Simple! Fast! Simple! Fast! Easy!Easy!

Life Insurance Life Insurance

Products Without All The Products Without All The Hassles!Hassles!

United Home LifeUnited Home Life

Located in downtown Indianapolis, INLocated in downtown Indianapolis, IN

We are

CONNECTED!

United Home LifeUnited Home Life Founded in 1948, member of United Farm Founded in 1948, member of United Farm

Family Insurance Companies since 1997.Family Insurance Companies since 1997. United Farm Family Life (IN) is the parent United Farm Family Life (IN) is the parent

company.company. Rated A (Excellent) by A.M. BestRated A (Excellent) by A.M. Best

UHL is Rated A- (Excellent) by A.M. BestUHL is Rated A- (Excellent) by A.M. Best Upgraded June 2008Upgraded June 2008 3 upgrades in past 10 years3 upgrades in past 10 years Demonstrates sound financial condition for Demonstrates sound financial condition for

UHLUHL

United Home LifeUnited Home Life

Strong presence in Strong presence in simplified issue simplified issue market.market.

18 straight years!18 straight years!

= = stabilitystability Here yesterday, here Here yesterday, here

today, here today, here tomorrow.tomorrow.

United Home LifeUnited Home Life

Where We Do BusinessWhere We Do Business

43 states and 43 states and D.C.D.C.

States ExcludedStates Excluded AlaskaAlaska MassachusettsMassachusetts New HampshireNew Hampshire New YorkNew York North CarolinaNorth Carolina South DakotaSouth Dakota WyomingWyoming

We want to be your We want to be your Company of Choice for Company of Choice for

Non-MedNon-Med Sales Sales Simple, easy Simple, easy

applicationsapplications Innovative productsInnovative products Accept faxed Accept faxed

applicationsapplications App may be taken over App may be taken over

the phonethe phone Draft the initial Draft the initial

premiumpremium Commissions paid Commissions paid

dailydaily 9-month annualization 9-month annualization

availableavailable

Deal direct with Deal direct with Home OfficeHome Office

Liberal underwriting – Liberal underwriting – Standard to Table 16Standard to Table 16

Mid-west friendly Mid-west friendly serviceservice

Quick policy issue – 5 Quick policy issue – 5 days or lessdays or less

Sales Contests – Easy Sales Contests – Easy to win!to win!

Total Protection Total Protection Series 3Series 3

Final Expense Final Expense

Whole Life PortfolioWhole Life Portfolio

Total Protection Series 3Total Protection Series 3 Features 3 whole life policies on a Features 3 whole life policies on a singlesingle, ,

short-form, 3 in 1 application.short-form, 3 in 1 application. Express Issue Whole Life (Graded Benefit)Express Issue Whole Life (Graded Benefit) Express Issue DeluxeExpress Issue Deluxe Express Issue PremierExpress Issue Premier

Non-Medical, Simplified IssueNon-Medical, Simplified Issue Application covers wide-range of Application covers wide-range of

underwriting from underwriting from Graded Benefit Graded Benefit toto almostalmost StandardStandard..

Application is a “stack” application. The more Application is a “stack” application. The more questions answered “no” the better the policy questions answered “no” the better the policy and rate.and rate.

Total Protection Series 3Total Protection Series 3Express Issue Whole LifeExpress Issue Whole Life

Graded Death Benefit PolicyGraded Death Benefit Policy Perfect for clients in poor health – Up to Perfect for clients in poor health – Up to Table 16Table 16

issued Standardissued Standard Premiums Premiums just reducedjust reduced by as much as 20%! by as much as 20%! Graded death benefit during first 2 years - full Graded death benefit during first 2 years - full

death benefit in year 3 death benefit in year 3 Immediate DB yrs 1 & 2 if death by accidentImmediate DB yrs 1 & 2 if death by accident

4 Riders included free of charge if face amount at 4 Riders included free of charge if face amount at least $10,000.least $10,000. Inflation Guard BenefitInflation Guard Benefit Identity Theft BenefitIdentity Theft Benefit Extended Hospital Stay Benefit Extended Hospital Stay Benefit Common Carrier Accidental Death BenefitCommon Carrier Accidental Death Benefit

PHI (can done be point of sale)PHI (can done be point of sale)

Total Protection Series 3Total Protection Series 3Express Issue Whole LifeExpress Issue Whole Life

Graded Benefit SpecsGraded Benefit Specs Ages 25 to 80 (45 to 80 in CA)Ages 25 to 80 (45 to 80 in CA) Face Amounts range from $2,000 to $50,000Face Amounts range from $2,000 to $50,000 Death in 1Death in 1stst Year = Return of Premium plus 12% Year = Return of Premium plus 12%

interest.interest. Death in 2Death in 2ndnd Year = Return of Premium plus 24% Year = Return of Premium plus 24%

interest.interest.

Total Protection Series 3Total Protection Series 3Graded Benefit Free RidersGraded Benefit Free Riders

Inflation Guard BenefitInflation Guard Benefit Face amount increases 5% every five years for Face amount increases 5% every five years for

the first 20 years of policy (simple interest).the first 20 years of policy (simple interest). Identity Theft BenefitIdentity Theft Benefit

Identity stolen, company will waive 3 months of Identity stolen, company will waive 3 months of premiumpremium

Must provide documentationMust provide documentation Extended Hospital Stay BenefitExtended Hospital Stay Benefit

Waive 3 months premium if client is Waive 3 months premium if client is hospitalized 20 consecutive days or more.hospitalized 20 consecutive days or more.

Common Carrier Accidental Death BenefitCommon Carrier Accidental Death Benefit Death Benefit doubles if client dies in public Death Benefit doubles if client dies in public

transportation (i.e. Bus, Plane, Train, Taxi).transportation (i.e. Bus, Plane, Train, Taxi).

Total Protection Series 3Total Protection Series 3Express Issue DeluxeExpress Issue Deluxe

Immediate death benefitImmediate death benefit Up to 8 Tables considered standardUp to 8 Tables considered standard Good for clients who have Good for clients who have somesome health health

issues issues (including insulin-dependent (including insulin-dependent diabetes)diabetes)

Accidental Death and Child Riders Accidental Death and Child Riders available.available.

PHI required (can be done point of sale)PHI required (can be done point of sale)

Total Protection Series 3Total Protection Series 3Express Issue DeluxeExpress Issue Deluxe

Express Issue Deluxe SpecsExpress Issue Deluxe Specs Ages 20 to 80Ages 20 to 80 Face Amounts Range from $5,000 to Face Amounts Range from $5,000 to

$50,000$50,000

Total Protection Series 3Total Protection Series 3Express Issue PremierExpress Issue Premier

Immediate death benefitImmediate death benefit Up to 4 Tables issued standardUp to 4 Tables issued standard Good for clients in better health but don’t Good for clients in better health but don’t

want to go through want to go through full underwritingfull underwriting Accidental Death and Child Riders Accidental Death and Child Riders

availableavailable PHI Required (can be done at point of PHI Required (can be done at point of

sale)sale)

Total Protection Series 3Total Protection Series 3Express Issue PremierExpress Issue Premier

Express Issue Premier SpecsExpress Issue Premier Specs Ages 20 to 80Ages 20 to 80 Face amounts up to $100,000Face amounts up to $100,000

Ages 20 to 60 = $5,000 up to $100,000Ages 20 to 60 = $5,000 up to $100,000 Ages 61 to 80 = $5,000 up to $50,000Ages 61 to 80 = $5,000 up to $50,000

Total Protection Series 3 - Health Total Protection Series 3 - Health QuestionsQuestions

Total Protection Series 3Total Protection Series 3Application ExtrasApplication Extras

Not a true “Yes/No” Application.Not a true “Yes/No” Application. Minor health issues that should have a “yes” Minor health issues that should have a “yes”

answer may be covered. Place provided on answer may be covered. Place provided on application to disclose matters to application to disclose matters to underwriting.underwriting.

Total Protection Series 3Total Protection Series 3Application ExtrasApplication Extras

What “yes” conditions may apply? What “yes” conditions may apply? (Example)(Example)

UHL vs. Chesapeake UHL vs. Chesapeake Life Life Graded Death BenefitGraded Death Benefit (EIWL)(EIWL) Price Price

ComparisonComparison

Total Protection Series 3Total Protection Series 3The “Sweet” SpotsThe “Sweet” Spots

TWOTWO year Graded Benefit year Graded Benefit Minimum issue age is age Minimum issue age is age 2525 (20 for (20 for

Deluxe/Premier)Deluxe/Premier)

Issue up to $50,000Issue up to $50,000, even on the graded , even on the graded benefit policy & even for issue age 80!benefit policy & even for issue age 80!

Simple Simple 3-in-13-in-1 Application! Application! NoNo Product Mix Requirement! Product Mix Requirement! FREEFREE EXTRA BENEFITS – EXTRA BENEFITS – UNIQUEUNIQUE to UHL to UHL

ONLYONLY

Inflation…Identity Theft…Extended Hospital Inflation…Identity Theft…Extended Hospital Stay….Common Carrier Accidental DeathStay….Common Carrier Accidental Death

The Underwriting The Underwriting and Commission and Commission

ProcessesProcessesFrom Submission to IssueFrom Submission to Issue

The Underwriting The Underwriting ProcessProcess

Applications may be Applications may be submitted by fax or submitted by fax or mail.mail.

PHI PHI Point of sale PHI will Point of sale PHI will

make issue time faster!make issue time faster! If not point of sale, If not point of sale,

underwriter will order underwriter will order and pend for its and pend for its completion.completion.

M.I.B. and drug M.I.B. and drug database check.database check.

If clean application and If clean application and PHI done at point of PHI done at point of sale:sale: Policy should be issued Policy should be issued

within 5 days of receipt.within 5 days of receipt. If not clean application:If not clean application:

Additional information Additional information may be requested (i.e. may be requested (i.e. APS).APS).

Issue time will increase Issue time will increase and commissions may be and commissions may be delayed until all delayed until all information is received.information is received.

The Commission ProcessThe Commission ProcessHow To Get Commission Paid Faster!How To Get Commission Paid Faster!

When submitting application When submitting application for policy by fax:for policy by fax: Include all requested Include all requested

banking informationbanking information Completely fill out Completely fill out

authorization form on authorization form on applicationapplication

When submitting application When submitting application for policy by mail:for policy by mail: Include check or money Include check or money

order in the amount of order in the amount of premium needed.premium needed.

Commission will be paid out Commission will be paid out the fastest if the above the fastest if the above requirements are met.requirements are met.

Commission will be paid out Commission will be paid out after a policy is issued and after a policy is issued and premium is applied to the premium is applied to the policy.policy.

What may cause What may cause commission payment to be commission payment to be delayed?delayed? Client requests not to draft Client requests not to draft

premium until specified premium until specified date.date.

Policy is issued C.O.D.Policy is issued C.O.D. Banking information is not Banking information is not

received upon submission received upon submission of application.of application.

Check or money order is Check or money order is not received at the time of not received at the time of application submission.application submission.

In most cases, the In most cases, the commission may not be commission may not be paid out until two days paid out until two days after we receive premium after we receive premium payment and the premium payment and the premium is applied to the policy.is applied to the policy.

Sales Contests!Sales Contests!

4 Sales contests per year (1 every quarter)4 Sales contests per year (1 every quarter) The more you sell, the more you get!The more you sell, the more you get!

13 paid applications earns $500 cash or gift 13 paid applications earns $500 cash or gift certificate.certificate.

26 paid applications earns 4 day/3 night vacation 26 paid applications earns 4 day/3 night vacation plus plus $500$500

39 paid applications earns 39 paid applications earns TWOTWO 4 day/3 night 4 day/3 night vacations vacations plusplus $1,000 $1,000

Destinations include San Francisco, Ft. Lauderdale, New Destinations include San Francisco, Ft. Lauderdale, New Orleans, and Cancun.Orleans, and Cancun.

Annual Premium must be at least $300 to count towards sales contest.Annual Premium must be at least $300 to count towards sales contest.

Applications must stay in force 2 months to count towards sales contest.Applications must stay in force 2 months to count towards sales contest.

Final Thoughts…Final Thoughts… One of the most One of the most

Competitive and Unique Competitive and Unique FINAL EXPENSEFINAL EXPENSE Portfolios in the Portfolios in the Industry!Industry!

Easy Applications!Easy Applications! Apps may be taken over Apps may be taken over

the phone!the phone! Draft initial premium!Draft initial premium! No Product Mix Required!No Product Mix Required!

Deal Direct with the Home Deal Direct with the Home Office!Office!

Most Most UniqueUnique Graded Graded BenefitBenefit Product Product w/Special Featuresw/Special Features

Commissions paid daily!Commissions paid daily! Fully commissionable Fully commissionable

policy fee!policy fee! 5-day Issue!5-day Issue! Sales Contests!Sales Contests! Simple…Fast…Easy!Simple…Fast…Easy!Allow us to EARN your

business!