““Due Diligence” Proposal: Due Diligence” Proposal:

The Ark Group, LLCThe Ark Group, LLC

1055 N 1151055 N 115thth St, Ste 200 St, Ste 200

Omaha, NE 68154Omaha, NE 68154

www.arkgroup.comwww.arkgroup.com

Your Partner In Success!

Who Is The Ark Who Is The Ark Group?Group?

The Ark Group Is:The Ark Group Is:

National Insurance National Insurance Brokerage & Planning Brokerage & Planning OrganizationOrganization

Based in Omaha, NEBased in Omaha, NE

Operate in 48 statesOperate in 48 states CurrentCurrent

Founded in 2003Founded in 2003

Owned & Operated by:Owned & Operated by: Donald A Hansen, CLTCDonald A Hansen, CLTC Duane R Bartelt, CLTCDuane R Bartelt, CLTC

Donald A. Hansen, CLTCDonald A. Hansen, CLTC CLTC certifiedCLTC certified CLTC Certified InstructorCLTC Certified Instructor AACII Board MemberAACII Board Member NAIFA MemberNAIFA Member SFSP MemberSFSP Member

Duane R. Bartelt, CLTCDuane R. Bartelt, CLTC CLTC certifiedCLTC certified CLTC Certified InstructorCLTC Certified Instructor NAIFA MemberNAIFA Member SFSP MemberSFSP Member

Internal Operations:Internal Operations:

Employees:Employees: Donald A. Hansen, CLTCDonald A. Hansen, CLTC

Dhansen@arkgroup.com Dhansen@arkgroup.com Duane R. Bartelt, CLTCDuane R. Bartelt, CLTC

Dbartelt@arkgroup.com Dbartelt@arkgroup.com Brook HansenBrook Hansen

Bhansen@arkgroup.com Bhansen@arkgroup.com Michelle DaharshMichelle Daharsh

Mdaharsh@arkgroup.com Mdaharsh@arkgroup.com Elizabeth WilliamsElizabeth Williams

Ewilliams@arkgroup.com Ewilliams@arkgroup.com Daniel PhillipsDaniel Phillips

Dphillips@arkgroup.com Dphillips@arkgroup.com

Office Information:Office Information: Monday – Thursday:Monday – Thursday:

8:30am to 5:30pm8:30am to 5:30pm Fridays:Fridays:

8:30am to 4:30pm8:30am to 4:30pm Phones Answered by a Live Phones Answered by a Live

PersonPerson

Additional Internal Additional Internal Support:Support: Estate Planning AttorneysEstate Planning Attorneys CPACPA

Internal Contact’s Focus:Internal Contact’s Focus: Donald A. Hansen, CLTC

Advanced Sales Critical Insurance Group/Worksite

Duane R. Bartelt, CLTC Disability Insurance Life Insurance

Term Permanent

Michelle Daharsh Annuities Long Term Care Medicare Supplement

Daniel Phillips Life Insurance

Term Permanent

Brook Hansen Office Manager

Supply requests Licensing & Contracting

Coordinator

Elizabeth Williams New Business Processing

Coordinator Application review Application submission Application follow up

Policy Administration

Background Information:Background Information:

The Ark Group and its The Ark Group and its affiliates have never been, affiliates have never been, directly or indirectly, involved directly or indirectly, involved in, charged with or convicted in, charged with or convicted of any legal misconduct, of any legal misconduct, professionally or otherwise.professionally or otherwise.

The Ark Group has never The Ark Group has never actively advertised for new actively advertised for new relationships and we work relationships and we work with several thousand with several thousand advisors across the US.advisors across the US.

Our relationship with you, as Our relationship with you, as with all the advisors we work with all the advisors we work with, began from your being with, began from your being referred to us.referred to us.

References:References:

Ken Smith, Director of Ken Smith, Director of Disability & Critical Disability & Critical InsuranceInsurance Assurity LifeAssurity Life 800-276-7619 x 4409800-276-7619 x 4409

Our Foundation:Our Foundation:

Honesty, Integrity & Commitment to ExcellenceHonesty, Integrity & Commitment to Excellence We pride ourselves on the effective systems & We pride ourselves on the effective systems &

efficient processes we have established internally.efficient processes we have established internally. We help the agent focus on what works best for We help the agent focus on what works best for

each client based on their unique circumstance.each client based on their unique circumstance. We focus on helping you look good to your clients.We focus on helping you look good to your clients. We focus on the planning side of the business and We focus on the planning side of the business and

do not primarily market products.do not primarily market products. We do not actively recruit agents.We do not actively recruit agents. We will not recruit any of your advisors away from We will not recruit any of your advisors away from

you.you.

The Ark Group The Ark Group Insurance Carriers:Insurance Carriers:

American GeneralAmerican General AllianzAllianz AssurantAssurant AssurityAssurity AvivaAviva AXAAXA American NationalAmerican National Banker’s FidelityBanker’s Fidelity Banner LifeBanner Life Colonial LifeColonial Life GenworthGenworth

Great AmericanGreat American Golden RuleGolden Rule Illinois MutualIllinois Mutual INGING JG WentworthJG Wentworth John HancockJohn Hancock Lafayette LifeLafayette Life Lincoln Benefit LifeLincoln Benefit Life Lincoln FinancialLincoln Financial Loyal AmericanLoyal American MetLifeMetLife

Our Insurance Carriers Our Insurance Carriers (continued)(continued)::

United of OmahaUnited of Omaha UNUMUNUM West Coast LifeWest Coast Life Several OthersSeveral Others We are looking into:We are looking into:

TBDTBD

Mutual of OmahaMutual of Omaha Minnesota LifeMinnesota Life NationwideNationwide North AmericanNorth American PeachTree FinancialPeachTree Financial PrincipalPrincipal PrudentialPrudential RBCRBC SymetraSymetra State LifeState Life TransamericaTransamerica

Our Portfolio Focus:Our Portfolio Focus:

Asset Accumulation:Asset Accumulation: Life InsuranceLife Insurance Health InsuranceHealth Insurance Disability InsuranceDisability Insurance Critical InsuranceCritical Insurance

Business Planning:Business Planning: Key ManKey Man Buy/SellBuy/Sell Retirement & Pension PlansRetirement & Pension Plans Business ContinuationBusiness Continuation

Asset Preservation:Asset Preservation: Life InsuranceLife Insurance Long Term CareLong Term Care Medicare SupplementMedicare Supplement AnnuitiesAnnuities

Financial, Estate & Financial, Estate & Business Planning Business Planning ConceptsConcepts

Benefits of Working Benefits of Working WithWith

The Ark Group:The Ark Group: Our Systems & Our Systems &

ProcessesProcesses ContractingContracting

State LicensingState Licensing Carrier AppointmentCarrier Appointment

Education & TrainingEducation & Training Concept FocusConcept Focus ProductProduct Client ManagementClient Management ProspectingProspecting

Underwriting SupportUnderwriting Support Pre-underwritingPre-underwriting Paramed OrdersParamed Orders Underwriting Follow UpUnderwriting Follow Up APS AssistanceAPS Assistance Weekly, Accurate UpdatesWeekly, Accurate Updates

Systems & Processes Systems & Processes ContinuedContinued

Customer ServiceCustomer Service IllustrationsIllustrations Case DesignCase Design Case DevelopmentCase Development Case ImplementationCase Implementation

Top Ten Reasons to Work Top Ten Reasons to Work With The Ark Group:With The Ark Group:

1.1. Advanced Case DesignAdvanced Case DesignWhether your client needs Retirement, Estate or Business Protection Whether your client needs Retirement, Estate or Business Protection Planning, we help you find the proper insurance based on your client’s unique Planning, we help you find the proper insurance based on your client’s unique needs and design that coverage to fulfill those needs.needs and design that coverage to fulfill those needs.

2.2. Advanced Case Development, Research & ImplementationAdvanced Case Development, Research & ImplementationWe provide powerful financial protection strategies for your clients We provide powerful financial protection strategies for your clients by assisting you in case development, research and implementation.by assisting you in case development, research and implementation.

3.3. Retirement Planning ExpertiseRetirement Planning ExpertiseWe are adept at working with you to not only help create an income We are adept at working with you to not only help create an income stream for your clients that can carry them through their retirement stream for your clients that can carry them through their retirement years but to also protect their retirement portfolio so they aren’t as years but to also protect their retirement portfolio so they aren’t as likely to outlive their assets during retirement.likely to outlive their assets during retirement.

4.4. Leveraged Planning ConceptsLeveraged Planning ConceptsWe provide you with the latest innovations in Financial, Estate and We provide you with the latest innovations in Financial, Estate and Business Planning for your clients. Leveraged Planning puts the Business Planning for your clients. Leveraged Planning puts the power of your client’s business and assets to work for their personal power of your client’s business and assets to work for their personal retirement needs.retirement needs.

Top Ten Reasons Top Ten Reasons (continued)(continued)

5.5. Extensive Impaired Risk KnowledgeExtensive Impaired Risk KnowledgeWe are well versed in getting your higher risk clients through We are well versed in getting your higher risk clients through underwriting. Although, we are not strictly an impaired risk underwriting. Although, we are not strictly an impaired risk agency…we do not just want your declined cases.agency…we do not just want your declined cases.

6.6. Comprehensive Carrier LineupComprehensive Carrier LineupWith around 70 of the Nation’s most premier Insurance Companies, With around 70 of the Nation’s most premier Insurance Companies, financially rated up to AAA+, we provide you the ability to meet financially rated up to AAA+, we provide you the ability to meet your client’s needs with quality product and carrier security.your client’s needs with quality product and carrier security.

7.7. Competitive CommissionsCompetitive CommissionsWe offer top commission levels for around 70 of the Nation’s most We offer top commission levels for around 70 of the Nation’s most premier Insurance Companies.premier Insurance Companies.

8.8. ““In Force” Policy AuditsIn Force” Policy AuditsWe provide you with policy audit services on behalf of your clients, We provide you with policy audit services on behalf of your clients, to ensure each client or prospect has the best insurance product to ensure each client or prospect has the best insurance product available based on their unique need. This service will increase available based on their unique need. This service will increase revenue from your existing client base and from new prospects.revenue from your existing client base and from new prospects.

Top Ten Reasons Top Ten Reasons (continued)(continued)

9.9. Extensive Marketing SupportExtensive Marketing SupportWe offer a broad range of marketing and business building support We offer a broad range of marketing and business building support services for those Insurance and Financial Advisors who are looking services for those Insurance and Financial Advisors who are looking for a long term, business relationship with us.for a long term, business relationship with us.

10.10. Advanced Prospecting AssistanceAdvanced Prospecting AssistanceWe offer intelligent prospecting guidance to help you generate new We offer intelligent prospecting guidance to help you generate new business, while solidifying and increasing your client base.business, while solidifying and increasing your client base.

Important Questions:Important Questions:

What sort of reporting What sort of reporting can we provide?can we provide? We are prepared to provide We are prepared to provide

reports regarding issued reports regarding issued and in-force business upon and in-force business upon request.request.

We purposely do not have We purposely do not have web tracking capability (for web tracking capability (for HIPAA reasons). However, HIPAA reasons). However, you will receive weekly you will receive weekly emails for all your pending emails for all your pending business.business.

Requests for reports will be Requests for reports will be given high priority & turned given high priority & turned around in a timely manner.around in a timely manner.

Will there be any costs Will there be any costs while working with The while working with The Ark Group?Ark Group? We do not charge fees for We do not charge fees for

any of our advice or any of our advice or services but we do receive services but we do receive override commissions based override commissions based on sales.on sales.

We do not foresee an We do not foresee an expense on your part for expense on your part for working with us.working with us.

Considering we are Considering we are separate entities, we will be separate entities, we will be responsible for our own responsible for our own expenses.expenses.

Important Questions Important Questions (continued)(continued)::

What are the commission What are the commission splits, if any?splits, if any?

Depending on the amount of Depending on the amount of involvement you need us to involvement you need us to have, we split commissions have, we split commissions on large planning cases on large planning cases based on the amount of our based on the amount of our time invested, on a per case time invested, on a per case basis.basis.

We believe that if we do our We believe that if we do our job properly and the advisor job properly and the advisor pays attention, everyone will pays attention, everyone will be compensated well.be compensated well.

What about carriers you What about carriers you currently have a relationship currently have a relationship with but are not listed as a with but are not listed as a carrier with The Ark Group?carrier with The Ark Group?

We expect for you to We expect for you to maintain the relationships maintain the relationships you have already you have already established.established.

We are willing to look into We are willing to look into getting any carrier if there is getting any carrier if there is sufficient reason and mutual sufficient reason and mutual agreement.agreement.

Naturally, we want to do Naturally, we want to do everything we can to earn everything we can to earn all of your business though.all of your business though.

Added Support:Added Support:

We will provide you and your agents with access to an We will provide you and your agents with access to an online term quote engine at no cost.online term quote engine at no cost.

We will provide you and your agents with access to an We will provide you and your agents with access to an online form engine at not cost.online form engine at not cost.

You will get access to nearly 70 different carriers without You will get access to nearly 70 different carriers without having to negotiate each contract on your own.having to negotiate each contract on your own.

Your employees will have one number to call for Your employees will have one number to call for information instead of 70.information instead of 70.

Most carriers will not give as high of a contract as what Most carriers will not give as high of a contract as what we can give without a premium commitment.we can give without a premium commitment.

Thank You!Thank You! We appreciate:We appreciate:

Your time reviewing Your time reviewing our formal proposal our formal proposal and this presentation.and this presentation.

The opportunity you The opportunity you have given us to earn have given us to earn and develop a and develop a relationship with you.relationship with you.

Your confidence in Your confidence in allowing us to have allowing us to have come this far in the come this far in the review process.review process.

Contact Information:Contact Information:

The Ark Group, LLCThe Ark Group, LLC

1055 N 1151055 N 115thth St, Ste 200 St, Ste 200

Omaha, NE 68154Omaha, NE 68154

Toll Free: 866-725-0777Toll Free: 866-725-0777

Office: 402-884-4777Office: 402-884-4777

Fax: 402-881-8337Fax: 402-881-8337

Sales@arkgroup.comSales@arkgroup.com

www.arkgroup.comwww.arkgroup.com