1. Advantage & Advantage - 50 Plus Final Expense Products
World Financial Group
Agent Training
Advantage & Advantage - 50 Plus
Final Expense Products
For Agent Use Only. Not For Public Distribution.

2. For Agent Use Only. Not For Public Distribution.
Who is IA American?
In Business Over 100 Years
Waco, TX – Home Office
Experienced in Final Expense – 15+ Years
Knowledgeable Employees – Average Tenure 17 Years
Agent Friendly Company
A.M. Best Rating: A (Excellent)
Owned by Industrial Alliance (Quebec City)
For Agent Use Only. Not For Public Distribution.

3. For Agent Use Only. Not For Public Distribution.
IA Contact Information
Underwriting: Agents should contact IA American directly
Enter Prompts 1, 1, 1
Policyholder Service: Agents/Clients should contact IA American directly
Enter Prompts 1, 1, 7
Submitting New Business:
Fax directly to IA American at
Upload scanned applications -
Mobile (electronic) applications –
General Product Questions - IA American Agent Hotline:
Enter Prompts 1, 1, 2
For Agent Use Only. Not For Public Distribution.

4. Commissions & Advances
IA American pays both commissions & advances directly to WFG’s Home Office. In turn, WFG’s Home Office will pay the agents.
Please direct ALL commission/advance related questions to the WFG HOST at , Option 3 (be sure to have the IA American policy # handy).
Please Note: Some commissions are paid as earned (referred to as controlled business):
Commissions are paid as earned on applications you write on your life or that you are owner or payor.
Commissions are paid as earned if initial premium payment is by money order.
Commissions are paid as earned if the policy premium is paid via direct monthly bill.
For Agent Use Only. Not For Public Distribution.

5. For Agent Use Only. Not For Public Distribution.
Advantage - 50 Plus
(Ages 50-85)
For Agent Use Only. Not For Public Distribution.

6. Death Benefit Paid Equals:
Product Overview
Issue Ages (Age Last)
Minimum Coverage - $5,000
2 Death Benefit Plans Determined by How Health Questions Are Answered:
Death Benefit Plan
Issue Age
Max Coverage
When Death Occurs:
Death Benefit Paid Equals:
Immediate
50-75
$50,000
At any time
Full Face Amt
76-85
$25,000
Return of Premium *
50-64
During the 1st 3 policy years
Premiums paid + 10% interest
After the 3rd policy year
Full Face Amt of Policy
65-85
During the 1st 2 policy years
After the 2nd policy year
* If cause of death is Accidental (rather than by natural causes), then 100% of the policy face amount is paid.
Agent Use Only: Not for public distribution

7. Determining Eligibility
Applicant’s answers to the health questions on the application determine which death benefit plan to apply for:
Questions:
Any “Yes” Answers:
All “No” Answers:
1 - 3
Not eligible for coverage (do not submit application)
Proceed to determine appropriate death benefit plan
4 – 10
Applicant should apply for Return of Premium death benefit plan
Applicant should apply for Immediate
Agent Use Only: Not for public distribution

8. Advantage - 50 Plus Plan Determination
Suggestion: Always check this box to avoid the need for an amendment if the applicant’s health requires a change from Immediate to the ROP Death Benefit Plan.
For Agent Use Only. Not For Public Distribution.

9. Advantage - 50 Plus Riders
Grandchild Rider (also covers Great Grandchildren)
Provides $5,000 (per unit) on each grandchild through age 20.
Available in 1 or 2 units
Convertible to an individual policy for up to $25,000 (Guarantee Insurability).
$12.00 per grandchild per year/unit selected.
In the event of the Death of the Primary Insured, the coverage under this rider will be “Paid Up” *
Children’s Insurance Agreement (CIA)
Provides $3,000 per unit (max of 2 units) on children until age 25 or Primary Insured’s turns age 65.
Convertible at a rate of up to 5 times the CIA coverage.
$8.50 per unit per year.
Available on Primary Insured ages 50 to 60
Available on children from age15 days to 17 years.
Not available on the Return of Premium (ROP) Plan
* This Feature is only available on the Immediate Death Benefit Plan (Rider Form # 3131)
For Agent Use Only. Not For Public Distribution.

10. Advantage - 50 Plus No-Cost Riders
Terminal Illness Accelerated Benefit Rider:
Can receive up to 100% of the death benefit when the Insured has a life expectancy of 24 months or less
Accelerated Benefits Rider - Confined Care *:
Full Time, Permanent Residence in Nursing Home
Fixed Monthly Payment of 5.0% of face amount
* Available only on the Immediate Death Benefit Plan. Not available in: CA, CT, DC, FL, or SD
For Agent Use Only. Not For Public Distribution.

11. Advantage - 50 Plus Underwriting
No medical exams or blood work required
You field underwrite the application
Consult Agent Guide for Build Chart, Impairment Guide, and Medication Guide
Medical Telephone Interview by Apptical – Required on all sales except for ROP
Point-of-Sale Decision on Plan (Death Benefit) Qualification
Translators available in multiple languages
Medical Information Bureau (MIB) and Pharmacy Database are automatically Checked
For Agent Use Only. Not For Public Distribution.

12. Field Underwriting Tools
in Agent Guide
Medication Guide
Impairment Guide
Build Chart
For Agent Use Only. Not For Public Distribution.

13. Agent Guide Medication Listing
Common Use(s)
Rx Fill Criteria (if applicable)
Plan Recommendation
Medication
Common Uses
RX Fill Within
Plan Eligibility
Symbicort
Asthma
N/A
Immediate
COPD/Emphysema/Chronic Bronchitis
2 years
> 2 years
Return of Premium

14. Agent Guide Impairment Listing
Criteria
Plan Recommendation
Indicates Question # on Application
Condition/Concern
Criteria
Plan to Apply For
Question on App
Kidney Failure
Medically diagnosed, treated, or taken medication for
Return of Premium 5

15. Final Expense Agent Guide: Build Chart
Maximum Weight for Plan
Minimum Weight for Plan
Ht.
Immediate
ROP*
ROP**
4’10’
211 92
4’11”
218 94 5’
225 96
5’1”
233 99
5’2”
241
101
5’3”
248
105
5’4”
256
107
5’5”
264
110
5’6”
273
112
5’7”
281
116
5’8”
289
119
5’9”
298
123
5’10”
307
126
5’11”
315
131 6’
324
135
6’1”
334
139
6’2”
343
142
6’3”
352
146
6’4”
361
149
* Above the weight on the high end of this range is a decline
**Below the weight on low end of this range is a decline

16. For Agent Use Only. Not For Public Distribution.
The Agent Guide:
Has ALL the Answers!
Behind Step 3
Read it…Keep it Handy !
For Agent Use Only. Not For Public Distribution.

17. States With No Plan Approvals
The Immediate and ROP Death Benefit Plans are currently not available in the following states:
State
Immediate
ROP
Maine No
Montana
New York
South Dakota
Yes
See Agent Guide for complete list of state-specific requirements.
For Agent Use Only. Not For Public Distribution.

18. Telephone Interviews ALWAYS Complete at Point-of-Sale
Complete as part of the normal sales process
Call Apptical using Toll Free Number on Application
All Interviews are Recorded
Identify yourself as the agent, IA American as the Product provider, and the Product (Advantage or Advantage - 50 Plus)
If you are conducting a remote sale over the phone, respond “Yes” when Apptical asks if you are conducting a 3-way call with your client
Applicant completes the interview with Apptical on their own
Plan Recommendation Provided by Apptical (Immediate or ROP)
Apptical transmits results of interview to IA Home Office
Insert the Case # Provided by Apptical
on Application
NOTE: No Phone Interview required if applying for ROP
For Agent Use Only. Not For Public Distribution.

19. For Agent Use Only. Not For Public Distribution.
Telephone Interviews
Apptical
7:30 am – 1:00 am
Monday thru Friday CT
9:00 am – 9:00 pm
Saturday & Sunday CT
For Agent Use Only. Not For Public Distribution.

20. Determining Premium Draft Date
To Bind Coverage Immediately:
Check the option “E-Check Immediate 1st Premium” in the CWA (Cash With Application) field on page 1 of the application.
Selecting this option requires completion of Form 9903-WFG, which must be submitted with the application.
Plus complete the “Preauthorization Check Plan” fields on Page 2 of the application.
Ask client to confirm funds are in the account to avoid delays, and if they have a preference as to which specific day of the month subsequent drafts should occur. You can insert that day on page 2 of the application in the “Requested Draft Day” field.
For Agent Use Only. Not For Public Distribution.

21. Determining Premium Draft Date
To Select a Future Date for Premium Draft:
Check “Draft 1st Premium on Requested Date” in Mode field.
Insert desired date in “Requested Policy Date” field (this will be the date the 1st premium will be due).
Complete the “Preauthorization Check Plan” fields on Page 2 of the application. If client has a preference as to which specific day of the month recurring drafts should occur, insert that day in the “Requested Draft Day” field.
IA drafts the first premium on the “Requested Policy Date” and thereafter on the requested draft day.
For Agent Use Only. Not For Public Distribution.

22. Determining Premium Draft Date
No Preference Regarding Timing of Premium Draft:
Check “Bank Draft” in Mode field.
Leave the “Requested Policy Date” field blank (Policy Date will be based on date of issue).
Complete the “Preauthorization Check Plan” fields on Page 2 of the application. Leave the “Requested Draft Day” field blank.
IA drafts the first premium on the date the policy is issued. Subsequent drafts will occur on the same day each month thereafter.
For Agent Use Only. Not For Public Distribution.

23. Preauthorization Check Plan Fields
Completing the
Preauthorization Check Plan Fields
Located at the bottom of Page 2 of the Application
Indicate the Requested Draft Day (if one is preferred)
Initial draft must occur within 30 days of the signature date
Drafts cannot occur on the 29th, 30th, or 31st
Attach a voided check or deposit slip (preferred)
If your client cannot provide a void check or deposit slip to submit with the application, you must complete the “Bank Account Verification” section of Form 9903-WFG.
For Agent Use Only. Not For Public Distribution.

24. Option For Drafts To Coincide With Receipt Of Social Security Payments
On the “Requested Draft Day” line of the “PREAUTHORIZATION CHECK PLAN” on the back page of the application, you will need to list one of the indicators below:
“1S” – if payments are received on the 1st of the month
“3S” – if payments are received on the 3rd of the month
“2W” – if payments are received on the 2nd Wednesday of the month
“3W” – if payments are received on the 3rd Wednesday of the month
“4W” – if payments are received on the 4th Wednesday of the month
The “Policy Date Request” field on the front of the application should not be completed as the actual Policy Date will be assigned by the Home Office once the application is received.
If writing the application on Mobile, check “Check here for date on approval” on the Quote screen.
For Agent Use Only. Not For Public Distribution.

25. For Agent Use Only. Not For Public Distribution.
E-Check
Advise your client that their account will be drafted immediately upon receipt of the application...future drafts will ONLY occur if the policy is issued and will be based on the next premium due date and requested draft day.
The E-Check Bank Draft Authorization section (found at the top of Form No WFG) should be completed & this form submitted along with the application.
Advise your client to insure funds are in the account so that all processing continue without any problem.
If your client wants subsequent drafts to occur on a specific day of the month, no problem! Just provide that information in the Preauthorization Check Plan found on the bottom of page 2 of the application.
For Agent Use Only. Not For Public Distribution.

26. California Agents Don’t forget these required forms !
Notice of Lapse Designee Form No must be completed and sent to the Home Office along with the life application.
California Senior Notice Form No must be completed and sent to the Home Office along with the application on sales to clients age 65 or older.
California Notice Regarding Sale and Liquidation of Assets Form No must be completed and sent to the Home Office along with the application on sales to clients age 65 or older.
For Agent Use Only. Not For Public Distribution.

27. REMINDERS
Ask ALL the health questions before calling Apptical for an interview.
E-Check – Drafts IMMEDIATELY for the initial premium. Ask your client to confirm funds are in the account to avoid delays, and if they want subsequent drafts to occur on a specific day of the month you can insert that date on page 2 of the application
Don’t forget to send both pages of the application (and any other required forms) when submitting to IA American.
All “No” answers on EVERY application is NOT necessarily good thing (because it suggests that the agent did not spend adequate time reviewing the health questions).
Read Your Agent Guide!!! It has all the ANSWERS!!
For Agent Use Only. Not For Public Distribution.

28. AGENT WEBSITE www.everestfuneral.com/wfg-us
Step 1
Submit an on-line contract with IA American
Step 2
Everest Tool Kit
Everything you need to know about Everest
Step 3
Life Insurance Tool Kit
Everything you need to know about Advantage Products
Training PowerPoint Presentation
Agent Guide located here
Online Quoting Tool plus Pre-Calculated Quoting Sheets
State-Specific Applications and Forms
And More…..
Step 4
Instructions for Submitting Applications to IA American
For Agent Use Only. Not For Public Distribution.

29. For Agent Use Only. Not For Public Distribution.
Advantage
(Ages 0-49)
For Agent Use Only. Not For Public Distribution.

30. Death Benefit Paid Equals:
Product Overview
Issue Ages 0-49 (Age Last)
Minimum Coverage - $5,000
2 Death Benefit Plans Determined by How Health Questions Are Answered:
Death Benefit Plan
Issue Age
Max Coverage
When Death Occurs:
Death Benefit Paid Equals:
Immediate
0-49
$50,000
At any time
Full Face Amt
Return of Premium *
18-49
$25,000
During the 1st 3 policy years
Premiums paid + 10% interest
After the 3rd policy year
Full Face Amt of Policy
* If cause of death is Accidental (other than by natural causes), then 100% of the policy face amount is paid.
Agent Use Only: Not for public distribution

31. Determining Eligibility
Applicant’s answers to the health questions determine which death benefit plan to apply for:
Questions:
Any “Yes” Answers:
All “No” Answers:
1 - 6
Not eligible for coverage (do not submit application)
Proceed to determine appropriate death benefit plan
7 – 9
Applicant should apply for Return of Premium death benefit plan
Applicant should apply for Immediate
Agent Use Only: Not for public distribution

32. Advantage Underwriting
No medical exams or blood work required
You field underwrite the application
Consult the Agent Guide for Build Chart, Impairment Guide & Medication Guide
Telephone Interview Required for ages only
Complete at the Point-of-Sale
Translators available in multiple languages
IA reserves the right to order Interview on other ages
Medical Information Bureau (MIB) and Pharmacy Database are automatically Checked
For Agent Use Only. Not For Public Distribution.

33. Field Underwriting Tools
in Agent Guide
Same Items as Advantage - 50 Plus
Medication Guide
Impairment Guide
Build Chart
Customized for the Advantage Plan
For Agent Use Only. Not For Public Distribution.

34. For Agent Use Only. Not For Public Distribution.
Advantage Plan Riders
Children’s Insurance Agreement *
Provides $3,000 per unit (max of 3 units) on children until age 25 or Primary Insured is age 65
Convertible at a rate of up to 5 times the CIA coverage
$8.50 per unit per year
Available on Primary Insured ages 15 to 49
Available on children from age 15 days to 17 years
* Not available with Return of Premium (ROP) Plan
For Agent Use Only. Not For Public Distribution.

35. Advantage No-Cost Riders
Terminal Illness Accelerated Benefit Rider:
Can receive up to 100% of the death benefit when insured has a life expectancy of 24 months or less
Accelerated Benefits Rider - Confined Care*:
Full Time, Permanent Resident in Nursing Home
Fixed Monthly Pmt of 5.0% of face amount
* Available only on the Immediate Death Benefit Plan. Not available in: CA, CT, DC, FL, or SD
For Agent Use Only. Not For Public Distribution.

36. For Agent Use Only. Not For Public Distribution.
3rd Party Payors
We do not accept Advantage applications when a 3rd Party Payor is involved and the applicant is age 30 to 49
Defined as a premium payor other than the primary insured, the spouse, or a business or business partner
Examples would include brothers, sisters, in-laws, parents, grandparents, aunts, uncles, and cousins
This rule does not apply on Advantage – 50 Plus (ages 50-85)
Why do we have our 3rd Party Payor rule?
Anti-selection
Adverse claims experience
Poor persistency
For Agent Use Only. Not For Public Distribution.

37. Submitting Applications
Three Convenient Ways to Submit Applications
Use the Mobile E-Application (Face to Face & Remote Sales):
Go to and submit new business electronically.
Use AppDrop (Applications Completed on Paper):
Go to and upload a scan of your new business application.
Attach Cover Page and Fax to (254)
For Agent Use Only. Not For Public Distribution.

38. For Agent Use Only. Not For Public Distribution.
Mobile E-Application Face to Face & Remote Sales
Features
Ensures applications are in good order and eliminates incomplete apps
Reduces processing delays
Functionality
The application is completed and the client signs electronically using their finger, stylus or by using the for signature option
Partially completed applications can be saved and returned to later
Attach and send images of supplemental documents such as voided checks
Transmit applications with the click of a button
For Agent Use Only. Not For Public Distribution.

39. For Agent Use Only. Not For Public Distribution.
Mobile E-Application Face to Face & Remote Sales
Requirements
Designed primarily for use on a tablet device
Compatible with iOS, Android and Windows operating systems
Internet connection at the point of sale
Getting Started
Visit go to the New User link and register within minutes
Bookmark the site on your device for future access
Say “good bye” to paper!
For Agent Use Only. Not For Public Distribution.

40. Mobile E-Application Face to Face & Remote Sales www
Mobile E-Application Face to Face & Remote Sales
Step 1 – go to website and complete “Self Registration” process
“Login ID” is 5 + WFG Agent Number (6 characters)
Write down the password you create for future use
Step 2 – select “New Application” from the main menu to begin writing the app
Step 3 – follow the on-screen instructions & enter the application information
Step 4 – client can sign the application now or it can be saved to be signed later
Step 5 – once app is signed by client, click “Transmit” to send to IA American
For Agent Use Only. Not For Public Distribution.

41. Mobile E-Application Face to Face & Remote Sales www
Mobile E-Application Face to Face & Remote Sales
2 Methods for Obtaining Signatures
Sign on the Screen
Applicants sign on the screen using a stylus or their finger.
for Signature
s will be sent to all parties who need to sign the application.
A link in the directs to a secure website where the application is reviewed and the electronic signature is added (the site is accessible only by entering the last 4 digits of that person’s (signee) Social Security Number).
Agent is sent an notification once the app is signed.
For Agent Use Only. Not For Public Distribution.

42. For Agent Use Only. Not For Public Distribution.
Questions???
For Agent Use Only. Not For Public Distribution.