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FTS Life Solutions and its affiliated partners offer life insurance sales services. Services are offered through FTS Life Solutions and its licensed insurance agents. FTS Life Solutions, FTS Life Solutions and other affiliated parties do not intend to provide investment advice through this site or the use of the tools on the site and does not represent that the products or services discussed are suitable for every investor. The information, data, analysis and opinions contained in this report include the confidential and proprietary information of FTS Life Solutions; may include or be derived from account information provided by you which cannot be verified by FTS Life Solutions; may not be copied or redistributed; does not constitute financial or investment advice; are provided solely for informational purposes and do not constitute an offer to buy or sell life insurance or any security; and are not warranted to be correct, complete or accurate. FTS Life Solutions shall not be responsible for any decisions, damages or other losses resulting from the use of this information, data, analysis or opinion. This report is supplemental sales literature. If applicable, this report should be preceded or accompanied by a prospectus, or equivalent, and disclosure statement.

** For Illustrative Purposes Only: All results from tools created by FTS Life Solutions regarding the likelihood of various outcomes are hypothetical in nature, do not reflect actual potential results and are not guarantees of future results. These figures may exclude commissions, sales charges or fees which, if included, would a negative effect on the annual returns. You should always consult a qualified tax professional regarding any potential tax implications. There are risks associated with FTS Life Solutions that you should consider and discuss with your FTS Life Solutions representative and other financial professionals, including, but not limited to, market risk, interest rate risk, and additional loan renewal requirements. All clients should be prepared to the equivalent of this amount to their policy annually.