Blockbuster turned down an offer to buy Netflix for $50 mill

Netflix has over 64 mill subscribers

Excite rejects offer to buy

Google for $750,000

My Space tried to be

profitable too soon and

allowed facebook to take over the market

Why do smart people

make bad decisions?

Your successful past will block your visions

of the future.

Joel A. Barker

Paradigms- Intelligent / Say no to good ideas

NO DOWNSIDE RISK

Is the ladder of success you are climbing on the right wall? Passive income steam?

World Class Leaders deal in Objective reality

Are you optimizing your greatest asset?

Are you optimizingyour greatest asset?

Time Magazine’s “Person of the Century”

Reality is merely an illusion-Albeit a very persistent one.

To be able to lift your perspective from traditional thinking to

direct contact with a reality usually obscure to most human

beings.

Transition from scarcity-based independence to abundance

based interdependence

He believed that

sometime soon

everyone alive would

be able to live like a

“billionaire”

Are you optimizing

your greatest asset?

It becomes obvious if we want to

make minor changes in our lives

we can focus on attitudes and

behaviors.

But if we want to make significant

quantum change , we need to work

on our basic paradigms- the way we

view ourselves and the world

around us.

Are you optimizingyour greatest asset?

Each of us has many maps in our heads. We interpret everything we see through these mental maps.

We seldom question their accuracy ; we are usually even unaware we have them. Each of us tends to think we see things as they are, that we are objective, But this is not the case. We see the world not as it is, but as we are- or as we are conditioned to see it.

Are you optimizingyour greatest asset?

The more we are aware of these basic paradigms, maps, or assumptions and the extent we have been influenced by our experiences, the more we can take responsibility for those paradigms, examine them and test them against reality, change them if necessary, and listen to others and be open to their perceptions, thereby getting a larger picture and far more objective view.

• 75 percent of all insurance purchases will be online by 2020.

Google concludes that insurance is among the top five product categories in which the web is the dominant purchasing channel in addition to travel, digital media, ticket purchases and books magazines.

Common for the first four product categories is that the traditional sales channels have long been redundant as a result of digital disruption.

The same report predicts that 75 percent of all insurance purchases will be online by 2020.

History shows that it requires a "new mindset" when an industry is exposed to disruptive innovation.

For the insurance industry this poses a number of challenges at a time when much of the focus and resources are tied up in compliance with the regulatory requirements.

13

14

Generations Y, Z Set Tone for Life Insurance Distribution Innovation

We are dealing with a new life insurance customer, unlike any before, and differentiation and "survivability" in the future will be linked directly to the use of innovative technologies that simplify, streamline, and improve the user and buyer experience.

Our industry has come a long way during the past five years, but the pace at which technology is being deployed and adopted in insurance lags behind that of other industries. Generation Y, the largest cohort since the Baby Boomers, is extremely sophisticated, technology-wise, and immune to traditional marketing and sales pitches. What worked with earlier generations of customers won't work with them. Generation Z is even more media-, computer-, and Internet-savvy. Are any of these potential customers going to embrace paper-based processing and signing applications across the kitchen table?

The platform of the future will deliver everything needed to market, sell and process life products (as well as annuities) and be accessible via a single sign-on. It will minimize the keying of data, leverage reuse throughout the entire buying experience, and feed both legacy and emerging back-office systems, ensuring data integrity. We are well on our way as an industry, but even the best of innovative solutions will fall short of goal in the absence of industry commitment to leverage the benefits of technology.

Tim Wallace CEO of iPipeline // March 22, 2014

15

16

17

18

$325 Per Month Plus Set up Fee vs

$0 Monthly

No Name Carriers vs World Class Carriers

100% Payout with No Renewals & No

Advance on Submission vs

126% Payout with 5.85% Renewals &

100% Advance with 40% on Submission

$325 Per Month Plus Set up Fee vs

$0 Monthly

Mom & Pop shop vs 300 Full Time

Transamerica Employees

1 City vs The Entire USA & Canada

$1111

$379 Per Month Plus Set up Fee vs

$19.95 Monthly

$125 Per Month vs

$19.95 Monthly

$324 Per Month vs

$19.95 Monthly

$52 Per Month Plus $139 Upfront vs

$0 Monthly $30 monthly/$30 rebate

$125 Per Month Plus Postage vs

$0 Monthly

$125 Per Month Plus Set up Fee vs

$19.95 Monthly

$875 Per Month Plus Set up Fee vs

$19.95 Monthly

• Convention Costs

• Brochures Cost

• Travel Costs

• Gas Costs

• Wardrobe Costs

• Office Costs

• Staff Costs

• Copier/Fax/

• Paper

• Phone Bill

• Meals out

• Desks/ Décor/

• Furniture/

• Chairs Costs