Some Facts about Covenant s PLR Program:

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2 Covenant s strategic partner has over 10 years experience in the online lead generation business, Covenant s PLR Program has become the standard for online annuity leads. With testimonials in almost every state in the US, we encourage you to call our business development team to find out how the program is delivering a consistent, superior R.O.I. for producers from Coast to Coast. Some Facts about Covenant s PLR Program: Covenant s strategic partner has generated over 52,000 annuity leads in Average premium per lead of $151,000. Only 1 in 3 leads made it through the stringent qualification process. All requests were initiated by the prospective buyer. The network of annuity websites are ranked in the TOP 3 results for almost all annuity keywords in Google, Yahoo and MSN. 90% of the prospective buyers came through advertising campaign initiatives and are Google s #1 client when it comes to advertising spending on annuities. This ensures production of the volumes necessary to ensure the highest quality standards in the industry and provide a good consistent lead flow for producers. The process is simple: 1. Each prospective buyer comes to the website(s) and ultimately completes a request for annuity rates or annuity information. 2. The qualification team then immediately calls and speaks with every lead prior to the lead being sold and assigned to a local producer. 3. During the qualification call, we ensure that the prospective buyer is interest in buying an annuity, determines where the funds are being held, how liquid those funds are and sets the right expectations for the lead, that a local producer will be calling them after the phone call. 4. All qualification calls are recorded. 5. Upon completion of the qualification process, the lead is referred to a local producer. All leads are sold exclusively to the producer they are assigned to.

3 So far, so good! Having used various lead generation programs over the past 15+ years I have been a bit surprised and pleased with the annuity internet leads that I have received so far. My very first lead was for a gentleman that wanted information on investing $1 Million into an annuity to do some guaranteed long term income planning with. I followed the routine that Jeff Wadsworth taught us upon receiving the lead. I sent an introductory and then followed up the next day with a phone call. We had a casual chat over the phone and he agreed to come a meet me at my Rio Rancho office. We had a good initial visit and I (with the help of Michael Wallin (CRP) showed him some laddered income planning with SPIA s and FIA s structured over five year periods to perpetuate income. He expressed interest and we agreed to get back together in a few weeks to discuss the idea further. Michael had prepared a very impressive library of charts, graphs, and related information as a resource for my benefit in case I needed a double barrel shotgun to land this bear. I simply presented concepts to the gentleman and then asked him. In relation to the information that I have just shared with you let me ask you a question relating a watch to this annuity/income planning. The gentlemen stated I just want to do business and make decisions with someone that I trust and that knows what he is talking about I meet with him next week to see where we go with the business opportunity. I have received six leads over the past 30 days. As I said the first one was the $1 Million request that I thought was probably a joke but it was for real and we are working on it. The next four leads were for amounts between $25K and $100K (these leads have been lukewarm with one of them stating that he already has another advisor and was just kicking the tire not expecting anyone to call him). I anticipate some of these leads to be lukewarm at best. The most recent lead that I received was yesterday April 14th and it is for a 68 year old gentleman that is requesting info for $1 Million Annuity to put into an account for safe and secure growth with a good interest rate. I just sent him the introductory a few minutes ago and will be calling him Wednesday April 17th.So far so good! -Lynn B., New Mexico I m a believer! Having spent over $2,000 in the last 2 years for internet marketing, I was skeptical of internet generated annuity leads. But I am now a believer in them! I signed up while we were at Elite in January 2013 but I had them hold my account in a dormant state until I attended the Building a 21st Century Practice training on March 12, My account went active on March 13, I began receiving leads on March 14th and received 9 leads within 30 days. The first lead I received on March 14th resulted in a replacement of a $275,000 Variable Annuity on April 4th. So far I have uncovered over $5M from 8 leads. I don t know exactly what the screeners at the internet lead company are telling the prospects on the phone but everyone that I called was expecting me to contact them. I have second appointments scheduled with three prospects and 1st appointments scheduled with three more. I haven t been able to reach one of my leads and one decided to stay with her current agent. So far I am very pleased with the leads and believe that this will become a great addition to my marketing for 2013! -David C., Texas

4 You are guaranteed that each lead you receive meets all of the following conditions: 1. The prospect has had a conversation with a representative confirming their interest in annuities (calls are recorded and will only be shared in case of a dispute where permitted). 2. The prospect requested quote comparisons for annuity products. 3. The lead is not distributed to more than one producer. 4. Minimum investment amount of $25, Maximum lead age of 85. The cost is $200 per lead. Qualified annuity leads generated through the internet, by individual interview. Leads in all 50 states generated using proprietary algorithms, ad campaigns and focused marketing. You can stop, start and modify your lead flow at any time. You set your budget for the month and pay as you go, never exceeding your monthly lead budget. A one-year listing on the online business directory. Here s What Producers Are Saying About the Program: "Being in the business for over 20 years, I have never had such a consistent source of qualified leads as those I have purchased monthly through Covenant s PLR program! It took me two years after hearing about them to buy my first leads...and it has changed my marketing in a powerful way ever since. It's like having qualified seminar leads without having to go through the hassle of giving the seminar. I went from buying 5 leads to 10 leads per month. Now, I ask them to send me as many as they can! They are fantastic!! I have closed several multi-million dollar annuity cases and many other solid $150k- $500k rollovers. My pipeline is full of quality leads that I am still working on... at the prospect's pace... without any pressure...because I know many of them will eventually turn into clients in the near future. I feel extremely confident and optimistic about the future of my business in a large part through the clients I have gained and will continue to meet through Covenant s PLR Program.

5 Sources to Get You Moving: There are ads found on thousands of creditable high traffic sites including the most popular media sites in the financial industry. The websites used have top rankings in most annuity related terms in search engines such as Google, Yahoo and MSN. Our strategic partner owns many websites including: AnnuityRates.com, OnlineAnnuityRates.com, FixedAnnuityRates.com, AdvisorWorld.com, etc. In-Bound Marketing Our Target Demographic are individuals between the ages of 50 & 70 having average portfolios of $500,000. Annuity Rates Request: Leads come to one or more websites and ultimately fill out a form that captures information such as their: full name, investment amount, type of annuity, guarantee period, phone number, address, etc. When the form is submitted by the lead, it is immediately received by the call center. Our qualifiers call the lead within seconds after receiving it and ask a series of important questions. The 3 Main Objectives For The Call: To ensure interest by the lead in buying an annuity(s). To identify where the money is. This not only determines whether the money is qualified or non-qualified but also how liquid it is. To manage expectations as far as follow up. Every lead understands that a local annuity professional will be in contact with them regarding their request. On average, only 35% of leads pass through the stringent qualification process. Once through, it is routed to a producer in the vicinity of the lead based on their service region. Each qualified lead is sold on an exclusive basis and routed to only 1 producer. The entire qualification process can take only minutes so the leads are always fresh.

6 It Pays To Know the Facts & The Truth: Annuities are like magnets. Most people seem to be either attracted to them, or repelled by them. As you sit down to read this, ask yourself where do I stand? It s rare to run across someone who doesn t already have an opinion about annuities, however the key word there is opinion. Is what you know based on fact, or is it based on what someone told you? Here we ll give you the facts only. Then, you decide. The truth about annuities is that they are like every other financial product out there; they have advantages and disadvantages. There are no bad financial products (as long as they are registered and approved for sale in your state), only improper or poor use of them. Most products have both positive and negative aspects to them. If you know the advantages though, then you can begin to determine whether or not the product is of interest to you or could help you financially. If you know the disadvantages, then you can begin to weigh out the pros and cons of the product to determine if it right for you and your particular situation. The Basics: Annuities come in many different varieties. Immediate and deferred are the two main types, but there are many different sub-types of deferred, including fixed rate, variable and indexed. Because there are so many different kinds of annuities, there can be a lot of confusion. When someone tells you an annuity is great, what KIND of annuity is he or she referring to? Or what if someone tells you an annuity is a terrible investment and you should NEVER own one? Same question: which type of annuity is he or she referring to? Annuities date their use all the way back to the Roman Empire; however, in modern times, annuities as we now know them began in 1759 by a Pennsylvania company for the benefit of Presbyterian ministers and their families. Over the past 250 plus years, annuities have gone through many changes, but their original premise holds true: favorable accumulation terms and guaranteed income. There are no other products on the market today quite like an annuity. At its most basic, an annuity is an interest-bearing account issued (only) by an insurance company. In exchange for your lump sum deposit or periodic deposits, the insurance company will guarantee either an immediate or deferred income stream. If the income is going to start as soon as the annuity is purchased, it s called an immediate annuity. If the income is not going to start until sometime in the future, then it s called a deferred annuity.

7 What if you woke up tomorrow knowing that you could produce $1 million every month consistently over the next year? How much confidence would that give you? Take a second and envision what your life would be like, what a million a month would feel like. For Jeff Wadsworth, it took decades of struggling in this business and learning lessons the hard way until he was introduced to the Covenant Reliance Producers (CRP) system, and the right mindset, to unlock his inner potential and reach a level any producer would deem the ultimate victory. You would never guess as a 13-year MDRT member with five Court of the Table and three Top of the Table qualifications that Wadsworth struggled as an advisor (to the point where he began interviewing to get out of the business). When asked about what changed in his career, Wadsworth had this to say: I finally have confidence in my marketing, in the system I m using, in my ability to help others, both clients and other producers. The CRP marketing system gives you confidence, because you know you have qualified prospects to see tomorrow and every day after that. And make no mistake. Confidence is what this whole thing is about, Jeff says. He admits to being cynical toward lead systems. But every single penny of his $3,546,000 in 60 days was born out of Internet leads. And, when it comes to prospecting, Wadsworth has done it all. I ve done seminars. I ve done referrals. I ve done cold calling. I ve done pretty much everything any agent could ever do to find new qualified prospects. And my two biggest hurdles were creating a constant flow of new prospects and ensuring that I was talking to qualified people. The CRP system was the answer. I now have at least 10 highly-qualified, exclusive leads to talk to every month. His formula for converting Internet leads came after years of unsuccessful prospecting; this is when Wadsworth arrived at a revelation. The last thing any of us signed up for when we became financial professionals is marketing. Once you are in the business long enough to realize it s as much, or more, about marketing than about sales, you approach prospecting differently. You need to come at it from a marketing perspective. In Wadsworth s opinion, most agents make the mistake of viewing the leads as the system. A lead is raw material, especially Internet leads. You can t rely on the same sales process. You need a complete system, that works with your style and personality. That's the only way to unlock the Million-a-Month producer inside of you. You can see instant results; I wouldn't say that if I didn't believe it. I'm proof of what can be done in 60 days. Wadsworth doesn t work weekends and takes plenty of time off. It s a great feeling to get to the point where I m working ON my business, not IN it. Wadsworth has the utmost confidence in the CRP system and the quality of their leads. Because of the CRP system, any competent producer can write a Million a Month. We can show you how to hit the ground not just running, but sprinting.

8 The Numbers Don t Lie. Currently, using this program, there are over 300 active producers across the U.S. that together have closed over $400 million in annuity premiums in 2012 alone. The success ratio for producers that have written more than $1 million in annual annuity production prior to joining Covenant is over 90%! If you are a solid and consistent annuity producer, then we are looking for YOU! Availability to join Covenant s highly sought after PLR Program is limited, so please contact the Business Development Team to find out if there is space for you. Give us a call to find out if you quailty to receive highest quality Annuity Leads in your selected area instantly. Please contact the Covenant Business Development Team: (866)

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