1. April, 2007 Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Life Goals Preview

2. The Big Idea Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Life Goals is a GOAL BASED needs analysis program.

3. The Big Idea Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Life Goals is a GOAL BASED needs analysis program. Quick & Simple No New Training Follow the Numbers

4. The Big Idea Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Life Goals is a GOAL BASED needs analysis program. Product Association Test Estate Tax Analysis  Estate Tax Concepts Financial Needs Analysis  _________

5. The Big Idea Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Life Goals is a GOAL BASED needs analysis program. Product Association Test Estate Tax Analysis  Estate Tax Concepts Financial Needs Analysis  LIFE GOALS No Cash Flow -- No Detailed Planning -- No Data Sharing

6. Life Goals Target Audience Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Clients Status:Single Married Net Worth: Middle Market Mass Affluent Age: Family Years (20’s, 30’s, 40’s, 50’s) Retirement Age (50’s, 60’s 70’s) Personality:Concept Oriented Detail Oriented

7. Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Advisors Advice Areas:Insurance – Life, Disability, LTC Investments – Education, Retirement Accumulation Experience:0 - 5 Years – Basic Needs Analysis 5 - 10 Years – Free Financial Review Style:Straight to the Point – Overview page Story Teller – Details pages Life Goals Target Audience

8. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals Focus on Each Goal

9. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals Focus on Each Goal Progress Bar

10. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals Focus on Each Goal Progress Bar Recommended Amounts

11. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order Set order of goals Illustrate 1 or many goals

12. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page Advisor can customize report Use client’s “own words” Recommend additional analysis OPTIONAL PAGE GOALS Robert, you said your most important goal was to secure the lifestyle of your wife Margaret and your two children, Jonathan and Rebecca, in the event you die prematurely. Robert, you said your second most important goal was to make sure you saved for retirement with the goal of retiring at age 62. RECOMMENDATIONS In order to accomplish your primary financial goal, Robert, I recommend purchasing life insurance on both you and Margaret to ensure the financial needs of your children are met. To work toward your second goal, Robert, I recommend increasing your contributions to your salary reduction plan at work to fully take advantage of your employer’s contribution match program. OUR REVIEW PROCESS Robert, I recommend a review of this analysis at least once a year and a semi-annual review of your investment portfolio. Additionally, any time you encounter a life event, such as the birth of a child, or a change in jobs, I would like to make sure we adjust your financial goals accordingly.

13. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages Life, Disability, LTC Use with policy delivery Protect clients from other advisors

14. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages 5.Clean Presentation Clean look & feel Manageable information sections Progress bars show the bottom line

15. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages 5.Clean Presentation 6.Unique Selling Features Survivor

16. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages 5.Clean Presentation 6.Unique Selling Features Survivor

17. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages 5.Clean Presentation 6.Unique Selling Features Survivor Education

18. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages 5.Clean Presentation 6.Unique Selling Features Survivor Education Retirement

19. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages 5.Clean Presentation 6.Unique Selling Features Survivor Education Retirement Disability

20. What Sets Life Goals Apart? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Summary of Financial Goals 2.Presentation Order 3.Advisor Notes Page 4.Recommendations Pages 5.Clean Presentation 6.Unique Selling Features Survivor Education Retirement Disability Long-Term Care

21. What Makes Life Goals the Same? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 1.Navigation 2.Data Entry 3.Calculations 4.Presentation Flow NO ADDITIONAL TRAINING NEEDED!

22. Life Goals Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Areas Covered Survivor Goal – Immediate cash & continuing income needs Education Goal – College savings need Retirement Goal – Retirement accumulation savings need Disability Goal – Income replacement need (with and without SS) Long-Term Care Goal – LTC income need and savings required to meet need

23. Life Goals Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Presentation Style Summary Page – Progress Bar + Additional Need Presentation – Objective, Needs Calculation, Progress Bar Details – Explanation of Needs Calculation Ledger – Year by Year Components of Needs Calculation Recommendation – Proposed Policy, vs. Current Need, Progress Bar Resources – Educational Pages (no client information)

24. So How Do I Buy Life Goals? Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Life Goals is part of the Financial Needs Suite Life Goals Goal based 5 modules Recommendations Financial Needs Analysis Cash flow based 5 modules Scenario Planning Financial Strategies Cash flow based 15 modules Scenario planning, MCS, Executive Summary…

25. Life Goals Coming Soon Copyright © 2002-2007 Impact Technologies Group, Inc. | All Rights Reserved | www.impact-tech.com | Ph: 800.438.6017 Available: June, 2007