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State Availability (effective 7/22/13) Important News This Week Income 125+ will be available in Illinois on August 12, 2013! The ForeFrontSM Fixed Index Annuity Series has launched!  Announcing changes to the Bonus Advantage Illustration: We've improved the withdrawal capabilities of the illustration.  You can still specify amounts in terms of dollars or as a percentage of contract value, but now you can vary the amount of the withdrawal each year!  You can also defer income activation from 0-20 years of deferral for any scenario or may choose to never activate income.  Just another way we're making the illustration more flexible for you!          To date, ForeFront is available in: AL, AR, AZ, CO, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NC, ND, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, AND WY To date, Income 125+ is available in: AL, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IN, IA, KS, KY, LA, MA, ME, MI, MO, MS, MT, NE, NH, NJ, NM, NC, ND, NV, OH, OK, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, and WY. Please reference the State Approval sheet for current state availability. Income 125+ and ForeFront forms and marketing materials are available in these states through the Document Library, or log on to www.forethought.com to order new materials. Get ready to sell ForeFront Fixed Index Annuity Series! As with all of our products, you must complete the required product training before selling. Newly contracted agents who have not completed any product training should go to RegEd to complete the required product training. For agents who have completed product training, for a limited time you can complete the ForeFront training by simply reviewing the training presentation here. Upon completion, reply to this email (annuity.services@forethought.com) with your name, agent number and statement that you completed the ForeFront product training. If you have any questions, please contact Annuity Services at 877-244-7526 or simply reply to this email. Helping to Solve Retirement Income Issues 8% commission ages 0-75; 6% ages 76-851 Index Bonus 115SM 15% income bonus on initial premium received (Applied to Guaranteed Lifetime Income Account Value. Not available on cash surrender and does not apply to contract value or death benefit)2 Guaranteed 6% annual accumulation3 on the Income Account Value each contract anniversary for the first 10 years, or until the income benefit is activated if earlier (Not applied to the contract value or death benefit) Grow total death benefit up to 200% of premium less withdrawals (or until age 85, whichever comes first)4 with the Optional Increased Death Benefit Guarantee Rider Guaranteed income for life3 even if your contract value falls to zero after income activation5 Get everything you need to sell this product, from training to marketing materials and current forms, using the Annuity Toolkit! Call your IMO or Forethought's Sales Desk at 855-44SALES (855-447-2537) for more information about Index Bonus 115 today! Forethought Agents should now go to RedEd for product specific training. Please note that if you do no already have one, you will need to create a username and password with RedEd. You can register with RegEd by following the attached link: https://secure.reged.com/TrainingPlatform/ © 2013 Forethought Products are issued by: Forethought Life Insurance Company 300 N. Meridian Street, Ste. 1800 Indianapolis, IN 46204 1Commissions reduced by 1.00% in AK, CT, DE, FL, MN, NV, OH, SC, TX and UT. 2There is an annual charge for the Guaranteed Lifetime Income Benefit Rider, applied monthly to the contract value. 3Guarantees are based on the claims paying ability of the issuing company. 4Optional Increased Death Benefit Guaranteed Rider sets a death benefit floor equal to premium less withdrawals, increased by 5% of premium less withdrawals for each full contract year completed. Total death benefit for the contract is maximum of contract value or death benefit floor at time of death. Available at issue only for ages 0-75. Annual charge applies to contract value. 5Assuming no excess withdrawals. Income 125+SM, Index Bonus 115SM fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with contract FA2001SPDAX-01 and FA2001SPDAX-01 and FA2001SPDAXL-01 (certificate series GA2001SPDAX-01, as applicable). State variations apply. Read the contract for complete details.   ForeFrontSM, Bonus AdvantageSM , fixed index annuities are issued by Forethought Life Insurance Company, are available in most states with Contract FA1201SPDAX-01, FA1201SPDAX-02, ICC11-FA1201SPDAX-01 and FA1201SPDAXL-02 (certificate series GA1201SPDAX-02, as applicable). Read the contract for complete details. www.forethought.com NOT FOR USE WITH THE PUBLIC. FOR AGENT USE ONLY.

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