1. maximize the results of your hard work 10/19/2015 1 Representative Name Agency Name

2. Agenda Discuss business continuation, employee attraction and retention, family succession planning and a business owner’s retirement Outline how life insurance fits into a proper business plan Next steps Questions and Answers 2 10/19/2015

3. business planning Proper business planning helps safeguard the success of your business tomorrow... and into the next generation. 3 10/19/2015

4. will my business survive? Only 35% have a formal business continuation plan in place in the event of the death of an owner Will your family receive the full value of your business, or will they have to sell it just to pay the taxes? 10/19/2015 Small Business Owners Study, LIMRA International, 2009

5. buy-sell A buy-sell agreement can: Assure a buyer for the business at a properly valued price Reduce the costs and delays of probate Provide a smooth transition of ownership Assure business continuity 10/19/2015 5

6. buy - sell Benefits of life insurance: Life insurance can leverage a limited number of premium payments into a sizeable death benefit Immediate availability of proceeds when death occurs Death benefit proceeds are generally income tax free 6 10/19/2015

7. family businesses Less than 30% of family businesses survive to a second generation 10/19/2015 7 familybusinessinstitute.com/index.php/resources/109

8. family businesses Life Insurance provides the cash for your heirs to: Buy the business from the surviving spouse, ensuring his or her financial security Pay estate taxes at the parents’ deaths without having to liquidate any business assets Treat family members not involved in the business equitably 10/19/2015 8

9. what if I become disabled? 43% of all people age 40 will experience a long term disability event prior to age 65. 10/19/2015 JHA Disability Fact Book

10. disability income insurance Disability can affect: Your business Your family Your employees Disability Income Insurance can provide the cash to help your business survive if disability does strike. 10/19/2015 10

11. will my best employees stay loyal to me? Your key employees are one of your most important assets and can be critical to the success of your business. You can offer your best employees benefits designed to reward and retain them for the long term. 10/19/2015 11 http://www.blissassociates.com/html/articles/cost_of_turnover15.html

12. retirement plans 12 10/19/2015 Nonqualified plans: Can be offered to select employees Have low administrative costs Are easy to administer

13. can I retire when I’m ready? Many of the nonqualified plans that you use to reward and retain your key employees can also be used to help build your own retirement savings. 13 10/19/2015

14. 14 10/19/2015 Representative Name Agency Name Phone Email (Agency name) is not an affiliate of Ameritas. This information is provided by Ameritas®, which is a marketing name for subsidiaries of Ameritas Mutual Holding Company, including: Ameritas Life Insurance Corp., Ameritas Life Insurance Corp. of New York, Acacia Life Insurance Company, The Union Central Life Insurance Company and Ameritas Investment Corp., member FINRA/SIPC. Ameritas Life Insurance Corp and Acacia Life Insurance Company are not licensed in New York. Each company is solely responsible for its own financial condition and contractual obligations. For more information about Ameritas®, visit ameritas.com. At Ameritas, insurance agents solely provide financial information incidental to the sale of insurance products. Investment advisors provide financial planning and investment advice independent of the sale of financial services and products. Investment advisors may be licensed and registered with Ameritas Investment Corp. or other registered investment advisors. Representatives of Ameritas do not provide tax or other legal advice. Please consult your tax advisor or attorney regarding your situation. Ameritas® and the bison are registered service marks of Ameritas Life Insurance Corp. © 2013 Ameritas Mutual Holding Company, 5900 O Street, Lincoln, NE 68510