Let’s take a closer look at the value Highland brings to property and casualty agencies. Revised 6/30/16 HCB00479

What makes Highland different What makes Highland different? Here are the key areas where we standout from our competition. Highland has … A true national footprint, with local, point-of-sale resources State-of-the-art online resources A strong commitment to underwriting excellence Advanced sales & marketing resources Information security

Unlike other brokerage firms that simply group together for compensation aggregation, Highland truly is a national company with a national footprint. We have 9 sales offices across the US, with representatives in more than 40 locations, including Hawaii and Puerto Rico.

With over 90 sales vice presidents across the nation, we distinguish ourselves by providing local, point-of-sale support, advanced marketing, and creative estate and business planning techniques.

Our state of the art technology helps make it faster and more cost effective for you to serve your clients and grow your business. Ask us about our proprietary platforms designed to streamline the life insurance process. Additional PPT Notes: AppNav – cut processing time by 30% and have applications submitted right the first time via our simple to use online e-application! With 13 carriers and the flexibility of a insurance drop ticket or full e-application flexibility you can count on cutting precious days off of your processing time. Leverage the benefits of Straight-Through-Processing with our easy 3 step solution: 1. Health Assessment > 2. Term Quote > 3. E-App all in a matter of minutes! E-Underwriter - e-Underwriter is a health assessment tool that will allow the producer to enter specific client impairments. Based on the information provided those impairments are then compared with participating carrier’s published and non-published guidelines to find the best rate class. The producer then has the option to forward the information to his HCB case manager for assistances or continue to AppNav’s quote section.   Efficient Forms – have producers appointed electronically by multiple carriers in just minutes! Vital Sales Suite – Need a quote or a spreadsheet of available product and pricing options or even information related to the financial stability of a carrier. Vital Sales Suite contains all of this and more. WebReports – on-demand production information. Review trends, metrics, and updates on pending cases & outstanding requirements. Filter and sort the data in multiple ways! Life Concepts – Easy to follow customized visual aids and presentations for advanced sales concepts. 24/7 Access – Access cases anytime of the day. View outstanding requirements and access to case managers are available.

On HCBLife.com, get hassle-free access to the most recent carrier marketing materials, Highland marketing campaigns, and more!

We provide a library of professional marketing material designed for you to share with your clients.

Estate Planning and Wealth Transfer Our nationally recognized advanced sales support team ensures your most complex cases are successfully placed. They specialize in: Estate Planning and Wealth Transfer Business Succession, Business Valuation, and Buy-Sell arrangements Executive Benefits and Key-Person Retention Non-Qualified Benefits Premium Financing and Life Settlements

At Highland, our experienced underwriting team stands ready to assist you by leveraging their access to chief underwriters and medical directors. We provide: State-of-the-art case management Underwriting Advocacy Risk Assessment Go-to Market Strategies Subject Matter Expertise Jumbo and Large Case Expertise Coordination for a seamless process

Highland has over 70 carrier relationships with dedicated underwriting and service teams. This allows us to provide carrier neutral solutions to your clients.

We take your privacy and security very seriously We take your privacy and security very seriously. That’s why we partner with industry leaders to provide secure systems and applications. Our agency and document management systems have security standards and measures in place to protect and secure data. These standards comply with nationally recognized banks and wirehouse requirements.

The value we bring to financial professionals is directly tied to our culture of caring. We put integrity, people & relationships, excellence, leadership, passion & determination first.

With Highland you will receive comprehensive support that is consistent, complete, and compliant.

Highland strengthens your client relationships by offering insurance solutions and proprietary software that meets your client’s risk management needs. Learn more about CrossXing, a proprietary software for P&C Agencies by selecting the next presentation.

Are you social? Be sure to connect with us online and visit our blog. We post new business enhancing sales strategies every week. Just go to highlandbrokerage.com/blog.