PA-Greentree American Senior Benefits Sales Agent Opportunity

Overview:

American Senior Benefits (ASB) a tremendous career opportunity that is unlike any other company. Our hybrid business model, which takes the best aspects of the independent insurance world and combines those with the best aspects of the Career Model, provides our Agents and Managers with an opportunity that is unparalleled by any other in the industry. Listed below is a summary of the benefits of a career opportunity with American Senior Benefits.

1. Vesting/Ownership Once an Agent has been with ASB for 36 consecutive months, they are vested for a period equal to their tenure. For example, if an agent is with us for 37 months (anything more than 36) and leaves our organization, that agent will continue to receive renewals on everything that remains in force for a period of 37 months after they leave. Our agents are not only vested for their personal production, but they are also vested for any overwrite from agents in their downline. This ownership opportunity is better than any other career organization in the industry.

1. Compensation

1. 1. Agents that personally produce are compensated at the highest level in the industry. We have 5 different levels of compensation we make available to our agents. The higher the production of the agent, the higher the potential compensation available to the agent.
   2. In addition to personal commissions, we have 9 different levels for our agents to move up through. Each of these levels is overwrite-able to the levels below them, which means our Agents have a way of being paid based on the effort of those agents beneath them. This offers the agent that aspires to higher production, or the agent that aspires to management, several different ways to be paid.

1. Products We currently work with more than 200 carriers which allows us to provide Best in Class products in every core market Medicare Supplement, Final Expense, Life Insurance (UL/Term), Annuities and Long-Term Care. We go out of our way to do business only with highly rated carriers that we know will be there for the long term.

1. Advancement Opportunity We are looking for Leaders Finding and developing leaders is imperative to the long-term success of our company. American Senior Benefits provides the structure and roadmap for management opportunities and is looking for agents that aspire to these leadership positions. Our career path allows our agents and managers to move up one step at a time, while our compensation model rewards them on every step.

1. Networking/Idea Sharing/Best Practices We have some of the strongest insurance agents in the country, and all of them are willing to share ideas to help everyone grow stronger. Through the networking and sharing of best practices, our production per agent, and production per agency, continues to increase.

1. Partnered with Integrity Marketing Group July 2019 Integrity Marketing Group (IMG) is the largest senior market focused marketing company in the country. IMG has over 85 partner companies which brings:
   1. Proprietary Products
   2. Additional Marketing Support Thomas Arts
   3. Scale and Expertise

1. 5,500 Employees servicing over 8 million clients
2. $7B in New Annualized Premium

1. First Class Marketing System In addition to our relationship with Integrity Marketing Group, and the marketing support they provide through Thomas Arts and others, we have a partnership with Market Access Direct. ASB agents and managers have access to an unparalleled system which has a state-of-the-art CRM, Data Capture capabilities, and expert Lead programs. This system provides our agents with more and better prospects, not only for today, but also for the future.

1. One-Check System This flexible commission system allows our agents and managers to receive accurate, predictable, and timely commissions. Our one-check system, provides the following additional benefits:

1. 1. Through the flexibility of our one-check system, we can split business between agents even when a carrier will not allow it.
   2. We can pay overwrite to an agent or manager, even if that person is not appointed with the carrier.
   3. If a chargeback occurs, we can pay off that chargeback with commissions from another carrier. This keeps the agent from getting a large negative balance with any company and potentially prevents them from being reported to Vector.
   4. Agents and Managers receive one compensation statement for all commissions rather than dozens of statements from multiple carriers.
   5. Our commissions are paid weekly, giving our agents the ability to receive predictable, consistent compensation.

1. Electronic Licensing System Our electronic licensing system (ECS) simplifies the licensing process and allows agents to be licensed with multiple carriers more simply and quickly.

1. Reports Our agents and managers have access to multiple reports (submitted, issued, Recruiting, Convention, etc) that allow them to know where they stand compared to others both on a regional level as well as a national level. This allows competition among our agents and managers all across the country.

1. Promotions and Incentives We have first-class trips and conventions, including ASB incentives as well as trips sponsored by our partner companies. Our agents and managers can potentially go on as many as 4-5 paid vacations each year.

1. Ground Floor Opportunity Being in on the ground floor of a company whose goal is to be the leading provider of senior products in the industry. Everyone wants to be part of a company that is growing.

1. Marketing Materials and Support We have presentations for all product lines both electronically as well as hard copy. We have turn-key processes designed to give agents a blueprint to solving client needs.

1. Advanced Sales Teams Through our relationships with partner companies, and through internal resources, ASB has advanced sales teams that can help with the most complex sales situations agents run into:
   1. Medicare/Medicare Advantage Specialists in the ever-changing world of Medicare, ASB has specialists to assist with determining which carriers provide the best value, both in the Medicare Supplement space, and the Medicare Advantage space.
   2. Annuity Sales Support Our partnership Gradient give you the most comprehensive annuity sales support teams in the industry. Doug McDermott is one of the premier annuity specialists in the country and runs this division.
   3. Advanced Life Sales through our own Life Back Office we have a support team that is on call to assist you with running quotes, working on pending cases, and assisting with the most advanced estate planning or life insurance sales opportunity.

1. Team Atmosphere Our career opportunity, unlike the brokerage world, provides an atmosphere for being part of something bigger than just you.

1. A Company on the Move Our submitted premium results from our inception are as follows:

2005 - $8M

2011 - $64M

2017 - $134M

2006 - $16M

2012 - $75M

2018 - $161M

2007 - $27M

2013 - $83M

2019 - $173M

2008 - $40M

2014 - $92M

2020 - $183M

2009 - $56M

2015 - $99M

2021 - $211M

2010 - $57M

2016 - $118M

2022 - $283M

Our Results Speak for Themselves. This type of unparalleled growth does not happen by mistake.

1. SAGE Tuition Rewards Program - this second to none marketing program offers our clients discounted tuition expenses for their children and grandchildren at no additional expense.

Work with your local ASB Team to service your community.

Ability to obtain a life and health producer license in your state with our help.

Desire to work a minimum of 40 hours weekly

Superior people skills

Humility