1. WELCOME TO OUR TRAINING SEMINAR UNITY FINANCIAL LIFE COMPANY
LEARN HOW TO MAKE AN EXTRA 7K MONTHLY ! 1

2. OUR GOAL IN THIS SEMINAR
The Goal of This Sales Training Academy
To help you make an extra 7K monthly
And to help your clients protect Assets by planning now 2

3. A NURSING HOME CAN WIPE-OUT A LIFETIME OF SAVINGS !
93% OF SENIORS OVER 65, DON’T HAVE
NURSING HOME INSURANCE ! 3

4. SINCE ONLY $1500.00 IS EXEMPT FOR LIFE INSURANCE…THIS IS AN ISSUE
Medicaid says only a $ life insurance policy is exempt.
Any policy over that amount in cash values is a countable asset and would have to be spent down for Medicaid Eligibility.
Example: $10, Policy – (Paid Up)
9, Cash Value
SOLUTION: Exchange to Funeral Trust. (Tax Free) – Now it is Protected. 4

5. Funeral Trust Planning
Dollars put into the Irrevocable Funeral Trust is Exempt. (Client receives fair market value - No Five Year Look-Back)
Protected from Creditors, Lawyers, Hospitals, Nursing Homes and Medicaid.
The last trust available without a look-back.
Great Medicaid Planning Tool.
The Financial Planner /Insurance Agent can now assist their clients with this pre-planning trust. 5

6. PLANNING TOOLS REVIEW – PLANNING YOU SHOULD RECOMMEND
ADVANCE PLANNING SHOULD BE DONE
FIVE YEARS IN ADVANCE TO PROTECT ASSETS
REVIEW – PLANNING YOU SHOULD RECOMMEND
PLANNING TOOLS
FUNERAL TRUST PLANNING
POWER OF ATTORNEY
HEALTHCARE AND FINANCIAL POA
NETWORKING WITH AN ATTORNEY
KEEP IT SIMPLE…THIS FUNERAL TRUST IS
EASY TO SELL…YOU DON’T HAVE TO BE A
EXPERT TO SELL THIS PRODUCT!
THIS FUNERAL TRUST PLANNING IS JUST COMMON SENSE! 6

7. Unity Financial Life Insurance Company
Cincinnati, Ohio
Home Office
Licensed in 42 States
Expertise in funeral funding insurance
Fastest Growing Private Company in Pre-Need
Strong Balance Sheet

8. UNITY FINANCIAL LIFE INSURANCE COMPANY SINGLE PREMIUM LIFE PRODUCT
ISSUE AGES 0-99
NO UNDERWRITING – GUARANTEED ISSUED
GREAT COMMISSIONS
FUNERAL TRUST PROVIDED BY INS. CO.
UNITY FUNERAL TRUSTS – ONE PAGE APP.
MEDICAID EXEMPT IN MOST STATES
ILLINOIS - $10,000 – FUNERAL TRUST
WISCONSIN - $ 12,500 FUNERAL TRUST
TEXAS - $12,500.00
1035 EXCHANGES ACCEPTED
GREAT FOR PRE-PLANNING AND CRISIS PLANNING

9. Your Opportunity to Make
Independent Marketing Organization for Unity Financial Life Company
PRODUCT DEVELOPED BY DELCO BROKERAGE AND UNITY FINANCIAL LIFE
Your Opportunity to Make
An Extra 7K per Month, Marketing to Your Existing Clients.
IT’S EASY AND SIMPLE TO DO!

11. FUNERAL COSTS CAN VARY FROM $7000- $12,000
NATIONAL AVERAGE IS $ 11

12. DELCO BROKERAGE SERVICES
The Irrevocable Funeral Trust
Irrevocable Funeral Trust (IFT) - Funded by a single premium life policy.
Trust strictly specifies money is to be used for funeral expenses.
Life Policy per year to age 80, 1%
At Death, the trust pays the funeral home directly with excess funds being returned to the estate or family.
Death claim - Agent gathers death certificate/bill from funeral home and fills out claim form for family.
DELCO BROKERAGE SERVICES 12

13. The Easiest Sale You’ll ever make
Four ways to fund the IFT Trust
1035 Exchange from Old Life Insurance Policies that have a Face Value of over $
Cash - Write You a check
10% Free Withdrawal from an Annuity
Old Mature savings Bonds 13

14. 1035 Exchange Sale Face Amount - $10,000 Cash Value - $ 9200.00
FUNERAL TRUST
Protect This Policy by Tax Free Exchange
Life Insurance Policy
Face Amount - $10,000
Cash Value - $
Medicaid limits in most states - $ 1,500.00
Provides Instant
Medicaid Protection

15. The 10% Free Withdrawal To Fund Trust
Existing Annuity Policy - $ 200,000.00
Value
10% Free Withdrawal from
An annuity to fund funeral trust. ($20,000.00)
Use $20,000 to set up (2) Funeral Trusts at $10,000 per spouse. Now this money is Medicaid Exempt!

16. Your Biggest Competition
THE FUNERAL HOME
REASONS WHY YOUR CLIENT IS BETTER OFF DOING BUSINESS WITH YOU.
The Funeral Home might go out of business
You might move closer to your children in your old age
The Funeral Home may merge with new owners
You might retire down in Florida
Our Funeral Trust doesn’t specify any particular funeral home. This trust can be used with any funeral home at time of death. WE OFFER FLEXIBILITY! 16

17. Case Study #1 1035 EXCHANGE Old Policy – Face Value - $10,000
Cash Value - $ 9,750
Policies with Face Values of more than $1500 is a “Countable Asset”.
1035 old policy to Funeral Trust.
Now Money is Protected. (Exempt asset) 17

18. Case Study - #2 Crisis Case – Client is already in an institution.
Example: Age 85 – Female
$10,000 remaining in bank acct.
Two Choices – Spend $ 8000 on Nursing Home
Save $8000 with Funeral Trust
YOU CAN USE A
POWER OF ATTORNEY
IF CLIENT IS UNABLE
TO SIGN. 18

19. Boost Your Income with The Funeral Trust CALL DELCO BROKERAGE SERVICES
During the last 3 weeks
I made more than I could
believe. GREAT Product!
CALL DELCO BROKERAGE SERVICES
WRITE (3) CASES PER MONTH AND
EARN HUGE COMMISSIONS
A case being a husband and wife.
$10,000 per trust X 6 = $60,000 premium
Average age - 72
Commission = $ 7,800+ per month.
START SELLING THE FUNERAL TRUSTS
INCREASE YOUR MONTHLY INCOME BY $ 19

20. DO IT TODAY… COMPLETE YOUR CONTRACTING Turn in your contract
2. Receive our entire
marketing program
Access to Website
Direct Mailers
Annual Review Letter
Power Point Presentations
Turn-Key Marketing
DELCO BROKERAGE
DO IT TODAY…
COMPLETE YOUR
CONTRACTING