What is ePIN?
ePIN is a unique strategic alliance of independent organizations, working together towards the common goal of offering ePLANNING Representatives the greatest advantage possible in the insurance marketplace. The underlying common bond of the ePIN network is ePLANNING Securities and its highly trained, well experienced representatives. We have developed services that can be used by the inch or by the mile, with any variation in between, to offer representatives the opportunity to choose from a menu of services, products and marketing concepts that will be the right fit for them. While many firms claim to offer these opportunities, they do not support them to level that have been developed by this network. ePIN offers representatives a rich environment which affords its members classroom education, direct contact with marketing specialists, comprehensive web support, and field support from seasoned sales personnel. The representative can choose the support that best fits their practice which products and services are right for their clientele. Our network offers all this while paying out some of the highest commission levels available in the industry and your production qualifies for the stock bonus plan available to ePLANNING representatives.

Why Create ePIN?
The purpose of ePIN is to give the representative the selling edge they need to win in the competitive marketplace. It is very difficult for representatives to know where and how to find the best products to fit a planning situation. The carriers are constantly changing portfolios, and new products appear almost daily, thereby leaving representatives lost in a sea of choices. The support a representative receives through ePIN will not only help them to choose the best product, but also they will know why it is the best product for their situation. They will also know what the competition is offering and how best to beat it! Our knowledgeable and seasoned support staff has many years of field and back office experience. We even offer the ability to have a representative partner with a seasoned veteran to present new or complex planning ideas to their clients in the field. The answer of why we the created ePIN network is simple: we want our representatives to be the very best that they can be, and offer their clients the best solutions for their planning needs.

Who Are The ePIN Partners?
The network consists of a network of partners who have independently excelled in their niche marketing areas. All of these partners have been screened by the ePLANNING staff, and taken the time to demonstrate their commitment to the success of each and every ePLANNING representative. As an ePIN representative, you have the ability to work directly with these marketing firms and have access to a service person that will help you resolve planning, underwriting, servicing and compensation issues. The network is supported by firms on both the East and West Coast so you will have direct contact support eleven hours a day and web support 24x7.

ePIN Partners:


First Choice Brokerage
www.rdnisbet.com
Phone: 877-99-FIRST
Contact: Ben Rouholiman


CFC Insurance
www.cfcinsurance.com
Phone: 800-999-6122
Contact: Steve Horvath


Innovative Concepts
www.invconcepts.com
Phone: 412-292-1244
Contact: Kenneth J. Bojarski, CLU


How to Utilize ePIN
The first step to utilizing the network is to get signed-up. This can be accomplished by calling Terry Clemons at ePLANNING or by contacting the Nisbet organization and asking for Ben. Registration is simple and easy. The next step is licensing with specific carriers, and this can be accomplished on-line, once you have registered with the network. We will be providing a step-by-step guide to registration and licensing on a new ePIN dedicated website which should be ready in the fourth quarter of 2006. This new website will also provide you with a how-to guide for utilizing network resources.

What carriers are involved with ePIN?
The following is a partial list of current carriers:

Life Carriers:
Allianz, American General, American National, AXA, Banner Life, Empire General, First Colony, F&G, ING, Jefferson Pilot, John Hancock, Lincoln Benefit, Lincoln National; Mass Mutual, Met Life, New York Life, Pacific Life, Prudential, Sun Life, Travelers, West Coast Life

Annuity Carriers:
Allianz, American General, American Equity, American National, First Colony, F&G, Jefferson Pilot, Lincoln Benefit, MONY, North American, Presidential Life, Sun Life (Keyport), USA & United of Omaha

LTC & DI:
Allianz, GE Financial, John Hancock, Met Life, Principal, Prudential & Union Central

What Products Does ePIN Support?

The following is a partial list of current products and supported marketing concepts;
this is constantly growing and being updated.

Life Insurance:
Universal Life
Term Life
Variable Life
Equity Index Life
Joint & Survivor
Perm Term Comparisons
Premium Finance Life Insurance (proprietary products)
ESOP
Business Continuation
Estate Planning
Generational Transfer Techniques
Non Qualified Benefits

Annuity Products:
Fixed Products
Variable Products
Equity Index

Health Products:
Long Term Care
Critical Illness
Facility Care

Pension Products:
401k
419
403b
Profit Sharing

We look forward to meeting with you and helping you to work successfully with your clients.