Welcome!

1. Welcome! Agent Training Submitting New Business

2. Welcome to CBS The Process • CBS Receives Agent • Contracting Kit • Agent Receives Welcome Email With Link to Sign up to Submit Business On-line • Agent Goes to Link to Activate • Agent Receives Auto-email with TWO Personal Links to Submit Business On-line • Agent is Now Ready to Submit Business On-line! • Agent May Now Quickly and Easily Generate Quotes LINK1 – Agent Back Office: www.agentusername.virtualinsurance.net/admin LINK2 - Generate Quote/On-line App: www.agentusername.virtualinsurance.net 2

3. The Process Continued Sample Auto-Email sent to Agent www.agentusername.virtualinsurance.net/admin www.agentusername.virtualinsurance.net 3

4. Streamlined Process Submitting Business On-line • Log into provided agent specific link. • Select product client has chosen. • Follow steps to complete application with client present, sign & upload. • If client not present, Agent skips the signing portion & application is emailed to client. • Client receives email, signs app & returns to agent for agent to complete process. EXPEDITE PROCESSING!! Applications free of errors are processed quickly and accurately. Please review all information prior to submission. 4

5. Agent Login www.agentusername.virtualinsurance.net 5

6. Primary Insured Enter Info Required 6

7. Primary Insured Select Plan Sample of “Single” Shown 7

8. Primary Insured Select Plan Sample of “Spouse & Children” Shown 8

9. Primary Insured Review page thoroughly with client Review Plan & Apply SINGLE OPTION SHOWN FAMILY OPTION SHOWN 9

10. Begin Application On-line Application SS# is required to apply for product Accuracy now saves time later! MUST be a U.S. Citizen to apply 10

11. On-line Application If Family was added in quoted section, THIS BOX MUST BE SELECTED And ALL sections completed. 11

12. Medical Questions On-line Application • NOTE: • Explanations MUST be required for any questions answered with a “YES” • Explanation to include: Who / What Condition / Diagnosis Dates / Dr. Info • Questions 1-8 pertain to ALL persons on application (applicant - not family history questions) • Question regarding smoker/non-smoker MUST correspond to answer entered at beginning of application process • If YES to question #9: Who, What condition diagnosed & age must be explained. 12

13. Banking Info On-line Application NOTE: Bank draft option allows client to choose draft date / Credit Card option charges immediately. Select Bank Draft or Credit Card ONLY When Bank Draft is selected: “Payor” question MUST be answered. If Payor is NOT the insured, the Payor will be required to sign off on Bank Draft. If selected: Agent MUST enter in Agent’s Back Office 13

14. Understanding Critical Condition On-line Application System will prompt client to scroll through & read entire document before accepting at the end. 14

15. Obtaining Client Digital Signature On-line Application • Client Present: Select “Sign Now” • CLIENT MUST BE PRESENT IN PERSON OR VIA SCREEN SHARE TO SELECT THIS OPTION (once client signs, AGENT MUST go to back office to provide agent signature & upload) • Client NOT Present: Select “I do not wish to sign at this time” • Agent MUST then log into back office to send email to client: www.agentusername.virtualinsurance.net/admin Agent will then be required to sign & upload the completed app. Agent MUST then click to Finish Processing Application 15

16. “Sign Now Option” Chosen: Obtaining Client Signature while client present in person or via screen share On-line Application Primary’s Info Fraud Warning Disclosure Statement Confirm Doctor’s Info Confirm Bank Info Understanding Benefits Understanding Benefits Cont. Understanding Benefits Cont. Understanding Benefits Cont. Application Signature Sheet CI Policy Info Client will review & click “sign” on all 11 pages. Agent CANNOT sign on Client’s behalf. 16

17. Sample of Client Application Signed while present with Agent On-line Application Agent MUST click to go to back office to provide agent signature & upload app. 17

18. Agent Log-in: www.agentusername.virtualinsurance.net/admin Agent Back Office Select “List Policies” 18

19. Policies Agent Back Office Click on Client’s Name “C” Shows Client Signature Complete 19

20. Agent Back Office Click to complete 19.1

21. Agent Report Agent Back Office 20

22. Obtaining Agent Signature Agent Back Office 21

23. Obtaining Agent Signature Continued Agent Back Office 22

24. Obtaining Agent Signature Continued Agent Back Office MUST RETURN TO POLICY MANAGER TO UPLOAD APP 23

25. Obtaining Agent Signature Completed Agent Back Office “A” Shows Agent Signature Complete Click on Client’s Name to upload 24

26. Uploading Application Agent Back Office FINAL STEP REQUIRED 25

27. Uploading Application Agent Back Office 26

28. Policy Shows as “uploaded” Agent Back Office Status Codes: “C”: Client Signed “A”: Agent Signed “U”: Uploaded to CBL “$”: Client paid by credit card “P”: Payor Sign 27

29. If the proposed insured is NOT the premium PAYOR On-line Application Signature of PAYOR will be required – In Agent’s Back Office Payor is sent email with instructions to submit signature 28

30. When App is completed & option is chosen for: “I do not wish to sign at this time”: Agent MUST log into their back office to initiate obtaining client’s signature Agent Log-in: www.agentusername.virtualinsurance.net/admin Agent Back Office Select “List Policies” 29

31. Obtaining client’s signature for a completed app Agent Back Office CLICK ON CLIENT’S NAME 30

32. Obtaining Client Signature continued Agent Back Office 31

33. System Auto-sends Email to Client Agent Back Office SAMPLE EMAIL CLIENT SELECTS LINK 32

34. Client Signature On-line Application Primary’s Info Fraud Warning Disclosure Statement Confirm Doctor’s Info Confirm Bank Info Understanding Benefits Understanding Benefits Cont. Understanding Benefits Cont. Understanding Benefits Cont. Application Signature Sheet CI Policy Info Client will review & click “sign” on all 11 pages. 33

35. Agent Back Office Client Signature Complete Agent Notification automatically emailed to agent Agent MUST go to their back office in order to provide AGENT SIGNATURE and to upload app. as previously demonstrated. www.agentusername.virtualinsurance.net/admin 34

36. Thank You! You are now ready to begin submitting business on-line! CBS INSURANCE PO. BOX 50145 PHOENIX, ARIZONA 85076PHONE: 888-455-7462FAX: 480-706-4507 • AGENT Services • CLIENT Services 888-455-7462 L. JORDAN (LJ)DIRECTOR OF AGENT SERVICESLJ@CBSINSURANCE.NET LAURIE LUNSFORD OFFICE MANAGER LLUNSFORD@CBSINSURANCE.NET DEARBORN NATIONAL CUSTOMER SERVICE 800-367-7814 JAMES JORDAN, PRESIDENT JJORDAN@CBSINSURANCE.NET J.R. JORDAN, SENIOR VICE PRESIDENT JRJORDAN@CBSINSURANCE.NET • Marketing & Administration