2. Tele-Application We will cover three important questions: 1.What is it? 2.Why use it? 3.How does it work?

3. What is the Tele-Application? It is a total application process that is completed (in-full) over the phone by you, your client and the Tele-Underwriter It is not a drug screen or prequalification call There is no paper application except a replacement form if/when necessary It is a recorded conversation A computer-generated application is created and attached to the issued policy

4. What is the Tele-Application? It is a simplified underwriting process The process takes approximately 15 to 20 minutes from start to finish, after you make the sale IT IS AN INSTANT-ISSUE MEDICARE SUPPLEMENT POLICY

5. Why Use the Tele-App? You and your client get immediate results with a policy # You complete the process now and in real-time, eliminating wasteful follow-up time…There is none! You save time and money Helps create a “selling over the phone” business model Provides a better return on your time Immediate issue means you get paid FAST

6. How Does It Work? 1)Make the sale! 2)Qualify your client 1)Be familiar with the actual application. 2)Applicants applying during Open Enrollment or Guaranteed Issue periods, do NOT need to answer the HEALTH QUESTIONS 3)Applicants not considered to be in Open Enrollment or Guaranteed Issue periods need to answer all HEALTH QUESTIONS. 3)If you feel the client qualifies, then call 888-352-5109 4)Tele-Underwriter takes over the call and completes the process 5)If the policy is approved, a policy # is issued 6)You are on to the next sale! Fax Replacement Forms to: 385-207-7875

7. BEFORE calling Tele-Underwriting make sure you have done the following: Make and close the sale! Read all required statements and disclosures to the client Have your client confirm to you they understand all forms If face-to-face, leave the required forms If over the phone, confirm you will mail or email all required forms Underwriting will ask! Tele-Application After you close the sale and before you call

8. Tele-Application After you close the sale and before you call Tele-Application Hours of Operation 12 hours to call Monday through Friday 9:00am to 9:00pm EST 8:00am to 8:00pm CST 7:00am to 7:00pm MST 6:00am to 6:00pm PST (Friday office closes 1 hour early) Phone Number 888-352-510909

9. Prepare your client! The Tele-Underwriter asks for and verifies the following:  Applicant’s name  City and state the application is taken in  Confirms you are appointed and licensed to sell in that state  The effective date  The bank draft date  If the policy should be sent to you or the client  The name of the carrier you are replacing  Important statements to be read Tele-Application After you close the sale and before you call

10. Make sure your client has:  Social Security number  Medicare number (Medicare Card)  Banking information (bank book or copy of a check with all #’s) EFT is required for Tele-Application  Replacement information (company name, policy # and paid to date)  Bank draft date (the draft date agreed to)  Medications  Doctor information (address and phone number)  Read Important Statements (Page 4 of the application) Tele-Application After you close the sale and before you call

11. Make sure the client can hear and understand Make the call to the Tele-Underwriter at 888-352-5109 Advise the underwriter if you think there is an issue Hand phone to client If a “3-way” call, introduce your client Tele-Application Now it’s your client’s turn

12. The Tele-Underwriter:  Introduces themselves  Advises the client it will be a recorded call  Asks all the questions on the application (including medical if needed)  Asks for permission to do a prescription check (verbal yes queue)  Asks if the disclosure was read and about required forms  Completes the entire underwriting process in about 15 to 20 minutes  When complete, asks to speak to you again Tele-Application Now it’s your client’s turn

13. The Tele-Underwriter provides you:  A formal decision  Verifies the effective and draft dates (try to pick up initial draft now)  A policy number, if approved Policy is effective immediately or on the client’s chosen effective date Policy is then mailed to the client or agent (your choice) Tele-Application Now it’s back to the agent

14. Policy is completely issued over the phone Coverage is vested and policy number is given – 100% result Agent saves on EVERYTHING…You can sell over the phone! You can still use paper applications Copy of Tele-App taken is issued in their policy COMMISSIONS PAID FAST No follow-up needed and you go to your next sale! The Tele-App Process In review

15. Loyal Christian Benefit Association Administrative Office Policy Owner Services: 877-358-4051 Tele-Underwriting: 888-352-5109 Agency Services: 888-352-5108 New Business Fax: 385-207-7875 PO Box 3090 Salt Lake City, Utah 84110