Working in the - AccessAllstate

Lincoln Benefit Life • Strength | Sales | SuccessFALL 2006he EdgeRandy JohnsonWorking in theWildTrueTermAdvantagesTreasury-LinkedAnnuityAllstate’s Got ItExit Strategies Stage Right

Make It Happen!To me, life is what we make it. I prefer to drink from a glass that is atleast half full, but never half empty. It’s about making the most out ofevery hour of every day. It’s about choices, and I choose to take thelet’s make it happen approach in life.At Lincoln Benefit Life (LBL), we workhard to make it happen so that ourproducers have the best possible productsand services to offer their customers. Whenwe deliver on our commitments … then youget to deliver on your commitments. And inthe end, everybody wins.In this edition of The Edge, we featureRandy Johnson, one of our top – and newest– life producers who makes it happen for hiscustomers. Randy built his business on a“promises made, promises kept” philosophy.Even more than a philosophy, though, it’ssimply who Randy is and how he and hisstaff conduct themselves. Today, his businesscomes completely from referrals, which is atestament to how far a man’s word can takehim. LBL is proud to be a part of what Randycalls his “centers of influence” and the teamof people helping him deliver on hispromises. Read more about Randy and hisstory on page 6.Spend any amount of time with Randyand you’ll quickly see that his center ofinfluence is vast and continually growing.John Brown is one member of Randy’snetwork and joins us in this issue for a Q&Aon exit planning strategies. What’s uniqueabout Brown is that his company, BusinessEnterprise Institute, is devoted solely to exitplanning and educating insurance advisorsin this specialized area. See page 14 forJohn’s answers to your most pressingquestions on exit and succession planning.Our Own Kind of InfluenceLBL is creating its own special influence,if you will, with core products like LegacySecure UL ® and the newly patentedAllstate ® Treasury-Linked Annuity (T-Link).We feature the complete Legacy Secure UL ®story on Page 12, which explores premiumcomparisons, a solid cash valueaccumulation and flexibility for yourcustomers today and in the future.Another product making it happen forLBL is T-Link, which is having a record yearin this challenging interest rate environment.Its patent tells you it’s a one-of-a-kindproduct. Its strong performance this yearreminds you that LBL has annuity productsfor all seasons. Read more about the seasonfor T-Link on Page 16.On Page 10, Hugh Smart reminds us allthat term insurance – namely TrueTerm SM –can play a vital role in business successionplanning. It offers affordable coverage and,when the Return of Premium Rider is added(at an additional cost), it provides the abilityto recover premiums at the end of the levelpremium period. Try it in your next businesssuccession plan.At LBL, we look forward to helping youmake it happen for yourself and yourcustomers each and every day. After all, it’sabout choices and making good decisions,and we want to give you plenty of reasonsto choose us.Sincerely,Lawrence W. DahlPresidentLincoln Benefit LifeP.S. Don’t miss the opportunity to tellus what you think about – and would liketo read about – in future issues of The Edgeby completing the enclosed survey. Thisis a magazine for you, and this is youropportunity to make it happen.the edge

6 the edge

Legacy Secure UL ® …The Complete StoryAre your customers interested in spreadsheets … or results?Spreadsheets andby Bob Jurgensmeierquote enginesare great tools,but they just can’t tellyou the whole storyabout universal life products or the companiesthat sell them. They can’t tell you about theflexibility that customers need, how theirmoney can work for them over the years,or how the premiums truly compare.If you’re searching for real value inuniversal life policies, take a good lookat Legacy Secure Universal Life fromLincoln Benefit Life. It’s an excellent wayfor your customers to benefit from:• competitive premiums(and age last birthday pricing)• flexibility to meet changing needs, and• strong cash value accumulationHow We ComparePremium comparison is but one part of thestory. So make sure when you go down thispath, you’re giving the details. For instance, areyou using age last birthday when appropriate?Are you using a real-world underwriting classfor that 65-year-old male? Are you consideringthe difference cash value can make and theflexibility it can give your customers downthe road? Take a look at these real-worldcomparisons (see charts on page 13).Competitive RatesLegacy Secure is simply a solid universallife product – built for competitiveness atall ages, premium scenarios and premiumclasses. Factor in age last birthday pricing,where premiums aren’t affected until thepolicyholder’s next actual birthday (insteadof half birthday), and it makes an alreadycompetitive product that much moreattractive to your customers. Plus,12 the edgethe savings of age last birthday premiumsreally add up over the years.The Cash Value DifferenceLegacy Secure’s strong cash value potentialgives your customers an added layer offlexibility – on top of its guaranteed deathbenefit. Compare for yourself:• From a premium perspective, Legacy Securestands firmly in the competitive mix.• When looking at cash value, Legacy Secureclearly stands out from the competition.The bottom line is that the Legacy Securecash value difference gives your customersoptions… if and when options are needed!So, if your customers’ needs change down theroad, it’s nice to know that Legacy Secure hasthe flexibility to change with them.Just how Flexible is It?Saying the sky is the limit might be a littletoo bold … but Legacy Secure UL does provideconsiderable flexibility through a wide range ofoptions. Plus, it’s flexibility that your customerscan put to work for them today, a year fromnow, or down the road as their needs change.So, when you offer your customers LegacySecure UL, you’ll be giving them options like:• Choosing - and changing - their level ofguarantee for periods up to and includingtheir lifetime• Selecting their face amount, with theoption to increase or decrease it after thefirst policy year• Customizing premium payment schedulesthat best suit their needs – like monthly,quarterly, semiannually, annually, dump-ins,as well as amounts that are greater than orless than the scheduled payment• Utilizing the catch-up provision at any timeduring the life of the policy to either lengthenthe guarantee period or prevent the policyfrom lapsing if they fell behind in premiumpayments• Simply changing their minds ... after all, withLegacy Secure, that is their prerogativeNobody knows what the future will bring,which is exactly why Legacy Secure UL givesyour customers so many options.Completing the PackageNot only can you offer your customers acompetitive and flexible universal life productin Legacy Secure but, with Lincoln Benefit Life,there is definitely more to life.• Sherlock Underwriting Program– yourcustomers can qualify for a betterunderwriting rate using this program, as longas they are compliant with their physician’sadvice, manage their health situations andfollow a regular exercise program 1• Premier Plus Bonus – in 2006, you canearn up to 25% more every quarter on yourqualified life sales using the Premier Plusbonus program 2• Conference of Leaders – the top 150qualifiers in 2006 will embark on a SilverseaCruise setting sail from Greece in April 2007Get Results for Your CustomersLook beyond the spreadsheet and take acloser look at LBL’s Legacy Secure UL. Foreven more options, check out our other Legacyproducts – Legacy Secure Survivorship Life andLegacy Choice Universal Life. Contact yoursales team today!Bob Jurgensmeier, FSA, MAAA, is Senior VicePresident and Actuary at LBL. He has been withthe company five years and is responsible foruniversal life product development.

Assumptions–$1 Million Face Amount • Male • Age 55 •Standard Nonsmoker • Lifetime Guarantee PremiumsCompanyProductAnnualPremiumCash ValueYear 10 Year 20 Age 90 Age 100Lincoln Benefit Life – (age 55) Legacy Secure UL 15,849 91,955 277,470 374,048 0Lincoln Benefit Life – (age 54) Legacy Secure UL 14,943 90,449 271,168 377,245 0Jefferson Pilot JPF Legend XG 15,555 92,468 183,134 0 0John Hancock Protection UL G (2006) Reprice 15,830 53,680 62,534 0 0American General ContinUL Extend 15,230 57,202 140,050 0 0Genworth Financial Lifetime Flex Plus 15,354 86,536 215,132 257,483 0Transamerica (age 55) TransACE LP 15,944 61,772 125,628 0 0Transamerica (age 54) TransACE LP 15,133 59,428 132,614 0 0SunLife Financial Sun Universal Protector LP3 15,247 52,521 177,339 155,789 0MetLife Guarantee Advantage UL 15,259 48,594 39,458 0 0ING Reliastar/Security Life of Denver ING Guaranteed Death Benefit UL 15,489 74,677 186,139 22,548 0Lincoln National Life Lincoln UL LPR -7 16,870 36,626 198,277 103,925 0Assumptions–$1 Million Face Amount • Male • Age 65 •Standard Nonsmoker • Lifetime Guarantee PremiumsCompanyProductAnnualPremiumCash ValueYear 10 Year 20 Age 90 Age 100Lincoln Benefit Life – (age 65) Legacy Secure UL 26,509 143,949 332,450 302,905 0Lincoln Benefit Life – (age 64) Legacy Secure UL 25,111 140,764 350,274 340,546 0Jefferson Pilot JPF Legend XG 26,539 129,205 102,525 0 0John Hancock Protection UL G (2006) Reprice 26,885 10,639 0 0 0American General ContinUL Extend 26,334 84,485 152,953 0 0Genworth Financial Lifetime Flex Plus 26,113 108,509 181,632 63,138 0Transamerica (age 65) TransACE LP 26,483 94,249 135,217 0 0Transamerica (age 64) TransACE LP 25,230 91,823 153,189 0 0SunLife Financial Sun Universal Protector LP3 26,038 51,788 14,491 0 0MetLife Guarantee Advantage UL 26,160 78,457 0 0 0Lincoln National Lincoln UL LPR -7 27,930 42,831 69,286 0 0ING Reliastar/Security Life of Denver ING Guaranteed Death Benefit UL 27,485 139,600 251,580 26,458 0NOT FOR PUBLIC DISSEMINATION. LINCOLN BENEFIT LIFE POLICY PROHIBITS AGENTS OR EMPLOYEES FROM SHOWING OR MAKING THE DOCUMENTAVAILABLE TO CUSTOMERS OR POTENTIAL CUSTOMERS. Chart and competitor examples are for illustrative purpose only. All competitive information isbelieved current as of September 2006 from sources deemed reliable. However, its accuracy and completeness cannot be guaranteed. Data is subject tochange at any time. Competitor products may have features, costs, provisions and benefits that differ from these policies and by state. Changing the variablefeatures (age, state underwriting class, benefit, etc) may cause a change in the competitive results.1 For complete details on the Sherlock Underwriting Program, including additional limitations and requirements, contact the home office.2 For complete details on the Premier Plus Bonus Program, including eligibility and additional requirements, contact the home office.Guarantees based on the claims-paying ability of Lincoln Benefit Life Company. Policy fees and administrative expense charges apply.Legacy Secure Universal Life Insurance Policy (series number UL0400), Legacy Choice Universal Life Insurance Policy (series number UL0420), and Legacy Secure SurvivorshipLife Insurance Policy (series number UL0520) are issued by Lincoln Benefit Life Company, Home Office: Lincoln, NE, a wholly owned subsidiary of Allstate Life Insurance Company,Home Office: Northbrook, IL.the edge 13

Going OutIn StyleJohn Brown On Exit Strategiesby Jack ApplemanPhoto byDiane HuntressJohn Brown helps business owners out the door– when they choose to leave. During his threedecades as an estate and business planningattorney, Brown saw how many owners were unprepared forthat ultimate departure from their companies. So in 2003, hedecided to devote his Colorado-based firm, Business EnterpriseInstitute (BEI), exclusively to exit planning.His book, The Completely Revised Howto Run Your Business So You Can LeaveIt in Style, details BEI’s seven-step exitplanning process.Today Brown is building a network ofinsurance professionals, attorneys, CPAsand other advisors to offer exit planning tobusiness owners nationwide. He believesinsurance advisors can drive the exitplanning process – and take their ownbusinesses to a new level. Brown shareshis thoughts with The Edge’s readers.How would you define exit planning?Exit planning is the deliberate, adaptableand customized process that a businessowner uses to leave the company on his orher own terms and timetable.Why is exit planning so critical forbusiness owners?There are more than nine millionestablished business owners in the U.S., halfof whom are 50 years old or older. A recentsurvey of firms with $5 million to $150 millionin revenues revealed that two out of threeowners plan to leave their firms within 101 Source: 2005 survey conducted by Pricewaterhouse Coopers.14 the edgeyears. But more than 75% of them haven’tdone much planning for what probably willbe the most significant financial event oftheir lives. Think of the potential obstacles:huge tax bills after the sale of the business,potential chaos if the unexpected happensto the owner or a key employee, and feudingfamily members, just to name a few. 1How does BEI help business owners withexit planning?BEI helps business owners exit theircompanies in style by training their advisorsin the exit planning process. The exit planningprocess is facilitated through our membersnationwide – insurance professionals, suchas Randy Johnson (featured on The Edge’scover), attorneys, accountants and otheradvisors, all licensed in their states. Any ofthese individuals can join BEI and receivethe education, products, and marketingsupport needed to approach and engagebusiness owners in the exit planning process.We teach them our Seven Step Exit PlanningProcess design process of establishingowner objectives and business value, buildingcash flow, selling to a third party for topdollar, transferring to management or familymembers, developing a business contingencyplan and preserving family wealth.After being trained in exit planning, anadvisor builds a team of specialists in theother disciplines. So an insurance professionalwho joins BEI would then recruit attorneys,CPAs and other specialists.What role can insurance brokers play inexit planning?Of all the professionals a business ownerdeals with, insurance advisors are in thebest position to drive the exit planningprocess – for several reasons. First, insuranceadvisors usually have superior interpersonalskills essential to developing a long-termrelationship with owners. Second, businessowners often feel more comfortable talkingto their insurance advisors – who typicallydon’t charge by the hour – than with othertrusted advisors whose meter keeps runningduring every conversation. Third, life,disability and long-term care insuranceare primary tools used to implementthe planning recommendations. Fourth,insurance professionals are more comfortable

and skilled at working in a multi-disciplinary process, whichis required in exit planning.Which insurance products are typically used in exitplanning?Key-person insurance, buy-sell agreements, deferredcompensation and other forms of life insurance.How is life insurance typically used in exit planning?It’s used as key-person insurance, to fund buy-sellagreements, and in deferred compensation plans. Keypersonis often critical to the exit planning strategy sinceit’s based on the money that would be required to replacesomeone considered essential to the business. If thatindividual dies without key-person coverage, the ownermay be forced to delay his or her exit from the business.That can ruin years of planning in a heartbeat.What kind of opportunity does exit planning offerinsurance professionals?The practice of exit planning can transform aninsurance advisor’s career. By taking the lead inthis process, an insurance professional can shift thefundamental relationships with clients. He or she can movebeyond just supplying a product and offering some adviceto becoming an essential part of the owner’s lifetimeplanning. This can cultivate a long-term relationship thatcan pay off in many ways.Plus, now is the best time to become involved in exitplanning. Think of the millions of baby boomers whoown businesses and are beginning to age and the lack ofadvisors who understand exit planning. We’re looking at amassive opportunity.How does BEI train insurance advisors in exitplanning?Once they join the BEI network, advisors participatein a series of webinars and our intensive two-day bootcamp, which explains how to approach and engage thebusiness owner with exit planning, market their exitplanning process, and create and manage an exitplanning advisor team and the Seven Step design process.Ultimately that insurance professional will be able toposition himself or herself as THE resource for businessowners. Follow-up training continues for the next12 months, which includes teaching advisors’ assistantsto conduct mailings and other marketing activities.For more information, contact John Brown atjbrown@exitplanningforadvisors.com or 888-206-3009.Jack E. Appleman, CBC, is a seasoned insurancecommunication professional with 20 years’ experienceas a PR specialist, corporate writing instructor andcollege professor.the edge 15

The Missing Link inRetirement Portfoliosby Elizabeth CranstonAllstate’sTreasury-Linked Annuity16 the edge

Generally speaking, with securitycomes complacence and with opportunitycomes risk. In planning forretirement, customers generally seek safetyin their investments; however, that doesn’thave to mean that opportunity will pass themby. They can have the best of both worlds– safety and opportunity – in the Allstate ®Treasury-Linked Annuity (T-Link).This recently patented product givesyou a unique edge in selling annuities. First,with the patent in place, no other insurancecompany can create a product that offersT-Link’s unique method to establish a fixedannuity crediting rate. Second, becauseT-Link may keep pace with interest rates,money saved is money that earns, and thatmay help customers keep up with the everincreasingcost of living.The benefit of having safety with higherinterest rate potential also helped to spurT-Link product sales, as more customersdiscovered it over the past year. “As interestrates have risen, so have sales. Throughthe end of the second quarter of 2006,product sales were nearly eight timesgreater compared to the first six monthsof 2005,” 1 says Sarah Donahue, AssistantVice President, Annuity Products, AllstateFinancial. “It’s clear that producers whounderstand this product and its value mayhelp customers capture the upside potentialthat rising interest rates provide.”their own subaccounts and have their ownguaranteed interest rates set for five years.During those five years, the customer willnot earn less than the minimum guaranteedbase interest rate; however, he may earn moredepending on the performance of the 5-yearU.S. CMT Rate. On the one-year anniversary ofa purchase payment, if the 5-year CMT Rate ishigher than it was on the date of the deposit,the difference will be added to the guaranteedinterest rate for the next year. If it is lower, thecustomer will simply earn the guaranteed5-year rate. At the end of the 5-year period,the guaranteed interest rate is reset basedon market conditions at that time. Also, afterfive years the customer has a 45-day windowto withdraw all or some of the contractvalue, without incurring company imposedsurrender charges. 3, 4 Surrender charges expireafter 10 years for each subaccount.T-Link vs. Other Fixed AnnuitiesAs you can see, the potential for growthcould be appealing to anyone interested intrying to maximize retirement savings.Over the long term, T-Link may performbetter than a different fixed annuity with ahigher interest rate. How? Just consider theOther T-LinkFeatures• No up-front loads,expense charges,or annual fees• Waivers, includingwaiver of withdrawalcharges for the inabilityto perform two or moreactivities of daily living 4, 6• High premium incentivesfor contract values$100,000 or more• 10% free withdrawals 7T-Link ExplainedSo how exactly does this product work,and how can a customer get his retirementsavings tied into its growth potential? T-Linkis a flexible premium deferred annuitythat provides safety with greater growthpotential. When a customer purchases acontract, he or she is guaranteed a baseinterest rate for five years. 2 He or she also hasthe opportunity to add minimum purchasepayments of $100 at any time. Interest ratesfor new purchase payments are based ontotal contract value at the time of the newpurchase payments. These additions createThis example is for illustrative purposes only and not intended to represent the actual performance of T-Link.Rates and returns are hypothetical. Real rates are subject to change.Example assumes a 100% participation rate.1 This statement is based on submitted new business sales figures for T-Link. Actual increase was 786%.2 Guarantees are based on the claims paying ability of Lincoln Benefit Life Company.3 Loss of principal due to surrender charges ranging from 0% to 9% in the first 10 years may occur if the annuity is surrendered in the early years since the purchase payment was made.4 Distributions taken prior to annuitization are generally considered to come from the gain in the contract first. If the contract is tax qualified, generally all withdrawals are treated asdistributions of gain. Withdrawals of gain are taxed as ordinary income and, if taken prior to age 59 ½, may be subject to an additional 10% federal tax penalty.the edge 17

fluctuations in interest rates. From 1962 to 2006,for example, the daily average for the U.S. CMTRate was 6.91%. This rate has been fluctuatingbetween 4% and 5% for most of 2006. If historyrepeats itself and rates trend upwards, it may payto have a fixed annuity contract with a rate tied tothe 5-year U.S. CMT Rate. 5In the following hypothetical example, Joepurchases an Allstate Treasury-Linked Annuitycontract for $100,000. He receives a 5-yearguaranteed interest rate of 4% at the beginningof his contract. In this example, Joe would receivea greater amount of interest in a T-Link contractwith a 4% 5-year guarantee rate than he wouldwith a 4.5% fixed investment because of theincreases in the 5-year CMT Rate, shown in thechart below.This example shows a $2,738 T-Link advantage($127,356 - $124,618 = $2,738) and shows thatwhat may initially appear bigger may not alwaysbe better for the customer. Increasing 5-year U.S.CMT Rates may make a lower guaranteed rate onthe T-Link perform significantly better than ahigher fixed rate. Of course, if the 5-year U.S.CMT Rate declined over the same 5-yearperiod, Joe would have received theguaranteed rate of 4%, which wouldresult in less interest than with the4.5% fixed investment.Best of Both WorldsAs with all investments though, there is noguarantee that it will perform better than otherinvestments, but at least T-Link can guaranteethat the potential to do better is there. And it offersthe best of both worlds – downside protection andupside potential. 2Elizabeth Cranston is a marketing professional forLincoln Benefit Life.Charts are hypothetical and for illustrative purposesonly, and are not intended to predict future results.Examples assume a $100,000 initial investmentwith no additional purchase payments and nowithdrawals taken during the 5-year guaranteeperiod. Examples do not reflect the effect offederal or state taxes. The rate of return on the5-year Allstate Treasury-Linked Annuity may behigher or lower than a 5-year guaranteed rate ona fixed annuity product that is non-treasury-linked.Example assumes a 100% participation rate.5 Past performance of the 5-year U.S. CMT Rate or Allstate Treasury-Linked Annuity 5-yearguarantee rates are not indicative of future results.6 Waivers are automatically included with all contracts if approved in that state. Seeendorsements for specific details, terms, conditions and limitations.7 A portion of each payment will be considered taxable, and the remaining portion will be anontaxable return of your investment in the contract, which is also called the “basis.” Oncethe investment in the contract is depleted, all remaining payments will be fully taxable. Ifthe contract is tax-qualified, generally, all payments will be fully taxable. Payments takenprior to age 59½ may be subject to an additional 10% federal tax penalty.All guarantees are based on the claims paying ability of Lincoln Benefit Life Company.There are no interest rate enhancements during the first year of each 5-year guaranteeperiod. Loss of principal due to surrender charges may occur if the annuity is surrendered inthe early years since the purchase payment was made.18 the edgeThe exact match to the 5-year U.S. Treasury Rate increase is called “ full participation”and is guaranteed for the first five years. A participation rate is set for the entire5-year guarantee period. Lincoln Benefit Life Company reserves the right to changethe participation rate for subsequent renewal periods.The Allstate® Treasury-Linked Annuity is a flexible deferred annuity issued by LincolnBenefit Life Company, Home Office: Lincoln, NE, a wholly owned subsidiary of Allstate LifeInsurance Company, Home Office: Northbrook, IL. Allstate® Treasury-Linked Annuity isavailable in most states with contract series AP0200 and certificate series GAP0200.Not FDIC, NCUA/NCUSIF Insured. Not insured by any federal government agency.Not a deposit. Not guaranteed by the bank or credit union. May go down in value.FOR BROKER/DEALER OR AGENT USE ONLY — this material may not be quoted,reproduced or shown to members of the public, nor used in electronic or written form assales literature for public use.

Choice is GoodLincoln Benefit Life’s SureHorizon SM II and SureHorizon SMChoice annuities offer a selection of features yourcustomers will appreciate, including:• A choice of four different guarantee periods• First year interest bonuses• No withdrawal charge on the standard death benefit• 15% free withdrawals*• Trail commission options• Activities of Daily Living**Whether it be single or flexible premium, lowminimum premiums or higher crediting rates, getthe choice of features you need for your annuitysales with the SureHorizon series.Choose now to get more information— callLincoln Benefit Lifetoday at 888-525-7355.*Distributions taken prior to annuitization are generally considered to come from the gain in the contract first. If the contract is tax-qualified, generally all withdrawals aretreated as distributions of gain. Withdrawals of gain are taxed as ordinary income and, if taken prior to age 59 1/2 may be subject to an additional 10% federal tax penalty.**Activities of Daily Living Waiver is now part of the Emergency Waiver that allows withdrawal charges to be waived if the owner is unable to perform two or more of thedefined activities of daily living, confined to a long-term care facility or hospital for at least 90 consecutive days, diagnosed with a terminal illness, or becomes unemployed.May be subject to state availability. See endorsement for specific details, terms and conditions.Guarantees are based on the claims paying ability of Lincoln Benefit Life.Not FDIC, NCUA/NCUSIF insuredNot insured by any federalgovernment agencyNot a depositNot guaranteed by thebank or credit unionMay go downin valueFOR BROKER-DEALER OR AGENT USE ONLY—may not be quoted, reproduced, shown to members of the public or used in oral, written or electronic form as sales literaturefor public use.SureHorizon SM Choice (AP0510), a single premium deferred annuity, and SureHorizon SM II (AP0500), a flexible premium deferred annuity, are both issued by Lincoln Benefit LifeCompany, Lincoln, NE, a wholly owned subsidiary of Allstate Life Insurance Company, Northbrook, IL. Products may not be available in all states.AC6043©2006 Allstate Insurance Company, Home Office, Northbrook, IL

The MostSuccessfulProducers Know How toAdaptSharks can sense and adapt to subtle changes intheir environment. You, however, need to rapidlyadapt to changing product information in order tooffer the best service to your clients.That’s why Lincoln Benefit Life uses Brainshark...to keep producers up-to-date on LBL products.To learn more about how you can use Brainshark,and to sign up for a FREE Brainshark Express TrialAccount, please view this Brainshark presentation:http://www.brainshark.com/brainsharkinc/LBLYou can use Brainshark for:• Increasing the reach and impactof your personal communications• Improving lead generation programs• Delivering post-meeting follow-upCast a Smarter Net