There are a number of insurance companies which specialize in offshore insurance products. L&A feels it has a unique advantage, as many of these companies are domiciled in Bermuda. These companies are very selective when contracting General Agents and L&A has worked diligently to secure and maintain distribution agreements with these companies.

L&A has distribution agreements with a number of Universal Life and Private Placement Variable Universal Life companies. These include the companies listed below as well as a number of other insurance providers who issue similar or niche products.

Manulife Financial

Manulife Financial is a leading Canadian-based financial services group serving millions of customers in 19 countries and territories worldwide, The Company offers clients a diverse range of financial protection products and wealth management services through its extensive network of employees, agents and distribution partners.

The Manufacturers Life Insurance Company sold its first policy outside of Canada in Bermuda in 1893 with operations subsequently expanded to Asia, including China and Hong Kong in 1897. Its diverse international operations allow Manulife Financial to leverage its people, products, technology and expertise quickly and effectively to new markets.

For more information on Manulife Financial including the latest company credit ratings and financial information please go to www.manulife.com.

Sun Life Assurance Company of Canada

The Sun Life Financial group of companies is among the leading providers of insurance and financial services in the world, and is deeply committed to providing positive long-term results for their clients. Sun Life Financial traces its history back to 1865 and has a long history of providing a diverse range of protection and wealth accumulation products and services to individuals and corporations.

Sun Life Financial International provides offshore financial solutions specifically designed to meet the objectives and concerns of high net worth individuals residing outside of the United States, Canada or Bermuda. Safeguarding assets and transferring wealth are of the utmost importance to high-net worth individuals and families.

Whether business owners, company executives, or the beneficiaries of inherited wealth, achieving these goals requires:

• Protecting assets and pursuing growth opportunities
• Holding assets in relatively stable political and economic environments
• Having control over transfer of wealth to heirs of choice
• Maximizing personal safety through confidentiality of assets

For more information on Sun Life Financial International and the Sun Life Financial group of companies, including the latest company credit ratings and financial information, please go to www.sunlife.bm.