Your Framework for Financial Planning that includes Life Insurance and Fixed Annuities...

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1 Your Framework for Financial Planning that includes Life Insurance and Fixed Annuities... Clients look to their Advisor to provide a financial blueprint that will create a lifetime of financial security. If you have a client who: Wants to transfer the family estate intact Wishes to leverage funds to increase family wealth Needs to unlock accounts receivable earnings Wants to save more for retirement Has a basic need for life insurance then you should learn how life insurance and annuities can be the cornerstone of a solid financial plan. We can help draft a design that can turn your blueprint into a solid structure clients can rely on! Premium Financing Financed Planning Wealth Transfer Life Settlements Deferred Sales Trust Structured Settlements Charitable Remainder Trusts Retirement Extra Using Life Insurance Want to learn more? Turn the pages.. or for immediate advanced sales & marketing support contact: Alan Lockhart, President Dennis Martinez, Vice President 2960 E. Battlefield Springfield, MO

2 The Story Marketing Financial was formed in 1989 as a full service brokerage and consulting firm that works exclusively with professionals, marketing groups, associations, agencies and other financial entities such as CPAs, banks, trust companies and broker dealers. Our mission is to provide operational support, marketing consultation and partnership alliance programs for the clients we do business with. Carriers & Products Marketing Financial wholesales over 30 highly rated insurance companies. The list includes some of the highest rated names in the business such as American General, AVIVA, AXA, ING, John Hancock, Lincoln Financial & Prudential. Our core product offerings include: Life Insurance, Annuities, Executive Benefits, Disability, Long Term Care, Group/Voluntary Benefits, Life Settlements and Structured Settlements. Wholesale variable life is submitted through Money Concepts Capital Corporation. Why Do Business With Us?! Marketing Financial offers aggressive top tier commissions to financial advisors and professionals in the industry. Marketing Financial is compensated through wholesaling bonuses based on the combined volume of Consolidated Marketing Group (CMG) with 27 offices nationwide. The power of volume, consultative expertise, A++ rated companies and an unwavering support for the success of our clientele. This is what differentiates Marketing Financial from other companies in the industry.

3 This Guide will provide information on available carriers, products, and procedures for working with and submitting cases through Marketing Financial and how to use our website. Sales Illustrations and Product Support Your Marketing Financial Sales team will help coordinate service for you and provide sales illustrations and comprehensive sales support. Providing dedicated support, our team will handle a full range of case scenarios, including more complex cases that require detailed illustrations and carrier/product research. Submitting Cases/Application Processing All applications unless otherwise noted should be sent to Marketing Financial for processing. Please submit the original applications, associated forms/disclosures, supporting documents and any premium remitted directly to Marketing Financial. Send all applications to: Marketing Financial Services, 2960 East Battlefield, Springfield, Missouri, For all case submissions, in order to minimize delays, please ensure that the following items are accomplished when the application is taken: Verify with Marketing Financial that your carrier contracting is complete. Complete all questions on the application. Provide details to any questions answered yes on the application. Application must be signed and dated by the proposed insured, policy owner if trust, then trustees should sign), and the agent. Make sure application and all accompanying forms have been signed. Include NAIC compliant illustrations and/or disclosure forms (signed by policy owner) with the application. Order exam requirements through a carrier approved medial examiner. New Business Processing The Business Marketing Department of Marketing Financial tracks all applications and related premiums. Upon receipt, all applications are immediately assigned to a Business Marketing Consultant for processing and tracking. This Service Representative inputs your client s information/ data and begins the preliminary underwriting process (the same day). For all cases, a confirmation letter stating that the case was received along with the requirements received/ordered will be sent to you.

4 As the Business Marketing Consultant tracks your pending applications through policy issue, you will be kept informed of the progress through Pending Status Reports sent by , fax, or mail, depending on the method you choose. We encourage you to check your case status through the Marketing Financial web site, marketingfinancial.com. After the application has been approved Marketing Financial will continue to track the case until delivery requirements are received or until the policy is returned, not taken. Forms and Documents Find the forms you need through the comprehensive Forms tool on marketingfinancial.com. Applications should be completed with any required replacement forms, 1035 Exchange forms, HIV forms, disclosure forms, and avocation questionnaires. Insurance Carrier Appointments and Licensing Licensing As a general rule, insurance agents must be appointed with the insurance company before an application can be taken. This requires a current life insurance license in the state in which the agent wished to do business. Appointments To become appointed to write insurance business through a Marketing Financial carrier, please work directly with Marketing Financial. The Marketing Financial Contracting Department can handle all appointments and related matters. This includes any reappointment with an insurance company you may already be doing business with through another source. Contracting paperwork should be sent to: Marketing Financial Services 2960 East Battlefield Springfield, MO For contracting questions, please contact Marketing

5 Our web site revolutionizes the sales process for insurance professionals. Using the latest in internet technology, we offer solutions that meet your diverse needs and enhance the efficiency of your business. Case Status View the status of your clients cases 24 hours a day, 7 days a week. Three convenient options allow you to view the requirements and notes for active cases.. Illustrations Forms Term Comparison: Online term comparisons WinFlex Web: Online compliant carrier Illustrations LTC: Online quote requests DI: Online quote requests Forms Central, our exclusive forms delivery system, provides access to thousands of forms for our major carriers instantly. You can also or fax the required forms for a case to yourself or directly to your client in seconds. Solution Centers These centers provide all the online sales tools you need for our various product lines: Advanced Sales & Virtual Sales Assistant Traditional and Variable life Annuities Long Term Care & Disability New Benefits & MiQuotes Life Settlements Structured Settlements Impaired Risk This section provides information to give you a jump start in finding the right carrier and solution for your case. RX for Success: Read medical information about a specific impairment, or complete a questionnaire. The impairment info feature offers a comprehensive list of impairments, their definitions and surrounding issues, direction for your client, details on the exam process, and what offer you can expect. My Underwriter: Submit basic information about your client to receive an informal assessment from our underwriters. Obtain Your Personal Access

6 Meet Your Support Team!!! Sales & Marketing Support Alan Lockhart, President - [email protected] Advanced Case Design, Life, Annuity, Life Settlements, & Structured Settlements Dennis Martinez - Vice President - [email protected] Advanced Marketing Support, Life Quotes, New Benefits, MiQuotes, & VSA Stacey Douglas - Director of Marketing Operations - [email protected] Advanced Case Design, Annuity, Life, LTC, Disability Quotes & Marketing Materials/Support Susan Keltner - Director of Agent Training & Development - [email protected] Agent Development, Training, Sales Support, Contracting & Commissions Marvin Miller, CPA - RVP, Wholesale Consultant - [email protected] Advanced Marketing Materials & Support Keith George - RVP, Wholesale Consultant - [email protected] Advanced Marketing Materials & Support Gloria Bevis - Health Specialist - [email protected] Health Quotes & Med Sup Support New Business Support Whitney Johnson - Marketing Specialist - [email protected] Marketing, and Sales Support Abby Akin - Business Marketing Consultant - [email protected] New Business Processing, Marketing Support, Commissions & Policy Services Holly Burtrum - Business Marketing Consultant - [email protected] New Business Processing, Marketing Support, Commissions & Policy Services Submission of New Business: 2960 E. Battlefield, Springfield, MO Fax:

7 Advanced Markets With our wide range of products and services, we can help you craft comprehensive financial strategies for your clients. Marketing Financial provides the information and tools you'll need to help meet your clients complex planning needs. This includes Planning for Individuals, Planning for Businesses, Specialty Life & Planning Solutions, Tax Information, Seminars, Sales Concepts and Virtual Sales Assistant (VSA). Annuity Solutions Marketing Financial offers producers a wide array of competitive annuity products through respected and highly-rated insurance companies. Let our team of experts assist you with a creative annuity solution for your clients today. Long Term Care Hot Line ICB - As a wholesale brokerage firm with CMG, Marketing Financial has partnered with one of the nation's premier LTC Insurance distributors, ICB. This partnership provides you with access to the nation's top carriers and support! Please go to click on Long Term Care and then Vital Link for Long Term Care Quotes or Call the Hot Line anytime for Quotes & Information!! Disability Insurance Hot Line Disability Insurance Services - As a wholesale brokerage firm with CMG, Marketing Financial has partnered with one of the nation's premier Disability Insurance distributors, DIS. This partnership provides you with access to the nation's top carriers and support! Please go to click on Disability Insurance and then Online Quotes or Proposal Request Form or Call the Hot Line anytime for Quotes & Information!! Life Settlements There's a new way to look at life insurance policies. Did you know that it can be transformed into an unexpected source of income, freedom, and flexibility for your client? A vibrant secondary market for life insurance policies has come into being. So, hidden in your clients safe deposit box or bottom drawer may be an under-appreciated asset their life insurance policy. Marketing Financial holds the key to unlocking hidden policy value. We guide owners of unwanted life insurance policies to the secondary market for life insurance, where our professionals swiftly negotiate the best possible offers for your clients. Structured Settlements Selective Settlements International (SSI) - Marketing Financial has partnered with one of the oldest structured settlement companies in the United States. Headquartered in the Chicago, Illinois area, SSI has offices located throughout the country. SSI is a voting and charter member of the National Structured Settlement Trade Association. Please call Marketing Financial with these opportunities.

8 Available Insurance Carriers Life and Annuities Allianz Life Insurance Allianz Life of NY American Equity American General American National Aviva Life and Annuity Co. Prudential Aviva Life and Annuity of NY AXA (Equitable) Fidelity Life Integrity Life ING ReliaStar Life Insurance Company ING ReliaStar Life Insurance Company of NY ING Security Life of Denver ING USA Annuity & Life John Hancock John Hancock USA Lafayette Life Life of the Southwest (LSW) Lincoln Benefit Life Lincoln Financial Midland National Minnesota Life OM Financial Life OM Financial Life of NY Presidential Life RBC (Liberty Life Insurance) Prudential Life and Annuity Transamerica United of Omaha Life Insurance West Coast Life Long Term Care Genworth John Hancock Med America Met Life Mutual of Omaha Prudential Disability Insurance Assurity Assurity (CA,FL) Assurity Simplified Fidelity Security Illinois Mutual Lloyd's of London Met Life Mutual of Omaha Principal The Standard Union Central Union Central (Discounted)