Alliances

Founded in 1987, Partners Financial is a client-focused community of select, independent life insurance members dedicated to exceptionally high standards and premiere client service.  Partners Financial links Core Carriers and independent financial advisors through its national network, creating a connection that benefits everyone involved - our clients, our firm and the carriers.  Its culture encourages idea-sharing, collaboration, innovation and leverage.

• Partners Financial participates in each Core Carrier's product development process, as well as Advisory Councils composed exclusively of Partners Financial members.
• Partners Financial enjoys the commitment of dedicated underwriting and service teams from its Core Carriers for negotiating pricing and resources for clients.
• The organization provides best-of-breed tools to help members increase their staff efficiency to support deeper client relationships and more efficient delivery of solutions.
• Partners Financial shares the ideas and innovation of its members freely through its study groups.

We gain access to a wider spectrum of products, services and support, all resulting in the wide-ranging choices that our clients deserve.  We have the added advantage of infrastructure and intellectual capital to help expand our competitive position and enhance our ability to better serve our clients.  Most important, this institutional advantage does not diminish the advantages of our entrepreneurial independence.

Our relationship with NFP provides a collective strength of intellectual capital, resources, leverage and wider spectrum of products and services typically reserved for the largest financial services institutions.National Financial Partners Corp. is a national network of 500 owned or affiliated independent financial advisors specializing in life insurance and wealth transfer, corporate and executive benefits, and financial planning and investment advisory.A publicly traded company since September 2003 (NYSE: NFP), NFP has built the platform necessary to improve its firms' competitive position and enhance their ability to better serve their clients, including all these advantages:

• A broad array of financial institution relationships
• A large pool of financial and intellectual capital
• Nationwide collaboration opportunities and strategic alliances
• Leading technology solutions
• Compliance support
• Succession solutions for the perpetuity of principals' firms and their client relationships

NFPBP has over 1500 benefits professionals representing more than 30,000 corporate clients of all sizes in all industries nationwide.  Our partnership with NFPBP respects our independence while providing us with resources on a national scale.  As part of NFPBP:

• We exchange leading edge ideas and strategies, enabling us to provide clients with the latest benefits and retirement solutions.
• We are able to offer access to many benefit offerings in health and wellness, retirement services, disability, long term care, voluntary benefits, and executive benefits from the leading carriers in the market.
• We have access to proprietary decision support tools and administrative support services, including customized benchmark reports, medical claim analytics, fiduciary guidance, employee benefits surveys, employee communications, HR consulting, compliance and regulatory support, wellness programs, and benefits administration.

By carefully assembling a core group of highly regarded life insurance companies, NFPISI matches the planning needs of our clients with the right mix of diverse products and manufacturing strengths.One of the advantages of this Core Carrier relationship is the creation of dedicated resource unit.  This unit provides us direct access to the carrier’s top management and a voice in the development of products.In addition:

• The NFPISI Underwriting Advocate team helps us negotiate favorable underwriting offers. Each client is evaluated based upon unique medical situations rather than how they fit into a statistical model.
• NFPSI’s proprietary Life Insurance Design Questionnaire provides clarity to life insurance product decisions.
• The Wealth Design Center's specialized knowledge provides comprehensive and tactical planning to our clients.

NFPSI supports independent financial professionals in an environment free of the pressures of having to offer proprietary products.  Giving us the freedom to choose investment vehicles that can help meet our clients’ unique financial goals.By operating beside NFP Securities, Inc., we obtain quick access to a wide range of high quality products and cutting edge technology that helps us provide our clients with customized solutions.Here are some of the investment solutions that we can bring to you through our association with NFPSI.

• Advisory Services
• Alternative Investments
• Banking Services
• Bonds
• Corporate Benefits
• Education Savings Plans
• Equities
• Fixed Products
• Managed Accounts
• Mutual Funds
• Research
• Retirement Services
• Trust Services
• Variable Annuities
• Variable Life

*Alternative Investments are often speculative, lack liquidity, lack diversification, are not subject to the same regulatory requirements as securities and mutual funds, may involve complex tax structures and delays in distributing important tax information, and may involve substantial fees. These products often execute trades on non-U.S. exchanges. Investing in foreign markets may entail risks that differ from those associated with investments in U.S. markets. These investments may not be appropriate for all investors.

**Mutual Funds are sold by prospectus only. For more information including expenses and charges, please read the prospectuses. Please carefully consider the investment objectives, risks, charges and expenses before investing or sending money as these factors will affect returns. The prospectus contains this and other information about the investment.

Past performance does not guarantee future results. Investment return will fluctuate so that an investor’s shares when redeemed may be worth more or less than the original cost. Current performance may be lower or higher than the performance data. For performance data current to the most recent month end contact the fund company or your Financial Representative.

***Variable Annuities are sold by prospectus only. The prospectus contains the investment objectives, risks, fees, charges, expenses and other information regarding the contract and underlying funds, which should be read and considered carefully before investing. Please contact your Financial Representative or the issuing Insurance Company to request a prospectus. Annuities are long-term investment vehicles designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawal may be subject to withdrawal charges. Partial withdrawals may also reduce benefits available under the contract as well as the amount available upon a full surrender.

****Variable Life is sold by prospectus only. The prospectus describes the investment objectives, risk factors, expenses, fees, and surrender charges that may apply. Clients should read the prospectus carefully before purchasing a variable product. Additionally, each sub-account contained within the variable product has its own separate prospectus that provides details on the investment style, focus, risks, and expenses associated with the sub-account. Clients should read these prospectuses carefully before directing money invested in the variable product to the underlying sub-accounts. The prospectuses for the underlying investment options can be obtained from your investment professional or by writing to the issuing company.

Variable life insurance products, which are subject to market risk including possible loss of principal, allow the contract holder to choose an appropriate amount of life insurance protection that has an additional cost associated with it. Care should be taken to ensure these strategies and products are suitable for your long-term life insurance needs. You should weigh your objectives, time horizon and risk tolerance as well as any associated costs before investing. Also, be aware that market volatility can lead to the possibility of the need for additional premium in your policy. Variable life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

The sub-accounts in variable insurance products fluctuate with market conditions and when surrendered the principal may be worth more or less than the original amount invested.

All guarantees are subject to the claims-paying ability of the issuing insurance company. Guarantees and do not apply to the investment performance of any variable accounts, which are subject to market risk.