Financial Services An Independent Insurance Marketing Company

Transcription

1 Darholy Financial Services An Independent Insurance Marketing Company Who We Are Darholy Financial Services is an independent insurance marketing company affiliated with the best insurance companies available in the USA. A company that recognized financial land mines and offer solutions to our consuming public. One of our main focuses is to educate everyone about our comprehensive tax strategies. We offer savings plans that really works in minimizing and avoid taxation. In this company we will make sure everyone gets what they deserved as Clients and Agents alike. We have the best compensation system that really make sense and it s second to none. An opportunity that may change your life. As an independent insurance marketing company, we enlighten, encourage and empower people as we offer the best protection(s) they might need while they are saving for their future or well being. In DFS, you have the freedom to run a company within a company. As a DFS Sales Associate, you are King, you are free, you are independent, you are your own boss, and you are a Business Owner. DFS ultimate goal is for everyone To Dream Again.

2 * Unlimited Income Control Your Own Destiny * Business Ownership - Independence * Dream Vacations, Car, House, Yacht, etc. * Financial Stability, Security and Freedom * To Live and enjoy life to its fullest

3 * Great Products Life Insurance, Annuity, Accident, Cancer, Worksite UL and Health Insurance * Great Compensation Traditional and Multi Pay System * Bonuses and Rewards * Non Captive * Profit Sharing * Turnkey System * Affiliated with solid and strong companies

4 Life Options EIUL, Conseco Providence Worksite UL Portable, GI or EIO, Cancer, Accident, Medicare Supplement and Wage Guard Conservative UL w/ two years Commission Cheapest Term Full Underwriting 65 non-med to $250,000 Big UL doubles your death benefit at the first 15 years. Full line living benefits and Plan Right Impaired Risks, Final Expense Guaranteed Issue and Term with ROP SPWL with 10% bonus with no surrender charge and Non-Med Term Health Insurance Provider for Individual or Group Living Benefits at its best Annuity with 8% bonus and Long Term Care

5 Average Americans lost at least 40-50% of their life savings in today s market 90% that owns a savings vehicle plan has no protection and subject to severe taxation 90% that have life insurance has no Living Benefits All of them dreamed to retire comfortably but most end up in nightmares in today s market Insurability and Unforeseen Illnesses Arises

6 How do you protect against an unforeseen illness? Every 29 seconds; someone suffers from a coronary event. Every 45 seconds; someone suffers a stroke. 45% of heart attack victims are under age 45. Men have a 1 in 2 risk and women have 1 in 3 of developing cancer in their lifetime. 60% of all Americans who reach 65 may need Long Term Care. An extreme illness can cost well over $100,000 in out of pocket expenses.

7 DFS Offers An Independent Insurance Marketing Company 1. Tax Free Retirement Planning (Savings Vehicle) 2. Living Benefits (Chronic, Critical and Terminal) 3. Higher Cash Value Accumulation w/ Guarantees (Upside Potential with Downside Protection) 4. Non-Medical Term with ROP and Free Term Rider 5. Impaired Risks, Simplified and Guaranteed Issue 6. Long Term Care, Cancer, Accidents, Health Insurance and Nursing Home Riders 7. Off setting bonuses from our carriers 8. Return of all premium and Waiver of all Premium 9. Accidental Death Benefit ( Most of the time it doubles your death benefit if you died accidentally)

8 Protect yourself and your family while saving for your future Disability Retirement Income Terminal Chronic & Critical Illness = Life Insurance Riders Multiple Needs, One Combined, Affordable Solution Life Insurance You Don t Have To Die To Use

9 The fact is 30% of your hard earn dollar goes to pay taxes and 30.4% goes to pay interests. Where would you save the remainder? Upside Potential with Downside Protection Indexed Universal Life 0-3.1% % to no cap Bottom Cap Avg. Top Cap Savings Plan that is better than Bank savings accounts. S&P 500 Non-Guaranteed IUL - Annuity Upside potential Downside Protection Bank Savings Account Guaranteed

10 Single Premium Whole Life and Indexed Universal Life Protect your promises while you save SPWL /IUL VS Annuity CD/401K Tax Free Death Benefit Yes No No/No Living Benefit Yes Yes No/No Flexible Premium Yes Yes No/Yes Avoid Probate Yes Yes No/No Loan Privileges Yes Yes No/Yes Tax deferred Growth Yes Yes No/Yes Bonus Available on Premium Yes Yes No/No Lifetime Income Option Yes Yes No/No Potential High Yields Yes Yes No/Yes Tax Free Distribution Yes No (unless it s Roth IRA) No/No

11 Tax-Free Retirement An Independent Insurance Marketing Company Income Stocks Mutual Funds Capital gains, CD Bank Savings Interests 401k, 457, 403b, TSP IRA, SEP, SIMPLE, Annuity and many other qualified plans Off-Shore Stocks Municipal Bonds Roth IRA Limited Life Insurance - EIUL

12 Forester UHL IAP Sagicor COMPENSATION and PROMOTIONAL GUIDELINES on Traditional System Managerial Promotion Is Through Duplication GA 80% SGA 85% NGA 90% SNGA 95% ENGA 100% Sales Manager 75% 50,000 Annualized Premium All promotions maximum credit for largest leg is 75%. GA SNGA promoted to next level when you replace yourself. Rep to Sales manager based on organization annualized premium. Senior Agent 70% 50,000 Annualized Premium Agent 60% 10,000 Annualized Premium Representative 50% Non-Licensed Representative may earn money that equates to 30% of the annualized premium but not over $ as a referral fee for each closed training sales. Compensation shall be paid in accordance with the standard practices and procedures of the Company, which practices and procedures may be changed by the Company at any time. Table of First-Year-Commissions. This schedule is subject to change by the Company at any time. For Agents Use Only

13 Associate 40% Associate Agent 50% Senior Associate Agent 60% Associate Manager 65% Senior Associate Manager 70% Multi Pay System GA 1 st GA 2 nd GA 3 rd GA 4 th GA 5 th GA 6 th GA 7 th GA 8 th GA SGA NGA SNGA ENGA FOUNDER 75% 78% 81% 84% 87% 93% 9% 12% 15% 18% 21% 27% 3% 6% 9% 12% 15% 21% 2% 5% 8% 11% 14% 20% 2% 5% 8% 11% 14% 20% 1% 4% 7% 10% 13% 19% 1% 4% 7% 10% 13% 19% 0% 3% 6% 9% 12% 18% 0% 3% 6% 9% 12% 18% All promotions maximum credit for largest leg is 75%. Associate ENGA promotional guidelines must be met in order for the promotion to take effect to the next level. Promotion is based on organization annualized premium and required recruits. I just got promoted Note: LSW Compensation Grid is through FEGCORP/LSW

14 Based on average sale of $2000/month net income You 3 sales a month = $6,000 Bring in three Avg. 20% Managerial Override = $18,000 = $3,600 Each one does three sales a month Your Sales + Your Overrides = $9,600 monthly income EX: To Calculate a $200 a month premium at 60% $200 x 12 = $2400 x 60% = $1,440 x 100% advance = $1,440.00

15 Caesars Palace An Independent Insurance Marketing Company Bring in 3 new paid representative to join the company receive one of the following services or cash for fun bonus. * Two nights 5 star Hotel Accommodation w/ Dinner for two * $ Cash in or credit it to a new recruit * Two nights and three days escapade * Bed and Breakfast One Personal Video Montage ($300 value) * Hot Balloon Ride

16 $ one time application fee This is required to all prospective licensed applicant or non-licensed applicant. $65.99 a month for the payment of E&O and License renewal expenses. (Not Required)

17 Provide Three Training Sales Commit to the Power of Three Get Licensed Start-Up Kit (Pay Application Fee) Work with your Managers Utilize Our Website and look for training dates and location, attend if possible.