• The Opportunity to Help People
• Freedom and Independence
• Spend Extra Time With Your Children
• Set Your Own Hours
• Set Your Own Vacation Schedule
• Unlimited Income
• Company Support and Training
• Professional Development
• Management Opportunity

We make direct sales to individuals and small business owners. We make worksite sales to medium and large companies which enhance and complement an employer offering of benefits to employees. A voluntary benefits program allows the employee the opportunity to choose benefits that address their specific needs. The employer can actually see a reduction in payroll taxes rather than an expense when offering these benefits through the Section 125 "cafeteria plan".

Education is what you get when you read your contract. Experience is what you get when you do not read your contract.

• Renewals
• No Service Fees
• Vesting
• Contests and Trips
• Lifetime Renewals
• Direct Contact with Company
• Work Full-Time or Part-Time
• Open Territory

Insurance sales do well during good and bad economic times – that's because people are interested in protecting assets that have taken many years to accumulate, or because they understand the need to ensure their families will be protected when the unexpected happens.

When you contract with our company you become part of a large family. We want you to be successful and that's why the company provides:

Renewals – The big difference between insurance sales and other sales jobs is the residual income. Agents are paid each month from renewals beginning the second policy year. Without this residual income, a sales person is only as good as his last sale. For individuals in any other sales field, in order to increase their income they have to increase the number of units they sell. At the beginning of each week, month or year, they start over – what they've sold in the past doesn't matter. They're paid only for what they do in the present, but not the past.

Enhanced Commissions – Superior commission program creates monthly cash flow.

Expanded Area Opportunities – Agents are able to work anywhere in the primary state where they are a resident agent. Plus, work in other states where they have a non-resident license. Opportunity knocks!

Integrity – Every decision you make must benefit the following: the Customer, the Company and the Agent. Each is equal in importance, and if any one of them is missing, we simply won't do it.

Unlimited Opportunity – The opportunities are unlimited. You have the opportunity to choose your path - even into management. The future is always open to you. You can be an Agent or a Manager, the choice is up to you.

Strong Earning Potential - You Can Earn Over $100,000 in First Year Income.

We focus on the lucrative middle-income market for both individuals or employees of small businesses, with Section 125 tax saving advantages for employees and employers. You can make direct sales and worksite sales.

Why the middle-income market?

• 50% of all households earn $22,500 to $77,500 per year (U.S. Census 2006)
• Median income was $44,326 in 2005 (U.S. Census 2006)
• 38.8% of households include children under 18 (U.S. Census Bureau, August 30, 2005)
• Funeral costs have risen to average over $11,000 today, so life insurance is a MUST today

NFDA fact sheet, March 10, 2006

Take a look at our product portfolios:

SUPPLEMENTAL HEALTH & ACCIDENT INSURANCE

• Cancer
• Intensive Care
• Accident
• Heart Stroke
• Critical Illness
• Return of Premium (or Cash Value)

LIFE INSURANCE

• Term
• Whole Life
  

DIRECT SALES or WORKSITE SALES

If you like working in the direct sales market you have found a home. You can call on individuals, families and business owners to help one person at a time with their supplemental insurance coverage.

If you like working in the worksite market you have found a home. You can call on small, medium or large companies to help several people at a time with their supplemental insurance coverage.

No matter how you look at it, companies need strong benefits to keep good employees; yet, paying for benefits can really cut into company profits. Too often it seems you just can't win. Fortunately, there is a plan that really benefits both employees and employers: Section 125 Plan.Companies can afford to offer employees a strong benefit plan at no premium cost to the employer. Employees are happy and well cared for with excellent protection, as well as personal Federal, State and FICA tax savings. The employer saves FICA tax money too when they allow our products to be made available to their employees, with no insurance costs for their business!

• Voluntary benefits to individual employees within a workplace
• Section 125 tax savings for employer and employees
• Benefit premiums are paid via payroll deduction
• No cost to the employer
• Typical worksite products are cancer, accident, heart stroke, critical illness, and term life
• Typical direct products are cancer, accident, critical illnes, and return of premium (or cash value). Subject to state availability.

The information above was written to support the sale and marketing of insurance policies offered by Conseco Health Insurance Company. Based on your clients' particular circumstances and objectives, they should seek advice from a qualified and duly licensed independent tax or legal adviser. Consumer cannot rely upon or use the information above for the purposes of avoiding any tax or tax penalty that may be imposed by the Internal Revenue Code or other applicable law.

APPROVAL CODE: 10-2093