Get the Competitive Edge - Put New West Insurance to Work for You

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1 Get to Know New West Insurance New West Insurance is an independent na onal life insurance marke ng organiza on based in the Northwest. Our producers are an exclusive group of life insurance professionals who lead the industry in innova ve advanced marke ng strategies. We offer an unparalleled level of personal service; providing access to the top carriers, products, compensa on and technology. With over 80 years combined underwri ng experience, we nego ate the most compe ve underwri ng results in the industry. We are a principal office of Insurance Designers of America (IDA), an organiza on that producers over $215 million of target premium and over $1 billion of annuity sales annually. IDA is an alliance of top brokerage agencies that uses its combined strength and high produc on levels to influence product design and to effec vely shape market forces. Our standing in IDA gives us underwri ng clout and unappareled carrier access. We have the dis nc on of being among the most experienced and professional marke ng groups in the industry, while also maintaining an excep onal high level of personalized service. Get the Competitive Edge - Put New West Insurance to Work for You Industry Clout: IDA, an industry leader for over 30 years, is the largest independent na onal marke ng firm with over $215 million of target premium and over $1 billion of annuity sales annually. Top Carriers: Access to over 30 top carriers, including several niche carriers. Underwri ng: Exper se in strategic underwri ng and nego a on with over 80 years of combined underwri ng experience. Top Sale Strategies: Innova ve and proven sales strategies. Responsive and knowledgeable product and case design support. Concierge Service: New West Insurance provides unprecedented levels of customer service.

2 New West Insurance Overview Marke ng & Sales Support From an urgent last minute illustra on to discussing an important case and designing a customized sales strategy, New West Insurance has the experience, insight and familiarity with today s insurance market to help you when you need it most. Our knowledgeable sales team provides you with fast and accurate support. Contrac ng & Licensing New West Insurance is your commi ed back office. We can help you obtain informa on on how to become licensed in non-resident states, sign on with a new Broker/Dealer, or smoothly transfer from one Broker/Dealer to another. New West Insurance is dedicated to contrac ng our producers with carriers quickly and efficiently. Through our digital contrac ng system SuranceBay, we can have your carrier paperwork submi ed in minutes instead of days with virtually no involvement on your part. New Business New West Insurance is proud to offer premier underwri ng and new business services. With access to all of the industry s top carriers, our firm has successfully established solid rela onships with key senior underwri ng execu ves. We work to leverage these rela onships in obtaining the best possible underwri ng offers for your clients. Our unique approach and underwri ng strategies consistently beats our compe tors offers. Annui es, Disability and Long Term Care Annui es: We offer the top fixed and indexed annui es available in today s compe ve market. New West Insurance has partnered with New York Life, Great American, Lincoln Financial Group and One America among many others. Disability: Whether it is group, individual, short or long term disability, New West Insurance has the professional resources to provide the perfect solu on to round out your client s insurance plan. We've partnered with Ameritas, The Standard, Assurity, MetLife, Principal and Mutual of Omaha to consistently offer the most compe ve DI rates possible. Long Term Care: There are numerous solu ons available today for insuring against long term care and chronic illness expenses. New West Insurance brings you the top carriers in today s market and offers the best of stand-alone, linked benefit and life insurance riders for LTC products.

3 Doing Business with New West Insurance A er submi ng a new applica on, the road to obtaining a formal offer and ge ng your policy issued can include a few speed bumps along the way. Below are a few ps to help streamline the underwri ng process for your next case. Obtain a general HIPAA: New West Insurance has a general HIPAA form that covers over 50 carriers. Please have your client complete our HIPAA when processing a new applica on. If your case needs to be shopped for compe ve offers with other carriers, a signed general HIPAA allows us to submit the case to any of our contracted carriers. Complete contrac ng and appointments: Prior to solici ng an applica on with a new carrier, contact us to get your new contract started. If you are already contracted with a carrier, but through a different BGA, we will work to get a dual contract under New West Insurance established. If you are already contracted with a carrier, but wri ng an applica on in an non-resident state, no fy us in advance to begin the state appointment process. Help clients prepare for their life insurance exams: Walk them through the process so there are no surprises on exam day. Our office can help you with the exam ordering. Scheduling: Inform your client that they will be receiving a call from the examining service to schedule the date and me for their insurance exam to be completed. Medica on: Clients will be asked about medical history during their exam, including medica ons, both prescribed and over the counter. Res ng EKG: This will need to be performed in a place that is suitable for the client to lie down with privacy. Exam Days (Tuesday, Wednesday, Thursday): Historically these are the best days for the big exams. If taken on a Friday, lab work may sit over the weekend. On Monday, the client may have overindulged during the weekend (alcohol/salt/high-fat food). We recommend morning exams and an overnight/a.m. fast prior to blood work (no caffeine or food and limited water). Lab Work: Both blood and urine samples will be taken for the majority of the cases. Face amount and age are the determining factors for which labs will be drawn.

4 Core Carriers Although we represent virtually all of the key carriers in our industry, we have developed a core group of carriers that we most ac vely promote. Each of these core carriers must meet a stringent set of criteria. They must develop real, long term value to policy holders and pay generous compensa on to the producer. We carefully examine each carrier to make sure they meet the following requirements: Financial strength Product integrity High compensa on to the producer Bend-over-backwards underwri ng Superior service New West Insurance s Producer Advisory Board set these requirements over 18 years ago. We con nue to believe that we can be more profitable only if our core carriers con nue to meet the above criteria. We hope that you agree with our philosophy and that by joining us, you will find more me to do what you do best: Prospect, Sell and Serve your clients. Following is a list of our current core carriers: Allianz Accordia American General Ameritas ANICO Assurity AXA Genworth Great American Guardian John Hancock Legal & General Lincoln Financial Group Mass Mutual Met Life Minnesota Life Mutual of Omaha Na onwide North American Na onal Life Group New York Life One America Pacific Life Principal Life Protec ve Life Pruden al Life Symetra Transamerica VOYA Zurich

5 An individual can make a difference, but a team can make a miracle. Mike Smith President mike@newwes nsurance.com x 6 Pam Smith Underwri ng Director pam@newwes nsurance.com x 1 Mark Lovlien Marke ng & Sales VP mark@newwes nsurance.com x 2 Clint Sands Regional Sales Director (UT) csands@ida-na.com Kayla Runyan Underwri ng Manager kayla@newwes nsurance.com x 3 Melissa Church Marke ng & Communica ons melissa@newwes nsurance.com x 8 Erin Perkins Commission Account Manager erin@newwes nsurance.com x 5 Stephanie Jaskowski New Business Case Manager stephanie@newwes nsurance.com x 4