Foresters Financial Partners

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Foresters Financial Partners

• Taking Your Practice From Success To Significance

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• We are a national network of Independent
  Marketing Organizations dedicated to helping
  agents grow their business through unique sales
  strategies and turnkey business development
  support

3

• Training at FFP is grounded in a web-delivery
  platform, pod casts, national and local seminars
  and our annual Sales Symposium focused on
  increasing income for our producers.

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• We also offer you Preferred Wholesaler
  Relationships with sleeve to sleeve sales
  support, advanced markets support to close the
  most challenging cases, Top Contracts with Top
  Rated Carriers and competitive compensation
  incentives and deeply discounted EO Coverage.

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Core Life Company Partners

• Foresters- Life and Annuities
• Foresters Equity Services Corp (FESCO)
• American National Life Insurance Co. (ANICO)-
  Life and Annuities
• Life of the Southwest- Life and Annuities
• United Home Life- Life and Annuities
• Assurity- Life, Annuity, and DI

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Core Long Term Care Partners (NWP - 3rd party)

• John Hancock - LTC
• MetLife - LTC
• Genworth - LTC

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• FFP offers access to proprietary marketing
  systems targeting specific markets like, small
  business pension program, college funding,
  mortgage protection, pension max, and military
  market.

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• We offer various lead programs which include, an
  internet based life lead system, a mortgage lead
  program, a client lead program exclusive to our
  Platinum producers, and a Exclusive college
  scholarship marketing and lead system.

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• We also offer tools to run your business like
  FFP Client Builder to manage your client
  relationships with training and support for you
  and your staff, Kettlys Backroom Technician and
  a list of other products available to FFPs
  Producers.

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Unique Benefits for Members include

• Critical Illness
• Terminal Illness
• Comprehensive Scholarships
• Orphan Scholarships
• Young Family Benefits

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Foresters Life Products

• Life Is Good

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Foresters Financial Strength

• More than 5.9 billion in assets
• Over 19.5 billion of life insurance in-force
• 1.2 billion in surplus
• Solid capital to grow our capabilities and write
  new business
• Rated A excellent from A.M. Best
• Structured so that cannot be acquired by another
  insurer

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We are a Fraternal Benefit Society

• How are Fraternal Benefit Societies different
  from other life insurance companies?
• We are a 130 year old membership organization
• Our customers are our members and apply for
  membership in the application
• Organized in a lodge system of branches (more
  than 200 across the US)
• Share a common bond
• Non denominational
• Not subject to tax but Foresters is expected
  to spend the equivalent for the benefit of
  members and their communities

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Foresters Member Benefits

• Critical Illness
• Terminal Illness
• Competitive Scholarships
• Orphan Scholarships
• Young Family

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Foresters Member Benefits
Putting some dollar values to the Member
Benefits Assuming 2 parents with 3 children
(ages 1, 3 5) were to die today Foresters would
pay the death benefit and so would everyone else,
but..

• Foresters would provide 72,000 for scholarships
  for the 3 children(4 years at 6,000 to each
  child)
• Plus pay an additional 162,000 in young family
  member benefits forthe care of the children
  (300/month until each child turns 18)
• Plus pay an additional 24,000 in competitive
  scholarships (2,000 per year for 4 years to each
  child)

• That is an additional 258,000 of benefits just
  for being a Foresters member!

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Products

• Term Life
• Strong Foundation
• Whole Life
• Advantage
• Universal Life
• Passport
• Foresters Annuities
• Secured Classic
• Secured Plus

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American National Insurance Company

• ANICO
• 1-888-501-4043
• Field Support
• Center
• 
  
  

Partners For Life Safe and Secure through
Financial Strength
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American National Insurance Group of Companies

• American National Insurance Co.
• American National Insurance Company of Texas
  (Specific Market Products)
• Garden State Life Insurance Company (Mail Order
  Direct Writer)
• Standard Life Accident Insurance Company
  (Health)
• American National Companies de Serguros de Vida,
  S.A.DE C.V. (Mexico)
• American National Property Casualty Company
• Farm Family Holdings, Inc. (New York)
• Securities Mgmt Research, Inc. (Broker Dealer)

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A Quality Competitive Company Offers

• Strong Financials
• Excellent Ratings
• Competitive Products
• Diversified Product Portfolio
• Field Friendly Service
• Excellent Compensation
• Good Open Communications
• Consumer Friendly Products
• Safe Secure
  Through Financial Strength

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ANICO Financials

• A (Superior) by A.M. Best
• AA by Standard Poors
• Comdex Rating of 96
• NASDAQ ANAT (Symbol)
• Over 19 Billion in Assets
• Over 3 Billion in Surplus
• Safe Secure Through Financial Strength

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ANICO Vision

• To continuously improve support for the
  distribution channels is critical. IMG will
  continue to build distribution by further
  improving customer service and its relationships
  with the members of its distribution.

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Products

• Life Annuities
  Indexed Annuities
• Universal MYG
  EIA
• Term Citadel Diamond 5
  Value Lock 10
• Whole Life Citadel Diamond 7
  Value Lock 7
• SPIA
  ANICO Strategy Indexed
  Annuity 7
• Palladium
  Century Bonus ANICO Strategy Indexed Annuity
  10
• Variable Pension Group Annuity
• UL
  Commissions
• Annuities Specialty / Niche
  Heaped
• Fed / Postal
  Trailers
• 457
• Payroll
  Deduction
• Simplified
  Issue
• Simply Life
• Small Business
  Pension

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Fixed Life Products

• Universal Life (LTGUL)
• Term (ANICO Select
  Term ROP)
• Whole
  Life (Affinity 7)

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AMERICAN NATIONAL INSURANCE ANNOUNCES

• NEW
• LONG-TERM GUARANTEE UNIVERSAL LIFE

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ANICOLTG Universal Life (Lifetime Guarantee)

• Issue Ages 18 85
• Minimum Face 100,000
• Premium Band 100,000 - 249,999
• 
  250,000 - 499,999
• 
  500,000 - 999,999
• 
  1,000,000 and over
• Underwriting Classes 6
• 4
  Non-Nicotine
• 2
  Nicotine User
• Sub Standard Table 1 16 and
  Flat Extras
• Dont table-shave. Competitive Table 4 and
  above
• Pay commissions on Flat Extras over 5 years

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LTG Universal Life

• Guaranteed Interest Rate 3
• Death Benefit Option Option A
  Specified Amount Only
• Safety Net Guarantee 10 Years
  for all issue ages
• Coverage Continuation Lifetime
  Guarantee as long as there
• Benefit
  is positive coverage continuation value.
• Surrender Charge Period 15 Years
• Policy Loans Zero
  Net Interest Loan after 7 years
• Riders
  Waiver of premium accelerated death benefit
• Maturity
  Never No premium after 100th Birthday

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• ANICO LTGUL
• COMPETITIVE POSITIONING?
• Highly Competitive, Frequently 1
• All Risk Classes
• All Ages
• On a Level Premium to Age 100 basis
• Face amounts - 500K
• Marginally Competitive
• Short / Limited Pay scenarios
• Single Premiums
• 1035 Exchanges
• Face amounts - 100K to 350K

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Our new Guaranteed ULMale, Age 35, Preferred
Non-Tobacco, 350,000
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Our new Guaranteed ULMale, Age 55, Preferred
Non-Tobacco, 500,000
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Our new Guaranteed ULMale, Age 55, Standard
Non-Tobacco, 500,000
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Our new Guaranteed ULMale, Age 75, Standard
Non-Tobacco, 1,000,000
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Our new Guaranteed ULMale, Age 65, Preferred
PLUS, 1,000,000
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Our new Guaranteed ULMale, Age 63, Preferred
Tobacco, 1,500,000
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Our new Guaranteed ULMale, Age 83, Standard
Non-Tobacco, 1,000,000
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Case Sample

• 41 year old male private pilot, flew 50 hours per
  year and has 16 years of experience with over 200
  hours of solo experience. He was not IFR rated.
• Offer Preferred
• IFR Instrument Flight Rating
• VFR Visual Flight Rating

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Case Samples

• Male age 47, 55, 328 lbs, and BP readings on
  last exam were 150/105, 163/116, 164/112
• Offer Table 16
• BP Blood Pressure

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Case Sample

• 72 yr old male. Smoker up until 2003 with some
  degree of COPD but not on meds. Significant
  sleep apnea and completely non-compliant CPAP.
  Currently on Plavix for questionable TIA, and
  Lexapro for depression. Had abnormal stress
  ECHO. On a subsequent appointment did a cardiac
  cath which was fairly normal. Small concern about
  early dementia.
• Offer Table 8
• COPD Chronic Obstructive Pulmonary Disease
  (lung disease)
• CPAP Continuous Positive Airway (Machine
  associated w/Sleep Apnea
• TIA Transient Ischemic Attack Mini Stroke
• ECHO Echocardiogram (Listening for murmurs)

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Case Sample

• 37 yr old male. 6, 239 lbs. Diagnosed with
  obstructive sleep apnea, uses oral device. On
  1/3/05 client had EBCT scan of coronary arteries.
  Calcium score was zero. On 6/5/05 client had an
  episode of atrial fibrillation with rapid
  ventricular response. Went to ER and was
  converted to sinus rhythm with Rx. Prescribed
  Rhythmol. On 6/8/05 ECHO showed LVEF 40-45,
  LVH, Aortic Root 37mm.
• Offer Table 4
• EBCT Echocradiograph CAT Scan (visual as well
  as sound)
• ER Emergency Room
• RX Prescription/Treatment
• LVEF Left Ventricle Ejection Fraction of the
  Heart (Pumps blood to the whole body want to
  see above no less than 40
• LVH Left Ventricle of the heart

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NEW ANICO SELECT TERMwithRETURN OF
PREMIUM RIDER

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ANICO Select Termwith ROP

• 10, 15, 20, and 30 Year Level Term
• ROP available on 15, 20 and 30 year only
• Issued ages 20-70 (max issue age 50 for 30 Yr.)
• Minimum Face Amount 100,000
• Renewable to age 95
• Conversion available to the end of the level
  premium
• period but not beyond age 65.
• 4 Rate Bands
• Policy Fee is 60.00
• Underwriting Classes
• 4 Non Nicotine
• 2 Nicotine User
• Substandard Tables 1 - 8

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AVAILABLE AS RIDER

• ADD TO WHOLE LIFE CONTRACT ONLY
• 10,15,20 and 30 year Level Select Term
• MAXIMUM
• 4X THE BASE POLICY
• ROP NOT AVAILABLE WHEN ANICO SELECT TERM ADDED AS
  A RIDER.

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COMPETITIVE RETURN OF PREMIUM RIDE

• ROP TERM
• THE DONTUSEIT,
• DONT-LOSE-IT OPTION
• WE ARE THE COMPETITION!!!!

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COMPETITIVE RATES

• 15 year ROP Term
• Male Age 45 500,000
• ANICO 1,890
• ING 2,070
• AIG 2,070
• LINCOLN BENEFIT 2,150
• LINCOLN NATIONAL 2,445
• GENWORTH 2,574
• WE ARE THE COMPETITION!!!!

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COMPETITIVE RATES

• 20 year ROP Term
• Male - Age 50 500,000
• AIG
  2,535
• ANICO 2,590
• GENWORTH 2,664
• AXA EQUITABLE 2,715
• LINCOLN BENEFIT 2,715
• LINCOLN NATIONAL 2,950
• WE ARE THE COMPETITION!!!!!

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COMPETITIVE RATES

• 30 year ROP Term
• Male Age 50
  1,000,000
• ANICO 5,290
• OLD MUTUAL 5,320
• GENWORTH 5,564
• JEFFERSON PILOT 5,566
• AIG
  5,630
• ING
  5,630
• WE ARE THE COMPETITION!!!!

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Excellent Fixed Annuity Products We are the
Competition

• Palladium Multi-Year Guarantee Series
• Palladium Single Premium Immediate Annuity
• Diamond Series Citadel 5 7
• Century Series ( Bonus)
• SAFE SECURE-
  GUARANTEED

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Indexed Annuities

• Value Lock 10
• ANICO Strategy Index Annuity 10

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Pensions

• Small Business Pension Experts
  Safe Harbor Plans
• Defined Benefit Plans
  New Comparability
• 412i Defined Benefit Plans
  401 K Plans
• ANICO makes doing Pension
  Business easy our turn key
• small business Pension Marketing
  concept is 1 in the
• industry.
• We are the
  competition

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Questions?

• Contact John Rolandelli
• National Sales Manager
• Call 877-391-4627
• Email john.rolandelli_at_anico.com
• The Field Support Center at
• 888-501-4043, Option 1, Option 3
• www.img.anicoweb.com

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Welcome
Northwest Planning, Inc. Your Foresters Financial
Partners Long Term Care Insurance Service
Connector
6404 North Monroe, Spokane, WA 99208 (509)
324-8835 Fax [phone] Toll Free
[phone] www.northwestplanning.net
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Northwest Planning, Inc.Value Proposition

• Proven Experts in LTCI for the past 15 years
• We will Assist you with
• Case Design
• Pre-Underwriting
• Supplies
• Competitive Analysis
• Quotes - Same Day

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Northwest Planning, Inc.Value Proposition

• We will Assist you with
• Sales Support
• Sales Aids
• Seminars
• Direct Mail
• Marketing Companies
• Cross Selling Database

• Training
• Web Based
• Conference Calls
• Meetings

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Northwest Planning, Inc.Foresters Financial
PartnersService Team

• Pam Harrison, Case Design
• 10 Years in LTCI experience.
• Pam is an expert is Case Design and
  Pre-Underwriting.
• Kathye Gossett, Case Manager
• Processes Applications
• Tracks Underwriting Process
• Troubleshooting

• Todd Gossett, Marketing
• Quotes
• Bruce Longmeier, President
• Marketing Sales help
• Group Sales Specialist
• Everything Else