner in which you address your prospects and clients. The impression you give is what they will remember -- so make it a positive one!

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Create a Big Picture SolutionTo recommend the right product for the right individual, it is critical to gain a comprehensive picture of the prospect’s history, lifestyle, attitudes, and resources. If you walk into a presentation with one product you’re planning to sell, then you are simply selling a product-not necessarily a solution.

Keep Up with ComplianceA solid foundation of compliance confirms your ethical business practices to 5Star Life Insurance Company, as well as to your peers, professional as-sociates, prospects, and clients -- which translates into a greater business opportunity. Compliance is all about providing protection for the customer, the company you represent, and your agency.

Maintain Client ContactAfter the sale, it is good to maintain contact with your client, offering the same kind of consulting help you did during the sale. Clients are generally loyal to such a sales professional—not because the insurance products are superior or the financial solutions are cheaper relative to the competition but because they possess excellent client-relations skills, problem-solving abilities and the willingness to spend time on a client, even if it doesn’t directly result in a sale. Good client relationships turn into loyalty. Loyalty turns into repeat business and referrals.

Ethical Guidelines• Endeavor to place the public interest above

your own

• Strive to maintain and improve your professional knowledge, skills and competence

• Obey all laws and regulations and avoid any conduct or activity that would cause unjust harm to others

• Aspire to raise the professional and ethical standards in the insurance business

• Establish and maintain honorable relationships with those whom you serve

• Assist in improving the public understanding of insurance and risk management

PROHIBITED PRACTICES • Paying a client for his or her business.

• Convincing a prospect to let a policy lapse or to surrender a policy so you can sell him a new policy that is not in the best interest of the prospect.

• Convincing a prospect to replace a policy with a new policy from the same company, which is not in the best interest of the prospect.

• When during an insurance transaction an agent unintentionally makes statements or presents misleading or false information to the prospect. To avoid misrepresentation, an agent must thoroughly understand the product or service he or she is selling.

• Intentionally misrepresenting any information in an insurance transaction.

• Entering false information on an application.

• Signing documents on behalf of an applicant, or allowing someone else to sign in their place (e.g. husband signs for wife or vice-versa).

• Altering an application after it’s been signed without the applicant authorizing the change by initialing it. (e.g. cross-out, white-out).

• It is unacceptable for an agent to hold a premium for an unreasonable length of time. Premiums should be submitted to the insurance company at the earliest opportunity.

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Marketing and Selling to the Senior Market• If you receive the name of a prospect from a lead

source, you must disclose this source to your sen-ior client. Do not solicit a person for the purpose of marketing life insurance by using a business name, whether true or fictitious, which is misleading in respect to the status, character, or brand of the busi-ness or person.

• Upon contacting the client in their home, the agent will, before making any statement other than a greet-ing, or asking the senior any other questions, state that the purpose of the contact is to talk about insur-ance, or to gather information for a follow-up visit to sell insurance.

• Inform your clients they are free to have other peo-ple, including family members, present at a meeting.

• When attending a meeting with a senior client, you shall provide them with a business card or other writ-ten identification stating your name, business ad-dress, telephone number, and any insurance license number.

• End all discussions and leave the home of the senior client immediately after being asked by the client.

• Leave behind marketing materials so individuals can review product and contact you with additional ques-tions.

Advertising/Sales LiteratureYou are required to obtain prior approval on all advertis-ing and sales material you create that mention or pro-mote any AFBA or 5Star Life products or services.This includes, but is not limited to:Brochures, letters, flyers, newspaper ads, circulars, faxes, business cards, recruiting pieces, radio, televi-sion, or any other medium used to communicate with the public. Please refer to the Advertising Approval Procedures and use the Request for Approval form to submit your mate-rial to your Regional Director or Regional Operations (See Exhibit 3).

Field UnderwritingComplete and accurate information about a proposed insured must be provided on the application. The writing agent must witness all signatures and under no circum-stances should anyone other than the insured/owner sign an application. Such an act can carry stiff penalties.

Licensing & ContractingYou must be licensed in the state in which you are taking the application and you must identify that location on the application. Insurance brokers specializing in the Indi-vidual market will sign a stand-alone Agent Agreement to market this product.

Insurable InterestThe owner and beneficiary of a policy must have an insurable interest in the policy because of either their family relationship to the insured or the poten-tial for economic loss upon the death of the insured. Insurable interest falls within two categories: 1) “love and affection” which generally requires a familial relationship; or 2) “economic loss” where the death of the insured results in an economic loss to the inter-ested person, such as the death an employee result-ing in a loss to an employer or death of a borrower resulting in a loss to the lender. If the person taking out the insurance is outside the above mentioned categories then the Insurable Interest Information form must be filled out and returned to 5Star Life’s compliance department for review and approval. The form is available on the agent website and should be submitted to mhunt@afba.com. 5Star accepts individuals and common trusts as beneficiaries, but not corporations, partnerships, investment trusts, or similar entities.

1. Carry Errors & Omissions (E&O) coverage and provide annual verification. Coverage minimums are $1 million per claim and $1 million annually.

2. Take our training course on anti-money laundering (AML) laws and regulations or submit a certificate of completion of an AML course that’s acceptable to 5Star.

3. Meet the following performance standards: • Produce an average of $2,000 new annualized premium

per month in issued business. • Maintain a minimum average 13th month persistency of

70% or greater on their book of business. • Achieve a minimum new business placement rate of

80% in a calendar year.

The following will result in review of an agent’s contract and provide grounds for termination: • Chargeback debt of $3,000 or more for three

consecutive months. • More than three contestable claims in a 12 month

period or more than a 50% rescission rate. • More than two formal complaints in a 12 month period. • Replacements averaging 30% or more of new business

cases written.

IMPORTANT ITEMS TO REMEMBER TO MAINTAIN A 5STAR APPOINTMENT:

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The following procedures must be followed when a replacement is initiated:

If the applicant has...

and he/she in this state or territory... replacement is... application step is...

No existing policies Move ahead with taking application

Existing policies

Does not intend to replace

KY, KS No replacements accepted

Move ahead with taking application only if applicant intends to keep as an additional policy

AK, AL, AR, AZ, CO, IA, LA, MD, ME, MS, MT, NC, NE, NH, NJ, NM, OH, OR, RI, SC, TX, UT, VA, VT, WI, WV

Replacement form required even if applicant does not intend to replace existing policy

Move ahead with taking application and complete the following steps: 1. Present and read to the applicant at the time of

taking the application, the applicable Notice of Replacement.

2. Form must be signed by agent and applicant. 3. Collect name, policy, and address of insurer. 4. Instruct the applicant not to terminate other

coverage until new policy is received. 5. Leave copy of the notice with the applicant. 6. Submit copy of Notice along with application

package. Application will be pended until form is received.

Does intend to replace

All other states Move ahead with taking application

KY, KS No replacement requirements

CT, DC, ND, TN, American Sa-moa, Guam, Northern Mariana Islands, and the U.S. Virgin Islands.

No replacement requirements

Move ahead with taking application

CA, DE, FL, GA, HI, ID, IL, IN, MA, MI, MN, MO, NV, OK, PA, PR, SD, WA, WY

Use state specific Move ahead with taking application and complete the following steps: 1. Present and read to the applicant at the time of

taking the application, the applicable Notice of Replacement.

2. Form must be signed by agent and applicant. 3. Collect name, policy, and address of insurer. 4. Instruct the applicant not to terminate other

coverage until new policy is received. 5. Leave copy of the notice with the applicant. 6. . Submit copy of Notice along with application

package. Application will be pended until form is received.

All other states Use standard replacement

Procedures and definitions based on NAIC Model Laws, Regulations and Guidelines

ReplacementsIt is Company policy, and important agent practice, to never replace existing life insurance unless the new coverage is clearly in the applicant’s best interest.

From a state law standpoint, a “replacement” occurs when a new certificate or contract is purchased and, in connection with the sale, the individual discontinues making premium payments on the existing policy, or an existing policy is surren-dered, forfeited, assigned to the replacing insurer,

or insurance coverage otherwise terminated to facilitate acquiring new insurance coverage. What constitutes a replacement varies by state, making it essential that you know the definition of a replace-ment where you do business.

When a replacement is warranted, you must follow the replacement procedures required in your state. If you have any questions, please contact the Agent Support department.

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To complete the replacement process, please use the following forms:

CA REPLMNT Form R1210-CA MN REPLMNT Form R1210(A)-MN

DE REPLMNT Form R1210(A)-DE MO REPLMNT Form R1210(A)-MO

FL REPLMNT Form R1210-FL NV REPLMNT Form R1210-NV

GA REPLMNT Form R1210-GA OK REPLMNT Form R1210-OK

ID REPLMNT Form R1210-ID PA REPLMNT Form R1210-PA

IL REPLMNT Form R1210(A)-IL SD REPLMNT Form R1210(A)-SD

IN REPLMNT Form R1210(A)-IN TN REPLMNT Form R1213-TN

MA REPLMNT Form R1210-MA WA REPLMNT Form R1210-WA

MI REPLMNT Form R1210(A)-MI WY REPLMNT Form R1210-WY

The following have not, as of this date, adopted the Replacement requirements: American Samoa, CT, District of Columbia, Guam, ND, PR (requires a notice be provided to the applicant at point of sale), Northern Mariana Islands, and the U.S. Virgin Islands.

Always consult your state Department of Insur-ance for details regarding your specific replacement requirements.

TRAINING CLIP Top 6 Compliance Issues CLICK HERE

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TOP TIPS TO REMEMBER1. Your primary responsibility is to ensure

that customers are presented with the insurance product appropriate for their needs.

2. You must be licensed in the state in which you are taking the application and you must identify that location on the application.

3. Use the correct application and write in all capital letters using blue or black ink.

4. Fill out the application and all forms completely and accurately to ensure quicker processing

5. The initial draft date, or policy effective date is required if you want to future date the policy.

6. If the first payment is submitted with the application, you cannot select a future effective date and you may not fax this application.

7. If you are conducting a POS interview, it should be conducted as soon as the Application is completed and signed, and while you are still with the pro-posed insured.

8. At least one beneficiary is required to process the application. Beneficiary may not be a funeral home.

9. Certain states require a replacement form to be presented, signed, and mailed with the application even if the applicant does not intend to replace existing life insurance coverage. Con-sult your state of Department of Insur-ance for details regarding your specific replacement requirements.

10. All applications must be marked Pre-ferred or Graded prior to submission to the Home Office.

11. The Agent, the proposed insured and the owner, if other than the proposed insured, must initial ALL changes.

12. Applications submitted with first month premium cannot be faxed in for pro-cessing and must be mailed in to the Home Office.

13. Money orders or cashier’s checks are not accepted for initial monthly bill pay mode.

14. You are required to obtain prior approv-al on all advertising and sales material you create that mention or promote any AFBA or 5Star Life products or ser-vices.

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TRAINING CLIPS

As part of our continued training support, we offer a series of training video clips to help you under-stand our products and processes so marketing, selling, and submitting new business is fast and efficient. All training materials can be accessed through the Salesforce agent portal by selecting the tab labeled Training. Currently available:

• Completing Checkmatic and Credit Card Forms https://www.afba5starlife.com/Presentations/T02CheckmaticCCForms/

• Completing an Application https://www.afba5starlife.com/Presentations/T03CompletinganApplication/

• Contract Submission and Processing for MGAs, IMOS, and NMOs https://www.afba5starlife.com/Presentations/T04NewAgentContractSubmission/

• Faxing an Application https://www.afba5starlife.com/Presentations/video_5Star_How_to_Fax_an_Application.html

• Field Underwriting https://www.afba5starlife.com/Presentations/T14FieldUnderwriting/

• How to Navigate the Salesforce Agent Portal https://www.afba5starlife.com/Presentations/T06SalesforceAgentPortal/

• How to Read the Commission Statement http://www.afba5starlife.com/Presentations/T07AgentCommissionStatements/

• Insurable Interest https://www.afba5starlife.com/Presentations/T15InsurableInterest/

• New Business Process https://www.afba5starlife.com/Presentations/T13NewBusinessProcess/

• Salesforce Agent Portal New Reports https://www.afba5starlife.com/Presentations/T18SalesforceAgentPortalReports/

• Scanning and Uploading Your Applications https://www.afba5starlife.com/Presentations/T05Scan_UploadApp/

• Top 6 Compliance Tips https://www.afba5starlife.com/Presentations/T11Top6ComplianceIssues/

Not all training modules apply to your individual contract. Check your Schedule of Commissions to confirm what products you are contracted to market.

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Effective 9/15/11

Annual Rates per $1,000; Annual Policy Fee = $36.00

Use the following premium rate formula:

((Rate x Insurance Face Value/$1,000) x Factor) + Policy Fee for Frequency = Premium Rate

Example: Male, Preferred Benefit, Nontobacco, Age 60, $25,000, monthly premium(($46.68 x $25,000/$1,000) x .0834) + $3.00 = $100.33 per month

FACTORS:Annual = 1.0000Semi-Annual = 0.5000Quarterly = 0.2500Monthly = 0.0834

POLICY FEES:Annual = $36.00Semi-Annual = $18.00Quarterly = $9.00Monthly = $3.00

EXHIBIT 1 SILVER PREMIER CHOICE RATES PER $1,000

Click here for precalculated rate sheets or visit Salesforce Library to download.

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PREFERRED BENEFIT GRADED BENEFIT

Male Non-

Tobacco

Male Tobacco

User

Female Non-

Tobacco

Female Tobacco

User

Male Non-

Tobacco

Male Tobacco

User

Female Non-

Tobacco

Female Tobacco

User

50 32.00 46.87 27.26 41.10 50 36.80 51.58 31.33 45.25

51 32.55 47.47 27.56 41.30 51 38.40 53.30 32.46 46.57

52 33.25 48.26 27.96 41.60 52 40.05 55.36 33.61 47.99

53 34.15 49.24 28.50 42.08 53 41.80 57.77 34.78 49.52

54 35.25 50.42 29.22 42.75 54 43.71 60.53 36.00 51.16

55 36.65 51.84 30.15 43.62 55 45.83 63.64 37.29 52.93

56 38.30 53.60 31.28 44.79 56 48.15 67.11 38.69 54.87

57 40.15 55.85 32.60 46.36 57 50.67 70.95 40.28 57.04

58 42.15 58.74 34.10 48.33 58 53.39 75.18 42.18 59.52

59 44.32 62.47 35.77 50.60 59 56.33 79.83 44.55 62.41

60 46.68 67.24 37.58 53.16 60 59.51 84.95 47.31 65.82

61 49.14 71.86 39.50 55.72 61 62.95 90.54 50.07 69.23

62 51.72 76.33 41.49 58.24 62 66.67 96.55 52.83 72.44

63 54.42 80.80 43.51 60.68 63 70.69 102.88 55.64 75.72

64 57.25 85.27 45.54 63.12 64 75.04 109.34 58.55 79.06

65 60.23 89.74 47.60 65.57 65 79.76 115.81 61.59 82.38

66 63.46 94.61 49.74 68.07 66 84.88 122.49 64.88 85.96

67 67.04 99.93 52.04 70.72 67 90.42 129.60 68.47 89.61

68 71.11 105.80 54.61 73.57 68 96.40 137.39 72.41 93.47

69 75.84 112.39 57.61 76.62 69 102.84 146.15 76.80 97.60

70 81.46 119.92 61.23 80.03 70 109.76 156.18 81.64 102.07

71 87.33 128.15 65.56 83.89 71 117.20 167.63 87.03 106.99

72 93.45 137.08 70.19 88.29 72 125.23 180.45 93.08 112.53

73 99.82 146.81 75.12 93.32 73 133.96 194.35 99.88 118.95

74 106.49 157.34 80.35 99.08 74 143.54 208.75 107.51 126.62

75 113.53 168.76 85.90 105.70 75 154.17 222.69 115.93 136.05

76 121.24 181.18 92.05 113.22 76 165.80 236.17 124.53 146.98

77 129.92 194.60 98.85 121.64 77 178.18 249.63 133.32 159.21

78 139.92 209.02 106.40 131.06 78 190.86 263.07 142.31 172.54

79 151.64 224.34 114.90 141.48 79 203.29 276.53 151.50 186.57

80 165.54 240.29 124.74 152.72 80 215.16 290.00 160.89 200.27

81 178.64 255.34 133.74 161.72 81 226.50 170.68

82 190.94 269.49 141.74 170.52 82 237.86 181.07

83 202.44 282.76 148.74 179.12 83 250.53 192.46

84 213.34 295.15 155.74 187.62 84 266.76 205.20

85 223.66 306.68 162.97 196.11 85 290.00 219.45

NOTE: Graded Benefit policy not available for Tobacco-Users over age 80

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EXHIBIT 2 MISCELLANEOUS NOTICES TO APPLICANTS

REQUEST FOR APPROVAL OF ADVERTISING

FAIR CREDIT REPORTING ACT NOTICE(Consumer Report Pre-Notification). We may make or obtain a consumer report or an investi-gative consumer report, which may contain information secured through personal interviews with your friends, neighbors and others with whom you are acquainted. This report may contain information as to your character, general reputation, personal characteristics and mode of living (no information collected concerning the sexual orientation of the proposed insured will be used to determine his or her eligibility for insurance.) The consumer reporting agency may keep a copy of the report and may disclose its contents to others for whom it performs such services. On receipt of a request from you, we will tell you if a report has been requested and we will provide you with the name, address, and telephone number of the consumer reporting agency. You may request to be personally interviewed and, when the report is completed you have the right to inspect and receive a copy of it from the consumer reporting agency. Please send your request to: 5 Star Life Insurance Com-pany, Attention: Underwriting Department, 909 North Washington Street, Alexandria, VA 22314.

INFORMATION PRACTICES NOTICE 5 Star Life Insurance Company, like other insurance com-panies, sometimes evaluates the medical history and other personal information about applicants to determine their eligibility for certain policies. (Personal information includes information such as age, occupation, physical condition, health history, habits, general reputation, credit and avoca-tion.) We also use this information for the administration of your insurance after it is in force. We rely heavily on information provided by you. We may also supplement this information from other sources, such as medical profession-als or institutions that have treated you or family members covered under your policy, insurance support organizations, other insurance companies to which you have applied, and employers. Any information you give us regarding your insur-ability and any information received from other sources will be treated as strictly confidential. In some situations, and in compliance with applicable law, we may disclose neces-sary items of information to third parties, who may retain a copy and disclose the information to others for whom they perform such services, without your specific authorization. Unless you request otherwise, your name, address, date of birth and phone number may be used by us or our affiliates to inform you of other insurance products or services which are available. We may also disclose this information to: (1) an organization performing administrative, business or professional services for us; (2) other insurance companies to which you apply; and (3) your physician or medical profes-

sional. You have the right to be told about, and to copy, if you wish, items of personal information which appear in our files. You also have the right to seek correction of informa-tion you believe to be inaccurate. THE ABOVE IS A GENER-AL DESCRIPTION OF OUR PRIVACY PRACTICES. IF YOU WOULD LIKE A MORE DETAILED EXPLANATION OF OUR PRACTICES AND THE CIRCUMSTANCES UNDER WHICH WE MAY USE OR DISCLOSE INFORMATION, PLEASE WRITE TO OUR PRIVACY OFFICER AT 5 STAR LIFE IN-SURANCE COMPANY, COMPLIANCE DEPARTMENT, 909 NORTH WASHINGTON STREET, ALEXANDRIA, VA 22314.

MIB, Inc. PRE-NOTICEInformation regarding your insurability will be treated as confidential. 5 Star Life Insurance Company, or its reinsurers, may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, the MIB, upon request, will supply 5 Star Life Insurance Company with the information in its file. Upon receipt of a request from you, the MIB will arrange disclosure of any information it may have in your file. Please contact MIB at 866-692-6901 (TTY: 866-346-3642). If you question the accuracy of information in the MIB’s file, you may contact the MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau’s informa-tion office is: 50 Braintree Hill, Suite 400, Braintree, Mas-sachusetts 02184-8734. 5 Star Life Insurance Company, or its reinsurers, may also release information in its file to MIB and to other life or health insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib com.

LEAVE THIS NOTICE WITH APPLICANT

5Star Life Insurance CompanyAdmin Office: 909 North Washington St.Alexandria, VA 223141-800-776-2322www.afba.com

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EXHIBIT 3 REQUEST FOR APPROVAL OF ADVERTISING

To: Regional Operations & Compliance Department

From: Date:

1. Describe the material for which you are requesting approval: ___________________________________________________________________________________

_______________________________________________________________________________________________________________________________________________________________________________________

2. Which product(s) are being advertised? (Check all that apply) ☐ Group or ☐ Individual☐ Better Alternative (Military) ☐ 5Star Level Term ☐ Select Term ☐ Ultimate Select Term☐ Silver Premier ☐ Universal Life ☐ Family Protection Plan ☐ Multiple Employer Trust ☐ Generic

3. To whom will the material be distributed? (Check all that apply)☐ Existing Members ☐ Prospects ☐ FSRs ☐ Other ___________________________________________________________________________

4. How will the material be circulated? (Check all that apply)☐ Magazine ☐ Newspaper (describe) ☐ Meeting/Seminar ☐ Flyer/Stuffer/Postcard ☐ Direct Mail ☐ Brochure ☐ Other ______________________________________________________________________________________________________________

Describe Circulation: _____________________________________________________________________________________________________________________________________________________

5. In which state(s) will the material be distributed?_______________________________________________________________________________________________________

6. Approximate number of pieces to be printed/distributed/mailed? ____________________________________________________________________________

7. Initial distribution date: _______________________________________________________________________________________________________________________________________________

8. Are you offering an incentive to respond? ☐ Yes ☐ No ☐ If yes, what?___________________________________________________________

9. Do you have a scripted sales presentation? ☐ Yes ☐ No ☐ If yes, please attach a copy.

10. Are you willing to allow AFBA/5Star Life to share you approved ads with other RSDs & FSRs? ☐ Yes ☐ No

FOR HOME OFFICE USE: Ad Compliance # ______________________________________________ Date Received: ____________________________________

Reviewed by: ______________________________________________________________ _____________________________________________________________ Regional Operations V.P. Compliance

Comments:

______________________________________________________________________________________________________________________________________________________________________________________________

_____________________________________________________________________________________________________________________________________________________________________________________________

Comments Returned to: _____________________________________________________________________ Date: ____________________________________

Final Copy: ☐ Approved ☐ Approved w/ Revisions ☐ Disapproved

i « 25 » 33

Last Name Male Female

First TIN/ Name MI SSN

PlaceD.O.B. of Birth: State Country

Address Line 1

Address Line 2

City State Zip

E-Mail Daytime Cell Phone Phone

Applicant Policy Owner Other (Complete all info below)

TIN/ TIN/SSN SSN

Name: ______________________________________________________ Name: _____________________________________________________

Address: ______________________________________________________ Address: ___________________________________________________

City, State, Zip __________________________________________________ City, State, Zip _______________________________________________

Relationship to Applicant ___________________ Phone No. _______________ Phone No. __________________________________________________

Underwritten by 5Star Life Insurance Company (a Baton Rouge, Louisiana Company)Administrative Office: 909 North Washington Street, Alexandria, VA 22314

1-800-776-2322 • www.afba.com

Applicant’s Information

ICC13 ISP WL App R913 9/13

//Month Day Year

——

Owner (If other than Applicant) Payor

——

Automatic Premium Loan

Automatic Loan ProvisionLoan from your cash value if premium missed.

Coverage and Premium Amounts

Monthly Credit Card

Monthly Checkmatic

Monthly Bill*

Quarterly Bill

Semi-Annual Bill

Annual Bill

Payment Mode: (Please choose only one.) $ ,Applicant’s

Coverage

.Amount

payable to 5Star Life.

.

Applicant’s Modal Premium

$ $

— —

— —

—

.$+ =

Modal Policy Fee

*Personal checks only

1 of 4

— —

Plan Type: Preferred Graded Interview #:

Amount paid with application

.$

IP 912 1

au

(Leave blank if not submitting premium check.)

USE BLACK OR BLUE INK AND PRINT USING ALL UPPER CASE LETTERS.

Individual Silver Premier Whole Life

Application

Agent Number: Split %

Split Agent: Split %

INTERNAL USE ONLY:Pymt Enclosed: Yes No Split

Amt: $

CC/Checkmatic Auth Rec’d: Yes No

Attachments: Initials:

.

SAMPLE

i « 26 » 33

Statement of Health

Yes No

ICC13 ISP WL App R913

Height ft in Weight lbs Non-Tobacco Tobacco User

Answer each question TO THE BEST OF YOUR KNOWLEDGE AND BELIEF.In the past 12 months, have you used any type of tobacco product or any product containing nicotine? ...........................................................Section One1. Are you currently confined to a wheelchair, your home, a hospital, rehab or psychiatric facility, nursing home, long term care facility or

correctional facility, or been advised in the past 5 years by a member of the medical profession to receive hospice care, or do you require use of a home hospital care agency or need assistance with two or more of the normal activities of daily living (for example: eating, bathing, dressing, taking medications, toileting, transference or moving about), or have you had an amputation due to disease? ...............

2. Have you been diagnosed by a member of the medical profession with a terminal medical condition or end stage disease defined as any illness that is expected to result in death within 12 months? .........................................................................................................................

3. Have you ever been diagnosed by a member of the medical profession, treated for, medically advised to have treatment for, or taken medication for: chronic kidney disease (with or without dialysis), renal insufficiency, cirrhosis of the liver, liver disease or liver failure, Lou Gehrig’s disease (ALS), Huntington’s disease, had a kidney or organ transplant, or do you use oxygen equipment (for any condition excluding sleep apnea) to assist in breathing on a daily basis? ........................................................................................................................

4. Have you ever been diagnosed by a member of the medical profession, treated for, medically advised to have treatment for, or taken medication for: Alzheimer’s disease, dementia, neuromuscular or brain disease (including cerebral palsy, muscular dystrophy, cystic fibrosis), sickle cell anemia, or un-operated heart defects? ............................................................................................................................

5. In the past 12 months have you been diagnosed by a member of the medical profession as having, been treated for, been medically advised to have treatment for, or taken medication for cardiomyopathy, congestive heart failure (CHF)? .....................................................

6. In the past 24 months have you been diagnosed by a member of the medical profession as having, treated for, medically advised to have treatment for, or taken medication for any form of cancer, leukemia, lymphoma, melanoma or Hodgkin’s disease (excluding basal or squamous cell skin cancer)? ..........................................................................................................................................................................

7. In the past 12 months have you been diagnosed by a member of the medical profession as having, or hospitalized for heart attack, angina (chest pain due to heart disease), stroke, or transient ischemic attack (TIA/mini-stroke), uncontrolled high blood pressure, heart or circulatory surgery including coronary artery bypass, pacemaker, heart valve replacement, aneurysm, blood clot, angioplasty, or vascular stent placement, or any procedure to improve circulation to the heart or brain? ...........................................................................................

8. Have you ever been medically treated for or diagnosed by a medical professional as having Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or any immune deficiency related disorder or tested positive for the Human Immunodeficiency Virus (HIV)? .....

If any question in section one is answered yes, applicant is not eligible for 5Star Life Insurance.Section Two1. Have you ever been diagnosed by a member of the medical profession as having or in the past 5 years been an inpatient or outpatient in

a hospital for: chronic hepatitis, chronic bronchitis, emphysema, chronic obstructive lung disease or chronic obstructive pulmonary disease (COLD/COPD) or any chronic lung disorder (excluding asthma or sleep apnea)?...............................................................................

2. Have you ever been diagnosed by a member of the medical profession as having congestive heart failure (CHF) or cardiomyopathy? ........3. In the past 12 months, have you required use of home oxygen equipment (for any condition excluding sleep apnea) more than 2 times

per week but less than daily to assist in breathing? .......................................................................................................................................

2 of 4

Beneficiary(ies)

I designate my beneficiary(ies) to receive benefits, in order of class, as indicated below. Check here p if you would like an additional beneficiary form sent to you.

Primary ___________________________________________________________________________________________________________________

Primary ___________________________________________________________________________________________________________________

Secondary _________________________________________________________________________________________________________________

First Name Last Name Relationship SSN DOB %

First Name Last Name Relationship SSN DOB %

“Statement of Health” continued on page 3

(If available)

(If available)

9/13

IP 2 912

av

First Name Last Name Relationship SSN DOB %(If available)

SAMPLE

i « 27 » 33

Conditions Relating to this Application

Agreement: I have read the completed application. I am not currently taking and I am not under the influence of any medications or drugs that would affect my ability to fully understand and to fully and accurately complete this application. I agree that this application will be the basis for, and will become part of, the policy that is issued. The above representations are true TO THE BEST OF MY KNOWLEDGE AND BELIEF. I agree the policy shall not be in effect until it has been issued by 5Star Life Insurance Company and all premiums have been paid. I understand that the information on this application will be relied upon to determine insurability and that incorrect information may result in coverage being voided, subject to the policy’s incontestability provision. I understand that the agent has no authority to approve the application, change the policy, or waive any policy provisions. I understand no insurance will be effective until the date stated in the policy and all eligibility requirements are met. I understand that the USA Patriot Act requires all financial institutions, including insurance companies, to verify the identity of their customers. Providing your name, address, date of birth and taxpayer identification number allows us to verify your identity. Our verification process may include the use of third-party sources to verify the information provided. I acknowledge receipt of a copy of the Information Practices Notice, MIB Pre-Notice, and Fair Credit Reporting Act Notice. Authorization. I authorize any physician, medical practitioner, hospital, medical care facility, the Veteran’s Administration, insurance company, Medical Insurance Bureau, Inc. (MIB, Inc), pharmacy benefit manager, pharmacy, insurance laboratory, a consumer reporting agency, my employer, or any other person or organization that has any record of information about me to give 5Star Life Insurance Company, its reinsurers or its authorized representatives information about my health, prescription records, other insurance coverage, employment, age, general character, participation in hazardous activities, medical care or advice about any physical or mental condition including information about drugs, alcoholism, or other information 5Star Life Insurance Company requires to determine insurability or eligibility of benefits. I authorize 5Star Life Insurance Company, or its reinsurers, to make a report of health information to MIB. I further authorize the sources listed above except for MIB, Inc. to give such information to a consumer reporting agency acting on behalf of 5Star Life Insurance Company. This authorization may be revoked; however, it may not be revoked during the contestability period of the policy or to the extent 5Star Life Insurance Company has taken action in reliance on this authorization. Notice of revocation may be sent, in writing, to 5Star Life Insurance Company at its administrative address. I agree that a copy of this authorization is as valid as the original and I can obtain a copy on request. This authorization is valid for 30 months from the date signed.

ICC13 ISP WL App R913 3 of 4

Other Insurance

Do you have any existing life insurance or annuity contracts with another company?If approved, will this coverage replace any existing life insurance or annuity contracts?If yes, what is the company name, address, and policy number of your existing coverage? _______________________________________________

___________________________________________________________________________________________________________________

If yes, and if required, please complete and sign the applicable state-specific Notice: Replacement of Life Insurance and Annuity.

Yes NoYes No

Statement of Health (continued)

4. In the past 18 months, have you been diagnosed by a member of the medical profession as having or taken medication for angina (chest pain due to heart disease)? .................................................................................................................................................................

5. In the past 24 months have you: a. Been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for a disease or disorder such as: Multiple Sclerosis, Parkinson’s Disease, or systemic lupus (SLE)? .................................................................................. b. Been diagnosed by a member of the medical profession as having or in the past 24 months been an inpatient or outpatient in a hospital for grand mal epilepsy or seizures? .............................................................................................................................................................. c. Been diagnosed by a member of the medical profession as having, or in the past 24 months been an inpatient or outpatient in a hospital for angina, heart attack, stroke,or transient ischemic attack (TIA/mini-stroke), uncontrolled high blood pressure, heart or circulatory surgery including coronary artery bypass, pacemaker, heart valve replacement, aneurysm, blood clot, angioplasty, or vascular stent placement, or any procedure to improve circulation to the heart or brain? .................................................................................................. d. Received or been advised by a physician to seek medical treatment or counseling for alcohol or drug abuse, bipolar disorder, depression, or schizophrenia? ...................................................................................................................................................................... e. Been diagnosed, treated, tested positive for, or been given medical advice by a member of the medical profession for a disease or disorder such as: diabetic insulin shock, or diabetic coma, Retinopathy (eye), Nephropathy (kidney), Neuropathy (nerve, circulatory) disorder, or have you used insulin for treatment of diabetes prior to age 40?.................................................................................................................

If any question in section two is answered yes, applicant is eligible for 5Star Life Graded Insurance.If all questions in section one and two are answered no, applicant is eligible for 5Star Life Preferred Insurance.

Yes No

“Conditions Relating to this Application” continued on page 4

9/13

IP 912 3

aw

SAMPLE

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Note: Any person who knowingly presents a false statement in an application for insurance may be guilty of a criminal offense and subject to penalties under state law.

9/13ICC13 ISP WL App R913

Fraud Statement

Not available in all states • Administrative Office: 909 N. Washington St, Alexandria, VA 22314 • 1-800-776-2322 • www.afba.com

4 of 4

HIPAA Authorization for Release of Health Related Information. This Authorization complies with the HIPAA Privacy Rule. I authorize any health plan, physician, health care professional, hospital, clinic, laboratory, pharmacy, benefit manager, medical facility, insurance company, insurance support organization (such as MIB, Inc., or any of its members or affiliates), or other health care provider that has provided payment, treatment or services to me (collectively, “My Providers”) to disclose the entire medical record, prescription records, and any other protected health information concerning me to the company referenced on this authorization (“the Company”) and their agents, employees, and representatives. This includes information on the diag-nosis or treatment of Human Immunodeficiency Virus (HIV) infection and sexually transmitted diseases. This also includes information on the diagnosis and treatment of mental illness and the use of alcohol, drugs, and tobacco, but excludes psychotherapy notes. By my signature below, I acknowledge that any agreements I have made to restrict my protected health information do not apply to this authorization and I instruct My Providers to release and disclose the entire medical record without restriction for use in underwriting risk selection purposes. This protected health information is to be disclosed under the Authorization at my request, as permitted by § 164.508 of the privacy regulations issued pursuant to the Health Insurance Portability and Accountability Act (“HIPAA Privacy Rule”). This authorization shall remain in force for 36 months following the date of my signature below, regardless of my condition and whether living or deceased, and a copy of this authorization is as valid as the original. I understand that I have the right to revoke this authorization in writing, at any time, by sending a written request for revocation to the Company addressed, Attention: 5Star Life Insurance Company, Policyholder Service Department, 909 North Washington Street, Alexandria, VA 22314. I understand that a revocation is not effective to the extent that any of My Providers has relied on this Authorization or to the extent that the Company has a legal right to contest a claim under an insurance policy or to contest the policy itself. I understand that any information disclosed pursuant to this authorization may be subject to redisclosure by the recipient and may no longer be protected by federal regulations governing privacy and confidentiality of health information (such as the HIPAA Privacy Rule). However, the Company will protect the privacy of health information in accordance with other applicable state and/or federal privacy laws and its own privacy policies. I understand that My Providers may not refuse to provide treatment or payment for health care services because I refuse to sign this authorization. I further understand that if I refuse to sign this authorization to release my complete medical record, the Company may not be able to process my application, or if coverage has been issued, may not be able to make any benefit payments. I acknowledge that I have received a copy of this authorization.

Signatures must be personal: Applicant ________________________________ Date ___________

Policy Owner ______________________________ Date ___________

Signed at (City) ____________________________ (State)

Conditions Relating to this Application (continued)

-

Sign Here

Temporary Insurance Acknowledgment: Complete this section if full first premium or checkmatic/credit card authorization is submitted with application:

Insurance Producer: I provided the client with the Temporary Insurance Agreement Yes No

(If different from Applicant)

Insurance Producer Certification: I certify that the information recorded on this application is true and accurate to the best of my knowledge. I further certify that I have asked all the required ques-tions on the application and I witnessed the signing of the applica-tion by the Applicant and the Proposed Policy Owner if different than the Applicant. To my knowledge, the Applicant is / is not replacing any existing life insurance or annuities.

Ins Prod Name ________________________________

Ins Prod Signature _______________________________ Date _________

IP 4 912

ax

SAMPLE

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AFBA/5Star Life Checkmatic Authorization Form Electronic Funds Transfer

As a convenience to me, I authorize AFBA/5 Star Life to initiate electronic debit entries to my checking or savings account as indicated above. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent debit entries to the first of the month. I understand that I have the right to receive notice of each electronic debit entry that varies in amount from the previous entry, but I elect not to receive notice if such entry is less than or equal to the amount due for my monthly payment. I also understand that the amount will be automatically adjusted if I change my coverage, status,or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to debit my account equal to the amount in arrears. This agreement will remain in effect until AFBA/5 Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing and at least 10 days in advance to cancel it.

Please detach and keep this portion for your records.

Admin Office: 909 North Washington Street, Alexandria, Virginia 22314 • 1-800-776-2322 • www.afba.com

*IMPORTANT: This service is available to members with checking accounts in most U.S. banks, credit unions and savings banks. The account must be in U.S. dollars. To start Checkmatic we must have your bank routing number and account number. These are printed on your checks.

1/14

As a convenience to me, I authorize AFBA/5 Star Life to initiate electronic debit entries to my checking or savings account as indicated above. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent debit entries to the first of the month. I understand that I have the right to receive notice of each electronic debit entry that varies in amount from the previous entry, but I elect not to receive notice if such entry is less than or equal to the amount due for my monthly payment. I also understand that the amount will be automatically adjusted if I change my coverage, status,or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to debit my account equal to the amount in arrears. This agreement will remain in effect until AFBA/5Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing and at least 10 days in advance to cancel it.

Payor’s Signature _____________________________________ Date _________________

List all Applicant/Insured’s SSNs whose insurance coverage will be paid with this Checkmatic:

1. Applicant/ 2. Applicant/ Insured’s SSN: Insured’s SSN:

3. Applicant/ 4. Applicant/ Insured’s SSN: Insured’s SSN:

5. Applicant/ 6. Applicant/ Insured’s SSN: Insured’s SSN:

7. Applicant/ 8. Applicant/ Insured’s SSN: Insured’s SSN:

Payor’s name as it appears on bank account. (Must be completed):Last Name

First Name M.I. Payor’s SSN:

Address of Payor

Address Line 2

City State Zip

Bank ABA No.* (First 9 digits on bottom left of check):

Checking Savings Account Number*:

Bank’s Name and Address: ___________________________________________________________________________________________

Requested Eff/1st Draft Date (MMDDYYYY) (Must be less than 30 days from sign date.)

(Final Expense use only)

—

— —

— —

— —

— —

— —

— — — —

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Day of Deduction (01-28) (2W, 3W, 4W - Final Expense Only):

Checkmatic Form R2013

CHK 1113

— —— —

SAMPLE

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AFBA/5Star Life Credit Card Authorization Form

List all Applicant/Insured’s SSNs whose insurance coverage will be paid with this Credit Card:

1. Applicant/ 2. Applicant/ Insured’s SSN: Insured’s SSN:

3. Applicant/ 4. Applicant/ Insured’s SSN: Insured’s SSN:

5. Applicant/ 6. Applicant/ Insured’s SSN: Insured’s SSN:

7. Applicant/ 8. Applicant/ Insured’s SSN: Insured’s SSN:

Payor’s name as it appears on credit card. (Must be completed):Last Name

First Name M.I. Payor’s SSN:

Billing Address:Address Line 1

Address Line 2

City State Zip

Only Visa/MasterCard Accepted

Credit CardAccount Number: Exp Date:

Authorization Code (3 digit number found on the back of your card after your account number):

I authorize AFBA/5 Star Life to charge my credit card as indicated above. I understand that AFBA/5 Star Life will safeguard my credit card information. I understand that if my credit card is not accepted for payment, I have the option to pay via direct billing. If a refund is due it will be made directly to the cardholder’s account. The life insurance coverage applied for will not become effective until approved and upon receipt of all monies due. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent charges to the first of the month. I understand my account is considered paid when the credit card facility approves the transaction. I also understand that the amount to be charged will be automatically adjusted if I change my coverage, status, or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to charge my credit card equal to the amount in arrears. This agreement will remain in effect until AFBA/5 Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing at least 10 days in advance to cancel it.

Cardholder’s Signature _____________________________________________ Date _________________________

I authorize AFBA/5 Star Life to charge my credit card as indicated above. I understand that AFBA/5 Star Life will safeguard my credit card information. I understand that if my credit card is not accepted for payment, I have the option to pay via direct billing. If a refund is due it will be made directly to the cardholder’s account. The life insurance coverage applied for will not become effective until approved and upon receipt of all monies due. If the Day of Deduction specified above is greater than 28, AFBA/5 Star Life will automatically default initial and subsequent charges to the first of the month. I understand my account is considered paid when the credit card facility approves the trans-action. I also understand that the amount to be charged will be automatically adjusted if I change my coverage, status, or the monthly contribution/premium changes due to entry into a new age bracket. In the event that my coverage is not paid current, I also authorize AFBA/5 Star Life to charge my credit card equal to the amount in arrears. This agreement will remain in effect until AFBA/5 Star Life cancels it upon notice to me, or I notify AFBA/5 Star Life in writing at least 10 days in advance to cancel it.

Admin Office: 909 North Washington Street, Alexandria, Virginia 22314 • 1-800-776-2322 • www.afba.com

Please detach and keep this portion for your records.

Requested Eff/1st Draft Date (MMDDYYYY) (Must be less than 30 days from sign date.)

(For Final Expense use only)

— — —

Month Year

/

—

— —

— —

— —

— —

— —

— —— —

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1/14

CreditCard Form R2013

— —— —

CC 1113

Day of Deduction (01-28) (2W, 3W, 4W - Final Expense Only):SA

MPLE

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NOTES

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TRAINING GUIDE ACKNOWLEDGEMENT FORM

TRAINING GUIDE ACKNOWLEDGEMENT FORM

5Star Life Insurance Company

Silver Premier Choice Whole Life

Training Guide Acknowledgement FormThis Training Guide provides the information you must be familiar with to properly sell Silver Premier Choice Whole Life. Your careful review of this Training Guide is required before you begin to market this product. If you have any questions please contact your Regional Director.

Please acknowledge receipt of this Training Guide by signing below and returning this form to the Licensing Department. By signing this form, you agree to read and abide by this Training Guide.

_________________________________________ ___________ Agent name (please print) Agent #

_________________________________________ ____________ Agent Signature Date

________________________________________ Managing General Agent

Fax to Regional Operations at: 703-519-5671

Attn: Licensing Department

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NOTES

An AFBA related enterprise

ISPCWL Training Guide 01-2015 1/2015