1. National Brokerage 1ClickCoverage Overview

2. National Brokerage Overview
National Brokerage (“NB”) is an insurance and technology business headquartered in Boise, ID.
1ClickCoverage.com is our web based insurance platform aimed at financial institutions.
NB has fifty employees and additional offices in Seattle, WA, Colorado Springs, CO, Pittsburgh, PA, Tampa, FL and Annapolis, MD.
NB represents 50+ life and annuity companies and has 5,000+ licensed agents.
NB distributes through independent brokerage agents, banks, credit unions, affinity groups and the web.
NB has a discrete technology group which it has built up to support its business since 1996.
Our platforms have 4,000+ current users, including a number of financial institutions, plus linkages into 40+ life insurance companies.
We also support Advanced Sales, Premium Financing & Bespoke Insurance Services.

3. How the 1Click Platform Works with You
Leveraging Affinity
Branded endorsement from your financial institution
Focus is on life insurance with exclusive product
Leveraging Online Capabilities and Touch-Points
Internet Focused: Capturing Customers who want to transact online
Online account access
Online bill pay
Online Quote Request
Electronic Feed
Leveraging Point of Sale and Service Interactions
Take ones and brochures
Collateral in “Welcome Kits” for new customers
Statement Stuffers
Engaged branch staff
Product Considerations
Optimum product selection for your customer demographics
Multi-Carrier vs. Single Carrier
Affinity marketing to existing customers. The strength of affinity to your institution drives higher response and purchase rates through all distribution channels. 3

4. 1Click Platform Product Range
Exclusive Online Term Life
$25,000 to $350,000 coverage
Real time underwriting, decision in <2 minutes
Exclusive Online Single Premium Whole Life
$10,000 to $200,000 premium, up to age 85
Exclusive Accident Product with Optional Riders
Accident Insurance plus optional Hospital Indemnity, Critical Illness, AD&D, Final Expense
Guaranteed Issue (except Critical Illness Riders)
Quote & Underwrite Full Range of Term Life ($50,000 to $25m)
Motor Club
Multiple service levels and flexible pricing
RX Discount/Wellness Program
Coming Soon:
P&C Insurance: Home & Auto
Household Warranty Products
Loan Acceleration Program
Whole Life Insurance
Final Expense Insurance
Fixed Annuity
Healthcare products

5. The 1Click Platform
Everything is web based: the client or the bank can directly enter all details into a very user friendly set of screens for pre-screening.
If the initial determination is positive then an electronic application is instantly completed by our software and a simple electronic signature completes the submission.
The information is then processed real time through our underwriting engine where there will be MIB, RX and MVR record checks. This takes seconds.
If successful the customer/agent will be instantly notified and a secure link will be ed to the customer to download the policy.
This all occurs in less than two minutes.
Depending on the premium payment method selected there will also be a real time premium debit and the policy will go inforce immediately.

6. 1Click Services
You dial up or down the level of service you require from 1Click based on what you prefer to do in-house or outsource.
Our clients range from existing full service insurance brokers to zero in-house insurance capability.
We can provide all insurance services if required, our services include:
Build business plan
Build out of web pages, quote screens and online application process
Work with your team to integrate platform into website(s)
Website branding.
Work with your team on platform rollout and campaign management
Provide marketing materials (electronic and print ready material)
Track and follow up on leads and drop offs.
Complete support with our call center of licensed agents
We can do both inbound and outbound calling
Onsite & Remote Training Programs

7. The 1Click Product Advantage?
Simple product to explain
All technology can be embedded into your web site
Co-branding available: website, materials, customer service
Minimal training required for in-house personnel, no Underwriting or paper to manage
Instant Premium billing: faster commissions, less NTO challenges
Limited Roll Out
Allows online replacement of existing policy
Allows flexibility for client to select monthly draft date (where applicable)
No username/password required during enrolment process
No phone interview or tele-underwriting required
Policy is available to download/save/print immediately upon approval (Term & SPWL)

8. The Term Product Term Life Insurance with 10, 15, 20 and 30 Year Term
Underwritten by National Life Group, an A rated company
Very Limited Distribution: No brokerage agents
Four underwriting classes: Preferred and Select both Tobacco and Non-Tobacco.
Face Amounts: $25,000 to $350,000
Accelerated Death Benefit
All states, except NY
Preferred payment methods are Debit Card and electronic Bank Account Debits.
Monthly and annual billing options.

9. Examples of Pricing: Cost Per Month
Male 35 Non-Smoker Preferred
Male 35 Smoker Select
Female 35 Non-Smoker Preferred
Female 35 Smoker Select
$75, Year Term
$15.84
$31.54
$14.41
$26.90
$350, Year Term
$41.55
$110.34
$34.86
$89.32
$75, Year Term
$18.84
$40.02
$16.66
$34.13
$350, Year Term
$55.56
$154.61
$45.37
$122.45
$75, Year Term
$22.32
$52.01
$19.32
$42.46
$350, Year Term
$71.49
$205.57
$57.47
$160.67

10. 1Click Single Premium Whole Life
Underwritten by National Guardian Life Group, an A- rated company
Very Limited Distribution: No brokerage agents
Three underwriting classes: Preferred, Select and Tobacco.
Premiums allowed $10,000 to $200,000 (varies by age)
Face Amounts up to $400,000
Terminal Illness Rider
All states, except NY
Check, Debit Card and electronic Bank Account Debits.
Real time electronic underwriting

11. 1Click Accident Protection
Underwritten by Life of the South, a member of the Fortegra group of companies (in some states underwritten by fellow affiliates Southern Financial, Bankers Life of Louisiana, Response Indemnity, California).
Base Product is Accident Expense Plan that pays up to $15,000 of benefit per calendar year.
Provides protection for accidents and unexpected illnesses so that bills can be paid while the family member recovers.
Additional optional rider coverage is available for:
Critical Illness Benefit: up to $25,000 lifetime coverage
Critical Illness Cancer Only Benefit:: up to $25,000 lifetime coverage
Accidental Death and Dismemberment : up to $100,000 coverage
Accidental Hospital Indemnity: $100 or $250 per day
Funeral and Bereavement Counseling : Up to $2,000
Coverage is available for (i) Proposed Insured; (ii) Proposed Insured/Spouse; (iii) Family; (iv) Proposed Insured/Children.
Coverage available for all Adults 18 – 64 and Children 0 – 17 and Guaranteed Renewable to age 65 (premium rates may change during the renewal period)

12. Complete Agency Processing
NB can provide a virtual agency to support all aspects of the program.
As well as providing all of the front end web based systems National Brokerage provides a full back office support infrastructure.
All Web transactions automatically feed into our agency management system.
Our 1E system provides a complete CRM package to manage the life insurance program and full performance reporting in terms of application processing, policies issued, commissions and the status of inforce policies.
The system can also be used for lapse prevention with daily updates as to inforce status.
It also provides full campaign support (outbound calls, s, mailers, etc.) for both new contacts and existing customers.
The system also allows complete commission transparency to track commissions back to individual sales.