WELCOME TO OUR TRAINING SEMINAR WELCOME TO OUR TRAINING SEMINAR

LEARN HOW LEARN HOW TO MAKE AN TO MAKE AN EXTRA 7K EXTRA 7K MONTHLY ! MONTHLY !

UNITY FINANCIAL LIFE COMPANY UNITY FINANCIAL LIFE COMPANY

OUR GOAL IN THIS SEMINAROUR GOAL IN THIS SEMINAR

The Goal of This Sales Training Academy-To help you make an extra 7K monthly

-And to help your clients protect Assets by planning now

A NURSING HOME CAN WIPE-OUT A A NURSING HOME CAN WIPE-OUT A LIFETIME OF SAVINGS ! LIFETIME OF SAVINGS !

93% OF SENIORS OVER 65, DON’T HAVENURSING HOME INSURANCE !

SINCE ONLY $1500.00 IS EXEMPTFOR LIFE INSURANCE…THIS IS AN ISSUE

• Medicaid says only a $1500.00 life insurance policy is exempt.

• Any policy over that amount in cash values is a countable asset and would have to be spent down for Medicaid Eligibility.

• Example: $10,000.00 Policy – (Paid Up)

9,850.00 Cash Value

• SOLUTION: 1035 Exchange to Funeral Trust. (Tax Free) – Now it is Protected.

Funeral Trust PlanningFuneral Trust Planning

• Dollars put into the Irrevocable Funeral Trust is Exempt. (Client receives fair market value - No Five Year Look-Back)

• Protected from Creditors, Lawyers, Hospitals, Nursing Homes and Medicaid.

• The last trust available without a look-back.• Great Medicaid Planning Tool.• The Financial Planner /Insurance Agent can

now assist their clients with this pre-planning trust.

ADVANCE PLANNING SHOULD BE DONEADVANCE PLANNING SHOULD BE DONEFIVE YEARS IN ADVANCE TO PROTECT ASSETSFIVE YEARS IN ADVANCE TO PROTECT ASSETS

•PLANNING TOOLSPLANNING TOOLS•FUNERAL TRUST PLANNINGFUNERAL TRUST PLANNING•POWER OF ATTORNEYPOWER OF ATTORNEY•HEALTHCARE AND FINANCIAL POAHEALTHCARE AND FINANCIAL POA•NETWORKING WITH AN ATTORNEYNETWORKING WITH AN ATTORNEY

•KEEP IT SIMPLE…THIS FUNERAL TRUST IS KEEP IT SIMPLE…THIS FUNERAL TRUST IS EASY TO SELL…YOU DON’T HAVE TO BE AEASY TO SELL…YOU DON’T HAVE TO BE A EXPERT TO SELL THIS PRODUCT! EXPERT TO SELL THIS PRODUCT!

THIS FUNERAL TRUST PLANNING IS JUST COMMON SENSE!THIS FUNERAL TRUST PLANNING IS JUST COMMON SENSE!

REVIEW – PLANNING YOU SHOULD RECOMMEND REVIEW – PLANNING YOU SHOULD RECOMMEND

Unity Financial Life Insurance CompanyUnity Financial Life Insurance CompanyCincinnati, OhioCincinnati, Ohio

Home Office Home Office

•Licensed in 42 StatesLicensed in 42 States•Expertise in funeral funding insuranceExpertise in funeral funding insurance•Fastest Growing Private Company in Pre-NeedFastest Growing Private Company in Pre-Need•Strong Balance SheetStrong Balance Sheet

UNITY FINANCIAL LIFE INSURANCE COMPANY UNITY FINANCIAL LIFE INSURANCE COMPANY

1.1.SINGLE PREMIUM LIFE PRODUCTSINGLE PREMIUM LIFE PRODUCT2.2.ISSUE AGES 0-99ISSUE AGES 0-993.3.NO UNDERWRITING – GUARANTEED ISSUEDNO UNDERWRITING – GUARANTEED ISSUED4.4.GREAT COMMISSIONSGREAT COMMISSIONS5.5.FUNERAL TRUST PROVIDED BY INS. CO.FUNERAL TRUST PROVIDED BY INS. CO.6.6.UNITY FUNERAL TRUSTS – ONE PAGE APP.UNITY FUNERAL TRUSTS – ONE PAGE APP.

1.1.MEDICAID EXEMPT IN MOST STATESMEDICAID EXEMPT IN MOST STATES2.2.ILLINOIS - $10,000 – FUNERAL TRUSTILLINOIS - $10,000 – FUNERAL TRUST3.3.WISCONSIN - $ 12,500 FUNERAL TRUSTWISCONSIN - $ 12,500 FUNERAL TRUST4.4.TEXAS - $12,500.00TEXAS - $12,500.005.5.1035 EXCHANGES ACCEPTED 1035 EXCHANGES ACCEPTED

GREAT FOR PRE-PLANNING AND CRISIS PLANNINGGREAT FOR PRE-PLANNING AND CRISIS PLANNING

Independent Marketing Organization for Unity Financial Life CompanyIndependent Marketing Organization for Unity Financial Life CompanyPRODUCT DEVELOPED BY DELCO BROKERAGE AND UNITY FINANCIAL LIFE PRODUCT DEVELOPED BY DELCO BROKERAGE AND UNITY FINANCIAL LIFE

Your Opportunity to MakeYour Opportunity to MakeAn Extra 7K per Month, An Extra 7K per Month,

Marketing to Your Marketing to Your Existing Clients. Existing Clients.

IT’S EASY AND SIMPLE IT’S EASY AND SIMPLE TO DO!TO DO!

FUNERAL COSTS CAN VARY FROM $7000- $12,000

NATIONAL AVERAGE IS $8495.00

• Irrevocable Funeral Trust (IFT) - Funded by a single premium life policy.

• Trust strictly specifies money is to be used for funeral expenses.

• Life Policy grows @2.00% per year to age 80, 1% -81-90.• At Death, the trust pays the funeral home directly with excess

funds being returned to the estate or family.• Death claim - Agent gathers death certificate/bill from funeral

home and fills out claim form for family.

The Irrevocable Funeral TrustThe Irrevocable Funeral Trust

DELCO BROKERAGE SERVICESDELCO BROKERAGE SERVICES

The Easiest Sale You’ll ever makeThe Easiest Sale You’ll ever make

Four ways to fund the IFT Trust

• 1035 Exchange from Old Life Insurance Policies that have a Face Value of over $1500.00

• Cash - Write You a check

• 10% Free Withdrawal from an Annuity

• Old Mature savings Bonds

1035 Exchange Sale 1035 Exchange Sale

•Face Amount - $10,000Face Amount - $10,000•Cash Value - $ 9200.00Cash Value - $ 9200.00

Medicaid limits in most Medicaid limits in most states - $ 1,500.00 states - $ 1,500.00

Protect This Policy Protect This Policy by Tax Free by Tax Free ExchangeExchange

FUNERAL TRUST FUNERAL TRUST

Provides InstantProvides InstantMedicaid Protection Medicaid Protection

Life Insurance PolicyLife Insurance Policy

Existing Annuity Existing Annuity Policy - $ Policy - $ 200,000.00200,000.00Value Value 10% Free Withdrawal from10% Free Withdrawal from

An annuity to fund funeral An annuity to fund funeral trust. ($20,000.00) trust. ($20,000.00)

Use $20,000 to set up (2) Funeral Trusts at $10,000 Use $20,000 to set up (2) Funeral Trusts at $10,000 per spouse. Now this money is Medicaid Exempt! per spouse. Now this money is Medicaid Exempt!

The 10% Free Withdrawal To Fund Trust The 10% Free Withdrawal To Fund Trust

Your Biggest Competition

THE FUNERAL HOME

REASONS WHY YOUR CLIENT IS BETTER OFF DOING BUSINESS WITH YOU.The Funeral Home might go out of businessYou might move closer to your children in your old ageThe Funeral Home may merge with new ownersYou might retire down in FloridaOur Funeral Trust doesn’t specify any particular funeral home. This trust can be used with any funeral home at time of death. WE OFFER FLEXIBILITY!

Case Study #1

• 1035 EXCHANGE

• Old Policy – Face Value - $10,000Old Policy – Face Value - $10,000

Cash Value - $ 9,750Cash Value - $ 9,750 Policies with Face Values of more than Policies with Face Values of more than

$1500 is a “Countable Asset”.$1500 is a “Countable Asset”. 1035 old policy to Funeral Trust.1035 old policy to Funeral Trust. Now Money is Protected. (Exempt Now Money is Protected. (Exempt

asset)asset)

Case Study - #2

• Crisis Case – Client is already in an institution.

Example: Age 85 – Female

$10,000 remaining in bank acct.

Two Choices – Spend $ 8000 on Nursing Home

Save $8000 with Funeral Trust

YOU CAN USE APOWER OF ATTORNEYIF CLIENT IS UNABLE

TO SIGN.

Boost Your Income with The Funeral Trust

During the last 3 weeksI made more than I could

believe. GREAT Product!

CALL DELCO BROKERAGE SERVICES WRITE (3) CASES PER MONTH ANDEARN HUGE COMMISSIONS

A case being a husband and wife. $10,000 per trust X 6 = $60,000 premiumAverage age - 72Commission = $ 7,800+ per month.

START SELLING THE FUNERAL TRUSTSINCREASE YOUR MONTHLY INCOME BY $7800.00

1.1. Turn in your contractTurn in your contract2. Receive our entire 2. Receive our entire marketing programmarketing program3.3. Access to WebsiteAccess to Website4.4. Direct MailersDirect Mailers5.5. Annual Review LetterAnnual Review Letter6.6. Power Point Power Point

PresentationsPresentations7.7. Turn-Key Marketing Turn-Key Marketing

DELCO BROKERAGEDELCO BROKERAGEDO IT TODAY…DO IT TODAY…COMPLETE YOURCOMPLETE YOURCONTRACTING CONTRACTING