WELCOME TO OUR TRAINING SEMINAR UNITY FINANCIAL LIFE COMPANY LEARN HOW TO MAKE AN EXTRA 7K MONTHLY ! 1

OUR GOAL IN THIS SEMINAR The Goal of This Sales Training Academy To help you make an extra 7K monthly And to help your clients protect Assets by planning now 2

A NURSING HOME CAN WIPE-OUT A LIFETIME OF SAVINGS ! 93% OF SENIORS OVER 65, DON’T HAVE NURSING HOME INSURANCE ! 3

SINCE ONLY $1500.00 IS EXEMPT FOR LIFE INSURANCE…THIS IS AN ISSUE Medicaid says only a $1500.00 life insurance policy is exempt. Any policy over that amount in cash values is a countable asset and would have to be spent down for Medicaid Eligibility. Example: $10,000.00 Policy – (Paid Up) 9,850.00 Cash Value SOLUTION: 1035 Exchange to Funeral Trust. (Tax Free) – Now it is Protected. 4

Funeral Trust Planning Dollars put into the Irrevocable Funeral Trust is Exempt. (Client receives fair market value - No Five Year Look-Back) Protected from Creditors, Lawyers, Hospitals, Nursing Homes and Medicaid. The last trust available without a look-back. Great Medicaid Planning Tool. The Financial Planner /Insurance Agent can now assist their clients with this pre-planning trust. 5

PLANNING TOOLS REVIEW – PLANNING YOU SHOULD RECOMMEND ADVANCE PLANNING SHOULD BE DONE FIVE YEARS IN ADVANCE TO PROTECT ASSETS REVIEW – PLANNING YOU SHOULD RECOMMEND PLANNING TOOLS FUNERAL TRUST PLANNING POWER OF ATTORNEY HEALTHCARE AND FINANCIAL POA NETWORKING WITH AN ATTORNEY KEEP IT SIMPLE…THIS FUNERAL TRUST IS EASY TO SELL…YOU DON’T HAVE TO BE A EXPERT TO SELL THIS PRODUCT! THIS FUNERAL TRUST PLANNING IS JUST COMMON SENSE! 6

Unity Financial Life Insurance Company Cincinnati, Ohio Home Office Licensed in 42 States Expertise in funeral funding insurance Fastest Growing Private Company in Pre-Need Strong Balance Sheet

UNITY FINANCIAL LIFE INSURANCE COMPANY SINGLE PREMIUM LIFE PRODUCT ISSUE AGES 0-99 NO UNDERWRITING – GUARANTEED ISSUED GREAT COMMISSIONS FUNERAL TRUST PROVIDED BY INS. CO. UNITY FUNERAL TRUSTS – ONE PAGE APP. MEDICAID EXEMPT IN MOST STATES ILLINOIS - $10,000 – FUNERAL TRUST WISCONSIN - $ 12,500 FUNERAL TRUST TEXAS - $12,500.00 1035 EXCHANGES ACCEPTED GREAT FOR PRE-PLANNING AND CRISIS PLANNING

Your Opportunity to Make Independent Marketing Organization for Unity Financial Life Company PRODUCT DEVELOPED BY DELCO BROKERAGE AND UNITY FINANCIAL LIFE Your Opportunity to Make An Extra 7K per Month, Marketing to Your Existing Clients. IT’S EASY AND SIMPLE TO DO!

FUNERAL COSTS CAN VARY FROM $7000- $12,000 NATIONAL AVERAGE IS $8495.00 11

DELCO BROKERAGE SERVICES The Irrevocable Funeral Trust Irrevocable Funeral Trust (IFT) - Funded by a single premium life policy. Trust strictly specifies money is to be used for funeral expenses. Life Policy grows @2.00% per year to age 80, 1% -81-90. At Death, the trust pays the funeral home directly with excess funds being returned to the estate or family. Death claim - Agent gathers death certificate/bill from funeral home and fills out claim form for family. DELCO BROKERAGE SERVICES 12

The Easiest Sale You’ll ever make Four ways to fund the IFT Trust 1035 Exchange from Old Life Insurance Policies that have a Face Value of over $1500.00 Cash - Write You a check 10% Free Withdrawal from an Annuity Old Mature savings Bonds 13

1035 Exchange Sale Face Amount - $10,000 Cash Value - $ 9200.00 FUNERAL TRUST Protect This Policy by Tax Free Exchange Life Insurance Policy Face Amount - $10,000 Cash Value - $ 9200.00 Medicaid limits in most states - $ 1,500.00 Provides Instant Medicaid Protection

The 10% Free Withdrawal To Fund Trust Existing Annuity Policy - $ 200,000.00 Value 10% Free Withdrawal from An annuity to fund funeral trust. ($20,000.00) Use $20,000 to set up (2) Funeral Trusts at $10,000 per spouse. Now this money is Medicaid Exempt!

Your Biggest Competition THE FUNERAL HOME REASONS WHY YOUR CLIENT IS BETTER OFF DOING BUSINESS WITH YOU. The Funeral Home might go out of business You might move closer to your children in your old age The Funeral Home may merge with new owners You might retire down in Florida Our Funeral Trust doesn’t specify any particular funeral home. This trust can be used with any funeral home at time of death. WE OFFER FLEXIBILITY! 16

Case Study #1 1035 EXCHANGE Old Policy – Face Value - $10,000 Cash Value - $ 9,750 Policies with Face Values of more than $1500 is a “Countable Asset”. 1035 old policy to Funeral Trust. Now Money is Protected. (Exempt asset) 17

Case Study - #2 Crisis Case – Client is already in an institution. Example: Age 85 – Female $10,000 remaining in bank acct. Two Choices – Spend $ 8000 on Nursing Home Save $8000 with Funeral Trust YOU CAN USE A POWER OF ATTORNEY IF CLIENT IS UNABLE TO SIGN. 18

Boost Your Income with The Funeral Trust CALL DELCO BROKERAGE SERVICES During the last 3 weeks I made more than I could believe. GREAT Product! CALL DELCO BROKERAGE SERVICES WRITE (3) CASES PER MONTH AND EARN HUGE COMMISSIONS A case being a husband and wife. $10,000 per trust X 6 = $60,000 premium Average age - 72 Commission = $ 7,800+ per month. START SELLING THE FUNERAL TRUSTS INCREASE YOUR MONTHLY INCOME BY $7800.00 19

DO IT TODAY… COMPLETE YOUR CONTRACTING Turn in your contract 2. Receive our entire marketing program Access to Website Direct Mailers Annual Review Letter Power Point Presentations Turn-Key Marketing DELCO BROKERAGE DO IT TODAY… COMPLETE YOUR CONTRACTING