VOLUME ONE Always providing you a choice of options...where the path becomes apparent.

Transcription

1 fmipathfinder VOLUME ONE Always providing you a choice of options...where the path becomes apparent. Term Life Return of Premium Fixed Universal Life Indexed Universal Life Second-to-Die Traditional Whole Life Final Expense Multi-Year Guarantee Annuities Fixed Annuities Fixed Indexed Annuities Immediate Annuities Long Term Care Long Term Care with Universal Life Disability Income Critical Illness Medicare Supplement FOR AGENT USE ONLY.

2 fmipathfinder Always providing you a choice of options... where the path becomes apparent. Table of Contents Term Life Return of Premium... 5 Fixed Universal Life Indexed Universal Life Second-to-Die Traditional Whole Life...11 Final Expense Multi-Year Guarantee Annuities...14 Fixed Annuities...15 Fixed Indexed Annuities Immediate Annuities...18 Long Term Care...19 Long Term Care with Universal Life...19 Disability Income...20 Critical Illness...20 Medicare Supplement...21 Welcome to the first issue of the fmipathfinder VOLUME magazine ONE for This year is looking to be one of the most exciting years our industry has experienced in the past decade. Interest rates look to be on the rise, at least slightly; carriers are creating more innovative products than ever and awareness of the products you sell is increasing. This year marks the 20th anniversary of index annuities, where credited interest is linked to changes in equity indices. Can you believe it has been 20 years? Since 1995, the industry has issued over $400 billion within these products. Index annuities are now mainstream in our business. Why are index products so popular with consumers today? In this prolonged low interest rate environment, your clients are seeking safety of principal but still need and desire growth that is not easily achieved with other safe money vehicles. Currently, the 10-Year U.S. Treasury is hovering around two percent. During this same time in 1995, the 10-Year U.S. Treasury was around seven percent. Many baby boomers made retirement plans with those 1990 s interest rate assumptions. Now they are retiring and wondering how to sustain their retirement in historically low interest rates. This is a perfect storm for the products you sell. Welcome to the new opportunity for your baby boomers: index annuity products. For retirement planning, they can purchase a traditional fixed annuity product with rates around two to three percent. Or they can choose an index annuity product with potential, and realistic, long-term returns of four to six percent. Additional income riders, available on many fixed and fixed index products, provide clients a steady income stream they cannot outlive. Most products also offer partial, continuous access to the account for emergency needs while providing a lump sum or income stream to their heirs upon death. Baby boomers are overwhelmingly finding these safe money options fit their financial needs and goals. Are you on-board? We have created this magazine in order to inform you, the agent, of the numerous products Financial Markets, Inc. has to offer, including indexed annuities. You may also join us for our free weekly online training sessions to further your skills and learn about the various retirement tools you can provide your clients. Thank you for doing business with Financial Markets, Inc. P.O. Box 3980 Rapid City, SD For agent use only. Not for consumer use. Copyright 2015 Financial Markets, Inc. All rights reserved. No part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial For agent use only. uses Not all permitted of our companies by or products are listed. Please contact Marketing Department at for specific companies and products. copyright Refer law. to product brochures for complete details. Information subject to change without notice. Products available in most states. (02/15) R. Neil Sperling, LTCP Vice President, Financial Markets, Inc. We are here for your life. SM FOR AGENT USE ONLY.

3 Term Life Insurance Accordia Life and Annuity American General Life Companies Americo Financial Life and Annuity Insurance Ameritas Life Insurance Corporation Assurity Life Insurance Banner Life Insurance Issue ages from 18 to 75. Age nearest birthday. Minimum face amount $50,000. Conversion option available with convertible waiver. Accidental death benefit rider available. Additional insured rider available. Level Terms Including: ART, 10, 20, & 30 Years Issue ages from 20 to 85. Age nearest birthday. Minimum face amount $100,000. Conversion option available. Select Income rider available. Disability income rider available. Level Terms Including: 1, 10, 15 through 30 Years Issue ages from 20 to 75. Age last birthday. Minimum face amount $25,000. Waiver of premium for unemployment available. Accept/Reject through table 6. Non-med up to $400,000. Non-Med Level Terms Including: 15, 20, 25 & 30 Years Issue ages from 18 to 80. Age nearest birthday. Minimum face amount $100,000. Conversion option available with credits. 12-Month non-tobacco definition. Occasional cigar may qualify for non-tobacco rates. Level Terms Including: 1, 10, 15, 20 & 30 Years Issue ages from 18 to 75. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Other insured rider available. Critical illness rider available. Non-med up to $350,000. Level Terms Including: 10, 15, 20 & 30 Years Non-Med Level Terms Including: 10, 15, 20 & 30 Years Issue ages from 20 to 80. Age nearest birthday. Minimum face amount $100,000. Conversion option available. 12-Month non-tobacco definition. Medical second opinion program available. Level Terms Including: 10, 15, 20 & 30 Years Genworth Life Insurance Issue ages from 0 to 80. Age nearest birthday. Minimum face amount $50,000. Conversion option available. Occasional cigar use may qualify for non-tobacco rates. Liberal height and weight chart. Level Terms Including: 10, 15 & 20 Years 2

4 Term Life Insurance John Hancock Life Insurance Liberty Life Assurance of Boston Lincoln National Life Insurance Issue ages from 18 to 80. Age nearest birthday. Minimum face amount $500,000. Conversion option available. 12-Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Level Terms Including: 10, 15 & 20 Years Issue ages from 18 to 70. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Receive up to 90% of death benefit early if diagnosed terminally or chronically ill. Non-med up to $250,000. Level Terms Including: 10, 15, 20 & 30 Years Non-Med Level Terms Including: 10, 15, 20 & 30 Years Issue ages from 18 to 80. Age nearest birthday. Minimum face amount $250,000. Conversion option available. Non-tobacco rates for non-cigarette users. Level Terms Including: 10, 15, 20 & 30 Years National Western Life Insurance Issue ages from 20 to 65. Age last birthday. Minimum face amount $15,000. Graded benefit for 3 years. No tobacco classification. Liberal height and weight chart. Non-med up to $150,000. Graded Terms Including: 10 & 20 Years North American for Life and Health Insurance Issue ages from 18 to 75. Age nearest birthday. Minimum face amount $100,000. Conversion option available. Level Terms Including: 10, 15, 20 & 30 Years Protective Life Insurance Issue ages from 18 to 75. Age nearest birthday. Minimum face amount $100, Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Level Terms Including: 10, 15, 20, 25 & 30 Years Prudential Insurance of America Issue ages from 18 to 75. Age last birthday. Minimum face amount $50,000. Conversion option available with credits. Non-tobacco rates for non-cigarette users. Waiver of premium for unemployment available. Level Terms Including: 1, 10, 15, 20, 30 to Age 65 Years 3

5 Term Life Insurance Transamerica Life Insurance United of Omaha Life Insurance Issue ages from 18 to 80. Age nearest birthday for Trendsetter Super and age last birthday for all other Trendsetter products. Minimum face amount $25,000. Conversion option available. Occasional cigar use may qualify for non-tobacco rates. Non-med up to $249,999. Level Terms Including: YRT, 10, 15, 20, 25 & 30 Years Non-Med Level Terms Including: 10, 15, 20, 25 & 30 Years Issue ages from 18 to 80. Age last birthday. Minimum face amount $25,000. Conversion option available. 12-Month non-tobacco definition. Waiver of premium for unemployment available. Waiver of premium for residential damage available. Non-med up to $400,000. Level Terms Including: 10, 15, 20 & 30 Years Non-Med Level Terms Including: 15, 20 & 30 Years Why pay for E&O Coverage when you can get it for free? FREE E&O COVERAGE To show our appreciation for your business, policies placed with Financial Markets, Inc. can be covered under our group policy. CALL TODAY!

6 Return of Premium Term American General Life Companies Issue ages from 20 to 55. Age nearest birthday. Minimum face amount $100,000. Conversion option available. Reduced paid up option available. ROP Level Terms Including: 20 through 35 Years Assurity Life Insurance Issue ages from 18 to 60. Age last birthday. Minimum face amount $50,000. Conversion option available with Critical illness rider. Non-med up to $350,000. ROP Level Terms Including: 20 & 30 Years ROP Non-Med Level Terms Including: 20 & 30 Years Prudential Insurance of America Transamerica Life Insurance United of Omaha Life Insurance Issue ages from 18 to 65. Age last birthday. Minimum face amount $100,000. Conversion option available. Non-tobacco rates for non-cigarette users. Reduced paid up option available. ROP Level Terms Including: 15, 20 & 30 Years Issue ages from 18 to 55. Age nearest birthday. Minimum face amount $25,000. Conversion option available. Reduced paid up option available. Non-med up to $99,999. ROP Level Terms Including: 20 & 30 Years ROP Non-Med Level Terms Including: 20 & 30 Years Issue ages from 18 to 50. Age last birthday. Minimum face amount $25,000. Conversion option available. 12-Month non-tobacco definition. Waiver of premium for unemployment available. Waiver of premium for residential damage available. Non-med up to $400,000. ROP Non-Med Level Terms Including: 20 & 30 Years Check status of your applications Visit and click on Status 5

7 Fixed Universal Life Accordia Life and Annuity Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25, Month non-tobacco definition. Wellness rider available. Life underwriting credit available through table 8 (subject to change). Universal Life American General Life Companies Issue ages from 18 to 90. Age nearest birthday. Minimum face amount $100,000. Low cost, high target with maturity at age 121. Table shave available up to table 2 (subject to change). Americo Financial Life and Annuity Insurance Issue ages from 20 to 60. Age last birthday. Minimum face amount $25,000. Return of premium available. No-lapse guarantee periods of 15, 20, 25 and 30 years. Non-med up to $400,000. Simplified Issue Universal Life Ameritas Life Insurance Corporation Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $50,000. Care4Life rider available. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit). Assurity Life Insurance Issue ages from 0 to 85. Age last birthday. Minimum face amount $25,000. Other insured rider available. Non-med up to $149,999. Universal Life Banner Life Insurance Issue ages from 20 to 85. Age nearest birthday. Minimum face amount $50, Month non-tobacco definition. Medical second opinion program available. Genworth Life Insurance Issue ages from 16 to 80. Age nearest birthday. Minimum face amount $50,000. Occasional cigar use may qualify for non-tobacco rates. 6

8 Fixed Universal Life John Hancock Life Insurance Issue ages from 0 to 90. Age nearest birthday. Minimum face amount $50, Month non-tobacco definition. Long term care rider available. Quit smoking incentive. Lincoln National Life Insurance Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. Non-tobacco rates for noncigarette users. Change of insured rider available. Table shave available up to table 3 (subject to change). North American for Life and Health Insurance Issue ages from 0 to 85. Age nearest birthday for Custom Guarantee and Custom TermGUL and age last birthday for Custom GrowthCV. Minimum face amount $25,000. Chronic illness rider available. Protective Life Insurance Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25, Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Long term care rider available. Prudential Insurance of America Issue ages from 0 to 90. Age last birthday. Minimum face amount $25,000. Non-tobacco rates for non-cigarette users. Dial-a-guarantee feature available. Transamerica Life Insurance Issue ages from 0 to 89. Age last birthday. Minimum face amount $25,000. Single premium product available. Occasional cigar use may qualify for non-tobacco rates. Universal Life United of Omaha Life Insurance Issue ages from 0 to 85. Age last birthday. Minimum face amount $25,000. Non-med up to $250,000. 7

9 Indexed Universal Life Accordia Life and Annuity American General Life Companies Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25, Month non-tobacco definition. Wellness rider available. Life underwriting credit available through table 8 (subject to change). Indexed Universal Life Issue ages from 18 to 50. Age nearest birthday. Minimum face amount $100,000. Many optional riders available. Table shave available up to table 2 (subject to change). Indexed Ameritas Life Insurance Corporation Genworth Life Insurance Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $50,000. Care4Life rider available. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit). Indexed Issue ages from 0 to 80. Age nearest birthday. Minimum face amount $100,000. Occasional cigar use may qualify for non-tobacco rates. Long term care rider available. Indexed Universal Life John Hancock Life Insurance Lincoln National Life Insurance North American for Life and Health Insurance Issue ages from 0 to 90. Age nearest birthday. Minimum face amount $50, Month non-tobacco definition. Long term care rider available. Quit smoking incentive. Indexed Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $100,000. Non-tobacco rates for noncigarette users. Change of insured rider available. Table shave available up to table 3 (subject to change). Indexed Issue ages from 0 to 85. Age nearest birthday for Guarantee Builder IUL and age last birthday for Builder IUL and Rapid Builder IUL. Minimum face amount $25,000. Chronic illness rider available. Competitive for use in business planning. Indexed 8

10 Indexed Universal Life Protective Life Insurance Prudential Insurance of America Transamerica Life Insurance Issue ages from 0 to 75. Age nearest birthday. Minimum face amount $100, Month non-tobacco definition. Occasional cigar use may qualify for non-tobacco rates. Long term care rider available. Indexed Issue ages from 0 to 85. Age last birthday. Minimum face amount $100,000. Non-tobacco rates for noncigarette users. Dial-a-guarantee feature available. Indexed Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $25,000. Occasional cigar use may qualify for non-tobacco rates. Indexed Universal Life Second-to-Die Accordia Life and Annuity American General Life Companies Ameritas Life Insurance Corporation Assurity Life Insurance Issue ages from 20 to 90. Age nearest birthday. Minimum face amount $250,000. Return of premium rider available. Life underwriting credit available through table 8 (subject to change). Will accept one uninsurable. Indexed Universal Life Issue ages from 20 to 90. Age nearest birthday. Minimum face amount $100,000. Maturity at age 121. Will accept one uninsurable., Indexed Universal Life Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $100,000. Occasional cigar use may qualify for non-tobacco rates. Wellness underwriting credit (up to a 2 table credit). Issue ages from 21 to 85. Age last birthday. Minimum face amount $5,000. Single pay, 3-pay, 5-pay and 10-pay available. Non-med up to $250,000. Will accept one uninsurable. Simplified Issue Whole Life 9

11 Second-to-Die John Hancock Life Insurance Issue ages from 20 to 90. Age nearest birthday. Minimum face amount $250,000. Quit smoking incentive. Unique last-to-die term. Term period of 5 years. Term Second-to-Die, Lincoln National Life Insurance Issue ages from 20 to 85. Age nearest birthday. Minimum face amount $100,000. Table shave available up to table 3 (subject to change). Will accept one uninsurable. Universal Life, Indexed North American for Life and Health Insurance Issue ages from 20 to 90. Age nearest birthday. Minimum face amount $200,000. Net zero loans available. Will accept one uninsurable. Indexed Universal Life Protective Life Insurance Issue ages from 20 to 85. Age nearest birthday. Minimum face amount $250,000. Will accept one uninsurable Unique last-to-die term. Term periods of 10, 20 and 30 years. Term Second-to-Die, Prudential Insurance of America Issue ages from 18 to 85. Age last birthday. Minimum face amount $250,000. Non-tobacco rates for noncigarette users. Will accept one uninsurable. United of Omaha Life Insurance Issue ages from 18 to 85. Age last birthday. Minimum face amount $250, Year level term insurance rider available. Will accept one uninsurable. 10

12 Traditional Whole Life Ameritas Life Insurance Corporation Assurity Life Insurance Liberty Life Assurance of Boston Issue ages from 0 to 85. Age nearest birthday. Minimum face amount $10,000. Child rider can be converted to a permanent policy. Total disability benefit rider available. Wellness underwriting credit (up to a 2 table credit). Traditional Par Whole Life Issue ages from 0 to 85. Age last birthday. Minimum face amount $5,000. Single premium, life-pay, 3-pay, 5-pay and 10-pay available. Second-to-die product available. Graded benefit for 2 years. Non-med up to $250,000. Traditional Par Whole Life, Non-Par Whole Life, Single Premium Whole Life, Graded Benefit Whole Life TRADITIONAL PAR: Issue ages from 0 to 90. Age last birthday. Minimum face amount $15,000. Life-pay, 20-pay and paid up at 65 available. Non-med up to $250,000. INTEREST SENSITIVE SINGLE PREMIUM: Issue ages from 50 to 85. Age last birthday. Minimum premium $15,000. Jet underwriting. Non-med up to $225,000. Traditional Par Whole Life, Interest Sensitive Single Premium Whole Life Final Expense American Memorial Life Insurance Americo Financial Life and Annuity Insurance Assurity Life Insurance Issue ages from 0 to 85. Age last birthday. Face amounts from $3,000 to $50,000. High commission. No face-toface sale required. Non-med up to $50,000. Non-Par Whole Life IMMEDIATE DEATH BENEFIT: Issue ages from 50 to 85. Age last birthday. Minimum face amount $2,000. Non-tobacco rates for non-cigarette users. Non-med up to $30,000. GRADED DEATH BENEFIT: Issue ages from 50 to 75. Age last birthday. Minimum face amount $2,000. Graded benefit for 3 years. Non-med up to $10,000. Non-Par Whole Life, Graded Benefit Whole Life Issue ages from 0 to 85. Age last birthday. Minimum face amount $5,000. Single-pay, life-pay, 3-pay, 5-pay and 10-pay available. Second-to-die product available. Graded benefit for 2 years. Non-med up to $250,000. Traditional Par Whole Life, Non-Par Whole Life, Single Premium Whole Life, Graded Benefit Whole Life 11

13 Final Expense Liberty Life Assurance of Boston National Western Life Insurance TRADITIONAL PAR: Issue ages from 0 to 90. Age last birthday. Minimum face amount $15,000. Life-pay, 20-pay and paid up at 65 available. Non-med up to $250,000. INTEREST SENSITIVE SINGLE PREMIUM: Issue ages from 50 to 85. Age last birthday. Minimum premium $15,000. Jet underwriting. Non-med up to $225,000. Traditional Par Whole Life, Interest Sensitive Single Premium Whole Life Issue ages from 20 to 75. Age last birthday. Minimum face amount $15,000. Graded benefit for 3 years. No tobacco classification. Non-med up to $150,000. Non-Par Whole Life, Graded Benefit Whole Life Oxford Life Insurance Transamerica Life Insurance United of Omaha Life Insurance Issue ages from 50 to 85. Age last birthday. Minimum face amount $5,000. Policies issued within 48 hours on average. Non-med up to $478,000. Non-Par Whole Life, Single Premium Whole Life Issue ages from 0 to 85. Age nearest birthday for Guaranteed Whole Life and age last birthday for TransSecure II and Final Expense Solutions. Minimum face amount $1,000. Graded benefit for 2 years. Non-med up to $50,000. Non-Par Whole Life, Interest Sensitive Whole Life, Graded Benefit Whole Life Issue ages from 0 to 85. Age last birthday. Face amounts from $2,000 to $40,000. Specialty children s product available. Graded benefit for 2 years. Non-med up to $40,000. Non-Par Whole Life, Graded Benefit Whole Life Receive weekly s from Financial Markets, Inc. of news and product updates from our major carriers! Just text fmiagent to #22828 to join today! 12

14 2015 fmiagent AWARDS M Multi-Function Printer 25,000 Points Keurig 25,000 Points Laptop Computer 45,000 Points 60 Inch Smart TV 75,000 Points Earn points with your Slingshot 500,000 Points Six Days at Dreams Sugar Bay St. Thomas, Virgin Islands, U.S.A All Inclusive Resort 110,000 Points 13 VISIT OUR WEBSITE FOR MORE DETAILS. FOR AGENT USE ONLY. QUALIFICATION PERIOD 01/16/2015 THROUGH 01/15/2016

15 Multi-Year Guarantee Annuities American Equity Investment Life Insurance American General Life Companies Americo Financial Life and Annuity Insurance Athene Annuity and Life Assurance Genworth Life Insurance Lincoln National Life Insurance North American for Life and Health Insurance Issue ages through 85. Minimum premium $10,000. Guarantee period options of 5 to 7 years. Multi-Year Guarantee Annuities Issue ages through 85. Minimum premium $5, % free withdrawal option available in first year. Guarantee period options of 5, 6, 7, 8, and 10 years. Multi-Year Guarantee Annuities Issue ages through 85. Minimum premium $10, % free withdrawal option available in first year. Guarantee period option of 5 years. Multi-Year Guarantee Annuities B++ by A.M. Best Issue ages through 80. Minimum premium $5,000. Guarantee period option of 7 years. 10% penalty withdrawal available in first year. Multi-Year Guarantee Annuities Issue ages through 85. Minimum premium $25,000. Guarantee period options of 5 and 7 years. Multi-Year Guarantee Annuities Issue ages through 85. Minimum premium $10, % free withdrawal option available in first year. Long term care benefit available. Guarantee period options of 5 to 10 years. Multi-Year Guarantee Annuities Issue ages through 90. Minimum premium $2,000 Q and $10,000 NQ. Guarantee period options of 4 to 10 years. Multi-Year Guarantee Annuities Oxford Life Insurance Issue ages Minimum premium $20,000. Guarantee period option of 3 to 10 years. Multi-Year Guarantee Annuities Protective Life Insurance Issue ages through 85. Minimum premium $10,000. Guarantee period options of 5 to 10 years. Multi-Year Guarantee Annuities 14

16 Fixed Annuities American Equity Investment Life Insurance American General Life Companies Genworth Life Insurance National Western Life Insurance North American for Life and Health Insurance Protective Life Insurance Issue ages through 80. Minimum premium $2,000 Q and $5,000 NQ. Premium bonus available. High commission products. 10% free withdrawal option available after first year. Flexible Annuities Issue ages through 85. Minimum premium $5, % free withdrawal option available in first year. Premium bonus available. Annuitize after 5 years over next 5 years. Flexible and Single-Pay Annuities Issue ages through 85. Minimum premium $15,000. Short surrender periods. 10% free withdrawal option available in first year. Return of premium option available. Single-Pay Annuities Issue ages through 85. Minimum premium $2,000 Q and $5,000 NQ. Premium bonus available. Cumulative withdrawal option up to 50% in year 5. Annuitize after 5 years over next 5 years. Single-Pay and Flexible Annuities Issue ages through 80. Minimum premium $2,000 Q and $10,000 NQ. Premium bonus available. Option to annuitize after first year with no surrender charge. Flexible Annuities Issue ages through 85. Minimum premium $2, % free withdrawal option available in first year. 100% liquidity for unemployment waiver available. Flexible Annuities DOWNLOAD FREE PROPOSAL SOFTWARE Visit and click on Tool Kit 15

17 Fixed Indexed Annuities American Equity Investment Life Insurance Issue ages through 85. Minimum premium $5,000. Various indices annuities. Minimum guaranteed earning available. High commission products with many surrender options. Premium bonus available. Flexible and Single-Pay Annuities American General Life Companies Issue ages through 85. Minimum premium $25,000. Minimum guaranteed earning available. Premium bonus available. Single-Pay Annuities Americo Financial Life and Annuity Insurance Issue ages through 85. Minimum premium $25,000. Minimum guaranteed earning available. Premium bonus available. Flexible and Single-Pay Annuities Athene Annuity and Life Assurance B++ by A.M. Best Issue ages through 83. Minimum premium $5,000. Minimum guaranteed earning available. High caps. Premium bonus available. Flexible and Single-Pay Annuities Genworth Life Insurance Issue ages through 85. Minimum premium $25,000. Minimum guaranteed earning available. Innovative bailout feature. Premium bonus available. Single-Pay Annuities Lincoln National Life Insurance Issue ages through 85. CA, HI, & FL issue ages 35 to 80. Minimum premium $2,000 Q and $5,000 NQ. Minimum guaranteed earning available. Multi-year guarantee available. Premium bonus available. Flexible and Single-Pay Annuities National Western Life Insurance Issue ages through 85. Minimum premium $2,000 Q and $5,000 NQ. Minimum guaranteed earning available. Premium bonus available. Annuitize after 5 years over next 5 years. Flexible Annuities 16

18 Fixed Indexed Annuities North American for Life and Health Insurance Issue ages through 85. Minimum premium $2,000 Q and $10,000 NQ. Minimum guaranteed earning available. Premium bonus available. 100% liquidity for nursing home confinement waiver available. Return of premium option available. Flexible Annuities Oxford Life Insurance Issue ages through 80. Minimum premium $10,000. Minimum guaranteed earning available. Premium bonus available. Single-Pay Annuities Protective Life Insurance Issue ages through 85. Minimum premium $10,000. Minimum guaranteed earning available. 10% free withdrawal option available in first year. 100% liquidity for unemployment waiver available. Flexible Annuities The ONLY Website You Will Ever Need! User friendly and informative, our site offers: Policy updates and news from major carriers Printable applications, forms, and contracts Universal Life and Term Life Quick Quoter Current annuity interest rates Status updates on pending cases Training and webinar schedules Downloadable proposal software Available on any device 24/7 17

19 Immediate Annuities American Equity Investment Life Insurance American General Life Companies Athene Annuity and Life Assurance Genworth Life Insurance Lincoln National Life Insurance National Western Life Insurance North American for Life and Health Insurance Protective Life Insurance Issue ages through 90. Minimum premium $10,000. Single and joint immediate available. 5 to 25 period certain with option of life contingency. Immediate Annuities Issue ages through 90. Minimum premium $10,000. Single and joint immediate available. 5 to 40 period certain with option of life contingency. Immediate Annuities B++ by A.M. Best Issue ages through 80. Minimum premium $50,000. Single and joint immediate available. 10, 15, and 20 period certain with option of life contingency. Immediate Annuities Issue ages through 95. Minimum premium $25,000. Single and joint immediate available. 5 to 50 period certain with option of life contingency. Immediate Annuities Issue ages through 95. Minimum premium $10,000. Single and joint immediate available. 5 to 20 period certain with option of life contingency. Immediate Annuities Issue ages through 99. Minimum premium $5,000. Single and joint immediate available. 5 to 20 period certain with option of life contingency. Immediate Annuities Issue ages through 95. Minimum premium $2,000 Q and $10,000 NQ. Single and joint immediate available. 5 to 20 period certain with option of life contingency. Immediate Annuities Issue ages through 99. Minimum premium $10,000. Single and joint immediate available. 5 to 30 period certain with option of life contingency. Immediate Annuities 18

20 Long Term Care Genworth Life Insurance Mutual of Omaha Life Insurance Issue ages from 40 to 75. Many optional riders available. Shared benefit available. Wellness program available. Competitive premiums. International coverage available. Tax-Qualified Long Term Care Issue ages from 30 to 79. Many benefits and optional riders available. Shared benefit available. Cash benefit with no elimination period. Customizable plans available. Tax-Qualified Long Term Care Life/LTC Linked Benefits Genworth Life Insurance John Hancock Life Insurance Lincoln National Life Insurance Protective Life Insurance Prudential Insurance of America Universal life product that features unique LTC benefits with Issue ages from 18 to 80. Minimum policy $50,000. Return of premium available after year 3. For clients who wish to self-insure LTC insurance. Accelerated and extended options available. Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay Universal life product that features unique LTC benefits. Issue ages from 20 to 75. Minimum policy $50,000. For clients who wish to self-insure LTC insurance. Extension of benefits rider available. Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay Universal life product that features unique LTC benefits. Issue ages from 40 to 79. Minimum policy $50,000. For clients who wish to self-insure LTC insurance. Extension of benefits rider available. Universal Life with LTC, Single Premium, Limited-Pay Universal life product that features unique LTC benefits. Issue ages from 20 to 80. Minimum policy $100,000. Indemnity payment method. For clients who wish to self-insure LTC insurance. Universal Life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay Universal life product that features unique LTC benefits. Issue ages 20-80, minimum policy $100,000, only available at policy issuance. Indemnity payment method with no waiting period. For clients who wish to self-insurer LTC insurance. Universal life, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay 19

21 Life/LTC Linked Benefits Transamerica Life Insurance Universal life product that features unique LTC benefits. Issue ages from 18 to 80. Minimum policy $25,000. Indemnity payment method. For clients who wish to self-insure LTC insurance. Universal Life with LTC, Indexed Universal Life with LTC, Single and Flexible Premium, Limited-Pay Disability Income Ameritas Life Insurance Assurity Life Insurance Illinois Mutual Life Insurance Mutual of Omaha Life Insurance Issue ages from 18 to 64. noncancellable to age 65. Non-med available. Disability Income Insurance Issue ages from 18 to 60. noncancellable to age 65. Non-med available. Disability Income Insurance B++ by A.M. Best Issue ages from 18 to 60. Guaranteed renewability to age 67. Premium on structured class basis. 12-Month nontobacco definition. Return of premium rider available. Disability Income Insurance Issue ages from 18 to 61. Guaranteed renewability to age 67. Premium on structured class basis. 12-Month nontobacco definition. Return of premium rider available. Disability Income Insurance Critical Illness Assurity Life Insurance Mutual of Omaha Life Insurance Issue ages from 18 to 64. Age last birthday. Face amounts from $5,000 to $500,000. Spouse rider available. Non-med up to $99,999. Critical Illness Insurance Issue ages from 20 to 64. Age last birthday. Face amounts from $10,000 to $250,000. Specialty cancer, heart attack and stroke product available. Non-med up to $99,000. Critical Illness Insurance 20

22 Medicare Supplement Mutual of Omaha Life Insurance Oxford Life Insurance Geographically competitive prices. Offers plans A-N, depending on state. Underwriting in 4 days on average. Electronic application available. Medicare Supplement No face-to-face sale require. Policies issued within 48 hours on average. Offers plans A, C, F, and N, depending on state. Electronic application available. Medicare Supplement Increase Your Tax Knowledge WITH TAX FACTS ONLINE! Tax Facts is an online guide for tax and financial planning. Get expert insight and practical guidance on all of your tax issues! NEW FEATURES INCLUDING: Case Studies - offer two expert analyses Expert s Corner - discussions on the current tax issues What s New - tackles questions providing expert analysis Thumbs-Up/Thumbs-Down - latest opinions and analysis Tax News - skillfully dissects latest, and most vital, issues on taxes Visit and click on Tool Kit Tax Facts: The Indispensable Tax Resource for Financial Advisors. 21

23 CREATED EXCLUSIVELY FOR FINANCIAL PROFESSIONALS UNDERWRITING Get to Know Why Some Clients Prefer Us... GET TO KNOW WHY SOME CLIENTS PREFER US... Some categories of individuals who may qualify for our Preferred Underwriting: 4Most commercial and business pilots for U.S.-based airlines. (May qualify for Preferred Best rates.) 4 Clients who plan to travel to most foreign countries for 6 months or less annually (business or pleasure). 1 (May qualify for Preferred Best rates.) 4Scuba divers who dive up to 100 feet 4Individuals with cholesterol/hdl levels up to and including 6.0, even if on cholesterol-lowering medications 2 4Males/females 6 0, ages 18-59, up to 228 pounds, BMI up to Males/females 6 0, ages 60 and over, up to 258 pounds, BMI up to 35 3 Some categories of individuals who may qualify for our advantageous Non-Smoker Plus ratings: 4Cigar/pipe smokers and smokeless tobacco users 4Nicotine patch or Nicorette Gum users 4Individuals with cholesterol/hdl levels up to and including 7.0, even if on cholesterol-lowering medications 4 4Male/Female 6 0, ages 18 59, up to 242 pounds and BMI up to 33 4Male/Female 6 0, ages 60 and over, up to 294 pounds and BMI up to 40 4Pilots (excluding Student Pilots) 25 years of age or greater with more than 600 hours in total flight time and between 30 and 300 hours per year Some categories of individuals who may qualify for our advantageous Non-Smoker Plus ratings: 4Asthma 4Bladder cancer 4Breast cancer 4Build 4Coronary artery disease 4Diabetes mellitus (adult onset) 4Elevated liver function tests 4Hepatitis C 4Mood disorders 4Prostate cancer 4Rheumatoid arthritis 4Thyroid cancer 1 This does not apply to foreign countries Prudential considers to be extremely hazardous. Refer to the Foreign Travel Highlighter ( ) for additional information. 2 Individuals with cholesterol levels up to and including 5.0 may qualify for Preferred Best, even if on cholesterol-lowering medications. 3 Individuals with BMI up to 29 for ages and BMI up to 31 for ages 60 and over can qualify for Preferred Best. 4 A rating may apply for cholesterol readings over 300. Rates and availability will vary based on the satisfaction of our underwriting criteria; underwriting rules are subject to change at our discretion. This material is designed to provide general information in regard to the subject matter covered. It should be used with the understanding that we are not rendering legal, accounting, or tax advice. Such services should be provided by the client s own advisors. Accordingly, any information in this document cannot be used by any taxpayer for purposes of avoiding penalties under the Internal Revenue Code. This marketing material is subject to an expiration date, and use of this material must be discontinued as of the expiration date. Insurance issued by The Prudential Insurance of America and its affiliates, Newark, NJ. NOT FOR CONSUMER USE Prudential Financial, Inc. and its related entities Ed. 2/2014 Exp. 08/05/2015 Securities and Insurance Products: Not Insured by FDIC or Any Federal Government Agency. May Lose Value. Not a Deposit of or Guaranteed by Any Bank or Bank Affiliate. 22

24 PRESORTED STANDARD US POSTAGE PAID ABERDEEN SD PERMIT #200 Your virtual office... working for YOU 24-hours a day! View Tax Facts Online Obtain CE credits Compare annuity rates Run term and UL quotes Upload secure documents View status on pending cases Get current company updates Print applications and forms Request a preliminary quote Download proposal software Explore Advance Markets Online Get contracted with any company Meet the team at Financial Markets, Inc. And much, much more! About Financial Markets, Inc. Financial Markets, Inc. was founded in 1991 by Robert L. Sperling. Robert began in the insurance industry in Financial Markets, Inc. corporate office is located in the business district of beautiful Rapid City in the Black Hills of South Dakota. We have a second office located in Spearfish, South Dakota. Licensed in 49 states (all but NY), Financial Markets, Inc. serves independent agents across the nation. Offering insurance products including Life Insurance, Annuities, Disability Income Insurance, Long Term Care Insurance, Medicare Supplement and other related products through over 28 quality insurance carriers.