Presented By: Rick Stolz, President, Since Local Toll Free Fax Instrumental in the design and creation of this unique product being brought to market!!!

New ERA For Cigarette Smokers!!! New Non Smoker Term Rates Unique – 1 st to market

Sentry Life Insurance Company Approved States Commit To Quit Product Overview Application Process Contracting & Commissions Opportunities Questions Contact

Established: 1958 A+ rating Licensed to do business in 49 states Assets*: $5.3 billion Surplus*: $271 million Annual Premiums*: $558 million * As of 12/31/2014

Future filings CA, CT, DC, DE, FL, MT, ND, SD

Decreasing term product - marketed to smokers This is a slow decrease as apposed to past plans whose premiums would double

Decreasing term product Offers the ability to lock in current death benefit Upon proof of smoking cessation benefit locks in at that time

Decreasing term product Offers the ability to levelize death benefit Three level premium options 15, 20, or 30 year level Issue Ages – 18 to 50 Convertible for the first 5 policy years

Decreasing term product Offers the ability to levelize death benefit Three level premium options Competitive premiums Riders Accelerated Death Benefit - Included Accidental Death Benefit - Optional Waiver of Premium - Optional Children's Rider - Optional

Male Preferred Smoker Age 40 $500,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$1, Sentry Life$1,275.00Sentry Life$2, Transamerica$1, Transamerica$1,515.00Transamerica$2, MetLife$1, SBLI$1,530.00SBLI$2, Banner Life$1, MetLife$1,539.00MetLife$2, SBLI$1, Banner$1,540.00Banner Life$2, N American$1,180.00American Gen.$1,544.00N. American$2, $1,000,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$1, Sentry Life$2,460.00Sentry Life$4, Transamerica$2, Transamerica$2,860.00Transamerica$4, SBLI$2, SBLI$2,890.00SBLI$5, N American$2, American Gen.$2,904.00MetLife$5, Banner Life$2, Banner Life$2,910.00Banner Life$5, American Gen.$2,274.00ReliaStar$2,910.00N American$5,035.00

Female Preferred Smoker Age 40 $500,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$ Sentry Life$1,000.00Sentry Life$1, Minnesota Life$ Transamerica$1,205.00Transamerica$1, Transamerica$ SBLI$1,215.00SBLI$1, Assurity$ American Gen.$1,219.00Banner Life$1, SBLI$ Banner$1,220.00N American$1, American Gen.$984.00ReliaStar$1,225.00Assurity$1, $1,000,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$1, Sentry Life$1,910.00Sentry Life$2, Transamerica$1, Transamerica$2,270.00Transamerica$3, N American$1, SBLI$2,290.00SBLI$3, Banner$1, N American$2,295.00N American$3, SBLI$1, Banner$2,300.00Banner Life$3, Minnesota$1,755.00American Gen.$2,334.00American Gen.$3,554.00

Drop Ticket Request Required State Forms will be generated Generates a Temporary Number Identifier before a policy number Call center contacts the Proposed Insured Client voice signs Exam is scheduled

Contracting paperwork can be submitted with first application Exception is Pennsylvania requires prior approval Agent level commissions no production requirement 80% 30yr 75% 20yr 70% 15yr GA Contracts available – 85%, 90%, with production requirements Higher Commission Levels above 90% require prior approval

In 2013, an estimated 17.8% (42.1 million) U.S. adults were current cigarette smokers. Of these, 76.9% (32.4 million) smoked every day, and 23.1% (9.7 million) smoked some days 20.5% are males 15.3% are females 20.1% are between the ages of 25 – % are between the ages of 45 – % are Whites 18.3% are Blacks 12.1% are Hispanics 26.8% are Multiple Races * Content source: Office on Smoking and Health, National Center for Chronic Disease Prevention and Health Promotion, Centers for Disease Control and Prevention

Fully Underwritten Life - Impaired Risk Life – Diabetic, HT/WT, Cancer, Heart Simplified Issue Whole Life – up to A89, Yes/No application, Single Premium option, Cancer after 1yr, Lupus… and many more Senior Market Products – Final Expense Life, Medicare Supplement Annuities – Single Premium immediate and deferred Disability – Long Term and Short Term – Blue and White Collar Travel Medical – Individuals and Groups to and from U.S.A., Citizens and Non Citizens, Senior Market Short Term Medical Long Term Care

Diversified Ins. Brokers 730 Holcomb Bridge Rd Norcross, GA (fax)