New Agent Information Form

FINAL EXPENSE LEAD PROGRAM (fill out the first two pages, email back or fax, then you can continue online if you prefer) New Agent Information Form Agent name: (As it appears on your insurance license) Address: Phone: E-mail: Social Security Number: DOB: Gender: State: Male Female License number(s): E&O carrier: Cert# Amount: Expires on: Please attach a copy of your insurance license and E&O Return by EMAIL: Contracting@FinancialGuards.com or fax (239) 963-3674

x Return by EMAIL: Contracting@FinancialGuards.com or fax (239) 963-3674

SCRIPT and Agent Final Expense Lead Program Details OVERVIEW OF THE FINAL EXPENSE TV LEADS PROGRAM - The Final Expense Lead Program utilizes TV Commercial generated leads. - An agent is able to earn leads (Free) based upon their personal production and based on each carrier s annualized premium PPL (PPL = Premium Per Lead). See PPL Chart Below. - To participate, an agent will get contracted with at least two primary carriers, and Gerber. - Lead Cost: ZERO if earned based on production, or an agent can purchase leads at a cost of $35 per TV lead, exclusive, direct live call transfer. If you purchase leads to kickstart production, you ll then earn free leads based on PPL. FINAL EXPENSE LEAD PROGRAM CARRIERS - PPL LEVELS FINAL EXPENSE COMPANY PRODUCT Core Core Core AMERICO UNITED AMERICAN AMERICAN HOME LIFE PHOENIX FORESTERS Core MUTUAL OF OMAHA ROYAL NEIGHBORS TRANSAMERICA OXFORD LIBERTY BANKERS LIFE Aetna SECURITY NATIONAL LIFE GERBER Required PPL Eagle Series (voice signature; eapp) Final Expense WL (eapp, great Graded Benefit) Final Expense (voice signature TeleAPP) Remberence Life PlanRight Living Promise (eapp; soon to have voice signature) Simplified Issue Whole Life Final Expense Assurance Final Expense Whole Life Simplified Issue Market PermaLife Level & Graded FE Whole Life FE WL (SS cards accepted; issue to age 90) Guaranteed Issue Life (lowest premiums) THE PROCESS TV Commercials run on a 24/7 basis nationwide in select territories. Prospects viewing the commercial dial an 1-800# to request information. All inbound calls generated from the television commercials are filtered through our software system and are Live Transferred to the agent. The caller receives an automated welcome and is made aware that calls are being recorded for quality assurance purposes. System directs the live call to the next ACTIVE agent, based on STATE and availability of lead credits earned or purchased. If the agent is ACTIVE in the lead portal system, but on a personal call (not a system generated call) calls will still flow into their voicemail. If this happens the lead is considered delivered and assigned to the agent s account. If agents are not available (inactive, or on a lead call) calls are filtered to the next available agent in line to receive a call. This prevents an agent from missing a call. SOFTWARE Leads are delivered and tracked through a professional software system by Boberdoo (See it here: http://leadportal.financialguards.com ) The system tracks all leads and stores all lead calls. The system enables the TV calls to be Live Transferred to agent. The system has a built in CRM that is being rolled out on a scheduled basis. 1

Phase one of the system is the delivery of TV Leads. Phase 2 will involve the release of other lead types telemarketed phone leads. Phase 3 will involve the delivery of direct mail leads. System cost: $19.95 monthly. The monthly fee is waived for agents writing $4,000+ annualized production/ in a month (that s 3-5 policies written and issued/paid within a month). Complete the initial LEAD ACCOUNT set up form to get started (attached) Logon information is provided upon receipt of the initial set up form. LIVE TRANSFERRED CALL - Please utilize the following SUGGESTED SCRIPT approach when answering a Live Transferred call. (your phone rings, caller ID will show client s ACTUAL NUMBER, and you hear a whisper: Angel Care TV lead before you get connected). Agent - Good (morning, afternoon, etc.), this is ( your name ), with Angel Care Services. May I help you? Caller - Typical response: I m calling about the TV commercial. Agent Great! May I ask have you already decided upon the type of burial service you will need - cremation or traditional? (response) Agent - Great! The national average cost is (Cremation: $2,500 Traditional: over $7,000) do you already have an amount in mind? (response) Agent - Great! First let me review the process with you: As you are probably aware it is quite expensive to pre-pay for a funeral, making it very hard for most families. Therefore, we utilize a final expense product that is inexpensive, very simple and fits most people s budget. In order to prepare a quote for you I need to gather a little bit of information and see if you qualify. If we determine we have a product that fits your need and stays in your budget you can be protected today. There will be no waiting and no delays. Let me begin by asking you a few questions: ( begin completing the Americo or AHL pre-qualification worksheet; also have the PRESCRIPTION DRUGS approval sheet handy). Agent - Great News! You qualify and can be covered today! The cost and coverage of the plan will be guaranteed for life. We just need to complete a few more questions. (complete the e-application, or call the TeleAPP department and finish the app with VOICE SIGNATURE, in case client does not have email or computer). Americo s TeleAPP# 855-2488327 te: When you get to the financial section lead with the following: Mr./Mrs. there are two ways to pay for the plan. You can pay monthly which is how most individuals pay or you can pay annually what is your preference? Explain the monthly process of auto-bank draft. This statement will lead into a discussion regarding the cost of the plan. Complete the app and close the sale! Review the plan! (choices, premium, etc.) Be sure you provide your contact information. Follow up in 5-7 days to make sure they have received the policy in the mail. GOOD LUCK AND HAPPY SELLING! LEAD PORTAL link Initial SET UP form for lead portal CONTRACTING 2

FREE TV LEADS PROGRAM FINAL EXPENSE - AGENCY, SUB-GA Recruiter and AGENT COMP LEVELS GA FINAL EXPENSE COMPANY AMERICO AMERICAN HOME LIFE FORESTERS MUTUAL OF OMAHA UNITED AMERICAN ROYAL NEIGHBORS TRANSAMERICA OXFORD LIBERTY BANKERS LIFE AMERICAN CONTINENTAL/AETNA GERBER PRODUCT Eagle Premier WL Final Expense WL PlanRight WL Living Promise WL Final Expense Whole Life Simplified Issue Whole Life Final Expense WL Assurance Final Expense Whole Life Simplified Issue Market PermaLife Level & Graded FE Whole Life Guaranteed Issue Whole Life Recruiter 1 105% 90% 85% 85% 90% 85% 85% 85% 55% Agent 2 100% 85% 50% Agent 1 90% 75% 60% 60% 45% NY / / 55% 45% 60% / / / / / 45% PPL - TV (CORE carriers in GREEN) PPL ("Premium Per Lead") = amount of annual premium to earn 1 TV lead free. Example on PPL: you sold a final expense policy for $85/month premium. That s $85 x 12 months = $1,020 annualized premium. Divide that by the PPL for the carrier you sold with, and find out how many TV leads you earned: (now all carriers' PPL is ) then $1020 / = 4 TV leads earned. You ll receive 4 leads free from our TV commercials. "Agent 2" level - production requirement of $10,000 in annualized premium The "Recruiter" level needs either: at least one other agent in your hierarchy, or over $25,000 production if no agents. PPL for "Press #1" leads = 30 leads free for each $3,500 annualized production with a CORE carrier. Or $9 each, min. 25 order. PPL for DIRECT MAIL lead cards = 1000 Final Expense direct mail cards sent for each $3,500 annualized premium (valued at $400). AGED direct mail leads = $3 each, 100 minimum order. Final expense lead response cards, EXCLUSIVE, aged 30-180 days. * The commission levels may differ for certain age groups, product type (level, graded, or guaranteed issue). The above levels may change without prior notice from carrier. Contact us for an updated commission grid.

Carrier contract request* LEAD CONTRACT: IF YOU PREFER ONLINE CONTRACTING, STOP HERE Continue at www.lifefex.com/contracting AMERICO GERBER AMERICAN HOME LIFE FORESTERS UNITED AMERICAN ROYAL NEIGHBORS TRANSAMERICA LIBERTY BANKERS MUTUAL OF OMAHA Guaranteed Issue OXFORD NON-LEAD CONTRACT AMERICO GERBER FORESTERS MUTUAL OF OMAHA UNITED AMERICAN UNITED HOME LIFE ASSURITY WASHINGTON NATL. PHOENIX LIFE KEMPER COLUMBIAN LIFE PRINCIPAL AMERICAN NATIONAL AMERITAS AMERICAN GENERAL AMERICAN BENEFITS ASC. FIDELITY LIFE ASSOC. FIDELITY SECURITY GENWORTH ILLINOIS MUTUAL JOHN HANCOCK LINCOLN FINANCIAL MASS MUTUAL METLIFE NATIONWIDE NORTH AMERICAN PROTECTIVE PRUDENTIAL TRANSAMERICA VOYA Most carriers accept "J.I.T." (Just-in-time) contracting, and they won't process your contract until you submit a client application. * Other carriers are available, per request.

Signature Authorization PLEASE READ THIS AUTHORIZATION, SIGN IN THE BOX BELOW AND SUBMIT THIS FORM BY FOLLOWING THE INSTRUCTIONS PROVIDED ON THE COVER PAGE. I,, hereby authorize SuranceBay, LLC and its general agency customers (the Authorized Parties ) to affix or append a copy of my signature, as set forth below, to any and all required signature fields on forms and agreements of any insurance carrier (a Carrier ) designated by me through the SureLC software or through any other means, including without limitation, by e-mail or orally. The Authorized Parties shall be permitted to complete and submit all such forms and agreements on my behalf for the purpose of becoming authorized to sell Carrier insurance products. I hereby release, indemnify and hold harmless the Authorized Parties against any and all claims, demands, losses, damages, and causes of action, including expenses, costs and reasonable attorneys' fees which they may sustain or incur as a result of carrying out the authority granted hereunder. By my signature below, I certify that the information I have submitted to the Authorized Parties is correct to the best of my knowledge and acknowledge that I have read and reviewed the forms and agreements which the Authorized Parties have been authorized to affix my signature. I agree to indemnify and hold any third party harmless from and against any and all claims, demands, losses, damages, and causes of action, including expenses, costs and reasonable attorneys' fees which such third party may incur as a result of its reliance on any form or agreement bearing my signature pursuant to this authorization. Please sign in the center of the box below. Please use BLACK ink. PRODUCERIDXXX

Social Security #: Email: Last Name: First Name: MI: Resident Insurance License #: State: Phone: Fax: Cell: Gender: Driver's Lic. # / State: Title: Marital Status: DB / / Maiden Name: Residential Address ( PO Boxes) Move In Date: / / Line 1: Line 2: State: Zip: Mailing Address ( PO Boxes) Start Date: / / Line 1: Line 2: State: Zip: AML Provider: LIMRA NONE OTHER Date Completed: / / If Other, Provide Certificate of Completion. Are you a Registered Rep with FINRA? If, Broker/Dealer Name: CRD #: Please list any Honors you currently hold: Doing Business As: Individual Business Entity Solicitor/LOA If DBA Solicitor/LOA, list who you are assigning commissions to: Complete the following only if DBA a Business Entity: EIN: Business Name: Website: Your Title: Phone: Fax: Principal Name: Principal Title: Email: Corporate Address ( PO Boxes) Start Date: / / City/State t Needed Line 1: Line 2: Zipcode:

History *NOTE* Attach additional info if needed Employment -- Please provide past 5 years of employment history: From: / / To: / / Company: Position: Location: From: / / To: / / Company: Position: Location: From: / / To: / / Company: Position: Location: Address History -- Please provide past 5 years of address history: *NOTE* Attach additional info if needed From: / / To: / / City/State t Needed Line 1: Line 2: Zipcode: From: / / To: / / City/State t Needed Line 1: Line 2: Zipcode: From: / / To: / / City/State t Needed Line 1: Line 2: Zipcode:

Legal Questions for Contracting and Appointment Requests Please answer the following questions. If you answer YES to any question, be sure to provide a full, detailed explanation including specfic dates. Name: 1 Have you ever been charged or convicted of or plead guilty or no contest to any Felony, Misdemeanor, federal/state insurance and/or securities or investments regulations or statutes? Have you ever been on probation? 1A Have you ever been convicted of or plead guilty or no contest to any Felony? 1B Have you ever been convicted of or plead guilty or no contest to any Misdemeanor? 1C 1D 1E Have you ever been convicted of or plead guilty or no contest to a violation of federal or stat securities or investment related regulations? Have you ever been convicted of or plead guilty or no contest to a violation of state insurance department regulations or statutes? Has any foreign government, court, regulatory agency, or exchange ever entered an order against you related to investments or fraud? e 1F Have you ever been charged with a Felony? 1G Have you ever been charged with a Misdemeanor? 1H Have you ever been on probation? 2 Have you ever been or are you currently being investigated, have any pending indictment, lawsuits, or have you ever been in a lawsuit with an insurance company? 2A Are you currently under investigation by any legal or regulatory authority? 2B Have you been under investigation by any insurance company? 2C 2D Have you ever been or are you currently involved in any pending indictments, lawsuits, civil judgments or other legal proceedings (civil or criminal)(you may omit family court). Have you ever been named as a defendant or codefendant in a lawsuit, or have you ever sued or been sued by an insurance company? 3 Have you ever been alleged to have engaged in any fraud? 4 Have you ever been found to have engaged in any fraud? 5 5A Has any insurance or financial services company or broker-dealer terminated your contract or appointment or permitted you to resign for reason other than lack of sales? Were you fired because you were accused of violating insurance or investment related statures, regulations, rules or industry standards of conduct? 5B Were you fired because you were accused of fraud or the wrongful taking of property? Failure to supervise in connection with insurance or investment related statues, regulations, 5C rules or industry standards of conduct? Have you ever had an appointment with any insurance company denied or terminated for 6 cause? Does any insurer, insured, or other person claim any commission chargeback or other 7 indebtedness from you as a result of any insurance transactions or business?

8 Has any lawsuit or claim ever been made against you, your surety company, or errors and omissions insurer arising out of your sales or practices, or, have you been refused surety bonding or E&O coverage? 8A Has a bonding or surety company ever denied, paid on or revoked a bond for you? 8B Has any Errors & Omissions (E&O) carrier ever denied, paid claims on or cancelled your coverage? 9 Have you ever had an insurance or securities license denied, suspended, cancelled or revoked? Has any state or federal regulatory body found you to have been a cause of an investment or 10 insurance related business having its authorization to do business denied, suspended, revoked, or restricted? 11 Has any state or federal regulatory agency revoked or suspended your license as an attorney, accountant, or federal contractor? 12 Has any state or federal regulatory agency found you to have made a false statement or omission or been dishonest, unfair, or unethical? 13 Have you had any interruptions in licensing? Has any state, federal or self-regulatory agency filed a complaint against you, fined, 14 sanctioned, censured, penalized or otherwise disciplined you for a violation of their regulations or state or federal statutes? 14A Has any regulatory body ever sanctioned, censured, penalized or otherwise disciplined you? 14B Has any state, federal, or self-regulatory agency filed a complaint against you, fined or sanctioned you? 14C Have you ever been the subject of a consumer initiated complaint? 15 Have you personally or any insurance or securities brokerage firm with whom you have been associated filed a bankruptcy petition or declared bankruptcy? 15A Have you personally filed a bankruptcy petition or declared bankrtuptcy? 15B Has any insurance or securities brokerage firm with whom you have been associated filed a bankruptcy petition or been declared bankrupt either during your association or within fiv years after termination of such association? e 15C Is the bankruptcy pending? 16 Are there any unsatisfied judgments, garnishments or liens against you? 17 Are you connected in any way with a bank, savings & loan association, or other lending or financial institution? 18 Have you ever used any other names or aliases? 19 Do you have any unresolved matters pending with the Internal Revenue Service or other taxing authority? If you answered any questions YES, provide an explanation that includes dates, actions, and descriptions. Attach additional paper if necessary. I attest that the information I have provided is true to the best of my knowledge. I acknowledge that if any information changes, I will notify my agency office within 5 days of such change. Further, I understand that my agency may contact me when I need to answer carrier specific questions. Signature: Date:

ELECTRONIC FUND TRANSFERS (EFT)

American Home Life Insurance Co. - Additional questions for ONLINE CONTRACTING with SureLC / Surance Bay. AGENT NAME: 1

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Final Expense TV COMMERCIAL Leads Portal Sign-up PLEASE PRINT CLEARLY! Date: Please Print FULL NAME Credit Card (circle one): Visa Discover MasterCard Name as it appears on the card Billing Address City: State: Zip: Card Number: Exp. Date: Sec. Code: (three digits on the back of the card) PHONE NUMBER YOU WANT YOUR INBOUND PHONE LEADS TO RING INTO (use a dedicated line with its own voice mailbox for Angel Care Services, please leave your name and number and an agent will return your call promptly --- this can be a free virtual phone line app like Google Voice, SecondLine, FreeTone etc) Email address: States Requested for Leads: Cost: $19.95/ month Signature: (the monthly fee will be waived for each month when you write $4,000+ of annualized premium (4-5 policies in a month) Fax to: 239-963-3674 send copy to &RQWUDFWLQJ@)*8$5'6.com Rev 09/19/2016