e believe that the individual producer has been the key element to Diversified's continued growth and success. The broker population that works with Diversified is quite diverse. However, our customer base falls into three major categories:

Independent Producers:

These individuals have no primary carrier. Instead, they survey the market to obtain the best product solution for their clients. Diversified is their multi-carrier resource for simplifying a complicated process.

Captive/Affiliated Agents:

Although these producers have a carrier they consider their primary source, frequently their clients request products not manufactured by that carrier or require underwriting the primary carrier won't deliver. In addition, larger cases often require carrier diversification. Diversified offers these brokers a wide range of alternate markets.

Agents Involved in Other Financial Services:

Many life insurance sales are consummated by other financial service professionals, such as property and casualty agents, stock brokers, financial planners, CPA's, etc. We find that Diversified's personalized marketing/administrative services are especially critical to this group in closing life insurance sales and more fully serving their client's needs.

DIVERSIFIED'S ANSWER
      "The Preferred Producer Program"

For the producer willing to make a production commitment, Diversified has put together a portfolio of Nationally recognized companies offering a wide assortment of competitive products and Substantially Enhanced Commissions. This extensive and varied portfolio allows the Preferred Producer the freedom to analyze their Client's situation with regard to the appropriateness of product; without bias. Diversified will constantly monitor and update these companies as opportunities arise.

Preferred Producers also have access to Diversified's entire brokerage portfolio whether Standard or Impaired Risk. Combined production with any of Diversified's companies will satisfy the Preferred Producer Contract.

In addition to multiple Company Representation and High commission
contracts a Preferred Producer receives the following benefits:

• Your Files are Color Coded for Priority Handling

• In-House Impaired Risk Underwriters at your disposal

• A coordinator/expeditor to handle any inquiry

• Estate Planning/Advanced Sales Division

• Products, supplies and licensing for all states.

• Total Case Processing From Initial Underwriting to Policy Delivery

• One Source for all Case Inquiries Via Toll Free Lines

• Online real-time status reports available on all your pending cases

• Conventions in Exotic Locations

• Ongoing marketing and educational support