One Life’s Core Values

2. One Life’s Core Values One Life is established on Christian values that manifest themselves in the way we conduct business. This unwavering set of core values supports the organization and ultimately propels us to professional success. The following characteristics are the heart of our company: INTEGRITY. One Life is devoted to the utmost standard of integrity. We believe this commitment is fundamental to the success of our business, as it furnishes our clients value and financial security.SERVICE. One Life seeks to be known for extraordinary customer service. Through our dedicated service, we desire to formulate lasting relationships with our clients that are built on trust, loyalty and eminent support.EXCELLENCE. One Life is dedicated to excellence in every area of its corporate existence. We are committed to providing the very best products and services the industry has to offer. TEAMWORK. One Life recognizes the importance of working as a team. In order to succeed in a brokerage capacity, it is imperative that we operate in an unselfish and cooperative fashion.

3. Who Is One Life? • We are an insurance agency founded by Ken Parker in 1984 • We are the largest final expense agency in the country. We have two avenues of conducting business, our field agents and our call center operations.

4. What Do We Do And Why Do We Do It? • We focus on life insurance sales, not multiple insurance products • Our products are designed to financially take care of funeral and burial expenses eliminating the burden associated with death • Our clients are low to middle income, primarily blue collar workers and retirees who fall between the ages of 45-80 • Average funeral cost between $8,000 to $12,000 • Other expenses associated with death add up to thousands of dollars • IT IS OUR GOAL TO ALLOW EVERYONE THE OPPORTUNITY TO LEAVE THIS WORLD WITH DIGNITY

7. Lead Definitions • “A” Lead – New lead that has not been issued to an agent • or worked • “B” Lead – Leads distributed 31- 365 days from the time • issued to an agent, as an A lead, and was not sold • “C” Lead – Responders outside 365 days from the time issued to an agent, as an A lead, and was not sold

8. Sample Lead

9. ONE LIFE UNIVERSITY

10. ONE LIFE UNIVERSITY

11. Lead System Agent Hub  Agent Hub Registration Instructions The steps below need to be used once you have completed the One Life University Instructions. You will need your Referral Code and One Life Agent ID number to complete the registration process.  Go to http://agents.onelifeamerica.com/  Select New Agents on the left side of the screen  Enter your Referral Code supplied by your manager (MANAGER: MANAGERS REFERRAL CODE)  Select continue if the Referring Agent is listed correctly  Complete the personal information page and select continue  Follow prompts to complete the registrations process Note: Will need to download Silverlight to access this website. If you need assistance please call IT at 800-748-0026 EXT 3344.

12. Introducing Agent Hub

13. Introducing Agent Hub

14. NEW AGENTS • New Agents must submit $2000 Annual Premium off of “B” and “C” Leads before getting any “A” Leads • Note – If there are “B” and “C” leads available in the areas they work

15. PPL Examples 30A leads X $100 PPL = $3000 Annualized Premium Example 1: 1 policy @ $250 monthly x 12 months = $3000 annualized premium = $100 PPL Example 2: 10 policies @ $25 monthly X 12 months = $3000 annualized premium = $100 PPL 40A LEADS x $100 PPL = $4,000 AP 50A LEADS x $100 PPL = $5000 AP “B” and “C” leads supplement the “A” leads

16. PPL Scale For Receiving Leads On The New Free Lead System

17. How PPL is calculated

18. How to turn in business • FAX in business daily when possible • FAX business to 866-357-9442 • You can email to olaapps@onelifeamerica.com ( you must have a One Life Email Address to email applications to agent services) • Agent Services Hours are 8:00 AM to 5:00 PM CST Monday - Friday

19. Help Desk • Onelifeamerica.com • Email helpdesk@onelifeamerica.com • Call IT Support at 866-940-7624 • Hours 7AM to 5PM CST

20. Foresters • Great rates • Simple Application and Process • Phone interview with immediate decision on issue • Best Agent Services – get immediate email with certificate number • Get immediate email if there is a problem with an application (ie. like a draft doesn’t go through) • Foresters Apptical Number 866-844-9276 • Must turn in application whether client proceeds or not • Set as favorites on cell and always use speaker phone • Contest for 2013

21. AMERICAN-AMICABLE • ROP up to $20,000 and goes to 85 years old • Simple Application and Process/Easy short app for both family plan (Family Solutions) and Golden Solutions • Phone Interview with immediate decision on issue • Grandchild/ Great Grandchild Rider • ADB Rider up to 80 years. Last until 100 years • Smoker rates cheaper goes up to 85 years • Graded rates cheaper • Draft 1-28th or 2nd,3rd or 4th Wednesday of each month • Family plan ( Family Solutions) goes from 0-49 (no phone interview from 0-39. Darren says they will issue these age groups with no problems most of the time? • Working on taking Direct Express. It’s in the test mode right now. Darren says should be ready to release in a few months

22. One Life Academy One Life Academy April 7 -9

23. One Life Academy Classes 2013-2015 One Life Academy Dates

24. Scott’s keys to be successfulwith OneLife America