Levinson & Associates Turnkey Final Expense E-

Platform

Rated A- (Excellent) by A.M. Best

Dedicated New Business Teams

Paper or E-App Submission

Point-of-Sale Underwriting

Level, Graded & Modified Benefit Plan Designs

24 Hour Paperless Agent Appointments

State-of-the-Art Agent Management Tool

Legacy Select Value Propositions

No Channel/Recruiting Conflict

Commissions Paid Daily

Clean Cases Issued and Paid in 24 hours

Agent/Management Incentive Trip

Select Agent Program

Flexible Premium Payment Options

Lead Program- See Upline for details

Legacy Select Value Propositions

Contract Integrity

Product Information

Legacy Select Product Overview

• Minimum Issue Face Amount is $2,500• Maximum Issue Face Amounts

– Level• 50-80 $50,000• 81-85 $15,000

– Graded• 50-80 $20,000

– Modified• 50-80 $15,000

Legacy Select Product Overview

• Level Benefit– Death Benefit is 100% of Face Amount Issued– Accelerated Death Benefit Endorsement

• Embedded in the policy and included in rates. Available on Level Benefit Only

• 50% Face Paid upon diagnosis of Condition with expected death within 12 months. Balance paid at Death

– Optional Accidental Death Benefit Rider• Only available as option to Level Benefit Policy• Provides 2X Face amount for accidental death if chosen.• Available 50-65 and Terminates at Age 70• Only available at time of application

Legacy Select Product Overview

• Graded Benefit– 30% of Face Amount in 1st year– 70% of Face Amount at 1 year plus 1 day– 100% of Face Amount at 2 years plus 1 day and thereafter– 100% for Accidental Death Day 1

• Modified Benefit– First 2 policy years death benefit is premium paid plus 10%

interest on paid premium– 100% for Accidental Death from Day 1

Banking and Cancellation

Accepts Debit Card, Credit Card and ACH Initial and subsequent payments

– Drafts are on 3rd- 28th of month, Specific Date may be chosen on Application

– Credit and Debit Cards must choose 6th, 15th, 23rd, 28th– Must Draft within 30 Days of Premium Date– Monthly, Quarterly, Semi & Annually– No 1035 Exchange Funds

• Cancellation– Requests must be in writing– Refund Checks mailed in 5-7 business days

MNL Legacy Select Appointed States – As of 10/5/10

Commission Information

Do It The Right Way . . . Get Paid The Next Day!

Application Submitted Via E-

App or FAX

Received By New Business Team

Policy Issued & Mailed To Insured

Commission EFT Processed

9:00 a.m.

9:01 a.m.

1:00 p.m.

7:00 p.m.

Agent Commission Received By EFT

Following Day9:00 a.m.

1

2

3

4

5

*Timeline based on clean case submission

Commissions Paid FAST . . . & Daily!

Commission Advancing

Commissions and overrides are advanced nine (9) months. An agent and/or the up-line advance period may be reduced if poor “quality of business” issues persist.

Chargebacks are taken 100% on next advance. If there is no advance it then goes to back end commissions

Commissions and Override Advances

Commissions are paid by carrier.

Commission & Override Payments

Commissions and overrides are paid 1 of 2 ways: PAID ON PAID – Paid upon policy issuance and when

draft first premium payment.

PAID ON ISSUE (Select Agent Program) – Paid when the policy is issued but prior to receiving 1st premium payment. Policy draft dates may be post-dated a maximum of 30 days.

Note: To be Paid on Issue (Agent Select Program), an agent or up-line must:

1.) Demonstrate that they have met certain quality of business metrics with another FE carrier, or

2.) Wait sixty (60) days and meet the pre-determined quality of business metrics.

Commissions and Override Payments

Field Underwriting

Proper Field Underwriting Ensures Quality Production

– Agent is “Eyes & Ears” for Underwriters. It is imperative that quality business is submitted at all times as this effects agent’s commission status

– Pay special attention to the Prescription Drug List inc. “Rx Fill Within” and “Benefit Eligibility”

* $275 per 1000 mailed (final expense leads).

You select your demographics . . . Age, gender, income level, etc.

All states, counties, cities, zips available.

4 day turnaround from order to drop.

Leads delivered to you via paper or electronically.

Jump Start Lead Program

* $275 is a temporary, introductory price and is subject to change.

Paper Submission

All Paper Applications are ‘Kitted’ to include all necessary docs per state

• Prior to submitting completed application– Use Completed ‘Faxed App’ Coversheet.– Then, 1st page of application followed by

remainder in sequential order.– Lastly, any ‘Supplemental” forms that may be

required by state.– Be sure to get “Reference ID Number” from

Apptical and enter on app prior to submission

Electronic Submission Methods

Electronic Submission Method #1‘Applications/E-App Online’

This is a fully functional electronic applicationComplete all questions

The E-App will not allow you to advance if you are missing any info and will highlight errors

Apptical- Point of Sale Interview

Regardless of submission method a 10 minute POS Interview must be completed

prior to submission at time of application.M-F 8:30 AM-Midnight

Sat & Sun 10:00 AM-4:00 PMApplications may ONLY be taken during these

hours.

Apptical- Point of Sale Interview

• Must be performed at time of application• Writing Agent must be present for the Interview

– For Phone Sales, 3 Way call is acceptable• Upon calling in

– give• Telephone number Agent is calling from• Company Name – • Agent Name-• Product-• Agent’s Writing Number-

Apptical- Point of Sale Interview

• ‘Reference ID Number’ will be verified– Client will be told call is being recorded– Application questions will be reviewed– MIB and Rx History check will be done during the

interview

This process will take less than 10 minutes

Apptical- Point of Sales Interview

You will know the status of your application at end of the interview!

There are 5 decisions that you will be givenAccepted - Level

Accepted - GradedAccepted – Modified

Additional Underwriting Info NeededDoes Not Qualify*

*If ‘Does Not Qualify’ you must still submit application

Contracting With MNL

All agent contracting and appointments are done through your uplines private web-portal. The entire agent appointment process is paperless and completed via E-signature.

pays all resident and non-resident appointment fees.

Unbelievably Easy . . .

will provide Agent Writing Number within 24-48 hours of completion of electronic application. Agent will also be provided with ID and Temp Password for Link at this time.

Call today to get started!Bill Levinson-Vice President bill@carylevinson.com

5551 N. University Drive Ste 201 Coral Springs, FL 33067Ph. (954) 746-9531 Fax.(954) 746-9535 Toll Free (800) 375-2279

www.carylevinson.comwww.insprofessional.com