Essential Marketing Materials. For WFG Associates. A Transamerica Company

Transcription

1 Essential Marketing Materials For WFG Associates

2 These marketing materials are designed to help you get started quickly in your WFG business and make a strong, positive impression on the clients and prospects you meet.

3 Start Strong Congratulations and welcome to World Financial Group (WFG). Now that you have taken the step to become an independent associate with WFG, the home office is here to help you build a successful business and achieve your dreams. One of the ways WFG supports its associates is by creating a variety of high-impact marketing materials you can use to mentor your team and share with prospective associates as well as with current and potential clients. The materials featured in this brochure are just a select group that are designed to help you get started quickly in your WFG business and make a strong, positive impression on the clients and prospects you meet. 1

4 The WFG System Manual Item # 1462 WFG System Manual How the WFG Business Platform Works This manual walks an associate through the process of building a WFG business. You will learn how to prospect, how to approach and contact potential new associates, how to run your business presentation meetings, how to follow up with prospects and how to duplicate your efforts for maximum results. This manual helps a new associate get off to a fast start, and can help seasoned field leaders to refresh themselves on the system s steps as they work to take their businesses to the next level. Step 1: Prospecting The Eight Qualifiers years old 2. Married 3. Dependent children 4. Homeowner 5. Solid business/career background 6. $40,000+ household income 7. Dissatisfied with his/her current situation 8. Entrepreneurial The Top 25 Once the top 25 people who meet most of these qualifiers are identified, transfer their names to the Top 25 Worksheet. Consider how to best approach each person. Identify two or three hot buttons for each person things that he/she really want and need, including problems or areas of dissatisfaction in their life that you believe you and WFG can help them solve. You and your trainer need to know qualities about these contacts to effectively help you see how the contact/ prospect can fit into your business. Some qualities include: Hard worker Entrepreneurial Positive attitude People skills Responsible Coachable Goal-oriented High self esteem Cares for people Strong family unit Focused Track record Expanding Your Warm Market Step 1: Prospecting The more you work in your warm market, the higher success ratios you will generally experience. Occasionally, someone who joins WFG doesn t have a very large natural market or a long-time associate will need to cultivate a new market. You may think you are too busy to have more friends, but this is the lifeblood of your business. Once you have established friendships with these new acquaintances, they will be more open to an invitation. You will also know them better and know what their needs and wants are, and how you and WFG may be able to help. Following are some ways to expand your warm market: Friendship Farming Friendship farming is one way to make new friends and acquaintances to add to your warm market. You should not go out specifically to friendship farm or prospect, but rather just be aware of the people around you in the normal course of your day. Find ways to begin conversations with people. Don t go prospecting; prospect as you go. Be courteous, be genuine, and don t jump the gun with an invitation. Start with the intent of making new friends, rather than the intent of inviting someone. There are four things to keep in mind, in this order, when casually visiting with someone you just met. This is known as FORM. F O R M stands for FAMILY. stands for OCCUPATION. stands for RECREATION. stands for MESSAGE. Find something in common with this person. Discover a reason to connect again later. Obtain a business card or contact information. 6 For internal use only For internal use only 7 2

5 Johns Creek, GA Phone: New Associates: Getting Started With WFG Item # 2939 WFGOpportunity.com We talked to successful field leaders to learn what they consider to be the best practices for new associates to follow. This brochure part of our Best Practices Series, contains their suggestions and advice based on years of experience building a business. Best Practices Series New Associates Getting Started with WFG World Financial Group and/or WFG consist of: U.S.: World Financial Group, Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/ or WFG Insurance Agency of Puerto Rico, Inc. - collectively WFGIA. World Financial Group, Inc. and WFGIA are affiliated companies. Headquarters: Johns Creek Parkway, Canada: World Financial Group Canada Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. World Financial Group Insurance Agency of Canada Inc. (WFGIAC) offers life insurance and segregated funds. World Financial Group Canada Inc. and WFGIAC are affiliated companies. Headquarters: 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. Phone: Not for use in Quebec In the United States, the WFG logo is a registered trademark of World Financial Group, Inc World Financial Group, Inc. 2939/4.16 Your Role as A New Associate WFGOpportunity.com Clearly understand your role as a new associate. Some new associates don t want to go into the field until they know everything about the products. Since you are new to the business, you are not yet an expert on financial services, and until you become licensed and appointed, you re not ready to talk to families about products offered by WFG s affiliated companies. As a new associate, you don t need to know it all talking about the products is the role of your trainer. Your role is introducing and edifying your trainer. When you and your trainer combine your strengths, it s a powerful one/two combo. As your product knowledge grows and you attain your licenses, your role as a financial services professional will come together for you, rounding you out as an associate. In the meantime, concentrate on building your warm market, going out on field training calls with your trainer and bringing other new associates into the business. World Financial Group and/or WFG consist of: U.S.: World Financial Group, Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. Best Practices Series You need to know that this is your business. You are the owner. Another thing you need to realize is that you are now a business owner. When starting a business, most people often have to invest a large amount of money but WFG requires just a small administrative fee * to start. This small amount causes some new associates not to take full ownership of their business; they don t treat it like something they have invested in. You need to know that this is your business. You are the owner. That is your role from day one. No one will care more about your business then you. Finally, the leaders we spoke to noted that as a new associate you need to be coachable and open to developing yourself. You should attend all the meetings that you can and absorb as much information as possible. *The administrative fee in the United States is $100. In Canada, the fee is $125. Insurance products offered through World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/ or WFG Insurance Agency of Puerto Rico, Inc. - collectively WFGIA. World Financial Group, Inc. and WFGIA are affiliated companies. Headquarters: Johns Creek Parkway, Johns Creek, GA Phone: Canada: World Financial Group Canada Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. World Financial Group Insurance Agency of Canada Inc. (WFGIAC) offers life insurance and segregated funds. World Financial Group Canada Inc. and WFGIAC are affiliated companies. Headquarters: 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. Phone: Not for use in Quebec In the United States, the WFG logo is a registered trademark of World Financial Group, Inc World Financial Group, Inc. 2939/4.16 New Associates Getting Started with WFG Starting your own business is never easy, especially when it s in the highly regulated financial services industry. That s why advice and help from those who have done it successfully is so valuable. As a new WFG associate, it s important to get started quickly, get licensed, and build a team, all while learning how to build a successful business. As part of our mentoring business model, we sought the advice of some of our top leaders who have demonstrated success in recruiting and retention. We asked them a simple question: What are the best practices new associates should adhere to? Following is what they had to say. 3

6 Get to know our language. Generation Each step on the advancement ladder is considered a generation in relation to the people above and below you. Generational Override Once you reach the Senior Marketing Director level, you re eligible to receive overrides for Senior Marketing Directors you develop up to six generations deep. Overrides are the earnings you receive from business produced by the people in your organization. Rolling Time The flexible period (days or months) used to calculate your production for an advancement. For example, a rolling three (3) months from April would include February, March and April. Points The values used for advancements, contests, bonus pools, leaders bulletin rankings and other recognition, which are calculated from the total revenue generated. Our point system, crossing multiple companies and products, is unique to our platform. Points are accumulated based on the type of product sold and the total percentage to the field. Guidelines 1 Base Development Executive Development Associate Marketing Director Senior Marketing Director (Level 10) 2 (MD - Level 17) 2 (SMD - Level 20) 3, 4 Associate Marketing Senior Marketing (Level 10) Director 2 Director Rolling Time 30 days 3 months 3 months (MD - Level 17) 2 3, 4, 5 (SMD - Level 20) Rolling Time 30 days 3 months 3 months 3 Associates/Legs 3 3 (1 must be MD Level 17) Associates/Legs direct legs Licensed Associates New Associates Direct 5 Associates (1 must be 10 MD level 17) in your organization (life-licensed) (6 life-licensed) Licensed Associates 5 10 in your organization (6 life licensed) 6 Field Training 3 Appointments (non-securities only) Field Training 3 Appointments (non-securities only) 40,000 75,000 Production net points MD Base net points Production 40,000 75,000 base shop net points base shop net points 7 Cash Flow $35,000 (Rolling Cash Flow Time) $35,000 (12 months) (12 months) (Rolling Time) or $20,000 (6 months) Alternate Alternatively Rolling Time 3 months 12 months Rolling Time Production 20, ,000 Production personal 20,000 net points base shop 225,000 net points 7 Personal net points MD Base net points Cash Flow $35,000 (12 months) (Rolling Time) or $20,000 (6 months) U.S. Compensation Executive CEO Executive Executive Marketing Marketing Director CEO Marketing Director Executive Vice Chairman Vice (EMD Director - Level 65) 7 (CEO Director MD - Level 70) 7 (EVC Chairman - Level 87) 7 8, 9, 10 8, 9, 10 (EMD - Level 65) (CEO MD - (EVC - Level 87) Rolling 6 months 8, 9, 10 Level 70) & Advancement Guidelines Direct Rolling SMD 6 Months Legs Effective as of January 1, 2011 Updated April 2016 Direct SMD Legs 3 5, , 11 5, 11 9 SMD Base - 1st Net 500,000 1 million 1.5 million Points Rolling Base st months 500, million million 13 Net Points Direct SMD Legs Rolling 12 Months SMD Base - 1st Net 750,000 million million Points Direct SMD Legs 3 5, , 11 5, 11 9 Compensation & Advancement Guidelines U.S. Item # WFGUS10003 Can. Item # WFGCA10004 This brochure explains how we compensate and reward our associates with one of the industry s most robust compensation plans on our diversified product portfolio. It also details the steps that are required for you to advance to higher leadership positions. Base - 1 st Net Points 750, million million 13 4 For more specific advancement criteria, including qualifications for advancement levels above EVC, please go to MyWFG.com. Our Platform. Your Dreams. Never before and, most likely, never again will we experience a time of opportunity like we re living in today. In any industry financial services included one big marketing innovation can change the world. And, more importantly, it can change your world. World Financial Group, Inc. s (WFG) marketing innovation combines a world-class organization and resources to help people just like you reach their dreams. Earning a favorable return on your skills, knowledge, and time requires the right model. If you re determined to own your future, the compensation and advancement structures offered by the WFG business platform are unlike anything you ll find in the financial industry. A Unique Blend of Ways To Earn Income * WFG opens the door to success for anyone who has the spirit and desire to make a better life as a financial professional. Associates are rewarded with one of the industry s most robust compensation plans on a diversified product portfolio. You also have access to the industry s most powerful business platform where, from day one, you receive the support and systems necessary to get started and continue to grow at every level. As you advance through our ranks and build your business, you can earn more money while helping more people. WFG continues to expand each year as more associates rise through the advancement levels to become successful leaders. Are you ready to claim the tremendous potential that awaits you at WFG? North American Earnings: Averages & Highest * The following are the average and highest earnings for a rolling 12-month period through December 31, 2015 for North American associates who held life, securities, and/or investment advisory licenses. Leadership Level Average Earnings Highest Earnings Senior Marketing Director (life licensed only) $51,960 $592,460 Senior Marketing Director (life and securities only) $63,721 $352,989 Senior Marketing Director (life, securities, and advisory) $87,732 $1,612,669 Executive Marketing Director $201,058 $1,347,137 CEO Marketing Director $424,789 $2,311,962 Executive Vice Chairman & Up $1,046,691 >$10,000,000 Personal Income Every time you help a client and write new business, you earn a commission. As you reach certain preset levels, your commission percentage increases. Because we encourage our associates to reach out to everyone, and not just high earners, there are no limits to how many people you can help. Agency Income As you grow and expand your agency business, you have the opportunity to mentor and coach newly licensed associates. As these licensed associates write new business, you can earn a portion of the overall commissions. * Different products are offered in the U.S., Puerto Rico, and Canada and may impact individual earning production. Earnings in U.S. dollars and rounded to the nearest dollar. Canadian earnings calculated using the Canada to U.S. exchange rate from December 31, Only U.S. associates can hold Investment Advisory licenses and registrations. U.S. associates are affiliated with World Financial Group, Inc. Canadian associates are affiliated with World Financial Group Canada Inc. Now the only question is, how much do you want to earn? Expansion Income There are no territories to hold you and your business back. You re free to expand your business anywhere in North America. ** From a local team to teams that you establish in other towns or even other states, our platform supports your efforts and helps you support your organization. Bonus Income Qualified leaders earn a pro-rata share of an override on our entire field force. Your portion of the bonus can grow based on your organization s production. Company-wide bonus pools can multiply and compound your earning potential, while rewarding leaders for the quantity and quality of their business. * In order for a WFG associate to receive any compensation, they must be appropriately licensed and/or registered. ** Certain restrictions apply 3 4

7 The Strategy Item # 2335 This brochure explains WFG s business growth strategy and tells how you can use it as a clear, fast and doable formula to help you achieve success. What is ? The Strategy A Business Growth Strategy That s Simple The strategy is an easy-tounderstand guide that empowers you to build your team faster. Using this technique, you can recruit three team members while observing three training sales within your first 30 days at WFG. Clear This straightforward business-building method helps to eliminate confusion and quickly grow or rejuvinate your organization. Fast This effective and repeatable strategy can help you quickly build your business in just 30 days. Repeat the strategy over and over again to achieve the business growth you desire. Doable The strategy demonstrates how you can achieve great things with WFG. Start using this strategy today to help you get and stay on a path to success. What Can Do for Your Business? The strategy is simple and can help you achieve success. How far you go depends on the number of people you reach through your business and how you grow your organization can help you: Generate leads to find potential associates or clients Build a strong team that can help individuals and families secure better financial futures Increase the size of your business Jump-start new businesses while revitalizing existing organizations Train new associates on how to build successful businesses Achieve a promotion Kick-Start Your Business With the Strategy 5

8 Create Your Success U.S. Item # 2585 Can. Item # 2585CN This is an excellent business presentation that provides an overview of what World Financial Group believes, our mission to help people have better financial futures, and why someone would want to take advantage of the WFG business opportunity. Create Your Success Business Presentation Meeting 1 An Exceptional Business Opportunity An overwhelming need for our products and services An effective business platform Powerful compensation Great timing Strong core values Our Product Solutions Term Insurance 4 Universal Life 12 12,13 Fixed Annuities IRAs 13 Retirement 14 12,13 College Savings Providers listed maintain current selling agreements with World Financial Group Insurance Agency, Inc. or its subsidiaries. Associates must be properly licensed and/or appointed to sell insurance. 12 The full names, city and state locations of these entities are: Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; Voya Insurance and Annuity Company, Des Moines, Iowa; Nationwide Life Insurance Company, Columbus, Ohio; Everest Funeral Package, LLC, Houston, Texas. 13 Transamerica Premier Life Insurance Company, Transamerica Life Insurance Company, World Financial Group, Inc., and World Financial Group Insurance Agency, Inc. and its subsidiaries are affiliated companies. 14 If the cash value of a life insurance policy is withdrawn for retirement then please note that money withdrawals from the cash-value part of the insurance policy can be treated as a form of income. The withdrawals can also reduce the insurance policy s death benefit. Unpaid loans taken by the life insurance policy owner can also reduce the death benefit paid to the beneficiaries. 15 If the cash value of a life insurance policy is used for college savings then please note that money withdrawals from the cash-value part of the insurance policy can be as a form of income and does count against needs-based financial aid in the following year. The withdrawals can also reduce the insurance policy s death benefit. Returns within an insurance policy may not keep pace with rising college cost and surrender charges in the life insurance policy s early years may reduce the cash value. A cost-benefit analysis should be performed to determine if this long-term college savings strategy makes financial sense for a particular family. 15 6

9 Achieve Your Dreams U.S. Item # 2586 Can. Item # 2585CN Achieve Your Dreams Client Presentation This client brochure gives a brief overview of why WFG associates go to work each day: to build and protect wealth for families and individuals. It explains the six components of WFG s financial needs analysis and describes fundamental financial concepts and strategies such as the Rule of 72 to help your clients better understand how they can secure their financial futures. Basic Financial Concepts Knowing and understanding three basic financial concepts can help people have and enjoy financial security. This is what WFG associates teach. Managing Rate and Risk The Rule of 72 7 : If you divide 72 by the rate of return being earned, you will obtain the approximate number of years required for your initial savings to double. $160k For example, the Rule of 72 tells us that an investment earning a constant 8% rate of return should double approximately every 9 years. $80k So, if you made a $10,000 investment at age 29, with an 8% rate of return, it should grow to about $160,000 by age 65. The Situation of Most Households $40k $20k Most families: Live with too much debt and not enough insurance protection Have little to no savings and do not have a clear understanding of how much savings is enough Do not make enough money and are not sure how to fix the problem True financial independence means to: 7 The Rule of 72 is a mathematical concept that approximates the number of years it will take to double the principal at a constant rate of return. The performance of investments fluctuates over time and, as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. Additionally, there are no guarantees that any investment or savings program can outpace inflation. All figures are for illustrative purposes only and do not reflect an actual investment in any product. Save more and spend less Live within one s means Protect loved ones should the worst-case scenario occur Systematically reduce and eliminate debt 4 What is the result of living like this? Little to no peace of mind Stress and frustration Have sufficient funds to cover expenses for six months to a year Build long-term savings that protect you and your family for life Have peace of mind Negative impact on the family 4 7

10 A Foundation for Your Success Item # 2936 This brochure details the assortment of marketing and sales resources available to you through WFG. From the tools on MyWFG.com to home office support, this brochure is a list of useful assets you now have access to as a WFG associate. The WFG Business System The WFG Brand This powerful resource developed by the company s experienced field leadership, is a step-by-step blueprint that can help you build and grow your business. The system guides you on how to grow a client base, bring new associates into the business, mentor new associates, develop a game plan for success, and much more. WFG has a solid and strong reputation for helping families across North America have better financial futures. As an associate, you can leverage the WFG brand by use of the company s name, logo, image and marketing materials. A Foundation for Your Success MyWFG.com MyWFG.com, the associate s intranet, is filled with tools and information to help you build your business. As a new associate, it s important to become familiar with MyWFG as it is a resource that you will use over and over again in your business. Some of the information and tools you ll find there include: Presentation Builder You can create customized slideshow presentations that you can save to your smartphone, tablet or laptop, giving you convenient access when you re on the road. There are also numerous WFG-created marketing materials that are available to you. Reports There are a variety of reports that provide information on your business. These include commission information, team status reports, cash flow reports, licensing reports and more. WFG Talks This section has audio and video selections from some of the best WFG field leaders and from major company events. The messages offer mentoring, coaching and inspiration to help you build a successful WFG business. Contest & Event Information MyWFG includes information on WFG contests and events. Back Office Support System (BOSS) Eliminate the need to fax or forms to the home office. BOSS lets you complete forms online, allowing them to be processed faster. Sales Desk Licensing WFG Home The WFG Sales Desk is a team of fully-licensed specialists who are knowledgeable about the products and services offered through WFG s affiliated companies. Sales Desk representatives offer you expert level information to help you feel confident when discussing products with clients. The WFG Sales Desk also works in conjunction with our provider s sales desks to provide you with details about new products and services. Contact the Sales Desk at 770-WFG-SELL ( ) in the United States. and in Canada, or via at WFGSalesDesk@transamerica.com WFG associates take advantage of relationships WFG has with education vendors who offer training to prepare people for their licensing examinations. These programs are usually available at a discounted rate for WFG associates. The WFG Home Office Support Team Access to Industry Leading (HOST) is the Product in-house associate Providers 1 Office Support services team that is ready to help As a licensed associate, you have access you. to If a you multitude have any of products questions provided about through WFG s Team affiliated (HOST) companies. You coding, aren t commissions, captive to a licensing, particular company or product, instead you are connected to services, well-known technical companies support, so or you any can offer your clients the power of choice. other concerns, they are an excellent resource for you. Contact HOST in Canada at (416) In the United States 2,3 United States and Puerto Rico, please call HOST at (770) All associates can the HOST team at wfghost@transamerica.com. Business Builder Websites Campaign Manager WFG provides you with the ability to create a personalized website that is free of charge. This allows you to establish your brand and business online for free. Once you are licensed, the campaign manager helps you to create and manage a more effective sales and recruiting effort. You can organize your contacts, send s to prospects, track their response and clearly measure the success of your campaign. Contact Manager This allows you to enter and view all your contacts and filter them using specific qualifiers. You can also port the information to specific tools that can help you streamline your recruiting and sales processes. Also, keep track of what events your new contact is attending or take note of what concerns he/she might have. Canada 3,4 WFG Drive WFG also provides you with a variety of mobile tools through WFG Drive, an app that allows you to perform a Financial Needs Analysis, 5 run illustrations, and complete sales no matter where you are as long as you have Internet access. It also makes it easier for you to sign up new WFG associates through access to the online AMA. Let s Get Started Now that you have seen a sample of the assistance, tools and resources at WFG, begin building a business as large as your dreams. With these resources at your disposal, nothing is standing in the way of your drive and determination. You are your own boss, so take full advantage of all WFG offers, and let it empower you to take charge of your career and your financial future. 8

11 Strength in Selection Canada Product Providers Strength in Selection U.S. Item # 0740 Can. Item # 0740CN This double-sided slick shows the diversity of the products and services life-licensed WFG associates offer and the numerous product providers they represent to their clients. This piece can be used when speaking to a potential associate about joining WFG, as well as with clients to display the breadth of WFG s offerings. (Canadian Version) World Financial Group Insurance Agency, Inc., its subsidiaries, and Crump Life Insurance Services represent some of the most well known providers and products in the industry, which provides the power of choice to clients by allowing them to find the right solution for their specific needs. Indexed Universal Life (IUL) 3 Accordia Life 4 Allianz Life 4 American General 4 John Hancock USA 4 Nationwide North American 4 Pacific Life Term Life 3 American General 4 Banner Life Insurance Company 4 John Hancock USA 4 Nationwide North American 4 Pacific Life Protective Life 4 Fixed/Indexed Annuities 3 Allianz Preferred 4,5 American General 4 Athene 4 Forethought 4 Jackson National Life Nationwide North American 4 Disability 4 Assurity Life Lloyd s of London Metropolitan Life Mutual of Omaha Principal The Standard Prudential 4 Transamerica Premier Life Insurance Company Voya - ReliaStar Life Prudential 4 Transamerica Life Insurance Company Voya - ReliaStar Life Protective Life 4 Transamerica Life Insurance Company Voya Insurance and Annuity Company Voya - ReliaStar Life Universal Life 3 Accordia Life 4 Allianz Life 4 Whole Life/Final Expense 3 American General 4 Everest/IA American Group Life & Supplemental Health 3 Transamerica Life Insurance Company American General 4 John Hancock USA 4 Lincoln National (MoneyGuard) 4 Nationwide North American 4 Pacific Life Gerber Life 4 MetLife Investors USA 4 Nationwide Pacific Life Transamerica Life Insurance Company Long Term Care 3 John Hancock USA 4 Mutual of Omaha 4 State Life 4 Transamerica Life Insurance Company Protective 4 Prudential 4 Voya - ReliaStar Life Product Providers 1 1 The city and state locations of these companies are: Transamerica Premier Life Insurance Company, Cedar Rapids, Iowa; Transamerica Life Insurance Company, Cedar Rapids, Iowa; Pacific Life Insurance Company, Newport Beach, California; Voya Insurance and Annuity Company, Des Moines, Iowa; Nationwide Life Insurance Company, Columbus, Ohio; Everest Funeral Package, LLC, Houston, Texas. 2 Associates must be properly licensed, registered and/or appointed to sell products from all providers listed. 3 Companies listed maintain current selling agreements with World Financial Group Insurance Agency, Inc. (WFGIA) or its subsidiaries or have products available through Crump Insurance, a leading brokerage agency. Transamerica Premier Life Insurance Company, Transamerica Life Insurance Company and World Financial Group Insurance Agency, Inc. are affiliated companies. 4 Company products available through Crump Life Insurance Services. 5 Associates must meet certain qualifications for consideration to sell Allianz Preferred porducts. This piece is not for use in the states of Arkansas, New York and Washington. Insurance products offered through World Financial Group Insurance Agency, Inc. and its subsidiaries: World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. collectively WFGIA. California License # Headquarters: Johns Creek Parkway, Johns Creek, GA Phone: World Financial Group Insurance Agency, Inc. 0740/4.16 Strength in Selection 1 (U.S. Version) 9

12 Own Your Future Item # 0788 This brochure gives a comprehensive overview of the WFG business opportunity and platform. It lays out the advantages of being a financial services business owner backed by the power of WFG and the impact the company s independent associates can make in families lives. Own Your Future The Power of Being a Financial Services Business Owner 1 Better Tomorrows Start Here Helping people is at the heart of what WFG associates do every day. Even in this time of unprecedented access to information, there remains a lack of financial knowledge among individuals and families. However, WFG associates are ready to provide the tools and guidance needed to help clients make informed financial choices and meet their goals. As a WFG associate, you can help individuals understand fundamental financial concepts that allow them to create a sound strategy. You can help them create a better tomorrow for themselves and their loved ones. The WFG Financial Needs Analysis 8 WFG associates can offer individuals a professional and complimentary Financial Needs Analysis (FNA), which is the first step in helping to identify the core components of their financial health. Key areas that an FNA can help to identify include: Cash Flow Earn additional income Manage expenses Proper Protection Protect against loss of income Protect family assets Debt Management Consolidate debt Strive to eliminate debt Build Wealth Strive to outpace inflation & reduce taxes Professional money management Emergency Fund Save 3-6 months income Prepare for unexpected expenses Preserve Wealth Reduce taxation Build a family legacy When investing, there are certain risks, fees and charges, and limitations that one must take into consideration. Helping families is at the heart of what WFG associates do every day

13 The New Business Standard Item # 2516 This brochure explains why WFG is one of the best entrepreneurial opportunities in North America. It s a great piece to give to prospects to provide a quick overview of what they can expect if they become an independent WFG associate. The New Business Standard The Power of the WFG Business Platform Leadership Development & Mentoring Business Model You learn from WFG leaders who ve been where you are. Field leaders provide you with the support, training and tools to hit the ground running. With WFG s mentoring program, field leaders are with you every step of the way to advise and support you as you build your business. The WFG Business System 4 The WFG business system is one of the most powerful resources to help you build your business. It offers a step-by-step blueprint that has been developed by the company s experienced field leadership. The system is proven and easily duplicated. Equal Opportunity for All Test Drive the Opportunity: Start Part Time You can start your WFG business part time while keeping the security of your existing job. WFG offers a virtually risk-free chance to change your future. Supplement your existing income with a part-time WFG business. Starting part time is a great way to re-enter the workforce on your own terms. Balance Work and Life You set your own hours. You are in control of your business and your time. Competitive Compensation Program 3,4 WFG offers one of the most robust and competitive compensation programs in the industry. Opportunities to build additional income are available through incentives, such as supervisory overrides, trails and renewals, and bonus pools. Great Earning Potential 2,3 At WFG, your earning potential is determined by your drive and determination, and not by an arbitrary salary range. You earn income from your and your team members hard work. Since its inception, WFG has afforded its associates with the opportunity to be paid their true worth. As a WFG associate, you can realize your full earning potential. Moving Up 2,3 As a WFG associate, you have the opportunity to develop your full potential as a leader and business owner while building your team. Your personal production and hard work, as well as that of your team, are among the factors determining when you move up through the advancement levels. WFG offers one of the most robust and competitive compensation programs in the industry. Strength on Your Side World Financial Group, Inc. and World Financial Group Canada Inc. are Transamerica companies. The Transamerica companies offer an array of retirement, life and health protection solutions that create better tomorrows by protecting famillies and their dreams. The Power of Choice WFG does not have a one-size-fits-all approach when it comes to products and providers. Through its affiliated companies, WFG has agreements with some of the industry s most respected companies. As an associate, you represent not one, but several insurance and financial services companies. You have the opportunity to find the best product to meet your clients needs now and in the future. Expanding Your Business There are no territory restrictions. You decide where and how to build your business across the street, across town or across the country. WFG s North American Expansion Program helps you build your business throughout North America. The WFG Market Acquisition Plan (MAP) Leadership Agreement helps makes expansion easy. WFG allows you to compete on a level playing field. You determine how big you ll build your business. Your only competition is your will to win. A Diverse Field Force WFG draws its collective strength from its individual differences. Many WFG associates are first-generation Americans and Canadians, who are realizing the dream of business ownership and living the spirit of entrepreneurship. Serving an Underserved Market The need has never been greater. The stakes have never been higher. Now, more than ever, people need WFG. WFG business ownership makes sense in a good economy and even more sense in a down one. There is a growing segment of the market that is being underserved by the industry. These people can benefit from the products, services and the knowledge of financial fundamentals WFG associates can provide

14 How to Access WFG Marketing Materials WFG Store and WFG Distribution Centre The materials recommended in this brochure, and many more, are available for purchase or download from the WFG Store in the United States and the WFG Distribution Centre in Canada. Accessible through MyWFG.com, the WFG Store and the WFG Distribution Centre provide associates with easy, affordable access to marketing materials and offer: Professional quality prints available for purchase Affordable shipping Free digital PDF downloads of most materials Recommended material based on your level In the United States, securities-licensed WFG associates can access TFA marketing materials from the WFG Store. In Canada, WFG associates must have a WFGMail address to register an account with and access materials through the Distribution Centre. 12

15 WFG Reach WFG-created marketing materials can be with you wherever you are via the WFG Reach app on your mobile device. Available for both ios and Android devices, WFG Reach enables you to find items by category or by searching for a specific piece by topic, title or country. Additionally, if you find yourself using a piece often, you can bookmark the page for reference or download the material for free to your mobile device for easy access whenever you need it. All materials are updated by the home office, so the current materials are always available via WFG Reach. You can also set up notifications so you are aware of any changes to items you use regularly or when new pieces are added to the app. Download the WFG Reach app for free from the App Store on ios or Google Play Store on Andriod devices. Presentation Builder The Presentation Builder allows you to combine parts from various WFG or TFA materials to build presentations customized to your audience, which you can save to your smartphone, tablet or laptop. Available to both U.S. and Canadian WFG associates, the Presentation Builder gives you convenient, digital access to quality marketing materials whenever you need them. The Presentation Builder can be accessed through MyWFG.com or the WFG Drive mobile app. Own Your Future The Power of Being a Financial Services Business Owner 1 13

16 WFGOpportunity.com U.S.: World Financial Group, Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc., World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. - collectively WFGIA. Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA), Member FINRA, SIPC, and Registered Investment Advisor. Non-Securities products and services are not offered through TFA. World Financial Group, Inc., WFGIA and TFA are affiliated companies. WFG and WFGIA Headquarters: Johns Creek Parkway, Johns Creek, GA Phone: TFA Headquarters: 570 Carillon Parkway, St. Petersburg, FL Phone: Canada: World Financial Group Canada Inc. is a financial services marketing company whose affiliates offer a broad array of financial products and services. World Financial Group Insurance Agency of Canada Inc. (WFGIA) offers life insurance and segregated funds. WFG Securities Inc. (WFGS) offers mutual funds. World Financial Group Canada Inc., WFGIA and WFGS are affiliated companies. Headquarters: 5000 Yonge Street, Suite 800, Toronto, ON M2N 7E9. Phone: NOT FOR USE IN QUEBEC In the United States, World Financial Group and the WFG logo are registered trademarks of World Financial Group, Inc. In Canada, World Financial Group is a registered trademark of World Financial Group, Inc World Financial Group, Inc. WFG10007/10.16