PINNACLE PINNACLE BROKERAGE FIRMBROKERAGE FIRM

Secure Your FutureSecure Your Future

Hello Everyone!!Hello Everyone!!

I want to thank you for your time and I want to thank you for your time and consideration of our Company today. consideration of our Company today.

This presentation will take you about 20 This presentation will take you about 20 minutes to read through. By the end of this minutes to read through. By the end of this presentation you will definitely know presentation you will definitely know whether or not our Company is a fit for you.whether or not our Company is a fit for you.

We are constantly looking for new sales We are constantly looking for new sales professionals all across the United States.professionals all across the United States.

All 2All 2ndnd Interviews will be held on a one on Interviews will be held on a one on one basis with a leader in your area.one basis with a leader in your area.

Our Company History &Our Company History & Who We AreWho We Are

Founded in 2002, Pinnacle Brokerage Founded in 2002, Pinnacle Brokerage Firm provides supplemental benefit Firm provides supplemental benefit plans to small to mid-sized businesses plans to small to mid-sized businesses as well as individual families, insuring as well as individual families, insuring hundreds of thousands of people hundreds of thousands of people across the United States.across the United States.

Sales and Marketing Sales and Marketing SideSide

Pinnacle Brokerage Firm Pinnacle Brokerage Firm Founded by Larry Salerno, PresidentFounded by Larry Salerno, President Operates Offices in: Texas, Missouri, Washington, Operates Offices in: Texas, Missouri, Washington,

Arizona, Oklahoma, California, Tennessee, South Arizona, Oklahoma, California, Tennessee, South Carolina, Indiana, Michigan, Maryland, Nevada, Carolina, Indiana, Michigan, Maryland, Nevada, Kansas, Iowa, North Dakota, Montana, Wisconsin, Kansas, Iowa, North Dakota, Montana, Wisconsin, Minnesota, Kentucky and Florida with new offices Minnesota, Kentucky and Florida with new offices opening monthlyopening monthly

Headquartered in Houston, TexasHeadquartered in Houston, Texas

$7,500,000.00 in new sales each year $7,500,000.00 in new sales each year with an additional $50,000,000.00 of with an additional $50,000,000.00 of prior year’s sales in force just since prior year’s sales in force just since 20022002

Product and Product and Development SideDevelopment Side

Family Heritage (Product Side)Family Heritage (Product Side) Founded by Howard Lewis and Jerry Founded by Howard Lewis and Jerry

GrabowskiGrabowski Founded in 1989Founded in 1989 Headquartered in Cleveland, OhioHeadquartered in Cleveland, Ohio Over $100 Million in AssetsOver $100 Million in Assets Over $1 Billion in ReceivablesOver $1 Billion in Receivables

The Products We SellThe Products We Sell Supplemental Health BenefitsSupplemental Health Benefits

The key difference that sets us apart from the The key difference that sets us apart from the competition in the supplemental marketplace is competition in the supplemental marketplace is the the RETURN OFRETURN OF PREMIUMPREMIUM feature on our feature on our products.products.

This means if our clients never get sick or hurt, This means if our clients never get sick or hurt, all of their payments go into a savings plan. all of their payments go into a savings plan. After the state appointed time (usually After the state appointed time (usually retirement age), all of their premiums are retirement age), all of their premiums are refunded.refunded.

Here are the different types of coverage we Here are the different types of coverage we offer.offer.

1.Cancer1.Cancer 4.Intensive Care4.Intensive Care2.Heart and Stroke2.Heart and Stroke 5.Accident5.Accident3.Hospital Indemnity3.Hospital Indemnity 6.Term Life6.Term Life

Who We Sell ToWho We Sell To

Small BusinessesSmall Businesses and and Individual Individual FamiliesFamilies are our target market. Our are our target market. Our products are designed to help them products are designed to help them plan and protect their futures, as well plan and protect their futures, as well as the futures of their families. as the futures of their families.

How We Sell Our How We Sell Our ProductsProducts

Our Prospecting MethodsOur Prospecting Methods We teach our sales force a strict referral We teach our sales force a strict referral

based method called Pre-Approach based method called Pre-Approach followed up by a system called Hot Lists. followed up by a system called Hot Lists.

We do cold-call during the first few We do cold-call during the first few months. months.

After that, approximately 80% of your After that, approximately 80% of your sales should come from referral sales should come from referral appointments. appointments.

Is This Business A Is This Business A Good Fit For Me?Good Fit For Me?

If you are motivated, results-driven and If you are motivated, results-driven and energetic, Pinnacle Brokerage Firm is energetic, Pinnacle Brokerage Firm is

the place for you. the place for you.

We OfferWe Offer : :

Great Pay PlansGreat Pay Plans

Stock OptionsStock Options

Lifetime RenewalsLifetime Renewals

Cash BonusesCash Bonuses

The Product The Product PresentationPresentation

The product presentation that follows is The product presentation that follows is set up as you would present it to a set up as you would present it to a Business Owner or Family. It takes about Business Owner or Family. It takes about 20 minutes.20 minutes.

As you go through it: Ask yourself these As you go through it: Ask yourself these three questions:three questions: Do I think it’s a good product?Do I think it’s a good product? Could I learn to present it?Could I learn to present it? Out of 30 presentations per week, how many Out of 30 presentations per week, how many

would apply for coverage?would apply for coverage?

Why We Do So Well

Our average plan sells for onlyOur average plan sells for only

$63.00 a month or $750.00 a year$63.00 a month or $750.00 a year

________________________________________ ________________________________________

The key to success is consistent The key to success is consistent activity.activity.

Present to Business Owners and Present to Business Owners and FamiliesFamilies

8 Hours per day 5 Days a week8 Hours per day 5 Days a week 6 Presentations per day6 Presentations per day

First Year CommissionsFirst Year Commissions

The average yearly premium is The average yearly premium is $750.00$750.00.. Our sales professionals will see 6 Our sales professionals will see 6

prospects per day or 30 per week.prospects per day or 30 per week. The average first year sales professional The average first year sales professional

will sell an average of will sell an average of 66 policies per policies per week.week.

Our sales professionals earn Our sales professionals earn 30% 30% commissioncommission on the annual premium sold on the annual premium sold for the first 12 months.for the first 12 months.

GROSS INCOME EARNINGS EXAMPLE

1 sale a day = $60,000.001 sale a day = $60,000.00

2 sales a day = 2 sales a day = $120,000.00$120,000.00

Renewal CommissionsRenewal Commissions

Beginning with the second year, you will be paid Beginning with the second year, you will be paid a renewal commission for every active policy.a renewal commission for every active policy.

Full vesting after only five years locks you in a Full vesting after only five years locks you in a permanent income, regardless of your future permanent income, regardless of your future affiliation with Family Heritage.affiliation with Family Heritage.Yr.2 =50% Yr.3 =60% Yr.2 =50% Yr.3 =60% Yr.4 =70% Yr.4 =70% Yr.5 Yr.5

=100%=100%

Your Your lifetime renewallifetime renewal commission is 2 commission is 2%% for for the life of each policy sold.the life of each policy sold.

Renewal Earnings Example

1 sale a day = $40,000.00

2 sales a day = $80,000.00

Your renewals are paid out over the life of the policies sold.

Company Incentives

Quarterly Cash Bonuses Quarterly Cash Bonuses Monthly Cash BonusesMonthly Cash Bonuses 2 Company Meetings A Year At 2 Company Meetings A Year At

Vacation Type Destinations Vacation Type Destinations 2 Incentive Trips A Year To Amazing 2 Incentive Trips A Year To Amazing

And Fun DestinationsAnd Fun Destinations Company StockCompany Stock Stock DividendsStock Dividends

Company Stock OptionsCompany Stock Options

Every time a Sales Professional sells one Every time a Sales Professional sells one application they earn one: application they earn one:

Pre-IPO Stock Offering OptionPre-IPO Stock Offering Option FHL Stock has grown at a rate of approximatelyFHL Stock has grown at a rate of approximately

25% a year for the past 20 years25% a year for the past 20 years All Option Holders also receive aAll Option Holders also receive a

Cash Bonus (Dividend) FHL Equity Bonuses have grown over:

20% a year for the past 16 years20% a year for the past 16 years

Leadership & Management Leadership & Management IncomeIncome

Our Leaders earn a Our Leaders earn a 5% first year 5% first year commissioncommission on the total first year annual on the total first year annual premium produced by their team.premium produced by their team.

Our Leaders also earn a Our Leaders also earn a 1% lifetime 1% lifetime renewal commissionrenewal commission on those premiums on those premiums from month 13 forward.from month 13 forward.

A 5 person team that sells one app a day A 5 person team that sells one app a day each will bring in a Leader an additional each will bring in a Leader an additional $50,000.00$50,000.00 a year in first year earnings as a year in first year earnings as well as an additional well as an additional $88,000.00$88,000.00 a year in a year in lifetime renewal earnings.lifetime renewal earnings.

Retirement Programs Retirement Programs ReviewReview

If all you ever do is sell 6 Applications If all you ever do is sell 6 Applications per week, over the course of 10 years, per week, over the course of 10 years, this is what you will have built. this is what you will have built.

After 10 Years the wealth you will have After 10 Years the wealth you will have built will be:built will be: Over $400,000 in Renewal Income – Over $400,000 in Renewal Income –

Vested for LifeVested for Life Over $250,000 in Stock AppreciationOver $250,000 in Stock Appreciation This is a Total of $650,000 in Net WorthThis is a Total of $650,000 in Net Worth

What It TakesWhat It Takes To Get Started To Get Started

11stst You must obtain a Life, Accident and Health You must obtain a Life, Accident and Health Insurance License in your home state. Depending Insurance License in your home state. Depending on the state you live in, the cost for the training on the state you live in, the cost for the training class and the test will range from $250 to $350. class and the test will range from $250 to $350.

We will also reimburse your license fees We will also reimburse your license fees after you write your first 50 policies!after you write your first 50 policies!

22ndnd You must attend our Corporate “Sales School” You must attend our Corporate “Sales School” training program. It lasts 1 week. We pay your training program. It lasts 1 week. We pay your airfare and hotel expenses while you are there.airfare and hotel expenses while you are there.

This is where we will teach you everything you This is where we will teach you everything you need to know in order to do well in our business.need to know in order to do well in our business.

What It TakesWhat It Takes To Get Started To Get Started

33rdrd Once out of training class, you will then Once out of training class, you will then be in a 2 week detailed “Field Training” be in a 2 week detailed “Field Training” program. This is where you will be program. This is where you will be accompanied in the field, by an accompanied in the field, by an experienced sales trainer to help you get experienced sales trainer to help you get up and going.up and going.

44thth The turn around time for your first The turn around time for your first paycheck is about 3 weeks from the time paycheck is about 3 weeks from the time you start your pre-license training class.you start your pre-license training class.

3 Questions And Answers 3 Questions And Answers To Ask In Order To Work To Ask In Order To Work With Pinnacle Brokerage With Pinnacle Brokerage

FirmFirm 1.1. Have you ever been charged Have you ever been charged

with, convicted of or plead no with, convicted of or plead no contest to a contest to a felonyfelony? ?

Answer must be NOAnswer must be NO 2.2. Is travel a possibility for you? Is travel a possibility for you?

Answer must be YESAnswer must be YES 3.3. What is the time frame for you What is the time frame for you

in starting a new career? in starting a new career? Must be less than 1 Must be less than 1

monthmonth

Where Do You Stand?Where Do You Stand?

#1#1 What appeals to you the most What appeals to you the most about our Opportunity?about our Opportunity?

#2#2 On a Scale of 1 to 10 : How On a Scale of 1 to 10 : How interested are you in being considered interested are you in being considered for a position with Pinnacle Brokerage for a position with Pinnacle Brokerage Firm? Firm?

If you are at a 7 or higher you are If you are at a 7 or higher you are definitely a candidate for us to talk definitely a candidate for us to talk

to.to.

Next Steps For A Next Steps For A Second InterviewSecond Interview

If your answer on the previous slide to question If your answer on the previous slide to question #2 #2 was a was a 7 7 or higher, we want to talk with you. So or higher, we want to talk with you. So

here here are the steps you are the steps you MUSTMUST follow in order to follow in order to be called be called back for a 2back for a 2ndnd Interview. Interview.

#1#1 Email your resume with a cover letter to Email your resume with a cover letter to the the following address: following address: employment@pbfirm.com and and include your city & state of residence in the include your city & state of residence in the subject line.subject line.

In you cover letter be sure to include the answer In you cover letter be sure to include the answer

to the following question: What appeals to you most to the following question: What appeals to you most about our opportunity? Also, include the best time to about our opportunity? Also, include the best time to contact you over the phone for your “Personal contact you over the phone for your “Personal Interview” Interview”

Next Steps For A Next Steps For A Second InterviewSecond Interview

#2#2 Go to our website, Go to our website, www.pbfirm.com and and review each page in order to fully review each page in order to fully understand our business and what we do.understand our business and what we do.

#3 #3 Come up with a list of any questions Come up with a list of any questions you you may have about our Company or our may have about our Company or our

business.business.

#4#4 Be available to receive you 2Be available to receive you 2ndnd Interview Interview call within the next 24 hours.call within the next 24 hours.

It’s That SimpleIt’s That Simple That’s the job in a Nutshell.That’s the job in a Nutshell.

If you are definitely interested in pursuing a career with If you are definitely interested in pursuing a career with Pinnacle Brokerage FirmPinnacle Brokerage Firm, please make sure you get , please make sure you get us your cover letter and resume today! We answer us your cover letter and resume today! We answer them in the order that they are received.them in the order that they are received.

I really appreciate everyone’s time today and I look I really appreciate everyone’s time today and I look forward to speaking with a number of you soon! forward to speaking with a number of you soon!

After you log out of the Interview session, be sure to After you log out of the Interview session, be sure to wait a few seconds and you will be directly sent to our wait a few seconds and you will be directly sent to our website. website.

So, Goodbye for now! Have a Fantastic Day!So, Goodbye for now! Have a Fantastic Day!