2. Protects the family of the life insured by paying out the outstanding mortgage balance Available in Life coverage and Accidental Life coverage Maximum $500,000 benefit for age 18-54 Maximum $250,000 benefit for age 55-64 Life Insurance

3. Protects the insured by making the monthly mortgage payment for him/her upon a qualified claim Maximum $4,000/Month benefit Available for clients aged between 18-64 Maximum 24 months benefit Waiting period to qualify a claim is only 60 days Disability Insurance

4. Premium Protection Transportable Easy to Enroll Pre-Existing Conditions Guaranteed Renewal Flexible Coverage Flexible Terms Joint Coverage Discounts Important Features !

5. Premium protected for 25 years, meaning NO increase of premium in the next 25 years. Premium Protection

6. Unlike the creditor insurance offered by major financial institutions, our coverage is transportable when switching lenders, meaning no need to qualify for coverage and the client keeps the cheaper rate. Transportable

7. No underwriting needed if coverage is below $300,000 and answers all “No’s” to the health questions. Furthermore, we only ask 4 questions while other policies ask a typical 8 to 12 questions to qualify the client for coverage. Easy to Enroll

8. Waiting period for “Pre-existing” conditions is only two years while some policies decline such coverage completely. Pre-Existing Conditions

9. The insurance may be renewed until the end of the mortgage’s amortization period without any proof of insurability. Important Features – Guaranteed Renewal

10. Clients can enroll for a truncated amount of coverage if they already has another protection in place and uses this as a compliment to fill the “void” Important Features – Flexible Coverage

11. Clients can enroll for a truncated term of their mortgage commitment to reflect his/her need for insurance. Important Features – Flexible Terms

12. You can issue a joint policy to help clients benefit from our 60% joint discount, yet if the age factor does not favor this approach, you can write two separate certificates to give clients the best value. Flexible Administration

13. The compensation is not worth the time ….. Why you do not offer insurance ?

14. I do not have time ….. Why you do not offer insurance ?

15. The bank is cheaper than what I have to offer….. Why you do not offer insurance ?

16. I am not comfortable discussing Insurance….. Why you do not offer insurance ?

17. Take advantage of our professional support staff and let us help you achieve success! Support Staff

18. Thank You Please feel free to ask questions!