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PresentationPresentation The Brokerage, Inc. Rod Frizzell & Mike Smith

Presentation GoalsBreakdown thebenefits ofmultiple linesof coverageDetermine yourclients’ needs.

LIMRA Statistics An agent with one line of coverage on a client hasa 70 percent chance of losing the client within athree-year period. Two lines of coverage on a client, 30 percentchance of losing client over same year period. Three or more lines of coverage on a client hasonly a one percent chance of losing clients overa three year-period.

Agents better retain clients whenthere are three or more lines ofbusiness tied to a client.

Who figured this out first?Property and CasualtyCarriers

Ifclients buy a home owners’, carinsurance, or boat/motorcycle policy,they receive a 25 percent discount.

So How does having threepolicies with a carriermake a client a 25 percentbetter driver?

Persistency Thecompany makes moneybased on the length of timethe policy stays in force

What industry perfectedCross Selling the most?

Thefast food industrySo image thecapabilities of theinsurance industry!

Howdo you determine yourclients' needs through ClientProfile (Fact Finder)?

Step One Setup a call center or make your own calls TBIhas a call center that is open to all of ourcontracted agents to call and set appointments

Step Two ClientProfile (Fact Finder) Identify Youa needdon’t sell a product; youprovide a solution

PRODUCTS AVAILABLE

Unique Features of SDS Exclusively Nothrough The Brokerage Inc.waiting period on any benefits LifetimeDeductible Benefitvalues increase the first three yearscovered under the plan Nopenalty for out of network providers

SDS is an Association Plan OfferedthroughNationalAssociatedBuying ServicesAssociation

Unique Covered Features Coverage is provided for oral brush biopsy todetect oral cancer Posterior composite/resin fillings are covered(white fillings on back teeth) Implants and veneers age 16 and over

Superior Service 99.81 percent of calls answered on first contact – over 211,000calls answered in 2017 96.37 percent of claims processed within 10 days or less Strong national provider network with over 300,000 access points Networks are: Maximum Care, Maverest, Connection Dental Finding a dentist: www.renaissancedental.com

Stacked PPO Network Combined access of Careington andDenteMax national PPO networks.Medicare compliant. Discounts of 2540% Connection Dental (PPO USA) has astrong rural presence, discountsaveraging 25-30% and is URACaccredited and Medicare compliant. Proprietary network supportingtargeted recruitment in selectlocations.

SDS Enrollment Form

Administrative Rules 1st and 15th of the month effective dates Application must be in our office by the 25th for the 1st of the month effectivedate and by the 10th for the 15th of the month effective date Two ways to pay: AFT and Credit Card AFT is drafted on the 5th of the month Credit Card will be billed on the 1st of the month List bill for employers with three or more participants Ten percent lifetime commissions

Getting Contracted Goto www.thebrokerageinc.com Send Callan email to dental@thebrokerageinc.com1-800-442-4915

American NationalHealth DivisionFor authorized use only. Not for public use.

Product Portfolio Medicare Supplement Final Expense Life Short Term Recovery Care Term Life Cancer Accident Hospital Indemnity Critical Illness Limited Medical Short Term Limited MedicalWorksite availability for Health and LifeFor authorized use only. Not for public use.American National Health Division

For authorized agent use only. Not for public use.American National Health Division

Product OverviewRecoveryCare II is a short-term nursing facility insurance solution that assists with the financialimpact of paying for short-term convalescent care needs.Issue Age: 50-79Daily Benefit Amount: 50 - 300Benefit Period: 180, 270 or 360 daysElimination Period: 0 or 20 daysAvailable Riders:– 5% Compound Inflation– 5% Simple Inflation– Home Health CareAvailable Discounts:– Preferred Underwriting 20%– Spousal Discount 10%– List Bill 5%For authorized agent use only. Not for public use.American National Health Division

Built in BenefitsRestoration of BenefitsFull benefits will be restored if less than Lifetime MaximumBenefit is used for any one stay, up to 2 times the MaximumBenefit. – Available on 180 day Benefit Period Only in TXBed Reservation BenefitsIf a client is receiving care in a Skilled Nursing or AssistedLiving Facility and has to be hospitalized, the Company willcontinue to pay the Skilled Nursing or Assisted Living Facilityto reserve accommodations in the facility for up to 21 days percalendar year.Waiver of PremiumOnce benefits become payable, premiums will not be requiredto continue coverage. Premium payments will resume upondischarge from the Skilled Nursing or Assisted Living Facilityunless the Lifetime Maximum Benefit is paid out.For authorized agent use only. Not for public use.American National Health Division

Available RidersHome Health Care This rider will pay up 75% of the Nursing Facility Daily Benefit for expenses incurred for services of aHome Health Care provider There is no elimination period and benefits will be paid for a maximum of 90days After 90 days of benefits, the Rider will terminateSimple Inflation The automatic annual increase will be equal to 5% of the initial Maximum Daily Benefit amounts shownin the Schedule of Benefits and the date of Policy issue. Annual Increases will not be compounded After 20 years, the amount will remain level at 200% of the original amount issued.Compound Inflation The automatic annual increase will be equal to 5% of the Maximum Daily Benefit in effect on themost recent anniversary.*American National Health Division representatives are not authorized to give tax advice and any tax questions should be verified with a tax professional.For authorized agent use only. Not for public use.American National Health Division

Sales Ideas:Affordable Alternative to Long-Term CareA Complement to Long-Term Care CoverageFor authorized agent use only. Not for public use.American National Health Division

Sample Rate:TX Female55 years old 150 Daily Benefit360 LifetimeMaximum Benefit0 EliminationPeriodHome Health CareTotal MonthlyPremium: 29.30Rate Calculator Now Available!*American National Health Division representatives are not authorized to give tax advice and any tax questions should be verified with a tax professional.For authorized agent use only. Not for public use.American National Health Division

Underwriting/General Information: Yes/no application with a follow-upunderwriting phone interview NEW Point of Sale Interviews AvailablePreferred Option Available – SeeUnderwriting Guide To enact benefits, the insured must beunable to perform at least 2 ADLS ordeemed a medical necessity by a doctor Claims can be filed directly with companyfor direct payment or insured may assignbenefits to the facility*American National Health Division representatives are not authorized to give tax advice and any tax questions should be verified with a tax professional.For authorized agent use only. Not for public use.American National Health Division

Convenient Phone Enrollment. Are you looking for an easier way to processyour applications? High fuel prices leaving you prospect-less? Does all the paperwork bog you down? Tired of having to fax, mail, or overnight theapplications to the carrier?How about a Telephone Application Process?You no longer have to see your clients to complete a sale.For authorized use only. Not for public use.American National Health Division

ScanitScan your applications directly into oursystem for faster processing! Avoid mail delays Legible copies compared to faxes Automatic policy confirmation Upload additional documentsNew Features Drag and Drop Files Track DownloadsFaster issue means fastercommissions! Export Download FilesFor authorized use only. Not for public use.American National Health Division

Bonus Lead ProgramLead Choices: 1,000 piece Direct Lead Mailing 5,000 name Consumer Prospect List Telemarketing leads for Limited Medical Insurance, Medicare Supplement or Final Expense E&O coverage through NAPA 340 cash reimbursement with proof of lead purchase 300 cash bonus with no proof of lead purchaseNo limit on how many times you qualify for this program!* See Lead Program memo for more details on qualificationsAmerican National Health DivisionFor authorized use only. Not for public use.

Bonus Lead ProgramLead Credit Qualifications: Medicare Supplement: 10 issued and paid applications* Life Insurance: Produce only 4,000 of Standard Life issued and paid annualized lifepremium* Combined Premium: Produce only 5,000 (Individual Limited Medical and Short TermLimited Medical count at 50%) of combined issued and paid annualized premium, whichincludes any combination*No limit on how many times you qualify for this program!* See Lead Program memo for more details on qualificationsAmerican National Health DivisionFor authorized use only. Not for public use.

Why We’re Different: Personalized Marketing SupportToll-free, Monday – Friday, 8:00 am – 4:30 pm, CST Website Access (www.slaico.com)Online reports and forms available 24/7 Application SubmissionExpertApp (ANTEX/Life only), Scanit, Telephone, orFax – quicker processing time Draft Premium, including initialAll payment modes from checking or savings accountCredit card payments for health only AdvancesAdvances vary from 5 to 12 months depending on product and premiummode Full menu of Health and Life products including WorksiteFor authorized use only. Not for public use.American National Health Division

For further information, please contact aMarketing Representative at800.442.4915E-mail us atInfo@TheBrokerageInc.comWe look forward to hearing from you.For authorized use only. Not for public use.American National Health Division

CIGNASUPPLEMENTALHEALTH SOLUTIONS 2018 Road Show brought to you by The BrokerageAgent/Broker Use OnlyU.S. INDIVIDUAL SALES TRAININGConfidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. 2018 Cigna4

Ancillary Sales Made Easy!Cigna Supplemental Benefits

Why the need for Cancer and Heart Attack & Stroke plans? 1 out of 2 men & 1 out of 3 women will get cancer in their lifetime About 77% of all cancers are diagnosed in persons 55 or older Cancer, Heart & 174B is the projected cost of cancer in the USA in 2020Stroke Statistics Cancer is the 2nd most common cause of death – 1 out of every 4 deaths Heart Attack is the number 1 cause of death for both men & women 7.9M living Americans have suffered a heart attackKNOWTHE FACTS&STATISTICSFOR AGENT USE ONLY

Agent/Broker Use OnlyWhy the need for Cancer andHeart Attack & Stroke Insurance?Why the need for Supplemental Insurance: Stroke is the 3rd leading cause of death in women, 5th for men andamong the top ten in children. Stroke is the leading cause of disability3 About 85.6 million Americans are living with some form of the after-effects of a stroke3The good news for consumers is: Death rates are declining for all four of the most common cancer types – lung,colorectal, breast and prostate1 There are 14.5 million cancer survivors in the US. By 2024, there will be almost 19million51.2.3.4.5.American Cancer Society, Cancer Facts & Figures 2016; pg 1, 2.Journal of the National Cancer Institute: Cancer Prevalence and Cost of Care Projections (http://costprojections.cancer.gov/), accessed 6/5/14.American Heart Association, Heart Disease , Stroke and Research Statistics – 2016 Update; pg 2The Heart Foundation, Heart Disease Facts, Heart Disease Statistics acts/heart-disease-statistics/), accessed gallery/survivorship-life-after-cancer? ga 1.65889002.596440388.146048239450