LINCOLNBENEFITLIFE PRODUCT ALMANAC There is strength in our numbers.® LBL1856-3 For Broker/Dealer or Agent Use Only The policies discussed herein contain limitations and other provisions that may not be highlighted. This is not a part of any contract and is not to be used in sales presentations with the public. Products and/or riders may not be approved in all states. Please contact your marketing organization if you have any questions. The product almanac This “almanac” contains information about the products of Lincoln Benefit Life, a company with a reputation for quality service. We offer a complete portfolio of diverse plans to custom fit the insurance needs of your customer. Lincoln Benefit Life, a member of Allstate Financial Group, is a wholly owned subsidiary of Allstate Life Insurance Company of Northbrook, Illinois. Ratings LBL is highly rated by insurance industry analysts. The rating companies and designated LBL ratings are as follows: A.M. Best A+(r) Superior; 2nd highest of Best’s 13 ratings1• Ratings range from A++ to D • A.M. Best rating is for financial strength • The (r) rating conveys that Lincoln Benefit Life automatically reinsures all business with Allstate Life. Standard & Poor’s Financial AA2 Very strong, 3rd highest of S&P’s 17 ratings1• Ratings range from AAA to CCC • S&P rating is for financial strength Moody’s Aa22 Excellent, 3rd highest of Moody’s 21 ratings1• Ratings range from Aaa to C. • Moody’s rating is for financial strength For additional information about Lincoln Benefit Life, contact your marketing organization. 1 As of June 2003, ratings are subject to change. 2 The ratings from Standard & Poor’s and Moody’s reflect the financial strength of Lincoln Benefit Life’s parent company, Allstate Life Insurance Company. 1 Table of contents Fixed Annuities AllstateTreasury-Linked Annuity . . . . . . . . . . . . . . . . . . .3 Saver’s Index . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4 Saver’s IndexIII . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 SPIA . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 SureHorizonSM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 TacticianPlus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8 Variable Annuities Consultant Variable Annuity I . . . . . . . . . . . . . . . . . . . . . .9 Consultant Variable Annuity II . . . . . . . . . . . . . . . . . . . .10 LBL Advantage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Premier Planner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Term Life Plans GT Gold . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 GT Platinum . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Level Best Gold . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Level Best Platinum . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Fixed Universal Life GenerationLinc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Legacy Premier SLSM . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Legacy Premier ULSM . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Ultra 100 Plus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Variable Universal Consultant Accumulator VUL . . . . . . . . . . . . . . . . . . . . .21 Consultant Protector VUL . . . . . . . . . . . . . . . . . . . . . . . .22 Consultant SL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 Long-Term Care SeniorLincPremier . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 *Variable products are underwritten by ALFS, Inc. of Northbrook, IL. 2 Allstate Treasury-Linked Annuity  (Policy # AP-0200) Flexible Premium Deferred Annuity Target Market Excellent alternative to certificates of deposit or bonds. Great choice for investors seeking tax favored income, tax deferral, cash accumulation and retirement savings. Offers a competitive rate tied to the U.S. Treasury Constant Maturity 5-year yield. Features and Benefits • A competitive 5-year interest rate that’s guaranteed • Earn additional interest based on upside performance of 5-year U.S. Treasury rate • Underlying 5-year guaranteed rate protects against U.S. Treasury rate declines • Waiver of charges (AR 0201) Provides for additional “free” withdrawals if owner is confined to a long-term care facility, or diagnosed with a terminal illness, or becomes unemployed • No up-front or annual charges or fees Plan Details • Issue ages 0 to 90 (Owner and Annuitant) • Qualified and Non-qualified plans • Up to 10% penalty-free withdrawal per policy year 3 Saver’s Index® (Policy # AP-9412) Single Premium Deferred Annuity Target Market Low risk tolerant savers who could benefit from equity index-linked growth for their retirement savings and also want protection against index losses. Features and Benefits • Equity index-linked return Interest credited is determined annually by the growth in the S&P 500. Composite Stock Price Index, which does not include dividends • Guaranteed minimum growth Your customer’s account values are guaranteed never to grow by less than 0% (i.e., declines in the index are not “charged” to their annuities). • Annual Index Reset Annual increases are “locked in” on each anniversary and a new calculation starting point is established. • Confinement waiver benefit Provides for additional “free” withdrawals if annuitant is confined to a long-term care facility • Guaranteed safety The surrender value of the policy is guaranteed never to be less than 90% of premiums paid accumulated at 3% annually. Plan Details • Issue ages 0 to 75 (Annuitant); 0 to 99 (Owner) • $5,000 minimum ($2,000 for qualified plans) • Up to 10% penalty-free withdrawal per policy year after the first policy year Comments For more information on this product, please refer to the contract or the appropriate sales material. 4 Saver’s Index® III (Policy # AP-9750) Flexible Premium Deferred Annuity Target Market Low risk tolerant savers who could benefit from equity index-linked growth for their retirement savings and also want protection against index losses. Features and Benefits • Equity index-linked return • Interest rate credited is determined annually by the growth in the S&P 500. Composite Stock Price Index, which does not include dividends. Each premium creates it’s own Indexed Account with its own surrender charge schedule and interest crediting and it’s own participation rate and cap. • Guaranteed minimum growth Your customer’s account values are guaranteed never to grow by less than 0% (i.e., declines in the index are not “charged” to their annuities). • Annual Index Reset Annual increases are “locked in” on each anniversary and a new calculation starting point is established. • Confinement waiver benefit Provides for additional “free” withdrawals if annuitant is confined to a long-term care facility • Guaranteed safety The surrender value of the policy is guaranteed never to be less than 90% of premiums paid accumulated at 3% annually. Plan Details • Issue ages 0 to 85 (Annuitant); 0 to 99 (Owner) • $10,000 Minimum • Qualified & Non-qualified plans • Up to 10% penalty-free withdrawal of accumulated value per policy year after the first policy year 5 SPIA (Policy # AP-8715) Single Premium Immediate Annuity Target Market Investors in need of a guaranteed periodic income. Also a great way to fund life insurance. Features and Benefits • Choice of payment options Options available include: Life Only, Life with a Period Certain, Period Certain Only, Joint and Survivor, Joint and Survivor with a Certain Term, and Installment Refund. • Special features on 10-year period certain and longer, and all life options. Customers choose an annual increasing payment option of a set percentage from 2-5% compounded annually. • Substandard underwriting offers the possibility of increasing income payments for “impaired risk” customers by increasing their age by up to five years for those who qualify. • Guaranteed refund option Payment options can be structured such that at least the premiums paid are guaranteed to be “paid back out” to the beneficiary. • Flexible payment modes Payouts available on annually, semiannually, quarterly, or monthly basis. Plan Details • Issue ages 1 to 99 using age nearest birthday (Maximum issue age for Life Only option is 75) • $5,000 minimum • First payment must begin within 12 months of issue • Options for over age 75 are a Period Certain or installment equal to the original premium submitted • Qualified for use with IRAs and other qualified plans in a distribution phase 6 SureHorizonSM (Policy # AP-0300) Flexible Premium Deferred Annuity Target Market This product is a flexible premium deferred annuity that offers long-term cash accumulation and tax-deferred growth. The SureHorizon is also great for customers looking to lock in a competitive rate of return that’s guaranteed for a specific length of time. Features and Benefits • Guaranteed interest rate • 6-year, contract year based surrender charge period • Competitive interest rates and options to earn additional and bonus interest on top of the guaranteed interest rate • Flexibility in accessing money through withdrawals or income payments • Multiple rate guarantee periods • Compound growth • Optional death benefit • Optional ROP guarantee Plan Details • Issue ages 0 to 90 • Guaranteed minimum interest 3.5% years 1-14; 4.0% years 15+ • Minimum face amount: Initial $3,000 Qualified and Non-Qualified Subsequent: $100 (per payment) • Riders available: Optional Death Benefit Rider, Purchase Payment Guarantee Rider (ROP), Waiver of Charges Rider (Terminal Illness Rider, Nursing Home Rider, Unemployment Rider) 7 Tactician Plus (Policy # AP-9800, GAP-9880) Flexible Premium Deferred Annuity *Single Premium Deferred Annuity in the state of MA Target Market Investment alternative to certificates of deposit, zero coupon bonds and treasury bond ladders. Features and Benefits • Choice of guarantee periods Your customers can choose from 5-, 6-, 7-, 8-, 9- and 10-year periods. • Spread premiums into as many guarantee periods as your customers want. Customers can “ladder” guarantee periods to hedge interest rates. • Market value adjustment Reflects changes in the interest rate environment • Confinement waiver benefit Provides for additional “free” withdrawals if owner is confined to a long-term care facility, or diagnosed with a terminal illness, or becomes unemployed • Special interest rate bonus offered for guarantee periods 5-, 7-, 8-, 9- and 10-years. Plan Details • Issue ages 0 to 90 • $5,000 minimum ($2,000 for qualified plans) • $1,000 minimum per selected guarantee period • Up to 10% penalty-free withdrawal per policy year Comments For more information on the bonus structure, please refer to the contract or the appropriate sales material. 8