Benefit Contract

First Heartland Financial Group has partnered with Lincoln Financial Group to provide you generous benefit options and the independence to decide what you need. We empower you to build a stronger, more productive practice - ultimately allowing you to provide a more comprehensive and satisfying experience to your clients!

Choose from the following array of options to determine the package that best suits your need!

• + Basic & Supplemental Group Life & AD&D
• + Spouse & Child Life Insurance
• + Long Term Disability
• + Medical and Prescription Drug Coverage
• + Consumer Driven Health Plan/HSA
• + Dental Coverage
• + Vision Insurance
• + Health Flexible Spending Account
• + Employee Assistance Program
• + Health Advocate Services
• + Agents' Savings & Profit Sharing Plan 401(k)
• + Money Purchase Retirement Plan (qualified plan)
• + Top Earners Plan (non-qualified plan)
• + Lincoln Agents' Deferred Compensation Plan*
• + Discounted E&O Plan*

First Heartland Financial Group offers access to a full spectrum of opportunities and platforms for financial services professionals to build their business.

*Available to both Affiliated and Independent Producers

For financial professional use only. Not for use with the public.

Plus - Contributions pre-tax for Supplemental Life, Vision, Dental and Health FSA.

Taxes are deferred on contributions to the Deferred Compensation Plan.

*Please refer to specific slide to determine eligible earnings.

**Assumes Agent & Family Option is chosen under CDHP with $1,000 annual company seed to HSA.

***Based on Net PAP Requirements, not earnings. Example assumes annual PAP in excess of $540,000.

Lincoln Financial Group has a history of financial strength and consistently receives enviable ratings from the industry's most recognized independent ratings agencies. Detailed ratings information is available on www.LincolnFinancialNetwork.com. Estimate of Annual Company Contributions