ENCORE ADVANCE PS10

Issued by Forethought Life Insurance Company

COVERAGE AMOUNTS1
$500 $25,000 face amount

The Forethought Encore AdvanceSM product suite is a valuable offering to the

families you serve. The features and benefits of the product, coupled with our
service leadership and financial strength, make Forethought Life Insurance
Company the right choice as your preneed provider.

AGE AVAILABILITY BY
PAYMENT PLAN2
Single premium . . ...........0-99
3-pay. . . . . . . . . . . . . . . . ...........0-90
5,7-pay . . . . . . . . . . . . . . ..........0-85
10-pay . . . . . . . . . . . . . . ...........0-80

Payment plan options

The consumer now has the choice between five different payment plan options. They may
choose between a single premium, 3, 5, 7, or 10-year payment plan.
Automated Payment Authorization APA
A $1.00 discount is given on monthly premiums processed through the automatic
payment process.

PAYMENT OPTIONS
Single premium, 3, 5, 7, or 10-year
payment plans

Death benefit
The death benefit is designed to provide protection for future at-need funeral costs. There
is a two-year delayed growth period for issue ages 9199, after which the death benefit
will grow at the announced rate.

Monthly, quarterly, semi-annually

and annually

No one is turned down

Both underwritten and guaranteed-issue options exist. No one will be turned down
regardless of health. We reserve the right to decline coverage based on issue age and/or
total face amount on one life.

APA or coupon book

30-day free look

The Certificate of Coverage provides for a 30-day from receipt free look period. To ensure that
consumers have adequate time to receive and review their contracts, we allow 90 days from
issue to make any changes to the Certificate.
Early payoff option
Consumers who pay off their certificate during the first 12 months pay only the single
premium amount, less premiums paid. A $150 transaction fee will be charged if this option
is exercised on days 91365. After the 12th month, contact Customer Service for the payoff
savings calculation.

WV $1,000 minimum for graded death benefit

coverage only.

CT Ages 40 and above

WV 3-pay ages 46-90

For more information about the

Forethought Encore AdvanceSM
product suite, contact your
Forethought Representative,
or call Customer Service
at 1-800-331-8853.

Death benefit:
Underwritten multiple-payment plans offer first-day coverage for applicants who qualify. The death benefits payable for guaranteed-issue
plans are shown below.2
2

Guaranteed issue plans not available in Minnesota.

Payment plan
Single premium,
initial payment
3-pay
5-pay
7-pay
10-pay

MPS10-05

Months 16

Months 712

Months 1324

Months 25+

100% of premiums paid

105% of premiums paid
105% of premiums paid
105% of premiums paid
105% of premiums paid

100% of face
50% of original face
105% of premiums paid
105% of premiums paid
105% of premiums paid

100% of face
100% of face
70% of original face
110% of premiums paid
110% of premiums paid

100% of face
100% of face
100% of face
100% of face
100% of face

FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS

2010 Forethought
0910

ENCORE ADVANCE PS10

FACE FACTORS
Issue age
SINGLE PAY STANDARD
SINGLE PAY PREFERRED
MULTI-PAY STANDARD
MULTI-PAY PREFERRED

0-45

46-50

51-55

56-60

61-65

66-70

71-75

76-80

81-85

86-90

91-99

1.327
1.685
2.000
2.000

1.278
1.545
1.900
1.900

1.205
1.390
1.800
1.800

1.145
1.240
1.700
1.700

1.100
1.135
1.190
1.190

1.068
1.090
1.130
1.130

1.049

1.090

1.040

1.060

1.030

1.040

1.015

1.030

1.005

To qualify for underwritten face factors, all health questions must be answered no and signed by the insured. If health questions are not answered, or any
question is answered yes, guaranteed issue face factors must be used.

STANDARD SINGLE-PAY/DOWNPAY PREMIUM FACTORS

Issue age
Factor
Issue age
Factor

0-45
46-50
51-55
56-60
61-65
66-70
0.753580 0.782473 0.829876 0.873362 0.909091 0.936330
71-75
76-80
81-85
86-90
91-95
96-99
0.953289 0.961538 0.970874 0.985222 0.995025 0.995025

STANDARD 3-PAY PREMIUM FACTORS

Issue age
0-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
81-85
86-90

Annual
0.26505
0.28088
0.30418
0.32703
0.36462
0.38769
0.41077
0.43385
0.45934
0.49615

Semi-annual
0.13518
0.14325
0.15513
0.16679
0.18596
0.19772
0.20949
0.22126
0.23426
0.25304

Quarterly
0.06891
0.07303
0.07909
0.08503
0.09480
0.10080
0.10680
0.11280
0.11943
0.12900

Monthly
0.02412
0.02556
0.02768
0.02976
0.03318
0.03528
0.03738
0.03948
0.04180
0.04515

STANDARD 5-PAY PREMIUM FACTORS

Issue age
0-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
81-85

Annual
0.18000
0.19286
0.20791
0.22396
0.24813
0.26308
0.27813
0.29308
0.30000

Semi-annual
0.09180
0.09836
0.10603
0.11422
0.12655
0.13417
0.14185
0.14947
0.15300

Quarterly
0.04680
0.05014
0.05406
0.05823
0.06451
0.06840
0.07231
0.07620
0.07800

Monthly
0.01638
0.01755
0.01892
0.02038
0.02258
0.02394
0.02531
0.02667
0.02730

*PREFERRED SINGLE PAY/DOWNPAY PREMIUM FACTORS

Issue age
Factor

*PREFERRED 3-PAY PREMIUM FACTORS

Issue age
0-45
46-50
51-55
56-60
61-65
66-70

Annual
0.15791
0.16857
0.18022
0.19176
0.21121
0.22275
0.23429
0.24582
0.25385

Semi-annual
0.08053
0.08597
0.09191
0.09780
0.10772
0.11360
0.11949
0.12537
0.12946

Quarterly
0.04106
0.04383
0.04686
0.04986
0.05491
0.05792
0.06092
0.06391
0.06600

MPS10-05

Annual
0.11813
0.12396
0.13549
0.14692
0.16440
0.17593
0.18747
0.19615

Semi-annual
0.06025
0.06322
0.06910
0.07493
0.08384
0.08972
0.09561
0.10004

Quarterly
0.03071
0.03223
0.03523
0.03820
0.04274
0.04574
0.04874
0.05100

Semi-annual
0.10536
0.11573
0.13148
0.14700
0.16712
0.18124

Quarterly
0.05371
0.05900
0.06703
0.07494
0.08520
0.09240

Monthly
0.01880
0.02065
0.02346
0.02623
0.02982
0.03234

Issue age
0-45
46-50
51-55
56-60
61-65
66-70

Annual
0.14132
0.15527
0.17582
0.19516
0.22154
0.24000

Semi-annual
0.07207
0.07919
0.08967
0.09953
0.11299
0.12240

Quarterly
0.03674
0.04037
0.04571
0.05074
0.05760
0.06240

Monthly
0.01286
0.01413
0.01600
0.01776
0.02016
0.02184

*PREFERRED 7-PAY PREMIUM FACTORS

Issue age
0-45
46-50
51-55
56-60
61-65
66-70

Annual
0.11868
0.12945
0.14593
0.16132
0.18407
0.20022

Semi-annual
0.06053
0.06602
0.07442
0.08227
0.09388
0.10211

Quarterly
0.03086
0.03366
0.03794
0.04194
0.04786
0.05206

Monthly
0.01080
0.01178
0.01328
0.01468
0.01675
0.01822

*PREFERRED 10-PAY PREMIUM FACTORS

Monthly
0.01437
0.01534
0.01640
0.01745
0.01922
0.02027
0.02132
0.02237
0.02310

STANDARD 10-PAY PREMIUM FACTORS

Issue age
0-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80

Annual
0.20659
0.22692
0.25780
0.28824
0.32769
0.35538

*PREFERRED 5-PAY PREMIUM FACTORS

STANDARD 7-PAY PREMIUM FACTORS

Issue age
0-45
46-50
51-55
56-60
61-65
66-70
71-75
76-80
81-85

0-45
46-50
51-55
56-60
61-65
66-70
0.593472 0.647249 0.719424 0.806452 0.881057 0.917431

Monthly
0.01075
0.01128
0.01233
0.01337
0.01496
0.01601
0.01706
0.01785

Issue age
0-45
46-50
51-55
56-60
61-65
66-70

Annual
0.09615
0.10352
0.11604
0.12747
0.14659
0.16044

Semi-annual
0.04904
0.05280
0.05918
0.06501
0.07476
0.08182

Quarterly
0.02500
0.02692
0.03017
0.03314
0.03811
0.04171

Monthly
0.00875
0.00942
0.01056
0.01160
0.01334
0.01460

*Preferred rates not available in: Maryland, Minnesota and Oklahoma

Single premium pay plans

Applications for single premium coverage must include both the
initial and 6-month face amounts. The initial face amount is the
funeral price. The 6-month face amount is the funeral amount
multiplied by the appropriate Face Factor. Premium is the face
amount multiplied by the appropriate Premium Factor.

FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS

2010 Forethought
0910