Practice MattersApril 2010

• Odyssey Qualification Guide

• A Message From the President

• Notice to Registered Reps

• Your Brand is Your Promise

• GDC Leaders

• Tech Tips

• Premium Comparisons

• Core Directory

Life Brokerage Financial Group

2360 Boy Scout Road, Clearwater, FL 33763

Toll-free (800) 965 5234

Online www.lbfg.net

For Representative and Agent use only

2011 Odyssey Qualification GuideQualification Period: Calendar Year 2010Embarking 2011 / Additional information to be announced. . .

As with all of the previous Life Brokerage Financial Group Odyssey events, you need an amount of earned credits in order to qualify to attend. By attaining the needed qualification credits your cruise fare for our 2011 Odyssey will be paid by LBFG. Additional expenses, including but not limited to shore excursions, drinks, and purchases, are the responsibility of the attendee, not LBFG.

In order to qualify and receive paid cruise-fare (one balcony cabin for qualifying agent and guest only) on behalf of LBFG you must obtain 3,000 qualification credits. Qualification credits and invitation are non-transferrable.

Calculation of Earned Credits

LBFG is awarding Odyssey qualification credits based on the following types of business submitted through LBFG:

Type of Business Credit Awarded A: Registerd Securities GDC Multiple of .01 B: Paid Life Insurance production (Non-Securities Products) Multiple of .03 C: Paid Fixed Index Annuity production Multiple of .002

To calculate your credits simply multiply your GDC, Target, and/or Fixed Indexed Annuity Premium by the multiple listed above. Calculate your total credits for all business. If your qualification credits are 3,000 or more you will receive an invitation for our 2011 Odyssey.

For Reps registered with INVEST all Fixed Index Annuity sales will flow through the Broker-Dealer grid and qualification credit will be awarded as Registered Securities production. For all agents not registered with INVEST qualification credits for paid FIA business will be calculated at .002 of volume.

Example: Qualifying INVEST Rep

Gross Dealer Concession 110,000@.01 = 1,100Paid Life Insurance Production 70,000@.03 = 2,100 Total Credits Earned 3,200

Buy-in

If you earn at least 1,700 qualification credits you will have the opportunity to buy-into our 2011 Odyssey. Simply deduct your earned qualification credits from 3,000 and the remainder is your dollar cost to buy-in. In order to secure your reservation this buy-in amount will be due by January, 31, 2011.

For questions about our next Odyssey contact:

Sheila ExumToll-free (800) 965 5234 sexum@lbfg.net

Example: Qualifying Non-Securities Agent

Paid Life Insurance Production 90,000@.03 = 2,700 Paid FIA Production 200,000@.002 = 400 Total Credits Earned 3,100

I hope everyone was able to ring in 2010 on a good note. Personally, I’m glad 2009 is in the past. The

lyric from Jimmy Buffett’s song “If we couldn’t laugh we would all go insane” seemed to be appro-

priate for 2009 as does “Changes in Attitudes” for 2010. What will be our “Changes in Attitudes” at

Life Brokerage Financial Group in 2010? Let me start by focusing on one area for the next several

months. I really want to focus on developing our service platform with all of the new tools that are

available to us with INVEST and other partner financial organizations.

We are working on a daily basis to answer the following questions:

Do we deliver a platform that allows our advisors to offer “World Class” service their clients? Do we deliver a platform that allows our

advisors to brand their practices? Yes. We will create client-approved branded pieces for you to deliver to your clients on a regular basis.

Can we deliver an easy-to-use platform that will increase the value of their practices, through additional referrals,

market tracking, reminders, etc?

Can we deliver a technology platform that can easily be instituted into our practices without us having to be technology experts? Can

LBFG support it? It’s exciting to know that the technology now exists and we have the ability to actually execute this project. We are in

meetings regularly to discuss and implement this platform.

Moving to the next focus area, LBFG will spend the next quarter hosting meetings with a focus on changing your practice from a

commission based practice to a fee based practice. There are several reasons to think about and implement some of this model, from the

resale value of your practice, to consistent reoccurring revenue, to lesser compliance issues.

As for “Changes in Attitudes”, LBFG believes that times are getting better. We will do things to compliment your efforts with your

clients that allow you to either prosper more or even rebound your practice more than industry average. Can you imagine having a

platform that allows you the ability to service better, communicate better, grow larger, be more compliant, and is easy to use? I want

your clients to say, “My advisor contacts me regularly, provides me with useful information, and keeps me up to date with current

products and opportunities. Doesn’t your advisor do the same?” We know the answer to that question.

As always, thank you for your business. We would not be here without you.

Gary Richardson, Presidentgrichardson@lbfg.net

A Message from the President

Registered Representative, INVEST. INVEST Financial Corporation, member FINRA/SIPC and its affiliated insurance agencies offer

securites, advisory services and certain insurance products, and are not affiliated with Life Brokerage Financial Group.

Registered Reps:

A reminder for our Reps registered with INVEST: All Fixed Index Annuities (Equity Index Annuities) must be processed through INVEST.

Please ensure that these steps are followed to avoid any situations that may be construed as

“Selling Away.” INVEST will periodically receive production reporting from insurance companies

to monitor whether all FIA production is processed through the broker dealer.

Fixed Index Annuities (Equity Index Annuities)

A Fixed Index Annuity (FIA) is a special class of insurance product that links an annuity product with a securities-based index. An FIA is offered without a prospectus. Based on FINRA direction, the Firm has undertaken to supervise the sale of FIAs. RRs who wish to sell FIAs, along with their OSJ Manager, are required to complete INVEST’s training module specific to FIA investments prior to executing their first transaction.

Approved FIA Products

FIA transactions must be conducted through the Firm either through an insurance company directly under contract with INVEST or through an approved Field Marketing Organization (FMO). All approved insurance company and FMO channels related to acceptable FIA transactions may be found within the “Approved FIAs” product list available from the Product section of the Firm’s Website. It is important to note that some approved products may be available for sale either through the Firm or through existing FMO relationships. The Approved FIA Products list indicates which distribution channel applies to each product. The Ap-proved FIA list specifies certain products that are available directly through the Firm and therefore must be sold through INVEST. Please note that the sale of these products directly through the Firm is required even if some of the products on the list are also available through FMOs. For those approved products indicated as “Contract Pending,” these products may not be sold until the required contracts are executed. Updates will be provided as soon as possible following the execution of distribution agreements. RRs must become re-appointed with insurance companies to sell products through the Firm, unless he or she has been selling FIA business through INVEST prior to January 1, 2006. The appointment forms required to become appointed may be found on the Firm’s Website. The approved products that are available only through the FMO channel are also specified on the Approved FIA list. These approved products may be sold outside the Firm (through the RR’s existing FMO relationship) until there is a policy change.

Prohibited FIA Products

It is important to note that RRs may not sell products found on the Prohibited FIA Products list under any circumstances, through any distribution channel. The listing of prohibited products indicates INVEST’s rationale for the unapproved status, product by product.

IMPORTANT NOTE: In the event that the product does not appear on either the Approved FIA or Prohibited FIA lists, the RR is not permitted to sell such product(s) unless and until that particular product has been specifically approved for sale as indicated on an updated version of the Approved FIA list. Please also be reminded that Errors & Omissions insurance coverage does not apply to sales of fixed insurance products underwritten by any insurance company with an A.M. Best company rating below A. From a processing perspective, the paperwork requirements for FIA business are most similar to that of variable annuities (although we note that FIAs should not be considered or positioned as an investment or as a registered securities product). Therefore, in addition to obtaining the normal and customary new account and transactional documentation, copies of the FIA product applications must also be submitted to the Home Office for all FIA transactions. Any sales literature and/or advertising used to market FIAs must be pre-approved by the Advertising Review Unit. Compensation for the sales of FIAs must be paid by the issuer through INVEST.

Mark Duran x455Co-OSJ Branch Manager, LBFG Registered Principal, INVESTmduran@lbfg.net

Michele Allen x437Rep Services, LBFG Associated Person, INVEST

• RR must take the FIA training module on the INVEST website prior to sales.

• Any FIA related advertising material, sales literature, and/or lead programs must be sub-

mitted to INVEST Compliance for approval prior to use.

• FIA product must be listed on the INVEST approved product list.

• FIA transactions must be entered in EOE.

• The client(s) must sign the appropriate disclosures/forms.

• Any compensation paid for FIA’s must run through the INVEST grid.

Your brand is your promise to your clients and it should speak clearly and consistently through all of your communications

Branding does make a difference:

Competitive Edge: Branding is one of the most important aspects of your business. A

consistent brand strategy gives you a major edge in increasingly competitive markets. But

what exactly does “branding” mean and how can it affect your business?

Identity Consistency: A consistent, clean identity is the foundation of your brand. Wheth-

er you choose to adopt the INVEST identity or brand your own DBA name, we will help you

create a strong, identifiable brand. LBFG will design templates and create brand standards

for your marketing materials that will use a consistent color scheme, logo placement, look

and feel throughout.

You don’t always need to be fancy, just consistent.

If you have questions about LBFG Creative Services contact:

Daniel Williams Director, Creative Services(800) 965 5234 x434 | danielpwilliams@gmail.com

LBFG Creative Services can help you build your brand:

• Create your identity (branded DBA or adopt INVEST brand)

• Stationary: business cards, letterheads, envelopes

• Collateral: brochures, newsletters, market analysis

• Web presence branding

• Campaigns and client communication

Rankings based on production of

Reps registered with LBFG and

INVEST from January 2010:

Garyn Angel

Nick Ruggeri

Ray Arias

Greg Corrie

Tom Kosky

Harris Kerker

Matthew Bumstead

Jeff Golubeff

Troy Wold

Sil Arata

Russ Crooks

Rodney Ostlund

Daniel Ostlund

Daniel Bruza

Mike Williams

Fred Hoffman

Mike Livingston

Ricardo Thomas

Jack Galle

Jerry Gintz

Glenn Livingston

Ed Vaught

Van Brown

Steve Koestner

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Our GDC Leaders Tech Tools for Success

To be successful today we must try and squeeze all

we can out of our technology spending. There are many

products that can help you be more productive and

communicate with your clients more effectively…

and many of them are FREE. Here are some products

and services that might help your practice.

Files Anywherewww.filesanywhere.com

• Secure Web Storage• Collaborate Online• Edit Files Directly• Backup and Sync Folders• FREE Digital Outbound Faxing

Open Officewww.openoffice.org

OpenOffice.org 3 is the leading open-source office software suite for word processing, spreadsheets, presentations, graphics, databases and more. It is available in many languages and works on all common computers. It stores all your data in an international open standard format and can also read and write files from other common office software packages. It can be downloaded and used completely free of charge for any purpose.

PDF Creatorwww.pdf-creator.us

Create Professional Adobe® Compatible PDF Documents. PDF Creator is a cost effective solution over the leading PDF product, Adobe Acrobat® 8. PDF Creator allows you to create PDF files from documents, spreadsheets, presen-tations, emails, websites, and virtually any file that can be printed.

Redtail CRMwww.redtailtechnology.com

Redtail CRM is a web-based, easy-to-use client management solution designed specifically for Financial Professionals.

Stamps.comwww.stamps.com

Print exact postage for letters and packages using just your PC and printer.

We do Fixed BusinessYes we do, and we can be your General Agency too.

Life Brokerage Financial Group is

not only a good business partner for

Represenatatives affiliated with the

Broker-Dealer community, but we also

offer world-class service and very com-

petitive compensation when it comes to

your Fixed Insurance needs as well.

LBFG is contracted with over 30

brand name insurance carriers and is

licensed to conduct business in almost

every state. We offer a variety of prod-

uct lines such as: Term, UL, IUL, WL,

Fixed Annuities, Fixed Index Annui-

ties, LTC and Disability. Whatever

your insurance need, whether it be

domestic or foreign, LBFG can assist

in designing the right solution for your

clients needs.

Our back-office is comprised of

Brokerage Directors (case design and

illustrations), Case Managers, and

licensing and commissions support.

From start to finish on all of your

business, whether fixed or variable,

life or annuity, term, permanent, we

are dedicated to placing your cases.

Our knowledgeable staff of brokerage

directors and sales support specialists

carefully follows each case to comple-

tion so you don’t have to.

If you’re affiliated with INVEST, ask us

how your fixed business can be used as

a means to increase your GDC. LBFG

would like the opportunity to earn your

business. Please feel free to contact us

with any questions you may have or to

set-up a time for us to walk through the

various tools available on our

user-friendly website, www.lbfg.net.

Our easy to navigate website features the technology you need:

• 24-hour access to carrier appointment paperwork• Quotes: Term, GUL, Annuity • Carrier ratings • Pemium comparisions• Electronic apps with iGo• Carrier forms and software• Case status

Jim Bessell x420Chief Financial Officer jbessell@lbfg.net

Heather Dubay x430Director, Contracting/Licensinghdubay@lbfg.net

Naomi Stekol x413Case Managernstekol@lbfg.net

Sheila Exum x425Case Managersexum@lbfg.net

Premium ComparisonsComparisons and ratings as of February 8, 2010. Find expanded Carrier Ratings and additional comparison

tables for Standard Non-Smoker and Standard Smoker on our website, www.lbfg.net.

Rating: Best Class Available | Sex: Male | Specified Amount: $1,000,000.00 Pay Premiums: Annual, All Years | As of: 02/08/2010

Company Product Rating Age 35 Age 45 Age 55 Age 65 Age 75

Allianz Generation Planner A $ 5,182.00 $ 7,569.00 $ 11,722.00 $ 120,191.00 $ 48,970.00

American General ContiUL A $ 5,116.00 $ 7,968.00 $ 12,941.00 $ 22,261.00 $ 39,582.00

American National LTG UL A $ 4,490.00 $ 6,580.00 $ 11,190.00 $ 19,650.00 $ 40,830.00

Aviva Advantage Builder A $ 4,224.00(3) $ 6,311.00(4) $ 10,157.00(2) $ 18,818.00 $ 38,409.00

Hancock USA Protection UL A+ $ 4,381.00(4) $ 7,010.00 $ 10,840.00 $ 18,610.00(4) $ 33,770.00(3)

ING (SLD) GD BUL A $ 4,808.00 $ 7,718.00 $ 12,148.00 $ 20,946.00 $ 38,298.00

Lincoln BL Legacy Secure A+ $ 5,459.00 $ 7,741.00 $ 11,794.00 $ 21,273.00 $ 39,034.00

MetLife Guaranteed Advantage A+ $ 4,807.00 $ 6,167.00(1) $ 10,511.00(4) $ 19,218.00 $ 40,556.00

Nationwide Your Life No-Lapse Guar. A+ $ 5,458.00 $ 6,438.00(5) $ 9,981.00(1) $ 16,993.00(1) $ 42,950.00

North American Custom Guarantee A+ $ 3,858.00(1) $ 6,188.00(2) $ 10218.00(3) $ 18,288.00(2) $ 36,288.00(5)

Old Mutual Master Choice Extended A- $ 7,080.00 $ 13,200.00 $ 18,840.00 $ 30,961.00 $ 55,560.00

Principal UL Life Protector A+ $ 4,950.00 $ 7,250.00 $ 10,970.00 $ 18,420.00(3) $ 34,160.00(4)

Prudential UL Protector A+ $ 4,438.00 $ 7,057.00 $ 11,429.00 $ 20,262.00 $ 33,480.00(1)

TransAmerica Trans ACE A+ $ 4,390.00(5) $ 7,040.00 $ 11,050.00 $ 19,600.00 $ 38,480.00

Sun Universal Protector A+ $ 4,593.00 $ 7,313.00 $ 11,004.00 $ 18,890.00 $ 36,610.00

United of Omaha GUL Complete A+ $ 5,481.00 $ 7,224.00 $ 11,376.00 $ 19,755.00 $ 39,461.00

West Coast Life Lifetime Platinum A+ $ 4,128.00(2) $ 6290.00(3) $ 10,741.00(5) $ 18799.00(5) $ 33,480.00(2)

Rating: Best Class Available | Sex: Female | Specified Amount: $1,000,000.00 Pay Premiums: Annual, All Years | As of: 02/08/2010

Company Product Rating Age 35 Age 45 Age 55 Age 65 Age 75

Allianz Generation Planner A $ 4,228.00 $ 6,101.00 $ 9,715.00 $ 15,843.00 $ 35,156.00

American General ContiUL A $ 4,416.00 $ 6,773.00 $ 10,727.00 $ 17,693.00 $ 35,465.00

American National LTG UL A $ 3,440.00(5) $ 5,190.00(5) $ 9,180.00 $ 16,500.00 $ 34,230.00

Aviva Advantage Builder A $ 3,359.00(3) $ 5,173.00(4) $ 8,527.00(2) $ 14,762.00(2) $ 29,232.00(4)

Hancock USA Protection UL A+ $ 3,322.00(2) $ 5,295.00 $ 8,795.00(3) $ 14,840.00(3) $ 28,040.00(2)

ING (SLD) GD BUL A $ 3,658.00 $ 5,828.00 $ 9,676.00 $ 16,958.00 $ 30,658.00

Lincoln BL Legacy Secure A+ $ 4,366.00 $ 6,250.00 $ 9,795.00 $ 16,618.00 $ 30,363.00

MetLife Guaranteed Advantage A+ $ 4,000.00 $ 5,016.00(2) $ 9,054.00 $ 15,147.00 $ 34,793.00

Nationwide Your Life No-Lapse Guar. A+ $ 4,217.00 $ 5,082.00(3) $ 8,000.00(1) $ 13,060.00(1) $ 31,095.00

North American Custom Guarantee A+ $ 3,418.00(4) $ 5,428.00 $ 8,858.00(5) $ 15,098.00(5) $ 30,808.00

Old Mutual Master Choice Extended A- $ 5,640.00 $ 10,560.00 $ 15,480.00 $ 26,400.00 $ 43,080.00

Principal UL Life Protector A+ $ 4,280.00 $ 5,700.00 $ 9,250.00 $ 14,950.00(4) $ 28,060.00(3)

Prudential UL Protector A+ $ 3,516.00 $ 5,496.00 $ 9,249.00 $ 15,746.00 $ 34,592.00

TransAmerica Trans ACE A+ $ 3,710.00 $ 5,800.00 $ 9,440.00 $ 15,750.00 $ 31,920.00

Sun Universal Protector A+ $ 3,771.00 $ 5,996.00 $ 9,392.00 $ 15,270.00 $ 29,613.00(5)

United of Omaha GUL Complete A+ $ 4,491.00 $ 5,711.00 $ 9,199.00 $ 15,799.00 $ 32,324.00

West Coast Life Lifetime Platinum A+ $ 3,290.00(1) $ 4,893.00(1) $ 8,848.00(4) $ 15,290.00 $ 27,900.00(1)

Mark Duran x455Co-OSJ Branch Mngr, LBFG Registered Principal, INVESTmduran@lbfg.net

Michele Allen x437Rep Services, LBFG Associated Person, INVESTmallen@lbfg.net

Jason Hunt x457 Compliance Officer, LBFGRegistered Representative, INVEST jhunt@lbfg.net

RetailLBFG is committed to providing our securities reps with all the necessary resources. Our support team is available to assist you in resolving problems and providing you with the tools you need.

Doug Shellabarger x432 Brokerage Director Registered Representative, INVEST dshellabarger@lbfg.net

Tom Robichaux x435Brokerage Directortomr@lbfg.net

Tony Grzanowski x428 Brokerage Director tonyg@lbfg.net

John Mitchell, CLTC x502 Brokerage Director, LTCjmitchell@lbfg.net

BrokerageContact one of our brokerage directors to design your life case, run illustrations, or if you need help with pre-application underwriting. They can help with all life products: Term, UL, WL, and VUL.

Daniel Williams x434 Director, Creative Servicesdwilliams@lbfg.net

Creative Services

Hal Gainey x429Chief Information Officerhgainey@lbfg.net

Technology

Heather Dubay x430Director, Contracting/Licensinghdubay@lbfg.net

Contracting

Commissions

Jim Bessell x420Chief Financial Officerjbessell@lbfg.net

Peg Mandemaker x423Director, Accountingpmandemaker@lbfg.net

Case Management

Naomi Stekol x413Case Managernstekol@lbfg.net

Sheila Exum x425Case Managersexum@lbfg.net

Our Core Directory

ExecutiveGary Richardson x426President grichardson@lbfg.net

Jim Bessell x420Chief Financial Officer jbessell@lbfg.net

Toll-free (800) 965 5234 Online www.lbfg.net