1. Disability Insurance – 101 Protecting your Paycheck Issue Ages 30 – 60 FHC - Carriers Ameritas Life Principal Financial Group Standard Life

2. Disability Benefits Disability is a health product Benefits are coordinated with any employer benefits Benefits will be offset by any employer benefit Benefits are approximately 60% of income

3. Plans & Occupations Benefit Periods: 2, 5, & 10 years & Age 65 & Age 67 Most Common 10 years 7 age 65 Occupational Class 6A, 5A Executive Classes 4A, 3A Middle management 2a, A Normal involved some labor with the job

4. Optional Riders Residual Rider – Partial Disability Benefit Increase Option – Benefits will increase with justification of income True Occupation – Double Dipping of benefits Inflation rider will increase you monthly benefit Catastrophic Disability Benefit - A S/T - LTC plan

5. Additional Disability Plans Overhead expense plans Buy-Sell Disability plans Key man Disability plan (Non-Owner) (PFG) Retirement Security Plan – Protects your 401 Plan Multi-Life Discount –All carriers Business Owner Discount

6. Prospecting Options Supporting files Video’s http://bcove.me/jvh395k8http://bcove.me/jvh395k8 First Heartland – Sales contest - $100.00 per application with Standard Life Please feel free to contact me with any questions bmaruska@firstheartland.com or 636-695-2826 bmaruska@firstheartland.com