Tobacco Documents Online

Merit Smokers/Revised Page 1 Outside of package Low-Cost .; Life Insuranr.e for Low-Tar Merit Smokers! (inside panel:) • Usually No Medical Exam • Apply Easily by Mail • Take 10 Days to Review Your Policy • Easy payment choices

Mdrit Smokers/revised_II Endorsement letter (Merit letterhead/logo) Dear Merit Smoker: privacy of your home or office. Merit cigarettes, have the chance to apply for high amounts of low-cost life insurance coverage ... and do it by mail in the You probably have heard about life insurance discounts for non-smokers. But here is a first. Now you, a smoker of low-tar billion dollars of life insurance 'in force. .-which is licensed in all 50 states and currently has over 6.5. This plan is'being offered to you by National Benefit Life Insurance Company, one of America's leading insurance companies, .$10,000, $25,000 or $50,000 of term life insurance All Merit smokers under age 60 who qualify may get: coverage at ;:, ``... .. _ ._ your MasterCard or Visa account, or through National Benefit's unique Check-o-Matic option, or directly Lower-than-usual premium rates, easily payable through to the insurance company. This brochure contains the details on this term life .insurance coverage. Please read it through carefully. Then, all you need do is complete the Application, sign, seal and mail. Upon approval of your Application, you'll receive your insurance policy, describing your coverage and benefits. This plan is an excellent, low-cost way to add to your present life insurance coverage,'or to start a life insurance estate. Applying today could be the smartest thing you can do for yourself ... and for your family. P.`SL SEND NO MONEY l Your premiums will be automatically billed 10 days to examine your policy with no obligation. a o have the monthly premiums deducted from your personal checking cccount. Or, you may pay your premiums directly to National Benefit. In any case, you'll have to your Mas-~rCard or Visa account each month. Or, you may

Merit Smokers Brochure inside • Page 3 Choose any beneficiary you wish ...-benefits will be paid to the beneficiary of your choice, subject only to the policy's Dakota and Colorado). two-year suicide and incontestable clause (one year in North • Your coverage cannot be cancelled ... for any reason, other National Benefit within 10 days. Your coverage will be your policy. If you're not completely satisfied, return to 10-Day Examination Period ... Take 10 full days to examine than non-payment of premiums. Marketing Customer Service Department toll-free at For More Information ... Call National Benefit's Special have chosen our Check-o-Matic premium payment option). cancelled, and any premium charges made will be credited to your MasterCard or Visa account (or refunded to you, if you (800) 221-4584 or (212) 889-6644 collect in New York State and Ask about our Low-Tar Smokers Policy. Low Monthly Premium Rates For Merit Filter Smokers Plan 1 Plan 2 Plan 3 =10,0001n $25,000 In $50,000 In Age Last Life Ins. Life Ins. Life Ins. Birthday Benefits 8enef its Benefits 15-19 Male $ 1.64 Female = 1.67 Male $ 4.10 Female $ 4.17 ~ e $ 8.19 ema e = 8.33 20-24 1.87 1.84 4.66 4.59 9.32 9.18 25-29 1.97 1.95 4.91 4.86 9.81 9.72 30-34 2.16 2.14 5.38 5.34 10.76 10.67 35-39 2.77 2.51 6.91 6.26 13.82 12.51 40-44 4.08 3.27 10.20 8.17 20.39 16.34 45-49 6.30 4.93 15.75 12.31 31.50 24.62 50-54 9.81 7.53 24.53 18.81 49.05 37.62 55-59 15.28 11.58 38.19 28.94 76.37 57.87 60-64••t 22.97 16.47 57.42 41.16 114.84 82.31 65-69"t 34.78 25.79 86.94 64.47 173.88 128.93 * Maximum issue age 60. This coverage remains in effect until age 69. Coverage then terminates at age 70. + Does not include waiver of premium for disability. Premiums will increase only as you enter 0 each a e cate ory. You W will be billed monthly for the amount shown in the rate table above (or every three months, if you choose to pay directly to National Benefit. This term life policy does not accumulate a cash value or pay dividends. ~ ~ Gb

Merit Smokers/Revised .Brochure inside 4 Send No Money! You can choose one of 3 ways to'pay your premiums under this Low-Tar Smokers Plan: • If you wish to pay through your MasterCard or Visa account, fill in the correct account number below the application, and sign. (Please fill in only one account number -= the account you wish_,charged for the monthly premium deducted each month from your personal checking account through our convenient Check-o-Matic plan. If you wish to use Check-o- Page 4 -- either MasterCard If you wish, National Benefit will arrange to have your premiums or Visa.) Matic, just check the correct box below the Application. Or, you may pay your premiums directly to National Benefit on the date- your first premium payment is received. When you receive your policy, you'll also receive a bill for the first quarterly premium. Mail your first premium within 10 days to National Benefit. Your insurance will be in force every three months (quarterly). Just check the correct box. This brochure is an outline of benefits only. It is not a contract. Benefits are provided under.Policy Form 8-667. This Plan is not available to residents of certain states. because they are smokers of any brands of cigarettes whatsoever. Nothing in this insurance offering shall be taken to modify the Surgeon General's warning that cigarette smoking is dangerous to your health. National Benefit Life Insurance Compnay does not claim that any persons are better risks Underwritten by NATIONAL BENEFIT LIFE INSURANCE COMPANY - Two Park Avenue, New York, New York 10016

Merit Smokers/Revised Brochure/inside For your protection ... Page 5 e Information you provide will be treated as confidential; except National Benefit Life Insurance Company, or its reinsurer(s), may ( the Company with the information it may have in its files. Upon the request of the member Company, the Bureau will supply Only member Companies to which you have applied for insurance coverage or make a claim for benefits may request information. It operates an exchange of information on behalf of its members. is a non-profit membership organization of life insurance companies. make a brief report to the Medical Information Bureau....This Bureau you question the accuracy of the information, you may contact the Bureau. You may seek a correction in accordance with the information will only be disclosed to your attending doctor.) If you any of the information it may have on file. -(Medical Upon receiving a request from you, the Bureau will disclose to procedures set forth in the Federal Fair Credit Reporting Act. Contact the Bureau's information office at: Post Office 105, Essex Station, Boston, Massachusetts 02112, telephone number (617) 426-3660. National Benefit Life Insurance Company, or its reinsurer(s), may also release information in its files to other life insurance companies. Disclosure may be made to companies to which you may apply for life insurance coverage or make a claim for benefits.

Merit Smokers/Revised Page 6 s Application Application to National Benefit Life Insurance Company Life Insurance C] $10,000 13 $25,000 ~ $50,000 /LEASE BE SURE YOU HAVE ANSWERED QUESTION #1 ABOVE BEFORE CONTINUING PLEASE PRINT 2. Name of Proposed Insured 3. Residence Address C r Street City State Zip Telephone No.. ( ) 4. Height - Ft. _ In. 0 Male Birthdate Birthplace Age _ Werght-Ibs. OFema!e . Mo. Day Year - 5. Occupation Employer (Name) Socia! Security No [) O O' 0 O' 0 0 O 0 (Address) 6. Name of Beneficiary Retationship 7. (a) Name and address of your personal physician (if none, so state): (b) Date and reason last consulted? (c) What treatment was given or medication prescribed? 8. To the best of your knowledge and belief have you: (a) had medical or surgical advice or treatment for any ailment, injury or sickness or been hospitalized during the past 5 years? O Yes O No (b) ever had a disease of the brain or nervous system, heart, blood pressure, lung, cancer or tumor of any kind, vertigo, hernia, rheumatism, tuberculosis, goiter or any other serious disease or infirmity? 0 Yes 0 No 9. Are you now taking prescription drugs prescribed by a physician or any other medical facility? 0 Yes 11 No 10. Are you required to see a physician on a regular basis (for other than annual physica!s)? 0 Yes 0 No If the answer to 8,9 or 10 above is yes.give particu!ars,including names and addresses of physicians and hospitals and dales treated (add additional sheets if necessary). 11. (a) List the Insurance in force on the Proposed Insured. COMPANY AMOUNT YEAR ISSUED (b) Is the pobcy applied for intended to replace insurance carried in this or any other company? (If Yes, give particulars.) 0 Yes O No I understand that the policy issuance is based on all statements and answers indicated above and that they are comp!ete and true to the best of my knowledge and belief. I further understand that the policy is not effective until issued. Any policy issued under this application shall be owned by the Applicant. The Applicant (or Proposed Insured if not the Applicant) acknowledges receipt of the Notice with Regard to the Medical Information Bureau which notice has been left in the App!icant or Proposed tnsured's possession. I hereby authorize any licensed physician, medical practitioner, hospital, clinic or other organization, institution, or person that has any records or knowledge of me or my health, to give to National Benefit Life Insurance Company, or its reinsurers, any such infnrmation. This is a personal request from me and your cooperation will be appreciated. A photographic copy of this authorization shall be as valid as the original.

C Merit Smokers /Revised Application Pag e 7 19 _ Dated at this day of x x Signature of Proposed Insured Signature of Applicant t.ountersignature Licensed Resident Agent (where required) (if other than Proposed Insured) Fill in and'sign ONLY if charging premiums to MasterCard or Visa MasterCard Account No. ® Exp. Date Visa Account No.~ ®L-M ~] Exp. Date I understand that the premiums for the insurance applied for above will be paid monthly to the Insurance Company through my MasterCard or Visa account, as long as that account has not expired or is not over limit or delinquent. If I am approved for coverage under the Plan, the insurance I am applying for will effective on the date of issue of the policy. This authorization shall also apply for coverage on my spouse. Da te Cardholder's Signature () Check here if you would like the Check-o-Matic option. () Check here if you prefer to pay National Benefit directly. Premiums will be billed to you ever three months. You will receive a bill for the first premium payment with your policy. Mail your first premium within 10 days, will be in force on the date your first received. and your insurance premium payment is Would you like an application for your spouse? Check here and we'll send you an additional application for your spouse. ~, ~

Postage will be paid by addressee National Benefit Life Insurance Company Two Park Avenue ` New York, New York 10016 No Postage Necessary If Mailed in the United States NEW YORK, NEW YORK