2. 1 The Plus Group A National Disability Brokerage Marketing Organization Excellence In Disability Insurance Brokerage

3. 2 ServiceOrganization Excellence in Disability Excellence in Disability DisabilityProfessionals Top Rated Companies DIExcellence TechnicalSupportQualityProducts MarketingServices Training Seminars PLUSGROUP

4. 3 The Plus Group A National Disability Brokerage Marketing Organization

5. 4 Where are we located? Atlanta, GA Albuquerque, NM Boston, MA Charlotte, NC Chicago, IL Cincinnati, OH Coral Gables, FL Dallas, TX Detroit, MI Indianapolis, IN Kansas City, KS Minneapolis, MN Mt. Airy, MD New York City, NY Newark, NJ Philadelphia, PA Phoenix, AZ Portland, Or Rochester, NY Salt Lake City, UT San Clemente, CA West Palm Beach, FL

6. 5 What is The Plus Group? The Plus Group/US L.P. is a service organization. Providing Training and Disability Insurance Products. To Insurance Agents, Brokers, Financial Planners and Marketing Partners.

7. 6 What is The Plus Group? Service is provided by the pooled resources of the managing General Agents who previously operated independently throughout the United States. Adhering to our commitment to provide superior service, we stress the need for quality in every product and program we offer.

8. 7 Technical Each risk is evaluated at the proposal stage and the appropriate carrier selected. Each app is evaluated to be sure it is issue-able. Advanced Underwriting for Complex Situations. Special Risks that are Difficult to Insure.

9. 8 Technical Financial & Medical Risk Evaluation. Professionally Designed Illustrations available by mail, fax, or on the internet on a timely basis. Sophisticated Electronic Business Tracking.

10. 9 Training Seminars Individual Disability Insurance within a Financial Plan Business Disability Insurance within a Business Continuation Plan Policy Types and Contract Provisions

11. 10 Training Seminars Underwriting and Issue Procedures Sales Presentations and Illustrations C. E. Qualified Seminars

12. 11 Administrative New Business Processing and Underwriting Follow-up Contracting with Plus Group Companies Policy Service Relating to In-force Business

13. 12 The Plus Group Companies Assurity Life Berkshire Life Combined Fidelity Security Guardian Illinois Mutual MassMutual Mutual of Omaha Nationwide Pan American Petersen Intl The Principal Reliance National Standard of Oregon Union Central

14. 13 The Plus Group DI Products Individual DI Senior DI Physicians Excess Limits Business Overhead Buy/Sell Key Person Impaired Risk Mortgage DI Multi Life / List Bill Guarantee Issue Group LTD Group Supplement/Wrap Individual / Group Combo Pension Contribution DI High Excess Limits Bank Loans Employment Contracts Performance Contracts Divorce Settlements

15. 14 Who will survive? DI Industry Update Products changing Carriers changing Increasing opportunities in the DI business market

16. 15 Why The Plus Group? A marketing concept whose time has come. We bring order to a chaotic market. Our Partners are unequaled as a group in background and talent, most are ex Paul Revere, Provident, Unum General Managers Our electronic systems are on the cutting edge. We know how to put solutions together and how to get cases issued. We fill a training void for the marketing of D.I.

17. 16 ServiceOrganization Excellence in Disability Excellence in Disability DisabilityProfessionals Top Rated Companies DIExcellence TechnicalSupportQualityProducts MarketingServices Training Seminars PLUSGROUP