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Definition of Terms Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Impact – 26 years serving insurance market, last 7 with Aegon PlanLab – web based, enterprise-class planning platform Life Goals – goal based needs analysis program

Life Goals Differentiators Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Persuasive Presentations Little/No Training Needed Enterprise Platform

Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Persuasive Presentations = More Sales Little/No Training Needed = More Opportunities Enterprise Platform = Home Office Control Life Goals Benefits

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Life Goals Analysis Areas Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: 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

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Summary of Financial Goals Focus on Each Goal

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Summary of Financial Goals Focus on Each Goal Progress Bar

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Summary of Financial Goals Focus on Each Goal Progress Bar Recommended Amounts

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Summary of Financial Goals 2.Presentation Order Set order of goals Illustrate 1 or many goals

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: 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.

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: 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

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: 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

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

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

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

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

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: 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

What Sets Life Goals Apart? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: 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

Life Goals Presentation Flexibility Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Each Goal Section Includes: 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)

What Makes Life Goals Simple? Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Data Entry 1.Simple, Streamlined Navigation 2.Flexible Asset Entry Print Report 1.Easy to Find Numbers 2.Logical Calculation Flow LITTLE TO NO TRAINING NEEDED!

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Assets/Debts – Summary View Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph:

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Assumptions (Already Defaulted) Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph:

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Goal Details - Retirement

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Recommendations Screen – Survivor Needs Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph:

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Two Levels of Needs Analysis Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: Life Goals Goal based Simple Data Entry 5 modules Recommendations Financial Needs Analysis Cash flow based Flexible Data Entry 5 modules Scenario Planning

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Easy to Support Copyright © Impact Technologies Group, Inc. | All Rights Reserved | | Ph: My Site On-Demand Training Videos Product User Manuals Product Support (Impact) Phone: ext. 2 Website: Case Design Support Home Office Resources

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