Foresters Financial Partners Desktop Sales Maker Series

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Foresters Financial PartnersDesktop Sales Maker
Series   

• Host Ed Ledford, CLU, RFC
• VP- Business Development - FFP
• Guest Deb Hagedorn Jon Fortune
• Transamerica Family Markets

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The future looks bright!
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Agenda

• AEGON and Transamerica Family Markets
• Our Process
• Our Products
• Q A

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Agenda

• AEGON and Transamerica Family Markets
• Our Process
• Our Products
• Q A

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Family Market
We have experience in the family market. We
have a commitment to stay in the family
market We have products that can grow with your
clients We have policy provisions that have your
clients best interest in mind. We have your
best interest in mind. We pay your commissions
daily (EFT) We have simple applications that can
be faxed We have 100 jet issue voucher on
qualifying applications We have non-med
underwriting
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New Business
Transamerica Life staff is committed to providing
the highest level of service in the
industry. - Applications received by 3 p.m.
are keyed the same day. - Jets and place-able
cases are processed or issued within 24 hours
of underwriting approval. -
Cases that have outstanding delivery requirements
are processed within 48 hours of
underwriting approval. - Application kits!

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New Business
Service Level Standards - Personally answer
phone calls within the first 30-40 seconds. -
New Business responds or forwards all voice and
email messages received by 3 p.m., the
same workday they are received. New Business
Contact Info Call Center 877-454-4768 Fax
800-535-1325 Newbusinesscallcenter_at_aegonusa.com
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Underwriting Service Levels
Initial Reviews - Non-medically cases less
than 100,001 based on age will be reviewed with
in 24 hours - All other medically underwritten
apps will be reviewed within 48 hours - All
final Underwriting requirements will be reviewed
within 48 hours - Voice mails will be returned
by the end of each business day if received
before 300 p.m. ct - Underwriting will review
PHIs within 48 hours
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Underwriting- PHIs
Phis are requested for the following reasons -
Incomplete applications - Obtain details of
medical conditions - Avoid the need to order
APSs - Physician information needed -
Application information inconsistent with MIB
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Field Underwriting Guide

• How to use
• Example (diabetes)
• Chart (page 12)
• Preferred rates
• Questionnaires

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www.agentnetinfo.com
Track business Communicate direct! Easy
Management reports Download software Print
forms Order supplies
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Products Available
Term Ultima Elite Term II Ultima Elite Term II
with ROP Home Protector Elite
Universal Life Ultima Accumulation UL Ultima
Lifetime UL Ultima 500 IUL
Accidental Death Ultima Acci-Protector
Riders Critical Illness Disability Income
Child Benefit More
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Home Protector Elite Simplified issue mortgage
term life insurance product
Term life insurance with full period premium
guarantees. Available premium periods are 15,
20, 25 and 30 years Face amounts range from
25,000 to 250,000 non-medical underwriting No
proof of mortgage needed ! Unisex rates
Reduced paid up option and loan capabilities
Policy Form Number TL07 0107 (unisex rates)
Policy form and number may vary and may not be
available in all jurisdictions.
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Ultima Elite Term II Term II with ROP
Minimum Face 25,000 for all ages Minimum
Monthly Premium 10 Term Periods
Available Non Tobacco Tobacco 10 Year -
Issue ages 18 80 18 - 80 15 Year - Issue
ages 18 75 18 - 70 20 Year - Issue ages
18 65 (60 w/ROP) 18 - 65 (60 w/ROP) 30
Year - Issue ages 18 50 (45 w/ROP) 18 - 45
(45 w/ROP) Premium Rate Bands
Available 25,000 - 100,000 100,001 -
249,999 250,000 and up Not available with
ROP
Policy Form Number TL03 1005 Policy form and
number may vary and may not be available in all
jurisdictions.
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Additional Term ROP features
Full ROPincludes rider premiums Available on
sub-standard cases (amount of return will be
based on the standard premium) Policy loans
(values are not available until the 6th policy
year.) Automatic premium loans are available
against the policy value. Fully Commissionable
Policy Fees Reduced Paid-up option available
and illustrated! The ROP benefit may be used to
purchase continued coverage as a paid- up
endowment at age 95. The face amount will be
determined based on the net single premium rate
for the insureds attained age at the time of
the election. Ultima Elite Term II (not Home
Protector Elite)
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Critical Illness Rider

• For use with the Elite Term II Products
• Available in most states today
• CI Accelerated benefit and is available on all
  underwriting classes, including rated insureds
  (up to an additional 50 rating on rider).
• Minimum Benefit 10,000
• Maximum Benefit 50 of base policy face amount,
  but must be 100,000 or less.
• Issue Ages
• 18 55 for 10, 15, 20 Year Term / All
  Classes
• 18 50 for 30 Year Term / All Non-Tobacco
  Classes
• 10 45 for 30 Year Term / All Tobacco Classes

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Critical Illness Rider
Covered Conditions - Heart Attack - Life
Threatening Cancer - Stroke - Renal Failure -
Major Organ Transplant - Paralysis
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Critical Illness Rider, cont.
Best of all EXTREMELY COMPETITIVE RATES!!!!
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Get the most value out of your premium
dollars! 35 Female, 250,000, Preferred Elite, 20
Year Level Term with ROP Base
Policy 29.31 Waiver of Premium
9.04 Disability Income Rider 33.35 (1,000 per
month) Childrens Term Rider 19.03 (15,000
coverage also convertible) Critical Illness
Rider 8.10(25,000 acceleration of death
benefit) TOTAL monthly premium 98.83
Amount of premiums returned at age 55 23,719
Reduced paid up benefit at age 55 82,072.66
Benefits can also be affected by benefits paid
out through other riders.
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35 Male, 250,000, Preferred Elite, 20 Year Level
Term with ROP Base Policy 34.78 Waiver of
Premium 9.97 Disability Income Rider 24.53
(1,000 per month) Critical Illness Rider
7.73 (25,000 acceleration of death
benefit) TOTAL monthly premium 77.01
Amount of premiums returned at age 55 18,482
Reduced paid up benefit at age 55 56,222.43
Benefits can also be affected by benefits paid
out through other riders.
Total cost _at_ Preferred Elite 175.84 per
month. Total cost _at_ Standard 244.52 per
month ROI for ROP benefit v No benefit 4.5
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Reduced Paid-Up

12,232
37,209
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Ultima Elite Term II Client Brochure

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Acci-Protector
Accidental Death and Dismemberment
Policy Built-in return of premium benefit
rider Short, simple application that does not
require you to witness the signature. (Can be
sold in person, via mail or telephone.) One
set of rates for male, female, tobacco or
non-tobacco Liberal height/weight
guidelines 48 hour jet issue 100 guarantee
Policy Form Number AD01 1004, AIR 01 1004, WPR 01
1004. Policy form and number may vary and may
not be available in all jurisdictions.
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Review the illustration software
COSS IRIS 3.742 VERY EASY TO USE!
Illustration Basics Ultima Term II ROP and
Home Protector Elite ROP value and the benefits
of the reduced paid up option. Band premium
comparisons Quickly run rates!
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Convention Dates March 19th 22nd,
2009 Qualification Period 12/21/07 -
12/18/08 Placed Qualifications MGAs -
250,000 life premium Agents - 50,000 life
premium 40,000 life premium Family
Friendly Convention Minimum of 10 life
applications
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Convention Dates March 19th 22nd,
2009 Qualification Period 12/26/06 -
12/20/07 Placed Qualifications MGAs - 250,000
life premium Agents - 50,000 life
premium Family Friendly Convention Minimum of
10 life applications
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Great Service and Agent Friendly!
With our agent friendly processes you will not
have to spend as much back office time managing
business with us. Your agents can Have
direct contact via phone or email with our all
departments Fax their applications directly to
usno originals necessary Easily track their
pending business online. We help the MGAs by
Staying on top of debit balances. Assisting
with illustration and product questions We have
a sales training class available Tools for
MGAs to track all aspects of their down line
business. Great Midwestern Service!
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Thank You from your Home Office Team!
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Deb Hagedorn dhagedorn_at_aegonusa.com 877-454-4768
x8704 Jon Fortune jfortune_at_aegonusa.com 877-454
-4768 x6119
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Foresters Financial PartnersDesktop Sales Maker
Series  

• Q As
• Thank You for Participating