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AGENCY COMMUNICATION March 11, 2016

We have implemented 19 new DTCC feeds for a grand total of 30 DTCC feeds that support our 23 Broker Dealers (BDs). We have 3 new BDs and plan to implement over 20 additional DTCC requested feeds. There is a tremendous desire from BDs to receive DTCC feeds, especially position feeds that provide information that can be included on client statements.

We have new BD relationships, new marketing and product approvals, and more approvals for AppAssist, GetMore, and eDelivery within the BDs. We are continuing our discussions to gain more approvals for Quotes Done Right making the sale of life insurance easier and more accessible.

WHAT'S NEW?

1. New IGA agreements: We have seven new agreements since our last update, totalling 16 national agreements and 42 regional agreements for a grand total of 58. Morgan Stanley and the AIG Advisor Group (Sagepoint, Woodbury, FSC, Royal Alliance) are some of our newer agreements.

2. New marketing material approvals: Benjamin F. Edwards, Janney Montgomery Scott, Merrill Lynch, Oppenheimer, Raymond James, RBC, R.W. Baird, Stifel Nicolaus, UBS, and Union Banc have approved new marketing materials. We also have gained approvals from regional institutions to better support our BGA partners. Please find a chart of these national approvals here.

3. New process approvals and support: Benjamin F. Edwards, Oppenheimer, Raymond James and RBC have approved AppAssist, GetMore and eDelivery.

UBS and R.W. Baird have approved AppAssist without eSignature. Stifel Nicolaus has approved AppAssist without eSignature and the Get More program. We are working with Raymond James, Benjamin F. Edwards, Oppenheimer, Merrill Lynch and RBC for Quotes Done Right approvals.

4. New and continued DTCC support: We have implemented DTCC feeds with UBS and Raymond James for POV and commissions with money settlement; Merrill Lynch and Morgan Stanley for POV, commissions with money settlement, FAR and L&A feeds. We have implemented POV feeds with 19 new BDs and plan to implement 15 COM, 13 FAR and 7 L&A DTCC feeds later this year. Note: Commissions with money settlement are paid daily. FAR and L&A feeds that place daily. POV feeds take place weekly.

5. Updated financial institution (FI) microsite: The microsite contains all of our marketing materials, including sales ideas like "Minimize Estate Tax" and "Cross Purchase Buy/Sell" - all organized in one place. The microsite doesn’t need a password and is tablet and smart phone friendly.

6. Webinar program: These webinars provide an overview of LGA and our BD with a specific focus on products, marketing and processes that are approved within each BD. We have completed several BD/BGA partner webinars recently, with more to come!

OUR COMMITMENT TO BGA DISTRIBUTION. You are our sales distribution channel. Our commitment is reflected in everything we do and the FI value proposition is no different. We have structured our financial institution contracts and processes to ensure that a BGA is involved in every sale.

PRODUCT APPROVALS AND COMPENSATION. Product Approvals

Benjamin F. Edwards, Janney Montgomery Scott, Oppenheimer, Raymond James, RBC, R.W. Baird and UnionBanc have approved all LGA products. Merrill Lynch, Stifel Nicolaus and UBS have approved all products except A-LIST Term. Morgan Stanley has approved all products except Life Step and A-LIST.

Compensation

We support level compensation plans across all products. Find the schedule for approved firms here and on partner.lgamerica.com. Go to Marketing & Resources>Marketing Materials>Financial Institution>On Boarding. OPTerm 25 schedules are the same as OPTerm 20 and 30.

THE ADVANTAGES OF THE IGA AGREEMENTS. There is one for Banner, one for William Penn. The five page agreements are identical,

and accomplish several things:

The agreement includes, by reference, a commission schedule that “level loads” the institution’s compensation. No matter which BGA (once approved by the institution) submits a case on behalf of the institution, the compensation for the national account (institution) is the same. Compensation percentages for each of LGA’s products are also generally the same; this minimizes advisor conflict on the recommendation of an appropriate product.

By signing the agreement, the institution warrants that all background checks, AML training, and other due diligence on its registered representatives or employees have been done. This simplifies the appointment of an advisor. It’s a process that calls for just a few key pieces of information and the advisor appointment does not require a signature. (ie., Appointments completed withing 24-48 hours vs. 10-12 days)

The agreement says that LGA will follow the guidelines of the institution with respect to approval of LGA’s products and marketing materials. This due diligence is our responsibility. Each firm will have its own list of approved BGAs, approved LGA products and approved LGA marketing pieces.

The agreement begins a streamlined BD appointment process, leveling the compensation, providing access to AppAssist, eDelivery, DTCC feeds and the eEverything LGA offers. It begins the relationship that connects your agency with sales and marketing, InTOUCH underwriting, and the full support of LGA.

We will maintain a record of contracted firms and their respective compensation schedules, approved products and approved marketing materials. These reference tools will be updated as approvals evolve and you’ll have access to them on partner.lgamerica.com. Go to Marketing & Resources>Marketing Materials>Marketing Materials>Financial Institution.

IF YOU ALREADY HAVE AN INSTITUTIONAL RELATIONSHIP:

Wondering what firms have already been approved? Find the list on our website partner.lgamerica.com. Go to Marketing & Resources>Marketing Materials>Marketing Materials>Financial Institution.

Once your agency has been approved by an institution, it’s simple to appoint advisors from that firm. Use the simplified BK23 form (BK23WP for William Penn).

If the institution is not already in your hierarchy, we’ll know to add it if you write “pending” in the agency number field of the BK23 form.

The BK23 form correlates advisor names, cases, and firms and is the only way to assure that proper compensation is paid. The BK23 forms cannot be used for traditional broker appointments.

IF THE INSTITUTION HAS NOT YET BET CONTRACTED UNDER OUR NEW IGA AGREEMENT, EVEN IF IT MAY HAVE BEEN UNDER A PRIOR AGREEMENT:

Our IGA agreements for both Banner and William Penn must be signed by a principal of the institution. You can initiate the process to solicit this signature on the IGA agreement or ask us to do so. Just send the contact information to your segment leader or marketing coordinator.

An Institutional Appointment form BK24 (BK24WP for William Penn) must be completed by the institution principal responsible for compensation payments.

After the IGA agreements and BK24s are completed and signed and the compensation level defined, you will only need to submit a BK23 to appoint an advisor.

Please use our Agreements are Easy flyer to help explain the advantages of the IGA agreements to BDs, their advisors, etc.

All agreement and appointment forms can be found on our On-Boarding microsite and on partner.lgamerica.com. Go to Marketing Materials>Financial Institution>OnBoarding.

ON-BOARDING MICROSITE. Everything you need to on-board a new institution can be found here: agreements, firm and advisor appointment forms and information on LGA’s strengths, products and underwriting.

MARKETING MATERIAL APPROVAL. We have over 500 marketing approvals with the 58 BD relationships. Find the list of approved and customizable pieces by firm here and on partner.lgamerica.com. Go to Marketing & Resources>Marketing Materials>Financial Institution.

MARKETING MATERIALS. Our marketing materials are one page. Each provides a profile of the potential client, the

need, an insurance solution and benefits from the client and advisor perspective. Some pieces are currently available on our Institutional Insider microsite and on partner.lgamerica.com:

• Client Review: Helps reassess client's current coverage against immediate and long-term financial goals to determine if the insurance meet protection needs

• Cross Purchase Buy / Sell Arrangements: Business partners setting up an exit strategy

• Key Person Insurance / The Irreplaceable: Protect the business from a key employee loss

• Reasons to Sell Life Insurance: Outlines ten reasons advisors should incorporate life insurance into their practice

• Forget Simplified Issue / Save Money with Drop Ticket: How you can save clients approximately 50% (or purchase 100%+ more life insurance for the same premium) in exchange for 15 minutes of the advisor’s time, one hour of the client’s time and the underwriting process

• Reasons to Quote LGA: Outlines LGA’s product, underwriting, and service niches plus sales ideas

• A-LIST / Executive Benefit Sale: Competitively priced portable group life insurance replacement

• Numbers Tell Our Story / Reasons to Sell LGA: Highlights facts about our company

• Required Minimum Distributions and Insurance (RMDIs): The use of required minimum distributions to purchase life insurance to help with wealth transfer

• IRA Stretch: The passing of the IRA through the use of life insurance to pay for the inheritance tax on passing the asset to a grandchild

• Minimize Estate Taxes: Use Annuity to Max Advantage: The use of annuity or pension to purchase universal life insurance

• LGA Express: This one pager flyer outlines our company and FI platform

INSTITUTIONAL INSIDER MICROSITE. Watch the video about it and find the microsite here www.LGAmerica.com/FI.

The microsite does not require a password and is tablet and smart phone friendly. It is divided into sections that make finding the information easy. Plus we leverage materials from the LifeHappens.org for both consumer and rep education within the site. Please post the link on your agency website today. The microsite includes:

• Consumer Materials - Reasons to buy, education and tools, and planning

• Sales Ideas - Reasons to sell, demographic concepts, and protection

• Advanced Concepts - Wealth transfer, wealth management, and business planning

• Sales Training - Materials, education and tools

• Products and Underwriting Differentiators - underwriting and products

INSTITUTIONAL SALES REPORTS. We have the ability to track sales results by IMO and agency for business written through IGA agreements (and BK24, BK23 appointment forms). Talk to your segment leader or marketing coordinator for updates for your organization; better reporting is one more reason to move to the new agreement and appointment forms.

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Have a question? Please contact a member of our sales staff at 800.638.8428, press 1 followed by 3 then 1. 16-046E

www.LGAmerica.com

800.638.8428

marketing@LGAmerica.com

EVERY DAY MATTERS.

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