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Single Premium Life Policy Funeral Trust Provided Issue ages 0-99 Guaranteed Issued Policy Medicaid Exempt in most states 1035 Exchanges One Page Application Easy and Simple to explain Great Commissions No Health Questions Issued by Unity Financial Life Hybrid Funeral Trust The Hybrid Funeral Trust Product by Unity

Unity Financial Life Insurance Company is a leading provider of life insurance products for the pre-need funeral funding industry and the insurance funeral trust business. The company was founded in 1964 and is headquartered in Cincinnati, Ohio. It is recognized as the fastest growing life insurance company in its market segments. Unity Financial Life, based in Cincinnati, Ohio, is a leader in the pre-need funeral funding market and the funeral trust market. It has been recognized by Inc. magazine for the last four years as the fastest growing privately owned life insurance company in America. Jay Hardy, VP

By Michael K. O’Dell How to Market to Existing Senior clients

To Your Client Mail Annual Review Letter to Your Senior Clients Invite them in to your office for an annual review

Much of Your Success will depend upon the relationships you have with your existing clients. Some agents do a very good job and some don’t. The ones that call for their annual reviews…set appointment The ones that don’t call, you call them…

What do I say when they come in for their Annual Review Appointment? Mr. and Mrs. Jones Mr. and Mrs. Jones, I wanted to thank you for coming in to our offices. I think it is important that we get together to review your financial and estate planning. How has the family been? That’s Great…Glad to hear things are going good for you. I would like to take some time to review with both of you so we are up to date.

First, I would like to review the fixed annuity that you have with our firm. The current value of this annuity is $213, and the issue date was 2/09/2004. We have done very well with this annuity and I just wanted to take the time that we have the correct beneficiaries on them. The Good News is that we have $ 21, that is under the Free withdrawal provision…meaning these funds are not subject to any penalties. We can talk about these funds later. Your Medicare supplement seems to be meeting your needs. Do you have any questions at this time on your Medicare supplement plan? Did you ever meet with the attorney to complete your legal documents on your estate planning? It shows in my file that you don’t have Long Term Care Insurance. Have you considered the benefits of long term care insurance? It seems that your mutual fund that you have with us is performing above average and at this time your account is at $194, as of today. I think we will stay the course for this investment. We started 3 years ago with $ 173,589.00, would you agree? I would like to make a few recommendations that we may want to consider since some of the Medicaid laws have changed. Let’s look at some of the issues

New Divestment Rules From 3 Years to 5 Years… To Qualify for Benefits - $ 2000 Life Insurance Exemptions - $1500 Funeral Trusts are Also Exempt Since You Folks Don’t have Long Term Care, We may want to do some additional Trust Planning…Let me Explain

Funeral Trust Another trust we may want to consider is a funeral trust. We can fund up to $15,000 in each of your trusts It’s Medicaid Exempt No Probate Handles Your final expenses Even if you go into the nursing home and spend all of your life savings, the funeral trust will be there. You can now apply for Medicaid and have the peace of mind that funds in this trust are Medicaid Exempt.

 Portable to any funeral home  Tax free benefits  You don’t have to go to the funeral home  Flexible planning with Trust  Medicaid Exempt  Crisis Planning  Pre-Planning

Annuity Free withdrawal $20,000 $10,000 Funeral Trust Set Up a Funeral Trust for each spouse at $10,000 Money could also come from 1035 Exchanges, Money Market, or cash.

Wouldn’t You agree Mr. and Mrs. Jones that adding this trust to your financial plan would give you the peace of mind? I have the forms right here from the annuity company to fund this trust with our Penalty Free withdrawal. Questions?

$1.25 Each, Plus Shipping…Delivery Folders

Helping Your clients with End of Life Planning