What is the Advantage Program?

What is the Advantage Program? At PPI Solutions we not only want to earn your business, we want to earn ALL of your business! We strongly believe in the value of building a long term and mutually beneficial relationship with you. Our role is to provide you with the right support, including leading edge sales and practice management tools, to assist you in maximizing productivity and revenue. We are committed to your success, and hope you will make the same commitment to us. The PPI Solutions Advantage Program is our way of saying THANK YOU for your loyalty and your business. As a qualified PPI Solutions Advantage Advisor you gain access to enhanced services and special discounts to help grow your practice. Read more about program services in the following pages and monitor your progress using the handy Advantage Program Tracker on page 10. Who is an Advantage Advisor? ADVANTAGE ADVISORS ACROSS THE COUNTRY SHARE VERY SIMILAR ATTRIBUTES: Proven track record Active in the industry Believe in continuing education Highly motivated Strive for excellence Page 1

How do I qualify for the Advantage Program? 2014 Advantage Program Qualifications: The qualifying period for the PPI Solutions Advantage Program is the previous calendar year. For 2014, qualification is based on 2013 production: 1. Settled FYC of $30,000. All risk business will qualify. As it relates to funds, the test will be assets under management in qualifying funds 1, not new investment business written. For each $1,000,000 of qualifying funds under management at the end of the qualifying year the advisor will receive a $2,000 FYC credit reducing the settled FYC criteria, subject to a maximum reduction of $15,000. 2. 75% of all apps submitted must be settled. 3. Persistency must be at least 90%. 4. Minimum of 24 policies, but this requirement can be reduced by qualifying funds under management. For example, $1,000,000 of qualifying FUM reduces the criteria by 2 policies, to a maximum reduction of 15 policies. PPI Solutions maintains the right to terminate any advisor from the Advantage Program with 30 days notice. PPI Solutions has the right to immediately terminate an advisor should he/she: 1. Violate the PPI Solutions Code of Conduct. 2. Initiate any supplier transfers of their contracts away from PPI Solutions. 3. Be terminated under any clause of the PPI Solutions Advisor Agreement. 1 Qualifying funds under management are measured solely on total segregated funds on PPI Solutions WealthServ Investments on the FundServ platform. GIC, Mutual Fund, Affinity and Bank products do not count. Page 2

What privileges will I receive as an Advantage Advisor? Qualification entitles you to front-of-the-line support and extra recognition from your local office, as well as the following unique services and special discounts to help build your business: Compulife The full version of the insurance quotation system - at no cost for qualifying advisors CANNEX Income annuity quotation tool InsuranceINTEL Market intelligence and comparisons for the insurance industry Know the Risk Underwriting education, rating guides, calculators and news Financial Services Blog and Website A unique and innovative newsletter blog and content marketing service to communicate with clients PPI Solutions Sales Performance Network (SPN) Online resource to optimize sales skills and gain motivational and marketing insights READ ON TO LEARN MORE ABOUT THIS BUSINESS BUILDING SUPPORT AVAILABLE TO ADVANTAGE PROGRAM QUALIFIERS. Page 3

Compulife Instant access to the latest life insurance rates through the full version of the software, capable of Multi-life and Joint quotes. Compulife quotes all major life insurance companies for a variety of products including Level Term, Term to 100, Non-par Whole Life and the minimum premiums for Universal Life products with T100 as the cost of insurance. Compulife is an independent software company which has produced term comparison software for the Canadian market since 1982. When a change takes place in the term market Compulife responds instantly to make the appropriate product and/or rate changes to its software. Page 4

CANNEX CANNEX gathers and compiles interest rates and calculation values for financial products and services offered by financial institutions in Canada. CANNEX data is customized and distributed to financial institutions, the media and analytical services. Through the PPI Solutions Advantage Program, you can access a variety of comprehensive tables of public and broker-specific interest rates, values and information related to the products listed below. You can also run RealTime surveys for these products and RealTime client-specific surveys and quotations for annuities. PRODUCTS AND SERVICES TRACKED: Fixed interest rate products: Term Deposits, GICs, GIAs, RRSPs, RRIFs, Deposit Accounts Credit products: Mortgages, Loans, Credit Cards, Prime Rates Annuities: Calculation results, Hosted calculators, Custom-written algorithms Daily prices and performance: Mutual Funds, Segregated Funds, Pooled Funds, Labour-sponsored Investment Funds End of day prices for major North American Stock Exchanges Through online access or file transmission, financial institutions regularly update and maintain information about their own products on the CANNEX System. All data is checked electronically when entered and the CANNEX team audits the data for accuracy and completeness. Insurance companies mathematical algorithms used to calculate annuity values are programmed onto the CANNEX System. Page 5

InsuranceINTEL InsuranceINTEL is your independent source for insurance product information and comparisons from the majority of Canadian insurers. It s a powerful sales tool that s always online and up-to-date. FEATURES: View life and health insurance comparative tables Download and print tables in PDF format Choose to receive notifications by email daily, weekly, monthly (or not at all) when insurance companies update InsuranceINTEL USE InsuranceINTEL TO: Spend more time with your clients and less time analyzing products Keep your clients informed and explain price variations Compare your clients current holdings to the products you want to offer Keep up-to-date on product updates and introductions Page 6

Know the Risk (KTR) An innovative educational website and underwriting resource dedicated to insurance professionals. It offers valuable medical, non-medical and financial underwriting information in a format that is both engaging and instructive. The material has been written, edited and modified many times to ensure that the content is accurate, up to date and relevant. KTR PROVIDES YOU WITH: Underwriting Rating Guides Easy-to-use calculators Regular news updates from various suppliers on conditions, travel, etc. There are six major modules of expertise on the KTR website that each contain risk-focused information for various client attributes. SIX MODULES OF EXPERTISE: Medical, Sports, Finance, Travel, Occupations, Tools An example of a diabetes risk table: Page 7

Financial Services Blog and Website FSB helps financial advisors grow their business and improve client relationships by providing meaningful and effective marketing content written to create opportunities for discussion. Regular content is delivered through a personalized email that encourages traffic to your existing website or your FSB Blog site. This is an effective way to take your message to your clients and centers of influence! No Website? If you are looking for a reasonably priced website to give you the online presence essential in today s environment PLUS have your site updated monthly with effective content - FSB will work with you to create a site branded to your organization. Visit the Advisor Sample Site available at www.ppisolutions.ca on the Advantage Program page. Already Have a Website? Are you struggling to maintain your site with meaningful content that will help build client relations and create sales opportunities? - FSB Content Only! may be your answer. Already Have a Corporate Website? Whether you are a firm with many advisors or a few, having an FSB Companion Blog and content will provide a personal touch to your communications with your clients and increase traffic to your main website. The PPI Solutions Advantage Program will cover your blog and site set-up costs and you will have access to the blog service for the discounted rate of $89 per month. Visit www.financialservicesblog.com to learn more, and make 2014 the year you embrace social media! Here s what one advisor says about Financial Services Blog: The FSB Blog has been a fantastic addition to my overall marketing plan. For years I struggled with preparing newsletters and providing timely information on a broad basis to clients and prospects. The FSB Blog now looks after this for me. With its professional writing and regular emails, clients are contacting me directly and I am making new sales. BF, Financial Advisor, Vancouver PPI is not the author of the Financial Services Blog (FSB) and is not responsible for any damages or losses arising from any use of FSB information. This material is for information purposes only and must not be taken as or relied upon by readers as legal, accounting, taxation, financial or other advice made to them by PPI, or any of its affiliates. Many of the issues discussed will vary by province. Readers should seek independent professional advice with regard to the use and verification of any of the matters discussed in FSB material. Page 8

PPI Solutions Sales Performance Network (SPN) Selling skills and motivation are critical to your success and the ongoing growth of your business. The PPI Solutions Sales Performance Network, or SPN for short, is an incredible resource to help you continue to enhance your expertise in this area. SALES PERFORMANCE NETWORK Powered by Hoopis Performance Network The program s many benefits include: Extensive online library of videos and articles to develop sales skills and inspire excellence SPN University: self-study curriculum checklist that presents 24 months of weekly content in 15 minute modules in the areas of prospecting, listening, factfinding and closing Available 24/7 so you can learn on your own schedule Regular workshops hosted by your local PPI Solutions office Weekly Virtual Coach emails to introduce you to new content and videos On-the-go access from your mobile device RealLIFE client stories and testimonials about the value of products and services you provide The online platform is offered in partnership with the Hoopis Performance Network, and was developed by U.S. industry icon Harry Hoopis. The HPN Community has over 20,000 subscribers in over 30 different companies. Advisors tell us the program helps them get engaged and stay excited about the business while increasing their productivity. Harry Hoopis, CLU, ChFC CEO, Hoopis Performance Network and Managing Partner of the Hoopis Financial Group in Chicago, Illinois. Page 9

Advantage Program Tracker 2014 Monthly Insurance FYC/# of applications AUM Credit: AUM/$1,000,000 to a maximum of $15,000 YTD Total Credits for Advantage Program JANUARY / $ FEBRUARY / $ MARCH / $ APRIL / $ MAY / $ JUNE / $ JULY / $ AUGUST / $ SEPTEMBER / $ OCTOBER / $ NOVEMBER / $ DECEMBER / $ 2014 QUALIFICATIONS: Settled FYC of $30,000 (all suppliers count) Each $1,000,000 of AUM will credit $2,000 FYC to your total to a maximum of $15,000. Settled 24 policies. Each $1,000,000 of AUM will credit 2 policies to your total to a maximum of 15. 75% of all submitted applications must be settled. Must have persistency of at least 90%. Page 10