HOW TO - Online Funeral Planning

1 VER2-APRIL TOUS Agent Play BookWhy Everest ..1 Everest Tools More Than Just Insurance ..1 Insurances Specifics: Simplified-Issue Whole Life Insurance Underwritten by IA American ..1 Eligibility Criteria for Insurance Products ..2 Everest Agent Access Set Up ..3 Helpful Marketing Materials and Videos (all available on our agent website)..3 Positioning Everest ..3 how to Start the Conversation (Hints and Advice from Successful Agents)..4 Submitting an Application ..5 When to Complete a Medical Phone Interview ..6 Checking the Status of Your Business Applications & Policies ..7 Submitting Required Documents to IA American ..8 Will Prep Set up ..8 Importance of a Will - If There is No Will ..9 Tenzing Set up ..9Is Tenzing Safe to Store Information? ..9 Access and Key Contact Information.

2 10US Regional Sales Director Contact Information ..10 VER2-APRIL 2020US AGENT PLAY BOOKWhy Everest One of a Kind: First Nationwide FuneralPlanning and Concierge Services acrossNorth America 24 Hour Planning Assistance: SeniorAdvisors are expert, licensed FuneralDirectors that are available 24/7 to assistfamilies with a personalized Funeral plan1 Consumer Advocate: Everest isindependent, and not associated withany Funeral home or Funeral serviceproviders Peace of Mind: Families are able makedecisions in the comfort of their home Global Services: Ability to assist withfunerals anywhere around the world andoffering professional translation servicesfor those families who do not speakEnglish. Also, Everest offers Toll-Freeand International numbers for familiesto contact us from anywhere in theworld Negotiation: Negotiate Funeral pricing;gather and compare pricing informationfor family to understand Simple Application: No Medical Examneeded, application can be processed/issued in 3-4 days QuickPay2: The proceeds of the lifeinsurance may be paid to the beneficiarywithin 48 hours after death, makingfunds quickly available to cover anyexpenses1 Everest needs to be one of the first calls made after client s death before committing to any contract with the local Funeral home.

3 2 Not available during the contestability period defined as the first two policy Tools More Than Just Insurance 24/7 Concierge: Our Senior Advisor will provide personalized assistance to each family s specific needs, negotiation assistance and facilitate getting the monies to the family with QuickPay. Will work families and Funeral homes anywhere in the world; translator services available in over 170-languages PriceFinderSM Report: Create a customized Funeral home comparison report based on zip code or city Planning Tools: My Personal History, 10 Key Decision and My Wishes Planning Guide and more Will PrepTM: Create customizable Will, Power of Attorney, Health Care Directive, and other legal documents TenzingTM: Cloud-based data storage to easily store and retrieve important personal informationInstructional Videos are available for PriceFinder, WillPrep, and Tenzing on our agent website for demonstration purposes.

4 Will Prep and Tenzing are only available to policy owners. Agents do not have access to either unless they own an insurance policy with Specifics: Simplified-Issue Whole Life Insurance Underwritten by IA American The Everest Package offers two wholelife, final expense insurance products tochoose. Both options offer a simplifiedapproach to purchasing life 2020US AGENT PLAY BOOKE verest s services and tools are included to all product offerings: Advantage (Ages 0 49)/Advantage50+ (Ages 50 -85) Issue Age: 0 85 $5,000 - $50,000 coverage Payment options: monthly, quarterly,semi-annually, and annually Endowment Age: 100 Applicants can qualify for Immediateor Return of Premium (ROP) Riders Available: No Cost Riders,where available; low-cost, optionalChild/Grandchild Riders Premiums Never Increase, guaranteedcoverage for life QuickPay3 Tax-Free4: Proceeds tothe beneficiaries in as little as 48hours For more detailed descriptions,Advantage Agent Guide available onagent website, Step 33 Not available during the contestability period defined as the first two policy years.

5 4 Life insurance proceeds are generally paid tax-free. Please consult a tax professional for client s unique situation. Prime Advantage Simplified Issue Single Premiumoption designed especially for seniormarket & single premium sales Issue Age: 45 80 Minimum Single Premium: $10,000 Maximum Face Amount: $300,000for Preferred, $200,000 for Standard Endowment Age: 110 Applicants can qualify for Preferredor Standard Riders Available: No Cost Riders,where available Insured has access to cash after thefirst year Guaranteed immediate increase inasset values to beneficiaries TaxFree4 Forms of payment: single payment bypersonal check or 1035 Exchange QuickPay3 Tax-Free4 Proceeds tothe beneficiaries in as little as 48hours Prime Advantage Agent Guideavailable on agent website, Step 3 Eligibility Criteria for Insurance Products.

6 US Citizen5, Non-US Citizen with SSN,Green Card, Visa, or ITIN (Guidelinesavailable on agent website) Simplified YES/NO application, nomedical exam needed, & A medical phone interview (ifapplicable), & Check with MIB, RX database, and MVR,and applicant s build (height/weight chart) Application can be completed via E-Appor via paper No Face-to-face needed with E-App,remote signature and phone interviewrequired Underwriting time frame: 3-4 businessdays2 VER2-APRIL 2020US AGENT PLAY BOOK5 Prime Advantage only available for US Citizens. Non-US Citizens are eligible to apply for the Advantage/Advantage 50+Everest Agent Access Set Up Go to Agent Dashboard for Go-To-Tools foreverything you need Access the Electronic Application withremote signature capabilities; the mostefficient way to submit business Check Agent eFile to manage yourbusiness Explore our Everest PriceFinder Report, Will and Instructional Videos, PowerPoints, Testimonials, & Webinars Run Quotes via Online Quoting Tool,Mobile e-App, or Quoting Tables.

7 Direct Quote Tool Access: Marketing Materials and Videos (all available on our agent website) Will video: Virtual video that describeswhat The Everest Package does Instructional videos available: WillPrepTM, TenzingTM, and PriceFinderSM Everest Tool Kit: 4 Key Steps to GetStartedStep 1: Submit Agent Agreement OnlineStep 2: Everest Marketing Tool Kit marketing material and videos availablefor download & printStep 3: Everest Life Insurance toolkit access to quoting tools, insuranceapplications & formsStep 4: Submit Applications access to submitting paper applicationsPositioning Everest Focus on Everest s Concierge Service:Assistance available 24/7. At the timeof need, most families don t know whereto start, think that they can t afford it,and fear being taken advantage of.

8 Theyare also making significant financialdecisions under considerable timepressure and when they are emotionallydistraught and vulnerable. Service and Protection Insurance thatprovides a guaranteed death benefits,with premiums that never increase More Than Insurance offers universalconcierge services and benefits forall insurance packages, regardless ofcoverage amount. estate Planning : Include Everest withinWill and estate Planning Conversation Compliments client s existing lifeinsurance coverage. The benefits of ourconcierge service and QuickPay allowsEverest s families to get assistanceimmediately and expedite the claim Global Services: Ability to assist withfunerals anywhere around the world andoffering professional translation servicesfor those families who do not speakEnglish.

9 Also, Everest offers Toll-Freeand International numbers for familiesto contact us from anywhere in theworld3 VER2-APRIL 2020US AGENT PLAY BOOK Everest Services are personalized forthe Cultural or Religious needs of everyfamily Simple Solution to a complex andexpensive life event that everyone will gothrough at some point Share a story or show a testimonial ofhow Everest worked at the time of needHow to Start the Conversation (Hints and Advice from Successful Agents) Introduce The Everest Package whenyou are already presenting anotherproduct. Our product compliments theother solutions on the platform andsince they are already sitting with you,they should be open to hear about otherservices that will fit their family s them 3-questions during the process:1. Do you have a will, estate plan, orpower or attorney?

10 Explain why legalprotection is just as important andhow Planning for your family s futurewithout it is an incomplete. 2. Do you have a safe place to keep important documents? Advise the client the Cloud is the safest, most easily accessible place to put all important Most life insurance-based productstake 30-45 days to pay out, becausethey require a certified deathcertificate. Would your family benefitfrom or would it be comforting to youif we could make $20K of this policyavailable to your family in 2 days or less? . They will always say yes to this. Now is the time for you to introduce them to The Everest Package. Everest helps organize and store all important financial and personal documents and helps you build a will with a sophisticated, Online will preparation tool.