Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Breathing New Life Into Your Customers A new approach to marketing life insurance

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Why People Buy Insurance They have needs. Source: LIMRA International

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Why Dont They Buy? You have solutions. Source: LIMRA International

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY You should have the key to dominate this market… WHAT IS STOPPING YOU?

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Objections to Selling Life Insurance 1.Life insurance sale too complicated 2.It is too difficult to get someone to understand the need and then act 3.Could possibly lose credibility if sale goes bad

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY

Sample to Customer

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY

Client Scenario Dale Married Two children (7 and 9) Primary income earner Wife consults on the side Mortgage - $233,000 Has $550,000 of existing life life insurance coverage

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY , , , ,000 5,000 15,000 35,000

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY ,313 35, , , ,313785, , ,

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process Needs based flyer sent Send consumer fact finder Option 1: Consumer fact finder sent Respond with timeline for recommendations Option 2:

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process Options should be: Based on client response Ready before meeting Reasons for options should be identified Other tools you should have: Product highlight sheets Review product highlight brainsharks Recommendation Worksheet completed prior to meeting

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY In it for life. In it for you.

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Financial Strength Trusted Mutual company since 1909 Success built on vision and performance A.M. Best Company A+ (Superior) Moodys Investor Services Aa3 (Excellent) Standard and Poors A+ (Strong) Consistently high industry ratings: *As of June 2011

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Term Life Express (TLE) Complete portfolio of 15, 20 and 30 year products Simplified issue up to $400,000 –No Blood, No Urine, No Paramed Four riders/provisions included with policy –Residential Damage Waiver of Premium Rider –Unemployment Waiver of Premium Rider –Accelerated Death Benefit Provision –Common Carrier Death Benefit Provision Available on the iGO e-App SM 5-day issue for clean applications

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Term Life Answers SM Guaranteed Level Term Competitive rates; ages –Great smoker rates Liberal conversion opportunities Available on iGO e-App SM & Speed eTicket SM platforms Commissions on policy fees for face amounts under $250,000. Other Insured Rider Qualifies for the Fit Underwriting Credit Program

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Fit Credit Program Applies to all fully underwritten TERM & UNIVERSAL life products Three characteristics = 1 Table Credit Five characteristics = 2 Table Credits The best case final offer is Standard Great for build & Diabetes clientele 12 Lifestyle and medical credits apply

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Guarantee Universal Life (GUL) Secondary Guarantee Universal Life Competitive lifetime level premiums –Preferred NT, Standard NT, and Standard Tobacco –Ages 50 – 70 –$500,000 and $1,000,000 bands Competitive dial down guarantees Qualifies for the Fit Credit Program Accelerated death benefit for terminal and chronic illness rider

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Why Dial Down? Guarantee their premium for a period closer to their actual life expectancy Offer competitive premiums, Especially at ages 45-75, Standard and preferred user rate classes Dialed down to ages 90, 95, and 100 $500k, and $1m face amount bands Age Last Birthday Company Guarantee Universal Life (GUL) Secondary Guarantee Universal Life As of May 23, 2011 these premiums are current and accurate to the best of our knowledge.

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process Term Life Answers Fillable application available for all products Term Life Express Term Life Answers

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process

Life insurance underwritten by United of Omaha Life Insurance Company. United is not licensed in New York. In New York, life insurance is underwritten by Companion Life Insurance Company, Hauppauge, NY Life Sales Process