paperwork - precoa

23
PRECOA - The CompletePreneed Company 1 PAPERWORK • Workbook •

Upload: others

Post on 16-Mar-2022

8 views

Category:

Documents


0 download

TRANSCRIPT

Page 1: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

1

P A P E R W O R K• Workbook •

Page 2: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

2

Page 3: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

3

DoWnloaD rate carD & calculator

Online Rate Calculator

Links are located on the resource tab of the counselor portal or on the funeral home portal (www.precoa.com/fh)

Excel Rate Calculator

Download from the resource tab on the counselor portal or from the

funeral home portal (www.precoa.com/fh)

Paper Rate Card

Download from the “Order Supplies” section on the Resource Tab of the

Counselor Portal.

Page 4: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

4

use the rate card to answer the following: What is the oldest someone can elect to do a standard 3-year pay plan? ____________ graded? ____________

What is the oldest someone can elect to do a standard 5-year pay plan? ____________ graded? ____________

What is the oldest someone can elect to do a standard 10-year pay plan? ____________ graded? ____________

What is the oldest someone can elect to do a standard 20-year pay plan? ____________ graded? ____________

Does an 81-year-old unhealthy person qualify for 10-year plan? ____________ 20-year plan? ____________

What is the graded death benefit during the 1st year of a 5 year plan? __________________________

What is the graded death benefit during the 2nd year of a 10 year plan? __________________________

What is the graded death benefit during the 3rd year of a 20 year plan? __________________________

What is the minimum initial face amount? ____________ minimum down payment? ____________

What is the maximum initial face amount? ____________ maximum down payment? ____________

Over 1 year, how much extra will a policy owner pay if doing a monthly direct bill? ______________

Over 1 year, how much more will a policy owner pay if doing a quarterly direct bill? ______________

Over 1 year, how much more will a policy owner pay if doing a semi-annual direct bill? ______________

Over 1 year, how much more will a policy owner pay if doing an annual direct bill? ______________

An insured who answers “yes” to the first health question will be placed on which benefit determination? ______________

An insured who answers “no” to all of the health questions will be placed on which benefit determination? _____________

Page 5: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

5

App Exercise 1-Alice: Age 58, Single Premium, $3,995 FA (face amount), Healthy

App Exercise 2-Brandon: Age 83, 10 yr., EFT, $8,000 FA, Healthy

App Exercise 3-Christy: Age 72, 20 yr., EFT, $6,500 FA, $1,500 DP (down payment), Healthy

App Exercise 3a-Jamie: Age 72, 20 yr., EFT, $6,500 FA, $1,500 DP (down payment), Healthy, Include 1st month’s premium

Page 6: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

6

App Exercise 4-Debra: Age 75, $8,967 FA, 10 yr., Semi-annual, Healthy

App Exercise 5-Elizabeth: Age 68, $3,900 FA, 10 yr., annual, $2,100 DP

App Exercise 6-Frank: Age 54, $5,297 FA, Dying of Cancer (TI)

App Exercise 7-George: Age 67, $2,900 FA, 20 yr., Direct Bill, Stroke 2.5 years ago (no current medication)

Page 7: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

7

App Exercise 8-Harriot: Age 85, $3,400 FA, 10 yr., EFT, wants to pay $350 today

App Exercise 9-Ian: Age 62, 10 yr., EFT, Healthy, Can only afford $55/month

App Exercise 10-Justin: Age 85, $5000 FA, 10 yr., EFT, $2,000 DP, Healthy

App Exercise 11-Katie: Age 29, $5000 FA, 10 yr., EFT, $2,000 DP, Healthy (compare with Justin)

Page 8: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

8

DaviD G. Barnes

Contact Information

David G. barnes

153 Meadow View Drive

Hartford, ct 06103

860-545-6307

[email protected]

Pass: ahW6Quaej1

DOB: January 30 (62 years old)

Visa: 5224 5632 1178 0362

Exp: 8/2013

SSN: XXX-XX-4037

Occu: General contractor

Beneficiary: Harvey barnes (son)

Blood: A+

Weight:182.4 lbs

Height: 6’ 0”

Health: Healthy

beg inner

backGrounDDavid Barnes is a 62 year-old from Hartford, CT.

He fought in Vietnam and is now retired. He lost his wife unexpectedly

earlier this year and they had never discussed her final wishes. David is

still questioning whether or not he did the right thing.

David filled out the survey from the Funeral Home because he was

interested in finding a place where he could record his final wishes so

they are met in every detail. David is very particular about his funeral

plans.

concernDavid heard about preplanning from a colleague from the

Rotary Club but doesn’t quite see the need because of his

large life insurance policy.

Funeral PreFerencesHe incurred quite an expense paying for his wife’s funeral

and has chosen to fund his $4,300 cremation over a 10 year

EFT. Although David wants to be cremated he would like

to have some type of service. He would like payments to be

withdrawn on the 11th of the month.

Page 9: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

9

3000PN-I-KY 06-11 WHITE COPY - Insurance Company YELLOW COPY - Funeral Firm/Producers PINK COPY - Family

APPLICATION FOR INSURANCE/ANNUITY National Guardian Life Insurance Company (NGL)

Phone 800.988.0826 - Fax 866.228.9927 Two East Gilman Street - PO Box 1191 - Madison WI 53701-1191

1. REQUIRED: Have you been diagnosed by a physician with a terminal illness or are you receiving hospice care?

2. Are you confined to a bed, hospitalized, scheduled for surgery requiring an overnight hospital stay, or receiving skilled nursing care; OR within the past two (2) years, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: stroke, organ transplant, cancer (other than skin), immune system disorder; OR within the past one (1) year, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: COPD (Chronic Obstructive Pulmonary Disease), emphysema, chronic heart disease, congestive heart failure, or cirrhosis of the liver, kidney/renal failure, kidney dialysis, Alzheimer's disease, ALS (Amyotrophic Lateral Sclerosis) or amputation due to disease? Multipay Plan: If NO on question 1 and YES or not answered to question 2, death benefit will be limited. If YES on question 1 or not answered, an Annuity is available.

4.

1.First Name MI Last Name Male

Female

Date of Birth Age SSN

POLICY OWNER'S INFORMATION (If other than proposed insured)First Name MI Last Name Relationship SSN

3. MAILING ADDRESS (For delivery of policy and billings)Address

Secondary Phone Number

Email

State

Primary Phone Number

IRREVOCABLE ASSIGNMENT (Initial only if the Policy should be irrevocably assigned.)9.

I elect to assign this Policy subject to the terms of the Irrevocable Assignment of Policy on the last page of this form.

Owner Initials

Yes No

Yes No

REPLACEMENTYes NoYes NoYes NoYes No

7.APPLICANT REPLACEMENT - Do you have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force? If "Yes", complete required replacement form(s). AGENT REPLACEMENT - Does the applicant have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force?

To the best of my knowledge and belief, the above information is true and complete. I understand that no insurance will be effective until this form is approved and the Policy is issued while the Insured is living. I authorize NGL to share my nonpublic personal information with any Funeral Provider with whom I have a Prefunded Funeral Agreement. If I am the Owner for insurance on the life of the Proposed Insured, I certify that I have an insurable interest in his or her life. If Monthly EFT is selected, the Insured and/or Owner authorize the withdrawal of all premiums due from the account provided. I acknowledge that I have read all information on the last page of this form.

8. SIGNATURES AND POLICY OWNER'S STATEMENT

Signature of Proposed Insured X Signature of

Policy OwnerCity & State Date

10. PRODUCER'S STATEMENT AND SIGNATUREAGENT'S STATEMENT: The Insured's signature personally witnessed by an agent for the company. I certify that any information recorded by me on this form is true and accurate to the best of my knowledge. Only insurer approved sales materials were used in conjunction with this sale, copies of which were left with the applicant.

Appointment Code

Signature of Producer

Printed Name of Producer

Producer Number

WAS WAS NOT

Zip

2.

City

PROPOSED INSURED'S INFORMATION

HEALTH QUESTIONS (Addressed to proposed insured)

5.

Face and Payment Amount Information

Payment Date (1-28th)

Monthly EFT - Total First Payment and ongoing Monthly Payments (include voided check)

Payment Mode Single Pay EFT From Checking

Montly EFT - Total First Payment ONLY (include voided check/one-time withdrawal)

Multi Pay EFT From Checking

Complete Payment Authorization Form

Single Pay

Available Plans

3 Year Pay

5 Year Pay

10 Year Pay

20 Year Pay

Annuity Other Payment Options

6. DIRECTIONS FOR PAYMENT OF PROCEEDS (Do not complete until you have read the last page of this form for important information)Name of Funeral Provider

Zip Beneficiary (other than Funeral Firm)

Relationship

PLAN AND PAYMENT DETAILS

Face Amount Monthly Payment Amount Payment Today

Single Pay $ $

Multi Pay $ $ $

Total Face Amount $_____________________ Total First Payment $ ____________________

Page 10: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

10

Kathleen j. Frazier

Contact Information

kathleen J. Frazier

4000 apple lane

Davenport, Il 52807

309-269-7350

[email protected]

Pass: longeesoh4Z

DOB: January 15 (57 years old)

Visa: 4556 0003 7417 7343

Exp: 7/2011

SSN: XXX-XX-3900

Occu: chemist

Beneficiary: cheryl stevens (sister)

Blood: b+

Weight:170.1 lbs

Height: 5’ 5”

Health: kathleen is healthy. she is

a cancer survivor of five years. she

takes no continual treatment.

beg inner

backGrounDKathleen Frazier is a 57 year-old widow from Davenport, IL.

Three years ago her husband passed away and left her and

the children struggling for answers even though the cost

was bearable. Kathleen and her husband didn’t spend any

time discussing funeral arrangements and it was hard on

her.

Kathleen completed a survey sent by the Funeral Home because she

was interested in receiving a Final Wishes Organizer. She doesn’t want

her children to have to go through the same emotional struggles that

she did. She wants all the details to be planned so her children don’t

have to wonder what it is that she wants.

concernAlthough she wants her funeral details planned she is

nervous about purchasing a policy because she may end

up moving back to her hometown of Chicago.

Funeral PreFerencesKathleen would like a traditional service with a viewing.

She wants to make a $2,100 down payment to her $7,500

funeral. She would like to pay the remaining amount

($5,400) on a 10-year automatic withdrawal. Kathleen

would like payments to be withdrawn on the 5th of the

month.

Page 11: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

11

3000PN-I-KY 06-11 WHITE COPY - Insurance Company YELLOW COPY - Funeral Firm/Producers PINK COPY - Family

APPLICATION FOR INSURANCE/ANNUITY National Guardian Life Insurance Company (NGL)

Phone 800.988.0826 - Fax 866.228.9927 Two East Gilman Street - PO Box 1191 - Madison WI 53701-1191

1. REQUIRED: Have you been diagnosed by a physician with a terminal illness or are you receiving hospice care?

2. Are you confined to a bed, hospitalized, scheduled for surgery requiring an overnight hospital stay, or receiving skilled nursing care; OR within the past two (2) years, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: stroke, organ transplant, cancer (other than skin), immune system disorder; OR within the past one (1) year, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: COPD (Chronic Obstructive Pulmonary Disease), emphysema, chronic heart disease, congestive heart failure, or cirrhosis of the liver, kidney/renal failure, kidney dialysis, Alzheimer's disease, ALS (Amyotrophic Lateral Sclerosis) or amputation due to disease? Multipay Plan: If NO on question 1 and YES or not answered to question 2, death benefit will be limited. If YES on question 1 or not answered, an Annuity is available.

4.

1.First Name MI Last Name Male

Female

Date of Birth Age SSN

POLICY OWNER'S INFORMATION (If other than proposed insured)First Name MI Last Name Relationship SSN

3. MAILING ADDRESS (For delivery of policy and billings)Address

Secondary Phone Number

Email

State

Primary Phone Number

IRREVOCABLE ASSIGNMENT (Initial only if the Policy should be irrevocably assigned.)9.

I elect to assign this Policy subject to the terms of the Irrevocable Assignment of Policy on the last page of this form.

Owner Initials

Yes No

Yes No

REPLACEMENTYes NoYes NoYes NoYes No

7.APPLICANT REPLACEMENT - Do you have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force? If "Yes", complete required replacement form(s). AGENT REPLACEMENT - Does the applicant have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force?

To the best of my knowledge and belief, the above information is true and complete. I understand that no insurance will be effective until this form is approved and the Policy is issued while the Insured is living. I authorize NGL to share my nonpublic personal information with any Funeral Provider with whom I have a Prefunded Funeral Agreement. If I am the Owner for insurance on the life of the Proposed Insured, I certify that I have an insurable interest in his or her life. If Monthly EFT is selected, the Insured and/or Owner authorize the withdrawal of all premiums due from the account provided. I acknowledge that I have read all information on the last page of this form.

8. SIGNATURES AND POLICY OWNER'S STATEMENT

Signature of Proposed Insured X Signature of

Policy OwnerCity & State Date

10. PRODUCER'S STATEMENT AND SIGNATUREAGENT'S STATEMENT: The Insured's signature personally witnessed by an agent for the company. I certify that any information recorded by me on this form is true and accurate to the best of my knowledge. Only insurer approved sales materials were used in conjunction with this sale, copies of which were left with the applicant.

Appointment Code

Signature of Producer

Printed Name of Producer

Producer Number

WAS WAS NOT

Zip

2.

City

PROPOSED INSURED'S INFORMATION

HEALTH QUESTIONS (Addressed to proposed insured)

5.

Face and Payment Amount Information

Payment Date (1-28th)

Monthly EFT - Total First Payment and ongoing Monthly Payments (include voided check)

Payment Mode Single Pay EFT From Checking

Montly EFT - Total First Payment ONLY (include voided check/one-time withdrawal)

Multi Pay EFT From Checking

Complete Payment Authorization Form

Single Pay

Available Plans

3 Year Pay

5 Year Pay

10 Year Pay

20 Year Pay

Annuity Other Payment Options

6. DIRECTIONS FOR PAYMENT OF PROCEEDS (Do not complete until you have read the last page of this form for important information)Name of Funeral Provider

Zip Beneficiary (other than Funeral Firm)

Relationship

PLAN AND PAYMENT DETAILS

Face Amount Monthly Payment Amount Payment Today

Single Pay $ $

Multi Pay $ $ $

Total Face Amount $_____________________ Total First Payment $ ____________________

Page 12: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

12

shelBy s. aDam

Contact Information

shelby s. adam

446 Wright ct.

birmingham, al 35205

205-937-3046

[email protected]

Pass: vivee5shi

DOB: June 7 (92 years old)

Visa: 4556 0003 7417 7343

Exp: 7/2011

SSN: XXX-XX-9323

Occu: lens Grinder

Beneficiary: Meredith Young (sister)

Blood: O+

Weight:164 lbs

Height: 5’ 9”

Health: Healthy

In termediate

backGrounDShelby is 97 years old and lives in her small apartment in

Birmingham, Alabama.

Her best friend Maggie passed away 6 months ago and it has left

her thinking about her own funeral and how she would want her life

celebrated.

After many years of seeing the funeral home survey, she finally decided

to fill one out. Deep down she wants to have a beautiful service with

friends and family. However, she doesn’t want her beautiful funeral to

be a hassle for her children and grandchildren.

concernShe is contemplating doing two days of viewings, with a

ceremony, and a graveside service. No matter what she

decides, she wants to discuss it first with her 6 children and

some of her older grandchildren.

Funeral PreFerencesShelby would like to pay for her $13,995 funeral all at once.

She’s willing to pay what it costs to make it a beautiful

experience for those in attendance.

Page 13: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

13

3000PN-I-KY 06-11 WHITE COPY - Insurance Company YELLOW COPY - Funeral Firm/Producers PINK COPY - Family

APPLICATION FOR INSURANCE/ANNUITY National Guardian Life Insurance Company (NGL)

Phone 800.988.0826 - Fax 866.228.9927 Two East Gilman Street - PO Box 1191 - Madison WI 53701-1191

1. REQUIRED: Have you been diagnosed by a physician with a terminal illness or are you receiving hospice care?

2. Are you confined to a bed, hospitalized, scheduled for surgery requiring an overnight hospital stay, or receiving skilled nursing care; OR within the past two (2) years, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: stroke, organ transplant, cancer (other than skin), immune system disorder; OR within the past one (1) year, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: COPD (Chronic Obstructive Pulmonary Disease), emphysema, chronic heart disease, congestive heart failure, or cirrhosis of the liver, kidney/renal failure, kidney dialysis, Alzheimer's disease, ALS (Amyotrophic Lateral Sclerosis) or amputation due to disease? Multipay Plan: If NO on question 1 and YES or not answered to question 2, death benefit will be limited. If YES on question 1 or not answered, an Annuity is available.

4.

1.First Name MI Last Name Male

Female

Date of Birth Age SSN

POLICY OWNER'S INFORMATION (If other than proposed insured)First Name MI Last Name Relationship SSN

3. MAILING ADDRESS (For delivery of policy and billings)Address

Secondary Phone Number

Email

State

Primary Phone Number

IRREVOCABLE ASSIGNMENT (Initial only if the Policy should be irrevocably assigned.)9.

I elect to assign this Policy subject to the terms of the Irrevocable Assignment of Policy on the last page of this form.

Owner Initials

Yes No

Yes No

REPLACEMENTYes NoYes NoYes NoYes No

7.APPLICANT REPLACEMENT - Do you have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force? If "Yes", complete required replacement form(s). AGENT REPLACEMENT - Does the applicant have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force?

To the best of my knowledge and belief, the above information is true and complete. I understand that no insurance will be effective until this form is approved and the Policy is issued while the Insured is living. I authorize NGL to share my nonpublic personal information with any Funeral Provider with whom I have a Prefunded Funeral Agreement. If I am the Owner for insurance on the life of the Proposed Insured, I certify that I have an insurable interest in his or her life. If Monthly EFT is selected, the Insured and/or Owner authorize the withdrawal of all premiums due from the account provided. I acknowledge that I have read all information on the last page of this form.

8. SIGNATURES AND POLICY OWNER'S STATEMENT

Signature of Proposed Insured X Signature of

Policy OwnerCity & State Date

10. PRODUCER'S STATEMENT AND SIGNATUREAGENT'S STATEMENT: The Insured's signature personally witnessed by an agent for the company. I certify that any information recorded by me on this form is true and accurate to the best of my knowledge. Only insurer approved sales materials were used in conjunction with this sale, copies of which were left with the applicant.

Appointment Code

Signature of Producer

Printed Name of Producer

Producer Number

WAS WAS NOT

Zip

2.

City

PROPOSED INSURED'S INFORMATION

HEALTH QUESTIONS (Addressed to proposed insured)

5.

Face and Payment Amount Information

Payment Date (1-28th)

Monthly EFT - Total First Payment and ongoing Monthly Payments (include voided check)

Payment Mode Single Pay EFT From Checking

Montly EFT - Total First Payment ONLY (include voided check/one-time withdrawal)

Multi Pay EFT From Checking

Complete Payment Authorization Form

Single Pay

Available Plans

3 Year Pay

5 Year Pay

10 Year Pay

20 Year Pay

Annuity Other Payment Options

6. DIRECTIONS FOR PAYMENT OF PROCEEDS (Do not complete until you have read the last page of this form for important information)Name of Funeral Provider

Zip Beneficiary (other than Funeral Firm)

Relationship

PLAN AND PAYMENT DETAILS

Face Amount Monthly Payment Amount Payment Today

Single Pay $ $

Multi Pay $ $ $

Total Face Amount $_____________________ Total First Payment $ ____________________

Page 14: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

14

Connie j. BuCKley

Contact Information

connie J. buckley

1764 ten mile rd.

bedford, Ma 01730

781-689-7628

[email protected]

Pass: ah47734

DOB: May 30 (69 years old)

Visa: 5224 5632 1178 0362

Exp: 8/2016

SSN: XXX-XX-1754

Occu: Marketing analyst

Beneficiary: Hillary smith (daughter)

Blood: O+

Weight:120 lbs

Height: 5’ 5”

Health: Healthy

In termediate

backGrounDConnie is 69 years old and her hometown is in Bedford, MA.

Her younger sister just preplanned because she saw how seamless the

process was when her mother-in-law passed away the year before. She

recommended the Connie check it out.

Connie received a survey from the funeral home and decided to

send it in. Connie and her husband (veteran in WWII) have done well

financially but have always been frugal in their decisions. They are

retired and have raised a family of four children. They have 3 beautiful

grandchildren with two more on the way.

Lately, she has been thinking about her children and grandchildren.

And while her children all love each other very much she is concerned

about how well they will work together if she and her husband were to

pass away. She wants her funeral to bring her family together; not drive

them apart.

concernShe is interested in what her options are, but she is a

thinker. Connie would like some time to think things over,

do some research, and compare prices and products.

Funeral PreFerencesConnie would like to make a $1,500 down payment to

her $5,200 traditional funeral. She would like to pay the

remaining amount on a 5-year automatic withdrawal. She

would like payments to be withdrawn on the 20th of the

month.

Page 15: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

15

3000PN-I-KY 06-11 WHITE COPY - Insurance Company YELLOW COPY - Funeral Firm/Producers PINK COPY - Family

APPLICATION FOR INSURANCE/ANNUITY National Guardian Life Insurance Company (NGL)

Phone 800.988.0826 - Fax 866.228.9927 Two East Gilman Street - PO Box 1191 - Madison WI 53701-1191

1. REQUIRED: Have you been diagnosed by a physician with a terminal illness or are you receiving hospice care?

2. Are you confined to a bed, hospitalized, scheduled for surgery requiring an overnight hospital stay, or receiving skilled nursing care; OR within the past two (2) years, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: stroke, organ transplant, cancer (other than skin), immune system disorder; OR within the past one (1) year, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: COPD (Chronic Obstructive Pulmonary Disease), emphysema, chronic heart disease, congestive heart failure, or cirrhosis of the liver, kidney/renal failure, kidney dialysis, Alzheimer's disease, ALS (Amyotrophic Lateral Sclerosis) or amputation due to disease? Multipay Plan: If NO on question 1 and YES or not answered to question 2, death benefit will be limited. If YES on question 1 or not answered, an Annuity is available.

4.

1.First Name MI Last Name Male

Female

Date of Birth Age SSN

POLICY OWNER'S INFORMATION (If other than proposed insured)First Name MI Last Name Relationship SSN

3. MAILING ADDRESS (For delivery of policy and billings)Address

Secondary Phone Number

Email

State

Primary Phone Number

IRREVOCABLE ASSIGNMENT (Initial only if the Policy should be irrevocably assigned.)9.

I elect to assign this Policy subject to the terms of the Irrevocable Assignment of Policy on the last page of this form.

Owner Initials

Yes No

Yes No

REPLACEMENTYes NoYes NoYes NoYes No

7.APPLICANT REPLACEMENT - Do you have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force? If "Yes", complete required replacement form(s). AGENT REPLACEMENT - Does the applicant have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force?

To the best of my knowledge and belief, the above information is true and complete. I understand that no insurance will be effective until this form is approved and the Policy is issued while the Insured is living. I authorize NGL to share my nonpublic personal information with any Funeral Provider with whom I have a Prefunded Funeral Agreement. If I am the Owner for insurance on the life of the Proposed Insured, I certify that I have an insurable interest in his or her life. If Monthly EFT is selected, the Insured and/or Owner authorize the withdrawal of all premiums due from the account provided. I acknowledge that I have read all information on the last page of this form.

8. SIGNATURES AND POLICY OWNER'S STATEMENT

Signature of Proposed Insured X Signature of

Policy OwnerCity & State Date

10. PRODUCER'S STATEMENT AND SIGNATUREAGENT'S STATEMENT: The Insured's signature personally witnessed by an agent for the company. I certify that any information recorded by me on this form is true and accurate to the best of my knowledge. Only insurer approved sales materials were used in conjunction with this sale, copies of which were left with the applicant.

Appointment Code

Signature of Producer

Printed Name of Producer

Producer Number

WAS WAS NOT

Zip

2.

City

PROPOSED INSURED'S INFORMATION

HEALTH QUESTIONS (Addressed to proposed insured)

5.

Face and Payment Amount Information

Payment Date (1-28th)

Monthly EFT - Total First Payment and ongoing Monthly Payments (include voided check)

Payment Mode Single Pay EFT From Checking

Montly EFT - Total First Payment ONLY (include voided check/one-time withdrawal)

Multi Pay EFT From Checking

Complete Payment Authorization Form

Single Pay

Available Plans

3 Year Pay

5 Year Pay

10 Year Pay

20 Year Pay

Annuity Other Payment Options

6. DIRECTIONS FOR PAYMENT OF PROCEEDS (Do not complete until you have read the last page of this form for important information)Name of Funeral Provider

Zip Beneficiary (other than Funeral Firm)

Relationship

PLAN AND PAYMENT DETAILS

Face Amount Monthly Payment Amount Payment Today

Single Pay $ $

Multi Pay $ $ $

Total Face Amount $_____________________ Total First Payment $ ____________________

Page 16: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

16

Galen & sara Davis

Contact Information

Galen r. Davis

sara o. Davis

4264 aaron smith Dr.

Portland, or 97070

503-712-2341

[email protected]

Pass: galen8739

DOB: G: June 26 (54 years old)

s: sep. 13 (53 years old)

Visa: 4125 0054 4798 5482

Exp: 7/2015

SSN: G: XXX-XX-4568

s: XXX-XX-7587

Occu: G: Hospitality

s: social Work

Beneficiary: G/s: Mark Davis (son)

Blood: G: b+ s: o-

Weight: G: 184 lbs s: 137

lbs

Height: G: 6’ 1” s: 5’5”

Health: G: lung cancer

s: Healthy

advanced

backGrounDGalen and Sara have been married for over 20 years and

love living on the west coast.

Last year, Galen found out that he had lung cancer. Things have never

been the same. Sara had to find a part time job to pay the extra medical

bills. They have heard about preplanning but are very skeptical about

the benefits. A friend referred a counselor to them and practically

is forcing them to meet with you. They have already been taken

advantage of with medical fees.

concernGalen and Sara have two children and one grandchild. Sara

doesn’t even want to think about her funeral, let alone

Galen’s funeral, and the mere topic makes her upset. In

addition, they have already cashed in their life insurance to

cover medical expenses and only have a small reserve of

cash stored up.

Funeral PreFerencesThey would both like a basic cremation costing $2,500

each. They can afford to pay for one funeral in cash and the

other would need to be paid over a 20-year period. They

would prefer to be billed on a quarterly basis.

Page 17: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

17

3000PN-I-KY 06-11 WHITE COPY - Insurance Company YELLOW COPY - Funeral Firm/Producers PINK COPY - Family

APPLICATION FOR INSURANCE/ANNUITY National Guardian Life Insurance Company (NGL)

Phone 800.988.0826 - Fax 866.228.9927 Two East Gilman Street - PO Box 1191 - Madison WI 53701-1191

1. REQUIRED: Have you been diagnosed by a physician with a terminal illness or are you receiving hospice care?

2. Are you confined to a bed, hospitalized, scheduled for surgery requiring an overnight hospital stay, or receiving skilled nursing care; OR within the past two (2) years, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: stroke, organ transplant, cancer (other than skin), immune system disorder; OR within the past one (1) year, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: COPD (Chronic Obstructive Pulmonary Disease), emphysema, chronic heart disease, congestive heart failure, or cirrhosis of the liver, kidney/renal failure, kidney dialysis, Alzheimer's disease, ALS (Amyotrophic Lateral Sclerosis) or amputation due to disease? Multipay Plan: If NO on question 1 and YES or not answered to question 2, death benefit will be limited. If YES on question 1 or not answered, an Annuity is available.

4.

1.First Name MI Last Name Male

Female

Date of Birth Age SSN

POLICY OWNER'S INFORMATION (If other than proposed insured)First Name MI Last Name Relationship SSN

3. MAILING ADDRESS (For delivery of policy and billings)Address

Secondary Phone Number

Email

State

Primary Phone Number

IRREVOCABLE ASSIGNMENT (Initial only if the Policy should be irrevocably assigned.)9.

I elect to assign this Policy subject to the terms of the Irrevocable Assignment of Policy on the last page of this form.

Owner Initials

Yes No

Yes No

REPLACEMENTYes NoYes NoYes NoYes No

7.APPLICANT REPLACEMENT - Do you have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force? If "Yes", complete required replacement form(s). AGENT REPLACEMENT - Does the applicant have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force?

To the best of my knowledge and belief, the above information is true and complete. I understand that no insurance will be effective until this form is approved and the Policy is issued while the Insured is living. I authorize NGL to share my nonpublic personal information with any Funeral Provider with whom I have a Prefunded Funeral Agreement. If I am the Owner for insurance on the life of the Proposed Insured, I certify that I have an insurable interest in his or her life. If Monthly EFT is selected, the Insured and/or Owner authorize the withdrawal of all premiums due from the account provided. I acknowledge that I have read all information on the last page of this form.

8. SIGNATURES AND POLICY OWNER'S STATEMENT

Signature of Proposed Insured X Signature of

Policy OwnerCity & State Date

10. PRODUCER'S STATEMENT AND SIGNATUREAGENT'S STATEMENT: The Insured's signature personally witnessed by an agent for the company. I certify that any information recorded by me on this form is true and accurate to the best of my knowledge. Only insurer approved sales materials were used in conjunction with this sale, copies of which were left with the applicant.

Appointment Code

Signature of Producer

Printed Name of Producer

Producer Number

WAS WAS NOT

Zip

2.

City

PROPOSED INSURED'S INFORMATION

HEALTH QUESTIONS (Addressed to proposed insured)

5.

Face and Payment Amount Information

Payment Date (1-28th)

Monthly EFT - Total First Payment and ongoing Monthly Payments (include voided check)

Payment Mode Single Pay EFT From Checking

Montly EFT - Total First Payment ONLY (include voided check/one-time withdrawal)

Multi Pay EFT From Checking

Complete Payment Authorization Form

Single Pay

Available Plans

3 Year Pay

5 Year Pay

10 Year Pay

20 Year Pay

Annuity Other Payment Options

6. DIRECTIONS FOR PAYMENT OF PROCEEDS (Do not complete until you have read the last page of this form for important information)Name of Funeral Provider

Zip Beneficiary (other than Funeral Firm)

Relationship

PLAN AND PAYMENT DETAILS

Face Amount Monthly Payment Amount Payment Today

Single Pay $ $

Multi Pay $ $ $

Total Face Amount $_____________________ Total First Payment $ ____________________

Page 18: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

18

GeorGe & WanDa raven

Contact Information

George M. raven

Wanda l. raven

2986 cooks Mine rd.

albuquerque, nM 87109

503-730-2928

[email protected]

Pass: eo3alVeeph

DOB: G: December 9 (73 years old)

W: June 14 (68 years old)

Visa: 5224 5632 1178 0362

Exp: 11/2016

SSN: G: XXX-XX-8254

W: XXX-XX-5486

Occu: G: educator

W: camp counselor

Beneficiary: Mel raven (Daughter)

Blood: G: o- W: a-

Weight: G: 210 lbs W: n/a

Height: G: 6’ 2” W: 5’7”

Health: see background Info

advanced

backGrounDGeorge and Wanda were married just three years ago in the

Grand Canyon. Each of their previous spouses had passed

away years earlier. A couple months ago, they went to

a funeral of their neighbor and saw the pain, sorrow and

turmoil. More importantly, they saw the contention and

arguing that came up within the family as decisions were

being made and costs were revealed.

They knew, right then and there, that they did not want their children

to deal with the financial pressures of a funeral. Especially, given the

nature of their separate families. Three weeks ago, they attended a

Peace of Mind Seminar at their church and checked off that they were

interested in learning more.

concernThey received a phone call and set up a time to meet. The

presentation seemed nice, but they were still very hesitant

to close. They are very interested in preplanning, but

George is nervous about the additional cost of paying for

his funeral over time and Wanda wants to talk with her

children before making a decision.

Funeral PreFerencesGeorge doesn’t want a service nor a viewing. He doesn’t

like the idea of being cremated but wants something

simple. George’s funeral will cost $3,900 and he would like

to pay for it over a 3-year period but is interested in the

early pay-off option. He would like to make payments on

his credit card.

Wanda, on the other hand, wants a traditional service with a viewing

and ceremony but isn’t sure if she can afford it. Wanda can only afford

$120 per month. She would like to setup EFT for the 25th of the month.

Page 19: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

19

GeorGe & WanDa raven

3000PN-I-KY 06-11 WHITE COPY - Insurance Company YELLOW COPY - Funeral Firm/Producers PINK COPY - Family

APPLICATION FOR INSURANCE/ANNUITY National Guardian Life Insurance Company (NGL)

Phone 800.988.0826 - Fax 866.228.9927 Two East Gilman Street - PO Box 1191 - Madison WI 53701-1191

1. REQUIRED: Have you been diagnosed by a physician with a terminal illness or are you receiving hospice care?

2. Are you confined to a bed, hospitalized, scheduled for surgery requiring an overnight hospital stay, or receiving skilled nursing care; OR within the past two (2) years, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: stroke, organ transplant, cancer (other than skin), immune system disorder; OR within the past one (1) year, have you had, been diagnosed with, or received treatment (including medication) by a medical professional for any of the following: COPD (Chronic Obstructive Pulmonary Disease), emphysema, chronic heart disease, congestive heart failure, or cirrhosis of the liver, kidney/renal failure, kidney dialysis, Alzheimer's disease, ALS (Amyotrophic Lateral Sclerosis) or amputation due to disease? Multipay Plan: If NO on question 1 and YES or not answered to question 2, death benefit will be limited. If YES on question 1 or not answered, an Annuity is available.

4.

1.First Name MI Last Name Male

Female

Date of Birth Age SSN

POLICY OWNER'S INFORMATION (If other than proposed insured)First Name MI Last Name Relationship SSN

3. MAILING ADDRESS (For delivery of policy and billings)Address

Secondary Phone Number

Email

State

Primary Phone Number

IRREVOCABLE ASSIGNMENT (Initial only if the Policy should be irrevocably assigned.)9.

I elect to assign this Policy subject to the terms of the Irrevocable Assignment of Policy on the last page of this form.

Owner Initials

Yes No

Yes No

REPLACEMENTYes NoYes NoYes NoYes No

7.APPLICANT REPLACEMENT - Do you have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force? If "Yes", complete required replacement form(s). AGENT REPLACEMENT - Does the applicant have any existing insurance policies or annuity contracts? Will the insurance applied for replace or change any insurance or annuity now or recently in force?

To the best of my knowledge and belief, the above information is true and complete. I understand that no insurance will be effective until this form is approved and the Policy is issued while the Insured is living. I authorize NGL to share my nonpublic personal information with any Funeral Provider with whom I have a Prefunded Funeral Agreement. If I am the Owner for insurance on the life of the Proposed Insured, I certify that I have an insurable interest in his or her life. If Monthly EFT is selected, the Insured and/or Owner authorize the withdrawal of all premiums due from the account provided. I acknowledge that I have read all information on the last page of this form.

8. SIGNATURES AND POLICY OWNER'S STATEMENT

Signature of Proposed Insured X Signature of

Policy OwnerCity & State Date

10. PRODUCER'S STATEMENT AND SIGNATUREAGENT'S STATEMENT: The Insured's signature personally witnessed by an agent for the company. I certify that any information recorded by me on this form is true and accurate to the best of my knowledge. Only insurer approved sales materials were used in conjunction with this sale, copies of which were left with the applicant.

Appointment Code

Signature of Producer

Printed Name of Producer

Producer Number

WAS WAS NOT

Zip

2.

City

PROPOSED INSURED'S INFORMATION

HEALTH QUESTIONS (Addressed to proposed insured)

5.

Face and Payment Amount Information

Payment Date (1-28th)

Monthly EFT - Total First Payment and ongoing Monthly Payments (include voided check)

Payment Mode Single Pay EFT From Checking

Montly EFT - Total First Payment ONLY (include voided check/one-time withdrawal)

Multi Pay EFT From Checking

Complete Payment Authorization Form

Single Pay

Available Plans

3 Year Pay

5 Year Pay

10 Year Pay

20 Year Pay

Annuity Other Payment Options

6. DIRECTIONS FOR PAYMENT OF PROCEEDS (Do not complete until you have read the last page of this form for important information)Name of Funeral Provider

Zip Beneficiary (other than Funeral Firm)

Relationship

PLAN AND PAYMENT DETAILS

Face Amount Monthly Payment Amount Payment Today

Single Pay $ $

Multi Pay $ $ $

Total Face Amount $_____________________ Total First Payment $ ____________________

Page 20: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

20

Early Payoff—90 Days Same as Cash

For the Early Payoff option, the family simply pays the original face amount less any payments made to date. The family

gets full credit for all payments made. This option is only available during the first 90 days after policy issuance.

EPO Example 1: If the original funeral amount is $10,000 and the family made $600 worth of payments, the payoff amount

would be $9,400. (10,000 – 600 = 9,400)

Early Payoff—Anytime Payoff

Families can use the Anytime Payoff option anytime, with any payment plan. Simply take the original face amount

divided by the original number of payments over the life of the plan, multiplied by the remaining number of payments.

EPO Example 2: If the original funeral amount is $10,000 and it’s a 10-year plan, (120 original payments) and the family

wants to pay if off after making the 10th payment (110 remaining payments), the payoff amount would be $9,166.33.

[(10,000/120) X 110 = $9166.33]

The best way to calculatate early payoff is to simply call: (800) 988-0826

EPO Policy

If excess dollars are sent in with a customer’s premium then the customer needs to indicate if they want that excess to go

towards paying off future premiums or to be held for early pay-off.

If they want to apply the excess dollars to advance premium dates there will be no billing until the premium is used.

If the excess dollars are held for early payoff then they will be suspended until the balance of the excess dollars is equal to

the EPO amount. There is no interest paid on suspended dollars.

NGL does not allow credit card payments for payoffs.

Page 21: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

21

Early Payoff—Exercises

EPO Exercise 1-Abigail Anderson: Age 65, $5,000 FA, 10 yr., EFT, $80 PA (premium amount), # payments: 3

Original Face Amount:

Amount Paid in:

Early Payoff Amount:

EPO Exercise 2-Ben Alexander: Age 78, $12,000 FA, 3 yr., EFT, $2,100 DP, ________ PA, # payments: 2

Original Face Amount:

Amount Paid in:

Early Payoff Amount:

EPO Exercise 3-Addison Brown: Age 57, $7,500 FA, 20 yr., EFT, ________ PA, # payments: 10

Original Face Amount:

Original Number of Payments:

Number of Remaining Payments:

Early Payoff Amount:

EPO Exercise 4-Ben Baker: Age 82, $11,000 FA, 3 yr., EFT, ________ PA, # payments: 25

Original Face Amount:

Original Number of Payments:

Number of Remaining Payments:

Early Payoff Amount:

EPO Exercise 5-Claire Bell: Age 72, $4,000 FA, 10 yr., EFT, $500 DP, ________ PA, # payments: 60

Original Face Amount:

Original Number of Payments:

Number of Remaining Payments:

Early Payoff Amount:

Page 22: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

Memorial Guide: Part B

Building Rapport The look, the feeling, the words

Family, occupation, recreation, message

Transistion questions

Intro/survey, most, some, you

Reason, hearing

Unprepared, overwhelmed, 75-125

Five minutes, hardest part

Road map

Most common

Urgent tasks & decisions (ease burden)

No doubts

Peace of mind

Recalled memories (freedom)

Financial aspect (financial protection)

My purpose

Scenario

Only decision

Part A

Short history lesson, veteran, contacts, special instructions

Typical order, in reality, viewing

What would Mom or Dad have wanted?

Ceremony, committal, afterward

Questions

Part A filling out each section on form

Total price to cover everything

Monthly amounts

We have life insurance

Part B, important

Pitch, power, pack, punch, pause

Is this what he/she really wanted? Transition to cost

Time magazine, start

Form (services, visitation, death cert, etc.)

Costs go up, for example, life expectancy

More options, remaining balance

Payment (single, 20, 3, 10, extra, 5)

We want to think it over

Story about Part B

We want to talk with our children

We can’t afford it

We are going to move

Conversation

P. Experience

Professional

Preparation

Chit Chat

Topic Warm-up

Most, Some, & You

Final Wishes Organizer

Common Reasons

Pain, Pleasure, Purpose

Explaining Part A

Funeral Components

Time Magazine Study

Memorial Guide: Part A

Cost EstimateClosing

Overcoming Objections

Bonus Points

Total Score /220

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

1 2 3 4 5

PRESENTATION RUBRIC

Page 23: PAPERWORK - Precoa

PRECOA - TheCompletePreneedCompany

cost estIMate WorksHeet

Name __________________________

Age ______

Today’s Costs: _________________________

Future Cost estimate:

5 Years: __________________________

10 Years: _________________________

15 Years: _________________________

20 Years: _________________________

Life Exp: ___________ Years: ________

Payment options

Single Pay: _________________________

3 Year EFT: _________________________

5 Year EFT: _________________________

10 Year EFT: _________________________

20 Year EFT: ________________________

Single Pay: __________________________

3 Year EFT: _________________________

5 Year EFT: _________________________

10 Year EFT: _________________________

20 Year EFT: ________________________

total Payment (family)

Single Pay: __________________________

3 Year EFT: _________________________

5 Year EFT: _________________________

10 Year EFT: _________________________

20 Year EFT: ________________________

homework:

______________________________________________________________________________

______________________________________________________________________________

______________________________________________________________________________

______________________________________________________________________________

5 Years: __________________________

10 Years: _________________________

15 Years: _________________________

20 Years: _________________________

Life Exp: ___________ Years: ________

Today’s Costs: _________________________

Name __________________________

Age ______