1. Levinson & Associates Turnkey Final Expense E- Platform

2. Rated A- (Excellent) by A.M. Best Dedicated New Business Teams Paper or E-App Submission Point-of-Sale Underwriting Level, Graded & Modified Benefit Plan Designs 24 Hour Paperless Agent Appointments State-of-the-Art Agent Management Tool Legacy Select Value Propositions No Channel/Recruiting Conflict

3. Commissions Paid Daily Clean Cases Issued and Paid in 24 hours Agent/Management Incentive Trip Select Agent Program Flexible Premium Payment Options Lead Program- See Upline for details Legacy Select Value Propositions Contract Integrity

4. Product Information

5. Legacy Select Product Overview Minimum Issue Face Amount is $2,500 Maximum Issue Face Amounts – Level 50-80 $50,000 81-85 $15,000 – Graded 50-80 $20,000 – Modified 50-80 $15,000

6. Legacy Select Product Overview Level Benefit – Death Benefit is 100% of Face Amount Issued – Accelerated Death Benefit Endorsement Embedded in the policy and included in rates. Available on Level Benefit Only 50% Face Paid upon diagnosis of Condition with expected death within 12 months. Balance paid at Death – Optional Accidental Death Benefit Rider Only available as option to Level Benefit Policy Provides 2X Face amount for accidental death if chosen. Available 50-65 and Terminates at Age 70 Only available at time of application

7. Legacy Select Product Overview Graded Benefit – 30% of Face Amount in 1 st year – 70% of Face Amount at 1 year plus 1 day – 100% of Face Amount at 2 years plus 1 day and thereafter – 100% for Accidental Death Day 1 Modified Benefit – First 2 policy years death benefit is premium paid plus 10% interest on paid premium – 100% for Accidental Death from Day 1

8. Banking and Cancellation Accepts Debit Card, Credit Card and ACH Initial and subsequent payments – Drafts are on 3 rd - 28 th of month, Specific Date may be chosen on Application – Credit and Debit Cards must choose 6 th, 15 th, 23 rd, 28th – Must Draft within 30 Days of Premium Date – Monthly, Quarterly, Semi & Annually – No 1035 Exchange Funds Cancellation – Requests must be in writing – Refund Checks mailed in 5-7 business days

9. MNL Legacy Select Appointed States – As of 10/5/10

10. Commission Information

11. Do It The Right Way... Get Paid The Next Day! Application Submitted Via E-App or FAX Received By New Business Team Policy Issued & Mailed To Insured Commission EFT Processed 9:00 a.m. 9:01 a.m. 1:00 p.m. 7:00 p.m. Agent Commission Received By EFT Following Day 9:00 a.m. 1 2 3 4 5 *Timeline based on clean case submission Commissions Paid FAST... & Daily!

12. Commission Advancing Commissions and overrides are advanced nine (9) months. An agent and/or the up-line advance period may be reduced if poor “quality of business” issues persist. Chargebacks are taken 100% on next advance. If there is no advance it then goes to back end commissions Commissions and Override Advances Commissions are paid by carrier.

13. Commission & Override Payments Commissions and overrides are paid 1 of 2 ways:  PAID ON PAID – Paid upon policy issuance and when draft first premium payment.  PAID ON ISSUE (Select Agent Program) – Paid when the policy is issued but prior to receiving 1 st premium payment. Policy draft dates may be post-dated a maximum of 30 days. Note: To be Paid on Issue (Agent Select Program), an agent or up-line must: 1.) Demonstrate that they have met certain quality of business metrics with another FE carrier, or 2.) Wait sixty (60) days and meet the pre-determined quality of business metrics. Commissions and Override Payments

14. Field Underwriting Proper Field Underwriting Ensures Quality Production – Agent is “Eyes & Ears” for Underwriters. It is imperative that quality business is submitted at all times as this effects agent’s commission status – Pay special attention to the Prescription Drug List inc. “Rx Fill Within” and “Benefit Eligibility”

15.  * $275 per 1000 mailed (final expense leads).  You select your demographics... Age, gender, income level, etc.  All states, counties, cities, zips available.  4 day turnaround from order to drop.  Leads delivered to you via paper or electronically. Jump Start Lead Program * $275 is a temporary, introductory price and is subject to change.

16. Paper Submission All Paper Applications are ‘Kitted’ to include all necessary docs per state Prior to submitting completed application – Use Completed ‘Faxed App’ Coversheet. – Then, 1 st page of application followed by remainder in sequential order. – Lastly, any ‘Supplemental” forms that may be required by state. – Be sure to get “Reference ID Number” from Apptical and enter on app prior to submission

17. Electronic Submission Methods Electronic Submission Method #1 ‘Applications/E-App Online’ This is a fully functional electronic application Complete all questions The E-App will not allow you to advance if you are missing any info and will highlight errors

18. Apptical- Point of Sale Interview Regardless of submission method a 10 minute POS Interview must be completed prior to submission at time of application. M-F 8:30 AM-Midnight Sat & Sun 10:00 AM-4:00 PM Applications may ONLY be taken during these hours.

19. Apptical- Point of Sale Interview Must be performed at time of application Writing Agent must be present for the Interview – For Phone Sales, 3 Way call is acceptable Upon calling in – give Telephone number Agent is calling from Company Name – Agent Name- Product- Agent’s Writing Number-

20. Apptical- Point of Sale Interview ‘Reference ID Number’ will be verified – Client will be told call is being recorded – Application questions will be reviewed – MIB and Rx History check will be done during the interview This process will take less than 10 minutes

21. Apptical- Point of Sales Interview You will know the status of your application at end of the interview! There are 5 decisions that you will be given Accepted - Level Accepted - Graded Accepted – Modified Additional Underwriting Info Needed Does Not Qualify* *If ‘Does Not Qualify’ you must still submit application

22. Contracting With MNL All agent contracting and appointments are done through your uplines private web-portal. The entire agent appointment process is paperless and completed via E-signature. pays all resident and non-resident appointment fees. Unbelievably Easy... will provide Agent Writing Number within 24-48 hours of completion of electronic application. Agent will also be provided with ID and Temp Password for Link at this time.

23. Call today to get started! Bill Levinson-Vice President bill@carylevinson.com 5551 N. University Drive Ste 201 Coral Springs, FL 33067 Ph. (954) 746-9531 Fax.(954) 746-9535 Toll Free (800) 375-2279 www.carylevinson.com www.insprofessional.com