The Futurity First Opportunity

1. The Futurity First Opportunity

2. Today’s Agenda Company Overview How We Help You Build Your Business Prospecting Marketing Support Products Services Compensation Taking the Next Step 2 800.298.2181 F U T U R I T Y F I R S T

3. Futurity CareerCompany Overview Since inception, we’ve grown to 23 branch locations and 240 agents Sales grew 53% in 2011 and 48% in 2012 Average agent income grew 68% over the same time period Unique organization National footprint with career company-like support, Multiple carrier model, Flexible contract options for agents, and Full support program for agency leaders 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 Redhawk Advisors JSA Marketing – health insurance 3 800.298.2181 F U T U R I T Y F I R S T

4. Futurity First Insurance GroupSales and Marketing Offices - Career Kirkland, WA Greater Seattle, WA Boise, ID Medford, OR Greater Wisconsin, WI Rocky Hill, CT Futurity Career Chicago, IL Fort Wayne, IN Salt Lake City, UT Indianapolis, IN Raleigh, NC Oklahoma City, OK Wilmington, NC Atlanta, GA Columbia, SC Greater Arizona, AZ Atlanta South Branch Macon, GA District Marketing Houston, TX Orlando, FL Port St. Lucie, FL San Antonio, TX Boca Raton, FL Ft. Lauderdale, FL 4 800.298.2181 F U T U R I T Y F I R S T

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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. 10 800.298.2181 F U T U R I T Y F I R S T

11. Market KnowledgePlanning Systems and Client Seminars 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 Position yourself with leads as an expert using proven, turnkey seminars and workshops that you can put to work immediately. 11 800.298.2181 F U T U R I T Y F I R S T

12. Market AccessCustomer Contact Programs Our multi-level e-marketing program provides proven, cost-effective ways to access prospects and grow your business. Consumer Site Prospecting FuturityFirst.com offers consumers quality content, planning articles and financial calculators. Drives prospects to you through office locator. 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. 12 800.298.2181 F U T U R I T Y F I R S T

13. Futurity First Client Strategies • Guiding clients down the path to financial well-being with simple, safe and effective planning designed to protect what matters most. • Designed to not only address, but anticipate life’s most important financial security concerns. • Offering a choice of top-qualify products from some of the leading insurance companies in industry. 13 800.298.2181 F U T U R I T Y F I R S T

14. Products40+ Carriers … and Growing 14 800.298.2181 F U T U R I T Y F I R S T

15. ServicesAgent Dashboard – Ease of Doing Business 15 800.298.2181 F U T U R I T Y F I R S T

16. 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 Compensation & Recognition 16 800.298.2181 F U T U R I T Y F I R S T

17. Sample Commission Rates Up to a 50% bonus commission on top of these rates! + 17 800.298.2181 F U T U R I T Y F I R S T

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 18 800.298.2181 F U T U R I T Y F I R S T

19. ING Term Smart 20 Street Compensation = 95% TOP GUN ($165K FYCs)CONFERENCE ($66K)QUALITY ($36K) 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 19 800.298.2181 F U T U R I T Y F I R S T

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 20 800.298.2181 F U T U R I T Y F I R S T

21. Strong Broker DealerProEquities Broker dealer for insurance oriented registered reps with best of both worlds: BD commissions paid via 1099 from ProEquities Insurance commissions paid via W2 from Futurity First Strong, full service broker-dealer and investment advisor - ProEquities.com Series 6 or Series 7 option 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 21 800.298.2181 F U T U R I T Y F I R S T

22. RecognitionAnnual Training Workshop Our annual conference will arm you with all the information you need to get back to the office and make more money! • Annual training and workshops • All agents invited to attend • Futurity will compensate travel and hotel expenses for agents who meet contract requirements 22 800.298.2181 F U T U R I T Y F I R S T

23. 23 800.298.2181 F U T U R I T Y F I R S T *Please note qualification periods may have ended.

24. The Futurity Difference 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 FeatureFuturity First Career IMO 24 800.298.2181 F U T U R I T Y F I R S T

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 Practice Models Agent Only Agent and Financial Planner Agent and Registered Representative 25 800.298.2181 F U T U R I T Y F I R S T

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 26 800.298.2181 F U T U R I T Y F I R S T

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: Jeff Grockowski, Head of Human Resources jeffgrockowski@ffig.com (860) 838-4832 Taking the Next Step 27 800.298.2181 F U T U R I T Y F I R S T