Bonus Report - edoqs

Bonus Report How To Make A Six-Figure Income Selling 5-12 Life Insurance Applications a Week over the Phone Using Our Aged Internet Life Insurance Leads and Dripping Campaign System. We do have a complete dripping campaign system for these internet leads and your current clients.

www.InstantClientAttractionSystem.com Contracts of 120% and 8% of LIFETIME renewals for Final Expense Copyrighted 2011 Great Western Consulting LLP www.Wholesaleleadsnow.com

www.UltimateInsuranceSystem.com

Table of Content 1. Overview 2. Appointment setters 3. Phone approach for Life Insurance 4. Door approach and phone script for Final Expense 5. Phone approach for annuity leads 6. Sample emails 7. Sample postcard 8. Follow up letters 9. Sample newsletter 10. Lead order form 11. Special Report

You have my permission to forward this report on to any other associates. In addition, if you need contracting for selling Final Expense Insurance we have a National Marketing Contract and we give out 120% commission and 8% LIFETIME Renewals. Email our office at [email protected]

Additional Resources of interest. http://www.Ultimateinsurancesystem.com http://www.PostcardMillionaireFormula.com http://www.WholesaleLeadsNow.com http://www.InstantClientAttractionSystem.com

www.Wholesaleleadsnow.com


Special Report This report is a short and precise system you can use to generate life insurance, final expense and annuity sales using our aged leads. Many of these power phrases and scripts have been developed over the period of years. It has resulted in millions of dollars of life insurance, final expense and annuity policies sold. My suggestion you use a Yellow felt tip marker to highlight the points you want to remember and use in your presentation. We know agents who write from 5-12 applications a week over the phone and in person using these scripts. What they do is buy 100-400 of seasoned internet leads of prospects asking for a Life Insurance, final expense, annuity or health quote. These leads are from 31 days to 260 days old.

I built my business on working leads that were worked by other agents in my office and their only contact was over the phone. Of course, I would take the lead they marked “not interested” and go directly out to the house. My approach would net me 40% appointment rate on basically a dead lead. Formula 10-3-1 I also believe the formula 10-3-1 is still applies today. I consider all leads are just suspects. It doesn’t matter if you pay $2.00-$30.00 or $50 for a lead their all just suspects. Even a $100 lead can hang up on you. So it takes with most agents 10 suspects to get 3 prospects to net 1 sale. This is why you should buy all the internet leads you can because the cost of generate a life insurance lead is very low cost. I prefer leads 31 days and older because the cost is so low. 90,000 Leads a Month Currently, we buy our leads from an associate of mine who is a wholesaler of leads. He buys about 90,000 leads a month. That’s right 90,000 a month…He has about 80+ clients that buy his leads on a monthly basis. Over 2.75 Million people a month go on line and request an insurance quote. Only 2% will buy insurance in real time. Over 50% will buy insurance over the next 3 to 9 months if someone drips on them with phone calls, postcards and emails. However, 90% of all agents will only call once and if the prospect doesn’t buy or doesn’t answer the phone after 2-3 calls, they considered it a bad lead. Here’s an interesting fact: About 5 years ago only 7% of the population was buying insurance over the internet. Today over 25% are now buying insurance over the internet.



Some of our top agents who buy our wholesale leads will hire a seasoned appointment setter or screener on Craig’s list or your local newspaper. When I ran an ad on the weekend in my local newspaper I had 17 resumes send via email and phone calls. Here’s a Sample ad: Appointment Setter wanted for Financial Services. Experience preferred. Send resume to your email address. We recommend you pay your appointment setters or pre qualifier’s per appointment or a lead to give a quote for insurance. Average fee between $10-$20. One agent gives an average of seven quotes a day using this system. We know an agent who wrote $515,000 last year in life insurance premium using a similar technique and 90% was sold over the phone. This agent buys from my wholesale lead broker 700-800 leads money. Then he has an appointment screener screen all the calls and only transfers qualified prospects who want a life insurance quote to this agent. He takes the call and gives them a quote and if he has a positive feedback he completes part 1 and sets up a Para Medical. Also, check out http://www.Callfire.com for a great service for speed dialing and having the ability for your call screener to transfer the calls to you. If you need lead counts or want to order leads go to: http://www.wholesaleleadsnow.com

The Non Selling Approach to Getting Appointments for Life Insurance



Yes, this is Tom…Is this Mary? Can you help me out for a second…Answer you want them to say is “how can I help you.” Yes, the reason for my short call today is a few weeks ago (you requested an insurance quote for the lowest cost insurance on the planet.) We would like to give you a quote on how to save up to 33% on your Life Insurance. With some of our clients we have saved them over $530 a year in premium. Wouldn’t you agree… that’s a big savings on your annual budget you invest in a life insurance policy. According to my information, are you still 5’7” and 125lbs. Plus, you wanted a quote for $100,000. May I ask you another question? Do you currently own the old life insurance or the new life insurance policy? Wait for answer… May I ask you a few other questions? What type of Life Insurance do you have now…Cash Value or Term Insurance. How much Life Insurance coverage do you carry? What company do you have your coverage with now? Just a quick question on your term plan doe it go up every year or every few years. Is the amount of coverage decreasing every year? How do you pay for your current coverage? Monthly, quarterly or annual. Do you think you’re paying too much for what you receive or are you satisfied with paying that amount. I noticed awhile back you wanted a quote for $100,000, $200,000, etc. Any reason why you choose that amount.

Again, my name is _______ I specialize in savings many of my clients money on their current life insurance(final expense insurance.) That would be important to you, wouldn’t it? Or, our local representative is ________ and he specializes in saving people like yourself money on their current life insurance. The difference between the old life insurance and the new life insurance is you don’t have to die to use it; the new policies also have chronic illness, critical illness, terminal illness and disability riders for only a few pennies a day. New life insurance policies can offer other benefits. Does your current policy provide tax free income? Does it pay up to $2,000 a month replacement cost in the event of loss of job or a disability caused by an accident. Does it pay double death benefit in case of a car accident. Does it also cover your spouse and children.



The reason for my short call today… I would like to give you a quote. I noticed on my computer screen you’re interested in a quote for $100,000-$200,000. Also, are you still 5’8” and weight 175 pounds. Were you born in 1952. Or, would you be open if I had one of our price saving specialists give you a no cost quote on the new live insurance? That would be ok wouldn’t it. (If you don’t have a company that sells insurance over the phone and uses “E Signatures” you can say the following: …I’m just calling to see if you would be open later in the week or on Monday or Tuesday because I’m going to be in your neighborhood visiting with several of your neighbors …My schedule is extremely tight…So I can only stop by for maybe thirteen minutes before I move on to my next appointment. I’ll probably leave my car running if you live in a safe neighborhood. I’m booked SOLID! What I would like to do is stop by and leave you a quote and would it be a burden on you if I shook your hand. That’s fair enough, isn’t it? Are you a morning or afternoon person? Wait for answer…Would 10:15 or 11:30 be better on Tuesday or Thursday. Good, is this a good time for your spouse, isn’t it? PLEASE NOTE: If you need a final expense company which allows you to sell over the phone we use American Memorial. We can get you 120% commission and 8% LIFETIME renewals. If you’re selling life insurance over the phone you will modify the above phone presentation. Here’s additional sales tips provided from an agent who closes 5-12 policies every week over the phone. 1. Recently you spoke to our office to receive a quote on how to save up to 33% on your current Insurance and receive more benefits. 2. Did I reach you at good ok time and do you have a few minutes now. 3. Confirm information you may have already collected. 4. We represent a number of companies to give you the best quote available for the new life insurance. 5. Were plugged into a network that rates life insurance from the highest to the lowest in cost, plus we can add and subtract different benefits. 6. Here’s how it works. We get you a Para Medical at your house or office. 7. We pay for it all. 8. We do the underwriting 9. Then you can make your decision. 10. Then if you’re happy with it will get you the policy. You have 30 days to review it. 11. That’s fair enough. 12. File out application or cheat sheet and process for issuing policy.



Objections: Not interested, can’t remember or just forget it. 1. 2. 3. 4.

You would be interested if we could save you up to $500 a year on your insurance? Are you tired of low CD rates? Would you be interested in tax free income? Would you be interested in guarantee lifetime income? Additional answers: I can understand you not remember request this information. I do the same all the time and can’t remember request certain information. However, I would like to stop by and introduce myself so in the future if you’re interested in life planning,Tax Free Income Plans or if you would like to increase your retirement by 20% I’ll be there to help you. Fair enough! Just send me information. I would be glad to, but we need to know who were dealing with and we can’t give out this valuable information just to anyone. Besides, I should stop by and introduce myself to you so we can meet face-to-face. Fair enough! I’m going to be in your area this afternoon would you be home for a minute.

Door approach and phone approach for final expense. You can modify this approach to your comfort zone.



I highly recommend you call on prospects in person who are 55-75 years and that are within 10-25 miles of where you live. If you purchased 100-400 leads you will have leads all over your area to call on to offer your services. You have a 70% better chance of giving a presentation or setting an appointment time if you go face-to-face. Believe me I know! Quick note: One of our door approaches for final expense was we would say, “I’m Russ Jones and I’m a supervisor with Senior Benefits Division and were doing an investigation on whether you received some important financial information you requested a few months back. We’ve had problems with disgruntled postal employees on delivering our financial information and our “Peace of Mind Kits.” This kit is a important free emergency record guide, 75% discount card for drugs, “10 biggest mistakes people make on planning funerals” and a $15.00 referral certificate. May I come in…

Sample Pre Approach Postcard

“It’s No Secret…” According to the National Funeral Directors Association, final and funeral expenses average over $7,000 nationally. There is now a state approved plan available in our state that will give you the “Peace of Mind” of a guaranteed benefit. This benefit will help your loved ones pay for your final expenses. The benefit can be between $2,500 up to $25,000 depending on your need. I am in your neighborhood this week and hopefully I will be able to stop in and give you more detailed information and a FREE gift. I will be able to answer any questions or concerns you may also have. If I can help you great, if not it will certainly be my pleasure to meet with you. I also, would like to give you a FREE “Peace of Mind Kit.” It includes our Emergency Memorial Guide, our 75% discount drug card, Free Report titled, “10 Biggest Mistakes To Planning A Funeral” and also a $15 Referral “Tell-A-Friend” certificate. For a quick response you can call Russ Jones at 435-563-4749 or email me at: [email protected]

I have a special 40 page manual on “How I Sold 2500 Final Expense Plans in 10 Years and Accumulated Close to a Million $$$ in Renewals.” Plus, this manual will show you how to build a $200,000 Final Expense Agency by recruiting other insurance agents to sell for you. If you order aged leads from us you will receive this manual FREE. Remember, we offer contracts at 120% and 8% LIFETIME renewals. Call for more information 435-563-4749 or email [email protected]



Of course, if the leads are too far away you will have to call them. In many cases if you’re working a certain area code you just map them out and then call on these leads when you’re in the area. When I lived in California I would 2-3 times a week drive up to 90 minutes to a town where I had leads to work. If I had 15-20 leads (many were 3 months to a year old from agents in my office who contacted these prospects over the phone and prospect couldn’t remember anyone calling, nor did I bring it up in a discussion.) I would still by the end of the day give at least 3-4 presentations. All I wanted to do is offer my services and give them a free Memorial Guide or Emergency Record Book. I usually had a Memorial Guide or Booklet from a local funeral home. I personally sold over 2500 final expense plans in just 10 years using this basic approach. In fact, if you call the prospect on the phone and they indicate they’re not interested in a quote you wait a week or so and stop by personally and use the following presentation. Many people will not remember you calling. Personally, I would use this approach and if they remembered someone calling I would say I not sure who called you. I only stopped by to give you a quote on saving you up to 33% on your insurance. According to our lead you indicated your height of 5 feet 3 inches and you weight is 135 pounds and you have 3 children plus a little high blood pressure…Does that sound like you and make sure you get them to laugh if possible. Then quickly ask if they have the old life insurance or new life insurance. Of course, most will ask you what’s the difference. The old life insurance you pay more for and get less benefits and the new insurance you get more coverage for usually a lower monthly premium. Many of the new policies offer critical illness benefits for just pennies a day. It will only take about 13 minutes to see if we can save you money. I also have a free Memorial Guide for you. Plus, we have insurance coverage starting at just 38 cents a day… May I come in… I would take some basic information off the spread sheet and put it on a 3 by 5 card before approaching the prospect who wanted an insurance quote. Or, I would at least take the spread sheet and print it out and attach it to a clip board. You can always delete a few of the columns to reduce the width of the sheet. (Use a proper introduction, Say your name and you’re with the Senior Benefit Services or with the Senior Memorial Group, etc. name immediately)

Hello, may I speak with Mr. or Mrs. ____________. My Name is ________.



A while back you inquired or responded to wanting a free insurance quote for low cost insurance to help cover final expenses and other expense up to $100,000 with savings up to 33% over any current insurance you may have now. I want to apologize for not stopping by sooner, but I promised my manager when I was out giving a few of your neighbor’s a free quote today I would stop by and visit with you for a moment. May I come in or did I catch you at a bad time? I’m If you have an objection you say the following: Our plans can help pay you 15,000 to 50,000 dollars on your funeral expenses and any outstanding debts you may leave behind. Would that be important for you? (Since final expense insurance is not a well know product they may not know what final expense is and may ask…) “WHAT IS FINAL EXPENSE?” Final Expense is a small $5,000-$10,000 life insurance policy that covers any outstanding bills and burial expenses that you may leave behind. That way your family doesn’t get stuck with the bills. (At this point, the customer may start to give out objections or ask questions. Rebuttals come very handy, when you deliver your rebuttals; you have to sound very confident) The plans are very affordable and we offer the most competitive prices. Even if you have a fixed income we have special pricing that can help. This will just take a few minutes and can save you thousands of dollars! Say, I do have a free Memorial Guide for you. May I come in… Ask another question. Is Final Expense important to you right now? (Wait for answer) Closer: If I caught you at a bad time when is the best time to get together? Since no time is a good time when would be the best time to get together for you and your spouse. Are you a morning or afternoon person? Set the appointment. Thank you, have a great day and please don’t forget our appointment tomorrow at 10:30AM. Objection comes up for final expense. Never send anything in, never requested any information, or just mail me information. I’m just curious…May I ask you something? Would an extra $10,000 cash be helpful to your spouse in the untimely even of your death. Wait for answer…The reason I ask is no one has a lease on life and we have never had anyone in the last 90 days turn down our money. In fact, if I stay longer at your house than 15 minutes it will be at your request, not mine. That’s fair enough isn’t . So, I’ll see you tomorrow afternoon. Key phrases



Maybe you could help me out for a second…Would you be open…Just calling to see…Does that make sense…Where do we go from here… Remember the goal is not to make a sale, but to open up a conversation. Final expense Objections- Not interested, no money or send me information. I understand, that’s great…How do you expect to pay the high cost of final expense. Wait for answer. Seriously, our plans start out at only the cost of a pizza, like $15.00…It’s a small price to pay for Peace of Mind…Wouldn’t you agree? However, I promised my manager I would stop by and visit you when I was in your neighborhood. Would the afternoon or morning be better for you or another day.

The Non Selling Approach to Contacting Annuity Lead Quotes



PLEASE NOTE: We do have $10.00 aged annuity leads available in selected areas. These leads are from prospects who requested annuity quotes. http://www.wholesaleleadsnow.com Yes, this is Tom…Is this Mary? Can you help me out for a second…Answer you want them to say is “how can I help you” Yes, the reason for my short call today is a while back (you responded and requested an annuity quote) (amount) for more information on getting tax deferred interest on your money. Also, it talked about  No possibility of market loss  Bonuses up to 10%  Tax free income potential  Guaranteed lifetime income Have you taken action on any of these items before, or purchased a tax deferred plan in the past. 

When were you thinking you might want to find out more about these benefits?

(You can ask for an appointment or offer to send them more information.) With your permission I would like to send you more information for you to read. (Verify address and email.) Oh by the way one other quick question I forgot to ask you…The average person requesting this information has between $50,000 and $250,000 in investable assets. Would you say you fall into that category? Great! Let me put together a proposal and mail it out to you and I’ll follow up with a phone call.   

Thanks again. I recommend you send out the following information via Priority Mail or Fed Ex. Information about annuities, brochure, bio, application with X marks for signature, instructions for completing forms and return envelope with a stamp.

Follow up after they receive your information. Here is how the Top 20% start their closing callbacks, and how you can double your sales starting with your very next call: ―Hi _______ this is ______ ______ with the ABC Company. You know, I've been looking forward to getting back with you and setting a time where I can meet you and show you some of our financial services. I know you'll be as happy and satisfied as my other clients are. Are you a morning or afternoon person to get together for a few minutes. Set an appointment.



Alternative phrases I offer a service that shops over 2 dozen tax deferred annuity companies to save you time and hassle. We also help you get more interest on your savings without paying current income taxes. Is that the type of service you want?

More Power Phrases My Favor Power Phrases over the phone… I’ve had up to a 65% appointment rate using the following phrases after someone says “I’m not interested, or just send me information in the mail.” I’m just curious…Are you interested in tax free income? Would you like to know how to increase your retirement income by up to 20%? Would you like to save $1,000-$2,000 on your taxes? How much of your estate do you want to protect from the Government, IRS and greedy attorneys…All of it, part of it or none of it. 5. One final question…I’m just curious…If we believe the Government statistics people are now living up to 85-90 years old…Which is fine and wonderful. I specialize in helping people have retirement money from the 11th to the 20th year of retirement. Would that be important for you? 1. 2. 3. 4.

If I get five yes answers I usually always have an appointment. I would say, “are you a morning or afternoon person.” I’m planning on being out in your neighbor later today or tomorrow delivering 2-3 “Wealth Kits” to several of your neighbors. Would it be a burden if I stopped by your house and left my car running and hand delivered a kit to you and maybe introduced myself to you. Good I’ll see you between 2:00 PM to 3:00 PM. Using the above approach I was able to book 3 out of 10 phone calls I made ti a niche list of widows.



Annuity Approach It is extremely important that the caller’s tone remain humble and soft in the delivery of this call. The idea is to have the prospect feel free of the normal sales pressure they get on the phone. There has to be pauses, a low humble voice, and no enthusiasm, because we just want to find out if they have an interest in increasing their interest rate on their savings. We don’t want to offer the solution. If they insist, we can say one of our more attractive options has been fixed annuities, and tell why. It has to come across as soft so that they feel open to talking. And if we find out they are NOT open, that is just fine Too, because hopefully it is the truth. We then thank them humbly and are on to the next call. This opens up the possibility to call them back in the future with the same soft approach.

Second Script for Annuity Appointments Hi,…, I’m hoping you can help me out for a moment. I was just wondering if you were still open to receiving a quote on a fixed annuity. Who are you? What’s this about? My name is ____, and I’m with __________, and I’m licensed with the state of ______ to offer fixed annuities from all the top annuity companies. When you were looking for an annuity quote on line what were you considering? Thank you for sharing that with me. Annuities come in all shapes and sizes and I want to make sure I give you a quote on an annuity that is a good fit for you. Would you mind if I asked you a few questions just to help me determine which might be the best solution for you? Okay, thanks! By the way, have you owned an annuity before or do you own one now? (If yes) What was it that attracted you to purchase a fixed annuity? Is there anything you would change regarding the annuity(ies) you have purchased in the past? (If no) What has kept you from purchasing one up until now? Have you ever had a negative experience with someone offering fixed annuities? All fixed annuities guarantee the return of your principal and interest. Some annuities pay a stated rate of interest over a period of years, sort of like a bank CD. Others pay a different rate each year, but they have the advantage of paying a higher return overall. Which would you be more interested in looking at? Many fixed annuities allow you to withdraw 10% of your funds each year without penalty. The longest annuities pay the highest benefits. Would you be open to looking at a ten year annuity?



Annuities bypass probate. That means your heirs never have to deal with lawyers or the courts before they receive their funds. Is that important to you? Some annuities pay a higher benefit if you become confined in a nursing home? Is that a benefit that is important to you? And about how much money were you considering investing if you found an annuity that made sense to you? Okay. Anything else on your mind when it comes to an annuity? Anything that I should be aware of? And who do you normally consult with before you make a decision about investing money like this? Okay, thanks. It will take me a day or two to complete my research. After that I would like to share what I have found for you in person. When would you suggest that you and (the person they rely on) meet with me? (If they balk at having the person they consult with there.) I understand how you feel. But without X there, I won’t be able to answer her/his questions, and it would be unfair for me to have you do that for me. So when do you think the three of us could meet?



We have a complete dripping campaign at http://www.instantclientattractionsystem.com Sample Life Insurance Emails to Send Out Email #1 Subject: Can you help me… [[firstname]] Could you help me for a moment. A while back you requested a quote for life insurance. Let me ask you a quick questions. If I can show you how to save up to 33% on your current life insurance if you have just 13 minutes to receive a quote. Also, do you know if you have the old life insurance or new life insurance. Knowing these answers can cost you thousands of dollars. Please call my office at xxxxxxxxxxx and we will give you a quote. Warmest Regards, P.S. Would you be interested in learning how to get critical illness benefits on your current benefits. If so please email me at [email protected]

Email #2 Subject: Warning! Clark County Residents may be OVERCHARGED! Are you aware that many Clark County Residents may be paying too much for their Life Insurance? Here’s what’s happening… You buy a life insurance policy, throw it into a bedroom drawer and never looked at it again for 10-15 years. Of course, we have life changes experiences in our life. We need to check to make sure the coverage is enough and the beneficiaries may need to be modified. I know one widower who never updated her beneficiary and only had one grandchild on the policy to inherit the money. Unfortunately, the other nine younger grandchildren were left out when we paid the one grandchild $100,000 in benefits. Oops! I’m sure she would’ve wanted to leave some type of living financial legacy for all the grandchildren who she dearly loved. We won’t go into any further details. In addition, many policies start out low the first year and then drastically go up over the next dozen years. That’s why it’s important to review your policy with a licensed Insurance agent on an annual basis. If you want to find out if you are overpaying for your own life insurance, just call our office number today to request a free quote.



There is no charge for this service. You may soon discover that this short 13 minute phone review may save you thousands of dollars. Warmest Regards,

Email #3: Would saving 33% on your current life insurance help you. [[firstname]] I’ll be brief… Would it be important if I can show you how to save up to $530 a year on your current life insurance? If you have just 13 minutes I can give you a no obligation “21st Financial Checkup” for your current coverage. Again, call me at xxxxxxxxxxxxxxxxx or email me at [email protected] Warmest regards, P.S. Would you be interested in a new Tax-Free Income Plan. Call me. Email #4: Did you know about this. [[firstname]] I don’t think you know about this… Did you know you have a number of benefits added to a life insurance policy. I’m talking about:  Critical illness riders  Disability income  Retirement benefits  Long Term Care All these benefits can be added for just a few cents per day. Also, according to a recent survey of life insurance holders many had no idea if they had the old life insurance or the new life insurance. Of course, the difference is you pay more for the old life insurance and get less benefits. Learn the true about having a new life insurance policy. Please call my office at xxxxxxxxxxxxxxxxxx Warmest regards



Email #5 Subject: You may be paying too Much for Insurance Warning-You May Be Paying Too Much for Insurance!

2011 New Tax Law Saves California Man 33% on His Life Insurance. Mark Charles Staff Writer

Phoenix AZ. When Thomas B. of Arizona was told by his financial advisor that he had the old life Insurance policy he was very upset. He wanted to know what the difference between his current Life Insurance policy and the new Insurance policies. His advisor explained that Insurance Commissions had updated the mortality table from 1980 because people are living longer now—BIG difference in life expectancy. Plus, prices have dropped like a rock off a cliff. In addition, the new Life Insurance policies offer super accelerated benefits, such as disability, long term care, terminal illness coverage and even Tax-Free Income Wealth Transfer for only pennies. After answering some basic health questions over the phone his advisor determined that he could increase his life coverage and still cut his premium by a whopping 33%. Here’s the bottom line; he learned how to use Life Insurance for the ultimate tax-free wealth transfer. To learn how you can capitalize on the new 2011 tax laws and lower mortality just click here or call our 24 hour recorded message hotline at 80000000 Warmest Regards, P.S. If you’re concerned about your future retirement income you may want a no cost 30 minute “21 St Century Financial Check Up” by call our 24 hour recorded message at 800-



Sample Postcard

Warning- Joyce You May Be Paying Too Much for Insurance!

2011 New Tax Law Saves California Man 33% on His Life Insurance. Mark Charles Staff Writer Los Angeles, CA. When Thomas B. of California was told by his financial advisor that he had the old life Insurance policy he was very upset. He wanted to know what the difference between his current Life Insurance policy and the new Insurance policies. His advisor explained that Insurance Commissions had updated the mortality table from 1980 because people are living longer now—BIG difference in life expectancy. Plus, prices have dropped like a rock off a cliff. In addition, the new Life Insurance policies offer super accelerated benefits, such as disability, long term care, terminal illness coverage and even Tax-Free Income Wealth Transfer for only pennies. After answering some basic health questions over the phone his advisor determined that he could increase his life coverage and still cut his premium by a whopping 33%. Here’s the bottom line; he learned how to use Life Insurance for the ultimate tax-free wealth transfer. To learn how you can capitalize on the new 2011 tax laws and lower mortality call our toll free recorded message at 800-

Emails for Annuity Quote Prospects.

EMAIL #1: SUBJECT: Carla, here the information you requested. Hi, Carla, Last January you spoke to a member Of one of my marketing firms regarding Information on an annuity. You were looking for a quote for a possible Investment of $200,000.I am licensed by the State of Texas And represent all the top carriers available. If I can find out what you are looking for in particular, I can do the research for you so you can see what is available and whether Any of them might be a fit for you. Please email me or give me a call. Warmest regards



EMAIL #2 SUBJECT: Investors are still frustrated over 1% return on CD’s Investors Frustrated And Disgusted With 1% Return on CDs, Say They Are Victims Of Bank Greed…Free Report Reveals What To Do! Today’s consumers who are trying to protect and build their retirement nest eggs are frustrated and angry. They feel that banks are taking advantage of the economy to create obscene profits. The banks want people to keep their money tied up at these disgusting low rates and know a lot of us will not move our money because of the fear of the unknown. A free report called “The Secret Alternatives to CDs” has just been made available. This report explains, in simple language, a popular option on how to take care of your money and shows you how to stop being at the mercy of the bank. Call toll-free at 1-800-000-0000, 24 hours for your free recorded message and request your free report. Call now and find out what the banks hope you never hear about! Or visit our website at www.

Email #3 SUBJECT: Tired and disgusted with 1% CD rates. I Know You’re Frustrated With Your Low CD Rate. This report reveals how you can beat banks at their own game with your money. How else can anyone explain why the banks are charging 19% on credit card balances and paying 2% on CD's. This is a rip off to investors. You are like most folks who have worked their entire lives, and now because of a disgusting low CD rate, find yourself struggling to make ends meet. The good news is thanks to a number of financial institutions and organizations like AARP, the tide is turning. A FREE REPORT called "10 Things Your Banker Doesn't Want You To Know" has been made available for the first time. This report explains in detail how to stop your greedy Bankers from taking advantage of you and your money. Call (800) 000-000 24 hours a day our recorded message for your free report. Or visit our website at: www.Promoneyreports.com/russjones



Email #4 SUBJECT: The Great Retirement Betrayal Lies that can sabotage your retirement and cause you a retirement nightmare! Lies, Lies, Lies and Half Truths…You need to be aware of the following: “My money’s safe in the bank… “My living expense will go down when I retire… “Bonds are safest… “CD money is for long term investment… “Medicare will pay my bills if I get sick… “Social Security will be there for me… “Inflation will not affect my retirement income” We can give you an overview of ideas that may help you…     

Shelter more of your money from taxes (with several tax minimization techniques your accountant may not have told you). Fight inflation (not with just a few fashionable hedges, but with a comprehensive investment strategy). Earn higher investment income (with several well-chosen, low-risk investments currently yielding a return substantially higher than you may be getting at your bank). Meet soaring college education costs (with techniques which may help you pay a significant portion of your children’s tuition with money you might otherwise pay in taxes). The number one key to wealth Learn how to protect the money you make against taxation and inflation.

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Sample Postcard

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Sample Memo Letters You Can Use For Followup on life Insurance

Dear Mr. Brown About 10 days ago you requested our insurance quote and agreed that you wanted to go ahead with the application and see if you can qualify. Unfortunately, we haven’t heard from you nor received the application back for processing. I’m wondering if some disgruntled postal employee is still holding on to our letter or it was lost in the mail. Please remember the insurance company will not be able to review the results of your para medical screening, or give you a decision on approve your policy until the application is received. It Is vitally important before we can insure you and protect your family from an untimely death we need to know how we should move forward in this matter.



Please mark your response and return this letter to me as soon as possible in the envelope provided. Also, I’ve included a stamp to pay for the return envelope. ___ I have mailed my application back to you just the other day. You should have it shortly. ___ I am still interested in qualifying for the policy so make sure you arrange a date for the physical. ___ I’ve been busy and I’ll mail it tomorrow. ___ Forget it! My neighbors son in law has a friend who just got his insurance license and he want me to be his very first client. ___ Call me because I have a few more questions to ask you.

Thank you in advance for your speedy response to this important matter. Warmest Regards, P.S. Let me know one way or another if your still interested in protecting your family. And yes, it’s perfectly ok to just say NO! Just let us know and we will close our file on protecting you and your family from an untimely death.

Still waiting for your response to the last letter.

August 1, 2011 Dear Mr. Brown, About 10 days ago you asked me to send you an application for a life insurance policy that you were interested in trying to qualify for. However, our office just told me they haven’t received your application. Since you haven’t answered my email nor returned my phone call, I’ve decided to send a follow up letter to make sure you’re are still ok to proceed with the application. Please call me ASAP at XXXXXXXXXXXXXXXX

Warmest Regards, P.S. If I don’t hear from you shortly I’ll have to put your application in the cancelled file.



Final Close Out Letter

August 30, 2011 Dear Mr. Brown, This letter is to notify you that your recent application for applying for Life Insurance has been closed out for the following reason: ___ At your personal request via the phone or by mail. ___ Your failure to pay the first premium. ___ Failure for you to forward the application in 30 day time period. ___ Your failure to supply the insurance company with additional information. ___ Your physician would not respond to our medical request. ___ Due to your medical exam or medical information discovered in our review. ___ ________________________________________________________

Warmest Regards,

PS. If you have any questions, concerns, or the information above is in correct please call our office at XXXXXXXXXXXXXXXXXXXXX



Welcome Letter and Lottery Ticket

August 15, 2011

Dear Mr. Brown I attached a lottery ticket to this letter for two reasons: 1. First, I wanted to attach a lottery ticket to this letter to get your attention and hope you win a million and buy more insurance. 2. Second, thanks a million for using and trusting our service. I recently submitted your application to our insurance company for processing. It will take from four to eight weeks from the time you take one of our Para medic exams at your home and to determine your edibility. So, don’t think I forgot you if you don’t hear from me in four to eight week or more. If you have time limitations on your current policy premium payments please call my office at XXXXXXXXXXXX and we will try to get the insurance company to speed up the process of approval. I feel fortunate to have you as a future policy holder and I hope you win a million $$$.

Warmest regards,



Confirmation letter

August 30, 2011

Confirmation of Life Insurance Approval Dear Mr. Brown Congrulations! This letter is to inform you that you have been approved for a $250,000 life insurance policy with Ohio National Life. Your policy number is 5467908 is confirmed and were waiting for your policy to issed and mailed to our office. I will mail your policy to you in about 2 weeks, when you receive it you will have 30 days to review the policy. If you are not 100% satisfied with your policy, you may return it to our office. If you have any questions concerning this policy just call our office at XXXXXXXXXXX. You can also call me on my cell phone at XXXXXXXXXXX

Warmest regards,



Policy Delivery letter

Agust 30, 2011 Dear Mr. Brown, Enclosed you will find your policy for life insurance. Please sign any forms where we have marked an X for your signature. Also, please enclosed a check for $57 made payable to Ohio National Life. I’m thrilled you have taken the proper steps to protect yourself and family with this policy. Feel free to contact me anytime at XXXXXXXXXXXX with any further questions or concerns. Let’ stay in touch. P.S. If I have not received your forms by ____________ date the insurance company may require you to take an updated physical. So be sure to send your forms right away so you can avoid getting stuck with another needle.



Wholesale Lead Order Form and Invoice FAX Back to 800-397-3840

"Now You Can Save up to 75% on Internet Life Insurance, Senior Health and Final Expense Leads for Just $3.00 to $1.00 Each." Seasoned Annuity Leads are just $10.00 in limited States Why pay $450 for a 1,000 mailers from Kramer or Premier Leads and only receive 1% response. Cost of lead would be $45.00 and still only have 10 suspects. Name _______________________________ Email ________________________________________ Address _________________________________________ State ________ Zip ________________ Phone ________________________________ Cell ________________________________________ Leads request: _____ Final Expense

_____ Life Insurance

_____ Health ____Medicare Age

Amount requested: 50______ 100___ 200 leads _____ 400 leads _____ 1000 Leads ____ Amount needed Geography I want the following area codes ___________________________________________________ Age range ___ 35 to 65

Final expense leads ____ 50 age to 75 age group. ________ Age request

Cost for leads: ordered Type of lead __________________________ Total cost of leads __________ We guarantee a 10% appointment rate from these life insurance leads or we will get you more leads. You receive all your leads on an Excel spread sheet. Cost for life, final expense or health leads 31 to 260 days old. 100-199 leads for $2.00, 200 to 399 leads for $1.50. 400+ leads are only a $1.00.

You can buy aged annuity leads over 31 days old to 13 months. Cost for 50 seasoned annuity leads is $10.00 a lead. Buy 100 annuity leads for $8.00 per lead Seasoned annuity leads are only available in your favorite area codes and then we go statewide on the balance. !!! All leads have the amount of investment. Plus, all prospects have search the internet for “Best annuity quote” and “annuity quote.” LIMITED AMOUNT AVAILABLE IN EACH STATE. State _____ Quantity of annuity leads ______ . To initiate this agreement sign this invoice and return via fax to 800-397-3840 Please refer all questions to the customer service department at [email protected] . Please allow 24-48 hours for response. Name on Credit Card ____________________________ Expiration date ____________ CID# ___________ Account Number _________________________________________________________________________ Authorized Signature: ________________________________________________Date _________________ Your Credit Card will not be charged until we have verified that the leads you requested are available and they have been secured and reserved for you. All sales are final. No refund on Internet leads. Fax back to 800-397-3840 or send check to Great Western Consulting LLP., Great Western Consulting LLP., is not responsible for scrubbing leads vs Do Not Call Lists. The client assumes this responsibility if he solicits consumers by phone. Not responsible for wrong phone numbers. The client is responsible for compliance with state and federal laws. 550 East 100 South, Hyde Park, UT. 84318. Questions call Russ at 435-563-4749. LO________ CC_________ De ________



Special Report

How One Texas Agent Makes a Six-Figure Income Selling 5-6 Life Insurance Applications a Week over the Phone. The following are the tools you can use to start writing 5-6 life applications per week.



The Non Selling Approach to Getting Appointments for Life Insurance Yes, this is Tom…Is this Mary? Maybe can you help me out for a second…Answer you want them to say is “how can I help you” Yes, the reason for my short call today is a few weeks ago (I received a card in the mail) or I was given your name because you may be interested in receiving financial information on how you may save up to 33% on your Life Insurance. May I ask you just one question… Do you currently own the old life insurance or the new life insurance policy? Wait for answer… Again, my name is _______ I specialize in savings people like you money on their current life insurance. That would be important to you, wouldn’t it? The difference between the old life insurance and the new life insurance is you don’t have to die to use it; the new policies also have chronic illness, critical illness, terminal illness and disability riders for only a few pennies a day. The reason for my short call today… …I’m just calling to see if you would be open later in the week or on Monday or Tuesday because I’m going to be in your neighborhood visiting with several of your neighbors …My schedule is extremely tight…So I can only stop by for maybe for two minutes before I move on to my next appointment. I’ll probably leave my car running if you live in a safe neighborhood. I’m booked SOLID! What I would like to do is stop by and leave you a quote and would it be a burden on you if I shook your hand. That’s fair enough, isn’t it? Are you a morning or afternoon person? Wait for answer…Would 10:15 or 11:30 be better on Tuesday or Thursday. Good, is this a good time for your spouse, isn’t it? If you’re selling life insurance over the phone you will modify the above phone presentation. If you received this lead from a postcard, direct mail or had a phone counselor generate this lead you can ask the following questions in your follow up. 1. Recently you spoke to our office to receive a quote on how to save up to 33% on your current Insurance and receive more benefits. 2. Did I reach you at good ok time and do you have a few minutes now. 3. Confirm information you may have already collected. 4. We represent a number of companies to give you the best quote available for the new life insurance. 5. Were plugged into a network that rates life insurance from the highest to the lowest in cost, plus we can add and subtract different benefits. 6. Here’s how it works. We get you a Para Medical at your house or office. 7. We pay for it all. 8. We do the underwriting 9. Then you can make your decision. 10. Then if you’re happy with it will get you the policy. You have 30 days to review it. 11. That’s fair enough. 12. File out application or cheat sheet and process for issuing policy.



Highly Niche List and Lead Order Form 1) Life Insurance Policy Holders - only comprised of actual life insurance policy holders. (Great list to be used to target those individuals who might not be totally happy w/present policy, or who might be price shopping or may be looking for another agent?) Many of these life Insurance policyholders have the old life Insurance and need to upgrade to the new if they qualify health wise. Can also include these other options, at no additional cost: (Includes phone script for calling.) -Income or Net worth of their choice -Age select of their choice -Homeowners only Cost to you on these leads: YES, I Want ___ 1000 names for min fee of $450.00___2000 names $550.00 ___3000 names $650.00 Age group _____ Homeowners ___ Yes, ___N0____ ___ YES, I must have all phone numbers for calling. ___Phone numbers where available. 2) Now you can sell $1,000,000 Term Plans to Active Investors (either self-reporting or evidence that they are investing in one or multiple areas of investments), age 35-60 with estimate net worth of $250,000, $350,000 or $500,000. These are designed to be sold over the phone. (We have the pre-approach postcard and phone script you can use.) These leads are great for agents who just one to seat at home and make calls on these leads. Cost to you on these leads: YES, I Want ___ 1000 names for min fee of $450.00___2000 names $550.00 ___3000 names $650.00 Age group _____ Homeowners ___ Yes, ___N0____ ___ YES, I must have all phone numbers for calling. ___Phone numbers where available. 3)Medicare Prospect Leads - (turning 60-65) This one can be pulled with additional option of income of their choice, homeowners only, if you like, and we will pull the birthdates that match up to the age groups they're looking for. (Includes phone script for calling.) Cost to you: YES, I want ___2000 Medicare profiles list is $495.00. ___3000 Medicare profiles list is $695.00. ___Yes, must be homeowners. Age group _____ 4) Final Expense type prospects Specialty File of Seniors with Health Issues or Health Concerns including FE prospects. We can also get you widows list for the same price which are excellent prospects for Final Expense. (Includes phone script and Final Expense Marketing System) Age 60-78-Phones where available. Cost to you: YES, I want ___1000 names, min order fee of $420.00 ___2000 names are $520.00 ___3000 names are $520.00 Age group ________ YES, I want ___ 1,000 widows for $350.00 or ___ 2,000 widows for $450.00



5) This is a Premium Business List and not one of those cheap compiled lists you can buy off the Internet. Business File Great for Life Insurance, annuities (and does include all sorts of professional groups too, like accountants, doctors, attorneys, architects, etc) Excellent database and is made up of 100% business data. Includes name of the contact (usually will want to pull Pres/Owner or CEO, etc or will be the name of the individual professional in private practice), includes title, name of the business, business address, city, state, zip/zip4, business phone, SIC Code/SIC description, which indicates what type of business it is and if employee size is selected, will include that data as well. Note: Can pull any criteria that they like and most advisors/agents do very well with small to medium sized businesses. (Pre-approach postcards and phone script available.) Cost to you: YES, I Want to order ___1000 names for min order fee of $450.00 ___ 2500 names for $660.00 Name_____________________________ Phone ______________________________ Email _______________________________________ Address ________________________ City ________________________ State _____ Zip __________________________________ (Please print clearly because we email you the list) Age Group 60-78 or you select __________ Phones where available. If you have to have all phone numbers we will have to expand the radius. ___ Yes, I need all phone numbers. I want leads in the following zip code and out 25 miles __________ OPTIONS Choose cities or select zipcodes _____________________________________________________________ Name on card ________________________________________________________________ Credit card #_____________________________________________ Exp. Date__________ Signature _____________________________ Last 3-Digit code on back of CC _________ All orders are final. No refund on leads. You own these leads and can work them for the next 12 months if you like Fax back to 1-800-397-3840 for list count or to order. Allow 1-2 days for results or delivery. Lists are emailed to you in Excel Program. Questions call: RJ at 1-435-563-4749



Annuity, CD, IRA, 401 K and Mutual Fund Lead Order Form and Counts Our Top Member Last year wrote over 8 Million in annuities using this list. When you order these leads it will include our Million Dollar Annuity phone presentation, preapproach letters, postcards, first interview presentation. A complete turn-key annuity system. Name_____________________________ Phone ______________________________ Email _______________________________________ Address ________________________ City ________________________ State _____ Zip __________________________________ (Please print clearly because we email you the list) HIGHLY TARGETED INVESTORS LISTS IRA Holders, CD Holders, IRA/401K Holders, or Mutual Fund Holders Leads: These are individuals who have indicated in response to a survey (could be internet survey, mail-in survey respondents, survey completed at financial seminar, or investor of record in these areas, but typically, will be survey responders) Most are indicating that they are presently investing in these areas, some are indicating that they have invested in these areas in the past. Can select by area of investment and will be included on the completed list (ie: if you do IRA Holders or CD Holders, We will identify which are IRA Holders and which are CD Holders) Great for Life Settlement business. ___I want investor leads within a 25 mile radius of the following zip code ________ Or select favorite cities ___________ __________ __________ ____________ I want the following leads: ___ Investors with CD’s, IRA/401K or Mutual Funds. Or you can select targeted investors ___ CD Holders, __IRA/401K __ Mutual Funds Select lead amount. ___1000 investor leads for $450.00 ___2000 investor leads for $550.00 Age Group 60-78 or you select __________ Phones where available.If you have to have all phone numbers we will have to expand the radius. ___ Yes, I need all phone numbers. Name on card ________________________________________________________________ Credit card #_____________________________________________ Exp. Date__________ Signature _____________________________ Last 3-Digit code on back of CC _________ All orders are final. No refund on leads. You own these leads and can work them for the next 12 months if you like Fax back to 1-800-397-3840 for list count or to order. Allow 1-2 days for results or delivery. Lists are emailed to you in Excel Program. Questions call: RJ at 1-435-5634749



Order Form for Life Insurance Owners and Mailings Life Insurance Policy Holders - only comprised of actual life insurance policy holders. (Great list to be used to target those individuals who might not be totally happy w/present policy, or who might be price shopping or may be looking for another agent?) Many of these life Insurance policyholders have the old life Insurance and need to upgrade to the new if they qualify health wise. Can also include these other options, at no addtl cost: (Includes phone script for calling.) -Income or Networth of their choice -Age select of their choice -Homeowners only Cost to you on these leads: YES, I Want ___ 1000 names for min fee of $450.00___2000 names $550.00 ___3000 names $650.00 Age group _____ Homeowners ___ Yes, ___N0____ ___ YES, I must have all phone numbers for calling. ___Phone numbers where available. ____ Yes, mail 2,000 direct mail pieces for $900.00.

____ Yes, mail 3,000 direct mail pieces for $1300.00 ____ Yes, mail 4,000 direct mail pieces for $1700.00 Mailing Count and Double Side Postcard Request and Order Form Name_____________________________ Phone ______________________________ Email _______________________________________________ Address _________________________ City ____________________________ State _____ Zip _______________________________________ (Please print clearly because we email you the list) Name on card _____________________________________________________ Credit card #___________________________________ Exp. Date__________ Signature _________________________ Last 3-Digit code on back of CC _________ All orders are final. No refund on lists or mailings. You own these lists, not rented Fax back to 1-800397-3840 for list count or to order. Allow 1-2 days for results or delivery. Lists are emailed to you in Excel Program. Questions call: Russ at 1-435-563-4749 Visit Http://www.InstantClientAttractionSystem.com for more details on our turn-key lead generating system.



Cost per 1,000 is $450. Minimum order is 2,000 We use your list for mailing. We recommend you buy a list of Life Insurance owners Warning-You May Be Paying Too Much for Insurance! 2011 New Tax Law Saves California Man 33% on His Life Insurance. Mark Charles Staff Writer Los Angeles, CA. When Thomas B. of California was told by his financial advisor that he had the old life Insurance policy he was very upset. He wanted to know what the difference between his current Life Insurance policy and the new Insurance policies. His advisor explained that Insurance Commissions had updated the mortality table from 1980 because people are living longer now—BIG difference in life expectancy. Plus, prices have dropped like a rock off a cliff. In addition, the new Life Insurance policies offer super accelerated benefits, such as disability, long term care, terminal illness coverage and even Tax-Free Income Wealth Transfer for only pennies. __ Yes, I would like to receive a free quote and a brochure After answering some basic health questions over the “Quality Life For Tomorrow’s Peace of Mind.” phone his advisor determined that he could increase his life coverage and still cut his premium by a whopping 33%. Signature ___________________Age: ________Spouse’s Age ________ Phone (_______) ____________________________________________ Here’s the bottom line; he learned how to use Life (area code and phone number ensures proper routing) Insurance for the ultimate tax-free wealth transfer. To learn how you can capitalize on the new 2011 tax laws and lower mortality return the card below. Thomas Wright

550 East 100 South Hyde Park, UT. 84318 Please mark out barcode below your city, state and zip before remailing



National Marketing Office 435-563-4749 31 Reasons Why You Should Compare the Contract of American Memorial (Assurant) With Other Final Expense Carrier. 1. 2. 3. 4.

We offer General Agents contracts of 120% commission. You will receive LIFETIME renewals of 8%. Receive 20 leads a week based on production of $5,000 a month. Complete “7-Step Lead Generating System.” Includes Direct Mail, postcard system, surveys, ads, inserts, phone leads and agent websites. 5. Wholesale internet aged leads for $1.00 to $2.00 per leads. 6. You will receive a marketing and sales manual titled, “How I Sold 2500 Final Expense Plans in 10 Years and Accumulated Close to a Million $$$ in Renewals.” 7. We will show you how to build a million dollars in renewals building your final expense agency. 8. You can sell Final Expense over the phone. Receive a powerful phone presentation of one agent who sold $515,000 over the phone in 12 months. 9. Access to a powerful newspaper classified ad and state agent lists in your state and any other state. 10. Always an underwriting decision at the end of the Phone Inspection.....ALWAYS....a majority of other carriers do not give the underwriting answer IMMEDIATELY....very few of our competitors do this. And we never go off script asking more underwriting questions than are on the application....many other carriers ask more questions, underwrite further for a week or two and make underwriting decisions beyond the application questions. 11. ALL POLICIES ISSUES ARE IMMEDIATE FULL FACE...most other carriers have three contracts....two of which are graded death for two full years...so really the others often don't fully insure till the third policy year. 12. Contracts are available ages 0 through 85.....Most other carriers limit sales...normal is age 40-80. 13. Sales are allowed on either a SEEN or a NON SEEN basis.......you don't have to see the individual to sell the policy. Almost no other carrier allows a non-seen sale meaning: 14. That VOICE SALES are allowed.....never complete a paper application if you don't want to.....the ENTIRE sales process can be done by phone alone with the Underwriter.......Sales with a paper application are also fine to submit---almost no other company has Voice application capability. 15. We pay a 5% extra first year commission to the writing agent for simply completing the final wishes form for the applicant......an extra agent commission bonus. This final wishes form is kept on file till the death of the insured at which time the family can reference what the final wishes are....Many families don't know of the final wishes so this extra is free and the agent is rewarded for completing this form.--no other carrier does this. 16. Our commissions are OUTSTANDING AND all renewals paid are LIFETIME / NON REDUCING. The commission paid in the second policy year continue to be paid yearly as long as the premium are paid. We know of no other carrier paying lifetime / non reducing commissions to agents. 17. No E and O insurance is reacquired to sell our product. 18. We have separate phone numbers for the Spanish and for English phone underwriting interview. 19. We allow sales as large as $75,000 face except for those very young or very old applicants....most other companies have about a maximum face of about $25,000 face.



20. Underwriting- NO DIABETIC QUESTION OF ANY KIND ASKED OVER AGE 39. 21. MAINTENANCE DRUG USE FOR A PRIOR HEALTH PROBLEM DOES NOT KILL THE SALE.....with several exceptions where such drug use points to a major health issue. 22. Health issues are limited to one and two years ago only. Example: If a person had a heart attack three years ago, is using a maintenance drug and has had no other health issue since, we issue the contract. Standard full face is issued after one year of being without a NEW health issue and Preferred full face is issues after two years of being without a NEW health issue Thus, we offer immediate full face contracts. No one else offers this type of contract. 23. Except for a hand full of States that demand full contracting before selling we allow both the first sale and the licensing paperwork to be submitted together. 24. We will issue contracts and pay commissions within two days.....except the first application where a week is needed to complete agent contracting also. This is as good or better than any other carrier. 25. We pay licensing fees if an application comes in with completed licensing forms. 26. WE have a conservation department......where we call all "premium over-due" policy owners to remind each to pay the overdue premium.........don't know of any other carrier that on a regular basis does this. 27. We have an on line web presence where the agent can reference policy status and a whole lot more. 28. Our premiums are the lowest of any carrier between ages 76 and 85. Our premiums are sometimes slightly higher ages 50 - 75...not much, but a little....With what we have to offer we know this to be acceptable. 29. American Memorial is in 49 States, now already approved in all states today except for New York, MT. and the State of Washington. We are owned by ASSURANT and as such we have over 26 BILLION in assets behind us.....we have more assets than ALL the other final expense carriers COMBINED. 30. Commission advancing is available....to agents that have a good credit history. Commissions are usually paid twice a week. 31. You can call my office at any time to discuss your sales and marketing strategies. We invite comparisons. We are the very best final expense carrier. No doubt about this fact. Email us for contracting. Russ Jones 435-563-4749. [email protected] National Marketing Office 550 East 100 South Hyde Park, UT. 84318 FAX 800-397-3840

