How to Give Your Grandchild a Gift that Lasts a Lifetime

Coverage for your child. A gift that can last a lifetime. Juvenile life is not your typical life insurance policy. Aflac's Juvenile Life policy is focused on helping protect your child's future by guaranteeing them insurability as an adult and giving them a jump start on the road to financial independence. Unlike most gifts that parents/grandparents give that lose their value after a certain time; juvenile life insurance is a gift that can grow in value. The facts say you need the protection of the Aflac Juvenile Life insurance plan: Fact No. 1   Only 2-in-10 children have individual life insurance coverage.3 Fact No. 2   The No. 1 reason to purchase juvenile life insurance is future insurability.4 Understand the difference Aflac can make in your financial security. For over 60 years, Aflac has been dedicated to helping provide individuals and families peace of mind and financial security when they've needed it most. Our juvenile life insurance policies are just another way to help make sure you're protected. Why choose Juvenile Whole Life insurance? • Coverage doubles – The coverage amount doubles on the policy anniversary following the child's 18th birthday, at no extra cost. • Cash value – Loans on the policy's cash value can be used to help with college tuition or help with a down payment on a first home. • Premiums are guaranteed – You will know how much your coverage will cost from month to month and year to year. Why choose Juvenile Term Life insurance? • Policy renewal and coverage increases – Coverage continues until the policy anniversary date following the child's 25th birthday. At that time, your child has the right to convert to an individual permanent life policy at no more than double the face amount of the current policy. • Premiums are guaranteed for the term – You will know how much your coverage will cost from month to month and year to year. • Lower premiums – Term life premiums are generally lower than those for whole life insurance. To learn more about Aflac Juvenile Term and Whole Life insurance, please call the Aflac Benefit Center at Homeland HealthCare, (844) 842-1765 or visit juvenilelife.tmbisubscribers.com. Z160767 8/16

1 The policy effective date of coverage is the later of (1) the date the proposed insured attains the age of 14 days or (2) the date the proposed insured is first released from the hospital after birth. 2 Total life coverage for these policies cannot exceed $30,000. 3 2015 Insurance Barometer Study, LIFE HAPPENS and LIMRA, P. 13 4 2015 Insurance Barometer Study, LIFE HAPPENS and LIMRA, P. 21 Juvenile Term Life Limitations and Exclusions for Arizona, Idaho, New Jersey and Virginia: If the Named Insured commits suicide, while sane or insane, within two years from the Policy Effective Date, benefits will be limited to a refund of all premiums paid. Juvenile Whole Life Limitations and Exclusions for Arizona, Idaho, New Jersey and Virginia: If the Named Insured commits suicide, while sane or insane, within two years from the Policy Effective Date, benefits will be limited to a refund of all premiums paid, less any Indebtedness. In Arkansas, Policies A65JTORAR and A65JWOAR. In New York, Policies NY65JTO and NYR65JWO. In Oregon, Policies A65JROROR and A65JWOOR. In Idaho, Oklahoma, Pennsylvania, Texas and Virginia, Policies ICC0965JTO and ICC0965JWO. Policies may not be available in all states. Limitations and exclusions may apply. Benefits are determined by state and plan level selected. Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York. Aflac | All rights reserved | 1932 Wynnton Road Columbus, Georgia 31999 | Aflac.com

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