CAPITAL INSURANCE AFFILIATES

1 INTEGRITYINDEPENDENCEINNOVATIONC apital INSURANCE Affiliateshas assembled an experiencedinsurance management team to support your clients andprovide the best solutions foreach of your clients WE DO: CAPITAL INSURANCE AFFILIATES is a full-service lifeinsurance general agency specializing in corpo-rate INSURANCE , family protection and personalestate planning. We also provide advice on a vari-ety of trust vehicles for optimal estate planningstrategies. Since we offer products from over onehundred life and annuity carriers, our independ-ence insures that we select the best solution tomeet your clients mission is to provide your valued clientswith exceptional service, expert knowledge andinnovative planning solutions.

2 We specialize inproviding unique sales ideas that we can take tomarket immediately, utilizing the industry spremier companies and INSURANCE AFFILIATES is committed to help-ing your clients find solutions to their personaland business needs and obligations. We place agreat deal of importance on establishing relation-ships that are based on time-tested values such as trust, service and dedication to exist because of you, the broker, and concen-trate our resources on the services and productsthat you tell us are of the greatest value to yourclients. Because of this due diligence, we havepioneered creative solutions for individuals,families and sophisticated tax and INSURANCE plan-ning, we are able to provide the cost effectivesecurity and protection your clients also incorporate the use of executive benefitplans to enhance the value of your BENEFIT PLANS:nKEY PERSON PLANS Key Employee Indem-nification involves the purchase of INSURANCE by a business on the life of an individual whoseparticular skills make a significant contributionto the business efficient and continued opera-tion.

3 By a resolution, the business authorizes thepurchase of INSURANCE required to indemnify itagainst any loss resulting from the death ordisability of the key employee. A valuation isthen completed to determine the amount ofprotection DOLLAR PLANS Split Dollar Plans areused in situations where one party needs insur-ance protection and another party has the cash topay for it. Split Dollar Plans can be establishedbetween a business and business owner, betweena business and a key person, or between individ-uals and a trust(s).nEXECUTIVE BONUS PLANS An ExecutiveBonus Plan is a fringe benefit used to reward andretain key employees whose services could besought by competitors.

4 Typically, an employerwould purchase life INSURANCE contracts onselected key employees. Employees can use theircontracts to protect their beneficiaries for finan-cial hardship. Generally, premiums are deductibleto the employer and must be reported as incomeby the PLANS Buy-Sell Plans can be anexcellent way to protect the future of a businessin the event of an owner or shareholder s death,disability,retirement or voluntary withdrawalfrom the business. The agreement typicallyaddresses continuation strategies by specifyingthe circumstances under which business inter-ests can or must be sold, the sale price, theterms of the purchase and the source of fund-ing.

5 Life INSURANCE is generally regarded as the most efficient method of funding for a Buy-Sell DEFERRED COMPEN-SATION PLANS Non-Qualified DeferredCompensation Plans provide supplemental retire-ment, death and disability benefits to keyexecutives. The supplemental retirementincome benefit may be designated specificallyfor each participant. The business deductionis delayed until benefits are actually paid, atwhich time it is taxable to the BENEFIT PLANS TraditionalDefined Benefit Pension Plans are permanentretirement plans established by employers andfunded exclusively for the benefit of employ-ees and their (i) Defined Benefit Plans are more suitedto businesses and professional practices withsix or fewer employees that wish to maximizecontributions and tax deductions to a greaterextent than is permitted under a traditionalDefined Benefit addition to Executive Benefit Plans, CapitalInsurance AFFILIATES offers the following.

6 NTRADITIONAL LIFE Whether you areconsidering single-life options or multi-tiercombinations, we can help you create theultimate plan to meet your clients needs andfinancial budget. Our outstanding case man-agement service and objective approach tocarrier investigation and selection allows youto deliver superior live INSURANCE solutions for your clients with specific need in thefollowing areas:FUniversal LifeFTerm LifeFWhole LifeFIndexed Life InsuranceFVariable Life InsuranceCAPITAL INSURANCE AFFILIATES INTEGRITYINDEPENDENCEINNOVATIONnANNUITIE S An experienced team ofannuity specialists, together with an un-matched product portfolio, allows us to offer the most competitive annuities in the business including.

7 FFixed Deffered AnnuitiesFIndexed AnnuitiesFSingle Premium ImmediateAnnuitiesFAnnuity-Life ArbitragenLONG-TERM CARE With 77 million baby-boomers getting older daily, you knowthat Long-Term Care INSURANCE is a crucialpart of a well-rounded financial plan and onthe minds of many of your clients. With allthe competition in the marketplace, where doyou begin? You begin with CAPITAL InsuranceAffiliates. Our knowledgeable Long-TermCare team is eager to help you evaluate yourclients needs and offer them the very bestand affordable INCOME Our DisabilityIncome specialists will work with you indesigning the proper policy for your provide you with the tools and knowledgeyou need to place the case and will take thetime to ensure that you understand this muchneeded but often neglected area of yourclients financial Overhead ExpenseFBuy-OutFSpecial RiskINSURANCE MANAGEMENT TEAM:Our INSURANCE management team has over 60years of combined experience in the life insur-ance industry.

8 We have worked on the EstatePlanning and Business and Succession teams fortwo of the five largest closely-held businesses inNorth B. Nicholson Bill is the Directorof CAPITAL INSURANCE AFFILIATES . He is aChartered Financial Consultant and special-izes in business and estate planning. Bill isalso a member of the National Association of Philanthropic B. Long Alan is an Associate Directorof CAPITAL INSURANCE AFFILIATES . He is also aChartered Life Underwriter who specializesin INSURANCE and Estate management team and support staff arealways at your disposal so give us a call!INTEGRITYINDEPENDENCEINNOVATION17 Glenwood Avenue Raleigh, NC 27603 INTEGRITY INDEPENDENCE INN OVATION800 849