The Futurity First Opportunity July 12, 2012 Presented by: Mike Kalen, CEO

1. The Futurity First OpportunityJuly 12, 2012Presented by: Mike Kalen, CEO

2. Today’s Agenda • Company Overview • How We Help You Build Your Business • Prospecting • Marketing Support • Products • Services • Compensation • Taking the Next Step 2

3. Company Overview • Since inception, we’ve grown to 21 branch locations and 175 agents • Sales grew 48% in 2011 • Average agent income grew 62% in 2011 • Sales are up 71% through May 2012 • Unique organization • National footprint • Flexible service and support options designed to meet the needs of advisors • Focus on profitable market segments • Pre-retirement and retirement markets • Business owners and family protection • Annuities, Life, LTC, DI, health insurance and investments • Quality partners • ProEquities – broker dealer • JSA Marketing – health insurance • Professional development, objectivity and a producer-oriented culture 3

4. Futurity First Insurance GroupNationwide Offices Kirkland, WA Greater Seattle, WA Vancouver, WA Rocky Hill, CT Futurity Career Wausau, WI Boise, ID Medford, OR Greater Wisconsin, WI Greater Philadelphia, PA Chicago, IL Fort Wayne, IN Salt Lake City, UT Raleigh, NC Peoria, AZ Oklahoma City, OK Atlanta, GA Greater Arizona, AZ Macon, GA Orlando, FL San Antonio, TX Branch Port St. Lucie, FL District Ft. Lauderdale, FL 4

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10. Market AccessProspect Leads Our lead programs guarantee that Futurity First agents have prospects to see! • Direct Mail – Turnkey programs designed to get you in front of qualified prospects. • Seminars – Proven programs that position you as an expert. • Radio Leads – Celebrity-endorsed annuity lead. • Web Presence – Attract and manage prospects via internet. 10

11. Market KnowledgePlanning Systems and Client Seminars Position yourself with leads as an expert using proven, turnkey seminars and workshops that you can put to work immediately. Seminar systems • ABCs of Financial Planning • Rescuing Your Retirement • Retain Your Gains • Paycheck for Life Full toolkit • Invitations • Presentations • Videos • Best practices Co-funding available 11

12. Our multi-level e-marketing program provides proven, cost-effective ways to access prospects and grow your business. Consumer Site Prospecting FuturityFirst.com offers quality content, planning articles and financial calculators. Your Customized Web Page A customized web page adds credibility and provides a cost-effective way to offer value-added information to visitors. E-Marketing Follow-Up Program Regular email communications are sent to prospects, ensuring your name is top of mind. And all replies go right to your inbox. Market AccessCustomer Contact Programs 12

13. Market KnowledgeSelling System and Sales Process We’re dedicated to providing tools and programs that will help you uncover hidden opportunities and needs among your client base. • Futurity First Selling System • A market theme-driven, needs-based, solution-focused system designed to address the financial security and retirement concerns of: • Pre-retirees and retirees • Families • Business owners 13

14. Products40+ Carriers … and Growing 14

15. ServicesAgent Dashboard – Ease of Doing Business 15

16. Compensation & Recognition • Commissions • Highly competitive base commission rates • Annualized commissions available on many carriers and products • High broker-dealer payout • Aggregated Agent Production Bonus (APB) • Sales from all companies are aggregated to qualify for production bonuses • Up to 50% bonus on top of commissions • Retroactive to first dollar • Expense Reimbursement Account Plan • Reimburses business expenses with pre-tax dollars • Other Benefits • E&O paid by Futurity • No housing charges • Employee benefits • Strong vesting provisions 16

17. Up to a 50% bonus commission on top of these rates! Sample Commission Rates 17

18. American Equity Retirement Gold Street Compensation = 6% TOP GUNCONFERENCEQUALITY FFIG FYC = 4.00% FFIG FYC = 4.00% FFIG FYC = 4.00% APB (50%) = 2.00% APB (30%) = 1.20% APB (20%) = 0.80% FICA = 0.46% FICA = 0.40% FICA = 0.37% 401k = 0.18% 401k = 0.16% 401k = 0.14% Total*: 6.64% 5.76% 5.31% * Plus administrative support, conference and benefit eligibility 18

19. ING Term Smart 20 Street Compensation = 95% TOP GUNCONFERENCE QUALITY FFIG FYC = 66.50% FFIG FYC = 66.50% FFIG FYC = 66.50% APB (50%) = 33.25% APB (30%) = 19.95% APB (20%) = 13.30% FICA = 7.63% FICA = 6.61% FICA = 6.10% 401k = 2.98% 401k = 2.59% 401k = 2.39% Total*: 110.36% 95.65% 88.29% * Plus administrative support, conference and benefit eligibility 19

20. Value of Benefits and Housing Benefit Value (up to) Employer contributions to health, vision, life, dental & 401k $8,500 Housing – office, admin, phone, technology, etc $4,000* *Applies if you are housed in a branch location. E&O Coverage $1,500 Total Value per Year $14,000 20

21. Strong Broker Dealer: ProEquities Strong, full-service broker-dealer and investment advisor - ProEquities.com Series 6 or Series 7 option, and Series 63/65 Broker dealer for insurance-oriented registered reps with best of both worlds: BD commissions paid via 1099 from ProEquities All insurance products, including Index Annuities, are sold outside the broker dealer Competitive payouts: Insurance FYCsPayout (% of GDC) $0 - $59,999 70% $60,000 - $104,999 75% $105,000+ 80% Reasonable fees: approx $3,000 per year for E&O, registration and technology www.proequities.com 21

22. RecognitionSummer Sales Builder 2012 Our annual conference will arm you with all the information you need to get back to the office and make more money! • Futurity 2012 Sales Seminar • Annual training and workshops • All agents invited to attend • Futurity will compensate travel and hotel expenses for agents who meet contract requirements 22

23. Convention Opportunities 23

24. Lead Generation w/Marketing Allowance Wholesaling & Desk Sales Support Equity Ownership (Top Producers) W2 Contract Health and Pension Benefits 1099 Contract Product Choice Comprehensive Marketing Support Incentive Trips on Aggregated Business The Futurity Difference FeatureFuturity First Career IMO 24

25. Qualified Agent Candidates • 2+ years experience in marketing/selling insurance and/or retirement solutions • Knowledge of asset and income protection strategies • Interested in growing income by more than 20% and participating in professional development • Minimum $36,000 of proven FYC production • $85,000+ FYC qualifies agents for additional benefits 25

26. Summary • Growing organization • Top-rated products and services • Tools to help you grow your business • Top compensation and recognition program • Producer-oriented culture • Best of both worlds – independent and career 26

27. Meet with one of our regional managers, or talk with our recruiting director if there is no branch in your area.For more information, contact: Judi Sbona, Director, National Recruitingjudisbona@ffig.com (800) 298-2181 Taking the Next Step 27