Final Expense Carrier Training Sales Congress Foresters Financial

Final Expense Carrier Training Sales Congress

Foresters Financial Plan. Right Final Expense

Foresters | We believe in making a difference • Foresters is driven to share, not shareholder driven! • Fraternal benefit society • • • Not-for-profit membership organization Welcomes members sharing common bond or purpose Local community branches Provides mutual aid programs to our members and their communities Membership begins with purchasing one of our The Independent Order of Foresters products and receiving a certificate

Foresters | Technology @ Your Fingertips • Manage your business 24/7 • Mobile technology • • Available on Apple Store & Android app store View inforce & pending business View producer production View client info • Make a direct call • Send an e-mail • Built-in Google maps function

Foresters | Technology @ Your Fingertips • Mobile quoting tool – Forestersquotes. com • Ability to quote • Your Term • Smart UL • Advantage Plus • Plan. Right • Prepared Accidental Death • Underwriting guides • Need analysis tools • Mortgage protection • Lifestyle protection • Cash flow • Final expense

Foresters | Support is just a call away • Foresters Financial Sales Support Team • Single point of contact • Assistance with: • Illustration software • Product training • Website navigation • Assist with sale solutions • Ordering materials • Phone: 866 -466 -7166, option 1 • Hours: Monday-Friday 8: 30 am-7 pm ET

Foresters | Plan. Right • Quick Application Process – Foresters Financial. TM relies on applicants’ answers to health & lifestyle questions and a personal health interview (PHI) No: Medical exam, blood profiles, or HOS Yes: MIB, Prescription history, PHI, and Build chart • Quick Underwriting – Producers will know medical eligibility prior to leaving client’s home • Quick Issue - Quick Pay in your pocket • Face amounts - from $2, 000 to $35, 000 • Underwriting • Non-Tobacco or Tobacco only • Sub-standard ratings are not available. Once issued no changes in underwriting class allowed

Foresters | Plan. Right Death Benefit determined by answers on application 1. Level Death Benefit • Based on 100% of the Face Amount* 2. Graded Death Benefit Based on greater of: • Year 1: 30% of face amount; or ROP + 4. 5% interest • Year 2: 70% of face amount; or ROP + 4. 5% interest • Year 3: 100%* 3. Modified Death Benefit • Based on ROP+10% in years 1 and 2 • 100% of the face amount from year 3+* *Applicable amount plus unearned premium minus certificate debt such as loans. Issue Ages (ALB) Face Amounts 50 – 80 yrs $2, 000 - $35, 000 81 – 85 yrs $2, 000 - $15, 000 Issue Ages (ALB) Face Amounts 50 – 80 yrs $2, 000 - $20, 000 81 – 85 yrs $2, 000 - $10, 000 Issue Ages (ALB) Face Amounts 50 – 80 yrs $2, 000 - $15, 000 81 – 85 yrs Not Available

Foresters | Plan. Right

Foresters | Plan. Right

Foresters | Plan. Right | Real-Time Underwriting • Supported by Apptical • Phone: 866 -844 -9276 • Hours: • M-F 8: 30 am to 2: 00 am ET • S & S 10 am to 10 pm ET • Focus on the sale not the underwriting process • Know the client’s medical eligibility before leaving the client’s home • Apptical Mobile App • Call Me Now • IDLegit

Foresters | Plan. Right Premiums • Payable to age 121 1035 exchange not allowed Premium Modes & Minimums Certificate Fees Premium Mode Minimum Premium Modal Factors $10 . 0875 Quarterly $30 . 26 Semi-Annual $50 . 51 Annual $100 1. 00 Monthly PAC • $36 annually (commissionable) Benefit period • Endowment at age 121 Cash value • Guaranteed and vary based on gender and tobacco status • Available upon full surrender only

Foresters | Plan. Right • Important dates in application process • Stale-dated application • Application must be received in home office within 10 days of when the application was signed • This includes applications that were declined • If not received, producers ability to sell Plan. Right in the future will be affected • Application date • Must be dated using the same date application was completed and signed by proposed insured and the same date the personal health interview was completed

Foresters | Plan. Right | Riders Available • Value added riders: • (automatically included for no additional premium) • Common Carrier Accidental Death Rider • Optional riders: • Accidental Death Rider (available only on Plan. Right level DB)

Settlers Life Silver Plan

Settlers Life | Silver Plan • Immediate benefit whole life • Level premium, regardless of age • For clients who have experienced good health for the past 2 years • 11 health questions

Settlers Life | Silver Plan Maximum Face Amount • 6 months – 65 years: $25, 000 • 66 years – 75 years: $20, 000 • 76 years – 85 years: $15, 000 Minimum Face Amount: $1, 000

Settlers Life | Silver Plan | Pay Options • Single pay • Lifetime pay • Twenty year pay • Ten year pay

Settlers Life | How to complete your first Express. App… STEP 1 Once your client has agreed to purchase a Settlers Life policy, pull out the appropriate Express. App packet for the state in which you'll be writing the app. STEP 2 Review the Health Questions (inside the Express. App packet) with your client to determine which Settlers Life plan he/she qualifies for and complete the Express. App worksheet if you choose. This will help walk you and your client through the Express. App interview. NOTE, if you do not have an SSN for your client, you must complete a paper application.

Settlers Life | How to complete your first Express. App… STEP 3 Call 1 -800 -358 -6337, option 2 for the Express. App interview. Remember to have your writing number ready! At the end of the call, the interviewer will tell you: • The plan your client was approved for • The policy number • Any supplemental forms you need to submit via fax

Settlers Life | How to complete your first Express. App… STEP 4 Note the policy number and any required forms on the back of your Express. App worksheet for your reference. Complete and have your client sign any required forms and leave the policy disclosures and product summary (found in your Express. App packet) with your client. STEP 5 Spend less time working and more time doing what you love!

Settlers Life How to complete your first Express. App

Settlers Life Express. App FAQs Can Grandparents complete an Express. App? • Minor grand-children are acceptable. Can you do remote sales? • No, you are required to meet face-to-face and all signing parties must be present to complete an Express. App. • If any signing party is absent, a paper application must be submitted. • We are unable to skip ahead during an Express. App to obtain voice signatures. Do I have to send a voided check? • If a PAC – Draft 1 st premium – PAC information is gathered on the call. • If premium is collected (direct bill or PAC – collect 1 st premium) initial premium must be sent to Settlers Life via fax (using the authorization on the Fax Cover Sheet) or mail. • Please include the policy number on the premium sent in. Do I have to use an Express. App? • No, but you should try. The policy will be issued more quickly resulting in you getting paid faster.

Settlers Life Express. App FAQs When would I NOT use an Express. App? • POA/Guardianship/Custodianship relationship exists for a client who is of legal age of majority and the client cannot complete his/her own interview. Can a husband wife’s application be done simultaneously? • While both can be completed with one phone call, Express. App is not currently built to allow two applications simultaneously. Each application requires a separate interview in order to clearly capture information, make the decision, and collect voice signatures. Can I use Express. App for companion applications? • While this can be completed with one phone call, currently the entire Express. App must be completed for each companion application. Will I get referred to underwriting? • Most of the time, no. • Due to the sensitive nature of AIDS/HIV, these cases will be automatically referred and cannot be discussed during the call. • If we receive an MIB hit and the client denies it, we refer to Underwriting. Do I have to have the Express. App Packet when I meet with my client? • Yes. The Express. App packet includes necessary disclosures which must be left with your client.

Settlers Life Express. App FAQs Can I do Express. App on Bronze? • Yes! Since this is a tiered application process based on the answers to health questions, Gold, Silver, and Bronze (Bronze II in NC) Plans may use Express. App. Are paper applications being updated? • No Is the application on-line? • No, everything is done over the phone.

United Life Graded Benefit Whole Life

United Life • Established in 1962, based in Cedar Rapids, Iowa • Solid A. M. Best Company rating; A- (excellent) • Financial strength & stability. No debt! • Exciting changes April 1 st; • Changing from a subsidiary of United Fire Group (NASDAQ: UFCS) • To operate independently as a subsidiary under private company Kuvare US Holdings, Inc.

United Life | Graded Benefit Whole Life • When worried about insurability or med testing… • Guaranteed ultimate death benefit; $5 k - $50 k • Issue ages 18 through 90 • Rate based only on age & gender • Guaranteed level on-going premium (no increases) • Cash value accumulation • Automatic Premium Loan

United Life | Application & Approval Process Three knock-out questions, so you know immediately whether the applicant will qualify for coverage, or not; ANY ‘Yes’ answer = decline ALL ‘No’ answers = approval Questions to follow…

United Life | Knock-Out Question #1 Within the last five years, have you been advised by a member of the medical profession to have surgery requiring general anesthesia or diagnostic tests, except those tests related to HIV (AIDS virus), which were not completed?

United Life | Knock-Out Question #2 Are you currently hospitalized, confined to a nursing home, receiving hospice care, institutionalized, waiting for an organ transplant or, within the last 12 months, received kidney dialysis?

United Life | Knock-Out Question #3 Have you been diagnosed as having a terminal medical condition that is expected to result in death within the next 12 months?

United Life | How GBWL Benefits are Paid * Note: Coverage is contestable during first two policy years. *Scenario when a commission charge-back takes place.

United Life | Support Materials Available LIP-953 large brochure LIP-966 Rate Sheet

United Life | Best-in-Class Service Call 800 -637 -6318 and speak directly with their; • Underwriters • Marketing & Customer Service reps • Claims examiners

Gerber Life Guaranteed Issued Whole Life

Gerber Life | Product Overview Issue Ages: 50 – 80 Face Amounts: $5, 000 - $25, 000 Payment Options • ACH – discounted up to 8% • Credit Card • Direct Express One-page application Guaranteed Approval

Gerber Life | Product Overview Two Year Graded Death Benefit • If death occurs within the first two policy years for any reason other than an accident, all premiums shall be paid to the beneficiary, plus 10% interest on earned premiums. • Earned premiums refers to the portion of the paid premium that has been applied to the policy. Chargeback • First year – 100% • Second year – 50%

Gerber Life How to calculate a premium

Gerber Life | New Business 1 st application submission process • Agent submits 1 st application to Capmar Submission of On-Going New Business Application An appointed agent can login and submit business via the following ways: • Gerber portal • Fax NEW BUSINESS APPLICATION(s) and applicable Forms with Fax cover sheet to: Fax 231 -928 -3078 Gerber Life Insurance Company Attention: New Business Supervisor 445 State Street Fremont, MI 49412

Gerber Life | New Business Supplies: Supplies are down loaded via the Gerber Agent portal Commissions: Agency/Agent will be compensated per the terms of the contract Commissions will be paid two times per month Commission statements will be emailed twice a month $25. 00 is the minimum amount for generating a commission payment.

Gerber Life New Business

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