Senior Benefits Services LLC

1. Senior Benefits Services LLC 2012

2. Are you considering a career in the insurance field ? • Are you considering getting into the senior market • We deal with the health and life lines of business • Primarily in the senior market • This power point is designed to answer your questions about what we do, and how we do it? Senior Benefits Services LLC

3. Imagine getting paid this week a % for the work you have done for the last 5 yrs. in addition to this weeks pay • This is residual income • Example 1 Medicare supplement $200 per month premium 15% = $30 per month and last year $30 year before $30 etc.… • Total of $30 for this month and residual for 5 yrs. $150 grand total $180 per month and this is on 1 med sup app. • And if your 1 turns into 100 for the year you should now understand the power of residual income Why this? There is a need for agents It builds residual income

4. 10,000 • Baby Boomers Per Day ageing in !!! • Not counting the seniors who are 65 and over now Why now?

5. Access to appointments and or leads • A chance to start YOUR OWN AGENCY • The power of volume • With many products and competitive companies to work with • The company you keep will make you better or bring you down Why here?

6. Built on doing the right thing for the Client, Insurance Company , and the Agent !!! • NOT looking for everyone just those who are like us Honest and Likeable • Senior Benefits Services is Built on Services • Senior Benefits Services is a Client first company • We look for benefits before compensation SENIOR BENEFITS SERVICES

7. Our mission statement • We are here to help and assist the seniors in navigating the Medicare maze and assist them with the federal and state programs that are available as well as helping them in understanding their insurance needs and assist in proper placement into products that mitigate their risk. SENIOR BENEFITS SERVICES LLc

8. Medicare Supplement • Medicare Advantage • Wrap Around plans (HIP) • Cancer • Long Term Care / Short term Care • Life • Major Medical / Group Medical • Dental / Hearing /Vision • Annuity • Disability Income • With a variety of companies We offer a wide variety of Products

9. SENIOR BENEFITS SERVICES LLC LONG TERM CARE MUTUAL OF OMAHA GENWORTH FINANCIAL SHORT TERM CARE EQUITABLE G.T.L AMERICAN CONTINENTAL MEDICARE SUPPLEMENT EQUITABLE HEARTLAND NATIONAL AMERICAN CONTINENTIAL OLD SURETY MUTUAL OF OMAHA MEDICO SENTINEL STERLING LIFE HUMANA WASHINGTON NATIONAL AARP ANNUITIES BANKERS LIFE AMERICIAN NATIONAL AVIVA AMERICIAN GENERAL EQUITRUST GENWORTH FINANCIAL GREAT AMERICIAN LINCOLN FINANCIAL GROUP LIBERTY BANKERS LIFE MUTAL OF OMAHA ATHENE AGLA SAGICOR NORTH AMERICIAN COMPANY PHOENIX HOSPITAL INDEMITY G.T.L. AMERICAN CONTINENTIAL HEATLAND NATIONAL EQUITABLE WASHINGTON NATIONAL MEDICO MEDICARE ADVANTAGE UNITED HEALTH CARE COVENTRY CIP HUMANA CANCER G.T.L. AMERICAN CONTINENTIAL HEARTLAND NATIONAL EQUITABLE MUTUAL OF OMAHA MEDICO WASHINGTON NATIONAL MAJOR MEDICAL BLUE CROSS BLUE SHIELD COVENTRY ONE UNITED HEALTH CARE HYBRID LIFE –LTC LINCOLN FINANICAL GENWORTH WHOLE LIFE GENWORTH (AETNA) WESTERN CATHOLIC UNION EQUITABLE SENTINEL LIFE MONUMENTAL BALTAMORE LIFE DVH MEDICO

10. SENIOR BENEFITS SERVICES LLC UNIVERSAL LIFE NORTH AMERICIAN LIFE GENWORTH FINICIAL PRUDENTIAL TERM LIFE BANNER LIFE ASSURITY LIFE FIDELITY LIFE TRANSAMERICIA LIFE AMERICIAN GENERAL NON MED TERM ASSURITY LIFE FIDELITY LIFE MUTAL OF OMAHA TRANSAMERICIA FAMILY MARKETS SINGLE PREMIUM ASSURITY LIFE NORTH AMERICAN LIFE LEGACY

11. Missouri RX • Medicare Savings Program • Social Security Extra Help • VA • Medicaid WE work with federal and State programsto assist seniors

12. Power of the “I” group to give our agency credibility • Power of Numbers both agents and Production volume • We are starting some of our contracts at FMO level others at MGA level on our own we might get GA level or Street Level depending on the level of production we could demonstrate • Training and kits The Opportunity

13. We are growing we will be hiring agents that fit our service first mold from now on • We will be placing our permanent footprint into 5 states currently • With opportunity for highly motivated people to end up in management of their own down line • Every one in management and owners have and are agents and will always be SENIOR BENEFITS SERVICES

14. 1. No drinking on the job • 2. Be prompt • 3. Carry yourself well , dress well ,act well • 4. Return phone calls • (from clients ,office , underwriters , and managers) • 5. Lying is not acceptable Code of Conduct

15. Agency Level Agent • Agent has active down line • Partner Agent Program • Paid at Street Level Senior Benefits Services LLC

16. .

17. Paid Street Level Commission • Bonus Pool • Sales kit and updates • Support and Training • Access to prospecting tools • Discount rates on leads • Access to appointment setting services Partner Agent

18. Production reports must be turned in weekly (this allows us to help track Bonus pool) • Direct from companies no middle man • Advancing will be from Companies and varies from 9months to 12 depending on company • Bonus Pool will be paid out semi annually How you get paid

19. Bonuses and incentives are put out their from Insurance Companies as well as Senior Benefits Services will put bonuses and incentives at least semi annually Bonus Pool

20. This is only a sample you set your schedule Day in the life of an Agent

21. In order to be successful you must get in front of the people you are trying to help • Some people will expand their lines of business and keep their same lead sources • Some will need to establish a lead source • We can help in either case Prospecting

22. LEADS, APPOINTMENTS, ETC What to do How to do it What to expect

23. APPOINTMENTS • TURNING 65 LIST / PACKETS • PAPER LEAD CARDS • INTERNET LEADS PROSPECTINGoptions

24. LEADS *You can order leads by yourself. Patty can also help you order them. It is cheaper if we order them in a group. We use KRAMER DIRECT if you tell them you work with Senior Benefits services it will cost $450 for a 1,000 paper leads dropped *When ordering leads from this company, they like using COUNTIES not ZIP CODES. YOU WILL BE THE ONE TO PICK THE AREA YOU WANT YOUR LEADS IN AND HOW MANY YOU ORDER YOU CAN ALSO PICK INCOME,AGE,TYPE OF RESIDENCE,SEX,LIST OR MAIL CARDS AND MORE!!! KRAMER DIRECT INFORMATION PHONE NUMBER: 888-572-6373 OLGA BROWN- SHE IS GREAT AT HELPING OUT

25. ( T65turning 65) You pick when you want them to turn 65 • These leads you can usually get 1,000 for $100. • You get a rate of about 20% when setting appointments of actual people you get to see. This is a very decent amount for the price. • Lead Drop (mailers) For this type of lead Kramer Direct sends out 1,000 lead cards for $500 unless you have multiple orders. You get a return rate of about 2-5% return depending on what time of year it is. What to expect

26. Using turning 65 list cost approximately $85per thousand • TURNING 65 Call script and lead makes this the best result you can get a young client with all needs and no agent at the cheapest cost per appointment • Select your area and know it well • There will be more no shows in this type of lead Prospecting 65 list

27. Hi Mr. Smith, William Smith I’m Daniel Johns with Senior Benefits Services and our records show your turning 65 in April and I’m calling to bring by your welcome to Medicare Packet ,this is to make sure you can avoid any penalty and ensure you receive all the benefits you are entitled too , and answer any questions you may have . Will you be home around 2 o'clock Monday afternoon for him to drop that by to you. Call Script for turning 65 list

28. If you choose to have someone else set the appointment and you just work them this can be a great time management tool • $10 FOR EACH MAILER SET you provide the mail response piece • Total package is $500 per week this will get you 12 appointments Tuesday ,Wednesday, and Thursday 4 per day we will take care of placing lead order and insuring you don’t run out all you have to do is see the people. APPOINTMENT SETTING SERVICES

29. MOST of the time when you get a T65 APPT. set they really want you there and it will be a good appointment. • They are usually interested in MED SUPP/ADV, with DVH, life, part d plans, and cancer plans. They usually have a spouse and friends for good referrals. • These end up usually being good appointments. • You WILL have no shows, everyone has them. These people are still young and have busy lives. T65 WITH APPOINTMENTS

30. The most consistent of all lead sources • These people are curious because they have sent something in. • They range in ages, sometimes they are turning 65 as well though. • Less chances of no shows on the older people because they usually sit at home.  • IF setting your OWN appointments these will be A LOT easier! MAILERS WITH APPOINTMENTS

31. Need Appointments? Appointment Setting Services, will need to know 3 weeks ahead of time and you will need to commit to 4 weeks at minimum (this allows us time to order and receive your leads , and time to use the leads we receive)

32. It is as important to have the right tools as the right message • We will provide you with all the tools and training to use them • We also provide updates to your kits • Training are posted on our web site weekly The Kits& Training