Account Manager Opportunity

1. Ask yourself … Where do you want to be in 5 years?

9. A Comprehensive Product Portfolio Life Insurance Accident Insurance Cancer Insurance Critical Illness Disability Income Hospital Confinement Quality Products from one source allows you to Maximize enrollment choices. Limited Medical

10. Great Service 9 in 10 Colonial Life claimants are satisfied with claims service overall & would recommend Colonial Life to others. 2007 LIMRA Survey

14. Who Joins Our Team Let’s look at a profile …

17. Adding Value To Company Benefit Plans Through A Consultative Style

18. “ No limit" to Income and Financial Rewards Referral bonus of 4% to 6% override on all business generated by people you have recommended for an appointment to Colonial Life. Colonial associates are independent agents and are paid solely by commissions, renewals/overrides and earned bonuses. Top commission potential including residual income. Let’s see… top commissions, renewal income, bonuses just for recommending good people you know and oh yes, trips to wonderful Places!

20. Unique Approach to the Market Commissions vary depending on your role 25% Average 36.5 – 56.5% Total Account Opener 17.5% – 37.5% Account Coordinator 4% Account Enroller 15%

21. Compensation Opener Commissions 50 Employees * 50% Enrollment (CLA Average) 25 Employees Participate $500 Annual Premium / Employee (CLA Average) $12,500 Total Annual Premium Opener Commission (25%) = $3,125 Commission Advanced (@70%) = This is not a guarantee but for illustrative purposes only. Actual commissions will vary depending on actual results. $2,187.50 * Colonial Life’s average for employee participation is between 40% and 50%. For the sake of this example, 50% is being used.

22. Compensation Opener Commissions $2,187.50 * 2 Cases / Month = $4,375 or 24 / year = This is not a guarantee but for illustrative purposes only. Actual commissions will vary depending on actual results. $52,500

25. Compensation Total Opener Commissions Commission $ 52,500 New Account Bonus (YTD) $ 24,300 New Account Bonus (QTD) $ 8,100 TOTAL Comp & Bonuses $ 84,900 New Start-up Bonus = $ 11,500 This is not a guarantee but for illustrative purposes only. Actual commissions and bonuses will vary depending on actual results. Total Compensation = $ 96,400

26. Compensation Opener Commissions Renewals and Re-enrollment Renewal: for an Opener (Average) = 4% % * $300,000 = $12,000 Avg. renewal premium collection rate * 70% = $8,400 Re-enrollment: 40% of 1 st Year Premium (Average) 40% * $300,000 = $120,000 * 25% = $30,000 Colonial advance rate * 70% = $21,000 Renewals = $8,400 Rework = $21,000 This is not a guarantee but for illustrative purposes only. Actual commissions will vary depending on actual results. TOTAL = $29,400

27. Compensation Total Opener Commissions This is not a guarantee but for illustrative purposes only. Actual commissions and bonuses will vary depending on actual results. If you only achieve ½ the production used in the prior example and open 12 cases with $120,000 in premium: YOU QUALIFY FOR LEADERS CONFERENCE!

28. The Compensation * Actual commissions and bonuses will vary depending on actual results. Model was based on 24 new accounts opened, average number of 50 employees each, 50% penetration and an average monthly sales premium per payor of $40. 5 Year Rep Compensation Model* Commissions and bonuses Year 1 Year 2 Year 3 Year 4 Year 5 $96,000 $108,000 $130,000 $152,000 $173,000

30. Travel and Incentives

31. The Timing The window of opportunity is open …