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Join Liberty National's Management Team and Start Your Career with High Income Potential!

Liberty National is seeking motivated individuals for our management team. With income potential reaching over $200,000 in your first year, we provide comprehensive training, ongoing support, and a solid financial backing as one of the country's oldest insurance companies. Our agents enjoy flexibility, strong earning opportunities, and the potential for residual income through renewals. If you're ready to take charge of your future with a company that values integrity and offers significant growth potential, Liberty National wants you!

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Join Liberty National's Management Team and Start Your Career with High Income Potential!

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  1. LNL0909 0309

  2. Are You Ready to Get Started? • LIBERTY NATIONAL • WANTS YOU ON OUR • MANAGEMENT TEAM!

  3. $231,378 $215,679 $188,805 $183,813 $182,169 $411,939 $297,027 $294,026 $253,250 $251,580

  4. Integrity Financial Strength IncomeOpportunities Training What Would the “Perfect Company” have to Offer? Flexible Markets Incentives AdvancementOpportunities

  5. Defining Liberty National Stability • Organized in 1900 as a Fraternal Benefit Society • Incorporated in 1929 • Licensed to operate in 49 states • Currently has $44.65 Billion of insurance in force (as of 12/08) • Currently operating more than 170 offices in cities across the nation - and growing! Serving America Since 1900

  6. Torchmark Corporate Profile (TMK – NYSE) AffiliateCompanies

  7. Corporate Profile

  8. Defining Liberty National Stability • A+ (Superior) from A.M. Best (as of 6/08). • AA- “Very Strong” by Standard & Poor’s (as of 12/08). • A1 by Moody’s (as of 1/09). • AA “Very Strong” Insurer’s Financial Strength Rating from Fitch (as of 6/08). Customers expect their insurance company to be there when they need them.

  9. 2008 Liberty National Performance Record* Defining Liberty National Service * Based on Company statistics at press time.

  10. Why Insurance Sales? • Why would insurance be one of the highest paid sales professions? Most people would respond … “Everybody needs it” Actually, it’s not just because of need.

  11. Why Insurance Sales? • The big difference - Residual Income (Renewals)! • Insurance agents are paid each month from policies sold in the past • In other sales careers - • Salesperson is only as good as his/her last sale • To increase income you have to increase the number of units you sell • At the beginning of each week, month or year, you start over • What you’ve sold in the past doesn’t matter • You’re paid only for what you do in the present, but not the past

  12. Why Insurance Sales? • At Liberty National – • Agents are trained in the field and classroom to help ensure ongoing success • Earn renewals each month • Income based on renewing policies sold in the past • Can earn thousands of dollars each month before other new sales ever occur • Many professional Agents build a large renewal income working a fraction of the time they did when they first started

  13. Opportunity What is important to you?

  14. What is Important to You? • Strong Earning Potential • Financial Stability of Company • Broad Product Range/Flexible Markets • Support/Training • Earn According to Your Efforts • Advancement • Incentives

  15. Strong Earning Potential • Up to $202,150 • First Year Income • $61,671 Average * 2008 Company Stats. Average for Agents that complete 12 months with company.

  16. Leads & Marketing • Individual Market • Direct-response Internet Leads • Direct response Mail Leads • Direct-response Telemarketing Leads • New Mortgage and Refinance Leads • Home Office Inquiry Leads • Globe Leads and Lapses • Policyholder Referral Leads • Past Responders • Worksite Marketing • Small Business Lists • Judy Diamond Leads • Dunn & Bradstreet Leads • Telemarketing Leads *Products and ads may vary by state

  17. Training • Education Opportunities • Live, individualized training - both field and classroom • Internet Training and Testing, 24/7 • Home Office sponsored Training Seminars • Audio-visual aids • LUTC studies subsidized by the company • Sales tracking to lead source • Management assistance and advice

  18. What is Important to You? • Strong Earning Potential • Financial Stability of Company • Broad Product Range/Flexible Markets • Support/Training • Earn According to Your Efforts • Advancement • Incentives

  19. If $100,000 per Year Jobs were Easy… • EVERYBODY WOULD HAVE ONE! • WORK THE BUSINESS MODEL!

  20. Whole Life • Pay Example • $38 Monthly Premium • x 722% Commission • x 444% Bonus – 4th Week • = $443.00 PAY! Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

  21. The Business Model That Works! • 240 Contacts x 10% = 24 Appointments per Week • 5 sales per week x $443 = $2,215 • $2,215 x 52 weeks = $115,180 • WILL YOU DO WHAT IT TAKES? Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

  22. Income (Whole Life): 4 apps per week

  23. Strong Earning Potential • Up to $202,150 • First Year Income • $61,671 Average * 2008 Company Stats. Average for Agents that complete 12 months with company.

  24. Are You Ready to Get Started? • LIBERTY NATIONAL • WANTS YOU ON OUR • MANAGEMENT TEAM!

  25. Unit Manager • UNIT MANAGER POSITION • IS “THE GROWTH POSITION” • AT LIBERTY NATIONAL!

  26. Unit Manager Pay Example • ASSUME A New AGENT SELLS FIVE • $38 POLICIES IN ONE WEEK AND that the agent is • at the 40% Bonus Level Weekly (4 weeks in) Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

  27. Unit Manager Pay Example • 5 Sales x $38 = $190 divided by .09 (discount factor) • = $2,111 AP sold by that agent this week … • Commission Payment • Override of 40% for Unit Manager (assuming Agent employed 6 months or less) • $2,111 AP x 40% = $844.40 • FROM THAT ONE AGENT • REMEMBER - The Agent was at the 40% Bonus Level … • The Agent is paid 40% of the $2,111 or $844.40 Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

  28. Unit Manager Pay Example • Bonus Payment • UNIT MANAGER Will Get A WEEKLY PRODUCTION BONUS • of 60% (assuming Agent has been contracted 13 weeks or less) of whatever the agents Bonus is. • So … • $844.40 Agent bonus x 60% = $506.64 • ADDITIONAL PAY! Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

  29. Unit Manager Pay Example • 1st Pay Method = $844.40 • 2nd Pay Method = $506.64 • That’s $1,351.04 • from 1 Agent this week!!! • But what if you had just 3 agents • properly working the business model???

  30. Unit Manager Pay Example • 3 agents working the business model each week… • 3 x $1,351.04 = • $4,053.12 • Weekly Earnings Potential!!!!!

  31. What is Important to You? • Strong Earning Potential • Financial Stability of Company • Broad Product Range/Flexible Markets • Support/Training • Earn According to Your Efforts • Advancement • Incentives

  32. Advancement • 100% MERIT BASED PROMOTIONS THROUGH • THE “PROMOTE PROMOTION” PROGRAM • “A FAST TRACK MANAGEMENT TRAINING PROGRAM” • Agent • Unit Manager • Branch Manager • Regional Director • Vice President • President • WHERE DO YOU WANT TO BE?

  33. What is Important to You? • Strong Earning Potential • Financial Stability of Company • Broad Product Range/Flexible Markets • Support/Training • Earn According to Your Efforts • Advancement • Incentives

  34. Destinations • Torch Club Sales Convention • Convention locales have included: • Atlantis Resort in the Bahamas • Las Vegas • Caribbean Cruise • Miami, FL • Washington, D.C. • Puerto Rico

  35. Are You Ready to Get Started? • LIBERTY NATIONAL • WANTS YOU ON OUR • MANAGEMENT TEAM!

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