National Guardian Life

Final Expense

• Headquartered in Madison, Wisconsin

• Founded in 1910

• NGL is a Mutual Life Insurance Company

• Assets: $3.1 Billion

• NGL’s Ratings A- (Excellent) with A.M. Best

BBBpi S&P

All figures are derived from consolidated GAAP results as of December 31, 2013.

Ratings current as of 5-3-13.

National Guardian Life Insurance Company is not affiliated with The Guardian Life

Insurance Company of America a.k.a. The Guardian or Guardian Life.

NGL AssetGuard

NGL AssetGuard Highlights

• Single: 0-99

• Multi: 0-90

Issue ages

• Single pay, 3, 5, 7 and 10 years Payment

plans

• One health question Simplified

under-writing

• 0-99 Single Pay

• 0-90 3 Year

• 0-85 5 Year

• 0-80 7 Year

• 0-80

10 year

NGL AssetGuard Highlights

Single pay & Standard

Issue Multi pay:

Immediate full death benefit

Guaranteed Issue Multi pay:

Graded death benefit

Year 1: ROP, plus 3%

Year 2: 70%

Years 3+: 100%

• Single pay: $100,000

• Multi-pay: $35,000

Maximum face

amount

• Single pay: 2.0% growth rate

• Multi-pay: 2.0% growth rate

Increasing death

benefit

ROP = Return of premium

Credit Card Payment Option

Accepted with no fee for:

Initial Monthly Premium

Ongoing Monthly Premium

Note: Down payment or Single Pay require a 2% commission reduction.

It could NOT be easier to do!

Application +

Funeral Expense Trust form

or

Estate Planning Trust form

TWO pieces of paper and you are done!

Trust Assignments: NGL Estate Planning Trust

NGL Funeral Expense Trust

The Real Opportunity

*However, it is not necessary for Trust Application acceptance. **Trust limits may vary by state, due to individual state regulations.

NGL Insurance + NGL Irrevocable Trust

= an Unbeatable Team

Benefits of NGL Irrevocable Funeral Trusts

*Upon submission of all required claim documentation. **Death proceeds used for funeral expenses avoid

probate costs and delays.

Everyone qualifies for

trust assignment

Trusts are FREE

Funds available immediately*

Proceeds avoid probate costs

and delays

Funds totally portable

(any FH provider)

Benefits are income tax-free

Protection from creditors

Plus, peace

of mind for

your clients!

Life

Insurance

Policy

Irrevocable

Funeral

Trust

Pre-Planning

Funds

Use money from

Savings, 1035

Exchanges, etc. . . .

Protected funds earn

tax-free interest until

time of need

Policy

Assigned to

Death Benefit

GROWS!

Excess Funds

Paid to

Beneficiary*

Funeral

Provider Paid

Within 48 Hours

Claim Paid

Funds avoid probate costs and

delays; expenses covered

immediately

How the Trusts Work

*Excess proceeds are paid to the estate of the Insured for the Funeral Expense Trust.

Pro

tecte

d fro

m

Pro

ba

te

Pro

tecte

d fro

m

Law

su

its

Pro

tecte

d fro

m

Cre

dito

rs

Pro

tecte

d fro

m

Incom

e T

axe

s

Pro

tecte

d fro

m

Me

dic

aid

Sp

en

d D

ow

n

Be

ne

fits

Pa

id

Dire

ctly t

o A

ny

Fu

ne

ral H

om

e

CD No No No No No No

Savings No No No No No No

Annuity Yes

No No No

Life Insurance* Yes Depends

on State

Yes No No

Irrevocable Funeral Trusts

Yes Yes Yes Yes Yes** Yes

*Without a Funeral Trust. **Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorney

In your state for assistance. The Estate Planning Trust is subject to a 5-year look-back period for Medicaid qualification.

How the Trusts Compare

Depends on State

Depends on State Depends on State

Protected

from Probate

Protected from

Lawsuits

Protected from

Creditors

Protected

from Income

Taxes

Protected

from Medicaid

Spend Down

Benefits Paid

Directly to any

Funeral Home

CD No No No No No No

Savings No No No No No No

Annuity Yes Depends on

State

Depends on

State No No No

Life

Insurance Yes Depends on

State

Depends on

State Yes No No

Irrevocable

Funeral

Trusts

Yes Yes Yes Yes Yes** Yes

NGL Funeral Expense Trust

$15,000 maximum

(or City/State limit, if less)

The ability to help exclude assets in

order to qualify for Medicaid and

SSI* when applying immediately

The Trust will pay funeral costs with

any excess funds going to the estate

of the insured

NGL Estate Planning Trust

$100,000 maximum

(or state limit, if less)

The ability to exclude assets in

order to qualify for Medicaid and

SSI after 5-year look back

Funds used to pay funeral

expenses. Any excess funds

returned to a designated

beneficiary or the insured’s estate

*Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorney

in your state for assistance. Check with local Medicaid office for most recent rules and updates to limits).

NGL Irrevocable Trusts

NGL Funeral Expense Trust

Crisis Planning

Medicaid very possible within 5 years

Client wants funeral expenses only

and wants assurance that the funds

are protected now!

NGL Estate Planning Trust

Medicaid is non-issue: o Now

o At least 5 years or never

Want to easily transfer limited amount

of wealth: o Children

o Charities

$$ > 15K up to $100k face amount

This is the REAL opportunity!

When to Use Each Trust

*Some states may vary on Medicaid rules and eligibility is not guaranteed; please consult an elder law attorney in your state for assistance.

The NGL Irrevocable Trust and Your Portfolio

Cross-selling opportunity!

New product…same clients

• Trusts are Free!

• Funds totally portable

• Provides peace of mind Client

Benefits

• Every one of your clients needs this

• It’s Easy!

• Excellent Income Opportunity

Agent Benefits

NGL Strength & Stability

Backed by over 100 year-old A- (Excellent) rated

mutual ins.

Over $3 billion in assets

Why Sell this Product?

A- (Excellent) rating from A.M. Best, current as of 05/30/14.

Financials current as of 12/31/13.

If you don’t… someone else will!

Guaranteed Issue Whole Life:

Product Overview

Absolutely Guaranteed

issue

NO under-writing

ZERO health

questions

Permanent WHOLE

life

Level premiums

Cash value

accumulates over time P

rod

uc

t F

eatu

res

Product Details

Great commissions*

Face amounts

from $2,500-$25,000

Credit and debit cards accepted

Available for ages 40-80

*For questions about commissions, please contact your marketing organization.

Easy to complete ONE page application!

Client Profile

Interested in low premiums

May have health issues

May be a smoker

May have been declined by other insurance companies

Standard NGL Guaranteed Issue Whole Life Application Form

ICC14-4000-I (02/14)

One page application –

that’s EASY to complete!

Trust Assignment: NGL Estate Planning Trust

NGL Estate Planning Trust

Assignment Form (#2591-EPT)

Excess proceeds are paid to the

beneficiary named on the form

Policyholder must sign.

If Power of Attorney (POA),

include POA paperwork.

John E. Smith

Mary K. Smith

John E. Smith, Jr.

Owner Signature Date

Submitting Applications

Please submit all NGL applications to NAA

Policy Issuance

Faxed applications for new policies begin

processing immediately.*

In most cases, applications are issued the

next business day!

*Upon receipt of all necessary paperwork.

The NGL Difference

Access to our Agent Support Team after you are appointed!

• Questions about paperwork

• Assistance calculating premiums

• Help with reports on-line

• Just a phone call away

Our People are Our Strength

Available: 7am-7pm (Mon. – Thurs) CST

7am-5pm (Fri.) CST

NGL: Serious About Service

Quick New Business Processing

Policies Issued:

Same Day: 91.0%

Within 24 hours: 92.8%

Within 48 Hours (Goal): 94.6%

All figures taken from 2013 average statistics.

Value-Added Benefits

NGL Agent Website: MyNGLIC

Expanded view of navigation

Sample view of the MyNGLIC homepage

Additional Training Resources

NGL Rate Calculators

How to Use MyNGLIC (Agent website)

How to Order Supplies

How to Use NGL ReportLink

NGL’s Rate Calculators

1. Mynglic.com Rate Calculator

2. Desktop Calculator

3. Mobile Rate Calculator

4. Product Rate Sheet

Agent Support is always available to assist!

Call NGL Agent Support:

800-988-0826 (Option 1)

Mon – Thurs: 7am – 7pm CST, Fri: 7-5pm CST

Questions? Concerns?

© 2014 National Guardian Life Insurance Company, Madison, WI. GIWL-BS 04-14 For agent use only.

Insurance coverage provided by National Guardian Life Insurance Company. National Guardian Life Insurance

Company is not affiliated with the Guardian Life Insurance Company of America, a/k/a The Guardian or Guardian Life.