PRODUCT AND SERVICE OUTLOOK: BGAs and Other Wholesalers LIS BGAs and Other Wholesalers The brokerage general agencies and other wholesalers listed in each category on this page and through page 68 have told us they offer these products and services. You can find out more by contacting the companies directly, using the information in the Master Marketing List, which begins on page 73. Please tell these companies you saw them listed in LIFE INSURANCE SELLING’s Review & Outlook issue. Products: Accident insurance Brokerage, Inc., The Calkins Kramer Insurance Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Disability Insurance Services Fitzsimmons Brokerage Agency General Agent Center Insurance Resources Group J. L. Thomas & Co., Inc. NFS Marketing Petersen International Underwriters Revere Financial Transamerica Worksite Marketing Annuities Charitable gift annuities Ann Arbor Annuity Exchange AnnuityWorks Borden Hamman Agency Brokerage Unlimited, Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. Ohlson Group, Inc., The PDI Financial Group Senior Market Sales, Inc. Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Fixed annuities AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange lifeinsuranceselling.com AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. National Design & Marketing Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Flexible-premium deferred annuities AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. National Design & Marketing Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Indexed annuities AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Independent Producers Group, LLC Insurance Resources Group National Design & Marketing Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Reversionary annuities America’s First Financial Corporation Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Insurance Resources Group Ohlson Group, Inc., The Paradigm Insurance Marketing PDI Financial Group Tomorrow’s Financial Services Single-premium deferred annuities AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Independent Producers Group, LLC Insurance Resources Group Review & Outlook 2008 LIS 61 LIS PRODUCT AND SERVICE OUTLOOK: BGAs and Other Wholesalers J. L. Thomas & Co., Inc. National Design & Marketing Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Single-premium immediate annuities AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. National Design & Marketing Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Structured settlement annuities AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange AnnuityWorks Benefit Program Services, Inc. 62 LIS Review & Outlook 2008 Borden Hamman Agency Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Davis Life Brokerage ECA Marketing, Inc. Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. Ohlson Group, Inc., The PDI Financial Group Resource Brokerage, LLC Tomorrow’s Financial Services Underwriters Marketing Service Inc. Tax-sheltered annuities (Section 403(b)) AIP Group, The Ann Arbor Annuity Exchange AnnuityWorks Borden Hamman Agency Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Creative Marketing DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Insurance Resources Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Senior Market Sales, Inc. Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Underwritten (impaired risk) annuities AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group First American Insurance Underwriters Fitzsimmons Brokerage Agency General Agent Center Gorham Insurance/Insurance Designers Highland Capital Brokerage IAMS Inc. Insurance Resources Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Variable annuities Disability insurance (individual) Ann Arbor Annuity Exchange Borden Hamman Agency Brokerage Unlimited, Inc. Brokers International, Ltd. Champion Agency, Inc. Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group Partners Advantage Ins. Services, LLC PDI Financial Group Tomorrow’s Financial Services College funding AMZ Financial Brokers Clearing House, LTD. Brokers International, Ltd. Champion Agency, Inc. Custom Benefit Plans Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Critical illness (individual) AIP Group, The America’s First Financial Corporation Blumberg Financial Services, LLC Borden Hamman Agency Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Disability Insurance Services Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Blue collar disability America’s First Financial Corporation Ann Arbor Annuity Exchange Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Solutions, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Disability Insurance Services Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Insurance Resources Group NFS Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Risk Insurance and Reinsurance Solutions Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Business overhead expense America’s First Financial Corporation Ann Arbor Annuity Exchange Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Solutions, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) lifeinsuranceselling.com PRODUCT AND SERVICE OUTLOOK: BGAs and Other Wholesalers LIS Davis Life Brokerage Disability Insurance Services Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Exceptional Risk Advisors, LLC First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Buy/sell disability America’s First Financial Corporation Ann Arbor Annuity Exchange Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Solutions, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Disability Insurance Services Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Exceptional Risk Advisors, LLC First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Long-term disability America’s First Financial Corporation Ann Arbor Annuity Exchange Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Solutions, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Disability Insurance Services lifeinsuranceselling.com Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Risk Insurance and Reinsurance Solutions Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Mortgage disability America’s First Financial Corporation Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Solutions, Inc. Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Disability Insurance Services Emmett Insurance Group First American Insurance Underwriters Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Tomorrow’s Financial Services Underwriters Marketing Service Inc. Short-term disability America’s First Financial Corporation Ann Arbor Annuity Exchange Benefit Program Services, Inc. Borden Hamman Agency Brokerage Solutions, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Disability Insurance Services Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Exceptional Risk Advisors, LLC First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group J. L. Thomas & Co., Inc. NFS Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Employee benefits Group health/medical plans Brokerage, Inc., The Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Fitzsimmons Brokerage Agency General Agent Center Highland Capital Brokerage Partners Advantage Ins. Services, LLC Petersen International Underwriters Resource Brokerage, LLC Transamerica Worksite Marketing Health Savings/ Reimbursement accounts Brokerage, Inc., The Custom Benefit Plans Fitzsimmons Brokerage Agency Partners Advantage Ins. Services, LLC Resource Brokerage, LLC Tomorrow’s Financial Services Group short-term disability Ann Arbor Annuity Exchange Brokerage Solutions, Inc. Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Dunhill Marketing & Ins. Services, Inc. Fitzsimmons Brokerage Agency Highland Capital Brokerage Insurance Resources Group NFS Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Resource Brokerage, LLC Revere Financial Transamerica Worksite Marketing Group long-term disability Ann Arbor Annuity Exchange Brokerage Solutions, Inc. Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Fitzsimmons Brokerage Agency Highland Capital Brokerage Insurance Resources Group Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Resource Brokerage, LLC Revere Financial Group long-term care insurance AIMS Marketing Borden Hamman Agency Brokerage Solutions, Inc. Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Fitzsimmons Brokerage Agency Highland Capital Brokerage Insurance Resources Group LTCI Partners, LLC Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Revere Financial Senior Market Sales, Inc. Transamerica Worksite Marketing Group critical illness Brokerage, Inc., The Calkins Kramer Insurance Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Dunhill Marketing & Ins. Services, Inc. Fitzsimmons Brokerage Agency Highland Capital Brokerage Insurance Resources Group NFS Marketing Resource Brokerage, LLC Revere Financial Transamerica Worksite Marketing Voluntary benefit plans Blumberg Financial Services, LLC Brokerage Solutions, Inc. Brokerage, Inc., The Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Fitzsimmons Brokerage Agency General Agent Center NFS Marketing Paradigm Insurance Marketing Resource Brokerage, LLC Revere Financial Transamerica Worksite Marketing Impaired risk disability Benefit Program Services, Inc. Blumberg Financial Services, LLC Brokerage Solutions, Inc. Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Disability Insurance Services Emmett Insurance Group Exceptional Risk Advisors, LLC Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Resource Brokerage, LLC Revere Financial Risk Insurance and Reinsurance Solutions Underwriters Marketing Service Inc. Zenith Marketing Group Review & Outlook 2008 LIS 63 LIS PRODUCT AND SERVICE OUTLOOK: BGAs and Other Wholesalers Impaired risk life AIP Group, The America’s First Financial Corporation Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Exceptional Risk Advisors, LLC Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Revere Financial Senior Market Sales, Inc. Tough Case Insurance Agency, Inc., The Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Individual major medical Brokerage, Inc., The Custom Benefit Plans Fitzsimmons Brokerage Agency IAMS Inc. Partners Advantage Ins. Services, LLC Petersen International Underwriters Resource Brokerage, LLC International disability Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Disability Insurance Services Exceptional Risk Advisors, LLC Fitzsimmons Brokerage Agency PDI Financial Group Petersen International Underwriters Revere Financial International health/ medical Benefit Program Services, Inc. Brokerage, Inc., The 64 LIS Review & Outlook 2008 Fitzsimmons Brokerage Agency Petersen International Underwriters Resource Brokerage, LLC Investments Ann Arbor Annuity Exchange Blumberg Financial Services, LLC Emmett Insurance Group Fitzsimmons Brokerage Agency Hutchens Brokerage Group, Inc. Insurance Resources Group Tomorrow’s Financial Services Life insurance (individual) Current assumption whole life AIP Group, The America’s First Financial Corporation AnnuityWorks Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Unlimited, Inc. Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group NFS Marketing Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Fee-only life policies Blumberg Financial Services, LLC Champion Agency, Inc. First American Insurance Underwriters Highland Capital Brokerage Tomorrow’s Financial Services Final expense AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans Dallas Financial Wholesalers Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Insurance Resources Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group First-to-die plans AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange AnnuityWorks Brokerage Unlimited, Inc. Brokerage, Inc., The Champion Agency, Inc. Covenant Reliance Producers DAI (Dworkin Associates, Inc.) Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group First American Insurance Underwriters Gorilla Insurance Marketing, Inc Highland Capital Brokerage J. L. Thomas & Co., Inc. National Design & Marketing Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Graded death benefit plans AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange Benefit Program Services, Inc. Borden Hamman Agency Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage IAMS Inc. Insurance Resources Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services Tough Case Insurance Agency, Inc., The Underwriting Specialists, Inc. Zenith Marketing Group Graded premium whole life AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange Borden Hamman Agency Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorilla Insurance Marketing, Inc Highland Capital Brokerage Insurance Resources Group OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Tomorrow’s Financial Services Zenith Marketing Group Guaranteed issue AIP Group, The Ann Arbor Annuity Exchange Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage, Inc., The Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Insurance Resources Group J. L. Thomas & Co., Inc. OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services Tough Case Insurance Agency, Inc., The Underwriters Marketing Service Inc. Zenith Marketing Group lifeinsuranceselling.com PRODUCT AND SERVICE OUTLOOK: BGAs and Other Wholesalers LIS High issue age AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group J. L. Thomas & Co., Inc. NFS Marketing Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Tough Case Insurance Agency, Inc., The Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Indexed life AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers lifeinsuranceselling.com Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Independent Producers Group, LLC Insurance Resources Group National Design & Marketing Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Juvenile policies AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Creative Marketing Custom Benefit Plans Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Underwriters Marketing Service Inc. Last survivor plans AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services Tough Case Insurance Agency, Inc., The Underwriters Marketing Service Inc. Zenith Marketing Group Term insurance Annual renewable term AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. 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Services, LLC PDI Financial Group Tomorrow’s Financial Services Universal life AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. 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Services, LLC PDI Financial Group Tomorrow’s Financial Services Zenith Marketing Group Whole life AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. 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Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Custom Benefit Plans DAI (Dworkin Associates, Inc.) Davis Life Brokerage Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. LTCI Partners, LLC NFS Marketing OC Life Insurance Agency, Inc. Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Tomorrow’s Financial Services lifeinsuranceselling.com PRODUCT AND SERVICE OUTLOOK: BGAs and Other Wholesalers LIS Transamerica Worksite Marketing Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Medicare supplements AIP Group, The Benefit Program Services, Inc. Borden Hamman Agency Brokerage, Inc., The Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans IAMS Inc. NFS Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Underwriters Marketing Service Inc. Retirement plans Administrative services AIP Group, The Ann Arbor Annuity Exchange Fitzsimmons Brokerage Agency Tomorrow’s Financial Services Underwriters Marketing Service Inc. Cafeteria plans Cornerstone Ins. and Financial Services, Inc. Dunhill Marketing & Ins. Services, Inc. NFS Marketing Tomorrow’s Financial Services Enrollment services Cornerstone Ins. and Financial Services, Inc. Resource Brokerage, LLC Tomorrow’s Financial Services Nonqualified plans AIP Group, The Ann Arbor Annuity Exchange Blumberg Financial Services, LLC Borden Hamman Agency Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. DAI (Dworkin Associates, Inc.) Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC Resource Brokerage, LLC Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Qualified plans AIP Group, The America’s First Financial Corporation Ann Arbor Annuity Exchange Blumberg Financial Services, LLC lifeinsuranceselling.com Borden Hamman Agency Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. DAI (Dworkin Associates, Inc.) Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC Resource Brokerage, LLC Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Viatical/life settlements Borden Hamman Agency Brokers Clearing House, LTD. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Custom Benefit Plans Davis Life Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. ELA Settlement Services, LLC Emmett Insurance Group First American Insurance Underwriters Fitzsimmons Brokerage Agency Highland Capital Brokerage Hutchens Brokerage Group, Inc. Insurance Resources Group J. L. Thomas & Co., Inc. NFS Marketing Ohlson Group, Inc., The Tomorrow’s Financial Services Underwriters Marketing Service Inc. Zenith Marketing Group Other products and services offered AnnuityWorks In-house advertising and marketing support Calkins Kramer Insurance Inc. In-house underwriter/case shopping/ value added service Dallas Financial Wholesalers EZ online agent contracting Dunhill Marketing & Ins. Services, Inc. Premium financing ELA Settlement Services, LLC Able to purchase single-premium annuities Exceptional Risk Advisors, LLC High-limit key person disability Insurance Resources Group Approved premium financing Paradigm Insurance Marketing 419(e) single employer ERISA retirement benefit plans Petersen International Underwriters Senior temporary medical plans Underwriters Marketing Service Inc. Reverse mortgages Zenith Marketing Group PAR (policy audit and review), CPA market access, medalist-preferred producer program Services: Continuing education AIP Group, The Ann Arbor Annuity Exchange Annuities Exchange Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dunhill Marketing & Ins. Services, Inc. Emmett Insurance Group First American Insurance Underwriters Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC J. L. Thomas & Co., Inc. LTCI Partners, LLC Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Zenith Marketing Group Internet support Downloadable forms AIMS Marketing AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Solutions, Inc. Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Disability Insurance Services Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. ELA Settlement Services, LLC Emmett Insurance Group Fairlane Financial Corp. Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency General Agent Center Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Insurance Resources Group J. L. Thomas & Co., Inc. LTC Partnership, LLC., The LTCI Partners, LLC National Design & Marketing Group Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Risk Insurance and Reinsurance Solutions Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Online application status AIMS Marketing AIP Group, The Benefit Program Services, Inc. Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Disability Insurance Services Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Final Expense Brokerage First American Insurance Underwriters General Agent Center Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. J. L. Thomas & Co., Inc. LTCI Partners, LLC National Design & Marketing Group Partners Advantage Ins. Services, LLC PDI Financial Group Plus Group, Inc., The Resource Brokerage, LLC Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Product information AIMS Marketing AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Review & Outlook 2008 LIS 67 LIS PRODUCT AND SERVICE OUTLOOK: BGAs and Other Wholesalers Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Solutions, Inc. Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Brokers International, Ltd. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Disability Insurance Services Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. ELA Settlement Services, LLC Emmett Insurance Group Fairlane Financial Corp. Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency General Agent Center Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Insurance Resources Group J. L. Thomas & Co., Inc. LTC Partnership, LLC., The LTCI Partners, LLC National Design & Marketing Group NFS Marketing Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Risk Insurance and Reinsurance Solutions Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Quotes available AIMS Marketing AIP Group, The America’s First Financial Corporation AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Solutions, Inc. Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. 68 LIS Review & Outlook 2008 Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Disability Insurance Services Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency General Agent Center Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. IAMS Inc. Insurance Resources Group J. L. Thomas & Co., Inc. LTC Partnership, LLC., The LTCI Partners, LLC National Design & Marketing Group NFS Marketing Ohlson Group, Inc., The Paradigm Insurance Marketing Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Plus Group, Inc., The Resource Brokerage, LLC Revere Financial Risk Insurance and Reinsurance Solutions Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Lead program AIP Group, The AMZ Financial Ann Arbor Annuity Exchange AnnuityWorks Brokerage, Inc., The Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. Final Expense Brokerage First American Insurance Underwriters Gorilla Insurance Marketing, Inc Independent Producers Group, LLC NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC Resource Brokerage, LLC Senior Market Sales, Inc. Underwriters Marketing Service Inc. Marketing materials AIMS Marketing AIP Group, The AMZ Financial Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Benefit Program Services, Inc. Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Solutions, Inc. Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Disability Insurance Services Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. Final Expense Brokerage First American Insurance Underwriters Fitzsimmons Brokerage Agency General Agent Center Gorham Insurance/Insurance Designers Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. LTC Partnership, LLC., The LTCI Partners, LLC National Design & Marketing Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Resource Brokerage, LLC Revere Financial Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Underwriting Specialists, Inc. Zenith Marketing Group Software AIMS Marketing AIP Group, The Ann Arbor Annuity Exchange Annuities Exchange AnnuityWorks Blumberg Financial Services, LLC Bogdan and Associates, Inc. Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Calkins Kramer Insurance Inc. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Discovery Financial Brokerage Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. LTCI Partners, LLC National Design & Marketing Group NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Resource Brokerage, LLC Revere Financial Risk Insurance and Reinsurance Solutions Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Zenith Marketing Group Training AIMS Marketing AIP Group, The AMZ Financial Ann Arbor Annuity Exchange AnnuityWorks Blumberg Financial Services, LLC Borden Hamman Agency Brokerage Unlimited, Inc. Brokerage, Inc., The Brokers Clearing House, LTD. Champion Agency, Inc. Cornerstone Ins. and Financial Services, Inc. Covenant Reliance Producers Creative Marketing Custom Benefit Plans DAI (Dworkin Associates, Inc.) Dallas Financial Wholesalers Davis Life Brokerage Disability Insurance Services Dunhill Marketing & Ins. Services, Inc. ECA Marketing, Inc. Emmett Insurance Group Fairlane Financial Corp. First American Insurance Underwriters Fitzsimmons Brokerage Agency General Agent Center Gorilla Insurance Marketing, Inc Highland Capital Brokerage Hutchens Brokerage Group, Inc. Independent Producers Group, LLC Insurance Resources Group J. L. Thomas & Co., Inc. LTC Partnership, LLC., The LTCI Partners, LLC NFS Marketing Ohlson Group, Inc., The Partners Advantage Ins. Services, LLC PDI Financial Group Petersen International Underwriters Resource Brokerage, LLC Revere Financial Senior Market Sales, Inc. Shaw American Financial Corp Tomorrow’s Financial Services Transamerica Worksite Marketing Underwriters Marketing Service Inc. Zenith Marketing Group lifeinsuranceselling.com