LegacyLoans are unique lifetime loans that:

• Fund all future premiums due on qualifying life insurance policies;
   
• Advance additional funds to borrowers in a lump sum and/or monthly installments;
   
• Require only a portion of the future policy proceeds as collateral;
   
• Accrue interest at guaranteed fixed rates;
   
• Require no principal, interest or other payments until the financed policies mature; and
   
• Offer guaranteed life-income options.

LegacyLoans — providing Funding for life^®