Having placed coverage for clients with annual incomes from $15,000 up to hundreds of thousands of dollars, we’ll do the pre-underwriting screening to provide you with the best options available. Blue-collar or white-collar, doctors of all specialties, True Own-Occupation DI or Loss of Income, Entertainers, Sports or Public Figures, healthy to substandard/impaired, we can help find the right coverage for your client.

We proudly represent some of the highest quality carriers in the industry marketplace including:

Principal, Ameritas, Standard, Illinois Mutual, Met-Life, Mutual of Omaha, Assurity, Ohio National, Fidelity Security, Lloyds of London and many others.

LEADING EDGED I S A B I L I T Y C E N T E RLE

YOUR “ONE STOP BROKERAGE SHOP”

(888)677-6575dicenter.com

DISABILITY INSURANCEMADE EASY

Simplified Issue

G.S.I - Guaranteed Issue

Higher DI and BOE Limits

Business Loan Protection

Mortgage DI

Key Person Insurance

Retirement Protection DI

Return of Premium

Full back office support

INCOME PROTECTION FOR

ALL OCCUPATIONS

INDIV IDUAL DIS AB IL IT Y P R OP OS AL R E QUES T Broker Name AffiliationTelephone # ( ) Fax # ( ) Email Address

Address

City, State, Zip

Illustration to be received by: Mail Fax Email

Client Name: D.O.B.

Sex: M F Tobacco Use: Y N State: Net Annual Income:

Occupation

Job Description/Duties

Business Owner: Y N C-Corp: Y N # of Employees_____ Years in business _______

Group LTD in force: Y N Monthly Amount: $___________ 60% or 67% (circle one)

Individual coverage in force: Y N Monthly Amount: $___________ To remain in Force? Y N

Who will pay the premium: Employee Pay Employer Pay

Monthly Benefit: $__________________

Elimination Period: 14 30 60 90 180 365 730

Benefit Period: 6 Months 1 Year 2 Years 5 Years To Age 65 66/67 Lifetime

Discount: Association Multilife Double Annual Premium

Benefit Riders:

Residual Inflation Non-Can Own Occ. Future Purchase Option Automatic Increase

Return of Premium Catastrophic Rider Social Insurance Supplement

Medical HistoryCOMMENTS:

Please submit the DI Quote information via fax, email, or on our website:F AX: 877-677-6575 P HONE:

We will provide you the best quotes from the industry’s leading carriers.LEADING EDGE DISABILITY CENTER

Disability Income Insurance: Simpli�ed Issue; Return of Premium; Association discounts;Guaranteed Issue; Short-Term Disability; White, grey & blue collar plans;

Over $45,000 monthly bene�t available; Bene�ts to age 65, 67, 70 & Lifetime; $50,000/mo. BOETrue Own-Occupation

LEADING EDGED I S A B I L I T Y C E N T E RLE

3727 Canal St., Suite 2, New Orleans, LA 70119

Website: www.dicenter.com Email: office@dicenter.com(504) 708-2393

LELEADING EDGED I S A B I L I T Y C E N T E R

Distinct Competitive Diability AdvantageBe a Risk Advisor, review top priorities and their consequences!

7 Introductory Questions to ask: What if you can’t put the key in the door tomorrow? What’s your Plan?

1. Do you have a business loan obligation that you would have trouble repaying, in the event of your total disabil-ity, that has a 36 month or longer obligation? (Business Loan Protection Rider; Overhead Expense Policy)

2. Could your business use a cash infusion in 6-months of up to a $500,000, due to a key employee becoming totally disabled? (Key Person Replacement)

3. If you were totally disabled for up to 6 months, would this impact your ability to save for retirement through your SEP, Simple, Keogh, 401k, etc., retirement plans? (Disability Retirement Security)

4. Do you have a business partner or co-owner? Do you have a buy-sell agreement in place and is it funded for life or disability? (Disability Buy-Out)

5. If you were totally disabled, would you want us to cover and remburse your business overhead expenses? Like employees salaries, rent, utilities, etc.? (Overhead Expense Policy)

6. Would you or your family need your income replaced to help pay personal living expenses if you were totally disabled? (Disability Income Policy)

7. Your medical insurance premiums still have to be paid if you’re too sick or hurt to work. Do you have a plan to pay those premiums due; like auto, home, life, and other obligations? (Disability Income Policy)

Then, lead into your Life, Health, and Retirement statements on what your practice reviews for your clients.

Competitive Product Offering - Call for a Proposal/Training

• Individual Diability Income Insurance- To $20,000 MB Individual1; Participate to $35,0001 with other IDI; to$40,000 with GLTD1

- To $17,000 MB Ifor Physician/Dentist; Participate to $35,0001 with other IDI; to$40,000 with GLTD1

• Overhead Expense Insurance- To $50,000 MB reimbursement1 - Business Loan Protector Rider (new); for HH702 OE2

» Up to $20,000 MB; $2 million Aggregate P&I Loan repayment• Disability Buy-Out Insurance

- To $3 million1 reimbursement for purchase of disabled owner’s interest• Key Person Replacement Insurance (new)2

- 3x key employees’s earned income to $750,0001

• DI Retirement Security Insurance- These benefits are in addition to other coverage. Benefits paid to an irrevocable trust which are invested ac-cording to the investment option chosen by the client. 15% of annual income to $4,385 per month individual pay, $5,640 employer paid.1

MB= Maximum Benefit. 1- Additional guidelines apply. 2- Not approved in all states. For listing of state approvals, go to: principal.com/distateapprovals

$50,000 $100,000 $150,000

033

04

05

1,750,000 3,500,000 5,250,000

2,500,000

1,500,000

3,750,000

2,250,000

1,250,000

750,000

Average I ncome to A ge 65Average I ncome to A ge 65

Job “A” $100,000$99,000

$0$60,000

HEALTHY SICK OR HURT

LEADING EDGE DISABILITY CENTER3727 Canal St., Suite 2New Orleans, LA 70119

(888) 677-6575www.dicenter.com | office@dicenter.com

LELEADING EDGED I S A B I L I T Y C E N T E R

Ask your client: “What’s your most valuable asset?”Everything rests on income!

Money Machine: “If you had a machine thatwould give you $275 everyday, what wouldyou do? “You do have such a machine:It’s you, your ability to earn an income!”

Two Job Story: Ask your client “If youhad a choice, which job would you take:

Disability Sales Ideas

If you had a goose that laid golden eggs, which would you insure?We all insure our home, our cars, belongings – these are the“eggs”, but how about the “goose” ? Can you afford the samelifestyle without your income? Who will pay your mortgage ifyou can’t work, due to an illness or accident?

Do you carry a spare tire in your car at all times? Why? Areyou planning on getting a flat today? No, but if you need it, it’sthere! Protect your income NOW while you can, BEFOREyou need it!Ask your client: “Do you have Health insurance? Who gets paid?

Doctor?Hospital?Pharmacy?Ambulance driver?You?X

Job “B”

CurrentAge

Leading Edge Disability Center | DICenter.com | 888-677-6575 | office@DICenter.com

TOP TEN REASONS NOT TO BUY DISABILITY INSURANCE

You may have your reasons for not buying disability income (DI) insurance. But do you know the facts?

10. Social Security will take care of me.

Fact: Social Security initially denies about 65 percent of all disability claims.*

9. I expect to stay healthy.

Fact: Statistics show one in five people, ages 25-64, suffer a disability.**

8. It costs too much.

Fact: The average annual cost is typically only one to three percent of what you earn.

7. My financial needs change so fast. What policy could keep up?

Fact: A Disability Insurance policy is flexible. You can change it as you need.

6. If my income increases but my health declines, I'll never get additional coverage.

Fact: There are two ways to increase your coverage without proving evidence of medical insurability: Automatic Benefit Increase, and Guaranteed Insurability (Future Increase Option).

5. I need more coverage, but I can't cancel my disability at work.

Fact: A DI policy can help fill the gaps left by your current group coverage which is taxable; individual DI benefits are tax free.

4. I would have to be totally disabled to receive benefits.

Fact: There are two ways to protect your income in the event of a partial disability: Partial and Residual Disability rider.

3. My family and friends will help me out.

Fact: Are your loved ones in a position to support you? Do you want them to?

2. I can always do it later.

Fact: People usually don't get healthier as they grow older, and coverage will cost more.

1. I can rely on my savings.

Fact: Even with saving 10 percent of your salary, one year of disability could easily wipe out ten years of savings.

*Social Security Forum, Volume 21, No. 5 - May 2009 (for fiscal year 2008)

**2004 Statistical Abstract of the U.S.

LEADING EDGED I S A B I L I T Y C E N T E RLE

Think You Can’t Get Him DI Coverage?

THINK AGAIN & CALL US!

LEADING EDGED I S A B I L I T Y C E N T E RLE

Leading Edge Disability Center | DICenter.com | 888-677-6575 | office@DICenter.com

Self EmployedWorking out of Home

Anxiety

Depression

Epilepsy

AngioplastyHeart Stent

Drug Abuse

Diabetes

Cancer

Kidney Stones

Hip Replacement

Hernia

Arthritis

Colitis/Crohn’s Disease

Gout

Occupational Risks

Glaucoma

Alcoholism

Asthma

Elevated Cholesterol

Hypertension

Heart Attack

By-pass Surgery

Overweight

Hepatitis

Phlebitis/Thrombosis

LELEADING EDGED I S A B I L I T Y C E N T E R

3727 Canal St., Suite 2New Orleans, LA 70119www.dicenter.comoffice@dicenter.com

Nature of business: ____________________________________________________________________ Number of years operating: _________

Number of owners: __________ Number of employees: __________ Number of key employees: __________

Notes: _________________________________________________________________________________________________________________

_______________________________________________________________________________________________________________________

OWNER/KEY EMPLOYEE CENSUS

NAMEOWNERSHIP PERCENTAGE

TITLE/OCCUPATIONAL

DUTIESDATE OF

BIRTH SMOKER

INCOME

SALARYBONUS OR K-1

Y / N

Y / N

Y / N

Y / N

Y / N

If more than five names, please attach a spreadsheet or send electronically.

Health concerns: ________________________________________________________________________________________________________

________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________

________________________________________________________________________________________________________________________

BUSINESS PROFILE

Business name: ____________________________________________

City/State: ________________________________________________

Entity type:

C corporation

S corporation

Sole proprietorship

Partnership

Tax exempt

Professional corporation C corp

Professional corporation S corp

LLC taxed as a partnership

LLC taxed as a corporation

Professional advisors’ names and contact information:

Attorney: ________________________________________________

Accountant: ______________________________________________

Banker: __________________________________________________

Insurance advisor: _________________________________________

Investment advisor: _______________________________________

Employee benefits advisor: _________________________________

Date: _________________________ Producer(s): ____________________________________________________________________________

Your hard work has resulted in a foundation for a successful business. If you, another owner or key employee became too sick or hurt to work, how would it affect the foundation of your business?

FOUR PLANNING AREAS

PLANNING AREA STATUS EXISTING COVERAGE DETAILS/NOTES

1 Income Protection/Benefit Planning

Individual Disability Income (DI) insurance provides a monthly benefit to help pay everyday living expenses. Consider it a “paycheck” when you can’t earn your own because of a disability.

Group long-term disability (LTD) insurance is a great foundation for all employees, but highly compensated employees typically need more.

Supplemental Individual DI insurance can “wrap-around” existing coverages to provide additional income protection. It can be paid for by the company or the employee and is fully portable.

• What’syourplantomeetpersonalfinancialobligationsifyoubecometoo sick or hurt to work?

• WhattypeofgroupLTDplandoyouoffer(ifany)?Haveyourevieweditrecently to ensure it is competitive?

• Outlinethetypesofadditionalbenefitsyouusetoretainandrewardhighlycompensated and/or key employees.

Yes/No

Yes/No

Yes/No

2 Retirement Savings

In most cases, upon a disability, contributions to the following likely stop: 401(k) and your employer match, Social Security and pension plans. DI Retirement Security1 helps you continue saving for retirement.

• Whattypeofretirementplan(s)doesyourcompanyoffer?

• Ifyouorakeyemployeewerenolongerreceivinganincomeandwerefacingsignificant medical bills, how would you continue setting aside money for retirement?

Yes/No

3 Business Protection

Overhead Expense insurance provides reimbursement for eligible business expenses to help ensure the business keeps running.

The Business Loan Protection rider2 covers business-related loan obligations, such as the purchase of an existing practice/business or purchase of a large piece of equipment.

Key Person Replacement insurance2 provides a benefit to help offset the loss of a key employee. Benefits received can help with the costs of recruiting a new employee, dealing with temporary staffing or filling a revenue gap.

• What’syourplantocovermonthlyfixedexpensesandbusiness-relatedloan payments if you or another owner becomes too sick or hurt to work?

• Whichofyouremployeesmakeasignificantcontributiontoyourbusiness?

Yes/No

Yes/No

Yes/No

4 Exit Planning

Disability Buy-Out insurance funds a buy-sell agreement to buy out a disabled business owner on a reimbursement basis. This helps you and other owners maximize the financial return when the business is transferred, while minimizing tax liability.

• Doyouhaveabuy-sellagreement?

• Doesyouragreementaddressdeathanddisability?

• Aretheseclausesproperlyfunded?

• Whenwasitlastreviewed?

Yes/No

TIP: For each type of existing disability coverage, capture: benefit amount and type (monthly, lump sum, combination), waiting period, who pays the premium, if there is a benefit cap, etc.

Leading Edge Disability Center | www.DisabilityCenter.com | 888-677-6575