1. Advanced Annuity Concept Bruce Beaty, CLU, ChFC, MBA VP of Sales Legacy Marketing Group

2. Bruce Beaty, CLU, ChFC, MBA Vice President of Sales Legacy Marketing Group

3. What’s it take to earn your biz? LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 3 Big bonus options? High Commission? Dynamite income riders? Unique strategies to set you apart? Short surrenders? Older issue ages…like to age 90? High caps and rates? Luxury International trips?

4. At Legacy… LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 4 We’ve got you covered!!!

5. Legacy Niches Liquidity – 10% free withdrawals in the first year. – Checkbook access – Choice of income riders – Confinement waiver – Unemployment waiver – Terminal illness waiver – Nursing home waiver – ECR – 72T OM1476v0111 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 5

6. Niches… Stretch IRA – Accept Stretch IRAs. – Allow a restricted beneficiary settlement option requiring the beneficiary to elect non-annuitized required distributions based on life expectancy. THIS IS THE ESSENCE OF THE STRETCH IRA. – Allow the owner to restrict the beneficiaries’ settlement options. – Sales tool – Qualified Solution Medicaid – Safeguard Settlement Option – Settlement Option 9 OM1476v0111 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 6

7. Niches… Bonus annuities – 4%, 5%, 8%, 12% – Vested – Vesting – To age 85! Older issue age clients – Reliance to age 90 – Bonus to age 85! OM1476v0111 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 7

8. Advanced Sales Concepts LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 8

9. Legacy Sales Solutions LMG3198v0811 9 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

10. Kit Contents Prospecting tools: – Preapproved ads. – Postcards. – Newspaper ads. – Mailers. – Preapproach letters. Educational and client-approved presentations and scripts. Effective sales tools. LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 10

11. Legacy Sales Solutions Tools Annuity Advantage: – Tax equivalency slider. – Annuity Advantage brochure. Smart Tax Planning: – 1040 Tax Planner. – Pocket Tax Table. Qualified Solutions: – IRA brochure. – 72(t) and Stretch IRA letters. ROTH Revolution: – ROTH brochure. – Client matrix. LMG3198v081111 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

12. How do you use the kits? LMG3198v081112 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

13. Smart Tax Planning LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 13

14. Educate Yourselves LMG3198v081114 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

15. Prospecting LMG3198v081115 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

16. Closing Tools LMG3198v081116 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

17. “CommandMark SM ” “ Where big bonus, big income rider, and big compensation meet…” Distributed exclusively by Legacy! LMG3160v0511 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 17

18. Top Features at a Glance PH1045v0511 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 18 CommandMark 0%, 8%, or 12% vesting premium bonus option THRU AGE 85!! CommandMark “LT” 0%, 5%, 8%, vesting premium bonus option THRU AGE 85!! Attractive income rider with 8% roll-up, compounded. Competitive Compensation. Five crediting rate strategies, including: – Rising Interest Strategy* with a Rate Booster! – Gold Strategy. *Also known as the Point-to-Point With Multiplier Strategy Rider.

19. Crediting Rate Strategies PH1045v0511 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 19 Five Crediting Rate Strategy options: – Guaranteed Fixed Rate Strategy. – Point-to-Point With Cap Strategy. – Rising Interest Strategy* (with Rate Booster!). – Monthly Averaging Blended Strategy. – Gold Strategy. *Also known as the Point-to-Point With Multiplier Strategy Rider.

20. Strong Compensation PH1045v0511 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 20 Issue ages 0-75 Ages 76-80 = 75% of above Ages 81-85 = 50% of above Qualifies for incentive trips Bonus %0%8%12% GA 87.57 Bonus %0%5%8% GA 7.576.5

21. CommandMark SM Rollout Incentive! FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 21 CommandMark SM Commission Bonus. Qualifying premium submitted and paid between July 15 and November 18, 2011. $350K+ premium = 0.50% commission bonus. $1M+ premium = 1.00% commission bonus. Based on TOTAL premium during the 120 days. Watch LegacyNet ® for rules.

22. Roth Revolution LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 22

23. Educate Yourselves LMG3198v081123 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

24. Prospecting LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 24

25. The Seminar LMG3198v081125 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

26. Closing Tools LMG3198v081126 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

27. Sales Idea! LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 27 Use the Income Freedom Rider SM with the Roth IRA concept to provide tax-free distributions for life! Stretch out tax ramifications by converting a portion of an account at a time. 11-042

28. Roth Conversion Example LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 28 65-year-old. Purchases IRAs in $50K increments. Elects income rider on each policy. Converts one IRA to a Roth per year for 10 years. Begins income five years from conversion. Payouts are tax free and increase cumulatively each year for 10 years. 11-042

29. Imagine Tax-Free Cash Flows! LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 29 Income Start AgeProduct YearGuaranteed IncomeCumulative Income 706$4,215.41 717$4,468.34$8,683.75 728$4,736.44$13,420.19 739$5,020.62$18,440.81 7410$5,321.86$23,762.67 7511$5,641.17$29,403.84 7612$5,979.64$35,383.48 7713$6,338.42$41,721.90 7814$6,718.72$48,440.62 7915$7,121.85$55,562.47 11-042

30. 2 Hot Annuities! OM1451v0810 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 30 AmeriMark SM Freedom and AdvanceMark SM Exclusive to Legacy! Rates holding for Sept!!

31. 3-Year Reset Monthly Averaging LMG3158v0511 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 31 100% participation rate with NO CAP! Minus a spread. This spread is locked for three years and applies over the three-year period. AmeriMark SM Freedom: – 12-yr no-bonus: 0.25%7-yr no-bonus: 0.25% – 12-yr 4% bonus: 0.25% 7-yr 5% bonus: 1.25% Sell the “story….” 20% gain credits 19.75%!! Rates effective Sept. 1st, 2011, and subject to change. Index rates are subject to a cap, spread, or declared rate, and caps, spreads, and declared rates are subject to change at the insurer’s discretion.

32. AdvanceMark LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 32 FIRE SALE still on!! 8% bonus thru age 85 Income Freedom rider 3-yr monthly avg. offers LOW 2.75% spread – Over 3 yrs., not annually – NO CAP! – Index gains vest to date of death “Declared Rate” strategy – simple sells! No MVA

33. Death Benefit LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 33 Don’t forget… Greater of full account value or MGSV at death. Index gains vest to date of death: – Clients’ beneficiaries do not miss out on potential gains. – Applies to all indexed options. 8% vesting bonus becomes totally vested at death. 11-042

34. Income Freedom Rider SM OM1451v0810 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 34

35. Income Freedom Rider SM LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 35 Great value, low-cost rider. Only 30 bps for 6% compounded roll-up. The difference? – Available on a product with strong caps and earnings potential. – Why pay a lot for a rider that may or may not get used? – Have you considered the beneficiary implications? 11-042

36. The Annuity Advantage LMG3198v081136 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

37. Prospecting LMG3198v0811 37 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS.

38. The Seminar LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 38

39. The Appointment LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 39

40. American National Insurance Co. LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 40 BenchMark 500 SM SE and BenchMark Reliance SM FPDAs, issued by American National Insurance Company, Galveston TX, are distributed by Legacy Marketing Group ®. Refer to Compensation Schedule, contracts, Earnings Rate Update, sales guides, and State Approval Matrix for details. Form Nos: AN-PEIA-0306-10, AN-CEIA0306-10, AN-PEIA-0306-10B, AN-CEIA0306-10B, AN-PBE0603-10-0, AN-PBE0603-10-2, AN-PBE0603-10-4, AN-PBE0603-10-6, et al. LM2222

41. BenchMark Reliance LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 41 Fixed interest annuity - - 10 yr. surrender Issues to age 90 (0-64 in FL) Commissions – 7% ages 0-75 – 5.5% ages 76-90 2.89% current rate – 90 month avg. SPIA alternative?? 7% commission?? Medicaid planning, Vet’s benefit planning No chargebacks

42. Qualified Solutions LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 42

43. Educate Yourself LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 43

44. Prospecting LMG3198v0811 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 44

45. Product Solutions LMG3125v0311 45 Old Mutual ® is the marketing name of OM Financial Life Insurance Company, and in NY only, OM Financial Life Insurance Company of New York, Old Mutual plc companies. Each Old Mutual company is solely responsible for its contractual obligations. FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 11-042 IIC1038-0311 LM2222

46. Call Today! LMG3125v0311 FOR BROKER USE ONLY. NOT FOR USE WITH CONSUMERS. 46 Gets Sales Kits and More Information 800-395-1053 ext 4002