1. Final Expense Carrier Training
Sales Congress

2. PlanRight Final Expense
Foresters Financial
PlanRight Final Expense

3. Foresters | We believe in making a difference
Foresters is driven to share, not shareholder driven!
Fraternal benefit society
Not-for-profit membership organization
Welcomes members sharing common bond or purpose
Local community branches
Provides mutual aid programs to our members and their communities
Membership begins with purchasing one of our The Independent Order of Foresters products and receiving a certificate

4. Foresters | Technology @ Your Fingertips
Manage your business 24/7
Mobile technology
Available on Apple Store & Android app store
View inforce & pending business
View producer production
View client info
Make a direct call
Send an
Built-in Google maps function

5. Foresters | Technology @ Your Fingertips
Mobile quoting tool – Forestersquotes.com
Ability to quote
Your Term
Smart UL
Advantage Plus
PlanRight
Prepared Accidental Death
Underwriting guides
Need analysis tools
Mortgage protection
Lifestyle protection
Cash flow
Final expense

6. Foresters | Support is just a call away
Foresters Financial Sales Support Team
Single point of contact
Assistance with:
Illustration software
Product training
Website navigation
Assist with sale solutions
Ordering materials
Phone: , option 1
Hours: Monday-Friday 8:30am-7pm ET

7. Foresters | PlanRight
Quick Application Process – Foresters FinancialTM relies on applicants’ answers to health & lifestyle questions and a personal health interview (PHI)
No: Medical exam, blood profiles, or HOS
Yes: MIB, Prescription history, PHI, and Build chart
Quick Underwriting – Producers will know medical eligibility prior to leaving client’s home
Quick Issue - Quick Pay in your pocket
Face amounts - from $2,000 to $35,000
Underwriting
Non-Tobacco or Tobacco only
Sub-standard ratings are not available. Once issued no changes in underwriting class allowed

8. Foresters | PlanRight
Death Benefit determined by answers on application
1. Level Death Benefit
Based on 100% of the Face Amount*
2. Graded Death Benefit
Based on greater of:
Year 1: 30% of face amount; or ROP + 4.5% interest
Year 2: 70% of face amount; or ROP + 4.5% interest
Year 3: 100%*
3. Modified Death Benefit
Based on ROP+10% in years 1 and 2
100% of the face amount from year 3+*
*Applicable amount plus unearned premium minus certificate debt such as loans.
Issue Ages (ALB)
Face Amounts
50 – 80 yrs
$2,000 - $35,000
81 – 85 yrs
$2,000 - $15,000
Issue Ages (ALB)
Face Amounts
50 – 80 yrs
$2,000 - $20,000
81 – 85 yrs
$2,000 - $10,000
Issue Ages (ALB)
Face Amounts
50 – 80 yrs
$2,000 - $15,000
81 – 85 yrs
Not Available

9. Foresters | PlanRight

10. Foresters | PlanRight

11. Foresters | PlanRight | Real-Time Underwriting
Supported by Apptical
Phone:
Hours:
M-F 8:30 am to 2:00 am ET
S & S 10 am to 10 pm ET
Focus on the sale not the underwriting process
Know the client’s medical eligibility before leaving the client’s home
Apptical Mobile App
Call Me Now
IDLegit

12. Foresters | PlanRight Premiums Payable to age 121
1035 exchange not allowed
Premium Modes & Minimums
Certificate Fees
$36 annually (commissionable)
Benefit period
Endowment at age 121
Cash value
Guaranteed and vary based on gender and tobacco status
Available upon full surrender only
Premium Mode
Minimum Premium
Modal Factors
Monthly PAC
$10
.0875
Quarterly
$30
.26
Semi-Annual
$50
.51
Annual
$100
1.00

13. Foresters | PlanRight Important dates in application process
Stale-dated application
Application must be received in home office within 10 days of when the application was signed
This includes applications that were declined
If not received, producers ability to sell PlanRight in the future will be affected
Application date
Must be dated using the same date application was completed and signed by proposed insured and the same date the personal health interview was completed

14. Foresters | PlanRight | Riders Available
Value added riders:
(automatically included for no additional premium)
Common Carrier Accidental Death Rider
Optional riders:
Accidental Death Rider (available only on PlanRight level DB)

15. Settlers Life
Silver Plan

16. Settlers Life | Silver Plan
Immediate benefit whole life
Level premium, regardless of age
For clients who have experienced good health for the past 2 years
11 health questions

17. Settlers Life | Silver Plan
Maximum Face Amount
6 months – 65 years: $25,000
66 years – 75 years: $20,000
76 years – 85 years: $15,000
Minimum Face Amount: $1,000

18. Settlers Life | Silver Plan | Pay Options
Single pay
Lifetime pay
Twenty year pay
Ten year pay

19. Settlers Life | How to complete your first ExpressApp…
STEP 1 Once your client has agreed to purchase a Settlers Life policy, pull out the appropriate ExpressApp packet for the state in which you'll be writing the app. STEP 2 Review the Health Questions (inside the ExpressApp packet) with your client to determine which Settlers Life plan he/she qualifies for and complete the ExpressApp worksheet if you choose. This will help walk you and your client through the ExpressApp interview. NOTE, if you do not have an SSN for your client, you must complete a paper application.

20. Settlers Life | How to complete your first ExpressApp…
STEP 3
Call , option 2 for the ExpressApp interview. Remember to have your writing number ready!
At the end of the call, the interviewer will tell you:
The plan your client was approved for
The policy number
Any supplemental forms you need to submit via fax

21. Settlers Life | How to complete your first ExpressApp…
STEP 4 Note the policy number and any required forms on the back of your ExpressApp worksheet for your reference. Complete and have your client sign any required forms and leave the policy disclosures and product summary (found in your ExpressApp packet) with your client. STEP 5 Spend less time working and more time doing what you love!

22. Settlers Life
How to complete
your first ExpressApp

23. Settlers Life
ExpressApp FAQs
Can Grandparents complete an ExpressApp?
Minor grand-children are acceptable.
Can you do remote sales?
No, you are required to meet face-to-face and all signing parties must be present to complete an ExpressApp.
If any signing party is absent, a paper application must be submitted.
We are unable to skip ahead during an ExpressApp to obtain voice signatures.
Do I have to send a voided check?
If a PAC – Draft 1st premium – PAC information is gathered on the call.
If premium is collected (direct bill or PAC – collect 1st premium) initial premium must be sent to Settlers Life via fax (using the authorization on the Fax Cover Sheet) or mail.
Please include the policy number on the premium sent in.
Do I have to use an ExpressApp?
No, but you should try. The policy will be issued more quickly resulting in you getting paid faster.

24. Settlers Life ExpressApp FAQs When would I NOT use an ExpressApp?
POA/Guardianship/Custodianship relationship exists for a client who is of legal age of majority and the client cannot complete his/her own interview.
Can a husband and wife’s application be done simultaneously?
While both can be completed with one phone call, ExpressApp is not currently built to allow two applications simultaneously. Each application requires a separate interview in order to clearly capture information, make the decision, and collect voice signatures.
Can I use ExpressApp for companion applications?
While this can be completed with one phone call, currently the entire ExpressApp must be completed for each companion application.
Will I get referred to underwriting?
Most of the time, no.
Due to the sensitive nature of AIDS/HIV, these cases will be automatically referred and cannot be discussed during the call.
If we receive an MIB hit and the client denies it, we refer to Underwriting.
Do I have to have the ExpressApp Packet when I meet with my client?
Yes. The ExpressApp packet includes necessary disclosures which must be left with your client.

25. Can I do ExpressApp on Bronze?
Settlers Life
ExpressApp FAQs
Can I do ExpressApp on Bronze?
Yes! Since this is a tiered application process based on the answers to health questions, Gold, Silver, and Bronze (Bronze II in NC) Plans may use ExpressApp.
Are paper applications being updated? No
Is the application on-line?
No, everything is done over the phone.

26. Graded Benefit Whole Life
United Life
Graded Benefit Whole Life

27. United Life Established in 1962, based in Cedar Rapids, Iowa
Solid A.M. Best Company rating; A- (excellent)
Financial strength & stability. No debt!
Exciting changes April 1st;
Changing from a subsidiary of United Fire Group (NASDAQ: UFCS)
To operate independently as a subsidiary under private company Kuvare US Holdings, Inc.

28. United Life | Graded Benefit Whole Life
When worried about insurability or med testing…
Guaranteed ultimate death benefit; $5k - $50k
Issue ages 18 through 90
Rate based only on age & gender
Guaranteed level on-going premium (no increases)
Cash value accumulation
Automatic Premium Loan

29. United Life | Application & Approval Process
Three knock-out questions, so you know immediately whether the applicant will qualify for coverage, or not;
ANY ‘Yes’ answer = decline
ALL ‘No’ answers = approval
Questions to follow…

30. United Life | Knock-Out Question #1
Within the last five years, have you been advised by a member of the medical profession to have surgery requiring general anesthesia or diagnostic tests, except those tests related to HIV (AIDS virus), which were not completed?

31. United Life | Knock-Out Question #2
Are you currently hospitalized, confined to a nursing home, receiving hospice care, institutionalized, waiting for an organ transplant or, within the last 12 months, received kidney dialysis?

32. United Life | Knock-Out Question #3
Have you been diagnosed as having a terminal medical condition that is expected to result in death within the next 12 months?

33. United Life | How GBWL Benefits are Paid*
Note: Coverage is contestable during first two policy years.
*Scenario when a commission charge-back takes place.

34. United Life | Support Materials Available
LIP-953
large brochure
LIP-966
Rate Sheet

35. United Life | Best-in-Class Service
Call and speak directly with their;
Underwriters
Marketing & Customer Service reps
Claims examiners

36. Guaranteed Issued Whole Life
Gerber Life
Guaranteed Issued Whole Life

37. Gerber Life | Product Overview
Issue Ages: 50 – 80
Face Amounts: $5,000 - $25,000
Payment Options
ACH – discounted up to 8%
Credit Card
Direct Express
One-page application
Guaranteed Approval

38. Gerber Life | Product Overview
Two Year Graded Death Benefit
If death occurs within the first two policy years for any reason other than an accident, all premiums shall be paid to the beneficiary, plus 10% interest on earned premiums.
Earned premiums refers to the portion of the paid premium that has been applied to the policy.
Chargeback
First year – 100%
Second year – 50%

39. Gerber Life How to calculate a premium

40. Gerber Life | New Business
1st application submission process
 Agent submits 1st application to Capmar
Submission of On-Going New Business Application
An appointed agent can login and submit business via the following ways:
Gerber portal
Fax NEW BUSINESS APPLICATION(s) and applicable Forms with Fax cover sheet to:  Fax
Gerber Life Insurance Company
Attention:  New Business Supervisor
445 State Street
Fremont, MI  49412   
           

41. Gerber Life | New Business
Supplies: Supplies are down loaded via the Gerber Agent portal Commissions: Agency/Agent will be compensated per the terms of the contract Commissions will be paid two times per month Commission statements will be ed twice a month $25.00 is the minimum amount for generating a commission payment.

42. Gerber Life New Business

43. Questions
Sales Congress