What Do We Do And Why Do We Do It?

1. What Do We Do And Why Do We Do It? • We focus on life insurance sales, not multiple insurance products • Our products are designed to financially take care of funeral and burial expenses eliminating the burden associated with death • Our clients are low to middle income, primarily blue collar workers and retirees who fall between the ages of 45-80 • Average funeral cost between $8,000 to &10,000 • Other expenses associated with death add up to thousands of dollars • IT IS OUR GOAL TO ALLOW EVERYONE THE OPPORTUNITY TO LEAVE THIS WORLD WITH DIGNITY

2. One Life Agent Incentive Program • Rookie Fast Start Cash Bonus Program • Sales Blazer Program • Leaders Club • Presidents Club • Founders Club • Christmas Cash Bonus Program • Push Week Cash Contests • One Life Incentive Trip We Will Have A Special Online Meeting To Announce All The Details and Start Dates Of These Incentives

3. One Life Rookie Fast Track Program • New Agents First 12 Weeks Program • $24,000 = Plaque and $150 Bonus • $30,000= Plaque and $250 Bonus • $36,000= Plaque and $350 Bonus • $42,000= Plaque and $500 Bonus • $48,000+ = Plaque and $650 Bonus • *Agent must Active and Producing At • The End Of His or Her First 12 Weeks New Agents who have a contract date of 7/1/2010 or later are included in the program and a report will be available weekly for posting

4. One Life Rookie Fast Track Program • ROOKIE FAST START AWARD WINNERS • $24845.04 SHERLOCK MCNAB – $150 BONUS • $39419.52 STEPHEN MCBRAYER - $350 BONUS • $33929.08 THOMAS HYNEMAN - $250 BONUS • $36196.32 JILL NEISON - $350 BONUS • $34886.28 JUSTIN MUCKLE - $250 BONUS • $26664.72 MILON JONES - $150 BONUS • $56047.77 JONATHAN SMITH - $650 BONUS • $24484.68 JENNIFER HAWKINS - $150 BONUS • $46299.51 PATRICK YELVERTON - $500 BONUS • $34371.12 JASON SMITH - $250 BONUS • $61,710.24 JOE FOX - $650 BONUS

6. 2014 ONE LIFE NATIONAL SALES CONVENTION

7. 2014 ONE LIFE NATIONAL SALES CONVENTION

8. Five Days/Four Nights in Punta Cana, • Dominican Republic • Round-trip airfare for 2 people • Transportation to Resort • Breakfast Daily for 2 • Welcome Reception • Gala Awards Dinner • Choice of One Hosted Activity

13. East – GA/SC South – FLA West – MS, AK, LA, AL TN , TX North – OH, IL

15. PRODUCTION UPDATEWeek ending August 9, 2013

16. PRODUCTION UPDATEWeek ending August 9, 2013

17. PRODUCTION UPDATEYear – to – Date

18. PRODUCTION UPDATEYear – to – Date

19. PRODUCTION UPDATEYear – to – Date

20. PRODUCTION UPDATEYear – to – Date

21. PRODUCTION UPDATEYear – to – Date

22. How to register for agenttrax.net • ONESOURCE AGENTTRAX SALES MANAGEMENT INSTRUCTIONS • CLICK ON agenttrax.net (enter site) • CLICK ON SALES MANAGEMENT TAB • IF THIS IS YOUR FIRST TIME IN AGENTTRAX SALES MANAGEMENT YOU WILL NEED TO CLICK ON THE TAB LABELED CLICK HERE TO REGISTER. • YOU MUST HAVE YOUR AGENT KEY (AKA – PARKER #) TO REGISTER • COMPLETE EACH BOX AND THEN CLICK SUBMIT • ONCE YOU CLICK SUBMIT YOU WILL BE EMAILED A LINK TO CREATE A PASSWORD. CREATE THE PASSWORD AND CONFIRM IT. • ONCE YOU CONFIRM YOUR PASSWORD IT WILL SEND YOU TO AGENTTRAX TO LOG IN. • CLICK ON SALES MANAGEMENT AGAIN AND ENTER YOUR EMAIL ADDRESS AND PASSWORD. • NEXT YOU WILL SEE A SCREEN WITH SEVERAL TABS ON THE LEFT HAND SIDE • AT THIS POINT YOU CAN CHECK YOUR AGENT DETAILS, LICENSE STATUS, SEE YOUR APPOINTMENTS, OR ENTER YOUR PRODUCTION.

23. New Lead System Agent Hub  Below you will find a link to One Life's eLearning Site with an added course listed as Agent Hub. The Agent Hub course must be completed in order for you to start selecting your leads on 5/3/13 through One Life's new lead management system. If you have not registered for eLearning then select Login in the top right corner of the page and select the create new account option. http://learning.onelifeamerica.com/ If you have any questions, please contact Adrian Woodard at awoodard@onelifeamerica.com

24. Introducing Agent Hub From your browser, type agents.onelifeamerica.com After completing the eLearning tutorial, click “New Agent” Type your Referral Code, given to you by your referring Agent. Fill out all the appropriate information, then click continue. Using your new credentials, login to the Agent Hub. Click on “Agent Services” and “Request Leads” *Note, you will only be able to get leads for the states you are licensed in. 7. From here, you can print, export or view your leads from this portal.

25. Sample Lead

26. Sample Lead

27. Sample Lead

28. Sample Lead

29. Lead Definitions • “A” Lead – New Lead That Has Not Been Worked • “B” Lead – Leads Distributed 31- 365 Days Ago Not • Sold • “C” Lead – Responders Outside 365 Days Not Sold

30. What qualifies for a credit

31. Lead Examples 30 leads X 100 PPL = $3000 Annualized Premium Example 1: 1 policy @ $250 monthly x 12 months = $3000 annualized premium = $100 PPL Example 2: 10 policies @ $25 monthly X 12 months = $3000 annualized premium = $100 PPL 40 LEADS x $100 PPL = $4,000 AP 50 LEADS x $100 PPL = $5000 AP

32. PPL Scale For Receiving Leads On The New Free Lead System

33. How PPL is calculated

34. How to turn in business • FAX in business daily when possible • Transmittals turn in Sunday at Midnight

35. Agent Services • We have recently established the Agent Services Department in the Meridian, Mississippi office. A primary role of Agent Services is to receive all life applications from the field agents and offices directly. Agent Services will review all applications, clean them up and obtain missing requirements before transmitting them daily to the life carriers. After getting the applications to the carriers, Agent Services will input the policy sales data into Agent Trax so that we can track the Premium Per Lead (PPL) for the field sales.This process is done to ensure completeness and obtain missing requirements so that the issue process is cleaner and the agent placement rate is better than could otherwise be expected. If anything is missing, Agent Services will contact the agent to obtain the requirements before submitting the applications. This will give the agent a chance to acquire the information prior to leaving the geographic location of the applicant. This part will only work if the applications are transmitted daily.Agent Services will transmit the applications to the carriers daily and will input all applications into the One Life America Agent Trax system for the purpose of measuring the Premium-Per-Lead (PPL). For this reason, we will need to set a weekly cut-off time for transmitting applications. Any application received after 10:00 AM CST on each Friday will not be included in that week's production reporting calculation. They will be included on the next week's PPL calculation.This deadline is necessary so that there is time to scrub the applications and input them into the system for calculating the PPL.A separate change is that we will no longer allow agents to input life sales into the Agent Trax system. Agent Services will take care of this. The contact information for Agent Services is:Toll free fax number: 866-357-9442Toll free phone number: 888-895-5229 option 4Email Address: AgentServices@onelifeamerica.comWe appreciate everyone's efforts and are implementing these steps as a benefit to all. Cleaner business means a higher placement rate. Accurate calculation of the PPL will allow us to monitor the productivity to continue providing free leads to our career agents.

36. Commissions • Each company pays agent directly through a direct deposit • Agent must go and set up access on each site to check all business and commissions with each company they write business • Can check everything about every policy • Foresters now paying daily • http://www.foresters.biz/ • http://libertybankerslife.com/ • http://settlerslife.com/ • http://www.agentcafe.com

37. Commissions and Renewals

38. Supply Orders • Marketing Materials (Final wishes books, pitch sheets, RX cards, door hangers, yellow delivery notices)email anagel@onelifeamerica.com • Americo, Foresters, Kemper, Liberty Bankers, Settlers Life • - Log into company website (listed on important numbers sheet) and follow step to order supplies

39. Door Hangers

40. One Life Rx Prescription Drug Discount Card Prescription Drug Card

42. One Life Quote Sheets

43. One Life Quote Sheets

44. Help Desk • Onelifeamerica.com • Email helpdesk@onelifeamerica.com • Call IT Support at 866-940-7624

45. Important Phone Numbers

46. Foresters • Great rates • Simple Application and Process • Phone interview with immediate decision on issue • Best Agent Services – get immediate email with certificate number • Get immediate email if there is a problem like a draft doesn’t go through • Get copy of certificate of issue in mail that policy has been sent to policy holder. • Foresters Apptical Number 866-844-9276 • Must turn in application whether client proceeds or not • Set as favorites on cell and always use speaker phone • Contest for 2013

47. AMERICO • No Phone Interview • Smoker Rate is cheaper • Tobacco is for cigarette only • Example – cigar or pipe • Smokeless Tobacco is non tobacco rate • Ultra Protector III • No questions • 50-75 (true guaranteed issue)

48. SETTLER’S LIFE • Ages 0-85 • Direct Bill • Child Rider • Silver – Health History only goes back 2 years • Bronze – Only 2 questions – Guarantee Issue • Smokeless is Non Tobacco Rate

49. LIBERTY BANKERS LIFE • No Phone Interview • Direct Express • Under 50 (18-49) • Grandchild Rider/Child Rider • Client does not have to be present

50. KEMPER