Build Your Business With GBU Life

BUILD YOUR BUSINESS WITH

Securing Futures, Giving Back

WHO WE ARE INSURANCE THAT MAKES A DIFFERENCE At GBU Life (GBU), we specialize in life insurance and annuity products to protect families and anchor retirements.

We do things differently at GBU as we don't have shareholders. We don’t have clients. Instead, we have members—members who come to GBU Life to secure their futures, build their legacies and impact the communities around them.

From the start, GBU Life has been member-owned and memberdriven. As a not-for-profit company, we emphasize value and values.

Our members can realize their financial protection goals and give back to people and causes that matter most to them.

OUR VISION To grow into a best-in-class insurance company, providing competitive products, services, community strengthening and member activities for all generations.

OUR MISSION To strengthen and protect the financial well-being of our members and help support their communities.

FINANCIAL STABILITY Providing financial strength and security to our members since 1892.

CAGR is Compound Annual Growth Rate of surplus or assets, as applicable, and was calculated for the period 12/31/16 through 12/31/20. Assets and surplus for each year is as of 12/31.

MEETING HIGH INDUSTRY STANDARDS Our increasing membership base and favorable operating performance are acknowledged by the industry. A.M. Best recognizes GBU Life’s fiscal responsibility and growth by assigning us one of the highest insurance company ratings.

A.M. Best Company has rated GBU Financial Life A- since 2017. Third-party ratings are subject to change.

LIFE INSURANCE LIFE INSURANCE PRODUCTS TO MEET YOUR CLIENT'S NEEDS AT ANY STAGE OF LIFE GBU offers a wide range of face values, coverage terms and rider options for both term and whole life insurance products. Our member-owned model is reflected in our competitive premiums along with dividend options for growth.

SECURE WHOLE LIFE Face values from $5,000-$5M. Payment term options: Single Premium, payments to age 100, payments to age 65, 10-year payment plan, 20-year payment.

High Value Option: accelerates cash value and dividend accumulation.

AVAILABLE RIDERS Guaranteed Purchase Option Paid-Up Additional Death Benefit Option Waiver of Premium Accidental Death Benefit Terminal, Critical and Chronic Illness Spousal and Children's Term Coverage

SELECT CHOICE TERM Face values from $15,000-$5M. Payment term options: Annual Renewable, 10 year, 15 year, 20 year, 30 year or 35 year.

AVAILABLE RIDERS Waiver of Premium Accidental Death Benefit Terminal, Critical and Chronic Illness Children's Term Coverage

YOUTH 3 PAY WHOLE LIFE A simple permanent life policy for ages 0-17.

Face values from $5,000-$50,000.

Payment term: 3 equal annual payments.

AVAILABLE RIDERS Guaranteed Purchase Option Accidental Death Benefit

GBU Life is the marketing name for GBU Financial Life. Life insurance policies are issued by GBU Financial Life (GBU), 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. Products referenced are offered and sold only by appropriately appointed and licensed entities, financial advisors and professionals. Not all products and riders are available in all states and may vary by state. Certain riders may not be available with all products. Payment of dividends is not guaranteed as the assumptions on which they are based are subject to change. Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Coverages for disability, accident and/or illness are defined in the policy. Life application ICC20-LLA, FL20-LLA.2. If you contact GBU, you may be offered information regarding the purchase of insurance products and/or contacted by a licensed insurance agent. No statement contained herein shall constitute tax, legal or investment advice. You should consult with a legal or tax professional for any such matters.

FIXED ANNUITIES WHEN GUARANTEED GROWTH IS ESSENTIAL GBU offers some of the most competitive rates for fixed annuity products. Flexible withdrawal options and earning terms from 2-8 years mean your client has options for the secure growth of their money.

Single Premium Immediate Annuity (SPIA): GBU Life’s SPIA has a range of flexible payout options to meet your client’s financial needs.

ASSET GUARD MULTI-YEAR GUARANTEED ANNUITY 2-, 3-, 4- and 5-year terms available.

Withdrawal provision does not decrease crediting rate.

Nursing home, critical illness and terminal illness riders included.

PREFERRED FLEXIBLE DEFERRED ANNUITY 5- year and 8- year terms available.

Rate increases starting in 2nd contract year.

Loyalty bonus rate offered to members who select/want to renew after the contract term.

PREFERRED FLEXIBLE DEFERRED ANNUITY YIELD STABILITY HISTORY

Guaranteed for 12 months from date of issue. After the first contract year, subsequent rates are subject to change at any time but will not be less than the guaranteed rates of 2.00% and 1.65% on the Preferred 8 and Preferred 5 respectively. Effective annual yields will be lower if withdrawals are more frequent than annually. After the first contract year, annual annuity deposits are limited to: Preferred 8– $400,000 and Preferred 5–$200,000. GBU Life is the marketing name for GBU Financial Life (GBU). Annuities are issued by GBU Financial Life, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. All rates are subject to change at any time. Minimum rates are stated in the contract.

Products referenced are offered and sold only by appropriately appointed and licensed entities, financial advisors and professionals. Not all products and riders are available in all states and may vary by state. If you contact GBU, you may be offered information regarding the purchase of insurance products and/or contacted by a licensed insurance agent. Withdrawals prior to 59 1/2 may be subject to IRS penalties. No statement contained herein shall constitute tax, legal or investment advice. You should consult with a legal or tax professional for any such matters. Annuities application ANA 01/13.

WHY PARTNER WITH GBU LIFE GBU works hard to ensure your success in selling GBU products. As an independent agent you have access to everything you need to get started and keep going with a successful sales experience.

EXCEPTIONAL SERVICE AND SUPPORT A dedicated service and support staff to answer your questions.

A comprehensive support site and portal where you can access forms, client policy information, applications and more—even on the go!

Regional field support to assist you every step of the way.

Continuous training and education.

An easy to remember 800 number with instant prompt for sales support.

Electronic delivery of policy documents through iPipeline.

Simple to use illustration software for your desktop and mobile device.

Sales tips, success stories and company updates via our e-newsletter or podcast.

Text alerts for rate changes and other important information.

Professionally designed custom ads.

A welcome kit with printed sales materials and access to more anytime you need them.

COMPETITIVE COMPENSATION At GBU Life, we seek to provide highly competitive compensation to you and your agents. We have commission plans that help our agents meet their needs to grow resulting in long-lasting partnerships.

Our goal is to help you achieve your business objectives through our competitive and flexible compensation plans. We help you achieve success and encourage the expansion of your agent base by rewarding you with increased compensation. Affiliate with GBU Life and we can grow and partner together.

HELP MAKE A DIFFERENCE IN YOUR COMMUNITY GBU offers our members programs that help them make a difference in their communities and to causes they care about. When your client selects a GBU life insurance policy and annuity, they also receive A welcome donation to the charitable organization of their choice.

Reward for their volunteerism in the form of additional donations to the organizations they help.

Donation matching for local fundraising projects.

Cost reimbursement for local community projects.

A private, online community to exchange news and ideas.

Educational scholarship, grant and reimbursement opportunities.

Access to member-only discounts and special events.

WHAT OUR AGENTS AND MEMBERS ARE SAYING

ABOUT US Having been in the business for over 50 years and an independent broker for most of that time, I have had experience with many companies. GBU stands out as a quality carrier with great value for my clients...and myself. They are very professional and helpful with a very responsive staff. They are a pleasure to do business with.

Russ C., Member and producer

First, GBU has some great products at very competitive rates, and the underwriting department is extremely helpful in getting the policies issued. And you can build a relationship with your underwriter, that is very difficult with the big carriers. And the sales team at GBU is always there for you when you need help. Great company, give them the opportunity to help you give your clients some of the best products and rates in the industry.

Vern H., Producer with 48 years in the business

INTERESTED IN GETTING STARTED? GBU Life offers the competitive products, compensation and support of a large company with the personal service and flexibility of a small company. When you choose to be an independent agent for GBU Life, you become a GBU Life distribution partner–a partner that supports you, your business and your clients in securing futures and giving back.

To join our partnership, email us at sales@gbu.org.

FOR PRODUCER USE ONLY

PO BOX 645949, PITTSBURGH, PA 15264-5257 412-884-5100 800-765-4428 SALES@GBU.ORG GBU.ORG