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Life Product OverviewT h e L a fay e tt e L i f e I n s u r a n c e C o m pa n yLL-2211 (06/13)For agent use only. Not for use with the general public.

Life Product OverviewCentennial Series Whole Life ProductsProduct:DescriptionPremiums Paidto the Later ofIssue AgesLast BirthdayMinimumFace Amount:Rate Classes:Nonsmoker NSBasis of ValuesAvailable for usein Qualified Plans?Optional Benefitsand RidersTerm RidersLoansWithdrawalsDividendsDividend Options*BandingQuantity DiscountFactor:Modal Factor:ProtectorSimplified IssueProtector GradedDeath BenefitMarquis CentennialIndexed Universal LifeSimplified Issue WholeLife targeted to olderages and smaller faceamounts.Whole Life insurance.Death Benefit is return ofpremium at 10% interestfor the first 3 policy years.Provides a fixed option and two indexed interestcrediting methods within the index option forinterest crediting.Single PremiumSingle Premium; 5-Pay,10-Pay to age 80; orLevel Pay for lifeLevel Pay for LifeFlexible0 – 8540 – 8540 – 850 – 85 3,000 (WA: 25,000)(SC: 5,000) 3,000 100,000 Standard NS SmokerNone 2001 CSO, 4.0%2001 CSO, 4.0%2001 CSO, 4.0%2001 CSO, 4.0%NoNoNoNoNoneNone Waiver of MonthlyDeduction Benefit No-Lapse PremiumWaiver Benefit Accidental Death Benefit Spouse Insurance RiderNoNoNoHeritageContender 100Patriot 100SentinelLibertyLow, Level PremiumsLong-term PerformanceEarly Cash ValueHighest Early Cash ValueSingle PremiumWhole Life payable toage 100 or 20 years,whichever is longer.Whole Life payable toage 95 or 20 years,whichever is longer.Whole Life payable toage 75 or 30 years,whichever is longer.Whole Life payable toage 65 or 20 years,whichever is longer.Single Premium WholeLife insurance. Pay onepremium and pay no more.Age 100 or 20 yearsAge 95 or 20 yearsAge 75 or 30 yearsAge 65 or 20 years0 – 850 – 850 – 850 – 85 5,000 all ages, 25,000 for ages over 65 in WA;Preferred 100,000 and up, ages 18 – 75 Preferred NSStandard NSSmokerUnisexSubstandard2001 CSO, 4.5% 25,000 all ages;Preferred 100,000 and up, ages 18 – 75 Preferred NSStandard NSSmokerUnisexSubstandard2001 CSO, 4.5%2001 CSO, 4.0%Yes, minimum 1,000 ( 3,000 state of WA) Accelerated Benefit Rider** Long-Term Care Rider Extended Care Benefit Accelerated Death Benefit Plus Payor Death Benefit Rider Preferred NSStandard NSSmokerUnisexSubstandardPreferred NSStandard NSSmokerUnisexSubstandard Preferred NSStandard NSSmokerUnisexSubstandard2001 CSO, 4.0%Yes (except WA), minimum 25,000 Accidental Death Term Insurance Rider Spouse Insurance Rider Children’s Insurance Rider Guaranteed Purchase Option (GPO) Single Premium PUA Rider (SPUA) Level Premium PUA Rider Waiver of Premium BenefitAnnual Renewable Term: 10-, 20- or 30-year Term (check illustration software for availability) SPUAAccelerated Benefit Rider**Long-Term Care Rider**Accelerated DeathBenefit Plus** Extended Care Benefit**NoPreferred NSStandard NSSmokerUnisexSubstandard Children’s Insurance RiderGuaranteed Increase OptionAccelerated Benefit RiderTerm Insurance RiderLong-Term Care RiderThe maximum loan value is tabular cash value as of the next premium due date plus the cash value of any Paid-UpAdditions or Dividend Accumulations less any premium due, any policy loan, and any policy loan interest to thenext premium due date. The loan interest charged is the greater of 5% or the Monthly Average of the CompositeYield on Seasoned Corporate Bond as published by Moody’s Investors Service, Inc. or any successor to that service.Dividends are not affected by policy loans.Same as Centennial Series Whole Life Productswithout dividend component.The maximum loan value is the cash valueless any policy loan and any policy loan interestto the next premium due date.Dividend accumulations may be withdrawn or Paid-Up Additional Insurance may be surrendered after the first policy year.NoNoThe cash value may be surrendered subject tocertain rules and a 15 charge.Dividends are not guaranteed. Any dividend for the first policy year will be credited upon the paymentof the first modal premium of the second policy year. Dividends are not affected by policy loans.NoneNoneNone Paid in Cash Reduce Premium*** Dividend Accumulations Paid-Up Additions (PUA)NoneNoneNoneBand 1: 5,000 – 24,999Band 2: 25,000 – 99,999Band 3: 100,000 – 249,999Band 4: 250,000 – 499,999 40 40Band 5: 500,000 and UpNoneNoneNoneNoneNone 40 40 150 50 Single Premiumoption, 30 others 30 60Preauthorized Monthly Withdrawal .085; Quarterly .26; Semiannual .51 **** See Agents Reference Manual for Dividend RulesThe Lafayette Life Insurance Company** Rider automatically addedPreauthorized Monthly Withdrawal .083;Quarterly .25; Semiannual .50*** Not available on LibertyPreauthorized Monthly Withdrawal .083;Quarterly .25; Semiannual .50Not all products are offered in all states. Check the Lafayette Life website (www.llic.com) for state specific limitations.For financial professional use onlyThe Lafayette Life Insurance CompanyFor financial professional use only

Life Product OverviewProduct:Vanguard-09 Universal LifeCentennial Term SeriesLow face amount, front-end load UL productfor higher cash surrender value in earlyyears. Qualified Plans Only.Level Premium Term Life Insurance with 10-, 20- and 30-yearplans. After level term period, annually increasing rates apply.Conversion available during level term period up to age 65.FlexibleAge 104Issue Ages(Last Birthday)0 – 8510-Year: 18-75; 20-Year: 18-65; 30-Year: 18–55.Maximum issue age reduced in some underwriting categories.MinimumFace Amount: 10,000;Preferred 100,000, ages 18 – 75 100,000;Preferred rates available, ages 18 – 75 Preferred NS Standard NS Smoker Super Preferred NT Standard NT Preferred Plus NT Preferred Tobacco Preferred NT Standard TobaccoDescriptionPremiums Paidto the Later ofRate Classes:Basis of Values Unisex Substandard2001 CSO, 4.0%2001 CSOYesNo Waiver of Monthly Deduction Benefit Accelerated Benefit Rider Waiver of Premium Benefit Children’s Insurance RiderNoNoThe maximum loan value is the cash valueless any policy loan and any policy loaninterest to the next premium due date.NoThe cash value may be surrendered subjectto certain rules and a 15 charge.NoDividendsNoneNoneDividend Options*NoneNoBandingNoneBand 1: 100,000 – 249,999Band 2: 250,000 – 499,999 60 50Preauthorized Monthly Withdrawal .083;Quarterly .25; Semiannual .50Preauthorized Monthly Withdrawal .083;Quarterly .25; Semiannual .50Available for use inQualified Plans?Optional Benefitsand RidersTerm RidersLoansWithdrawalsQuantity DiscountFactor:Modal Factor: Substandard Accelerated Benefit RiderBand 3: 500,000 – 999,999Band 4: 1,000,000 and Up* See Agents Reference Manual for Dividend Rules.Not all products are offered in all states. Check the Lafayette Life website (www.llic.com) for state specific limitations.Life insurance products are issued and guaranteed by The Lafayette Life Insurance Company, Cincinnati, Ohio.Guarantees are based on the claims paying ability of the company. The Lafayette Life Insurance Companyoperates in D.C. and all states except AK and NY, and is a member of Western & Southern Financial Group.Feature and benefits are subject to underwriting and issue age restriction, as well as state availability andvariations. Check the Lafayette Life website (www.llic.com) for state specific limitations.Lafayette Life Policy Series: IUL-07, SPWL-05, TLP-08, VAN-09, WGB-07, WL-05-65, WL-05-75,WL-05-95, WL-05-100 and WSI-07. Rider Series: ABPR-05, ABR-92, ADB-05, CIR-05, ECB-WL-05,GPO-05, IUL-WP-07, LPUA-13, LTC-UL20, LTC-WL20, PDR-05, PIR-05, SI-UL, SIR-05, SPO-89,SPUA-05, TLR, TLR-08, TR-05, UABR, USPO-89, WMD-UL, WP-05 and WP-TLP-08.The Lafayette Life Insurance Company 400 Broadway Cincinnati, OH 45202-3341 www.LLIC.com

Marketing General Agent Agreement: Schedule of CompensationPolicy YearFirst Policy YearRenewal rWS! Level Pay(Issue Ages 80 andbelow1008.4777777770WSI Level Pay(Issue Ages 81-85)778.4777777770WS! 10 Pay575.55.255.255.255.255.255.255.255.250WSI 5 Pay338.44.54.54.5000000WSI Single Pay(Issue Ages 30-70)120000000000WSI Single Pay(Issue Ages 71-75)110000000000WSI Single Pay(Issue Ages 76-80)100000000000WSI Single Pay(Issue Ages 81-85)9.50000000000Protector -GradedBenefit774.24.24.24.24.24.24.24.24.20Other Whole LifePlansProtectorSimplified IssueSeries (WSI)The compensation to be paid to you under this Schedule pertaining to any insurance product will bereduced by any compensation due or payable to any Marketing General Agent, Independent GeneralAgent or other agent pertaining to such insurance product.LL-2500-MGA1-CS (9/16/12)

Marketing General Agent Agreement: Schedule of Compensation (A)Expresda cntgofPremiusadPolicy YearFirst Policy YearCommissionRenewal CommissionsServiceFees1234567891011&afterPatriot 100&Contender 0000000Level22222222222Flexible2222222222210 Yr75000000000020 Yr85000000000030 Yr100000000000010 TR-05 / TLR-08603333333330TR-05 Rider60555555555300000000000Whole Life PlansPUA RidersTerm PlansCentennial TermLow Cost TermThe compensation to be paid to you under this Schedule pertaining to any insurance product will bereduced by any compensation due or payable to any Marketing General Agent, Independent GeneralAgent or other agent pertaining to such insurance product.LL-2500-MGA1-CS (9/16/12)

Marketing General Agent Agreement: Schedule of CompensationUniversal Life Policies and RidersFor Universal Life plans, the percentages in Policy Year 1 are expressed as a percentage of paid Target Premiums (the"Target commission percentage"). For Policy Year 1, the commission percentage for paid Excess Premiums is 1.5% forthe Centennial IUL and 3% for the Vanguard-09 (the "Excess commission percentage"). For policy years after Policy Year1, the commission percentage is expressed as a percentage of Premiums paid. For Universal Life specified amountincreases, please refer to the below chart. First Policy Year commission percentages are reduced by 10% for allguaranteed issue universal life insurance policies.Policy YearFirst Policy YearRenewal erCentennial 3333333333Asset Based Compensation for Centennial IUL (B)ExpresdinBaPot(bp)Policy Year (End)Centennial IUL1234567891011&after0012 bp12 bp12 bp12 bp12 bp12 bp12 bp12 bp12 bpChart of Compensation for Universal Life Specified Amount Increases(Expressed as a Percentage of Target Premium at the Attained Age at the time of the Increase)Centennial IUL104Vanguard-09104Chart of Compensation for Waiver of Monthly Deduction Rider on a Universal Life Policy(Expressed as a Percentage of Monthly Cost of Insurance)Policy YearCentennial 51.51.51.51.51.533333333333-The compensation to be paid to you under this Schedule pertaining to any insurance product will bereduced by any compensation due or payable to any Marketing General Agent, Independent GeneralAgent or other agent pertaining to such insurance product.LL-2500-MGA1-CS (9/16112)