TEXAS NEXUS * Just click mouse or keyboard to move onto next slide.

TEXAS NEXUSTEXAS NEXUS

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Corporate StructureCorporate Structure

There are two facets to our business:There are two facets to our business:

Sales & MarketingSales & Marketing

Product Design & DevelopmentProduct Design & Development

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

The Sales and Marketing SideThe Sales and Marketing Side Texas NexusTexas Nexus

Founded in 2006, San Antonio, TXFounded in 2006, San Antonio, TX

We are a sister company to Pinnacle Brokerage We are a sister company to Pinnacle Brokerage Firm, HQ in Houston, TXFirm, HQ in Houston, TX

One of the fastest growing divisions for Pinnacle One of the fastest growing divisions for Pinnacle Brokerage FirmBrokerage Firm

Account for over 1.8 million in NAP since our Account for over 1.8 million in NAP since our inception, with over 30% growth every year.inception, with over 30% growth every year.

Currently represented by agents in San Antonio, Currently represented by agents in San Antonio, Corpus Christi, El Paso, Houston, and The Rio Corpus Christi, El Paso, Houston, and The Rio Grande ValleyGrande Valley

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

Our Partner Pinnacle Brokerage Our Partner Pinnacle Brokerage FirmFirm

Founded in 2002, HQ in Houston, TXFounded in 2002, HQ in Houston, TX

The largest, fastest growing & most The largest, fastest growing & most profitable of the 20+ brokerage profitable of the 20+ brokerage companies that sell the products we docompanies that sell the products we do

Account for 36% of all business sold for Account for 36% of all business sold for our underwriterour underwriter

Product and Product and Development SideDevelopment Side

Family Heritage Family Heritage 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

We pay our policy holders, We pay our policy holders, notnot doctors & hospitals doctors & hospitals

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

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

Here are the different types of coverage we offer.Here are the different types of coverage we offer.1. Cancer1. Cancer 4. Intensive Care4. Intensive Care2. Heart and Stroke2. Heart and Stroke 5. Accident5. Accident3. Hospital Indemnity3. Hospital Indemnity 6. Life6. Life

Why We Sell Why We Sell SupplementalSupplemental

In a word: PersistencyIn a word: Persistency

Life Insurance:Life Insurance: 2 – 4 years 2 – 4 years Cancer Insurance: 5 – 7 years Cancer Insurance: 5 – 7 years Cancer Insurance w/ROP: 16 Cancer Insurance w/ROP: 16

yearsyears

Who We Sell ToWho We Sell To

Our Target Markets are:Our Target Markets are:

Small & Medium BusinessesSmall & Medium Businesses Individuals & FamiliesIndividuals & Families ReferralsReferrals

How We Sell Our How We Sell Our ProductsProducts

Our Prospecting Methods:Our Prospecting Methods:

We teach our sales force a strict We teach our sales force a strict referral based method called Pre-referral based method called Pre-Approach.Approach.

After that, 70% to 80% of your sales After that, 70% to 80% of your sales should come from warm calls & should come from warm calls & referrals.referrals.

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, Texas Nexus is the place for you. energetic, Texas Nexus is the place for you.

We OfferWe Offer : :

Great Pay PlansGreat Pay Plans

Stock OptionsStock Options

Lifetime RenewalsLifetime Renewals

Cash BonusesCash Bonuses

Incredible Travel IncentivesIncredible Travel Incentives

The Product The Product PresentationPresentation

The product presentation that follows is set The product presentation that follows is set up as you would present it to a Business up as you would present it to a Business Owner or Family. It takes about 10 Owner or Family. It takes about 10 minutes to explain in person.minutes to explain in person.

Ask yourself Three QuestionsAsk yourself 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 Out of 30 presentations per week, how

many would apply for coverage?many 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 on the annual premium sold for the first 12 months.sold for the first 12 months.

GROSS INCOME EARNINGS EXAMPLE

1 sale a day = $65,000.001 sale a day = $65,000.00

2 sales a day = 2 sales a day = $130,000.00$130,000.00

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 into a Full vesting after only five years locks you into 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 = $38,000.00

2 sales a day = $76,000.00

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 Destinations Vacation 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

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.

Company Stock OptionsCompany Stock Options

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

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

approximatelyapproximately

28% a year for the past 17 years28% a year for the past 17 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

What It Takes To Get What It Takes To Get StartedStarted

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 licensing will on the state you live in, the cost for licensing will range from $200 - $250. range from $200 - $250.

We can also reimburse your license fees after We can also reimburse your license fees after you write your first 60 apps!you write your first 60 apps!

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 lodging expenses while you are there.airfare and lodging 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 Once out of training class, you will then be in a 2 week detailed “Field then be in a 2 week detailed “Field Training” program. This is where you Training” program. This is where you will be accompanied in the field, by an will be 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 2 weeks from the time paycheck is about 2 weeks from the time you start your pre-license training class.you start your pre-license training class.

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

TEXAS NEXUSTEXAS NEXUS

1.1. Have you ever been convicted of, Have you ever been convicted of, plead guilty or no contest to a plead guilty or no contest to a felonyfelony? ?

Must be NoMust be No 2.2. Is minimal travel a possibility for Is minimal travel a possibility for

you? you?

Must be YesMust be Yes 3.3. What is the time frame for you in What is the time frame for you in

starting a new career? starting a new career?

Must be less than 1 monthMust be less than 1 month

Where Do You Stand?Where Do You Stand?

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

On a Scale of 1 to 10 : How interested On a Scale of 1 to 10 : How interested are you in being considered for a are you in being considered for a position with Texas Nexus? position with Texas Nexus?

If you are at an 8 or higher then If you are at an 8 or higher then you are definitely a candidate for you are definitely a candidate for

us to talk with.us to talk with.

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 If you are definitely interested in pursuing a career with career with Texas NexusTexas Nexus, please make sure to , please make sure to contact us our contact information on our contact us our contact information on our website’s contact page website’s contact page

www.texas-nexus.comwww.texas-nexus.com

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