The Ultimate American Classic Agency in Mortgage Protection Presents: The Ultimate in Mortgage Protection If you live-you get your money back If you die-the home is free and clear If you’re disabled--your mortgage payments are covered Insurance When You Need It, Assurance When You Don’t

American Classic Agency I Am An Independent Agent Before we get started, I want you to understand that I am an independent agent. An independent agent in the insurance industry means that I represent more than one company. The reason I position myself that way is so I can stay more competitive in the marketplace vs. a captive company. All they have is their own product line. One of the things that has made us successful over the years is that we analyze your account and make sure that you are in the best program for you. If there is a better program on the market, we make you aware of it. This is a service we provide that captive agents do not, because they only represent that one company. In other words, we work for you rather than for the company. The reason people are buying this program is that they are isolating their biggest asset and their biggest liability…which 99% of the time is their home. [Tell what company you selected. Give brochure for credibility.] - Specialists at providing mortgage protection for American families - Established in 1995 - Comprising thousands of licensed Agents across the U.S. - Representing leading Life Insurance companies - Providing Life Insurance and Annuities to families and businesses nationwide I Am An Independent Agent I Represent More Than One Company We Make Sure You’re In The Best Program For YOU Generally your biggest asset / liability is your home. This program protects your home. ACA Mortgage Protection

Best Protection For You I Am An Independent Agent Before we get started, I want you to understand that I am an independent agent. An independent agent in the insurance industry means that I represent more than one company. The reason I position myself that way is so I can stay more competitive in the marketplace vs. a captive company. All they have is their own product line. One of the things that has made us successful over the years is that we analyze your account and make sure that you are in the best program for you. If there is a better program on the market, we make you aware of it. This is a service we provide that captive agents do not, because they only represent that one company. In other words, we work for you rather than for the company. The reason people are buying this program is that they are isolating their biggest asset and their biggest liability…which 99% of the time is their home. [Tell what company you selected. Give brochure for credibility.] We make sure you’re in the best program for YOU! Our program is designed to be flexible and is tailored to meet YOUR individual needs. I Am An Independent Agent I Represent More Than One Company We Make Sure You’re In The Best Program For YOU Generally your biggest asset / liability is your home. This program protects your home. ACA Mortgage Protection

Choice of Beneficiary Choice of Beneficiary The first feature of our program allows you to pick your own beneficiary. Let me explain… With most mortgage protection programs the beneficiary is the bank or lender. In other words, if you die the proceeds automatically go to the bank to pay the mortgage. The ACA Mortgage Protection Program puts you in control. With American Classic’s Ultimate Protection program, YOU choose who receives the proceeds in the event of death. There are several options: Our Program Lets YOU Designate Your Own Beneficiary Most Programs Pay Death Benefits Directly to the Bank or Lender Infinity Puts You In Control Invest the money and make payments from the account. Use the proceeds to relocate to a different home. Pay off the existing mortgage. ACA Mortgage Protection

Our plan can simply move with you to protect your new mortgage. Portable Portable The second feature of our program is that it’s portable. Whereas most mortgage protection programs automatically end if you move or sell your home… The ACA Program moves right along with you. Say you decide to move 10 to 15 years from now. With other programs, you’d be in the market for a new mortgage protection plan along with your new home. And since you’re 10 to 15 years older, that policy is going to cost more than the one you’re purchasing today. Of course that’s only if you’ve been fortunate enough to remain healthy enough to qualify for insurance. Some people aren’t so lucky. Some can still qualify, but only at much higher rates. With our program, once you’re approved, your mortgage protection plan remains unaffected by your health. If you move years from now… you can take this same program with you. Again, this would be important to have in your mortgage protection plan, wouldn’t it? If you sell your home and buy another… If you refinance your present home... Unlike Most Other Mortgage Protection Programs, If You Move Our Plan Moves With You That Means You Won’t Have To Shop For Replacement Coverage Years From Now When Your Increased Age or Poor Health Can Make Protection Very Costly--or Even Impossible--to Get Our plan can simply move with you to protect your new mortgage. ACA Mortgage Protection

Our Death Benefit is designed The full length of the mortgage Benefit Remains Level Death Benefit Remains Level The third feature of our program is our level death benefit. Here’s what this means to you. With most mortgage protection programs, as your mortgage decreases, so does your death benefit (even though your premiums remain the same). When your mortgage balance is zero…so is your death benefit! With the ACA Program the death benefit remains the same unless you decide to reduce it…and if you do, we’ll lower your premiums. You might ask yourself, “If my mortgage is reducing, why would I want my death benefit to remain level?” Remember the scenario I just mentioned: What if you decide to move years from now? What if you develop a health condition? You may want to keep this protection for whatever reason, but that decision is yours…it isn’t being made for you. One of the things I like about this program is that it’s flexible. As your needs change, so can this program. Whereas with most mortgage protection programs, what you start with is what you end up with…And there is NO deviation! Again, you would want this in your mortgage protection plan, yes? Our Death Benefit is designed to remain level for The full length of the mortgage Most Programs Reduce Death Benefits As Your Mortgage Decreases (With No Reduction In Premium) The Infinity Program Provides A Level Death Benefit Regardless of Your Pay-Off You Can Opt For Lower Death Benefits--And Get Lower Premiums In Return ACA Mortgage Protection

Other Insured Persons ANYONE with an insurable interest can be covered Other Insured Rider ANYONE with an insurable interest can be Covered under this program: Even if their name isn’t on the mortgage Even if they are not a spouse Most other plans insure ONLY those named on the loan. ANYONE with an insurable interest can be covered under this program: Even if their name isn’t on the mortgage Even if they are not a spouse Most other plans insure only those named on the loan. ACA Mortgage Protection

Disability Income Option (Present ONLY if prospect is eligible for disability) ---------------------------- Disability Income The seventh feature of our program is a provision for disability income. In the event you become disabled, this feature will pay a sum equal to your monthly mortgage payment for the period of time you select. These payments are made not to your lender…but directly to you! This feature can pay your mortgage payments From one to five years (per disability) if you become disabled Should You Become Disabled, This Feature Pays Your Mortgage Payments Payments Are Made Direct To You You Select The Coverage Period ACA Mortgage Protection

Disability Waiver of Premium The Waiver of Premium feature--our program’s fifth feature--provides benefits if you’re disabled for a period of six months or more. Kicking in the seventh consecutive month you’re disabled, this feature will make your deposits to the program… retroactive to day one! And it keeps making those payments so long as you’re out of work, through age 65. This is important because the stress caused by a long term disability can put a real strain on your household. That’s when you need protection the most…and when new limits on your income make it the most difficult to afford. The ACA Program removes the worry and keeps your benefits intact. This important feature will pay your policy premiums…… if you become disabled Waiver of Premium Feature Pays For The Plan For You Should You Be Disabled For Six Months Or More. Payments Are Retroactive Keeps Coverage Intact At A Time When It’s Most Critical If your disability is permanent… … it will pay your premiums until your 95th birthday! ACA Mortgage Protection

Unemployment Waiver Of Premium The Waiver of Premium feature--our program’s fifth feature--provides benefits if you’re disabled for a period of six months or more. Kicking in the seventh consecutive month you’re disabled, this feature will make your deposits to the program… retroactive to day one! And it keeps making those payments so long as you’re out of work, through age 65. This is important because the stress caused by a long term disability can put a real strain on your household. That’s when you need protection the most…and when new limits on your income make it the most difficult to afford. The ACA Program removes the worry and keeps your benefits intact. Should you be laid off, downsized, etc., this FREE benefit will keep your protection in force for up to 6 months… depending upon the plan you choose. Waiver of Premium Feature Pays For The Plan For You Should You Be Disabled For Six Months Or More. Payments Are Retroactive Keeps Coverage Intact At A Time When It’s Most Critical ACA Mortgage Protection

Terminal Illness Benefit Waiver Of Premium The Waiver of Premium feature--our program’s fifth feature--provides benefits if you’re disabled for a period of six months or more. Kicking in the seventh consecutive month you’re disabled, this feature will make your deposits to the program… retroactive to day one! And it keeps making those payments so long as you’re out of work, through age 65. This is important because the stress caused by a long term disability can put a real strain on your household. That’s when you need protection the most…and when new limits on your income make it the most difficult to afford. The ACA Program removes the worry and keeps your benefits intact. Should you be diagnosed with a terminal illness and given fewer than 24 months to live, you have the option of receiving your death benefit early. This is a FREE benefit. Waiver of Premium Feature Pays For The Plan For You Should You Be Disabled For Six Months Or More. Payments Are Retroactive Keeps Coverage Intact At A Time When It’s Most Critical ACA Mortgage Protection

Chronic Illness Benefit Waiver Of Premium The Waiver of Premium feature--our program’s fifth feature--provides benefits if you’re disabled for a period of six months or more. Kicking in the seventh consecutive month you’re disabled, this feature will make your deposits to the program… retroactive to day one! And it keeps making those payments so long as you’re out of work, through age 65. This is important because the stress caused by a long term disability can put a real strain on your household. That’s when you need protection the most…and when new limits on your income make it the most difficult to afford. The ACA Program removes the worry and keeps your benefits intact. Should you be diagnosed with a Chronic Illness which prevents you from performing any 2 of the 6 Activities of Daily Living (Bathing, Continence, Dressing, Eating, Toileting or Transferring) or suffer from a Cognitive Impairment, you have the option of receiving your death benefit early. This is a FREE benefit, depending upon the plan you choose.. Waiver of Premium Feature Pays For The Plan For You Should You Be Disabled For Six Months Or More. Payments Are Retroactive Keeps Coverage Intact At A Time When It’s Most Critical ACA Mortgage Protection

Critical Illness Benefit Waiver Of Premium The Waiver of Premium feature--our program’s fifth feature--provides benefits if you’re disabled for a period of six months or more. Kicking in the seventh consecutive month you’re disabled, this feature will make your deposits to the program… retroactive to day one! And it keeps making those payments so long as you’re out of work, through age 65. This is important because the stress caused by a long term disability can put a real strain on your household. That’s when you need protection the most…and when new limits on your income make it the most difficult to afford. The ACA Program removes the worry and keeps your benefits intact. Should you be diagnosed with a Critical Illness (Heart Attack, Stroke, Cancer, Blindness, Lou Gehrig’s Disease or Major Organ Transplant) or suffer from a cognitive impairment, you have the option of receiving your death benefit early. This is a FREE benefit, depending upon the plan you choose. Waiver of Premium Feature Pays For The Plan For You Should You Be Disabled For Six Months Or More. Payments Are Retroactive Keeps Coverage Intact At A Time When It’s Most Critical ACA Mortgage Protection

Money Back Option Money Back Option Chose This Option And At the End Of Your Mortgage You Can Receive A Refund Of All Premiums Paid Into The Program Choose this option and at the end of your mortgage you can receive Up to a refund of all premiums paid into the program. Insurance when you need it... assurance when you don’t! ACA Mortgage Protection

Child Rider Option Waiver Of Premium The Waiver of Premium feature--our program’s fifth feature--provides benefits if you’re disabled for a period of six months or more. Kicking in the seventh consecutive month you’re disabled, this feature will make your deposits to the program… retroactive to day one! And it keeps making those payments so long as you’re out of work, through age 65. This is important because the stress caused by a long term disability can put a real strain on your household. That’s when you need protection the most…and when new limits on your income make it the most difficult to afford. The ACA Program removes the worry and keeps your benefits intact. This option provides $5,000 to $25,000 of life insurance protection for all of your eligible children. One premium covers all of your eligible children. Waiver of Premium Feature Pays For The Plan For You Should You Be Disabled For Six Months Or More. Payments Are Retroactive Keeps Coverage Intact At A Time When It’s Most Critical ACA Mortgage Protection

24-Hour Coverage ...Accident, Sickness or Natural Causes 24-Hour Coverage… Accident or Sickness The sixth feature of our program is 24-Hour Coverage--on or off the job--in the event you’re disabled by an accident or illness. Most mortgage protection programs provide this type of coverage ONLY to those injured through accident. (Give Examples) 24-Hour Coverage ...Accident, Sickness or Natural Causes This program pays benefits should an Accident, Illness or Natural Cause cause death or disability. 24-Hour Coverage On or Off The Job Pays Benefits Regardless of Whether Your Disability Is Caused By An Accident or Sickness Most Programs Limit This Coverage To Accident Victims Alone BEWARE: Many mortgage protection plans pay benefits ONLY if you Die or are Disabled through an accident! ACA Mortgage Protection

Program Review Program Review (Summary) The ACA Mortgage Protection Program provides you with reliable, flexible coverage so you and your family can face an uncertain future without fear… Here it is in a nutshell: -If you live, you get all of your money back, -If you die, the home is left free and clear, -And if you are disabled, your mortgage payment will be made for you! [Review Benefits] [Show Options] If you live and you have selected the Money Back Option, you get all of your money back. If you die, your family will be able to continue to live in the home they love. If you become disabled and you have selected the Disability Income Option, your mortgage payments can be met for up to two years. * Due to varying state regulations, some features may not be available in certain states. ACA Mortgage Protection

Our commitment to one another Your Personal Mortgage Protection Review (Close) Mr. & Mrs. Client, there’s only one thing left to do here, and that’s to put the prices on the table. Now, I have already guaranteed you that I will put this into your budget. I need for you to promise me one thing. When I get to the end, you will not look at each other and say “This looks great, but we need some time to think about it.” I’m asking you not to do this for your sake, not mine. After all my years of doing this, it can only mean one of two things: Our Pledge To You: To provide a program that fits your needs and your budget We want this program to meet your families needs AND fit comfortably within your families budget. If you live-you get your money back If you die-the home is free and clear If you’re disabled--your mortgage payments are covered 1. You don’t understand what I've covered. I apologize if this is the case. Talk to me and I will answer your questions. 2. You can’t afford it. Please don’t be embarrassed if this is the case. I can cut the cost one of two ways: Your Pledge To Us: If we can design a program that in your judgment meets your needs and fits your budget Lower the face amount Shorten the years [Shake hands and show your plans.] You will complete an application to see if you qualify for coverage. You will submit one month’s premium (fully refundable) to lock in your conditional coverage. ACA Mortgage Protection

American Classic Agency Your Personal Mortgage Protection Review (Close) Mr. & Mrs. Client, there’s only one thing left to do here, and that’s to put the prices on the table. Now, I have already guaranteed you that I will put this into your budget. I need for you to promise me one thing. When I get to the end, you will not look at each other and say “This looks great, but we need some time to think about it.” I’m asking you not to do this for your sake, not mine. After all my years of doing this, it can only mean one of two things: The Ultimate in Mortgage Protection If you live-you get your money back If you die-the home is free and clear If you’re disabled--your mortgage payments are covered 1. You don’t understand what I've covered. I apologize if this is the case. Talk to me and I will answer your questions. 2. You can’t afford it. Please don’t be embarrassed if this is the case. I can cut the cost one of two ways: Lower the face amount Shorten the years [Shake hands and show your plans.] Insurance When You Need It, Assurance When You Don’t