This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

CAREER LEADERSHIP BRIEFING

LNL2281 0314© 2013-2014 Liberty National Life Insurance Company. All rights reserved.

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Defining Liberty National 100+ Years At Work

• MARKET LIFE AND SUPPLEMENTAL HEALTH INSURANCE IN THE HOME AND AT THE WORKPLACE

• WE PROTECT AMERICA’S WORKING CLASS

• LICENSED IN 49 STATES

• OWNED BY A FORTUNE 1000 FINANCIAL SERVICES CORPORATION

STABILITY

SERVING AMERICA SINCE 1900

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LIBERTY NATIONAL LIFE

AMERICAN INCOME LIFE/NATIONAL INCOME LIFE

FAMILY HERITAGE

UNITED AMERICAN / FIRST UNITED AMERICAN

GLOBE LIFE

Financial Strength TMK — NYSE

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Liberty National

•A+ (SUPERIOR) FINANCIAL STRENGTH RATING FROM A.M. BEST COMPANY (AS OF 6/13)

•AA- “VERY STRONG” FINANCIAL STRENGTH RATING FROM STANDARD & POOR’S (AS OF 7/13)

•A1 INSURER’S FINANCIAL STRENGTH RATING BY MOODY’S (AS OF 3/12)

•A+ “STRONG” INSURER’S FINANCIAL STRENGTH RATING BY FITCH (AS OF 2/13)

•WARD’S 50 LIFE-HEALTH LIST EVERY YEAR SINCE 1995 (AS OF 7/13)

SUPERIOR RATINGS IN THE FINANCIAL WORLD

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WHAT WOULD THE “PERFECT

COMPANY” HAVE TO OFFER?

100+ YEARSOF BEST PRACTICES

RAPID ADVANCEMENT

AGENCYOWNERSHIP

LEADERSHIPACADEMYTRAINING

NATIONALADVANCEMENTOPPORTUNITIES

LEADERSHIP POSITIONS

DUAL MARKET EXPLOSIVE GROWTH

UNLIMITEDEARNINGS

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Liberty Leadership Positionsat Work for YOU!

LEADERSHIP GROWTH TRACK

AGENCY OWNER

REGIONAL AGENCY DIRECTOR

AGENCY DIRECTOR

SUPERVISING AGENT

CAREERAGENT

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

I.

WORLD CLASS LEADERSHIP COACHING AND MANAGEMENT TRAINING FOR THE INDUSTRY'S BEST

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Liberty National 100+ yearsof Best Practices

“LIBERTY LEADERSHIP DEVELOPMENT

SYSTEMS IN ACTION”

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Liberty Leadership Advantage AGENCY OWNER CERTIFIED RELEASE MEETING

EARNING REVIEW AND EXPECTATIONS

ACTIVITY METRICS TO ENSURE SUCCESS

DUAL MARKET TRAINING SCHEDULE

CAREER LEADERSHIP TRACK TO PROMOTION

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Why Successful People Choose Leadership at Liberty

1. ABILITY TO BUILD A DYNAMIC TEAM

2. OPPORTUNITY TO GROW AN AGENCY

3. ACCELERATE PERSONAL EARNINGS

4. BUILD REAL WEALTH WITH RESIDUALS

5. REWARDS AND RECOGNITION

6. ADVANCEMENT TO GREATER LIBERTYLEADERSHIP ROLES

11

LEADERS WANT TO CONTROLTHEIR OWN DESTINY

THE LIBERTY LEADERSHIP ADVANTAGE

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Top Reasons Why Liberty Leaders Advance

1. APTITUDE FOR LEADERSHIP

TRAITS WE LOOK FOR AS A LEADERSHIP CANDIDATE

2. COACHABLE / ABILITY TO COACH OTHERS

3. EAGERNESS TO IMPROVE AS A LEADER

4. CLEAR VISION OF SUCCESS FOR YOU AND THOSE YOU LEAD

5. THE NEED TO EARN SIX FIGURES AND BUILD REAL WEALTH

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Liberty NationalMarketing at Work for You

Child Safe KitThe Child Safe Kit provides a place to record important identifying information in one convenient location that can be used in the event a child becomes missing.

MedFacts KitThe MedFacts Kit provides a place to record important health information in one convenient location that can be used I the event of a medical emergency.

Memorial GuideThis valuable guide allows clients to keep all of their information relating to final wishes in one convenient location.

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Dynamic Lead Source1. CURRENT CUSTOMERS –

over 3 MILLION POLICIES

2. WORKSITE RE-ENROLLMENTS

3. SPONSORSHIP OPPORTUNITY

• CHILD SAFE PROGRAM

• ACCIDENTAL DEATH POLICY

• MEDFACTS KIT

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

2013 Average Agent Earnings

$55,352Average of Agents with 12 months service

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Dual Market Opportunity

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Needs-Based Laptop Presentation

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Needs-Based Laptop Presentation

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Employee Care Plan $43.00 month/$9.93 per week

Primary Wage Earner

35-YEAR-OLD MALE, NONTOBACCO RATES

BENEFIT LIVING BENEFITS

$15,000 CRITICAL ILLNESS / CANCER

$1,000 EMERGENCY TREATMENT

BENEFIT FINAL EXPENSE

$15,000 FINAL EXPENSE

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Worksite Enrollment –Employee Care Plan

BASED ON PREVIOUS EXAMPLE $43.00 MONTHLY PREMIUM; 70% DIRECT PAY (MUST SUBMIT AND ENROLL 2 NEW SECTION 125 CASES IN 2013) AND AT

APPLICABLE BONUS;

1.0 DCN MULTIPLIER; NO COMMISSION ACCOUNT DRAW

WEEKLY SALES

WEEKLY ADVANCE

BONUSTOTAL

WEEKLY EARNINGS

TOTAL MONTHLY EARNINGS

TOTAL YEARLY

EARNINGS

3 $527 $310 $837 $3,627 $43,524

4 $703 $413 $1,116 $4,836 $58,032

5 $879 $516 $1,395 $6,045 $72,540

6 $1,055 $619 $1,674 $7,254 $87,048

7 $1,230 $723 $1,953 $8,463 $101,556

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Dual Market Leader - Direct Market

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Family Care Plan $48.72 per month/$9.86 per week

PRIMARY WAGE EARNER

35-YEAR-OLD MALE, NONTOBACCO RATES

BENEFIT LIVING BENEFITS

$15,000 CRITICAL ILLNESS / CANCER

BENEFIT Final Expense

$15,000 FINAL EXPENSE

BENEFIT Monthly Earnings

$30,000 MONTHLY EARNINGS

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Direct Enrollment–Family Care Plan

BASED ON PREVIOUS EXAMPLE $48.72 MONTHLY PREMIUM; 70% DIRECT PAY AND AT APPLICABLE BONUS; 1.0 DCN MULTIPLIER; NO COMMISSION

ACCOUNT DRAW

WEEKLY SALES

WEEKLY ADVANCE

WEEKLY PRODUCTION

PAY

TOTAL WEEKLY

EARNINGS

TOTAL MONTHLY EARNINGS

TOTAL YEARLY

EARNINGS

2 $435 $216 $651 $2,821 $33,852

3 $652 $325 $977 $4,234 $50,804

4 $870 $433 $1,303 $5,646 $67,756

5 $1,087 $541 $1,628 $7,055 $84,656

6 $1,304 $650 $1,954 $8,467 $101,608

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

LIBERTY NATIONALLIFE

Unlimited Agency GrowthTarget U.S. Market

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Leaders Build Real Wealthwith Residual Earnings

The No. 1 financial reason Leaders

choose a career with Liberty National is Residual Earnings.

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Residual Earnings (Renewals)

PAID EACH MONTH FROM POLICIES SOLD IN THE PAST AND STILL IN EFFECT

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Incentives

• CAESARS PALACE, LAS VEGAS

• FONTAINEBLEAU HOTEL, MIAMI

• CARIBBEAN CRUISE

• PUERTO RICO

• ATLANTIS RESORT, BAHAMAS

TORCH CLUB CONVENTION DESTINATIONS HAVE INCLUDED:

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

This presentation is designed to facilitate the agent contracting process and not for the purpose of advertising or promoting a commercial product or service.

Opportunity of a Lifetime –What it Takes

• STATE INSURANCE LICENSE

• GOOD WORK ETHIC AND COMMITMENT DURING:CLASSROOM TRAININGFIELD TRAININGMENTORING

• ENTREPRENEURIAL SPIRITYOU CAN BUILD YOUR BUSINESS AT THE RATE YOU ARE COMMITTED TO

REQUIREMENTS FOR SUCCESS