PARTNERVEST CONTACTS. INSURANCE SPECIALIST Fixed Annuity, Life & LTC for ANY CARRIER

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1 INSURANCE GROUP LLC Partnervest Insurance Group works directly with our team of Advanced Insurance Specialists who are in the field bringing you up to date planning ideas from a broad spectrum of Insurance carriers paid out at the highest compensation levels. PARTNERVEST CONTACTS Marcy Burton ext. 153 [email protected] Mary-Lyn Hyman ext. 156 [email protected] Mary-Lyn will assist with all licensing, appointments and basic insurance issues. INSURANCE SPECIALIST Fixed Annuity, Life & LTC for ANY CARRIER Louis Gardner, CLU cell [email protected] Gardner Brown Associates, Inc & Juanita Brown, CLU, ChFC cell [email protected] Louis has spent the last 25 years in executive positions with major insurers developing products for, and delivery systems to, the financial planning community. Louis maintains influence within the industry due to his former membership in LIMRAs Distribution Committee, comprised of carrier Presidents and Senior VPs in charge of product marketing. He also maintains close relationships with concept sponsors in the areas of premium financing, real estate appreciation access and executive benefits. Juanita is a Partnervest Registered Rep, has spent the last 25 years working directly with financial planners to find the most beneficial products and strategies to accomplish clients goals, resulting in a comprehensive financial plan. Juanita also has wide industry experience through her three terms as Board Executive of NAVA.

2 EMPLOYEE BENEFITS HEALTH INSURANCE Peters & Milam Insurance Services Dave Peters Dave has over 17 years of experience in the field of insurance and financial planning. Over the last 10 years there has been a strong emphasis in the area of group employee benefits including medical, dental, life and disability. Prior to starting his own firm, specializing in employee benefits for the small to medium sized business, David headed the benefits department for a large Property and Casualty agency

3 Allianz Generation Planner II TM Life Insurance Policy (0-80) 80 GenDex Survivor SM Option A (FIUL) 85 GenDex Survivor SM Option B (FIUL) 85 Allianz Life Pro+ SM Option A (ages 0-80) 90 Allianz Life Pro+ SM Option B (0-80) 45 American General Life Companies ContinUL (Discontinued 03/2012) 90 ContinUL Extend Plus (Discontinued 03/2012) 90 Elite UL 85 Elite Transition UL (Discontinued 01/01/2013) 60 Secure Lifetime GUL 90 Secure Survivor GUL 90 Elite Index UL 90 Elite Survivor Index UL 90 American Elite Whole Life 105 AG Extend IUL 65 Choice Index GUL 90 Select-A-Term yr. 110 Select-A-Term 19 yr. 108 Select-A-Term 18 yr. 106 Select-A-Term 17 yr. 104 Select-A-Term 16 yr. 102 Select-A-Term 15 yr. 100 Select-A-Term 10 yr. 80 ROP Select-A-Term yr. 102 AIG - Specialty Products Elite Global Plus, Elite Global Plus II & Elite Global Survivor 64 Elite Global Plus w/svetr & Elite Global Plus II w/svetr* 20 (yr 1-3) *FY pays Year 1-3; Trails available American National Executive UL (0-69) 90 Executive UL (70-85) 85 LTG UL (18-69) 90 LTG UL (70-85) 85 Indexed UL (18-69) 90 Indexed UL (70-85) 85 Affinity 7 Par Whole Life (0-69) 90 Affinity 7 Par Whole Life (70-79) 70 Affinity 7 Par Whole Life (80-85) yr. Term (18-65) yr. Term (18-65) yr. Term (18-60) / 30 yr. Term (18-50) 95 AVIVA Lifetime Builder 90 Lifetime Builder w/ecv Rider (w/ Simplified Issue/ Guaranteed Issue) 21 Lifetime Builder / Advantage Builder w/ Simplified/ Guaranteed Issue 25 Advantage Builder 70 Survivorship Builder 90 Guarantee UL Solution (Discontinued 01/01/2013) 90 LifeStage - Fixed UL 90 Term 2010 ART 65 Term yr 75 Term , 30 yr 90 AXA Athena UL ESLI 40 Athena UL ESLI - Face Amount Increases 80 Athena SUL III 80 Athena SUL III w/cve 40 Athena UL, Series 150 (Discontinued 07/23/12) 80 Athena UL, Series Athena UL, Series 152 w/cvplus 24 Athena Indexed UL, Series 151*** 90 Athena Indexed UL, Series 151 w/cvplus 45 Athena UL, Series 153**** (written through MONY) 90

4 Athena UL, Series 153 w/cvplus (written through MONY) 24 Interest Sensitive Whole Life - ISWL Series ART Term Series 150 & 151X (including riders) 75 Term 10 Term Series 150 & 151X (including riders) 80 Term 15 Term Series 150 & 151X (including riders) 90 Term 20 Term Series 150 & 151X (including riders) 100 ART High Profile Individuals Term Series 150 & 151X - Levelized Comp 9 Term 10 High Profile Individuals Term Series 150 & 151X - Levelized Comp 10 ***Reduction in comp for issue age (call Commission Specialist for details) ****Rolling Target Banner Life (aka Legal & General) Life Change UL (Discontinued 08/2012) 85 Life Choice UL 85 Life Step UL 75 OPTerm 10/Term 10 AIR 80 OPTerm 15/Term 15 AIR 90 OPTerm 20 & 30 yr./term 20 AIR 95 Life Value Term Life Value Term A-List Term 25 Genworth - GLIC Colony Term Series- 10yr 75 Colony Term Series- 15yr 85 Colony Term Series- 20yr 95 Colony Term UL 10** (Discontinued 11/12/12) 75 Colony Term UL 15 (Discontinued 03/12) 85 Colony Term UL 20/30**(Term UL 30 Discontinued 06/12 & Term UL 20 11/12/12) 95 LifeReady UL II (Current Assumption) 80 Colony LifeLong UL (Discontinued 11/12/12) 80 GenGuard UL 80 Lifetime Protector SG II (conversion only) UL (Discontinued 11/12/12) 80 **If target premium has a Coverage Extension Event, please refer to commission schedule for guidelines. Genworth - GLIC GROSS Living Cov (TLC) TLC (Linked Benefits - UL/LTC) 8 Genworth - GLAIC Colony Term Series- 10yr 75 Colony Term Series- 15yr 85 Colony Term Series- 20yr 95 Colony Term UL 10** (Discontinued 11/12/12) 75 Colony Term UL 15 (Discontinued 03/12) 85 Colony Term UL 20/30**(Term UL 30 Discontinued 06/12 & Term UL 20 11/12/12) 95 GenGuard SUL (Discontinued 11/12/12) 90 Colony LifeLong UL (Discontinued 11/12/12) 80 GenGuard UL 80 Lifetime Protector SG II (conversion only) UL (Discontinued 11/12/12) 80 LifeReady UL II (Current Assumption) 80 Hartford Life & Annuity Hartford Bicentennial UL Freedom 85 Hartford Bicentennial UL Founders Plus 85 Hartford Bicentennial UL Founders Plus w/ EV Option 85 Hartford Bicentennial UL Joint Freedom II 85 Hartford Frontier Indexed UL 85 Hartford Frontier Indexed UL with EV Option 85 Joint Founders Plus UL 85 Hartford ExtraOrdinary Whole Life 85 Hartford Bicentennial 10, 15, 20 & 30 yr. term 85 Annual Renewable Term 45 ING Reliastar Protector UL 85 ROP Endowment Term ROP Endowment Term ROP Endowment Term TermSmart TermSmart TermSmart Term 25 (Discontinued 05/01/13) 95

5 Term 30 (Discontinued 05/01/13) 95 Security Life of Denver ING Guaranteed Death Benefit UL FUW- Suspended 11/02/12 85 ING Guaranteed Death Benefit UL GI- Suspended 11/02/12 85 ING Guaranteed Death Benefit UL II FUW- Suspended 11/02/12 85 ING IUL-CV 85 ING IUL-CV Waiver of Surrender Charge 76 ING IUL-CV Waiver of Surrender Charge (spread opt)* IUL Global (avail. in US Virgin Islands) & IUL Global Plus (Global Plus discontinued 11/01/12) 85 IUL Global & Global Plus w/ Waiver of Surr Charge (Global Plus discontinued 11/01/12) 76 IUL Global & Global Plus w/ Waiver of Surr Charge (Spread Opt)* (Global Plus discont 11/01/12) IUL Guaranteed Death Benefit- Suspended 11/02/12 85 ING IUL- Global Choice 85 ING IUL- Global Choice w/ecv Rider (Spread Option)* 24 ING Strategic Accum Survivorship UL - Levelized ** (Available in US Virgin Islands) 9.9 ING Strategic Accum Survivorship UL - Mod SH ** (Available in US Virgin Islands) 27 ING Strategic Accum Survivorship UL FUW-SH ** (Available in US Virgin Islands) 36 ING SUL-Guaranteed Death Benefit- Suspended 11/02/12 85 ING UL-CV (Available in US Virgin Islands) 85 ING UL-CV Waiver of Surrender charge 76 ING UL-CV Waiver of Surrender Charge (spread opt)* ING UL-ECV FUW & GI Levelized** (available in US Virgin Islands) 8.5 ING UL-ECV FUW & GI Semi Heaped** (available in US Virgin Islands) 24 *Spread options pays through year 1-4 based on target prem paid in year 1. **UL-ECV & Strategic Accum UL Levelized FY comp pays for 10 years John Hancock Universal Life G'13 85 Survivorship UL G'13 85 Accumulation UL '09 85 Protection UL '12 / Protection SUL '12 85 Protection Indexed UL '13 85 Indexed UL '11 85 Premier Life '11 85 Universal Life G'13 w/cve Opt.* 23.8 Survivorship UL G'12 w/cve Opt.* 23.8 Accumulation UL '09 w/esv Opt.* 23.8 Accumulation UL '09 w/cve Opt.* 23.8 Protection UL '12 w/cve Opt.* 23.8 Protection SUL '12 w/cve Opt.* 23.8 Protection Indexed UL '13 w/cve Opt.* 23.8 Indexed UL '11 w/cve Opt.* 23.8 Premier Life '11 w/cve Opt.* 23.8 Term 10 (2011) 80 Term 15 (2011) 85 Term 20 (2011) 90 Survivior Term 85 LIFE CARE 09 (Discoutinued ) 4 *FYC on ESV & CVE riders pays deferred comp for years 1-4 based on premium paid in year 1 Life Insurance Company of the Southwest LSW Harbor 07** 85 LSW Horizon 07** 85 SecurePlus Paragon** 85 LSW SecurePlus Provider** 85 LSW Income Builder** 85 LSW LifeCycle Solution** 85 LSW Flex Life** 85 LSW Level Term 10, LSW Level Term 20, LSW SecurePlus Advantage LSW Foundation 85 LSW ProtectorLife 85 Balance Sheet Benefit Rider*** 15 All other commissionable Riders 85 ** Rolling target premiums ***Only available on SecurePlus Paragon, LSW Horizon 07, LSW Flex Life and LSW LifeCycle Solution Lincoln Benefit

6 Ultra Index 87 Ultra Plus 87 Legacy Choice II- Discontinued 87 Legacy Secure SL 100 Legacy Secure UL 87 Echelon Index UL ages (Tier A)* 5.5 Echelon Index UL ages (Tier A)* 5.2 Echelon Index UL ages 71+ (Tier A)* 4.9 Echelon Index UL ages (Tier B)* 3.5 Echelon Index UL ages (Tier B)* 3.2 Echelon Index UL ages 71+ (Tier B)* 2.9 Echelon Index UL ages (Tier C)* 2.5 Echelon Index UL ages (Tier C)* 2.25 Echelon Index UL ages 71+ (Tier C)* 2 Whole Life II 75 True Term Yr (Face Amount below $500k) 95 True Term Yr (Face Amount below $500k) 105 True Term Yr (Face Amount below $500k) 110 True Term Yr (Face Amount $500k and Above) 85 True Term Yr (Face Amount $500k and Above) 95 True Term Yr (Face Amount $500k and Above) 100 * Trails available for Echelon Index & all prem rcvd during the first 10 policy yrs received same rate as above. Lincoln Financial Lincoln LifeCurrent UL 90 Lincoln LifeReserve UL (2009) / LifeReserve Indexed UL Protector* 90 Lincoln LifeReserve Indexed UL Accumulator (aka IUL (2011)**(ABR available 11/12/12) 90 Lincoln LifeGuarantee UL (2012) 90 Lincoln LifeGuarantee SUL (2012) 90 Lincoln LifeGuarantee UL/Plus UL (Discontinued 02/21/12) 90 Lincoln DurationGuarantee UL 90 Lincoln LifeElements 10yr (2013) 93 Lincoln LifeElements 15yr (2013) 104 Lincoln LifeElements 20, 30yr (2013) 116 *Call Commissions Specialist for details on commission structure and rates for LifeReserve UL with Exec Rider (N/A for LifeReserve Indexed UL (2009)) **Call Commissions Specialist for details on commission structure and rates for LifeReserve Indexed UL Accumulator with Exec Rider Life Guarantee SUL (2011) not available in CA. Old SUL product is available in CA and pays excess. Moneyguard Moneyguard Reserve Plus - Single pay* 6 Moneyguard Reserve Plus - Flex pay 49 MetLife Investors GAUL, LASUL, UAUL (Category I) 90 GLT 10 (Category III) 70 GLT 15 (Category II) 80 GLT 20 (Category II) 80 GLT 30 (Category II) 70 Promise WL, FTR up to G85 (Category IV) 80 Enricher Option (PAIR), FTR above G85 (Category V) 1 Minnesota Life Accum UL, Eclipse, Eclipse Protector, Eclipse Survivor 80 Legacy Protector SUL 80 Advantage Elite 5/10 65 Advantage Elite Advantage Elite 20/30 90 Secure Whole Life 80 Secure Whole Life SPPUA/AIA 1.5 National Life NL Estate Provider 60 Level Term 70 ART 10 High Early Cash Value 12 (1-8) NL LifeBuilder (0-59) 70 NL LifeBuilder (60-69) 70 NL Lifebuilder (70-72) 60 NL Lifebuilder (73-74) 50 NL Lifebuilder (75-76) 40 NL Lifebuilder (77-78) 35

7 NL Lifebuilder (79-80) 25 NL Lifebuilder (81-82) 20 NL Lifebuilder (83-85) 15 ACR/CCP Comp Riders (0-59)* 25 ACR/CCP Comp Riders (60-69) 25 ACR/CCP Comp Riders (70-72) 22.5 ACR/CCP Comp Riders (73-74) 20 ACR/CCP Comp Riders (75-76) 17.5 ACR/CCP Comp Riders (77-78) 15 ACR/CCP Comp Riders (79-80) 12.5 ACR/CCP Comp Riders (81-82) 10 ACR/CCP Comp Riders (83-85) 7.5 Ultra Select 70 U/S-Balanced Sheet Benefit Rider(BSBR) 12 NL AssurePlus Protector UL 70 FlexLife 70 FlexLife Balanced Sheet Benefit Rider (BSBR) 12 LifeCycle Solution 70 LifeCycle Solution Balanced Sheet Benefit Rider (BSBR) 12 Nationwide Ultimate UL Ages <70 (Discontinued 01/03/2013) 90 Ultimate UL Ages 70+ (Discontinued 01/03/2013) 90 YourLife No Lapse Guarentee UL 90 YourLife SUL II 90 YourLife SUL <70 (Discontinued 01/03/2013) 90 YourLife SUL 70+ (Discontinued 01/03/2013) 90 Your Life Current Assumption UL ** (suspended Face Amts 1mil+) 90 YourLife 10 & 20 Year Term (Discontinued) 85 YourLife 30 Year Term (Discontinued) 100 YourLife Term II 10,15,20,30 year Face amts <500K 65 YourLife Term II 10,15,20,30 year Face amts 500K+ 75 YourLife Term II 10,15,20,30 year w/spouse Rider 65 YourLife Term II 10,15,20,30 year w/child Rider 47 YourLife WL 75 YourLife WL w/spouse Rider 65 YourLife WL w/child Rider 48 Future Executive UL 26 YourLife IUL/Executive IUL 90 YourLife IUL w/crop Rider 29 New York Life (NY Co. available outside NY) UL LTG 80 SUL LTG 80 Whole Life & Modified Premium WL*** 80 Custom Whole Life*** 80 Survivorship WL 80 UL AD111 / SUL AD ULCG & SULCG 80 Yearly Convertible Term AD Level Convertible Term AD110 (LCT 10-20) (LCT 50) 65 Asset Preserver (age 40-75) 6 Single Premium Universal Life (Instant Legacy)*** 4 North American Custom TermGUL 95 Custom GrowthCV** 95 Custom Guarantee 90 Custom Accumulator III- Discontinued 02/28/ Survivorship GIUL 80 Builder IUL 95 Guarantee Builder IUL 95 Rapid Builder IUL** 95 ADDvantage ADDvantage ADDvantage ADDvantage Principal National Life Insurance Company UL Protector III 80

8 UL Protector IV 80 SUL Protector (Issued after 7/22/2011) 80 SUL Protector II 80 Universal Life Flex 80 UL Flex w/ SVER 35 Term All Versions 70 Term All verisons Issued after 03/16/12 85 Protective Life Protective ModLife, Protective Centennial G II,Protective Centennial G II Plus, Protective OneStep (All Discontinued 01/01/2013) Centennial Survivor G UL (Discontinued 06/25/12) 90 Protective Advantage Choice UL, Protective Custom Choice UL Lifetime 90 Whole Life 90 Protective Survivor UL 90 Protective CRITICALanswer 75 Protective ProClassic UL 90 Protective ProClassic UL w/ecsv 45 Protective Survivorship Term 10 yr 75 Protective Survivorship Term 20 yr 90 Protective Survivorship Term 30 yr 95 Protective Secure-T 10 (Discontinued 01/01/2013) 70 Protective Secure-T 15 (Discontinued 01/01/2013) 80 Protective Secure-T 20 (Discontinued 01/01/2013) 85 Protective Secure-T 25 (Discontineed 01/01/2013) 85 Protective Secure-T 30 (Discontinued 01/01/2013) 85 Protective Custom Choice UL 10 Year 70 Protective Custom Choice UL 15 Year 80 Protective Custom Choice UL 20 Year 85 Protective Custom Choice UL 25 Year, 30 Year 85 Issue age rules: A - If the issue age is 66 or over, commissions will be based on the target premium of issue age 65. B - Full target commissions will be paid on all issue ages. Prudential PruLife Universal Protector 80 PruLife Universal Plus 80 PruLife Universal Plus with Enhanced Cash Value Rider PruLife SUL Protector 80 PruLife Index Advantage UL 80 Term Essential 10 and Term Elite Term Essential 15 and Term Elite Term Essential 20 and Term Elite Term Essential 30 and Term Elite Term ROP 15 (Not offered in NJ, see NY schedule) 80 Term ROP 20 (Not offered in NJ, see NY schedule) 80 Term ROP 30 (Not offered in NJ, see NY schedule) 80 Term Work Life 65 (Issue age 51+) 80 Term Work Life 65 (Issue age 46-50) 80 Term Work Life 65 (Issue age 40-45) 80 Term Work Life 65 (Issue age 0-39) 80 SBLI T T T T T Transamerica Freedom Index UL II and Freedom Global IUL 90 All Fixed UL Products* (TransACE 2010, TransACE CV, TransUltra SP 2006, TransUltra Select SP 2006, TransUltra Plus 2006) 90 TransACE Survivor 2010 (Discontinued eff 06/08/12) 90 TransACE TransACE 2013** 85 TransSecure II ISWL 90 TransTerm 10-Discontinued eff 09/14/ TransTerm 15- Discontinued eff 09/14/ TransTerm 20, 25, 30- Discontinued eff 09/14/ Trendsetter Super Trendsetter Super Trendsetter Super 20, 25, 30 90

9 Trendsetter Express Trendsetter Express Trendsetter Express 20, 25, Trendsetter LB Trendsetter LB 15, 20, 25, GWL 90 Trendsetter Super YRT/Final Expense 75 Immediate Solution (Final Expense) Pay Solution (Final Expense) 90 United of Omaha Accum UL Plus - Face Amounts $499,999 & less 85 Accum UL Plus - Face Amounts $500,000 & greater 75 GUL, GUL Plus/Complete/Express/Survivor 85 United of Omaha Whole Life Express Ages Whole Life Express Ages Children's Whole Life 100 Legacy Single Premium Life (ages 0-75) 5 Legacy Single Premium Life (ages 76+) 2.5 United of Omaha Term Life Answers Term Life Answers Term Life Answers 20&30 90 United of Omaha Mortgage Term Life (Discontinued) 110 Term Life Express 110 Term Life Complete (Face Amount $499,999 or less) 110 Term Life Complete (Face Amount $500,000+) 90 Zurich Guaranteed Death Benefit UL 90 Index UL 90 Survivor Index UL 90