BECOME SOMETHING MORE.

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BECOME

SOMETHING

MORE.

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BECOME A MEMBER OF THE

DRESSANDER|BHC TEAM

We are a growing and innovative financial

services company looking to add energetic

and talented employees to our team.

nWe are a top-10 financial marketing organization.

nWe have produced $1 billion in premium each year for the past four years.

nWe operate on a foundation of integrity — consistently doing the right

thing for both our advisors and employees.

nWe partner with over 3,000 independent producers and financial advisors

and represent more than 40 leading annuity and life insurance companies. Dressander|BHC is committed to understanding and meeting independent agents’ and financial advisors’ needs. We have a 30+ year history of providing innovative and effective solutions and services to increase their annuity and life insurance business. We provide access to the top contracts in the industry—then ignite their businesses by adding lead-generation tools, marketing programs and business building systems. We provide all of the tools and resources advisors need to establish and run successful businesses.

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WHAT IS AN FMO?

A financial marketing organization

(FMO) markets, sells and distributes

insurance products such as annuities

and life insurance. FMOs are a

middleman distribution system for

the insurance marketplace. The

insurance carrier creates, registers

and underwrites the insurance

product and the FMO distributes

and wholesales the products to

independent insurance producers

and financial advisors.

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It is not how much money you have at retirement, it is how much “income” you can receive for life from your retirement accounts.

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WHAT MAKES US DIFFERENT

FROM OTHER FMOs?

Our business depends on strong, mutually beneficial relationships with advisors and carriers. We seek to deeply understand the people we deal with, anticipate their needs, and aim to exceed their expectations.

nWe lead the industry in providing an extensive array of marketing

programs and systems to grow advisors’ businesses—from prospecting programs to selling solutions to business-building events—we provide advisors with solutions for foundational and continued success.

nWe host two off-site business-building and networking events each year for

our advisors—one event is held in the Chicagoland area and the other in a beautiful, warm-weather location during the winter season. Our Marketing Consultants can qualify to attend these events alongside their advisors.

nWe regularly thank and reward our top advisors by providing marketing

reimbursement dollars and a unique deferred compensation program to help them build their retirement savings.

STUDENT WORKBOOK

WEHRLY

PATRICK

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Dressander|BHC represents more than

40 annuity and life insurance companies

and can give advisors access to the top

contracts in the industry.

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UNLEASH YOUR TALENTS

Our employees receive significant training and education to perform their jobs effectively. We encourage and support them to continue developing their skills. We pay for our Marketing Consultants to obtain their life and health licenses, and as appropriate, obtain FINRA-securities licenses. We provide sales coaching from both internal and external experts. We have a highly competitive compensation plan, based on base salary and bonuses, as well as full-employee benefits including a 401(k) plan. Plus, there are numerous opportunities for employees to increase their annual income by:

nParticipating in DBHC contests throughout the year

nAchieving milestones on our escalating revenue grid

nEarning end-of-year bonuses

nQualifying to attend incentive trips hosted by carriers

We provide our Marketing Consultants with the tools and resources they need to be successful. At the foundation of their success is the access they have to our large advisor lead database and our multi-faceted lead generation system.

Specialty Divisions

DBHC Life Insurance Divisionis a full-capacity unit that assists with

long-term care solutions, estate planning and traditional life insurance needs. This division provides value to advisors by providing case design, supplemental income strategies, illustration assistance, and case management oversight.

DBHC Advisory Network is dedicated to working with broker-dealers and

registered representatives to meet the retirement needs of their clients. We are the leaders of digital wholesaling to registered reps and provide high-touch support, training and service through webinars, videos, DBHC University and online tools. The wholesalers and management team supporting this division are all FINRA-securities licensed.

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OUR HISTORY

TWO GREAT COMPANIES

TOGETHER — ONE

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Dressander and Associates

In 1977, Virgil Dressander founded Dressander and Associates, a life insurance FMO with the mission to “help agents turn their dreams into realities.” As the company grew and prospered, his sons, Mike and Cam, joined the business and continued to build the company’s reputation as an FMO based on the foundation of integrity and strong relationships. In the mid-1990s, the leadership trio added fixed annuity products to their business mix, anticipating the growing need for this product solution among the aging baby boomer population. Together, Virgil and his sons built the company into one of the largest FMOs in the country.

BHC Marketing

Founded in 1988, BHC Marketing was known in the industry for providing independent insurance agents with an abundance of value-added programs to get them in front of more qualified prospects and close more business. BHC was one of the first FMOs to offer brand-building tools such as customizable websites, newsletters and direct mail.

Dressander|BHC (DBHC)

Futurity First Financial Corporation (FFFC) purchased Dressander and

Associates and BHCMarketing in 2010. The two companies operated

side-by-side until July 2013,when they formally merged together into one

powerful FMO. DBHC is a leaderin the fixed annuity industry and provides

secure retirement solutions toclients nationwide.

Futurity First Financial Corporation (FFFC)

FFFC is a rapidly growing independent distribution company focusing on the sale of annuities, life insurance and other financial products. They are a fast-paced office, backed by a private equity firm, Aquiline Capital Partners.

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OUR OFFICE LOCATIONS

OFFER SOMETHING

FOR EVERYONE

Naperville, Illinois

Naperville is a thriving suburb of Chicago. In recent years, it’s been ranked

as the second-best place to live in the United States by Money magazine,

first on the list of best cities for early retirement by Kiplinger and one of the

nation’s safest cities by USAToday. Dressander|BHC recently moved to a

completely renovated 5,000 square foot office space in Naperville.

The Woodlands, Texas

The Woodlands is located 28 miles north of Houston and is a suburban development with many large corporate campuses. The Woodlands offers many entertainment venues including over 150 restaurants, a publicly accessible waterway and numerous music venues. Each of the "villages" in The Woodlands has its own shopping center with a core grocery store and shops, banks, gas, and restaurants.

Hartford, Connecticut

Hartford is nicknamed the "Insurance Capital of the World" and is one of the oldest cities in the United States. Hartford is home to the nation's oldest public art museum, the Wadsworth Atheneum; the oldest public park,

Bushnell Park; the oldest continuously published newspaper, The Hartford

Courant. It is also a center for medical care, research, and education. Several

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OUR TEAM KNOWS

HOW TO HAVE FUN!

Being a part of the high-energy,

fast-paced team of DBHC is not

all work — we make time for fun.

Employees regularly engage in

different outside events and

activities planned and sponsored

by the company.

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JOIN US!

Contact Jeff Grockowski,

National Recruiting Director

190 Trumbull Street, Suite 203

Hartford, CT 06103

Office: 860-724-4508

Cell: 954-629-2888

Fax: 860-403-0362

meetdbhc.com

jeffgrockowski@dbhc.com

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To learn more about Dressander|BHC

and becoming part of our team,

check us out at meetdbhc.com.

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