LNL0529 Recruiting LNL

Opportunity What is important to you? 2

Defining Liberty National Organized in 1900 as a Fraternal Benefit Society Incorporated in 1929 Licensed to operate in 49 States Stability 3

TORCHMARK CORPORATE PROFILE TMK NYSE 4

Defining Liberty National A+ (Superior) From A.M. Best Company (as of 6/11) AA- Very Strong By Standard & Poors (as of 5/11) A1 By Moodys (as of 3/11) A+ Strong By Fitch (as of 1/11) Wards 50 Life-Health List Every year since 1995 (as of 7/11) Stability 5

6 Income Opportunities Financial Strength Flexible Markets Training Advancement Opportunities Integrity Incentives Vested Renewals

1.Our Lead generation system – Why its so powerful 2.Our Products: Needs Based & Valued 3.How our Agents get Paid & Build Wealth 4.Our Management Career Track 5.Residual Income: The reason Career Minded Professionals make this a Lifestyle 5 Key Objectives

DYNAMIC Lead Source Policy Owners – 4 Million Open Enrollment Sponsorship Worksite Re-enrollments Child Safe Program Accidental Death Policy MedFacts Kit Discount Card Lead Management System

Living Benefits Primary Wage Earner Spouse ChildrenPrice/Wk Benefit Benefit BenefitPrice/Wk $50,000 Cash Cancer $50,000 $50,000$12.70 $1,000 Protector Max $1,000 $1,000$6.30 Funeral Benefit (Whole Life) Benefit Price/Wk $15,000 Burial/ Final Expense$5.88 Monthly Income (10-Yr Term) Benefit Price/Wk $200,000 Burial/ Final Expense$13.64 $368, 000 of Benefits $38.52 Per Week Insurance Sale Example (2.5%) $38 a week ($166 Monthly)

Performance Based Pay: In Home Based on $38/month average premium, 60% advance and at 15% production pay Weekly AverageMonthlyYearly SalesAdvance Weekly Production Pay Total Weekly Income Total Monthly Income Total Yearly Income 3$820$205$1,025$4,452$53,434 4$1,094$273$1,367$5,932$71,193 5$1,368$342$1,710$7,421$89,056 6$1,641$410$2,051$8,901$106,812 Weekly AverageMonthlyYearly SalesAdvance Weekly Production Pay Total Weekly Income Total Monthly Income Total Yearly Income 3$820$205$1,025$4,452$53,434 4$1,094$273$1,367$5,932$71,193 5$1,368$342$1,710$7,421$89,056 Weekly AverageMonthlyYearly SalesAdvance Weekly Production Pay Total Weekly Income Total Monthly Income Total Yearly Income 3$820$205$1,025$4,452$53,434 4$1,094$273$1,367$5,932$71,193 Weekly AverageMonthlyYearly SalesAdvance Weekly Production Pay Total Weekly Income Total Monthly Income Total Yearly Income 3$820$205$1,025$4,452$53,434 Weekly AverageMonthlyYearly SalesAdvance Weekly Production Pay Total Weekly Income Total Monthly Income Total Yearly Income

Performance Based Pay: Worksite Based on $38/month average premium, 50% advance and at 15% production pay 32 Employee Business Enroll 50% MonthlyYearly SalesAdvanceProduction Pay Total weekly Income Total monthly Income Total Yearly Income 8$2,110$844$2,954$12,704$152,448 16$4,221$1,688$5,909$25,408$304, Employee Business Enroll 50% MonthlyYearly SalesAdvanceProduction Pay Total weekly Income Total monthly Income Total Yearly Income 8$2,110$844$2,954$12,704$152, Employee Business Enroll 50% MonthlyYearly SalesAdvanceProduction Pay Total weekly Income Total monthly Income Total Yearly Income

2011 Top Agent Incomes $336,547 $198,106 $186,897 $175,109 $166,220 $166,192 $146,912 $132,132 12

Advancement 100% Merit Based Promotions through Career Track program. A Fast Track Management Training Program 13

Advancement Opportunities Unit Manager Pay Example Commission Payment Override of 35% for Unit Manager (Assuming Agent appointed less than 12 months) 14 Assuming $50,000 policy purchased on Bank Draft, BASED ON MAXIMUM PRODUCTION PAY AND MAXIMUM COMMISSION for Agent with 5-13 weeks of service and 4-week gross submit average of $2,500; Production Pay assumes DCN multiplier 1.0

Advancement Opportunities Unit Manager Pay Example 15 Assuming $50,000 policy purchased on Bank Draft, BASED ON MAXIMUM PRODUCTION PAY AND MAXIMUM COMMISSION for Agent with 5-13 weeks of service and 4-week gross submit average of $2,500; Production Pay assumes DCN multiplier 1.0

Residual Income Q.Whats the difference between Insurance and other sales professions? A.Residual Income 16

Residual Income Paid only once upon initial sale: Automobile salespeople Shoe salespeople Real Estate agents Paid from sales made years ago: Insurance Agents Agents paid each month from renewals beginning the 2 nd policy year 17

Vesting Schedule* Number of Continuous Years Contract In Force at Time of Contract Termination Percentage of Vesting Less than 11 full yearsNone At least 11 but less than 12 full years10% At least 12 but less than 13 full years20% At least 13 but less than 14 full years30% At least 14 but less than 15 full years40% At least 15 but less than 16 full years50% At least 16 but less than 17 full years60% At least 17 but less than 18 full years70% At least 18 but less than 19 full years80% At least 19 but less than 20 full years90% 20 full years or more100% Payment of vested commissions begins on 20 th anniversary of Agents start date * For Illustrative Purposes Only. See contract for specific details. 18

Vesting Example 19

Vesting Example 20

Residual Income Make money from sales you made years ago! Make money before you even get out of bed in the morning! 21

Incentives Convention locales have included: Caesars Palace, Las Vegas Fontainebleau Hotel, Miami Caribbean Cruise Puerto Rico Atlantis Resort, Bahamas Torch Club Sales Convention Destinations 22

Convention: San Diego June 18-21, Join us at Hotel del Coronado. The ultimate San Diego destination, the resorts enchanting island setting and classic architecture form the perfect backdrop for Convention 2013 Guest rooms blend a classic-yet-modern style with a relaxing, casual sophistication, provide 24-hour room service, and are mere steps from the magnificent Pacific Ocean

Prospect SpouseChildren Living Benefits (Hospital Intensive Care/Protector Max) $150Emergency Room $150 $100 $300Daily Hospital $300 $200 $600Intensive Care $600 $400 Funeral Benefit (Whole Life) $15,000 Burial/ Final Expense $15,000 $10,000 $70,000 Accidental (ADP) $70,000 $4,000 $110,000 Auto Accident $110,000 $8,000 $150,000 Common Carrier $150,000 $20,000 Monthly Income (10-Year Term) $3,000 x 2 years Insurance Sale Example (2.5%) $32 a week ($ Monthly)