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OPPORTUNITY

OPPORTUNITY. What is important to you?. Defining Liberty National. Stability. Serving America since 1900. In business since 1900 Market Life and Supplemental H ealth insurance in the home and at the workplace Licensed in 49 states Headquartered in McKinney, Texas. TMK — NYSE.

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OPPORTUNITY

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  1. OPPORTUNITY What is important to you?

  2. Defining Liberty National Stability Serving America since 1900 • In business since 1900 • Market Life and Supplemental Health insurance in the home and at the workplace • Licensed in 49 states • Headquartered in McKinney, Texas

  3. TMK — NYSE TORCHMARK CORPORATE PROFILE

  4. What Would the “Perfect Company” Have to Offer? Integrity Financial Strength Training What Would the “Perfect Company” Have to Offer? What Would the “Perfect Company” Have to Offer? Residual Income Incentives Flexible Markets Advancement Opportunities Unlimited Income

  5. Defining Liberty National Stability Customers expect their insurance company to be there when they need them • A+(Superior) Financial Strength Rating From A.M. Best Company (as of 6/11) • AA-“Very Strong” Financial Strength Rating By Standard & Poor’s (as of 5/11) • A1Insurer’s Financial Strength Rating By Moody’s (as of 3/11) • A+“Strong” Insurer’s Financial Strength Rating By Fitch (as of 1/11) • Ward’s 50 Life-Health List Every year since 1995 (as of 7/11)

  6. What is important to you? How do you meet people? • Dynamic Lead Generation System

  7. What is important to you? How do you meet people? • Dynamic Lead Generation System Why do people want to meet with us? • Needs-based Products

  8. What is important to you? How do you meet people? • Dynamic Lead Generation System Why do people want to meet with us? • Needs-based Products What is the income potential? • Agents Build Wealth

  9. What is important to you? How do you meet people? • Dynamic Lead Generation System Why do people want to meet with us? • Needs-based Products What is the income potential? • Agents Build Wealth What are opportunities for advancement? • Management Career Track

  10. What is important to you? How do you meet people? • Dynamic Lead Generation System Why do people want to meet with us? • Needs-based Products What is the income potential? • Agents Build Wealth What are opportunities for advancement? • Management Career Track Why you make this a career? • Residual Income

  11. DYNAMIC Lead Source • Current Customers – 3 million • Worksite Re-enrollments • Sponsorship Opportunity • Child Safe Program • Accidental Death Policy • MedFacts Kit • Discount Card

  12. Needs-Based Laptop Presentation

  13. Needs-Based Laptop Presentation

  14. 56,418 2011 Average Agent Income Average of Agents with 12 months service

  15. Family Care Plan – $40.73 per month 35-year-old male, nontobacco rates

  16. Performance-Based Pay – Family Care Plan Based on previous example $40.73 monthly premium; 70% direct pay and at applicable production pay; 1.0 DCN multiplier; No commission account draw

  17. Employee Care Plan – $42.25 month/$9.76 per week 35-year-old rates

  18. Employee Care Plan – Worksite Enrollment Based on previous example $42.25 monthly premium; 50% direct pay and at applicable production pay; 1.0 DCN multiplier; No commission account draw

  19. Advancement – Opportunity Unlimited • Branch Manager 100% Merit-Based Promotions Through “Career Track” Program. A Fast Track Management Training Program • Unit Manager • Asst. Unit Manager • Agent • Agent In Training WHERE DO YOU SEE YOURSELF?

  20. Residual Income The No. 1 financial reason people choose a career in our industry is residual income.

  21. Residual Income (Renewals) Paid each month from policies sold in the past

  22. Incentives Torch Club Convention destinations have included: • Caesars Palace, Las Vegas • Fontainebleau Hotel, Miami • Caribbean Cruise • Puerto Rico • Atlantis Resort, Bahamas

  23. 2013 Annual Convention Guest rooms blend a classic-yet-modern style with a relaxing, casual sophistication, provide 24-hour room service, and are mere steps from the magnificent Pacific Ocean Join us at Hotel del Coronado. The ultimate San Diego destination, the resort’s enchanting island setting and classic architecture form the perfect backdrop for Convention 2013

  24. Opportunity Unlimited – What it Takes Requirements for Success • State Insurance License • Good work ethic and commitment during: • Classroom training • Field training • Mentoring • Entrepreneurial Spirit • You can build your business at the rate you are committed to

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