Advantage Life & Annuity Company, SPC (Advantage) was incorporated under Section XIV of the Companies Law (Revised) of the Cayman Islands as a Segregated Portfolio Company and was granted a license under the Insurance Law to carry on life insurance business and is regulated by the Cayman Islands Monetary Authority. Advantage offers unique financial instruments specially designed for high net worth individuals. The custom designed variable life and annuity policies issued by Advantage provide absolute security while offering sophisticated investors flexible investment opportunities on a tax deferred basis.

Utilizing the Segregated Portfolio provisions of the law, Advantage segregates each policyholders premium into a separate Segregated Portfolio set up under the policy to receive only the premiums of that policy. The premiums and accumulated earnings within the Segregated Portfolio are available to meet only the obligations of the Policy under which the Segregated Portfolio has been set up. The assets within the Segregated Portfolio are not available to meet policy claims against other cells or to meet the obligations of the core company to its general creditors. The assets of the Segregated Portfolio can only be used to pay death benefit or annuity payment under the policy itself.

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Advantage does not mass market its policies, but is prepared to make them available within Cayman Islands on
a case-by-case basis. All Advantage policies are individually structured to ensure the client obtains the best possible
benefits based upon the specific facts of his or her particular situation. Advantage only works through and with
the tax or estate planning counsel of prospective clients to develop and implement a life or annuity policy that is
appropriate for the client. The products and services described are not being offered for sale and will not be sold in the
United States of America (including the District of Columbia), its states, territories or possessions or to any person therein.