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WE ARE!

Insurance, Mortgage &Insurance, Mortgage &Financial ServicesFinancial Services

Domestic & InternationalDomestic & International

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LPI Companies Inc. TM

Life Partners Insurance Group Corp.

LPI Services Inc. LPI and Associates Inc. LPI Financial Group Corp.

LPI International Group Corp.

LPI Realty Inc.

Continental Mortgage Advisors

LPI Mortgage Center L.L.C.WWW.LPICOMPANIES.COM

LPI Benefits Inc.

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AND MANY OTHER FINE COMPANIES AT YOUR

DISPOSAL

AND MANY OTHER FINE COMPANIES AT YOUR

DISPOSAL

Some of the Companies & Products

LPI Companies Proudly Represents:

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Proudly Presents:

VoluntaryMartSuperior Superior SolutionsSolutions

ForFor Worksite and Worksite and IndividualIndividualHelp your Prospective or Existing Clients,

Increase Benefits, while Saving hundreds of $ Dollars $ .

The Hottest Products In Today’s Market Place.

You happen to be in the right place at the right time!

6“ THE ”

COMPETITION

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VoluntaryMartSM

Added Protection — Superior Solutions

PRODUCTINTRODUCTION

This presentation provides summary information. Please refer to the insurance policies for actual terms and conditions. In the event that there are discrepancies with the information in this presentation, the terms and conditions of the coverage documents will govern. Insurance contracts are underwritten by Fortis Insurance Company.

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Why sell Voluntary Products?Why sell Voluntary Products?

• Consumer-choice health care trends

Bigger deductibles

Higher copays

Higher out-of-pocket costs

Limited employer contributions

More plan choices

• HSAs – HIPAA- exempted qualified products

• Enhanced employee benefits at no cost to employer (lowers payroll taxes)

• Sale is focused on non-medical costs of health care events

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Voluntary Market Voluntary Market – – CompetitionCompetition• U.S. market is estimated to be penetrated by only 4-

5%*• Market sales are estimated to have grown more than

15% per year over last 5 years**• AFLAC is the 900-lb. duck – it is estimated

to have 50% of the market**• Two other large national competitors –

Colonial and American Heritage• A number of other smaller national and regional

players *AFLAC Financial Analyst Briefing 2003 **Eastbridge Consulting Group, Inc. 2003 Worksite Marketing Industry Snapshot and Competitor Profiles

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VoluntaryMartSM

Added Protection - Superior SolutionsAdded Protection - Superior Solutions

• Voluntary Mart Portfolio: Accident only Cancer Dental Heart and Stroke Hospital Indemnity Short Term Disability Sickness Indemnity Term Life with Optional Critical Illness rider

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VoluntaryMartSM – Group Group andand Individual Individual

• Designed to be sold on a worksite and an individual basis

• Worksite groups can be one life (self-employed) to 3,000,000 lives (Wal-Mart)

• During initial rollout it will be available for worksite and individual sales in AR, FL, ID and OH

• CO, TX, WI available for worksite only during initial rollout

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VoluntaryMartSM

A new business model A new business model –– Product Product DesignDesign• Individual policies that

are portable

• Issue-age premiums paid by policyowners

• Same rates for payroll deduction, EFT or credit card

• Rates could change but are not expected to

• Preferred/Standard rates on easily determined criteria

• Not designed to pay the actual cost of medical events

• Benefits paid regardless of other coverage

• Simplified or guaranteed issue

• Sold to any size group – 1 to 3,000,000 lives

• Often sold in Section 125 context

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VoluntaryMartSM

A new business model A new business model –– CommissionsCommissions• 60% advance of annualized

commission at issue.

• Commissions percentage vary by product.

• Advances paid daily if EFT arrangement is in place, weekly otherwise.

• Option to be paid on either

a level or non-level basis

• Commissions vary by production tier – increases in tiers reviewed weekly.

• Earned commissions paid weekly with detailed statements on web.

• Paper statement will be mailed monthly.

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VoluntaryMartSM

A new business model A new business model –– ClaimsClaims• No Coordination of Benefits.

• Scheduled benefits, no UCR.

• No medical management or utilization review.

• Benefits paid directly to Policy-owner.

• Benefits may not be assigned (Exception: Dental)

• No Networks

• No ID cards (Exception: Dental)

• Quick claim payment is the goal (2 days after receipt of proof of valid claim)

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VoluntaryMartSM A new business model – A new business model – AdministrationAdministration• Administration by KBA – Underwriting and

Issue, billing, claims, customer service, commissions. PC-based and Internet Rate Quoting Software. PC-based and Internet electronic applications. Web-based services

• Agents – Commission statements, Underwriting status, forms

• Employers – Brochures, forms; future – bills• Insured Persons – Claim status, update address, etc.• Administration by Assurant – Agent licensing, agent

marketing and all material fulfillment.

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• No agent underwriting prescreening needed.

• Policies are mailed directly to policy owners.

• Quick turnaround on issue and claims.

• Payroll deduction-arrears billing available for groups with 5+ policies.

• Agent, employer and customer web sites.

• Applications can be submitted electronically or via paper.• Section 125

POP plans administered at no charge. Full flex plans available at normal charges.

VoluntaryMartSM A new business model – A new business model – AdministrationAdministration

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VoluntaryMartSM Value PropositionsAdded Protection . . . Superior Added Protection . . . Superior SolutionsSolutions• Eliminate market rate inefficiencies and provide better

rates to the best risks.

• Offer Payroll Deduction, EFT and Credit Card payment at the same rate.

• Offer same rates for all sales venues.

• Arguably better benefit design – less dollar trading, increased less-frequent, higher-sizzle benefits.

• An “Excellent Compensation PackageExcellent Compensation Package” for agents. (with advances, commissions, and reachable volume incentives)

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Arguably Better Benefits Example Arguably Better Benefits Example – Accident Level 1 vs. AFLAC – Accident Level 1 vs. AFLAC Level 1Level 1• Eliminated $40 wellness benefit in years 2+

• Decreased Emergency Treatment benefit– Adult $120 to $100, Child $70 to $50

• INCREASED!INCREASED!– Accidental Death benefits (from $25K to $30K - adults and $7.5K to $15K- child)

– Daily hospital and ICU benefits (from $200 to $250 and from $400 to $500 per day)

– Major diagnostic exam benefit (from $150 to $200)

– Blood & Plasma (from $100 to $150)

– Coma, Paralysis (from $10K to 15K adult and $15K to $50K child)

• DOUBLEDDOUBLED all Specified Injury benefits– Fractures

– Dislocations

– Burns, skin grafts

– Lacerations

– Surgical Repair, etc..

• ANDAND Reduced premiums 10%Information on AFLAC from 2003 company filing with Florida Office of Insurance Regulation.

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VoluntaryMartSM Value PropositionsAdded Protection — Superior Added Protection — Superior SolutionsSolutions

• Offer discounts to 500+ life groups by reducing commissions.

• Fast payment of valid claims. (2-3 days)

• Free Section 125 POP administration.

• Web sites for customers, employers, producers.

• PC and Internet quoting software.

• PC and Internet electronic applications.

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Preferred/Standard RatesPreferred/Standard Rates

• The following products have 2 possible underwriting classifications for rates (preferred and standard classes):

Cancer Insurance

Heart and Stroke Insurance

Hospital Indemnity Insurance

Life Insurance

Sickness Indemnity Insurance

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Preferred/Standard RatesPreferred/Standard Rates • 70% of general population qualify for preferred rates

• To qualify for preferred rates an applicant must meet two criteria (no other health factors are considered in this determination): No tobacco or nicotine replacement products use in the prior

12 months Applicant’s weight must conform to height/weight criteria

designed to eliminate only the heaviest 5% of the population.

• For married couples, both individuals could be preferred, both could be standard or one could be preferred and the other standard. After each member of a couple is rated separately, a 15% premium discount is available with the Cancer plan and a 10% premium discount is available with the Dental, Heart and Stroke, Hospital Confinement Sickness Indemnity and Hospital Indemnity plans.

VoluntaryMart – Height and Weight ChartVoluntaryMart – Height and Weight Chart

Height Decline Preferred Standard Decline

4' 9'' <76 lbs 76 - 182 lbs 183 - 205 lbs >205 lbs

4'10'

' <79 lbs 79 - 186 lbs 187 - 210 lbs >210 lbs

4'11'

' <81 lbs 81 - 190 lbs 191 - 215 lbs >215 lbs

5' 0'' <84 lbs 84 - 194 lbs 195 - 220 lbs >220 lbs

5' 1'' <86 lbs 86 - 198 lbs 199 - 224 lbs >224 lbs

5' 2'' <88 lbs 88 - 202 lbs 203 - 229 lbs >229 lbs

5' 3'' <90 lbs 90 - 206 lbs 207 - 234 lbs >234 lbs

5' 4'' <93 lbs 93 - 209 lbs 210 - 238 lbs >238 lbs

5' 5'' <95 lbs 95 - 213 lbs 214 - 243 lbs >243 lbs

5' 6'' <98 lbs 98 - 216 lbs 217 - 247 lbs >247 lbs

5' 7''<100 lbs 100 - 223 lbs 224 - 255 lbs >255 lbs

5' 8''<103 lbs 103 - 230 lbs 231 - 263 lbs >263 lbs

5' 9''<105 lbs 105 - 236 lbs 237 - 270 lbs >270 lbs

5'10'

'<109 lbs 109 - 243 lbs 244 - 278 lbs >278 lbs

5'11'

'<111 lbs 111 - 250 lbs 251 - 286 lbs >286 lbs

6' 0''<114 lbs 114 - 257 lbs 258 - 294 lbs >294 lbs

6' 1''<117 lbs 117 - 265 lbs 266 - 303 lbs >303 lbs

6' 2''<120 lbs 120 - 272 lbs 273 - 311 lbs >311 lbs

6' 3''<123 lbs 123 - 279 lbs 280 - 319 lbs >319 lbs

6' 4''<127 lbs 127 - 287 lbs 288 - 328 lbs >328 lbs

6' 5''<130 lbs 130 - 294 lbs 295 - 336 lbs >336 lbs

6' 6''<135 lbs 135 - 302 lbs 303 - 345 lbs >345 lbs

6' 7''<139 lbs 139 - 310 lbs 311 - 354 lbs >354 lbs

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Dental Dental At-a-GlanceAt-a-Glance• No health underwriting!

• Benefits are assignable!

• No networks required— use any dentist!

• Dental ID Card issued

• 5 Regions based on Zip Code

• Coverage for 4 types of care Type 1 – Wellness: preventive care, cleanings, etc. Type 2 – Basic: fillings Type 3 – Major: crowns, root canals, oral surgery Type 4 – TMJ procedures

Optional Orthodontic and Inflation Riders

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Dental Dental At-a-GlanceAt-a-Glance

• Scheduled Plans not UCR• No Networks• Graded Benefits*

Type of Service Year 1 Year 2 Year 3+

Type 1 – Wellness

Full schedule

Type 2 – Basic 50% of schedule Full schedule

Type 3 – Major 20% of schedule 50% of schedule Full schedule

Type 4 – TMJ 2 year waiting period Full schedule

*Replacement policies receive up to 1 year credit, in effect, advancing benefits by 1 year.

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Dental Dental At-a-GlanceAt-a-Glance

Base Plan(s)• 3 Benefit Levels –

– 5 Regional schedules within each benefit level

– Region is based on Policyowner’s residential zip code

• 5 options for Type 2 & 3 combined Annual Maximum

$500, $750, $1000, $1250, $1500

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Dental Dental At-a-Glance At-a-Glance Benefit Benefit SummarySummary

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Cancer Cancer At-a-GlanceAt-a-GlanceBase Plan(s)

3 Benefit Levels

Waiting period

Individual or less than five W-2 employees – 30 days

Worksite with five or more W-2 employees – None

If Cancer diagnosed within waiting period, no benefits for 2

years

• Cancer Screening/Wellness Benefit – one time per calendar year

• Cancer-related diagnosis or treatment triggers other benefits

• Waiver of Premium if totally disabled for 90 days due to Cancer

Cancer Cancer At-a-Glance At-a-Glance Benefit Benefit SummarySummary

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Cancer Cancer At-a-GlanceAt-a-GlanceCompetitive Advantage• Age-band rates and preferred class result in better

rates for 2/3 of population.• Generally, everybody 40 years of age and younger

will have better rates with VoluntaryMart than with competitors.

• Over age 40 customers may still have better rates if in preferred class.

• Customer preference – better benefit design.• Marketing materials contain side-by-side

comparison with AFLAC.

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Heart and Stroke Heart and Stroke At-a-GlanceAt-a-GlanceBase Plan(s)

• 2 Plan Choices.

• Waiting Period

Individuals and worksites with fewer than five W-2 employees – 30 days from Effective Date.

Worksite with five or more employees – None.

If Heart Attack, Stroke or diagnosed Heart Disease within waiting period, no benefits for 2 years.

• Heart Attack or Stroke diagnosis or treatment for Heart Disease triggers benefits.

• Waiver of Premium if totally disabled for 90 days due to Heart/Stroke.

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Heart and Stroke Heart and Stroke At-a-Glance At-a-Glance Benefit Benefit SummarySummary

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Heart and Stroke Heart and Stroke At-a-GlanceAt-a-Glance

Competitive Advantage

• Age-band rates and preferred class result in better rates for 2/3 of population.

• Generally, everybody 40 years of age and younger will have better rates with VoluntaryMart than with competitors.

• Over age 40 customers may still have better rates if in preferred class.

• Customer preference – better benefit design.

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Accident Accident At-a-GlanceAt-a-Glance

Base Plan(s)

• 2 Base Platforms

Base Plan Covering Off-the-Job Accidents Only.

Base Plan Providing 24-hour Coverage for

Accidents.

• 2 Benefit Levels

Accident Accident At-a-Glance At-a-Glance Benefit Benefit SummarySummary

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Accident Accident At-a-GlanceAt-a-Glance

Competitive Advantage

• Arguably better benefit design – less dollar trading, increased less-frequent, higher-sizzle benefits

• In general, rates are 10% lower and benefits are richer than AFLAC’s. Example: The various benefits in the Specific-Sum Injury Benefit are double AFLAC’s.

Information on AFLAC from 2002 company filing with Florida Office of Insurance Regulation.

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Hospital Confinement Hospital Confinement Sickness Indemnity Sickness Indemnity At-a-At-a-GlanceGlanceBase Plan(s)

• 3 Benefit Level options.

• Covers Sickness.

• Limited benefits for Accident.

• 6/6 pre-existing conditions limitation.

• 270-day Waiting Period for pregnancy.

• 30-day Waiting Period for sickness.

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Hospital Confinement Sickness Indemnity Hospital Confinement Sickness Indemnity Benefit Benefit SummarySummary

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Competitive Advantage

• Preferred/Standard Underwriting is a distinctive rating

strategy in the marketplace.

• VoluntaryMart pays hospital benefits for Sickness and

Accident. Compare to competitors who only pay for

Sickness.

Hospital Confinement Hospital Confinement Sickness Indemnity Sickness Indemnity At-a-At-a-GlanceGlance

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Hospital Indemnity Hospital Indemnity At-a-At-a-GlanceGlance

Base Plan(s)

• 3 Benefit Levels

• 5 Elimination Period options for sickness-related confinements

• All benefits for Accident and Sickness

• Outpatient surgery benefit

• 270-day Waiting Period for Pregnancy

• 30-day Waiting Period for Sickness

Hospital Indemnity Hospital Indemnity At-a-Glance At-a-Glance Benefit Benefit SummarySummary

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Competitive Advantage

• Preferred/Standard Underwriting is a distinctive

rating strategy in the marketplace.

• Initial Hospitalization Benefit in base policy

• Choice of Sickness Elimination Period

• Pays double daily Hospital Confinement Benefit

for Accidents

Hospital Indemnity Hospital Indemnity At-a-At-a-GlanceGlance

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Short Term Disability Short Term Disability At-a-At-a-GlanceGlanceBase Plan(s)

• Monthly Benefit Amount in units of $100

• Maximum Issue Amount, the lesser of:

60% of gross income

70% for all in-force disability policies

$5,000 monthly benefit

• Choice of:

Accident Elimination Period

Sickness Elimination Period

Benefit Period

Benefit Amount

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Short Term Disability Short Term Disability At-a-At-a-GlanceGlance

Base Policy Benefits

• Policyowner off-the-job disability due to accident.

• Policyowner disability due to sickness.

• Waiver of premium.

Rating

• No Preferred/Standard Rating Class.

• Industry Class – combination industry/job.

• Age banded based on age at issue.

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Short Term Disability Short Term Disability At-a-At-a-GlanceGlanceCompetitive Advantage

• Partial Disability Benefit Selling point to Employer. (incentive for

employees to work light duty)

Selling point to Employees. (still collect some benefits for working at reduced salary)

Unlike some policies, does not require Total Disability precede Partial Disability.

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Term Life Term Life At-a-GlanceAt-a-Glance• Minimum Face Amount is the greater of $10,000 or what

$150 of annual premium will purchase. – maximum is $250,000

• Purchase in units of $1,000 or on a dollar purchase basis.

• Built-in Features Two times the Face Amount for Death due to Accidents. Waiver of Premium after 3 months of Total Disability. Monthly Accelerated Benefit for Long Term Disability. Restoration Benefit for Long Term Disability.

• Renewable for 20 years or to age 70 if earlier.

• Some limitations, including suicide.

• Optional Qualifying Critical Illness Rider for 12 specified conditions.

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Term Life Term Life At-a-GlanceAt-a-Glance

Competitive Advantage

• Rates are competitive, but built-in features make it difficult

for a client to compare rates on an equal basis.

• Level term insurance: rates never increase, benefits don’t

decrease due to age.

• Product features included in base policy.

• Optional Qualifying Critical Illness Rider for Heart Attack,

Stroke, Kidney failure, Major Organ Transplant, Coronary

Artery Bypass, Paralysis, Loss of Limb, Coma, Blindness,

Major Burns, Alzheimer’s.

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Riders Available by PolicyRiders Available by Policy

□ ACCIDENT POLICY (24hr & Off the Job Accident base policies)

Optional Riders

Off The Job Accident Disability Rider

On The Job Accident Disability Rider (▲different from STD Rider)

Sickness Disability Rider

Spouse Off The Job Accident Disability Rider(▲different from STD Rider)

□ CANCER POLICY

Optional Riders

Hospital Intensive Care Rider

Return of Premium Rider

Specified Disease Rider

□ SHORT TERM DISABILITY POLICY

Optional Riders

On The Job Accident Disability Rider(▲different from ACC Rider)

Spouse Off The Job Disability Rider(▲different from ACC Rider)

□ DENTAL POLICY

Optional Riders

Inflation Rider

Orthodontic Benefits Rider

□ LIFE POLICY

Optional Riders

Accelerated Benefit For Qualifying Critical Illness Rider

Spouse Rider

Dependent Child Rider

□ HOSPITAL CONFINEMENT SICKNESS INDEMNITY POLICY

Optional Riders

Additional Initial Hospitalization Rider

Hospital Intensive Care Rider

□ HOSPITAL INDEMNITY POLICY

Optional Riders

Accident Benefits Rider

Accident and Sickness Benefits Rider

Hospital Intensive Care Rider

Additional Initial Hospitalization Rider

□ HEART and STROKE POLICY

Optional Riders

Hospital Intensive Care Rider

Return of Premium Rider

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Individual and Group Size VariationsIndividual and Group Size Variations• Individual sales & groups with fewer than 5 eligible W-2

employees 30-day waiting period for Cancer, Heart and Stroke. Reduced choices on elimination and benefit periods for

disability. No 0-day sickness elimination period for Hospital Indemnity. No spouse disability rider available.

• Individual sales and groups with fewer than 5 policies issued Pay by EFT, credit card, or annual check. (no payroll

deduction)• One-life groups

Full-time job must be self-employment.• All groups must complete Worksite Account

Acknowledgement form.

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Who is KBA?Who is KBA?

• World-Class customer service provider of employee benefits.

• Creatively package exceptional goods and services solving business problems.

• 500+ employees with $45+ million in revenue.

• 2,800 corporate clients.

• 45 states.

• 200,000+ employees, 500,000+ members.

• Clients include: Assurant, Lowe’s, Transamerica, Ball State University, State of Indiana, Marsh Supermarkets and others.

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Submit AccountAcknowledgement

to KBAKBA Set Up

KBAContactsEmployer

StartWORKSITE

PayrollDeduction

Worksite Only Steps - Performed Offline

KBANotification

to Agent

Worksite Steps - Online or Offline

Complete AccountAcknowledgement

CompleteApplication(s)

“Transmit” orSubmit

Applications& Transmittal

Form

KBA PolicyIssue

VoluntaryMart New Business Workflow - Worksite PAYROLL DEDUCTION

October, 2004

CompleteTransmittal

Form

KBA IssuesGroup

Number

KBAAssignsEffective

Date

PolicyownerReceives

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How Billing Affects Sales ProcessHow Billing Affects Sales ProcessWorksite Payroll Deduction* OnlyAllowed if 5 or more policies written

• Arrears billing for all products but Life (prospective) Non-Life Example: 3/1—3/31 Coverage Period –

Premium Due Date is 4/1 Life Example: 3/1—3/31 Coverage Period –

Premium Due Date is 3/1 To synch up due dates, Life has a delayed effective date of one month

• Bill will reflect one due date/different coverage periods

*May be issued without collecting upfront premium

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Effective Dates — DriversEffective Dates — Drivers

Payroll Deduction Accounts

● Time needed for enrollment

● Payroll deduction Schedule of Employer

● Employer time for payroll set-up

● Cannot have 29th, 30th or 31st effective date

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Example:Example:

• Employer payroll deducts on the 1st and 15th

• Acct. Acknowledgement is submitted on 1/11/05• Enrollment Period is indicated as:

10 working days (14 calendar days)• On January 25, Final Transmission occurs• All business Issued on 1/27 (employer advised of payroll deduction)• Employer needs 2/1 and 2/15 payroll to collect contributions• Due Date is 3/1• Most products effective 2/1• Life is effective 3/1

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Submit AccountAcknowledgement

to KBAKBA Set Up

StartWORKSITEDirect Pay

Worksite Only Steps - Performed Offline

KBANotification

to Agent

Individual and Worksite Steps - Online or Offline

Complete AccountAcknowledgement

CompleteApplication(s)

Direct Pay - eachemployee can propose

an effective date

“Transmit” orSubmit

Applications &Payment

KBA PolicyIssue

VoluntaryMart New Business Workflow - Worksite PAY DIRECT

October, 2004

KBA AssignGroup

Number

PolicyownerReceives

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How Billing Affects Sales ProcessHow Billing Affects Sales Process

Direct Pay Customers Individual Market or Non-Payroll Worksite

• Prospective billing for all products Example: 3/1-3/31 Coverage Period – Premium Due Date is 3/1. Must collect a credit card or EFT authorization, or include check with application.• Prospective policyowner requests a desired Effective Date.

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How Billing Affects Sales How Billing Affects Sales ProcessProcess• Effective Date will be the latest of:

Date of application. Date payment is received or, Date requested on the application.

• Effective Date cannot be more than 60 days after the application date.

• Cannot have 29th, 30th or 31st as the Effective Date.

• Money or authorization (credit card or EFT) must be collected at time of application.

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Individual Steps - Online or Offline

StartINDIVIDUAL

CompleteApplication(s)

Individual can selectan effective date

“Transmit” orSubmit Applications

KBA PolicyIssue

VoluntaryMart New Business Workflow for Individual Policies

October, 2004

PolicyownerReceives

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Commission ParametersCommission Parameters• High first year, lower 2nd through 10th.

• Ultimate Level is paid in years 11+.

• Agents can choose either level or non-level commissions.

• Agents can be paid on Advanced or Earned basis.

• Commissions vary by product.

• Riders generally pay the same as base product.

• 500+ — If premium is discounted, so is commission.

• Weekly determination of production level.

• New product introductory commission comp available.

• Policies that lapse before four months are deducted Policies that lapse before four months are deducted from production credit.from production credit.

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Compensation Program also Compensation Program also includes:includes:• Advance Commission

60% of first year commission paid at issue

If Agent has EFT on record, payment issued daily!

Checks will be issued weekly!

• Online Commission Statement!

Still receives monthly paper statement.

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VoluntaryMart FIC Producer VoluntaryMart FIC Producer Commission Commission Schedule Options/Production Schedule Options/Production RequirementsRequirements

** Multiply the rate for issue Ages 30-59 by 0.90 for issue Ages 18 - 29 and by 0.60 for issue Ages 60 -70 to get the actual rate paid.

10.3%2.5%6.0%35.0%14.0%2.5%6.0%60.0%11.0%2.5%6.0%40.0%3

9.50%2.0%5.5%32.5%13.00%2.0%5.5%55.0%10.25%2.0%5.5%37.5%2

8.75%2.0%5.0%30.0%11.5%2.0%5.0%50.0%9.5%2.0%5.0%35.0%1

All Durations

Yrs 11+

Yrs 2-10Yr 1

All Durations

Yrs 11+

Yrs 2-10Yr 1

All Durations

Yrs 11+

Yrs 2-10Yr 1

LevelNon – LevelLevelNon - LevelLevelNon - Level

Sickness Indemnity - Ages 30-59**Sickness Indemnity - Ages 30-59**Life w/ Critical Illness RiderLife w/ Critical Illness RiderHospital IndemnityHospital Indemnity

Compen- sation Level

Replacements: Only the Level option is allowed. Orthodontic riders: Only 5% is paid for all durations.

* To get the actual rate for other Industry Classes, multiply the rate for Industry Class A by: 0.90 for Class B; 0.75 for Class C; 0.60 for Class D; and 0.80 for Class E.

11.0%6.0%6.0%35.0%11.0%2.5%6.0%40.0%14.0%2.5%8.0%50.0%3

10.5%5.5%5.5%32.5%10.25%2.0%5.5%37.5%12.5%2.0%7.0%45.0%2

10.0%5.0%5.0%30.0%9.5%2.0%5.0%35.0%11.0%2.0%6.0%40.0%1

All Durations

Yrs 11+

Yrs 2-10Yr 1

All Durations

Yrs 11+

Yrs 2-10Yr 1

All Durations

Yrs 11+

Yrs 2-10Yr 1

LevelNon - LevelLevelNon - LevelLevelNon - Level

DentalDentalAccident, STD - Industry Class A*Accident, STD - Industry Class A*Cancer, Heart and StrokeCancer, Heart and Stroke

Compen- sation Level

Production Requirement

Level 1 = $ 0 - $14,999Level 2 = $15,000 - $29,999Level 3 = $30,000 +

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To QualifyTo Qualify – Complete a Program registration form.

Then sell any of LPI’s wide range of products. For

every $100.00 of first year paid premium, the Selling

Representative will earn one (1) Producer Reward Point.

(All points will be fully annualized).

All Producer Reward Points will be credited at the end of

each month and will accumulate month after month.

Producer Reward Points build up fast and are exclusive

to all LPI Companies’ active selling representatives.

Sign-up BonusSign-up Bonus - The Selling Representative will receive

ten (10) Bonus Points for every newly appointed

company, beginning with the very first (1st) application

issued.

LPI PRODUCER REWARDLPI PRODUCER REWARD PROGRAM PROGRAM

This is an exclusive LPI Companies

Program

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Other Important Other Important DetailsDetailsTo be set up for Daily EFT, an agent must:

• Be designated to receive advanced

commissions.

• Have an EFT record on file, and

• Have completed and submitted to Agent and

Licensing a VoluntaryMart specific Advance

Agreement.

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Producing AgentsProducing Agents

• Appointment and Compensation Worksheet VoluntaryMart section Newly Authorized Special Compensation Check box for future use

• Advance Agreement Needed to receive any advances

• EFT Authorization Needed to receive daily advances

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VoluntaryMart BrochuresVoluntaryMart Brochures• 8 products – 11 brochures!

Accident – 24 hour brochure AND Off-the-Job brochure

Cancer – Level 1, 2 and 3 inserts

Dental – 5 regional inserts

Heart and Stroke

Hospital Confinement Sickness Indemnity

Hospital Indemnity

Short Term Disability

Term Life

Employer Brochure

Employee Brochure

• Plus 8 Rider Brochures

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VoluntaryMart Agent GuideVoluntaryMart Agent Guide

• VoluntaryMart from A to Z reference

Overview and Product Summary

Doing Business

Basics

Details – Products

Forms, Charts and Tables

Contact Information

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VoluntaryMart ApplicationsVoluntaryMart Applications• Applications: Online Software

Calculates rates automatically Faster than paper Same questions are answered only once, software automatically

populates Only one electronic signature needed Download or complete online applications and submissions at

www.voluntarymart.com

• Applications: Paper Manually calculate rates Time lost through mail All questions need to be answered manually each time Signature required on each application Applications available from

VoluntaryMart web site InFORMer or Assurant Health supply

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VoluntaryMart (GA VoluntaryMart (GA Materials)Materials)• Additional Marketing Materials

Poster – employee meeting announcement Cancer Comparison poster available at $30 each PowerPoint training documents for employers

and consumers

• Campaign Communications Postcards Kits E-mails Fax blasts

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VoluntaryMart—SuppliesVoluntaryMart—Supplies• All materials available from:

InFORMer at www.healthsales.us.fortis.com • Product brochures and applications only are available

for download from www.voluntarymart.com

• Order materials through your regular supply channel

Exceptions - Items only available by download:

Q&A PowerPoint training documents Administrative forms

(Worksite Account Acknowledgement, Worksite Transmittal, Credit Card and EFT Authorization, Payroll Deduction Authorization, Claim forms)

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Hunting Season Hunting Season StartsStarts

December 1, 2004December 1, 2004

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LPI CompaniesLPI Companies invites you to take a very close look at the VoluntaryMart product line, and join us on the very unique, golden opportunity for you to introduce your prospective clients to the most complete benefit package option in the Voluntary market. Become an independent agent, LPI will help you to provide the best for all of your qualified Clients.

It is simply the right time, and you are in the right place with the best opportunity in the market.

Thank You

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THANK YOU FOR YOUR TIME!

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