Providing Peace of Mind… Final Expense Life Insurance Protection • Quick, simple process • Trustworthy plans and services Final Expense Team

The Companies Behind Your Plan… • The life insurance companies we offer you are authorized by this state. • We represent among the largest Final Expense (Easy Issue) companies in the nation. • These companies provide Final Expense Programs for thousands of policy holders. • Providing AFFORDABLE Final Expense cash benefits for your loved ones when they need it the most. “Help at That Time of Need”

The Urgency For Planning… Since death is one thing we cannot Predict, Prevent, Evade or Avoid, You need to be prepared! THE SOLUTION: We recommend you do two things to be prepared… 1. Plan in advance 2. Fund in advance We can help you apply for a Whole Life Insurance Policy which pays CASH to your beneficiary for funeral, burial and final expenses. Insurance purchased years ago may not cover current and future funeral, burial and Final Expense needs. IT SHOULD BE DONE TODAY!

Advantages of Our Final Expense Plans • Ages 0 – 85 may enroll. • Up to $35,000 of Whole life Protection. • Premiums never increase! • Benefits never decrease! • Benefits can never be canceled due to a change in age or health! • Payment plans designed specifically to fit anyone’s budget, even those on a fixed income! • NO MEDICAL EXAM REQUIRED! Just answer the health questions. Live for today...

Advantages of Our Final Expense Plans • The policy will become effective when issued and paid.* • Claims processed promptly! • Builds a cash & loan value! • Your plan is not limited to one funeral home! • You can apply for protection on other family members! *Not every applicant will receive full benefits at time of issue. Certain health conditions may require a limited benefit during the first two to three years. Plan for tomorrow.

The average funeral today is over $7,500! Why Plan? The average funeral today is over $7,500! This amount does not include cemetery property and grave marker, making the total cost $10,000 or more. When we die, our grieving family members are faced with dozens of decisions about our funeral, all of which must be made quickly and often under great emotional stress. Without a plan, family members tend to overspend by hundreds… even thousands of dollars! Two things are inevitable when we die. 1. Someone Has to Plan For it! 2. Someone Has to Pay For it!

Losing a loved one... can mean more than an emotional burden... it can also create a financial burden. Have peace of mind knowing your final expenses are not left as a burden to your loved ones. Fact: “Funerals rank among the most expensive purchase many consumers will ever make. Many funerals run well over $10,000.” 1 Federal Trade Commission In addition to your funeral expense, your loved ones may be faced with other final ex- penses such as a mortgage, a car loan, credit card payments, utility bills and hospital or doctor bills. Things you MIGHT WANT to leave your loved ones: Cherished Memories • Personal Property • Family Heirlooms Things you DO NOT WANT to leave your loved ones: Medical Bills • Funeral or Burial Expenses • Other Debts

Where will the money come from? Social Security Death Benefit: $255 lump sum death benefit to qualified dependents 2 Veterans Administration Death Benefit: $300 lump sum death benefit. only if you qualify 3 Savings: • Do you have the funds necessary to cover your final expenses? • Keep in mind that Social Security Income may be reduced when a spouse dies. Loved Ones: • Do they have the funds necessary to cover such costly expenses? Peace of Mind... in Time of Need 1 Federal Trade Commission for the Consumer. Funerals: A Consumer Guide, May 2007. 2 Survivors Benefits SSA Publication No. 05-10084, August 2007, www.ssa.gov 3 Federal Benefits for Veterans and Dependents, 2007 Edition, Department of Veterans Affairs.

Why is this important? Most people request information for 1 of 4 reasons: • They don’t have protection. • They need more protection. • They want to leave money behind for a loved one. • An estate could be in probate for quite some time causing lifestyle changes Why did you send this in? • To alleviate financial burden? • To replace loss of income?

Lets Get Started Choose the option that best fits for your family and you budget. We’ll submit the application to the company with the best rate and plan for you.

Are you interested in a safe money solution for some of your savings? We believe that as your approach retirement or are in retirement your money must be protected from a market downturn. Do you agree? We have some safe money places that we’d like to share with you. Are you interested?

You’re all set! Are you glad to know that you’re now covered for only _______per month? Do you have any final questions for me? Do you see any reason that you won’t be able to make your monthly payment?