Agent Fast Start Program

1. Agent Fast Start Program Product Introduction

2. Whole Life vs. Term Life Peak Earnings & Asset Accumulation Debt Reduction Children Grandchildren Marriage/ First Home Term Life College / Work Retirement & Wealth Transfer Whole Life Life Begins Life Ends

3. Open Survey and Complete Volunteers?

4. Liberty Product Recommendation

5. Play Laptop Presentation Final Expenses

6. Not All Products Available in All States. Check Product Availability Chart

7. Whole Life

8. Whole Life without Extra Benefits

9. Brochure Available for ages 0-80 Face amounts of $2,500, $5,000, $10,000, $15,000. For ages 60-80, $1,000 face amount available. Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Guaranteed Premiums Guaranteed Cash Value

10. Brochure Option to Purchase Additional Insurance Available Riders: Children’s Insurance, Primary Insured Term, Spouse Term

11. Whole Life with Extra Benefits

12. Brochure Available for ages 0-59 Face amounts of $2,500, $5,000, $10,000, $15,000 Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Guaranteed Premiums Guaranteed Cash Value

13. Brochure Option to Purchase Additional Insurance Automatically Included Benefits: Premium Waiver Accidental Death Two times face amount Auto Accident Three times face amount Travel Accident Five times the face amount

14. Brochure • Optional riders: • Children’s Insurance Rider • Primary Insured Term Rider • Spouse Term Rider

15. Whole Life

16. Brochure Available for ages 0-70 Face amounts of $20,000 and above Guaranteed Death Benefit The death benefit for a child less than 2 months old is 25% of policy face amount Level Premiums Guaranteed Cash Value Paid-Up Insurance Based on Cash Value

17. Brochure Options To Purchase include: Purchase additional insurance on the second and fourth policy anniversaries without proof of insurability. Available for ages 0-55. Additional riders include: Accidental Death, Premium Waiver, Children’s Insurance Rider

18. Term

19. All Individual Term Products Use Application A-250

20. ART, MDT and LPDT

21. Annual Renewable Term (ART)

22. Play Laptop Presentation Monthly Income

23. Brochure Available for ages 0 through 75 Minimum face amount is $20,000 Minimum rider amount is $15,000 Premiums are guaranteed for one year

24. Brochure Premiums cannot exceed the policy’s guaranteed maximum premiums Renewable to age 100 Lump Sum or monthly income benefits

25. Brochure • Convertible to a permanent plan without proof of insurability prior to the insured’s 80th birthday • Extra Benefits: • ADB • PW • Children’s Insurance Rider • Primary Insured or Spouse Term Rider

26. Proposal Illustration In NAIC states, the illustration will include a signature page. Customer signs page 3 if the illustration is exactly as applied for In NAIC states, if the illustration is different from what is applied for or no illustration is generated – Certification R-3408 must be submitted with the application

27. Proposal Illustration In NAIC states, if certification R-3408 is submitted with the application or the policy is issued different than applied for, the illustration will print with the policy. The Agent is required to deliver the policy and get the illustration signed. The signed illustration page must be returned to the Home Office within 45 days or commissions will be charged back.

28. Mortgage Decreasing Term (MDT)

29. Play Laptop Presentation Mortgage

30. Brochure An MDT policy is designed to provide coverage that decreases according to the number of years left on the mortgage and the mortgage interest rate The mortgage period may be between 10 and 35 years

31. Brochure The interest rate may be for 5% to 20% in increments of .25% Available only on Fixed-Rate Mortgages Same issue ages as ART – 0 through 75

32. Brochure Premiums are guaranteed for one year Convertible to age 80 Renewable to age 100

33. MDT FAQ Why would you buy an MDT instead of a 10RT? A: With an MDT they only pay for the amount of coverage they need to pay off the mortgage. With the 10RT they are paying for more coverage than is needed to pay off the mortgage.

34. Complete Sample Proposal & Review

35. Level Premium Decreasing Term (LPDT)

36. No Brochure Designed to decrease the face amount enough each year to keep the premium level

37. Complete Sample Proposal & Review

38. Rates A proposal illustration should always be used when presenting one of the term products. In NAIC states a proposal illustration is required. Rates per thousand along with an example of how to calculate rates are on the rate sheet.

39. Supplementary Benefits Brochure

40. Premium Waiver (PW)

41. If the primary insured is disabled between ages 5 and 60 premiums are waived as long as disability continues If the primary insured is disabled between ages 60 and 65 premiums are waived until age 65

42. If Premium Waiver is included on the base policy, then premium waiver must be included on any term rider(s) Although the PW premium is based on the age of the spouse, PW on a spouse rider covers the disability of the primary insured only, not the spouse

43. PW may be rated or declined Disability must last 6 months before PW benefits will begin Issue ages 0 through 59 Coverage ceases at age 65

44. Accidental Death Benefit (ADB)

45. An additional death benefit if the insured’s death results, directly and independently of all other causes, from an accidental bodily injury Maximum ADB is equal to the base plan face amount, subject to $150,000 maximum

46. $1.45 annual premium per thousand for ADB on term plans For Whole Life, Unique Life, and 5RT premiums, see rate pages Issue ages 1 – 59 ADB coverage ceases at age 65

47. Primary Insured/Spouse Term Rider

48. Only one term rider may be added if the base policy is a term plan The term rider may be an ART, LPDT, MDT, 10 RC, 20 RC, VL 10, VL 20 policy

49. Term riders are available in amounts of $15,000 and above There is no policy fee for the term rider

50. Children’s Insurance Rider