Slide 1

CAREER LEADERSHIP BRIEFING

LNL2281 0213


Slide 2

Defining Liberty National
100+ Years At Work
STABILITY
• MARKET LIFE AND SUPPLEMENTAL HEALTH
INSURANCE IN THE HOME AND AT THE
WORKPLACE
• WE PROTECT AMERICA’S WORKING CLASS
• LICENSED IN 49 STATES
• OWNED BY A FORTUNE 1000 FINANCIAL
SERVICES CORPORATION
SERVING AMERICA SINCE 1900


Slide 3

Financial Strength
TMK — NYSE
LIBERTY NATIONAL LIFE
AMERICAN INCOME LIFE/NATIONAL INCOME LIFE
FAMILY HERITAGE
UNITED AMERICAN

GLOBE LIFE


Slide 4

Liberty National
SUPERIOR RATINGS IN THE FINANCIAL WORLD
•A+ (SUPERIOR) FINANCIAL STRENGTH RATING
FROM A.M. BEST COMPANY (AS OF 6/12)

•AA- “VERY STRONG” FINANCIAL STRENGTH RATING
FROM STANDARD & POOR’S (AS OF 9/12)

•A1 INSURER’S FINANCIAL STRENGTH RATING
BY MOODY’S (AS OF 3/12)

•A+ “STRONG” INSURER’S FINANCIAL STRENGTH RATING
BY FITCH (AS OF 6/12)

•WARD’S 50 LIFE-HEALTH LIST
EVERY YEAR SINCE 1995 (AS OF 7/12)


Slide 5

LEADERSHIP
POSITIONS

RAPID
ADVANCEMENT

100+ YEARS
OF BEST PRACTICES

LEADERSHIP
ACADEMY
TRAINING

UNLIMITED
EARNINGS
NATIONAL
ADVANCEMENT
OPPORTUNITIES

BRANCH
OWNERSHIP DUAL MARKET
EXPLOSIVE
GROWTH


Slide 6

Liberty Leadership Positions
at Work for YOU!
BRANCH MANAGER
UNIT MANAGER
ASST. UNIT MANAGER
MANAGER IN
TRAINING
CAREER
AGENT


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I.
WORLD CLASS LEADERSHIP
COACHING AND MANAGEMENT
TRAINING FOR THE INDUSTRY'S BEST


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Slide 9

Liberty National 100+ years
of Best Practices

“LIBERTY LEADERSHIP
DEVELOPMENT
SYSTEMS IN ACTION”


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Liberty Leadership Advantage
 BRANCH MANAGER CERTIFIED RELEASE MEETING
 EARNING REVIEW AND EXPECTATIONS
 ACTIVITY METRICS TO ENSURE SUCCESS
 DUAL MARKET TRAINING SCHEDULE
 CAREER LEADERSHIP TRACK TO PROMOTION


Slide 11

Why Successful People Choose
Leadership at Liberty
LEADERS WANT TO CONTROL
THEIR OWN DESTINY
1. ABILITY TO BUILD A DYNAMIC TEAM
2. OPPORTUNITY TO GROW A BRANCH
3. ACCELERATE PERSONAL EARNINGS
4. BUILD REAL WEALTH WITH RESIDUALS
5. REWARDS AND RECOGNITION
6. ADVANCEMENT TO GREATER LIBERTY
LEADERSHIP ROLES
THE LIBERTY LEADERSHIP ADVANTAGE

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Slide 12

Top Reasons Why
Liberty Leaders Advance
TRAITS WE LOOK FOR AS
A LEADERSHIP CANDIDATE
1. APTITUDE FOR LEADERSHIP

2. COACHABLE/ABILITY TO COACH OTHERS
3. EAGERNESS TO IMPROVE AS A LEADER
4. CLEAR VISION OF SUCCESS FOR YOU AND
THOSE YOU LEAD
5. THE NEED TO EARN SIX FIGURES AND
BUILD REAL WEALTH


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Liberty National
Marketing at Work for You


Slide 14

Dynamic Lead Source
1. CURRENT CUSTOMERS – 3 MILLION POLICIES
2. WORKSITE RE-ENROLLMENTS

3. SPONSORSHIP OPPORTUNITY
•

CHILD SAFE PROGRAM

•

ACCIDENTAL DEATH POLICY

•

MEDFACTS KIT


Slide 15

2012 Average Agent Earnings

Average of Agents with 12 months service


Slide 16

Dual Market Opportunity


Slide 17

Needs-Based Laptop Presentation


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Needs-Based Laptop Presentation


Slide 19

Employee Care Plan
$42.25 month/$9.76 per week
Primary Wage Earner
BENEFIT LIVING BENEFITS

$15,000
$1,000

CRITICAL ILLNESS /
CANCER
EMERGENCY
TREATMENT

BENEFIT FINAL EXPENSE

$15,000

FINAL EXPENSE

35-YEAR-OLD MALE, NONTOBACCO RATES


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Worksite Enrollment –Employee Care plan
WEEKLY
SALES

WEEKLY
ADVANCE

BONUS

TOTAL
WEEKLY
EARNINGS

TOTAL
MONTHLY
EARNINGS

TOTAL
YEARLY
EARNINGS

3

$ 477

$ 211

$ 688

$ 2,981

$ 35,776

4

$ 636

$ 338

$ 974

$ 4,220

$ 50,648

5

$ 795

$ 540

$ 1,335

$ 5,785

$ 69,420

6

$ 955

$ 704

$ 1,659

$ 7,189

$ 86,268

7

$ 1,113

$ 821

$ 1,934

$ 8,380

$100,568

BASED ON PREVIOUS EXAMPLE $42.25 MONTHLY PREMIUM; 70% DIRECT PAY ( MUST
SUBMIT AND ENROLL 2 NEW SECTION 125 CASES IN 2013) AND AT APPLICABLE BONUS;
1.0 DCN MULTIPLIER; NO COMMISSION ACCOUNT DRAW


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Dual Market Leader- Direct Market


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Family Care Plan
$40.73 per month/$9.41 per week
PRIMARY WAGE EARNER

BENEFIT LIVING BENEFITS

$15,000

CRITICAL ILLNESS /
CANCER

BENEFIT Final Expense

$15,000

FINAL EXPENSE

BENEFIT Monthly Earnings

$45,000

MONTHLY EARNINGS

35-YEAR-OLD MALE, NONTOBACCO RATES


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Direct Enrollment–Family Care plan
WEEKLY
SALES

WEEKLY
ADVANCE

WEEKLY
PRODUCTION
PAY

TOTAL
WEEKLY
EARNINGS

TOTAL
MONTHLY
EARNINGS

TOTAL
YEARLY
EARNINGS

2

$500

$185

$685

$2,968

$35,620

3

$750

$334

$1,084

$4,697

$56,368

4

$1,000

$594

$1,594

$6,907

$82,888

5

$1,250

$773

$2,023

$8,766

$105,196

6

$1,500

$928

$2,428

$10,521

$126,256

BASED ON PREVIOUS EXAMPLE $55.70 MONTHLY PREMIUM; 70% DIRECT PAY AND AT
APPLICABLE BONUS; 1.0 DCN MULTIPLIER; NO COMMISSION ACCOUNT DRAW
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Slide 24

Unlimited Branch Growth
Target U.S. market

LIBERTY NATIONAL
LIFE


Slide 25

Leaders Build Real Wealth
with Residual Earnings

The No. 1 financial
reason Leaders
choose a career with
Liberty National is
Residual Earnings.


Slide 26

Residual Earnings (Renewals)

PAID EACH MONTH FROM
POLICIES SOLD IN THE PAST
AND STILL IN EFFECT


Slide 27

Incentives
TORCH CLUB CONVENTION DESTINATIONS
HAVE INCLUDED:
• CAESARS PALACE, LAS
VEGAS
• FONTAINEBLEAU HOTEL,
MIAMI
• CARIBBEAN CRUISE
• PUERTO RICO
• ATLANTIS RESORT,
BAHAMAS


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Slide 29

Opportunity of a Lifetime –
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