TUITION REWARDS Making dreams come true Client Guide

TUITION REWARDS Making dreams come true Client Guide

Make your dreams a Reality If you plan for your retirement and Insurance needs through an American Senior Benefits agent, we offer Tuition Rewards, a unique tuition scholarship program that can benefit you and your loved ones. American Senior Benefits has partnered with SAGE Scholars, Inc., an educationfunding and information provider specializing in college savings and tuition planning, to offer Tuition Rewards. This program can provide an amazing benefit for children in you family and the benefit costs you absolutely nothing. The price of tuition and the many other costs associated with attending an accredited college or university have grown dramatically during the past 20 years. While student loans and related aid programs are available, not all students qualify. But you can help alleviate some of the financial burden of higher education for the children in your family through Tuition Rewards while you simultaneously protect your own future.

As of January 2017, 375 private colleges... It is a private college scholarship program offered in connection with fixed and fixed-indexed Annuities, cash value Life Insurance Policies, Long Term Care and Medicare Supplements offered through American Senior Benefits. Tuition Rewards offers a scholarship for up to one full year of tuition per designated related student at participating colleges. Tuition Rewards generally count as part of their normal institutional and merit scholarships. Through your eligible plans, you earn points toward a private college fund for future generations. Tuition Rewards Points - How they Work Many credit cards offer cash back points and other rewards, so, why can t an annuity or other Insurance Plan do the same? As of January 2017, 375 colleges in 45 states offer the unique Tuition Rewards program on your eligible plans through American Senior Benefits. Additional colleges are being added regularly. You will receive Tuition Reward Points as follows: each point is equal to $1.00 guaranteed minimum scholarship at any member college or university.

TUITION REWARD POINTS Annuities Cash Value Life Insurance Points equal to 5% of annuity cash value at the end of each year. Reward Points Earned Total Accumulated Points End of Year 1 Points equal to first year premium paid Min: 1,000 points Max: 5,000 points End of Year 2 1,000 points 1,000 End of Year 3+ 1,000 points each year policy continues 1,000

TUITION REWARD POINTS Long Term Care Insurance Medicare Supplement Products Reward Points Earned Reward Points Earned End of Year 1 2,500 points End of Year 1 1,000 points End of Year 2+ 500 points for each year policy continues End of Year 2 + 100 points

TUITION REWARD POINTS BONUS POINTS 500 point Initial Registration Bonus 500 point Annual Review Bonus 500 point Referral Bonus (one time only) 500 point Bonus for initial appointment

Help your clients fund a college education for someone they love with Tuition Rewards REDEEMING REWARDS Let s assume you have accumulated 30,000 in Tuition Reward points at the time the recipient of your reward is ready for college. The institution has a first-year tuition of $25,000. The maximum tuition rewards the institution will allow this student to use is $25,000 spread evenly over four years. That means your child s scholarship will amount to $6,250 per year. Remaining points can be distributed to other children in your family. Sunday, September 30, 2012

Rewards Maximum You can earn up to a maximum of one full year of tuition, spread equally over four years. Some exceptions may apply. Please visit www.tuitionrewards.com for more details. Rewards Enrollment Deadline You, or a designated related party, can enroll children, grandchildren, stepchildren, God children, adopted children, nieces and nephews starting at birth up to August 31st of the year the student begins the 11th grade. Assignment of Tuition Rewards to the student must take place by August 31st of the year the student starts the 12th grade. In other words, points must be transferred from the sponsor s account to the student by August 31 of the year 12th grade begins. How to get Started Are you ready to start earning your Tuition Rewards? If you have not yet received your Welcome to Tuitions Rewards email courtesy of your American Senior Benefits agent, please contact your American Senior Benefits agent so he/she can add you to Tuition Rewards. Once you receive your Welcome email, follow the simple steps to complete your online registration. It s that simple! You can easily view your Tuition Rewards statement by signing into your account at www.tuitionrewards.com Electronic notices will be sent to you as new Tuition Rewards are posted to your account.

As of January 2017, we have 375 private colleges Help fund a college education for someone you love with Tuition Rewards Students can redeem rewards at over 375 private colleges across the United States. If your enrolled child chooses to apply to one of the schools in our program, you must electronically submit a Tuition Rewards statement to a participating school. This can be easily done by signing into your account at www.tuitionrewards.com and selecting the Your Students tab. If a student doesn t attend a participating college, rewards may be transferred to another eligible family member. Remember, no individual can use more than one full year of tuition, spread over four years. The earlier you start planning for retirement and your own security, the more you can earn in Tuition Rewards. And, if you transfer an annuity or other product to an American Senior Benefits company, you can start earning rewards for your account balance immediately.

Consortium Member Colleges Alabama Birmingham Southern College Faulkner Univeristy Huntingdon College Spring Hill College Arizona Benedictine University at Mesa Embry-Riddle Aeronautical Univ. Prescott College Arkansas Harding University John Brown University Lyon College Ouachita Baptist University University of the Ozarks California Alliant International University California College of the Arts Concordia University Dominican University of California Mount St. Mary s University Simpson University University of LaVerne University of Redlands University of San Diego Whittier College Connecticut Mitchell College Post University University of Bridgeport University of Saint Joseph Delaware Wesley College Florida Ave Maria University Eckerd College Embry-Riddle Aeronautical Univ. Florida Institute of Technology Florida Southern College Johnson University (Florida) Lynn University Rollins College Saint Leo University St. Thomas Univesity Stetson University University of Tampa Georgia Berry College Brenau University Clark Atlanta University Emmanuel College Morris Brown Oglethorpe University Point University Savannah College of Art & Design Shorter University Wesleyan College Hawaii Chaminade University of Honolulu Idaho Northwest Nazarene University Illinois Benedictine University Bradley University Concordia University Chicago DePaul University Dominican University Elmhurst College Greenville College Illinois Institute of Technology Judson University Lake Forest College Lewis University Lincoln College MacMurray College McKendree University Millikin University North Central College Olivet Nazarene University Quincy University Robert Morris University Rockford University Roosevelt University St. Xavier University Trinity Christian College Trinity International University University of St. Francis Indiana Bethel College Calumet College of St. Joseph Franklin College Goshen College Grace College Holy Cross College Huntington University Indiana Wesleyan University Manchester University Marian College Oakland City University Saint Joseph s College Saint Mary s College Taylor University Trine University University of Evansville University of Indianapolis Valparaiso University Wabash College Iowa Briar Cliff University Clarke University Coe College Cornell College Grand View University Iowa Wesleyan College Loras College Mount Mercy University Morningside College University of Dubuque Kansas Bethany College Benedictine College Newman University Southwestern College Kentucky Asbury University Campbellsville University Georgetown College Lindsey Wilson College University of the Cumberlands Maine College of the Atlantic Thomas College Unity College Maryland Capitol Technology University Goucher College Hood College Maryland Institute College of Art Mount St. Mary s University Stevenson University Massachusetts Anna Maria College Clark University Eastern Nazarene College Endicott College Gordon College Lasell University Lesley University Nichols College Springfield College Suffolk University Wentworth Institute of Technology Western New England University Worcester Polytechnic Institute Michigan Adrian College Albion College Alma College Aquinas College College for Creative Studies Hillsdale College Lawrence Tech University Madonna University Marygrove College Olivet College Siena Heights University University of Detroit Mercy Minnesota Augsburg College College of St. Scholastica Concordia University-St. Paul Hamline University Minneapolis College of Art & Design North Central University Saint Mary s University University of St. Thomas With Tuition Rewards, We Make Private College Education More Affordable SAGE Scholars, Inc., 1650 Arch St., Suite 1903, Philadelphia, PA 19103 voice 215-564-9930 fax 215-564-9934 info@sagescholars.com www.tuitionrewards.com www.marketcapandgown.com Mississippi Millsaps College William Carey University Missouri Avila University Culver-Stockton College Fontbonne University Hannibal-LaGrange University Kansas City Art Institute Lindenwood University Missouri Baptist University Missouri Valley College William Jewell College Montana Carroll College Rocky Mountain College Nebraska Concordia University Nebraska Creighton University Hastings College Midland Lutheran College Nebraska Wesleyan University York College Nevada Sierra Nevada College New Hampshire Colby-Sawyer College New England College New Jersey Berkeley College Fairleigh Dickinson University Felician University New York Alfred University Berkeley College Canisius College College of New Rochelle Clarkson University Daemen College Elmira College Hartwick College Hilbert College Houghton College Manhattanville College Marist College Paul Smith s College Pratt Institute Rensselaer Polytechnic Institute Roberts Wesleyan College Rochester Institute of Technology Russell Sage College The Sage College of Albany St. Bonaventure University St. Lawrence University St. Thomas Aquinas College Union College Wagner College Wells College (continued on next page)

North Carolina Barton College Bennett College Brevard College Catawba College Chowan University Gardner-Webb University Lees-McRae College Mars Hill University Meredith College Pfeiffer University Queens University of Charlotte St. Andrews Presbyterian University University of Mount Olive Wingate University North Dakota University of Jamestown University of Mary Ohio Antioch College Ashland University Baldwin Wallace University Capital University Cleveland Institute of Art Cincinnati Christian University Defiance College Heidelberg University Hiram College John Carroll University Lake Erie College Lourdes College Malone University Mount Vernon Nazarene University Muskingum Univesity Ohio Northern University Ohio Wesleyan University Otterbein University The College of Wooster Tiffin University University of Dayton University of Findlay University of Mount Union University of Rio Grande Ursuline College Walsh University Wilberforce University Wilmington College Wittenberg University Oklahoma Oklahoma Christian University St. Gregory s University Oregon Corban University Linfield College Pennsylvania Albright College Allegheny College Alvernia University Arcadia University Bryn Athyn College Cabrini University Cairn University Carlow University Cedar Crest College SAGE Tuition Rewards : Member Colleges Pennsylvania (continued) Chatham University Chestnut Hill College Delaware Valley University Drexel University Duquesne University Eastern University Gannon University Geneva College Gwynedd-Mercy University Harrisburg University of Science & Technology Holy Family University Immaculata University Keystone College Kings College Lancaster Bible College LaRoche College La Salle University Lebanon Valley College Lycoming College Manor College Marywood University Mercyhurst University Messiah College Misericordia University Moore College of Art and Design Moravian College Mount Aloysius College Neumann University Point Park University Robert Morris University Rosemont College Saint Francis University Saint Vincent College Seton Hill University Susquehanna University The Restaurant School at Walnut Hill College Thiel College University of Valley Forge Ursinus College Washington & Jefferson College Waynesburg University Westminster College Widener University Wilkes University Wilson College York College of Pennsylvania Rhode Island Salve Regina University South Carolina Coker College Converse College Limestone College South Dakota Augustana University Tennessee Cumberland University Fisk University Johnson University Lincoln Memorial University Milligan College Tennessee Wesleyan College Trevecca Nazarene University Tennessee (continued) Tusculum College Union University Watkins College of Art, Design & Film Texas Austin College Houston Baptist University Huston-Tillotson University Schreiner University Southwestern University Texas Wesleyan University University of Saint Thomas University of the Incarnate Word Utah Westminster College Vermont Green Mountain College Norwich University Saint Michael s College Southern Vermont College Virginia Bluefield College Bridgewater College Eastern Mennonite University Emory & Henry College Ferrum College Hampden-Sydney College Hollins University Randolph College Randolph-Macon College Roanoke College Virginia Wesleyan College Washington Pacific Lutheran University Saint Martin s University West Virginia Alderson Broaddus College Bethany College Davis & Elkins College Salem International University University of Charleston West Virginia Wesleyan College Wheeling Jesuit University Wisconsin Alverno College Beloit College Cardinal Stritch University Carroll University Carthage College Concordia University of Wisconsin Edgewood College Lakeland University Lawrence University Marian University Milwaukee Institute of Art & Design Milwaukee School of Engineering Mount Mary University Northland College Ripon College Silver Lake College St. Norbert College 375 member colleges, 45 states Updated 2/7/17

FREQUENTLY ASKED QUESTIONS... Q. Why do Colleges participate? A. Participating colleges use this as an opportunity to attract qualified students. These colleges understand that they need to remain affordable, and they want to reward families who conscientiously save and prepare for their child s education. Q. Is a child guaranteed admission at participating Colleges? A. No. The normal admissions standards for each school still apply. Q. Can a child still apply for financial aid? A. Yes. Financial aid should be discussed with a financial advisor, high school guidance counselor or intended college when the time is appropriate. Participating colleges reserve the right to use Tuition Rewards as part of or separate from the normal financial aid package. Q. What happens to earned Tuition Reward credits if an annuity contract is completely surrendered or annuitized? A. If there is a partial surrender or annuitization, the 5% annual crediting continues in force on the reduced net value, and all prior points continue to accumulate. If the annuity ends completely, the points will not continue to grow but will remain as is. As for other products, points will be granted as long as the plans remain in force.

FREQUENTLY ASKED QUESTIONS... Q. When a child attends college, must I use my eligible Tuition Reward points? A. No. It is always your choice of how to finance the child s education. Q. Is this Tuition Reward guaranteed? A. Yes. the program is a guarantee of a minimum discount. Or, colleges might blend the Tuition Rewards into the total financial reward package they can offer your student. Q. What if my designated student s favorite college is not on the list? A. More colleges are being added all the time, and their favorite may be added to the list by the time they need to select a school. Q. Will public schools ever be part of the program? A. The Tuition Rewards program is for private colleges-not public (state) schools-at the undergraduate level only. Q. What happens to unused rewards? A. You may re-allocate unused rewards to other related children. Contact your American Senior Benefits Agent for more information.

12722 S. Blackbob Rd Olathe, KS 66210 913-451-2724 Program is subject to change Program is applicable to any eligible products issued on or after September 15, 2012. Eligible products include fixed and fixed-indexed annuities, cash value life insurance policies, Long Term Care policies, and Medicare Supplement policies issued through American Senior Benefits companies. Single premium immediate annuities are not eligible. Please note that participating colleges are exclusively responsible for providing all Tuition Rewards. American Senior Benefits does not provide any guarantees in connection with this program. 09/12