PPVUL is a Wealth Enhancement Vehicle

• Allows for intergenerational asset transfers
• Pension options
• Death benefits

PPVUL is Tax Advantaged

• Lifetime income tax deferred
• Potential for tax free withdrawals and policy loans
• No income tax to beneficiaries on death
• No estate tax, when properly structured

PPVUL Allows for Broad Array of Investment Managers

• Global policies (non-US compliant) are very flexible
• US compliant policies are subject to investor control

PPVUL Allows for Broad Selection of Investment Strategy

• Global securities offerings and currencies available
• Hedge funds holding less liquid assets such as private placement or real estate acceptable
• US compliant policies are subject to diversification limits

PPVUL is completely transparent

• Fully disclosed policy costs
• No internal sales loads
• Negotiable external sales fees
• No surrender charges or other insurance company penalties
• Low insurance company expense and administration charge
• Low cost of insurance charges, subject to age and medical evidence of insurability
• Policyowner selects frequency and amount of premiums

Separate Account Protection for Assets

• Secure, legally segregated accounts established under special act of the Bermuda legislature
• Only available to meet obligations of policy
• Cannot be charged with liabilities from Acadia Life’s general business

Disclaimer: This is only a summary of the product features and costs. A full explanation of costs, fees and charges and other product features including risks of investing is only available in a private placement memorandum to select qualified investors.