Making a difference in the lives of others is our primary CORE value.

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1 Making a difference in the lives of others is our primary CORE value. Free your loved ones from the burden of funding and planning your final expenses.

2 WHO WE ARE SENIOR BENEFITS SERVICES We are an independent Senior Benefits Group. We do not work for the insurance companies or any funeral service provider. We are state licensed agents and field underwriters that are here to represent you. We believe in doing business the old fashioned way. We do home visits and conduct personal health assessments to ensure you can qualify for the best products available to you in the state, offering the most affordable plans to meet your families' needs. We partner with and assist you in applying for benefits with the highest rated, lowest priced and most preferred insurance providers to best serve you. A-Rated, A.M. Best 1

3 WHAT WE DO We educate families on the different types of insurance products and plans that are available on the market. Many people make the mistake of purchasing their final expense or burial insurance from an offer through the mail or on TV and they bank on that coverage. We have discovered that about 85% of the clients we serve currently have the wrong type of insurance or are paying entirely too much for their coverage. THREE DIFFERENT TYPES OF LIFE INSURANCE TERM Temporary coverage only, usually in terms of 10, 15, 20 or 30 years. Some have increasing premiums on auto renewing 5 year terms (AARP, Globe Life, etc). The policy either terminates or has significant annual premium increases after the term. Builds ZERO Cash value. Designed for larger amounts of coverage for a period of time only. Designed typically for younger, healthy people with little or no medication and has a benefit that will pay IF they should pass away. Term Insurance is NOT designed for Final Expense coverage. ACCIDENTAL Coverage that will ONLY pay if you were to die in an accident. Usually offered by your bank or credit union. Less than 5% chance of occurring. Accidental Death Insurance is NOT designed for Final Expense coverage. We will ONLY recommend what is best for you. Final Expense Plans need to be AFFORDABLE, provide a PERMANENT benefit and have GUARANTEES. WHOLE LIFE Coverage will protect you for your WHOLE LIFE. Never expires or cancels (as long as premiums are paid). Premium payments guaranteed to never increase (even when your age and health changes). Benefit is guaranteed to never decrease. Builds cash value. WILL pay to your family WHEN you pass and they need it the most. Whole Life Insurance IS designed for Final Expense Coverage. 2

4 WHY PEOPLE REQUEST INFORMATION People who request information about life insurance, funeral costs or final expense planning understand that life can be unpredictable and they need to be prepared. FOUR PRIMARY REASONS: No Current Coverage or Plan - They are worried about leaving a financial burden to their spouse or family. Not Enough Coverage - They have some insurance or basic burial benefit but its not enough or they have borrowed against it. Coverage Review - They want to review their current plan to ensure it is the correct type of coverage to guarantee their family will be taken care of. They are concerned about Loss of Household Income for their spouse or family - They want to ensure their family has enough to live on without them. MANY FAMILIES HAVEN'T CONSIDERED: Medical bills Mortgage or Rent Payments Credit Cards or Personal Loans Car Payments Which of these relates most to you and your family? 3

5 COSTS TO CONSIDER FOR FINAL EXPENSES Final expenses are the financial obligations associated with funeral arrangements, burial costs and any unpaid medical bills that require payment upon someone s passing. Dignity Planning states that the average price of a 2016 standard Burial Arrangement was $11, and a standard Cremation Arrangement was $5,

6 YOUR OPTIONS FOR FINAL EXPENSE PLANNING OPTION #1 - DO NOTHING We know this is not your option. You requested information and you realize it s not about you, but that its about your family. OPTION #2 - PURCHASE A PRE-PAID FUNERAL Pay in Full - lump sum payment, using your savings. Finance your plan over time - payments are typically higher than expected and you could leave your family to pay the balance should you pass before paying off the funeral. 3 WAYS TO PLAN YOUR FUNERAL EXPENSES Those (pre-paid) funeral plans don t necessarily come cheap. Payments for a $10,000 plan spread over 10 years could cost $300 to $350 per month. Excerpt from US News and World Report April 17,

7 YOUR OPTIONS FOR FINAL EXPENSE PLANNING OPTION #3 - A STATE REGULATED FINAL EXPENSE PLAN If you qualify, these plans have 5 Important Guarantees: 1. Benefits are guaranteed to never be canceled. 2. Premium Payments are guaranteed to never increase. 3. Benefit Amount is guaranteed to never decrease. 4. Death Benefit is guaranteed to pay to your family or designated beneficiary income tax free, as long as your premiums are paid. 5. Builds cash value to guarantee you flexibility and options in the future. PLANS ARE AFFORDABLE AND DESIGNED FOR YOUR BUDGET, WITH NO MEDICAL EXAM. Wouldn't you agree that Option #3 is the best? *Plans vary based upon carrier, product, age and health of the proposed insured. Benefits do not change as long as the premiums are paid within the terms of the policy schedule. 6

8 QUALIFYING FOR YOUR PLAN These state regulated plans do require your qualification. Applying is simple and once approved and in force, your Benefits are Guaranteed *. You will have the peace of mind knowing your family will be taken care of. A FEW QUESTIONS TO DETERMINE THE BEST PLAN & BEST PRICING 1. Are you currently employed, receiving a pension, social security, or disability? 2. Do you receive your social security deposit on your bank account or on a social security deposit card (green card)? 3. Have you ever been diagnosed with congestive heart failure, cancer, insulin dependent diabetes, had an organ transplant, or had any cardiac or circulatory issues in the last 2 years? 4. Do you take any nitro meds, been diagnosed with COPD, use oxygen or nebulizers, or been diagnosed with any memory loss? 5. Have you had any surgeries in the last 2 years? *Once approved, a policy remains in force provided the premiums are paid within the terms of the policy schedule. 7

9 YOUR APPLICATION IS COMPLETE Congratulations! We commend you on taking care of this significant and important step in planning for your family. This unselfish gift of love leaves a legacy for them that hopefully will inspire them to do the same for their family. ADDITIONAL FAMILY BENEFITS AND SERVICES We also provide benefits and plans for your family members and friends that include: Insurance and financial planning for young families and individuals, such as adult children and grandchildren. A broad range of life insurance products, including mortgage protection, and return of premium plans. Children s whole life insurance - lowest rates on children s plans ages 6 weeks to 17 years. Who can we HELP next? Thank you for allowing us to serve you and for your trust! 8