1. LAURA MADSEN & GIULIANO SAVINI Account Executives October 2017
Fast and Full Workshop
LAURA MADSEN & GIULIANO SAVINI
Account Executives
October 2017
Thank you for viewing the Fast and Full Workshop tutorial. I am Laura Madsen, the Account Executive for the Toronto area and during this presentation I will tell you the benefits of using Empire’s Fast and Full application.
Going to talk to you today about a market that is currently underserved in today’s marketplace which is Generation X and Generation Y
Insurance Companies have realized that we need to embrace a multi channel approach to help satisfy the younger generations need for convenience and better customer experience. So I will talk to you about how Empire is trying to reach the younger generation.
The perception of life insurance is perceived as time consuming, expensive and all together overwhelming but the truth is life insurance has never been more affordable.
We are trying to make a real effort in serving this market better and make the process easier and faster.
FOR ADVISOR USE ONLY

2. Why Choose Fast and Full Selling Tools Empire’s Social Media Tools
Agenda
Why Choose Fast and Full
Selling Tools
Empire’s Social Media Tools
Thank you for viewing the Fast and Full Workshop. I am Laura Madsen, the Account Executive for the Toronto area and during this presentation I will tell you the benefits of using Empire’s Fast and Full application.
Inform you about selling tools such as our Advisor Referral Program, our Pitchbook and selling non face to face and an upsell opporotunity
Look at our Social media tools that can help you reach new prospects
And Angie Orpwood, Regional Sales Associate will walk you through a demo of how easy the process works. 2

3. The Fast & Full Life App.
Insurance Companies have realized that we need to embrace a multi channel approach to help satisfy the younger generations need for convenience and better customer experience.
The perception of life insurance is perceived as time consuming, expensive and all together overwhelming but the truth is life insurance has never been more affordable.
Empire is trying to make a real effort in serving this younger generation better and making the process easier and faster. 3

4. The largest group researches online and wants to speak to an advisor
Look online and talk to an agent
So just to give you some background on the current way clients look to make a purchase for insurance
a large number of consumers still want to talk to an agent. Whether that be over the phone or face to face before making a purchase. There is still a group of consumers that want advice and a relationship with their financial advisor.
18% look on-line and purchase on-line
31% use the traditional avenue-advisor only
51%
Source: Consumer Internet Use for Retail Insurance, LIMRA, 2015. 4

5. Fast & Full Application Process 40% apps issued in under 10 days
40% apps issued in under 10 days
eHQ apps issued in 6 days (2016 avg) compared to paper in 30 days
e-signature, e-payment, e-contract & instant approval available2
Some of the great benefits of using this application process is simply that it can help you as an advisor get paid quicker.
By using this application process 40% of applications are issued in under 10 days.
There is a possibility for an instant approval for applications that fall into the non-medical requirements and the underwriting questions have been answered. These applications were issued in 6 days vs the paper process where the average is 30 days.
We have e-signatures (so no wet signature is required except for policy delivery receipt), e-payment and our newest release is the e-contract.
Just to give you an example of how quickly an application can be processed. I will tell you of my own personal experience:
-tell Ollie’s story

6. Non-Face-to-Face Selling
What is Non-Face-to-Face (NFTF) Selling ?
Is when an Advisor conducts a sales interview with a prospective client using the internet and a phone.
Key Benefits
Reach a greater number of clients that you can’t reach in person due to distance or scheduling
Speed up the entire sales process. Speed and convenience are the key benefits to the client, which in turn results in higher customer satisfaction.
You also have the opportunity to complete NF2F sales.
NF2F is when the sales experience takes place over the phone enhanced by a shared online experience.
Think of that existing client that has moved to another city. You can update and top up coverage with one call versus multiple road trips.
Or the small term sale that you drive across town to complete just because she is the niece of one of your largest clients.
NF2F can be a game changer 6

7. Fast & Full – Upsell Opportunity Prototype
$23.18
$11.88
We have a built in CI upsell feature within the on-line application.
Based on the insurance coverage being applied for it will prompt for a specific amount of CI coverage. This CI coverage is our CI Protect, which is the 4 major illnessess. Cancer, Heart Attack, Stroke and Coronary ByPass Surgery.
This gives you the opportunity to offer this CI protection and the client can decide if they would like to add this protection. Even if the clients don’t want to select this particular coverage you can also have the discussion around our CI Protect Plus, which is a more comprehensive coverage.
One of the reasons I like this feature is that it also covers you for compliance. You have record of discussing the CI coverage as they either have to accept or decline the coverage.

8. Advisor Referral Program
ARP Advisors submit a personal Bio that client prospects can review when seeking a quote or to connect with an advisor. 8

9. Fastandfull.ca/client-resources
The Client Pitchbook
Fastandfull.ca/client-resources

10. Educating consumers about life insurance through Social Media
Insuring with Care™ – our Insurance blog produces bi-monthly relevant content to answer common consumer questions
Sign-up for our blog and link to our content 10

11. Educating consumers about life insurance through Social Media
Facebook and Twitter feeds to provide Life Insurance content you can link to for your clients
Like Us on Facebook or Follow Us on Twitter facebook.com/pages/Empire-Life-Insurance/ twitter.com/empirelifeins 11

12. Educating consumers about life insurance through Social Media
Engaging and Educational Videos available on YouTube (viewers are anywhere from 64-85% more likely to buy after watching a product video) source: Kissmetrics
Add links to our videos to your website or
Subscribe to the Empire Life YouTube channel 12

13. Fast & Full Investment: Introduction Webinar
GIULIANO SAVINI
Account Executive
August 2017

14. segregated fund products*
The industry’s first and only 100% digital application for independent financial advisors for all
segregated fund products* 14
*Empire Life industry survey as of June 2017

15. Key Features of Fast & Full Investment App
Easy 5 step 100% digital process (Docusign)
Available for all Empire Life segregated fund products
Available for all tax types
Non Face-to-Face sales (Registered & TFSA)
Automated T2033 transfer process
One-Time PAD deposits
Available 24/7
fastandfull.ca/investment 15

16. Key Feature Review: Easy 5 Step 100% Digital Process
5 Easy Steps
Owner Information
Product Information
Beneficiaries
Initial Deposit / Investment Details
eSignature 16

17. Key Feature Review: All Seg Fund Products and Tax Types
All Empire Life Segregated Funds!
75/75
75/100
100/100
Class Plus 2.1
All Available Tax Types!
Registered (RRSP, LIRA, RRIF, LIF)
TFSA
Non-Registered 17

18. Key Feature Review: Non Face to Face Seg Fund Sales18

19. Key Feature Review: Automated Transfer Process & PAD19

20. Why use the Fast & Full Investment App?
REDUCE administrative work
Serve MORE clients
Get applications processed FASTER 20
Advisor Use Only

21. Reduce Administrative Work
T2033 transfer forms completed online and submitted by Empire Life
Practically eliminates Not In Good Order (NIGO) follow ups from customer service
Eliminates sending any paper applications, forms, and cheques via courier 21
Advisor Use Only

22. Serve More Clients
Non Face-to-Face sales expand sales reach (registered only)
Spend more time selling and less time completing applications
Available 24/7! 22
Advisor Use Only

23. Applications Processed Faster
Same-day trade date before 4pm
No mail/courier delays
Get paid faster! 23
Advisor Use Only