Working with Businesses offering Foresters LIST BILL services Jared GostanczikAngela Wethor National Training Manager Director of Advanced Marketing Foresters USForesters US US (05/13) For Producer Use Only

Disclaimers This webinar is not written to be used and it cannot be used for the purpose of avoiding penalties that may be imposed on a taxpayer. Neither Foresters TM nor its Representatives engage in rendering legal, business, estate tax, accounting or tax advice. The information in this seminar is intended as a general overview. Please advise your clients to consult their individual tax or legal advisors regarding their specific situation. This report is not intended to provide advice regarding the sale or purchase of specific investments, financial or insurance products. Circular 230 All information is intended to be general in nature. All Foresters fraternal requirements need to be considered including the requirement that proceeds must benefit the Foresters member or his or her dependants. The information contained in this presentation is for information purposes only. There are other tools available to support your learning needs. You must ensure that you correctly represent, to a customer or prospect, the product features based on the actual wording of the applicable certificate and riders for your state. Foresters TM is the trade name and a trademark of The Independent Order of Foresters US (05/13) For Producer Use Only

Contents LIST BILL: the advantages Foresters support platform for working with clients using list bill services Foresters offering: Advanced Commissions program US (05/13) For Producer Use Only

The Advantages The high cost of insurance is forcing some employers to drop life insurance coverage or look for alternatives to providing group life coverage List Bill provides an opportunity for employees to purchase life insurance, without businesses funding the cost Additionally, payroll deduction through an employer provides a convenient and easy way for employees to obtain individual coverage Potentially, leading to consistent long-term business US (05/13) For Producer Use Only LIST BILL

List Bill Foresters Support Platform Foresters would like to support you as you work with businesses who want to offer an efficient convenient way for their employees to pay for their personal life insurance For employees who wish to supplement or replace their life insurance with a Foresters Life Insurance Certificate and pay life insurance premiums right out of their paycheck, Foresters has entered into an agreement with Capital Administrative Services (CAS) CAS will collect Foresters premiums via payroll deductions and remit payments to be applied to individual Employees life insurance contracts US (05/13) For Producer Use Only

List Bill Foresters Support Platform– how to submit business Getting Started: Go to Read all training materials including: –Listen and review Webinar (power point) recording –Review required Forms to set up a LIST BILL case –Review Foresters Application for Individual Life Insurance (Federal Employee or List Bill Only) US (05/13) For Producer Use Only

List Bill Foresters Support Platform To submit list bill business with Foresters, you will review 3 forms needed to set up Foresters List Bill cases: (found at –1. Foresters List Bill Services Pre-Approval Form; –2. Foresters List Bill Services Payroll Authorization Form; –3. Foresters List Bill Services Disclosure Form US (05/13) For Producer Use Only

Foresters Support Platform – List Bill Pre-Approval Form Form number US (02/13) LIST BILL

List Bill Foresters Support Platform – Foresters List Bill Payroll Authorization Form Form number US (02/13) US (05/13) For Producer Use Only

List Bill Foresters Support Platform – Foresters List Bill Disclosure Form number US (02/13) US (05/13) For Producer Use Only

List Bill Foresters Support Platform – for List Bill Cases STEP 1: Print off and complete the LIST BILL PRE-APPROVAL Form (note: to be considered for Foresters List Bill Services, a prospective business must have at least 3 issued, active Foresters Life Insurance Certificates) STEP 2: completed Foresters List Bill Pre-Approval Form to Foresters; STEP 3: Once approved, you will receive a confirmation of approval decision via within 3 business days US (05/13) For Producer Use Only

List Bill Foresters Support Platform – for List Bill Cases Step 4 IMPORTANT: Once Foresters approves your case, please contact CAS at A CAS representative will work with you to prepare you for the Employer meeting You and CAS will work with the Prospective Business to determine pay periods and payroll deduction schedules US (05/13) For Producer Use Only

List Bill Foresters Support Platform – for List Bill Cases STEP 5: Meet with individual Employees to discuss their life insurance needs STEP 6: Complete Foresters Application for Individual Life Insurance (Federal Employee or List Bill Only) and required forms. PLEASE NOTE: this is a different application than Foresters General Application for Individual Life Insurance Foresters Application for Individual Life Insurance (Federal Employee or List Bill Only) is found at: US (05/13) For Producer Use Only

FEGLI US (05/13) For Producer Use Only

List Bill Foresters Support Platform – for PROSPECTIVE BUSINESSES STEP 6: Complete the Foresters Application form –CAS and you will determine the Foresters Contract ISSUE MONTH. The ISSUE MONTH will be the 15 th of a future month depending on the Employees pay schedule. –CAS will collect at a minimum one months premium before remitting payment to Foresters, hence all Proposed Issue Dates must be at least a month (probably more) from the date of the application US (05/13) For Producer Use Only

List Bill Foresters Support Platform – for PROSPECTIVE BUSINESSES STEP 7: send to Foresters: –Foresters Application for Individual Life insurance (Federal Employee or List Bill Only) (and any other required forms); – Foresters List Bill Payroll Authorization Form (include the future contract ISSUE MONTH); NOTE: Each Employees application must have its own Foresters List Bill Payroll Authorization Form US (05/13) For Producer Use Only

List Bill Foresters Support Platform – for PROSPECTIVE BUSINESSES CURRENT STATES LIST BILL is offered: Florida Mississippi Louisiana California South Carolina US (05/13) For Producer Use Only

Foresters Offering: List Bill Cases – Advanced Commissions As part of our support, Foresters has developed an advanced commission process for Producers submitting List Bill Cases. For approved List Bill Cases, 40% of a Producers First Year Commission will be advanced upon approval of the individual applications. The balance of the advance paid upon receipt and processing by Foresters of the first premium (which may take four weeks). NMO principals must request Producers to be considered for the Advanced Commission process. Requests can be made by ing ForestersListBill.com or by the Request Form posted on the Foresters List Bill website US (05/13) For Producer Use Only List Bill

Foresters Support Platform Educational Materials –Webinars (live and recorded) –Advanced Marketing department support Materials can be found at: US (05/13) For Producer Use Only

Angela Wethor Director of Advanced Marketing Foresters US US (05/13) For Producer Use Only