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FlexLife II
Indexed Universal Life

Narrative Summary
Face Amount: $575,177

Sangeet Ryan

Death Benefit Option: B (Increasing)

Male 29 Preferred Non-Tobacco

Initial Premium: $1,100.00 Monthly (EFT)

Riders: ABR, CMG, DBPR, ICSR. LIBR, OPR, SAR, BSB

State: California

Indexed Strategies Disclosure (continued)

othetical Returns b Strate
Indexed
Indexed
Indexed
Loan
Strategy 2,
Indexed
Strategy 1,
Account,
S&P 500' I
Strategy 3,
S&P 500"
Pt-to-Pt
S&P 500
Pt-to-Pt
S&P 500'
Par Rate
Pt-to-Pt
Pt-to-Pt
Cap Focus
Focus
Cap Focus
No Cap
Cap:
Cap:
Cap:
Par:
12.00%
12.00%
9.75
Par:
55.00%
Par%
Par:
:
100.00%
140.00%
100.00%

S&P 500'
Pt-to-Ave
Growth
Rate

Indexed
Strategy 4,
S&P soo®
Pt-to-Ave
No Cap
Par:
110.00%

Year

S&P 500'
Pt-to-Pt
Growth
Rate

1996

20.26%

12.00%

12.00%

9.75%

11.15%

8.86%

9.74%

1997
1998
1999
2000
2001
2002
2003
2004
2005
2006
2007

31.01%
26.67%
19.53%
-10.14%
-13.04%
-23.37%
26.38%
8.99%
3.00%
13.62%
3.53%
-38.49%
23.45%
12.78%
0.00%
13.41%
29.60%
11.39%
-0.73%

12.00%
12.00%
12.00%
0.00%
0.00%
0.00%
12.00%
8.99%
3.00%
12.00%
3.53%
0.00%
12.00%
12.00%

12.00%

9.75%

0.00%
12.00%
12.00%
11.39%
0.00%

0.00%
12.00%
12.00%
11.39%
0.00%

9.75%
9.75%
0.00%
0.00%
0.00%
9.75%
9.75%
4.20%
9.75%
4.94%
0.00%
9.75%
9.75%
0.00%
9.75%
9.75%
9.75%
0.00%

17.05%
14.67%
10.74%
0.00%
0.00%
0.00%
14.51%
4.95%
1.65%
7.49%
1.94%

17.91%

12.00%
12.00%
0.00%
0.00%
0.00%
12.00%
8.99%
3.00%
12.00%
3.53%
0.00%
12.00%
12.00%

19.70%
13.04%
8.78%
0.00%
0.00%
0.00%
10.68%
1.85%
0.00%
5.48%
4.57%
0.00%
5.46%
2.45%
0.87%
10.65%
16.78%

5 Year Avg
10 Year Avg
15 Year Avg

10.20%

6.92%

5.10%
3.00%

7.35%
6.45%

6.92%
7.35%

20 Year Avg

6.20%

2008
2009
2010
2011
2012
2013
2014
2015

Maximum Illustrated Rate

1

0.00%
12.90%
7.03%
0.00%
7.37%
16.28%
6.26%
0.00%

11.86%
7.98%
-2.86%
-9.55%
-13.43%
9.71%
1.68%
-0.39°/0
4.98%
4.15%
-16.91%
4.96%
2.23%
0.80%
9.68%
15.26%
4.49%
0.11%

5.90%

5.60%

2.80%

4.90%

4.15%
5.60%

6.21%

6.00%

6.91%

6.26%

6.27%

30.31%
29.18%
36.48%
-54.48%
74.50%
16.36%
-20.41%

2.06%
5.24%

0.80%
2.70%

7.21%

0.00%
10.75%
0.00%
0.00%
0.00%
10.75%
10.75%
10.75%
10.75%
10.75%

0.00%

-7.20%
1.20%

2.70%

7.21%

-27.52%
63.70%
-31.80%
-4.91%
-7.97%
51.59%
22.45%

4.94%
0.12%
6.49%
5.02%

5.22%
6.53%

3.91%

15.15%
-4.98%
-4.63%
-16.96%

5.90%

6.45%

3.91%
-13.41%

0.00%
10.75%
10.75%
0.00%
10.75%
0.00%
0.00%
0.00%

5.82%
5.80%

5.74%
6.25%
5.72%

MSCI EM
Pt-to-Pt
Growth
Rate

Indexed
Strategy 5,
MSCI EM
Pt-to-Pt
Cap Focus
Cap:
10.75%
Par:
100.00%

6.54%

5.96%

1 The Maximum Illustrated Rate for the Indexed Loan Account and all Indexed Strategies is defined as the lesser of the
average annual look-back rate for the Benchmark Indexed Account using all of the possible 25-year periods from the
most recent 65 calendar years, or the average annual look-back on the current parameters of the specific strategy.
The maximum illustrated rate for the indexed loan account is capped at 100 basis points (1.00%) above the current
fixed loan interest rate.

Life Insurance Company of the Southwest, Addison, TX 75001

TC91891(0916)P

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Version 16.3.6 A
9:47:35 AM

October 29, 2016
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Illustration ID: 11888