2. Are your funds protected? Final Expense Planning

3. Consider This... Most significant events in our lives require planning; you rarely just let them happen.

4. Someone will need to determine services and pay the bill. The question is who and when: - The deceased prior to death? - The survivors afterward? As a consumer, you have two choices: - Plan and pay for the funeral (Preneed) OR - Pay for the anticipated expenses (Final Expense) Funeral and Final Expenses Aren’t any Different...

5. How Much Does a Funeral Cost? *According to the National Funeral Directors' Association 2009 study (These numbers do not include cemetery, monument/marker costs or miscellaneous charges, such as for flowers or obituaries. ***Cemetery costs vary by location and can range anywhere from $500 - $20,000 or more. Source: Cost of an Average Funeral/eHow.com/ Professional Services$1,817 Embalming/ Cosmetology $628 Memorial Service $670 Transfer of Remains to Funeral Home $250 Hearse $275 Service Van $125 Use of facilities/Staff $450 Cemetery Charges$2,000** Casket (Metal)$2,295 Vault$1,195 Total $9,500 Today’s funeral costs more than you might think. Research shows the average adult funeral to be $9,500* If something happened to you yesterday, how would your funeral be paid for?

6. 1. Life Insurance: These are funds intended to be left to your family and may not be immediately available. 2. Personal Savings: These are funds for day-to-day living. In the event of a lengthy illness, they may have eroded significantly. 3. Credit card or loan: This approach leaves heirs in debt. 4. Family and friends: Borrowing from family and friends can be embarrassing as well as a financial strain to repay. Fortunately, there’s a better option... In the past, there have been four common ways to pay for a funeral:

7. NGL Estate Planning Trust A designated, prefunded plan that combines the financial stability of insurance with the security of a trust. Designed to pay funeral expenses first, with any excess paid to named beneficiary(ies).

8. So How Does this All Fit Together? NGL AssetGuard and the Estate Planning Trust Blends the financial protection of life insurance with the advantages of an irrevocable funeral trust. Allows you to plan ahead by permanently setting aside the funds your family will need for your final expenses. Using a trust may help prevent these funds from being counted as excess monies during Medicaid consideration after five years.

9. NGL Estate Planning Trust Protection from creditors Benefits are income tax-free Funds available immediately* Trust is FREE Everyone qualifies for trust assignment Death proceeds used for funeral expenses avoid probate costs and delays Funds totally portable *Upon submission of all required claim documentation. NGL Insurance Policy + NGL Irrevocable Trust = An Unbeatable Team NGL Insurance Policy + NGL Irrevocable Trust = An Unbeatable Team

10. How a Funeral Trust Works Some states may vary on Medicaid Rules and eligibility is not guaranteed; please consult an Elder Law Attorney in your state for assistance.

11. Fund Protection Estate Planning Trust Creditors Nursing Homes Probate Medicaid* - After 5 years *Some states may vary on Medicaid Rules and eligibility is not guaranteed; please consult an Elder Law Attorney in your state for assistance.

12. How the Trust Compares NGL’s Estate Planning TrustAnnuity Savings AccountCD Money Market Mutual Funds Proceeds avoid probate costs Yes Depends Federal Income Tax-free death benefits YesNo Free of market riskYesDependsYes No Principal guaranteed Yes No Defined growth rateYesDependsNoYesNo Funds protected from creditors YesNo No**No Excluded asset in order to qualify for Medicaid & SSI Yes*No No**No * Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorney in your state for assistance. ** Unless put into trust for funeral expenses.

13. Why NGL? 100+ Years of Financial Stability Over $3.3 Billion in Current Assets A- (Excellent) Rating from A.M. Best National Guardian Life Insurance Company Madison, WI Financials current as of 12/31/14 Ratings current as of 05/30/14

14. Get Started 3.Next Steps (OPTIONAL): –Basic: Complete a brief Planning Guide, provided compliments of NGL. Store this with your important documents. –Advanced: Meet with a local funeral home of your choice to discuss service options and personal preferences. Lump sum transfer from savings, CDs or Money Market accounts* Transfer funds from a pre-existing life insurance account* (1035 Exchange) Add to the fund in installments over a period of one year 1.Work with your licensed NGL Agent. 2. Establish your Trust-protected Final Expense Insurance Policy easily by: * Suitability rules apply.

15. You’ll rest assured knowing that: –Final Expense funds are set aside and protected –Costs won’t be passed on to family members –Any remaining funds will be paid to a named beneficiary(s) Trust is free: –NO fees –NO other professionals involved Funds totally portable (use any FH provider) Policies grow at a set % every year All backed by 100 year-old, A- (excellent) rated mutual insurance company with over $3.3B in Assets Why Consider this Product? Financials current as of 12/31/14 Ratings current as of 05/30/14

16. Insurance coverage provided by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with the Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life. EPTCON-BSP 02/15 www.nglic.com Final Expenses aren’t a question of “if”, but “when”. Do this today. You’ll be glad you did.

17. Thank you for coming. For more information, please contact: Final Expense Professional Insert Name Contact Information Here