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OpportunityWhat is important to you?

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Defining Liberty National

• Organized in 1900 as a Fraternal Benefit Society

• Incorporated in 1929

• Licensed to operate in 49 States

Stability

Serving America

since 1900

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TORCHMARK CORPORATE PROFILE

TMK — NYSE

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Defining Liberty National

• A+ (Superior)From A.M. Best Company (as of 6/11)

• AA- “Very Strong”By Standard & Poor’s (as of 5/11)

• A1By Moody’s (as of 3/11)

• A+ “Strong”By Fitch (as of 1/11)

• Ward’s 50 Life-Health ListEvery year since 1995 (as of 7/11)

Stability

Customers expect their insurance

company to be there

when they need them

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What Would the “Perfect Company”

Have to Offer?

What Would the “Perfect Company”

Have to Offer?

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Income Opportunities

Financial Strength

Flexible Markets

Training

Advancement Opportunities

Integrity

IncentivesVested Renewals

1. Our Lead generation system – Why it’s so powerful

2. Our Products: Needs Based & Valued

3. How our Agents get Paid & Build Wealth

4. Our Management Career Track

5. Residual Income: The reason Career Minded Professionals make this a

Lifestyle

5 Key Objectives

DYNAMIC Lead Source Policy Owners – 4 Million

Open Enrollment Sponsorship

Worksite Re-enrollments

Child Safe Program

Accidental Death Policy

MedFacts Kit

Discount Card

Lead Management System

Living Benefits

Primary Wage Earner Spouse Children Price/Wk

Benefit Benefit BenefitPrice/Wk

$50,000 Cash Cancer $50,000 $50,000 $12.70

$1,000 Protector Max $1,000 $1,000 $6.30

Funeral Benefit (Whole Life)

Benefit Price/Wk

$15,000 Burial/ Final Expense$5.88

Monthly Income (10-Yr Term)

Benefit Price/Wk

$200,000 Burial/ Final Expense$13.64

$368, 000 of Benefits $38.52 Per Week

Insurance Sale Example (2.5%) $38 a week ($166 Monthly)

Performance Based Pay: In Home

Based on $38/month average premium, 60% advance and at 15% production pay

Weekly Average Monthly Yearly

Sales AdvanceWeekly

Production Pay

Total WeeklyIncome

TotalMonthly Income

TotalYearlyIncome

3 $820 $205 $1,025 $4,452 $53,434

4 $1,094 $273 $1,367 $5,932 $71,193

5 $1,368 $342 $1,710 $7,421 $89,056

6 $1,641 $410 $2,051 $8,901 $106,812

Weekly Average Monthly Yearly

Sales AdvanceWeekly

Production Pay

Total WeeklyIncome

TotalMonthly Income

TotalYearlyIncome

3 $820 $205 $1,025 $4,452 $53,434

4 $1,094 $273 $1,367 $5,932 $71,193

5 $1,368 $342 $1,710 $7,421 $89,056

Weekly Average Monthly Yearly

Sales AdvanceWeekly

Production Pay

Total WeeklyIncome

TotalMonthly Income

TotalYearlyIncome

3 $820 $205 $1,025 $4,452 $53,434

4 $1,094 $273 $1,367 $5,932 $71,193

Weekly Average Monthly Yearly

Sales AdvanceWeekly

Production Pay

Total WeeklyIncome

TotalMonthly Income

TotalYearlyIncome

3 $820 $205 $1,025 $4,452 $53,434

Weekly Average Monthly Yearly

Sales AdvanceWeekly

Production Pay

Total WeeklyIncome

TotalMonthly Income

TotalYearlyIncome

Performance Based Pay: Worksite

Based on $38/month average premium, 50% advance and at 15% production pay

32 Employee BusinessEnroll 50% Monthly Yearly

Sales Advance Production Pay

Total weeklyIncome

Totalmonthly Income

TotalYearlyIncome

8 $2,110 $844 $2,954 $12,704 $152,448

16 $4,221 $1,688 $5,909 $25,408 $304,896

32 Employee BusinessEnroll 50% Monthly Yearly

Sales Advance Production Pay

Total weeklyIncome

Totalmonthly Income

TotalYearlyIncome

8 $2,110 $844 $2,954 $12,704 $152,448

32 Employee BusinessEnroll 50% Monthly Yearly

Sales Advance Production Pay

Total weeklyIncome

Totalmonthly Income

TotalYearlyIncome

2011 Top Agent Incomes

$336,547

$198,106

$186,897

$175,109

$166,220

$166,192

$146,912

$132,132

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WHERE DO YOU WANT TO BE?

Advancement

PresidentVice President

Regional Director

Branch Manager

Unit Manager

Asst. Unit Manager

Agent

100% Merit Based Promotions through

“Career Track” program.

A Fast Track Management

Training Program

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Advancement Opportunities

Unit Manager Pay Example Commission Payment

$2,111

35%

$738.85from one

Agent

Override of 35% for Unit Manager(Assuming Agent appointed less than 12 months)

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Assuming $50,000 policy purchased on Bank Draft, BASED ON MAXIMUM PRODUCTION PAY AND MAXIMUM COMMISSION for Agent with 5-13 weeks of service and 4-week gross submit average of $2,500; Production Pay assumes DCN multiplier 1.0

Advancement Opportunities

Unit Manager Pay Example5 Sales

$38

$190

0.09 Factor

$2,111 AP Sold by

Agent this week

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Assuming $50,000 policy purchased on Bank Draft, BASED ON MAXIMUM PRODUCTION PAY AND MAXIMUM COMMISSION

for Agent with 5-13 weeks of service and 4-week gross submit average of $2,500; Production Pay assumes DCN multiplier 1.0

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Residual Income

Q. What’s the difference between Insurance and other sales professions?

A. Residual Income

Residual Income

Paid only once upon initial sale:

• Automobile salespeople

• Shoe salespeople

• Real Estate agents

Paid from sales made years ago:

• Insurance Agents

Agents paid each month from renewals beginning the 2nd policy year

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Vesting Schedule*Number of Continuous Years Contract In Force

at Time of Contract TerminationPercentage of

Vesting

Less than 11 full years None

At least 11 but less than 12 full years 10%

At least 12 but less than 13 full years 20%

At least 13 but less than 14 full years 30%

At least 14 but less than 15 full years 40%

At least 15 but less than 16 full years 50%

At least 16 but less than 17 full years 60%

At least 17 but less than 18 full years 70%

At least 18 but less than 19 full years 80%

At least 19 but less than 20 full years 90%

20 full years or more 100%

Payment of vested commissions begins on 20th anniversary of Agent’s start date

* For Illustrative Purposes Only. See contract for specific details.

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Vesting Example

$2,005 per week

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Vesting Example

$2,085,200

in production

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Residual Income

• Make money from sales you made years ago!

• Make money before you even get out of bed in the morning!

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Incentives

Convention locales have included:

• Caesars Palace, Las Vegas

• Fontainebleau Hotel, Miami

• Caribbean Cruise

• Puerto Rico

• Atlantis Resort, Bahamas

Torch Club Sales Convention Destinations

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Convention: San Diego June 18-21, 2013

Join us at Hotel del Coronado.

The ultimate San Diego destination, the resort’s enchanting island setting and classic architecture form the perfect backdrop for Convention 2013

Guest rooms blend a classic-yet-modern style with a relaxing, casual sophistication, provide 24-hour room service, and are mere steps from the magnificent Pacific Ocean