What is the definition of eApp? NWL® defines eApp as a better, faster, easier, secure, paperless process that allows you, the agent, to present a professional sale to your clients. You can spend more time working with your clients in meeting their needs and less time handling paper.

AND NOW YOU CAN WIN BIG WITH eAPPS!

Your NWL® eApps may be your winning ticket in the NWL® eCurrency for eApps Raffle offering chances to win BIG at the 2012 Sales Conference.

How Can You Cash in With ePoints?

• One point for each eApp plus
• One ePoint for every $1,000 of Issued-and-Paid Life Premium (Whole Life & Term) plus
• One ePoint for every $1,000 of Issued-and-Paid Life Target Premium plus
• One ePoint for every $10,000 of Issued-and-Paid Annuity Premium for eApps submitted on or after August 1, 2011 and issued-and-paid no later than December 31, 2011

For Example: A $50,000 Paid Annuity submitted using eApp = 6 ePoints

PLAN NOW ON QUALIFYING FOR THE 2012 MEDITERRANEAN CRUISE!

With eApps You Will Set Sail With the Chance to WIN BIG!

THERE WILL BE SEVERAL CATEGORIES AND PRIZES!

More eApps = Better Odds + Bigger Prizes

SAT-1307

For Agent Use Only – This document has not been approved under the advertising laws of your state for dissemination to individual purchasers. ePoints will be credited to the eCurrency for eApps Raffle at the 2012 sales conference per the requirements noted above. Life and annuity applications on the agent or the agent's immediate family do not qualify. Immediate family members are defined as spouse, child, parent, brother, sister, grandparent, grandchild, and in-laws in the same categories. Each agent must qualify for, be under active contract and be in good standing with the company through the 2012 sales conference dates, receive a formal invitation and be present to use ePoints and participate in the eCurrency for eApps Raffle. eCurrency does not represent true currency and are non-transferable.