(insert name & title)

ZipApp ™, is SBLI’s streamlined drop ticket solution providing multicarrier quote access In just three simple steps, you can get business done (and get paid) faster No meddlesome paperwork, no paramed scheduling, no stress 2

ApplicInt –Founded in 2003 to provide better automation and technology for the insurance industry –Provides a unique multicarrier quote and drop ticket platform –Supports a streamlined end-to-end application process 3

 Completes Part 1 and 2 of the application packet  Captures signature(s): either voice, electronic or wet  Schedules exam  eSubmits application to SBLI  Application reviewed for underwriting decision  If approved, policy delivered Agent Fulfillment Center SBLI New Business  Selects product and rate class and provides a quote  Prepares client for interview with the fulfillment center and exam  Completes the ZipApp Ticket  Checks status 4

 Promote availability of ZipApp, your new multi- carrier quoting and drop ticket platform, to your agents  Watch your sales grow! Get Set Up Offer to Agents Watch the Business Flow  Contact ApplicInt to get set up and your personalized drop ticket link for your agency website 5

 Access ZipApp  SBLI Level Term: 10,15, 20, 25, or 30 years  SBLI Whole Life: Continuous and Limited Pay  Available for all states except New York and Montana  Enter the client’s information  Explain the next steps to the client outlining the fulfillment interview and paramedical exam process (vitals & specimens only)  All required fields must be completed  Ticket submitted to the fulfillment center Agent enters client information on ZipApp Licensed Agent determines product & rate class for client Tickets submitted electronically to fulfillment vendor 6

 Part 1 and Part 2 application packet completed and signatures (voice or electronic) captured  Exam (vitals and specimens only) scheduled at client’s preferred location (home, office, or fulfillment center branch office)  Application reviewed by SBLI Underwriting  Underwriting decision reached  Outcome communicated to Agency SBLI New Business Review Paramedical exam scheduled Telephone interview Submits application to SBLI Fulfillment vendor contacts client  Client contacted within 24 hours  Up to 5 additional follow-ups are attempted  Application packet sent to SBLI Underwriting 7

Existing Agency Onboarding* –Modify approved carriers within agency and user profiles by adding SBLI as a preferred carrier New Agency Onboarding* –Contact ApplicInt at (775) or USA.com to request USA.com –Registration completed and agency specific URL and icon provided –Communicate new ticket option to all your agents and brokers with our promotional materials *Single sign-on capability available. Contact Carrie Alexander, SVP Marketing at ApplicInt for further instructions. 8

Product Selection 9

The Quote Engine and Health Assessment ( via the Rate Analyzer if required) 10

Client Data Entry 11

Final Ticket Submission 12

Ticket Status Application Status 13

Video Support materials −GA/Producer Guide −Agent Promotional Materials −Quick Reference Guide −Client Preparation Guide −Paper Worksheet 14

Questions? For the education of producers/brokers only. Not for use with the public. The Savings Bank Life Insurance Company of Massachusetts, Woburn, MA. Products and features may not be available in all states. © 2015 All rights reserved. NAIC # /09/15