Top insurance agents know their profession is similar to any business. You need to spend money to make money.

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1 OFG NATIONAL, INSTANT IMPACT REFERRALS is a specialized telemarketing company which finds small business owners/presidents and management executives that expect you to call them to discuss life insurance. We take pride in generating top quality life leads because we want to be your #1 permanent lead source. OFG NATIONAL, INSTANT IMPACT REFERRALS is owned and operated by successful life insurance agents who actually have used the leads and know how to work the program. Our unique telemarketing approach opens the door to prospects to increase your profitability and success. Reasons to invest in a professional lead generation program: OFG NATIONAL, INSTANT IMPACT REFERRALS will get you in front of business owners wanting to discuss life insurance. The reason why most life agents fail is because they don t see enough qualified prospects. Cold calling is a waste of your valuable time. On average, it takes approximately 1 hour to generate an interested prospect. Use OFG NATIONAL, INSTANT IMPACT REFERRALS and spend your time selling, not prospecting. Top insurance agents know their profession is similar to any business. You need to spend money to make money. Most agents average a minimum 7 to 10 times return on their investment on each order. OFG NATIONAL, INSTANT IMPACT REFERRALS takes the EXTRA steps to produce high QUALITY leads: We hire only full time professional telephone reps. We do NOT employ part time college students. Our telephone reps are the BEST. We pay TOP wages and give full time hours and benefits so we can attract and keep professionals. Telemarketing is a highly skilled profession and continuous training is provided to ensure ongoing quality. OFG NATIONAL, INSTANT IMPACT REFERRALS does not waste your time generating leads from employees, secretaries, the office staff, or the person who happens to pick up the phone. The prospect you will be calling will be the business owner, president, CEO, director or partner. You may choose the number of leads you receive each week. Most agents want 10 fresh new leads every week. Successful agents have proven that you need to consistently work this lead program and receive fresh new leads every week.

2 This will increase your return on the dollars you spend. Highly successful agents find the large multi-million dollar cases because they consistently receive new leads. Support to you is provided by our company who is owned by licensed agents who have 1,000 s of issued policies on the books in their own right. Our number one priority is to make sure you are successful using the leads because we want OFG NATIONAL, INSTANT IMPACT REFERRALS to be your permanent lead source. Therefore, we encourage you to call us anytime with questions. How OFG NATIONAL, INSTANT IMPACT REFERRALS are produced: We tell the new prospect that you are very experienced and you will do a great job for them because you represent many top rated companies. The prospect is expecting your call. Remember, they responded to the telephone reps for one of the following reasons: The prospect currently does NOT have any life insurance and they want you to call them with a quote. The prospect knows you can probably give them the general cost over the phone but you will want to meet to make sure you recommend the right type of policy. The prospect has agreed to this and they have given the best time for you to reach them. The prospect currently has life insurance but would like to know if they could save money or get a better policy through a different company. The prospect might need a longer guaranteed term, increased death benefit or a permanent policy. The prospect knows you will need to call them to get additional information on their existing policy so you can do a comparison. The prospect currently has life insurance but they know their current coverage is inadequate so they would like to get an "additional" policy. The prospect knows you can probably give them the general cost over the phone but you are going to want to meet to make sure you recommend the right type of policy. The prospect has agreed to this and the prospect gave the best time for you to reach them. The prospect currently has life insurance but they haven't looked at their policy in a long time and they don't know many details about their policy. The prospect would like a licensed agent to review their whole situation to make sure they have the best policy, lowest rate and adequate coverage. The prospect currently has life insurance but they would like to get a policy on another family member, a business partner, a key employee, or a policy to use as collateral assignment. The prospect knows you can probably give them the general cost over the phone but you will want to meet to make sure you recommend the right type of policy. The prospect has agreed to this and the prospect gave the best time for you to reach them.

3 The lead will contain an "additional comments" section. The telephone reps will note any additional comments that are made by the prospect so you will be prepared before you call the prospect. We only rebuttal a prospect ONE time. We do NOT "bend anyone's arm" to produce a lead. We know that if a prospect feels they are aggressively pushed into something, then they will only change their mind later when you call back. Therefore, our policy is to only use ONE rebuttal and if a new prospect is not interested after one rebuttal, then we do NOT produce the lead. The telephone reps are trained to record the prospect's comments exactly how they are stated. This gives the agent some insight into what the prospect knows about their current coverage. Many times a new prospect will say they have a whole life policy when actually it is a term policy. This indicates the prospect doesn't really understand what they purchased. You will find that most business owners do NOT know what they currently own. Most business owners do not understand life insurance and have not reviewed their current policy since it was issued. This fact opens the door of opportunity for you. The prospect was willing to take a few minutes out of their busy day to talk to a telephone rep about their life insurance because they have doubts in their own mind that they do not have the best policy or the best price. The business owner may have responded to our call for a variety of reasons. Maybe they purchased more property and acquired more debt, or maybe their business or family has grown. The call from our telephone reps generated their interest and reminded them that they need to review their current policy. Reasons to stop using other leads and try OFG NATIONAL, INSTANT IMPACT REFERRALS: Other leads DO NOT screen for major health issues. We do ask the prospect about their health. If your lead company does not screen for major issues, you will waste approximately 15% to 25% of your leads that will go absolutely nowhere. Everyone that has been in this business for some time realizes that if your prospect is uninsurable, then of course they want a policy and they want to pay only $15 a month! If your lead company does not screen for these issues, it will make your final lead price per lead substantially higher than you anticipated. You will get to work more during daytime hours and less at night. You will get higher annualized premiums because business owners typically have higher incomes than mom and dad. Business owners need more life insurance, they carry more debt.

4 Business owner's leads will get you multiple policies. Business owners need personal life insurance, buy-sell policies, key man insurance and collateral of assignment. OFG NATIONAL, INSTANT IMPACT REFERRALS will open the door to other products you have to offer. Use these leads to go after the life insurance, and then once you have your foot in the door, you can offer other products you sell. Many agents who consistently invest in leads from us also sell financial products, annuities, retirement plans, health insurance, long term care, group insurance, etc. Once a relationship is established with a business owner they will invite you to look at coverage on their partner, spouse, children and employees. NO more $10 a month term policies which cover small mortgages and homeowners in their 20's who stated they want to think about it, or they want to shop around. Every agent out there is working other leads. These markets are TOO COMPETITIVE AND TOO SATURATED which makes your mom and dad type of prospect want to shop around. Our telephone reps generate the prospects interest so they do not want to shop around. Your persistency will be higher with sales to business owners. Other leads are more likely to cancel a policy within the 1 st year for reasons like divorce, changes in employment, and financial problems. We find successful business owners which are more stable, have more income, and see the value in owning life insurance. GUARANTEED EXCLUSIVITY: Other leads are not name specific. Some companies sell these leads to multiple agents in the same area, resulting in the prospect (mom and dad) getting many calls from agents at the same time. This is the worst case scenario that you as an agent can be in with leads. What we do is cold call business owners and they know you are going to call, not anyone else! This guarantees the lead is only valid for you. OFG NATIONAL, INSTANT IMPACT REFERRALS are not for every agent. To be successful using this lead system you have to be willing to work hard. Just because you have an "INSTANT IMPACT LEAD doesn't mean you are going to have an easy sale. We open the door to the business owner and give you the necessary tools to get the appointment. The rest is up to you! Agents who SHOULD invest in OFG NATIONAL, INSTANT IMPACT REFERRALS: Agents that want a proven leader in QUALITY life insurance leads. We have been producing life insurance leads since We have produced hundreds of thousands of leads since inception. We have seen hundreds of lead companies go out of business since then. We produce every lead from an agent's perspective. Our philosophy is simple: We find the best prospects. We do an

5 exceptional job in screening the prospects. We double check that the prospect wishes to get a phone call from you. When you make commissions you always come back to us for more leads. Aggressive agents who have good follow up skills: Business owners are extremely busy and insurance is not always a priority to them. It takes patience, skill and perseverance. You might have to call them a few to many times to get the appointment and close the sale. Agents who know proper replacement procedures: You will need to verify facts before you can make a recommendation. Over 50% of the business owners do NOT know what kind of policy they own or how long the premium is guaranteed. We find most business owners are not sufficiently covered and need longer guaranteed terms. Agents with good selling skills and telephone skills: You need to be good on the phone. You will only be given a couple of minutes to make your point. Agents with good phone skills book the most appointments and make the most sales. It s up to you to practice and polish your skills. Most agents that have purchased leads from us average over a 50% appointment ratio. Agents whose primary business is LIFE INSURANCE: These leads are LIFE insurance leads. The prospect is expecting you to call them to discuss life insurance; however, many agents report success with cross-selling opportunities. Agents who should NOT invest in OFG NATIONAL, INSTANT IMPACT REFERRALS: Agents who are not persistent and who give up easily. Agents who talk too much and don't listen. Agents who are NOT interested in finding buyers for million dollar s PLUS policies. Agents who are NOT interested in TERM annualized premiums over $1, and CASH-VALUE annualized premiums in the multi-thousands! Agents who don t know and understand the following: "Converting leads is 57% lead quality and 43% salesmanship and follow-up quality" "Leads convert 22 times more often when you make contact the 1st day" "On average it takes between 5 and 6 attempts to contact a lead" "40% of quality leads will close with longer-term follow up - at least 90 days" "Nearly 78% of prospects convert with the company that contacted them first" 80% of sales are made on the 5th to 12th contact, but only 10% of sales people make more than 3 contacts with a new sales lead

6 48% of sales people never follow up with a prospect *Massachusetts Institute of Technology (MIT) Study on Leads FOR MORE INFORMATION, CONTACT: Mike Wedeking Or Lucien Gayle Management@OnlyFinancial.com