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- COMPANY, FINANCIAL & INVESTMENT DETAILS -

Recently Upgraded by A.M. Best!

(Oct 2019)

CURRENT FINANCIAL STRENGTH RATING:OutlookStableB+

EQUITABLE LIFE & CASUALTY INSURANCE COMPANY299 South Main Street, Suite 1100, Salt Lake City,Utah 84111www.equilife.com

ELC-FSB-EOY2019

Who you choose to partner with matters. Since 1935, Equitable Life & Casualty Insurance Company has operated under the guiding principles of everyday excellence and compassion - for our customers, our business partners, and our employees. Because of that, we have proudly held the title of Utah’s oldest active life insurer.

SILAC, Inc. purchased Equitable in April 2017, bringing both access to capital and strong, experienced leadership. With our experienced management team, we are well-positioned for future growth.

Throughout its 80+ year history, Equitable has been a pioneer in emerging markets. In 1965, Medicare Supplement Insurance was developed, followed byEquitable beginning to develop and market Long Term Care products in 1974. This tradition continues with the introduction of Fixed Annuities in 2018 and Fixed Index Annuities in 2019.

Our current AM Best Rating is B+, Outlook Stable. Financial strength is comprised of a number of factors. At Equitable, we have a strong balance sheet, strong income statement and one of the highest solvency ratios in the industry. Our goal is always to create and provide products for current and future policyholders to help with their savings and retirement needs, supplemental health insurance, and the ability to leave a financial legacy for their family.

The character of the Equitable family is what truly sets us apart. Over the years, we’ve earned a national reputation for caring. Its value cannot be measured in dollars; and we passionately guard and preserve it. We know that our policyholders & distribution partners all have options; and we are focused on Equitable Life & Casualty being your #1 choice.

Equitable is licensed in 48 states and the District of Columbia.

MYGA OVERALL RANKING:

EQUITABLE #6

Q4 2019 WINK SALES RANKINGS

OVERALL CARRIER RANKING:

EQUITABLE #1*

*IN THE INDEPENDENT AGENT CHANNEL

TOTAL ADMITTED ASSETS12/31/2018:

TOTAL ADMITTED ASSETS12/31/2019:

A 337%337% INCREASE IN ONE YEAR!$485.3 M $1.636 BILLION

•Audited• •UnAudited•

SECURE SAVINGS 5: RANKED #2

SECURE SAVINGS ELITE 5:RANKED #3

SECURE SAVINGS ELITE 2:RANKED #5 } 3 OF THE TOP 5

MYGA PRODUCTS!

Peer Comparison AM BestRating

SolvencyRatio

Equitable Life & Casualty B+ 108%

Equitrust Life Insurance Company B++ 109%*

Investors Heritage B+ 108%*

Fidelity & Guaranty Life A- 107%*

American Equity Insurance A- 106%*

Atlantic Coast Life B++ 106%*

Nationwide Insurance A+ 104%*

Sentinel Security Life B++ 103%*

Athene A 102%*

*Some companies have not released 2019 EOY Solvency Ratios; these are their most recently published results.

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1. CompetitivenessOur products are designed to fill a specific need, whether that be guaranteed accumulation, indexed accumulation, etc.

2. TransparencyFor every product feature that is added, we make sure it is transparent, not overly complicated and adds value.

3. ConsistencyIn order to maintain consistency in rates over time, we spend the same amount on option budgets each year. That means great rates and renewals.

4. A Financial ResponsibilityWe offer financially responsible products that align the carrier, the agent, and the policyholder, insuring that all of our interests are aligned. We strive to create products that offer true value without any “window dressing.”

OUR INVESTMENT PORTFOLIO & STATUATORY FINANCIALS (12/31/19)

Our investment strategy includes a high quality portfolio focused on investments in publicly-traded bonds, structured securities, and commercial mortgage loans. Our portfolio continues to be well-diversified, with the majority of assets carrying an

Investment Grade (NAIC 1&2) rating.

A proud member of the SILAC, Inc. family

BREAKDOWN BY CATEGORY

TOTAL ADJUSTED CAPITAL:

$137.6 M

CASH & INVESTED ASSETS:

$1.504 B

PRE-TAXSTATUATORY INCOME:

$23.4 M

BALANCE SHEET HIGHLIGHTS

EXPERIENCE, INNOVATION & EXCELLENCE TO HELP RAISE YOUR RETIREMENT EXPECTATIONS.

PRODUCT DEVELOPMENT PHILOSOPHY YEAR IN REVIEW (12/31/19):

TOTAL INCOME:

$449.5 MTOTAL EXPENSES:

$426.2 MNET GAIN

FROM OPERATIONS BEFORE FIT:

$23.4 M- =

EQUITABLE LIFE & CASUALTY INSURANCE COMPANY299 South Main Street, Suite 1100, Salt Lake City,Utah 84111www.equilife.com

ELC-FSB-EOY2019

485,293,645

427,557,010

485,293,645

AS OF12/31/2018

.AUDITED.

1,636,173,672

1,514,885,767

1,636,173,672

AS OF

12/31/2019.UNAUDITED.

Composition of Invested Assets

TOTAL ADMITTED ASSETS

TOTAL LIABILITIES

TOTAL LIABILITIES & SURPLUS