For Agent Use Only. Policy amounts shown are per person.

^† Individual state regulations including product availability, allowed maximum or minimum may vary by state. It is recommend your client contact a legal advisor for complete details on irrevocable assignments, Medicaid eligibility and using a trust to protect their assets, including a life insurance policy.

^†Medicaid limits the face amount of policies assigned to the FET: Immediate Spend Down Protection Plan which they will consider excluded assets in the following states: AZ - $8,000; CT - $5,400; DE - $15,000; GA - $10,000; IA - $11,566; IN - $10,000; KS - $7,000; LA - $10,000; NE - $4,926; MO - $9,999; ND - $6,000 (premium); OK - $10,000; PA - Limit varies based on where the applicant resides; SD - $10,000; TN - $6,000; UT - $7,000; VT - $10,000

^†FET: Immediate Spend Down Protection Plan: not available in FL, MA, MI, NV or TX.

^†IN residents may use the NGL Final Expense Trust, which offers similar benefits of the Funeral Expense Trust, using an Indiana-based trust.

Maximum face amount for multi-year payment plans limited to $35,000 per person, and 1.75% growth rate.

American Legacy Assurance policy through NGL earns daily simple growth.

Optional Revocable Living Trust with "Pour Over" Will Available for an additional cost