Here`s - United Senior Brokerage / Proud partner of One Life America

One Life is established on Christian values that manifest themselves in the way we conduct business. This unwavering set of core values supports the organization and ultimately propels us to professional success. The following characteristics are the heart of our company:

INTEGRITY. One Life is devoted to the utmost standard of integrity. We believe this commitment is fundamental to the success of our business, as it furnishes our clients value and financial security. SERVICE. One Life seeks to be known for extraordinary customer service. Through our dedicated service, we desire to formulate lasting relationships with our clients that are built on trust, loyalty and eminent support. EXCELLENCE. One Life is dedicated to excellence in every area of its corporate existence. We are committed to providing the very best products and services the industry has to offer. TEAMWORK. One Life recognizes the importance of working as a team. In order to succeed in a brokerage capacity, it is imperative that we operate in an unselfish and cooperative fashion.

ONE LIFE INTRODUCT IO N History

• One Life America • Lead America

ONE LIFE INTRODUCT IO N Who Are We • Founded in Meridian, MS in 1984 by Ken Parker • Over the last thirty years, One Life has experienced tremendous growth and expanded its agent force to over 500 agents.

• One Life is now widely considered America’s premier final expense life insurance company. • Today, One Life operates all over the country through its field and call center operation and it offers a wide variety of products and services to a diverse client base.

ONE LIFE INTRODUCT IO N History • • • • • • • • • • • • • •

1985 - $312,000.00 1986 - $585,000.00 1987 - $1,000,000.00 1988 - $1,350,000.00 1989 - $1,500,000.00 1990 - $1,800,000.00 1991 - $2,100,000.00 1992 - $3,200,000.00 1993 - $4,100,000.00 1994 - $4,900,000.00 1995 - $7,500,000.00 1996 - $12,059,000.00 1997 - $16,960,000.00 1998 - $19,443,855.00

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1998 - $19,443,855.00 1999 - $21,834,320.00 2000 - $34,103,300.00 2001 - $48,000,000.00 2002 - $51,484,490.00

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2003 - 2009 Sold 20% of all MA business in the US

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2010 - $8,000,000.00 2011 - $10,000,000.00 2012 - $13,519,291.00 2013 - $20,410,493.00

• 2014 Goal - $25,000,000.00

One Life Agent Incentive Program • • • • • • •

Rookie Fast Start Cash Bonus Program Quarterly Cash Contests Sales Blazer Program One Life Incentive Trip Leaders Club Presidents Club Founders Club

One Life Rookie Fast Track Program New Agents First 12 Weeks Program • • • • •

$24,000 = Plaque and $150 Bonus $30,000 = Plaque and $250 Bonus $36,000 = Plaque and $350 Bonus $42,000 = Plaque and $500 Bonus $48,000+ = Plaque and $650 Bonus

*** Agent must be Active and Producing at the end of his or her first 12 weeks ***

ROOKIE FAST START AWARD WINNERS One Life Rookie Fast Track Program • • • • • • • • • •

$34,886.28 Justin Muckle - $250 BONUS $67,421.08 Robin Cano - $650 BONUS $63,993.96 KT Tyler - $650 BONUS $33,212.28 Colby Barrett - $250 BONUS $44,574.60 Alexander Diffey - $500 BONUS $57,713.76 Andrew Pryor - $650 BONUS $41,628.24 Matt Castillo - $350 BONUS $32,708.52 Ashley Padgett- $250 BONUS $65,784.32 Kevin McGill - $650 BONUS $41,104.08 Mike Zaino - $350 BONUS

Highest Earner: Robin Cano $67,421.08 - $650 BONUS

PUSH WEEK CONTEST

ONE LIFE PROGRAM 2014 Quarterly Cash Contest

ONE LIFE PROGRAM Quarterly Cash Contest 2014 Results

ONE LIFE PROGRAM Blazer Club

Any agent with $10,000 Production in 1 week will receive our Prestigious One Life Blazer and be welcomed as a member of the Blazer Club.

ONE LIFE PROGRAM One Life Convention May 10-14,2015 Five Days/Four Nights in Lake Tahoe • Round-trip Airfare for 2 People

• Transportation to Resort • All Meals & Beverages • Welcome Reception • Gala Awards Dinner • Choice of One Hosted Activity

PRODUCTION UPDATE Year – to – Date

PRODUCTION UPDATE Year – to – Date

Registering for agenttrax.net • • • • • • •

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ONELIFE AGENTTRAX SALES MANAGEMENT INSTRUCTIONS CLICK ON agenttrax.net (enter site) CLICK ON SALES MANAGEMENT TAB IF THIS IS YOUR FIRST TIME IN AGENTTRAX SALES MANAGEMENT YOU WILL NEED TO CLICK ON THE TAB LABELED CLICK HERE TO REGISTER. YOU MUST HAVE YOUR AGENT KEY (AKA – ONELIFE #) TO REGISTER COMPLETE EACH BOX AND CLICK SUBMIT ONCE YOU CLICK SUBMIT YOU WILL BE EMAILED A LINK TO CREATE A PASSWORD. (CHECK YOUR JUNK BOX IT WILL COME FROM [email protected]) CREATE THE PASSWORD AND CONFIRM IT. ONCE YOU CONFIRM YOUR PASSWORD IT WILL SEND YOU TO AGENTTRAX TO LOG IN. CLICK ON SALES MANAGEMENT (AGAIN) - ENTER YOUR EMAIL ADDRESS AND PASSWORD. THERE WILL BE A SCREEN WITH SEVERAL TABS ON THE LEFT HAND SIDE AT THIS POINT YOU CAN CHECK YOUR AGENT DETAILS, LICENSE STATUS, SEE YOUR APPOINTMENTS, OR ENTER YOUR PRODUCTION.

ONE LIFE UNIVERSITY

ONE LIFE UNIVERSITY

Lead System Agent Hub Agent Hub Registration Instructions The steps below need to be used once you have completed the One Life University Instructions. You will need your Referral Code and One Life Agent ID number to complete the registration process. • Go to http://agents.onelifeamerica.com/ • Select New Agents on the left side of the screen • Enter your Referral Code supplied by your manager (MANAGER: MANAGERS REFERRAL CODE) • Select continue if the Referring Agent is listed correctly • Complete the personal information page and select continue • Follow prompts to complete the registrations process Note: Will need to download Silverlight to access this website. If you need assistance please call IT at 800-748-0026 EXT 3344.

Introducing Agent Hub

ONE LIFE PROGRAM Direct Mail Leads

Sample Lead

Sample Lead

Lead Definitions • “A” Lead – New lead that has not been issued to an agent or worked • “B” Lead – Leads distributed 31- 365 days from the time issued to an agent, as an A lead, and was not sold • “C” Lead – Responders outside 365 days from the time issued to an agent, as an A lead, and was not sold

Credit Qualifications

PPL Examples 30A leads X $100 PPL = $3000 Annualized Premium

Example 1: 1 policy @ $250 monthly x 12 months = $3000 annualized premium = $100 PPL Example 2: 10 policies @ $25 monthly X 12 months = $3000 annualized premium = $100 PPL 40A LEADS x $100 PPL = $4,000 AP 50A LEADS x $100 PPL = $5,000 AP

“B” and “C” leads supplement the “A” leads

PPL Scale For Receiving Leads On The New Free Lead System

How PPL is Calculated 1 2 3 4 5 6 7 8 9 10 11 12 TOTAL WEEK 13 NEW PPL

40 40 0 10 54 38 45 40 40 38 40 35 420 35 415

0 1 0 0 2 0 2 0 3 0 1 0 9 0 9

$3,359.64 $2,691.36 $2,775.00 $1,118.64 $3,846.72 $2,727.92 $4,209.25 $4,924.56 $6,545.63 $2,116.19 $4,100.00 $3,131.15 $41,546.06 $2,005.25 $40,191.67

83.99 67.28 No 111.86 71.24 71.79 107.34 123.11 184.05 55.69 97.8 89.46 101.93 57.29 98.99

NEW AGENTS • New Agents must submit $2000 Annual Premium off of “B” and “C” Leads before getting any “A” Leads • Note – If there are “B” and “C” leads available in the areas they work

RE-ORDERING LEADS You have to wait 7 days to order more leads or turn in $100 PPL for the week. Example: If you order 30 leads and you turn in $3000 AP then you don’t have to wait the 7 days. If you qualify for 40 leads and you only order 20 then the other 20 do not roll over. The count is real time.

How To Turn In Business • FAX in business daily when possible • FAX business to 866-357-9442 • You can email to [email protected] (you must have a One Life Email Address to email applications to agent services) • Agent Services Hours are 8:00 AM to 5:00 PM CST Monday - Friday

One Life Marketing Material and Business Cards On Line Instructions We have great news! You can now order your One Life Marketing Materials online and use your credit card to pay for the Presentation Manual. This will speed up the processing and shipping so that there is no need to mail order forms and checks and wait for the Post Office to get it to us. Please make sure to forward this message along to your down line agents and managers as. Faxed, mailed or emailed orders of the old forms will no longer be accepted as of 7/14/2014. Here’s How: • Click on this link (a “Marketing Materials” tab will soon be on our website) http://www.onelifeamerica.com/salestools • You will now be prompted to use a username & password • Username – olamarketing • Password – september1supply *** The password is subject to change once per month and you will be notified of the new password immediately

One Life Marketing Material On Line Prescription Drug Card Presentation Manual & Starter Kit - $50.00 This is where you will order your Presentation Manual with complete with sales presentation, carrier information, rates, tri-close tablet and delivery notice pad. The quantity drop down menu will allow you to order from 1-5 manuals at a time. If ordering more than one, please indicate who they are for in the comment section. • • • • • • • • •

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Click on the Presentation Manual & Starter Kit title Fill in all required information (if you do not know your One Life ID Number, please contact your manager) Make sure to choose the correct quantity as you will be billed $50 per manual When information is correct, click on “Review Order” Your information will now be shown. Make sure to check your quantity. If correct, click on “Continue and Make Payment” Your total dollar amount that you will be charged is now showing. If correct, click on “Pay Now” You do not need a PayPal account to make your payment. If you do use your PayPal account, enter you PayPal account information to login. If you do not have a PayPal account, click on “Pay with a debit or credit card, or Bill Me Later” If you are using your PayPal account, complete the payment confirmation If you are using a debit or credit card, fill in all of you card, personal and shipping information and click “Pay” at the bottom • PayPal would like to have you as an account holder. You can either create and account or click on “No Thanks” to complete the order You should now see a “Thanks for you order screen”, which indicates that you order is complete

One Life Marketing Material On Line Reorder Supplies This is where you will order Tri-Close tablets (for quoting) and Delivery Notice pads (for leaving on the door if client is not home). These are no charge for these and you are allowed to order a maximum of two each. Note, if you are ordering a Presentation Manual, it comes complete with 1 of each the Tri-Close and Delivery pads. • Click on the Reorder Supplies title • Fill in all required information (If you do not know your One Life ID Number, please contact your manager) • Enter the quantities of each item • Click on “Review Order” • Your information will be shown. If correct, click on “Submit Order” • You will now see an order submitted message confirming that your order has been placed • If you wish to order a presentation manual, click on “Supply Ordering System” in blue above where is says Reorder Supplies

Carrier Supply Orders Each of our carries has a variety of different marketing materials that you can order or download directly from them. Some examples of the supplies are Foresters who has point of sale folders and Americo who has final wishes books. Below is a list of websites that you can visit for each carrier and login to the agent portal using your credentials. If you do not know your credentials (username and password), I have added the phone number directly to their Marketing Department that should help in finding that information. •

Foresters – www.foresters.com to login to your agent portal. The product that we sell is Plan Right. For help you can call 866-466-7166

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American Amicable – www.americanamicable.com to login to your agent portal. The products that we sell are the Family Solutions and Golden Solutions. For help you can call 800-736-7311 ext 3366.

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Americo – www.americo.com to login to your agent portal. The plan that we sell is the Ultra Protector. For help you can call 800-231-0801 x8410 or email sales [email protected]

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Liberty Bankers – www.libertybankerslife.com to login to your agent portal. The plan that we sell is the SIMPL Plan. Attached is an order form that needs to be filled out and faxed to LBL for supplies (fax number is on form). You can print off forms before you have a writing number with them by going to the website. The login is life and the password is agent.

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Kemper - http://portal.reservenational.com/forms.aspx to see forms buy state. The Plan that we sell is the GI Whole Life. You can print these applications to use in the field. You can order from them by calling them at 877-877-0199 or faxing in the attached order form.

Delivery Notice

One Life Quote Sheets

One Life Quote Sheets

Help Desk • Email [email protected] • Call IT Support at 866-940-7624 • Hours 7AM to 5PM CST

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FORESTERS Great rates Simple application & process Phone interview with immediate decision on issue Excellent agent services – get immediate email with certificate # Get immediate email if there is a problem with an application (ie. draft doesn’t go through)

• Draft 1-28th or 2nd,3rd or 4th Wednesday of each month • • • •

Foresters Apptical Number - 866-844-9276 Must turn in application whether client proceeds or not Set as favorites on cell and always use speaker phone Contest for 2014

AMERICAN-AMICABLE • • • • • • • • • •

ROP up to $20,000 and goes to 85 years old Simple Application and Process/Easy short app for both family plan Light House Legacy and Advantage Phone Interview with immediate decision on issue Grandchild/ Great Grandchild Rider ADB Rider up to 80 years. Last until 100 years Draft 1-28th or 2nd,3rd or 4th Wednesday of each month Family plan (Lighthouse Advantage) goes from 0-49 (no phone interview from 0-39. Darren says they will issue these age groups with no problems most of the time? Daily updates with walk through process (ie. Draft doesn’t go through) ROP to age 85 Contest for 2014: Kaua’I, Hawaii

AMERICO • Ultra Protector • Ultra Protector I • • • •

No phone interview 1st day coverage ABD rider available Children’s term rider available

• Ultra Protector II ( 50-80 ) • • • • •

1st day coverage ABD rider available Tobacco is for cigarette smokers only Smokers are UPII and aren’t competitive with AAI and Foresters UP II will take Lupus, Parkinson’s, Hepatitis, COPD, Emphazema, Lung Disease, Some Heart Attach and Stroke cases 1st day full benefit • Children's term rider available

• Ultra Protector III • No questions • 50 – 75 (true guaranteed issue)

AMERICO • Eagle Series • Level Death Benefit • Accidental death benefit rider automatically included for Eagle Premier Level • Guaranteed level premiums • Smoker Definition – cigarettes only. Pipe / cigar or smokeless tobacco qualify for non-smoker rates. • Issue ages • Non-Smoker: 50 – 85 • Smoker: 50 - 80 • 40 – 49 available for companion sale of Eagle Premier Level • Minimum: $2,000 / Maximum: $30,000 • Commissions paid quick to Agent (within 24 – 48 hours) • Phone Interview Required • Entire application taken over the phone – agent only completes worksheet • Policy will typically be mailed within 24 hours • Immediate decision and policy # given on phone call

AMERICO Contest for 2014 - London

LIBERTY BANKERS LIFE • For Direct Express Payments Only

KEMPER • True Guaranteed Issue • No Health Questions

• Ages 40 - 80 • Coverage: $5,000 to $25,000

Gerber • • • • •

True Guaranteed Issue No Health Questions Ages 5 - 80 Coverage: $5,000 - $25,000 Direct Express, Credit & Debit Cards, Direct Bill are all excepted • Rates for checking / savings different from Credit & Debit Cards and Direct Express

Appointment Setting

The System is the Magic Prospecting Program 1. We’ve owned a mail house for 22 years targeting the Senior Marketplace for final expense. 2. We mail in large quantities to ensure that our agents have plenty of fresh leads to work (average agent at One Life works 30 fresh, exclusive direct mail leads a week). 3. Our direct mail leads are completely free to the agents! 4. Every agent has their own portal that they log into weekly to place orders and receive their leads. • Training Program 1. We have one scheduled conference call per week that will highlight different training topics. 2. One Life University - Online Training available 24/7 complete with product information, sales presentations, and various other useful videos. 3. One Life Academy – three day new agent training and orientation held at the home office in Meridian, MS. 4. National Sales Trainer on staff.

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Recruiting Program 1. 2. 3. 4.

Opportunity Meetings –to highlight the One Life program to new recruits. We will host Opportunity conference calls as needed to assist with recruiting. Career Builder – each post is a descriptive advertisement for career with One Life Licensed Agent Database (FMG) – We have full access to a licensed agent database where we can pull list of licensed agents by geographical location, license type (life, health, P&C, etc.), how long they have been licensed, what companies they are licensed for and more. This list can be as specific as you would like or as simple as all life agents in a specific area. There are two ways to utilize this list with no additional cost: • Email Blast - We can pull your requested list and send a recruiting email in that area. The campaign will last a full month and each person will receive a total of 4 emails during the course of that month (once a week for 4 weeks) • Cold Call List - I can pull a list of license agents with you requested parameters and email that list to you. You can email them yourself, call or send a postcard or letter. Use the list however you want to generate interest. • Direct Mail - We will generate a list of licensed agents in a requested area and drop a postcard or letter explaining the One Life opportunity. This is on a test basis initially as we gather data for effectiveness • Craig’s List Ads - Each of you can post. They are free. Work with David Hosch on content and strategy. • Warm Market Recruiting - Get Lists from your new recruits. These will always be our best recruits and agents!!

• Incentive Program 1. Rookie Fast Start Program 2. Quarterly Cash Contests 3. Christmas Cash Contests 4. Distinguished Clubs (Crystal awards, Diamond rings, Rolex watches) 5. One Life National Sales Convention (all expenses paid five-star trip) • Product Portfolio 1. Foresters 2. Americo 3. American Amicable 4. Liberty Bankers Life 5. Kemper Life • Commission Program 1. Daily pay from carrier partners 2. Direct deposit into your bank account 3. Day one vesting

One Life Academy It is finally here! Make registering for the One Life Academy a breeze by registering online at http://www.onelifeamerica.com/careers/index.cfm/academy/. Make sure to forward this email to all of your new recruits to who need to register for the Academy as paper registration form are no longer accepted. Below are instructions. Paper registration forms are no longer accepted. Those paper forms that were received over this weekend will be processed. If you do not have a credit or debit card, you can register online and mail a check to One Life – Attention David Hosch – 3800 Hwy 45 North – Meridian, MS 39301 • Click on this link to go directly to the registration http://www.onelifeamerica.com/careers/index.cfm/academy/ • Click on "Register Now" at the bottom of the page • Complete the registration form by filling out all blocks making sure to choose the correct date for the Academy you're attending • If you do not have a roommate in mind but would like to share a room with someone, please enter "roommate" in that block and we will select one for you • Click "Continue" at the bottom of the screen • You will now be redirected to a "Registration Payment" page where you will select "Single $200.00" or "Double $100.00“ • Click "Pay Now" • You have now been redirected to the PayPal payment screen • If you do not have a PayPal account, click on "Don't have a PayPal account?" and you will be able to pay with a credit or debit card Complete your payment information by credit or debit card or by using your PayPal account You will receive a confirmation call within a few days from the One Life Marketing staff with more information about the Academy

One Life Academy Dates Meridian, MS

• October 6-8, 2014 • December 8-10, 2014 • February 2-4, 2015

Scott’s Keys to being Successful with One Life America •

7-10 Appointments per day

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Ask basics when setting appointments – don’t sell over phone

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Assume sale

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Have box In car with extra applications and supplies – both company supplies and your supplies (black and red pens, business cards)

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Don’t call see everyone?

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Know your products – product knowledge

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Stay busy – Do Drive By’s / Be persistent and proactive

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Maximize leads

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Assume have a bank account

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Show example of applications

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Ride in car with manager if struggling – don’t be prideful

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Be Honest and Dependable

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Communication is key – PROMPT RETURNED PHONE CALLS and EMAILS FROM YOU AND US

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Get into a routine (ex. Pull leads on Friday and Saturday and work Monday through Thursday)

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WORK, WORK, WORK