Mortgage Protection Direct Mail Program

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1 Mortgage Protection Direct Mail Program Tap into a market that is surging back into popularity! With millions of refinances and new home sales, Americans are interested in protecting their largest purchase with life insurance. Today s products, however, come with a twist: They include the ability to utilize the death benefit for things other than DEATH. 48% of foreclosures are caused by surviving a Critical Illness such as cancer, heart attacks, or stroke. Only 3% are actually caused by death? Surprised? Living Benefits now available with life insurance will make some of the death benefit available in the event of a qualifying critical or chronic illness so your clients have the monies they need to stay in the home during and after recovery! Give Us A Call Today To Discuss Niche Market Insurers

2 About Niche Market Insurers Niche Market Insurers is a national life insurance marketing organization that specializes in connecting life insurance agents to under served niche markets within the life insurance industry. NMI started out as Life4Diabetes (life insurance for diabetics) and we have expanded into other specific niche markets like Mortgage Protection Life Insurance. Our main goal is to provide unparalleled agent support that you will not find with ANY other marketing organizations while introducing insurance producers to Niche Markets that have readily available lead programs that we ve developed to increase your commissions.

3 Statistics * 48% of mortgage foreclosures are the result of financial hardship due to critical illness (only 3% are due to death) At the end of 2012, 65.4% of U.S. households owned their own home. About 35 million, or 30% of U.S. households, do not own their own life insurance policies and are not covered under employer sponsored plans. Up from 24 million or 22% of households without coverage in Today there are 11 million fewer American households covered by life insurance compared with nine years ago. Here s the bottom line: A majority of families either have no life insurance or not enough, leaving them one accident or terminal illness away from a financial catastrophe for their loved ones. More troubling still is the fact that 60% of all bankruptcies are for medical reasons. Medical bill bankruptcies increased by nearly 50 percent in a six-year period, from 46 percent in 2001 on up to 62 percent in Most filers hailed from the middle class, and were well-educated homeowners, according to a report published in the August issue of the American Journal of Medicine. *Causes of Home Foreclosures Health Matrix, 2009 *Source: Housing Vacancy Survey, First Quarter 2013, U.S. Census Bureau *Source: LIMRA Trends in Life Insurance Ownership Study

4 The AGLA Advantage Life Insurance You Don t Have To Die To Use A unique and innovative way to help customers protect themselves, their loved ones, and their current and future financial security, Life insurance with living benefits can provide policy owners and those who depend on them with stable, secure life insurance protection with benefits they don t have to die to use. While protecting families against unexpected death, these policies are also designed to help people survive financially what they survive physically. Specializing in meeting the needs of the middle America market, What if your clients suffer a major heart attack, stroke, or invasive cancer and don t die? Would their family be able to maintain their standard of living if they were financially impacted by a serious illness? Sales Focus- Term up to 35 years, issued up to age 80 No Lapse Guaranteed Universal Life Index Universal Life with strong cash value accumulation Simplified issue available Accelerated Benefit Rider- Living Benefits Issued with policies at no additional premium Critical Illness-Major heart attack, coronary artery bypass, stroke, invasive cancer, blood cancers (Leukemia, Lymphoma, and Multiple Myeloma), major organ transplant, end stage renal failure, paralysis, coma, and severe burn Chronic Illness-Unable to perform at least 2 out of 6 activities of daily living (ADLs). Terminal Illness- Life expectancy of 24 months or less *Accelerated benefit riders may vary by state, check state availability and policy for details

5 Mortgage Protection Life Direct Mail Program We have negotiated a discounted rate through one of the industry s best direct mail lead vendors, Lead Concepts. A full 8.5x11 letter sized mailer is sent first class postage with a privacy return envelope and card. First class outgoing postage is used to ensure that your mailing is getting there before our competitors. What is included: Pricing: Targeted Mailing List Mortgage Letter or Card Privacy Envelope for Responses 1st Class Outgoing Postage To Make Sure Your Mailing Gets There First Leads Are Scanned And ed The Day They Come In Hard Copies Of The Leads Are Mailed To You Twice A Week Normal pricing is $650 per thousand mail cards mailed. We have negotiated a direct discount with the lead vendor to bring you the best pricing in the industry: Mail Cards Ordered are $ per thousand Mail Cards Ordered are $ per thousand Mail Cards Ordered are $ per thousand Want to get to your leads even faster? You can also purchase the raw data list containing all of the names that are included in your mailer.

6 Mortgage Protection Prospecting Phone Script Hello, I m following up with you about the Mortgage Protection card you filled out regarding your $ 250,000 Loan. How are you Do you remember filling out your information and confirming MARY as your Spouse then mailing that back to us? The address regarding this Mortgage is 123 Hemmingway lane, everywhere, NY Getting intimate factual confirmation is key. Always reference a personal ACTION they did. Not general information. So using the correct words are crucial. (actual information they hand wrote makes this intimate communication). When formal communication is used, you are automatically lumped into a telemarketer. Well that s exactly why I m calling. (no mater what they say, this is a great response.) If they remember in any form, Great, that s exactly why I m calling. I don t remember, Well that s exactly why I m calling. Go back to actual information they hand wrote. Let me confirm a little more information you filled in. You put your 5 10 and weigh apx 190lbs and Mary Is 5 5 and is 120LBS. You also stated neither of you smoked in the last 12 Months correct. John, you also checked off yes to either HBP/ Cholesterol, which one or both? Are you taking medication for this, what about any other Medications At this point, any caller and client should have a personal connection. From here it s the approach of why you re calling. In this case, I would go back to the actual information on the response card they received and returned. Finding the hot button!!! This is the place for your extended elevator pitch. It can t be more than a minuet! How familiar are you with LIVING BENEFITS? Basically this is Insurance you don t have to die to use. No matter what happens to you and Mary, you will never have to worry about your $250K mortgage. Both of you will be completely protected should you become disabled and can t work, if either of you become unemployed, suffer a Chronic, Critical or Terminal Illness and when you pass away. Additionally, if the benefits are not used you will receive all of your premiums back. Most of all, you and Mary will have piece of mind knowing that you WILL NOT lose your home. You have to go to the close. So often, I see people talking about them, the company, the products on and on but when it comes to actually closing and booking the appointment they are ineffective LESS IS MORE HERE!! John, You stated on the card that the best time to call is after, are you and Mary normally home after then as well. Great, I have this Tue or on Wed. Which one is better for BOTH of you?

7 CONFIDENTIAL NEEDS ANALYSIS PERSONAL DATA: DATE: Name DOB Occupation Retired? Yes No Is spouse retired? Yes No Spouse DOB Occupation If not, what age do you plan to retire? If not, what age will spouse retire? Address Home Phone Work Phone Children: Name City/State Name City/State Name City/State Name City/State EXISTING INSURANCE COVERAGE: Life Insurance Critical Illness Insurance: LTC Insurance: Disability Income Insurance: Yes DBA No Yes No Yes DBA No Yes No MORTGAGE INFORMATION: Home Value Other Real Estate Value Debt Amount Mortgage Other

8 MONTHLY INCOME: Employment/Self-Employment Pension Social Security Bank Interest (CDs, accounts) Investment Income Other How do you expect your income to change over the next ten years? (Check one) No Change Increase Decrease PLANNING GOALS: Primary reasons for considering Life Insurance are: To help protect my mortgage To help protect my assets To help me afford needed LTC services To help protect my family s standard of living if a critical illness occurs To help protect my family s standard of living if a disability occurs To help protect my retirement To help protect my estate for my heirs To help avoid Medicaid or relying on government programs in the future To help preserve dignity MEDICAL INFORMATION: Please list any Medical Conditions and Medication(s) being taken regularly:

9 LIFE INSURANCE AND FINANCIAL RISK DETERMINATION: Homeownership would represent the largest single expenditure for many families. It is also one of the most important assets to be protected with insurance to protect the family against potential default due to the illness or death of a breadwinner. With 48% of mortgage foreclosures being the result of financial hardship due to critical illness (only 3% due to death), it is important to assess your own risk of becoming a part of that statistic. 3 out of 4 people (75%) over the age of 40 will experience a critical illness at some point in their future 1 45% of heart attack victims are under the age of Estimates are that 6.4 million people in the United States age 65 and over need long-term care, with one in two people age 85 and over requiring this type of care 3 Men have a 1 in 2 risk and women a 1 in 3 risk of developing cancer in their lifetime 4-1 in 4 cancer patients or their families said they used up all or most of their savings to pay for treatment - 1 in 8 people with advanced cancer turned down recommended care because of cost to 2008, spending on cancer care soared to more than $90 billion from $276 billion Is there longevity in your family? 1. Are your assets and income sufficient to provide for you and your family, should you experience a critical illness? Yes No 2. Are your assets and income sufficient to provide for long-term care expenses, should you need them? Yes No 3. Are your assets needed for any other special purpose related to estate planning (such as unique family needs, special bequests, or taxes)? Yes No 4. Are you satisfied with the amount of money you have accumulated for financial security? Yes No 1 Center for Disease Control, American Heart Association Heart Disease and Stroke Statistics Planning for Long-Term Care, United Seniors Health Council, Washington, DC McGraw-Hill Cancer Facts & the War on Cancer LIMRA 2007 NOTES: