A Revolutionary ProductFor The Senior Market

Presented by:

LIVING LEGACY

Remember when you received a card in the mail from your grandparents or other loved

ones and inside was a check? You probably felt extra special and loved.

Most people look forward to leaving a Legacy. . .

This unique product offers your client the opportunity to leave a

“Living Legacy” for many years to come.

NOW, your clients have the affordable opportunity to leave a “Living Legacy” by

providing a gift each year for 10 or 20 years after their passing. They may choose from

$100 to a $1000 or more…..AND each gift will be accompanied by a special remembrance

card. This is made possible by a unique whole life insurance policy underwritten by Sterling Investors Life Insurance Company.

The card that the special person or organization receives would be a personalized note

from your client.

Happy Birthday

Katie

We love you so much!!

Grandma & Pop

Inside the personalized card would be a check.

Living Legacy

This is not an actual check

Grandchild 500.00Five hundred and 00/100

Grandparent

HOW AFFORDABLE IS IT?

An example………

Mary Sullivan age 66 would like to provide a loving legacy for each of her three grandchildren, Bobby, Christy, and Chad. She chooses to leave each one

a gift each year of $200 for ten years after her passing.

Mary’s monthly premium would only be $25.59 per month.

“Continuous loving memories are only made by those who care about others more than they care about themselves…”

(author unknown)

Agenda Sales

Agent Presentation Selling Features

Product Product Detail Application Rates Website

Leads Lead Program Appointment Script

Earning Potential

Sales ~ Agent Presentation

Selling to the Heart Presentation Goals

Describe the Product & Features Relate it to the Client Through a Personal

Experience Determine the gift amount a client would be

comfortable with Look at examples

Following are two client

presentations available

for your use.

A Revolutionary Affordable Gifting Plan

LIVING LEGACY

Remember when you received a card in the mail from your grandparents

or other loved ones and inside was a check? You probably felt extra

special and loved.

Now you have the opportunity to leave a “Living Legacy” by sending a special

remembrance card with a monetary gift of $100 to $1,000 or more each year for 10 or 20

years after your passing to your grandchildren, church, friends, favorite

charities, other relatives, or scholarship funds.*

*certain minimums apply

Most people look forward to leaving a Legacy. . .

This unique plan gives you the opportunity to leave a loving affordable

Legacy for many years to come.

This is called a

‘Living Legacy’

A “Living Legacy” creates wonderful and lasting memories for those people and

organizations special to you.

Many proud and loving grandparents are now establishing an affordable “Living

Legacy” for their grandchildren.However, there are so many other options:

church, friends, favorite charities, other relatives, and scholarship funds

You don’t have to pick just one.

If you have several special people or organizations you would like to leave a “Living Legacy”, Sterling Investors will

divide and send to the beneficiaries the amount you choose.

Remembering this special

anniversary day, ,of

our beloved church

.

July 18th

Hickory Hill Baptist

The card that the special person or organization receives would be a personalized note

from you.

Happy Birthday

Katie

We love you so much!!

Grandma & Pop

Inside the personalized card would be a check.

Living Legacy

This is not an actual check

Grandchild 500.00Five hundred and 00/100

Grandparent

HOW AFFORDABLE IS IT?

An example………

Mary Sullivan age 66 would like to provide a loving legacy for each of her three grandchildren, Bobby, Christy and Chad. She chooses to leave each one

a gift each year of $200 for ten years after her passing.

Mary’s monthly premium would only be $25.59 per month.

Here’s how it works . . .1. Select an annual gift amount ($100, $200, $500, $1,000 or

more)*2. Select a special day for the gift to be delivered3. Choose a card to send a personalized message4. Apply for the special “Living Legacy” whole life

insurance policy from Sterling Investors Insurance Company

5. Upon your death, a check will be sent in a personalized card each year for 10 or 20 years to the people or organization of your choice.

*Certain minimums apply. Refer to “Examples”

“Continuous loving memories are only made by those who care about others more than they care about themselves…”

(author unknown)

Let’s look at some other examples together so that we can decide how much you

want to leave for your

“Living Legacy”

Feel free to insert your own personal

story.

Minimum Gift Requirements

For a gift to one individual or entity each year for 10 years the minimum gift per year must be at least $400 for 20 years the minimum gift per year must be at least $250.

Separate gifts, for example, to more than one grandchild or entity can be combined for the minimums required. ($50 increments)

Examples:

2 grandchildren at $200 each for 10 years would = the minimum of $400. Four grandchildren at $100 each for 10 years would = the minimum of $400

2 grandchildren at $150 each year for 20 years would = $350 per year which satisfies the minimum for 20 years gifts of $250 each year

Sales ~ Agent Presentation

Working With CouplesChoose one person, in most cases it would be the female as they generally have the lowest premium. Since the insured can be either of the couple, use the following factors to calculate the lowest premium for your clients or who is most eligible.

Age Smoker/Non-Smokers Health Conditions Sex of Insured

As the gift would be from both the husband and wife, a suggested personal message could be:

With all our love, Grandma & Grandpa

Sales ~ Agent Presentation

10 Year Benefit Period

If the premium for the 20 year benefit period is too high for you client, suggest the 10 year benefit period. This will reduce the client’s premium.

Sales ~ Agent PresentationMany Grandchildren

What if the client has many grandchildren:

Suggest the children as the beneficiaries and the children disburse the gifts to the grandchildren. Leave the total gift to 1 person and for this person to arrange a celebration of your client’s life each year. Start with a few of the grandchildren and add the others later as funds become available.

If both are still living, insure both grandparents, allowing them to have a higher total gift amount.

Sales ~ Agent Presentation

Types of Beneficiaries

If the insured and owner of the policy is the same person, the beneficiaries may be anyone; however, the relationship needs to be explained on the application if it is not a relation.

If the owner/payor is different than the insured, an insurable interest is required.

Sales ~ Agent Presentation

Ineligible Persons

Includes anyone who:

Is incarcerated in a penal institution Is on parole or released from prison within the last 2 years Is in a psychiatric facility Is terminally ill Is mentally incompetent, who lacks the legal capacity or mental facility to conduct their own affairs Has not been a permanent U.S. resident for at least 12 months

Sales ~ Agent Presentation

Telephone Interview

A brief Telephone Interview required for each application. The interview questions are the same as the application questions. The PROPOSED INSURED must complete the telephone interview.

Call 1-877-604-5240, Select Option 4, then Option 1. refer to “Living Legacy Point of Sale Interview”

Hours (all hours in Eastern Time):Monday to Thursday – 9am to 7pm Friday – 9am to 3pm

Sales ~ Agent Presentation

Telephone Interview (cont.)

During the Telephone Interview process, the Interviewer may need to ask additional questions to confirm a health condition. Once the application is received at Sterling Investors Life Insurance, the company will perform a prescription drug check to verify that the insured is not taking any medications that conflict with the health questions. No MIB is performed. Issue turn around is 24 hours for clean applications.

It is highly recommended that the telephone interview is conducted while the agent is still in the client’s home.

Sales ~ Agent Presentation

Effective Date of the Policy

The effective date of a policy can be the issue date or the client may select an effective date. If an effective date is not selected, the policy issue date will be the effective date.

The bank draft date for monthly direct debit will be the effective date of the policy. If the policy has not been issued before the effective date of the policy, the bank draft will occur as soon as the policy is issued for the first premium deduction.

Sales ~ Agent Presentation

Personalized Message SuggestionsFor The Gift Card

Birthday: From the day you were born ,my life has been filled with endless joy Each birthday is a reminder of how much I love you Hope your birthday is filled with unending happiness

Christmas: Christmas with you was always magical Merry Christmas with all my heart Wishing you a wonderful Christmas and a Happy Year

Sales ~ Agent PresentationPersonalized Message Suggestions

(cont’d)

With Love: From the moment you grabbed my finger, you filled my life with love You brought such love and joy to my life You will always be in my heart

On Your Special Day: Your special day was one of the happiest in my life Hope all your dreams come true on this very special day Hope you have a terrific day on this special occasion

In Memoriam: Always in my heart My life was blessed To continue our mission 

Sales ~ Product Specification Advancing / Commissions Application Ineligible Person Telephone Interview Effective Dates Rates Supply Order Form

Living Legacy Brochure

Living Legacy Product

Overview

Leads

Lead System

Living Legacy. . .

is a natural lead generation no need for expensive lead systems natural addition for a current client never ending referral stream additional sales for additional gifting opportunities

is a “door opener” product for Medicare Supplement, Medicare Advantage, Final Expense, Long Term Care, etc.

Leads

Sales Methods

Other Prospecting Ideas . . . Local Newspaper Radio & TV Direct Mail Senior Seminars Agent Website

Living Legacy

What’s Next ??

Questions Complete your contracting Start contacting your existing clients

Frequently asked Questions

Can my policy ever be cancelledNo, as long as you continue to pay your premiums

Can the annual premium ever increasedNo

Can I add more beneficiaries to the policy after it is issuedNo, however, you can apply for an additional insurance

policy What happens if my beneficiary dies before me

The money would go to the beneficiary’s estate Can the check and card be sent for several occasions

No, only one event/date per policy

Living LegacyA Revolutionary ProductFor The Senior Market