PRODUCT POINTS PER APP OR BY PREMIUM

Medicare Supplements 1 point per application

Final Expense 2 points per $1,000 of annualized premium

Long-Term Care/Short-Term Care 1.75 points per $1,000 of annualized premium

Dental, Hospital Indemnity & Cancer Plans 2 points per $1,000 of annualized premium

Major Medical & Short Term Medical 1 point per $1,000 of annualized premium

Life 2.5 points per $1,000 of target premium

Single-Premium Life 3 points per $10,000 of premium

Fixed-Indexed Annuities* 3 points per $25,000 of premium

MYGA Annuities 3 points per $50,000 of premium

A Quarterly Newsletter for the Agents of

IN THIS ISSUE :

MEDICARE SOLUTIONS ● LIFE INSURANCE ● ANNUITIES ● LONG TERM CARE

DENTAL & VISION ● CRITICAL ILLNESS ● HOSPITAL INDEMNITY

WWW.WMACORP.COM FOR AGENT USE ONLY. NOT INTENDED FOR CONSUMER USE.

© 2017 Western Marketing

Earn More Cash with

Cigna’s Med Supp!

DOUBLE TRIP CREDITS on CHS Products!

HOT Short-Term Home

Health Care from GTL

Cash-In on These Carrier

Med Supp BONUSES!

Win a Trip for Two Selling

UCT DVH & STC!

HOT Aetna’s Cancer, Heart

Attack or Stroke Insurance

Competitive Med Supps

from Thrivent Financial &

Liberty Banker’s Life

NEW What’s HOT with

Medico?

Ameritas Primestar Dental

& Vision Insurance

Partner With an IMO

You Can Trust!

NEW Income Protector

Annuity from NWL

Give Your Clients a 10% or

12% BONUS!

MYGA Rate Guide

Single Premium Life vs.

Annuity

NEW SecureCare

Universal Life

NEW WealthHorizon

Single Premium Life

from EquiTrust

Foresters Your Legacy

Single Premium Whole Life

HOT Top 10 Reasons to

Sell AIG GIWL

NEW 125% Increased

Death Benefit Whole Life

Introducing Western

Wealth Builders

Meet the Western

Marketing Team!

1. Qualifying business must be dated July 1st, 2016—December 31st, 2017 and issued by January 31st, 2018. 2. These qualifications are based on street-level writing agents only; not all agents and agencies will qualify at these numbers. Please contact your Marketer for details. 3. *Rollovers from Qualified Funds may not count towards the trip after April 1st, 2017 due to the recently passed Department of Labor Fiduciary Rule. Call for details.

4. The trip is not redeemable for cash or any other prize.

Please visit our website at

www.wmacorp.com for complete

terms, conditions and details.

Still 9 MONTHS

left to qualify!

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Pages 2—10

800-852-7152

Call Western Marketing today for more info!

800-852-7152

Earn Double Trip Credits selling Cancer, Heart Attack & Stroke policies

during the months of May, June and July 2017.

Call 800-852-7152 for carrier details!

See front cover, or go to www.wmacorp.com for trip qualifications

and complete rules!

2018 Top Producers Convention

3

AVAILABLE NOW! The Best Short-Term Home Health Care (HHC) Insurance on the Market!

Be the first to offer to your clients!

4

Call today for more information! 800-852-7152

3 Short-Term HHC Benefit Options $150, $300 or $450 maximum daily benefit

Great Value Added Riders HIP, Critical Accident, Dental/Vision, Ambulance

Policyholder Access to Ask Mayo Clinic Nurseline and Critical Illness Support

Great Cross-Selling Opportunity and Great for Clients

Now available in Alaska, Michigan, Montana & Wyoming!

— Available in the following states —

Alabama, Alaska, Arkansas, Delaware, Illinois, Indiana, Iowa, Louisiana, Michigan, Missouri, Montana, Nebraska, Oklahoma, South Carolina,

West Virginia, Wyoming & more coming soon!

FOR AGENT USE ONLY - Cannot be distributed to the public or used in any consumer solicitation. This is not long-term care insurance. Short-term home health care insurance, is issued on Policy Form

Series G1670 and Rider Form Series RG15CA, RG16ASH, RG16ASB, RG12DV by Guarantee Trust Life Insurance Company, Glenview, IL. This product, its features, and riders are subject to state

availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please refer to the outline of coverage.

Ask Mayo Clinic is a service provided to Guarantee Trust Life Insurance Company by Mayo Clinic at no cost to the consumer. Mayo Clinic and the triple-shield Mayo Clinic logo are trademarks of Mayo

Foundation for Medical Education and Research. Mayo Clinic does not endorse any third party products advertised. Availability of Ask Mayo Clinic is subject to change without prior notice. Ask Mayo

Clinic does not diagnose medical conditions and is not a substitute for consulting with your own healthcare provider for the diagnosis and treatment of personal health and medical conditions. GAD51-17

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We have carriers paying cash bonuses up to

$200 per underwritten app!

Call 800-852-7152 for details,

or click the link below!

http://www.wmacorp.com/bonusoffers

6 Call Western Marketing today for more info! 800-852-7152

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Not for profit membership organization that helps Christians be wise with money and live generously.

Is rated A++ (Superior) by A.M. Best; the highest of 16 ratings.*

#318 on the Fortune 500 (Fortune Magazine, June 2016)

Add a Medicare Supplement

Insurance option to your product

offerings that stands out.

Thrivent Financial Medicare Supplement Insurance

lets you offer clients coverage with highly

competitive premiums and commissions.

In addition, Thrivent is a :

*Ratings are based on Thrivent Financial's overall financial strength and claims-

paying ability, but do not apply to the performance of investment products.

Thrivent Financial is not connected with or endorsed by the U.S. government or the federal Medicare program. Not available in all states.

Thrivent Independent is a division of Thrivent Insurance Agency, Inc., a wholly owned indirect subsidiary of Thrivent Financial for

Lutherans, Appleton, WI. This contract has exclusions, limitations, reductions in benefits and terms under which the contract may be

continued in force or discontinued.

Insurance products are underwritten and issued by Thrivent Financial, the marketing name for Thrivent Financial for Lutherans,

Appleton, WI. Not all products are available in all states. For additional important information, visit Thrivent.com/disclosures.

For agent use only. Not for use with consumers. 06071601 3309TF 06/16

Approved States—CO, DE, GA, IA, ID, IL, IN, KS, KY, LA, MD, MI, MS, MT, ND, NE, OH, OK, PA, SC, SD, TN, TX, UT and WV

Coming Soon—NM and VA

Introducing a New Medicare Supplement from Liberty Bankers Life Insurance Company. Western Marketing is proud to release an exclusive Medicare Supplement from a name you trust. Suit up and make sure you have this competitive offering available for your senior clients.

Liberty Bankers Life Med Supp Provides:

Great Name Recognition

Ultra Competitive Rates

Industry Leading Commissions

Multi-State Product Release

E-App Platform for Quick & Easy App Submission

FOR AGENT USE ONLY. NOT FOR PUBLIC DISTRIBUTION. Not affiliated or endorsed by the Federal Government or Social Security Administration.

Call Western Marketing today for more info!

800-852-7152

Approved States—AL, IL, IN, KS, KY, LA, MD, MS, NC, OK, PA, SC, TN, WV Coming Soon—VA

Call Western Marketing

today for more info!

800-852-7152

9

Call for more details!

800-852-7152

State Age Focus Area Focus

Alabama 67-85 Ranked #1 in most of state

Arizona 65-69 Ranked #1 at age 68 in Phoenix, Mesa, Sierra Vista, Tuscon

Colorado 67-76 Ranked #1 in most of state

Iowa 68-80 Ranked #1 in Des Moines; ages 68-80 in most areas

Kansas 70-80 Ranked #1 in Kansas City, Topeka, Wichita, Altamont

Kentucky 68-76 Lexington, Ashland, Covington, Owensboro, Henderson, Allen, Blackey, Paducah

Louisiana 68-76 Ranked #1 in South, esp. New Orleans, Baton Rouge, Houma

Maryland 68-76 Ranked #2 in most of state

Michigan 69-76 Ranked #1 in most of state

Nebraska 68-80 Omaha, Blair, Lincoln, Scottsbluff (70-75 Kearney, Hastings)

North Carolina 69-76 Ranked #3 in most areas. Competitive age 69 in Durham, Greenville

Ohio 68-85 SE & Central regions Ranked #1 in several cities

Pennsylvania 65-85 Ranked #1 in nearly all cities

South Carolina 72-76 Ranked #1

South Dakota 70-80 Ranked #1

Tennessee 70-76 Ranked #1 in most areas, esp. Nashville, Chattanooga, Johnson City, Knoxville, Cookeville

Texas 72-85 Ranked #1 in Dallas, Fort Worth, Arlington, Waco, Houston, Pasadena, Port Arthur, Beaumont, San Antonio,

Corpus Christi, El Paso

Utah 67-85 Ranked #1 in entire state

Virginia 69-76 Ranked #1 in most areas

West Virginia 70-75 Ranked #2—within $3 of lowest rate in most areas

Wisconsin 68-85 Ranked #1 in entire state

What’s HOT with ?

The T-65 Market is flooded with agents, and clients are bombarded with mailers and calls. Think outside the “Open Enrollment Box” and focus on older ages for Medicare Supplement Enrollments. Why focus on 67 and above? ▪ Clients are working longer and retiring later (67, 68, 69) ▪ Less competition with agents ▪ Lead generation is more effective ▪ Rate increases at these ages opens the door to allow clients to go through underwriting and lower premiums

SEE BELOW WHERE MEDICO IS HOT!

This is the perfect time of year for agents to add Ancillary Plans to current client portfolios. Here are the most popular plans and demographics: ▪ Dental—Preferred Plan ($1,500), Female, Ages 60-75 ▪ Hospital Indemnity—6 day benefit, $250/day, Ages 60-69, 62% Female

▪ Cancer—61% Female, Ages 60-69. $10,000 benefit amount

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800-852-7152

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PLUS:

► No exposure to market risk—share only in the gains, not the losses

► Lifetime Income Rider available so your clients can’t outlive their money

► 10% Penalty-Free Withdrawals

► Full Accumulated Value at Death

► Built-in Nursing Home Waiver

► 8.5% Commission through Age 75 (most states)

Why should you

offer your clients

these outstanding

ANNUITIES?

How about a

10% Premium Bonus added immediately,

or 12% over first three years!

Call us before

your next

annuity sale!

800-852-7152

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Single Premium Life Annuity

Tax Free Transfer Upon Death Yes No

Tax Deferred Yes Yes

Physical Exam No No

Suitability No Yes

Accelerated Benefits Yes Yes

Issue Ages 0-95 0-90

Commissions Up to 15% Up to 10%

Who is your typical prospect for Single Premium Life?

Funds have been earmarked for the purpose of transferring

wealth to beneficiaries

The prospect has a lump sum available

There is an additional established emergency

fund

Looking to maximize their legacy

Wants to avoid taxation of their legacy

Call one of our

marketing

experts today!

800-852-7152

SINGLE PREMIUM

LIFE

ANNUITY

Which is a homerun?

16 800-852-7152

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800-852-7152

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For more information, contact us at (844) 265-0656 or visit our website at www.WesternWB.com

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