• 79 year old female with a history of insulin dependent diabetes (poor control), TIA and cardiac arrhythmia.
  
• Insurance need of $50,000,000 to $100,000,000.

• Medical team member meeting with primary advisor to discuss unique strategies for representing client.
  
• Medical team member authorized to meet personally with client to assess medical history and current protocol for managing diabetes.
  
• Following personal meeting with client the creation of diabetic management plan by medical team member.
  
• Approval of diabetic management plan by client's physician.
  
• Monitoring progress of the plan by medical team member and the client's physician.
  
• Complete diabetic control in less than 120 days.
  
• Client examined for life insurance.
  
• Blood and urine studies normal (i.e. normal FBS and A1-C).
• Client issued greater than $50,000,000 at standard rates.

Agent compensation: $3,000,000
Additional Agent Compensation: Primary advisor refers additional client to agent

• 75 year old male with a history of pacemaker (sick sinus syndrome) and markedly elevated PSA.
  
• Insurance need of $50,000,000.

• Medical team member meeting with primary advisors to discuss unique strategies for representing client.
  
• Medical team member authorized to meet personally with client to assess medical history.
  
• Following personal meeting with client the creation of an assessment plan by medical team member.
  
• Approval of assessment plan by client's physician.
  
• Client undergoes prostate biopsy.
  
• Prostate biopsy negative for prostate cancer.
  
• Due to marked elevation of PSA, a second biopsy is recommended.
  
• Client elects not to have second biopsy.
• Client issued $50,000,000 at standard rates.

Agent compensation: $2,000,000
Additional Agent Compensation: Primary advisor recommends additional coverage