Foresters Financial Partners Desktop Sales Maker Series

1
Foresters Financial PartnersDesktop Sales Maker
Series   

• Host Ed Ledford, CLU, RFC
• VP of Business Development - FFP
• Guest John Rolandelli
• National Sales Manager
• American National Insurance
  Co.

2
American National Insurance Group of Companies

• American National Insurance Company
• American National Insurance Co. of Texas
• Garden State Life
• Standard Life Accident
• American National Property Casualty
• Farm Family Holdings, Inc.
• Securities Mgmt. Research, Inc.

3
A Quality Competitive Company Offers

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

4
ANICO Financials

• A (Superior) by A.M. Best
• AA by Standard Poors
• Comdex Rating of 95
• NASDAQ ANAT (Symbol)
• Over 19 Billion in Assets
• Over 3 Billion in Surplus
• Safe and Secure Through Financial Strength

5
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.

6
Products

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

7
Fixed Life Products

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

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NEW

• ANICO
• Executive Universal Life
• with
• Multiple Rider Options

9
Executive UL

• Minimum Face
• 25,000
• Issue Ages
• 0-85
• Underwriting Classes
• Juveniles
• 0-15 Standard
• 1617 Standard S N/S

10
Executive UL

• Underwriting Classes
• Adults
• Bands A B Standard S N/S
• Bands C, D and E (6 Classes)
• Sub-Standard
• Juveniles - None

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Executive UL

• Premium Bands
• A) 25,000 - 49,000
• B) 50,000 - 99,999
• C) 100,000 - 499,999
• D) 500,000 - 999,999
• E) 1,000,000 and over

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Executive UL

• Guaranteed Interest
• 3
• Death Benefit Option
• Option A Specified Only
• Option B Specified CV
• Option C Specified ROP
• Safety Net Guarantee
• 10 Years

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Executive UL

• Sub-Standard
• Adults Bands A B
• Tables 1-4 Standard
• Tables 5-16 Flat Extras
• Adults Bands C, D E
• Tables 1-16 Flat Extras

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Executive UL

• RIDERS
• Coverage Continuation (No Lapse)
• Other Insured
• Level Term
• Spouse Level Term
• Childrens Term
• Disability Waiver of Stipulated Premium
• Disability Waiver of Minimum Premium
• Guaranteed Insurance Option
• Accelerated Death Benefit

15
Executive ULUnderwriting Solutions

• Retention
• 700K to age 85 through table 16.
• Auto-Bind
• 20 Million to age 85 through table 16.
• Jumbo Limit
• 50 Million in-force and applied for.
• Medical Evidence
• Generally good for up to 180 days.

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Underwriting SolutionsANICO for Life

• Guidelines
• Cholesterol
• Preferred 225 ratio lt 4.5
• Preferred 250 ratio lt 5.0
• Standard 275 ratio lt 5.5
• Standard 300 ratio lt 7.0

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Underwriting SolutionsANICO for Life

• Guidelines
• Blood Pressure
• Preferred lt60 135/80 61 140/85 (no RX)
• Preferred lt60 140/85 61 145/90 (RX/UN)
• Standard lt60 145/90 61 155/90 (RX/UN)
• standard lt60 150/90 61 155/95 (RX/UN)

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Executive UL

• Higher Death Benefits
• Higher Commissionable Premiums
• Higher Cash Values
• Higher Income _at_ 65
• Competitive Annual Premiums
• 24 Month Rolling Target Premiums
• Search and Solve for a Specific Solution

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Executive UL1,000,000 Comparison

• Standard Smoker Age 45
• Phoenix Accumulator 12,741
• ANICO Exec UL 13,409
• Protective ProValue 13,899
• MetLife Universal Adv. 15,119
• Prudential Prulife UL 15,346

20
Executive UL1,000,000 Comparison

• Standard Smoker Age 35
• ANICO Exec UL 8105
• Phoenix Accumulator 8153
• Protective ProValue 8200
• West Coast Lifetime Adv. 8763
• Prudential Prulife 9054

21
Executive UL

• Current Assumption UL
• Solid Cash Value Accumulation
• Flexible Premiums (All Solves)
• Guaranteed Lifetime Benefit (No Lapse)
• Over Loan Protection Benefit
• New Death Benefit Option C ( ROP Specified)
• Matures at Age 121
• 2 Year Rolling Target Premium

22
Executive UL

• Overview
• Everyone asks where the Sweet Spot is?
• Generally, this is a cash value accumulation
  product designed to appeal to the 35-55 age
  group. It has a wide variety of search and solve
  capabilities which makes it adaptable in limited
  and short pay situations.
• Executive UL will also work well in Premium
  Finance also.

23
ANICO LTGUL

• LTGUL
• Very Competitive/Industry Leading
• Life Time Guarantee
• Universal Life

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LTGUL Sweet Spot

• Overview
• The LTGUL ia designed to provide the most amount
  of coverage for the least amount of premium on a
  continuing premium paying basis. It is NOT
  Competitive in Rollovers, 1035s, CV
  accumulation, Income _at_ 65, short Pays etc.
• The primary age group the LTGUL is most
  competitive is ages 40-65. It is very competitive
  over age 70 on a substandard basis to table 16
  and premium finance cases.

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LTGUL Sweet Spot

• Ranking among 15 Leading Companies
• 500,000 Male, Preferred Plus N/S
• Age 35 3
• Age 40 1
• Age 45 1
• Age 50 1
• Age 55 1

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LTGUL Sweet Spot

• Ranking among 15 Leading Companies
• 1,000,000 Male, Preferred Plus N/S
• Age 35 3
• Age 40 1
• Age 45 1
• Age 50 1
• Age 55 1

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Our Guaranteed ULMale, Age 50, Preferred Plus
Non-Tobacco, 1,000,000
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Our Guaranteed ULMale, Age 55, Preferred
Non-Tobacco, 1,000,000
29
Our Guaranteed ULMale, Age 55, Standard
Non-Tobacco, 1,000,000
30
Our Guaranteed ULMale, Age 60, Preferred
Non-Tobacco, 1,000,000
31
Our Guaranteed ULMale, Age 65, Preferred PLUS,
1,000,000
32
UNDERWRITING SOUTIONS ANICO for Life

• Not trying to be an Impaired Risk carrier.
• Underwriting is as good as everyone!
• Open and Direct Communications with your
  underwriter.
• Able to make offers where others would not.

33
UNDERWRITING SOLUTIONS ANICO for Life

• Retention
• 700K to age 85 through table 16.
• Auto-Bind
• 10 million to age 85 through table 16.
• Jumbo Limit
• 25 million in-force and applied for.
• Medical Evidence
• generally good up to 180 days.

34
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.

37
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!!!!!

39
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!!!!

40
Affinity 7 Whole Life Series

• Product
• 
  Participating Whole Life
• Minimum Face
• 
  15,000
• 
  100,000 for Preferred
• Rate Bands
• 
  A. 15,000 49,999
• 
  B. 50,000 99,999
• 
  C. 100,000 999,999
• 
  D. 1,000,000 and over
• Issue Ages
• 
  Bands A B 0 85
• 
  Bands C D 18 - 85
• 
  

41
Affinity 7 Whole Life Series

• Dividend Options (Available Varies By Market)
• Cash
• Premium
  Reduction
• 
  Accumulate at Interest
• Paid up
  Additions
• Loans
• 8 in
  Arrears
• Riders
• 
  Accelerated Death Benefit
• 
  Disability Premium Waiver
• Paid up
  Additions Rider
• Additional
  Insurance Option
• Spouse
  Term Rider
• Childrens
  Term Rider
• ANICO
  Select Term ( 10,15,20,30 years)

42
Simply Life (Whole Life or UL)

• Simplified issue life insurance for
  business
• owners or employees.
• (Answer part 1 of simplified application)
• 100,000 Simplified Issue
• Standard to Table 4
• Minimum 3 employees
• All employees are eligible
• Can be issued to 1 Life
• No participation requirement
• Complete Part I on Simplified Life application
  only
• Payroll deduction with product choices or
  individual pay
• Whole Life or
  Passport Universal Life
• 
  LIFE MADE EASY

43
PensionsSmall Business Pensions Experts

• Dedicated Pension Department
• Plan Design, Funding and Administration
• Plan Design Free Look ( 200 if you install
  the plan)
• Case Design Specialist
• Case Worker assigned to each case to work with
  accountants
• annually.
• Administration Low Cost (400 - 1,200)
• No 3rd Party Administrator Needed
• All you need is census and ANICO provides 2
  proposals so client selects versus saying no. 1
  Stop shop.
• We are the
  competition

44
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

45
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

46
Foresters Financial PartnersDesktop Sales Maker
Series  

• Q As
• Thank You for Participating