Revenue-Generating Ideas for a Successful 2017 January 19,2017

Standard’s New Product Platinum Advantage More Flexibility with Premium Design: Pick and choose riders New Rider: Family Care Benefit Only with Standard Coverage extends to client so they may take time from work to care for a child, parent, spouse and domestic Partner with a serious health condition Provides monthly payments as aa supplement for an income loss of 20% or greater.   Offers two residual rider options: Basic & Enhanced (Enhanced plan is more for the high income client or Class 5A) Choice of True Own Occupation or Basic Own Occupation Rider www.firstheartland.com/di

College Planning Podcast Available Podcast.firstheartland.com (needs itunes on computer) Podcast2.firstheartland.com (on iphone)

Albridge Update Responsive layouts across devices Improved navigation Created new client dashboard feature

Objectives Provide Advisors will flexible revenue generating sales ideas to launch a great year Lemons to Lemonade DOL Vanquished

Agenda Stoyan: FIA alternative with the accumulation you want and the protection you need Steve: Eliminate Three Fears with One Sale Scott Bybee: DOL Provides an Exciting Opportunity for your Business

MetLife Shield MOST POPULAR FIA alternative with the accumulation you want and the protection you need Most popular product in FHC distribution FIA Alternative Top Reasons People Like It 5 Index Choices (S&P 500, Russell 2000, MSCI EAFE, NASDAQ 100, Bloomberg Commodity) in 1,3, 6 Year Term Lengths 26 Downside Protection Options with or w/o ROP at Death No Fees Short 6-Year Surrender Charge Schedule (9, 8, 8, 7, 6, 5) Mix Multiple Strategies; Build Ladders

Top Reasons to Sell This Hybrid Customizable Downside Protection Short Surrender Laddering Choose from Five Indices (S&P 500, Russell 2000, MSCI EAFE, NASDAQ 100, Bloomberg Commodity 26 Options with or without ROP at Death Short 6-Year Surrender Charge Schedule (9,8,8,7,6,5) Mixed Multiple Strategies; Build Ladders Choose from Three Term Lengths (One Year, Three Year, Six Year) No Fees

MetLife Shield: Sales Applications Alternatives For Clients Who FIA Alternative Build Own Floor Multiple Ladders & Indices CD Alternative w/ Market Linked Returns want to lock market gains want varying market protection in a tax-deferred strategy want substantially bigger upside capture than traditional FIAs are concerned about a market correction

MetLife Shield Learning More About www.pro.metlife.com/shield/ FIA alternative with the accumulation you want and the protection you need www.pro.metlife.com/shield/

Eliminate Three Fears with One Sale What is one of, if not the largest fear of most clients? What is one of, if not the largest fear of most advisors? What is the number 1 portfolio killer? How does a guaranteed safe money rate of return of 4% sound to you? Cover 3 client needs with one policy

Scott Bybee DOL Provides an Exciting Opportunity for your Business Advantages from DOL decision Successful Conversations Smooth Transition Additional Words of Advice

Join Us Again Study Group: What Carriers & Products You Loved in 2016 Tech Talk: How to Get the Most Out of a CRM Heartland Huddle: Advisory Processing 2/16 2/7 2/1