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Presented By: Rick Stolz, President, Since 1980 770-662-8510 Local 800-533-5969 Toll Free 770-662-0516 Fax Instrumental in the design and creation of this unique product being brought to market!!!

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New ERA For Cigarette Smokers!!! New Non Smoker Term Rates Unique 1 st to market

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Sentry Life Insurance Company Approved States Commit To Quit Product Overview Application Process Contracting & Commissions Opportunities Questions Contact

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Established: 1958 A+ rating Licensed to do business in 49 states Assets*: $5.3 billion Surplus*: $271 million Annual Premiums*: $558 million * As of 12/31/2014

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Future filings CA, CT, DC, DE, FL, MT, ND, SD

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Decreasing term product - marketed to smokers This is a slow decrease as apposed to past plans whose premiums would double

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Decreasing term product Offers the ability to lock in current death benefit Upon proof of smoking cessation benefit locks in at that time

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Decreasing term product Offers the ability to levelize death benefit Three level premium options 15, 20, or 30 year level Issue Ages 18 to 50 Convertible for the first 5 policy years

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Decreasing term product Offers the ability to levelize death benefit Three level premium options Competitive premiums Riders Accelerated Death Benefit - Included Accidental Death Benefit - Optional Waiver of Premium - Optional Children's Rider - Optional

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Male Preferred Smoker Age 40 $500,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$1,010.00 Sentry Life$1,275.00Sentry Life$2,155.00 Transamerica$1,165.00 Transamerica$1,515.00Transamerica$2,515.00 MetLife$1,174.00 SBLI$1,530.00SBLI$2,535.00 Banner Life$1,175.00 MetLife$1,539.00MetLife$2,539.00 SBLI$1,175.00 Banner$1,540.00Banner Life$2,540.00 N American$1,180.00American Gen.$1,544.00N. American$2,570.00 $1,000,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$1,930.00 Sentry Life$2,460.00Sentry Life$4,230.00 Transamerica$2,220.00 Transamerica$2,860.00Transamerica$4,960.00 SBLI$2,240.00 SBLI$2,890.00SBLI$5,000.00 N American$2,245.00 American Gen.$2,904.00MetLife$5,009.00 Banner Life$2,250.00 Banner Life$2,910.00Banner Life$5,010.00 American Gen.$2,274.00ReliaStar$2,910.00N American$5,035.00

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Female Preferred Smoker Age 40 $500,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$805.00 Sentry Life$1,000.00Sentry Life$1,535.00 Minnesota Life$960.00 Transamerica$1,205.00Transamerica$1,790.00 Transamerica$960.00 SBLI$1,215.00SBLI$1,805.00 Assurity$970.00 American Gen.$1,219.00Banner Life$1,810.00 SBLI$970.00 Banner$1,220.00N American$1,810.00 American Gen.$984.00ReliaStar$1,225.00Assurity$1,920.00 $1,000,000 Carrier15 Yr Carrier20 YrCarrier30 YR Sentry Life$1,480.00 Sentry Life$1,910.00Sentry Life$2,980.00 Transamerica$1,710.00 Transamerica$2,270.00Transamerica$3,470.00 N American$1,725.00 SBLI$2,290.00SBLI$3,500.00 Banner$1,730.00 N American$2,295.00N American$3,505.00 SBLI$1,730.00 Banner$2,300.00Banner Life$3,510.00 Minnesota$1,755.00American Gen.$2,334.00American Gen.$3,554.00

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Drop Ticket Request Required State Forms will be generated Generates a Temporary Number Identifier before a policy number Call center contacts the Proposed Insured Client voice signs Exam is scheduled

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Contracting paperwork can be submitted with first application Exception is Pennsylvania requires prior approval Agent level commissions no production requirement 80% 30yr 75% 20yr 70% 15yr GA Contracts available 85%, 90%, with production requirements Higher Commission Levels above 90% require prior approval

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In 2013, an estimated 17.8% (42.1 million) U.S. adults were current cigarette smokers. Of these, 76.9% (32.4 million) smoked every day, and 23.1% (9.7 million) smoked some days 20.5% are males 15.3% are females 20.1% are between the ages of 25 44 19.9% are between the ages of 45 64 19.4% are Whites 18.3% are Blacks 12.1% are Hispanics 26.8% are Multiple Races * Content source: Office on Smoking and Health, National Center for Chronic Disease Prevention and Health Promotion, Centers for Disease Control and Prevention

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Fully Underwritten Life - Impaired Risk Life Diabetic, HT/WT, Cancer, Heart Simplified Issue Whole Life up to A89, Yes/No application, Single Premium option, Cancer after 1yr, Lupus and many more Senior Market Products Final Expense Life, Medicare Supplement Annuities Single Premium immediate and deferred Disability Long Term and Short Term Blue and White Collar Travel Medical Individuals and Groups to and from U.S.A., Citizens and Non Citizens, Senior Market Short Term Medical Long Term Care

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Diversified Ins. Brokers 730 Holcomb Bridge Rd Norcross, GA 30071 800-533-5969 770-662-8510 770-662-0516 (fax) www.diversifiedins.com Jarad@diversifiedins.com Jason@diversifiedins.com Margaret@diversifiedins.com Tonia@diversifiedins.com