FHC STUDY GROUP DECEMBER 2014

What successes have you had this year? What has been working for you?

Success Story: Brian Askins Using the Target Premium Spreadsheet Compensation Example #1: Rolling Targets Carrier Product Premium Target Premium Yr 1 Comp Yr 2 Comp Total Comp Protective Custom Choice 18,173 26,940 16,356 273 16,628 Adv Choice 19,098 25,180 17,188 5,669 22,857 Numbers shown herein are for informational purposes only and are not guaranteed by First Heartland Corporation or any of its affiliates. Information is subject to change at any time. For a 5.09% increase in premium (924.63 premium difference), the first year comp is increased by that amount (5.09%) when comparing one product to the other and the total comp over 2 years is 37.46% more or 6,229 additional comp from one product compared to the other Compensation Example #2: The “Commodity” Sale Carrier Product Premium Target Premium Yr 1 Comp Yr 2 Comp Total Comp Nationwide GUL 3,827 3,850 3,444 57 3,502 North American 3,891 3,890 3,501 39 3,540 American General 3,943 4,670 3,352 682 4,034 Lincoln GVUL 4,320 6,410 3,888 1,937 5,825 Numbers shown herein are for informational purposes only and are not guaranteed by First Heartland Corporation or any of its affiliates. Information is subject to change at any time. Comparing Nationwide (lowest cost product here) and Lincoln’s VUL with a guarantee built in 12.88% increase in premium (493) • 66.34% difference in comp over 2 years

Success Story: A.W. Abel

Success Story: Jay Hokanson