Doing business with DBSDoing business with DBS

Why choose DBSWhy choose DBS

Our singular goal is to Our singular goal is to make doing business make doing business easier and more easier and more profitable for you. profitable for you.

Gotta Case?Gotta Case?

Call your Marketing Associate at DBS!!Call your Marketing Associate at DBS!!

1.800.869.1DBS1.800.869.1DBS Your Marketing Associate will address:Your Marketing Associate will address:

Case designCase design Product choice, term, UL, VUL, etc…Product choice, term, UL, VUL, etc… Insurance carrier choiceInsurance carrier choice CompetitionCompetition Health issuesHealth issues Occupation/ Avocation/ Travel issuesOccupation/ Avocation/ Travel issues

What you can expect from your MA?What you can expect from your MA? Same day service if request is received Same day service if request is received

beforebefore3 pm CST (24 hours max.)3 pm CST (24 hours max.)

Calls returned with in 3 hours Calls returned with in 3 hours Quick Quotes to all carrier underwriters, Quick Quotes to all carrier underwriters,

if neededif needed Email PDFs of the illustration or Email PDFs of the illustration or

spreadsheet, appointment form (if spreadsheet, appointment form (if needed), application forms and product needed), application forms and product prospectus (if registered)prospectus (if registered)

Follow up within 7 daysFollow up within 7 days

Appointments Made EasyAppointments Made Easy The DBS website is your one stop for information The DBS website is your one stop for information

on carrier appointmentson carrier appointments Check state requirements for appointments prior to Check state requirements for appointments prior to

solicitation of businesssolicitation of business Download state-specific forms necessary for each companyDownload state-specific forms necessary for each company Check the status of your appointment with each carrierCheck the status of your appointment with each carrier

Once the paperwork is complete fax or send it to Once the paperwork is complete fax or send it to DBS and we will coordinate your appointment DBS and we will coordinate your appointment with the carrierwith the carrier

Any questions call our licensing department at Any questions call our licensing department at ext. 209ext. 209

Tips for Submitting Tips for Submitting ApplicationsApplications

Fixed and VULFixed and VUL Agent Cover LetterAgent Cover Letter

Purpose, amount applied for, plan, medical or financial underwriting considerations, Purpose, amount applied for, plan, medical or financial underwriting considerations, lifestyle information, time constraints, preferred contact numbers for yourself and lifestyle information, time constraints, preferred contact numbers for yourself and insuredinsured

Include Illustration - Even on TermInclude Illustration - Even on Term Allow DBS to Order All RequirementsAllow DBS to Order All Requirements Check Application for CompletenessCheck Application for Completeness Submit Non-Medical (Part 2) of the AppSubmit Non-Medical (Part 2) of the App

BIGGEST TIME SAVER - IF APS RECORDS ARE NEEDEDBIGGEST TIME SAVER - IF APS RECORDS ARE NEEDED

Submit DBS authorization formSubmit DBS authorization form

VUL OnlyVUL Only Allocation formAllocation form Managing principle signature on application and illustrationManaging principle signature on application and illustration

SEND ALL APPLICATIONS TO DBS!SEND ALL APPLICATIONS TO DBS!

Diversified Brokerage Services, Inc.Diversified Brokerage Services, Inc.

5501 Excelsior Blvd.5501 Excelsior Blvd.

Minneapolis, MN 55416Minneapolis, MN 55416

952-697-5000/800-869-1DBS952-697-5000/800-869-1DBS

What to Expect of your Case What to Expect of your Case ManagerManager

Your case manager will take ownership of Your case manager will take ownership of the case, sheppard it thru underwriting, to the case, sheppard it thru underwriting, to issue to paid commissionsissue to paid commissions

Tasks completed same day application is Tasks completed same day application is received at DBSreceived at DBS Application entered and sent to carrierApplication entered and sent to carrier Exam requirements ordered electronically as Exam requirements ordered electronically as

the app is inputtedthe app is inputted If a Non-Med (Part 2) is submitted - APS's will If a Non-Med (Part 2) is submitted - APS's will

be ordered, if neededbe ordered, if needed

What to Expect of your Case Manager What to Expect of your Case Manager Cont…Cont…

Received, and outstanding requirements sent Received, and outstanding requirements sent to you via emailto you via email

Applications reviewed for completenessApplications reviewed for completeness Appointment with carrier verifiedAppointment with carrier verified Notification of application receipt, Notification of application receipt,

requirementsrequirements Weekly case statusWeekly case status Routine Case Manager follow upRoutine Case Manager follow up

Follow ups on - APS records, exam requirements, Follow ups on - APS records, exam requirements, broker requirements, carrier actionbroker requirements, carrier action

Approval notificationApproval notification

Policy deliveryPolicy delivery

Issued Policy will be sent to DBS for Issued Policy will be sent to DBS for review and mailed to agent, priority review and mailed to agent, priority mail, same day received.mail, same day received.

Delayed Delivery DangersDelayed Delivery Dangers

Your insured could have a change in Your insured could have a change in health between application date and health between application date and your delayed delivery dateyour delayed delivery date Serious change could prevent delivery and require Serious change could prevent delivery and require

you to start over from an impaired risk standpointyou to start over from an impaired risk standpoint Even a routine visit to the Dr. during this time may Even a routine visit to the Dr. during this time may

cause the insurance company to ask for a cause the insurance company to ask for a summary of the visitsummary of the visit

Commissions aren't paid until the policy Commissions aren't paid until the policy is inforce!is inforce!

World Class ServiceWorld Class Service Proven track recordProven track record New business correspondence driven from app to issue New business correspondence driven from app to issue

and paidand paid Pending case status on Internet 24x7Pending case status on Internet 24x7 DBS Services Department intakes and provides status DBS Services Department intakes and provides status

updates for after-issue services. No home office “800” updates for after-issue services. No home office “800” number referrals number referrals

Beneficiary or owner Beneficiary or owner changeschanges

Conversion/exchange Conversion/exchange serviceservice

Collateral AssignmentsCollateral Assignments

Re-projection requestsRe-projection requests

Bank change serviceBank change service

Premium drafting problemsPremium drafting problems

Lapse warning noticesLapse warning notices

Reinstatement requestsReinstatement requests

Fund account allocationsFund account allocations

Death ClaimsDeath Claims

Meet your DBS Life Sales and Marketing Meet your DBS Life Sales and Marketing TeamTeam

Kelly Bjordal x246 Tanya Lindstrom x223 Joel Johnson x222 Kelly Bjordal x246 Tanya Lindstrom x223 Joel Johnson x222 Relationship ManagerRelationship Manager Sales/Marketing Coordinator Relationship ManagerSales/Marketing Coordinator Relationship Manager

Marketing AssociatesMarketing Associates

Brandon Johnsen x230 Jann Varner x221 Steve Peters x219 Cheryl Hausauer x220Brandon Johnsen x230 Jann Varner x221 Steve Peters x219 Cheryl Hausauer x220