THE RIGHT PRODUCT FOR TODAY’S NEEDS! THE RIGHT PRODUCT FOR THE FUTURE!

1. CRITICAL ILLNESS INSURANCE THE RIGHT PRODUCT FOR TODAY’S NEEDS!THE RIGHT PRODUCT FOR THE FUTURE!

2. CBL Financial Strength • CBL holds an A (Excellent) Rating by A.M. Best. • PFC/CBL is a LIFE AND FINANCIAL SERVICE subsidiary of Health Care Service Corporation (HCSC). • HCSC is a mutual legal reserve company that conducts business as Blue Cross Blue Shield of Illinois, Texas, Oklahoma and New Mexico.

3. CBS Insurance“We Work For You” • Jim Jordan Sr. CLU Jim Jordan Jr. J. R. Jordan • P. O. Box 50145 Phoenix, AZ 85076 1-888-455-7462 www.cbsinsurance.net

4. LifeStyle Protector • 10 Year Renewable & Convertible Term Life Insurance Policy • Critical Condition Rider 100% Pay Out for Life Threatening Cancer, Heart Attack, Stroke, Renal Failure, Major Organ Transplant or Terminal Illness

5. A $100,000 LIFESTYLE PROTECTOR POLICY • $100,000 Check paid out for……. • Heart Attack • Life Threatening Cancer • Stroke • Major Organ Transplant • Terminal Illness • Renal Failure • Death from any cause (Except suicide during the first two years, Missouri 3 years, North Dakota & Colorado 1 year.) The Policy terminates after a full benefit is paid out. The benefits differ and may not be available in GA, PA, SC, MD, OR, DC, & FL.

6. A $100,000 LIFESTYLE PROTECTOR POLICY • $100,000 Check paid out for……. • Total Disability • • We will pay an annual Benefit for Total Disability. The Annual Benefit if 10% of the • current Death Benefit of the Policy as of the date the first payment is made for this benefit. • We will pay the Annual Benefit for five years, followed a year later by a final payment equal • to the remaining Death Benefit of the Policy at that time. All payments after the first payment • are payable on the anniversaries of the Eligibility Date. Payments will only be made if the • Insured continues to qualify under the Total Disability Coverage Condition. To be eligible for • this benefit the insured must be deemed continuously disabled for 12 months from performing • the material and substantial duties of his regular occupation. After the first 12 months of a • disability, the Insured is considered totally disabled if he is unable to perform any work or • occupation for which he is reasonably qualified or trained. • $25,000 Check paid out for……. • Major Heart Surgery • $10,000 Check paid out for……. • Angioplasty • Some Exclusions and Exceptions apply, Benefits may differ or not be available in some states, your Agent will explain the benefits available in your state. • Partial Benefits paid out are deducted from the policy face amount. The Policy may continue in force at the adjusted Face Amount and reduced insurance premium.

7. LifeStyle Protector • Home Health Care • Cost of Care Givers • Lost Income Self/Spouse • Daily Living Expenses • Co-Pays & Deductibles • Experimental Treatments • Housekeeping or Child Care Expenses • Maintenance of Your Family’s Quality of Life

8. LifeStyle Protector Market Niches • Membership Add on • Mortgage Protection • Buy Sell • Health Insurance • Singles • Payroll

9. LifeStyle Protector Market Niches • Existing Clients • Disability Supplement • Family Protection • Housewives • Self-Employed • College Funding

10. BANKRUPTCIES DUE TO CRITICAL ILLNESS1 • 50.35% of personal bankruptcies were caused by illness or medical debts • 2 million Americans are estimated to have medical caused bankruptcies each year • 68% of debtors that had medical bankruptcies also had health insurance at the time of filing • $13,460 was the average out-of-pocket medical expenses covering co-pays, deductibles and uncovered health services for bankruptcy filers

11. LifeStyle Protector/CBL Highlights • Over 90% Issue Rate • 1 Page Simplified Issue Application • 9 Month Advance, Advances Paid Daily • Issue Time of 1-3 Business Days • Continuous Credit Card Payments w/ Online Apps • LifeStyle Protector is guaranteed renewable to age 70 with renewal rates guaranteed at issue.

12. LIFESTYLE PROTECTORWaiting Period & Death Benefit Coverage • Immediate Death Benefit Coverage* • Other eligible conditions must be first diagnosed at least 30 Days (60 days for Cancer) after the policy effective date shown on the policy specification page • * If CBL approves the application and the first premium is paid, or the payroll deduction is authorized, term life insurance coverage (death benefits only) will begin as of the date the application is signed. * Waiting periods may vary by state.

14. How To Get Started Online • Complete your Licensing Packet • Sign up for your website at: www.ghealth.virtualinsurance.net/signup

15. LSP Online - Sign Up Screen

16. LSP Online Quote Results

17. Fillable Application Form

18. Electronic Mouse Signature

19. SOURCE 1.Harvard University Study, David U. Himmelstein, M.D., Elizabeth Warren, J.D., Deborah Thorne, Ph.D., Steffie Woolhandler, M.D., M.P.H.

20. LifeStyle Protector …Because A Check is Better Than A Get Well Card