CAREER LEADERSHIP BRIEFING LNL

Defining Liberty National 100+ Years At Work MARKET LIFE AND SUPPLEMENTAL HEALTH INSURANCE IN THE HOME AND AT THE WORKPLACE WE PROTECT AMERICA’S WORKING CLASS LICENSED IN 49 STATES OWNED BY A FORTUNE 1000 FINANCIAL SERVICES CORPORATION STABILITY SERVING AMERICA SINCE 1900

LIBERTY NATIONAL LIFE AMERICAN INCOME LIFE/NATIONAL INCOME LIFE FAMILY HERITAGE UNITED AMERICAN GLOBE LIFE Financial Strength TMK — NYSE

Liberty National A+ (SUPERIOR) FINANCIAL STRENGTH RATING FROM A.M. BEST COMPANY (AS OF 6/12) AA- “VERY STRONG” FINANCIAL STRENGTH RATING FROM STANDARD & POOR’S (AS OF 9/12) A1 INSURER’S FINANCIAL STRENGTH RATING BY MOODY’S (AS OF 3/12) A+ “STRONG” INSURER’S FINANCIAL STRENGTH RATING BY FITCH (AS OF 6/12) WARD’S 50 LIFE-HEALTH LIST EVERY YEAR SINCE 1995 (AS OF 7/12) SUPERIOR RATINGS IN THE FINANCIAL WORLD

100+ YEARS OF BEST PRACTICES RAPID ADVANCEMENT BRANCH OWNERSHIP LEADERSHIP ACADEMY TRAINING NATIONAL ADVANCEMENT OPPORTUNITIES LEADERSHIP POSITIONS DUAL MARKET EXPLOSIVE GROWTH UNLIMITED EARNINGS

Liberty Leadership Positions at Work for YOU! BRANCH MANAGER UNIT MANAGER ASST. UNIT MANAGER MANAGER IN TRAINING CAREER AGENT

I. WORLD CLASS LEADERSHIP COACHING AND MANAGEMENT TRAINING FOR THE INDUSTRY'S BEST

Liberty National 100+ years of Best Practices “LIBERTY LEADERSHIP DEVELOPMENT SYSTEMS IN ACTION”

Liberty Leadership Advantage  BRANCH MANAGER CERTIFIED RELEASE MEETING  EARNING REVIEW AND EXPECTATIONS  ACTIVITY METRICS TO ENSURE SUCCESS  DUAL MARKET TRAINING SCHEDULE  CAREER LEADERSHIP TRACK TO PROMOTION

Why Successful People Choose Leadership at Liberty 1. ABILITY TO BUILD A DYNAMIC TEAM 2. OPPORTUNITY TO GROW A BRANCH 3. ACCELERATE PERSONAL EARNINGS 4. BUILD REAL WEALTH WITH RESIDUALS 5. REWARDS AND RECOGNITION 6. ADVANCEMENT TO GREATER LIBERTY LEADERSHIP ROLES 11 LEADERS WANT TO CONTROL THEIR OWN DESTINY THE LIBERTY LEADERSHIP ADVANTAGE

Top Reasons Why Liberty Leaders Advance 1. APTITUDE FOR LEADERSHIP TRAITS WE LOOK FOR AS A LEADERSHIP CANDIDATE 2. COACHABLE/ABILITY TO COACH OTHERS 3. EAGERNESS TO IMPROVE AS A LEADER 4. CLEAR VISION OF SUCCESS FOR YOU AND THOSE YOU LEAD 5. THE NEED TO EARN SIX FIGURES AND BUILD REAL WEALTH

Liberty National Marketing at Work for You

Dynamic Lead Source 1. CURRENT CUSTOMERS – 3 MILLION POLICIES 2. WORKSITE RE-ENROLLMENTS 3. SPONSORSHIP OPPORTUNITY CHILD SAFE PROGRAM ACCIDENTAL DEATH POLICY MEDFACTS KIT

2012 Average Agent Earnings Average of Agents with 12 months service

Dual Market Opportunity

Needs-Based Laptop Presentation

Employee Care Plan $42.25 month/$9.76 per week Primary Wage Earner 35-YEAR-OLD MALE, NONTOBACCO RATES BENEFITLIVING BENEFITS $15,000 CRITICAL ILLNESS / CANCER $1,000 EMERGENCY TREATMENT BENEFITFINAL EXPENSE $15,000 FINAL EXPENSE

Worksite Enrollment –Employee Care plan BASED ON PREVIOUS EXAMPLE $42.25 MONTHLY PREMIUM; 70% DIRECT PAY ( MUST SUBMIT AND ENROLL 2 NEW SECTION 125 CASES IN 2013) AND AT APPLICABLE BONUS; 1.0 DCN MULTIPLIER; NO COMMISSION ACCOUNT DRAW WEEKLY SALES WEEKLY ADVANCE BONUS TOTAL WEEKLY EARNINGS TOTAL MONTHLY EARNINGS TOTAL YEARLY EARNINGS 3 $ 477$ 211$ 688$ 2,981$ 35,776 4 $ 636$ 338$ 974$ 4,220$ 50,648 5 $ 795$ 540$ 1,335$ 5,785$ 69,420 6 $ 955$ 704$ 1,659$ 7,189$ 86,268 7 $ 1,113$ 821$ 1,934$ 8,380$100,568

Dual Market Leader- Direct Market

Family Care Plan $40.73 per month/$9.41 per week PRIMARY WAGE EARNER YEAR-OLD MALE, NONTOBACCO RATES BENEFITLIVING BENEFITS $15,000 CRITICAL ILLNESS / CANCER BENEFITFinal Expense $15,000 FINAL EXPENSE BENEFITMonthly Earnings $45,000 MONTHLY EARNINGS

23 BASED ON PREVIOUS EXAMPLE $55.70 MONTHLY PREMIUM; 70% DIRECT PAY AND AT APPLICABLE BONUS; 1.0 DCN MULTIPLIER; NO COMMISSION ACCOUNT DRAW WEEKLY SALES WEEKLY ADVANCE WEEKLY PRODUCTION PAY TOTAL WEEKLY EARNINGS TOTAL MONTHLY EARNINGS TOTAL YEARLY EARNINGS 2 $500$185$685$2,968$35,620 3 $750$334$1,084$4,697$56,368 4 $1,000$594$1,594$6,907$82,888 5 $1,250$773$2,023$8,766$105,196 6 $1,500$928$2,428$10,521$126,256 Direct Enrollment–Family Care plan

Unlimited Branch Growth Target U.S. market LIBERTY NATIONAL LIFE

Leaders Build Real Wealth with Residual Earnings

Residual Earnings (Renewals) PAID EACH MONTH FROM POLICIES SOLD IN THE PAST AND STILL IN EFFECT

Incentives CAESARS PALACE, LAS VEGAS FONTAINEBLEAU HOTEL, MIAMI CARIBBEAN CRUISE PUERTO RICO ATLANTIS RESORT, BAHAMAS TORCH CLUB CONVENTION DESTINATIONS HAVE INCLUDED:

Opportunity of a Lifetime – What it Takes STATE INSURANCE LICENSE GOOD WORK ETHIC AND COMMITMENT DURING: CLASSROOM TRAINING FIELD TRAINING MENTORING ENTREPRENEURIAL SPIRIT YOU CAN BUILD YOUR BUSINESS AT THE RATE YOU ARE COMMITTED TO REQUIREMENTS FOR SUCCESS