Career Opportunity 09/12/2014 Roberto H. Bruce, MS, CLU, ChFC, LUTCF Cavaliers Insurance Marketing Rights Reserved Mission Cavaliers Insurance Marketing To provide our members with sales and management skills for the pursuit of a progressive, successful professional career in financial services. We believe that the key to long range agency success is in the professional development of our members. Rights Reserved Cycle of Success Financial Independence RECRUIT SELL Marketing Structure Professional Development TRAIN Rights Reserved Company vs. Products 1C 1C 1P MP MC 1P Rights Reserved 900 MC MP BROKER 899 898 Rights Reserved Agency Building Opportunity Strong Companies Unique Products Ground Floor Opportunity Competitive Agency Compensation Vesting rights Rights Reserved Product/Plan Portfolio PENSION PLANS – Administration; Funding; Distribution/Rollover. DISABILITY INCOME (DI) – Individual DI; Simplified DI; Graded DI; Business Overhead Expense. CRITICAL ILLNESS (CI) – Fully Underwritten CI; Simplified CI. WHOLE LIFE (WL) – Participating (Par) WL (Non-Med 250k, Med); Simplified Non-Par WL (Level, Graded, Modified); Single Premium Par WL. UNIVERSAL LIFE (UL) – Lifetime Guaranteed UL; Cash Accumulation UL (Indexed UL, Traditional UL) – Non-Med 250k, Med; Low Premium UL. TERM LIFE – Guaranteed Premium Term (Non-Med 350k/250k, Med) w/ or w/o Return of Premium (ROP); Annual Renewable Term (ART) – PS1 (Group Term Life), PS58 (Split Dollar) Tables. ACCIDENTAL LIFE. REVERSIONARY ANNUITY (Income Protector). ANNUITIES – Fixed, Indexed. Agency Compensation System MANAGEMENT OVERRIDES PERSONAL PRODUCTION Executive Sales Dir (As GA, An SGA) Area Sales Manager (As GAII, An GA) 5% Rights Reserved 15% 10% 25% 20% 10% 33% 28% 18% 8% 85%-115% $300,000 A.P. 16 RECRUITS 80%-105 % $150,000 A.P. 10 RECRUITS District Manager (As Broker, An Agent) 70%-95% $75,000 A.P. 6 RECRUITS Unit Manager (As BrokerII, An Agent) 60%-85% $40,000 A.P. 2 RECRUITS Associate (As Agent4, An Agent) 52%-85% $20,000 A.P. (ANNUALIZED PREMIUM) Personal Production $ 100 / month policy $ 100 X 12 = $1,200 X 50% __________ $600 / 2 hr __________ Not a lot of income Not a lot of work ______________________ $300 / hr Rights Reserved either PIONEER INSURANCE SERVICE EXCEL Rights Reserved CHOICE? EMPLOYEE BUSINESS Rights Reserved CLIENTS: WITH INSURANCE WITHOUT INSURANCE PRACTICALLY, EVERYBODY! Rights Reserved Rights Reserved CONVENTIONS • 2012 – Lisbon, Portugal • 2013 – Bermuda • 2014 – Rome, Italy • 2015 – Costa Rica • $56,250 annualized qualified premium to year end. • Qualified agent and guest. Your Capital (In California; Check for other States) 1. 2. 3. 4. 5. Pre-Licensing Education (52 Hrs)- $78 Life & Health License Exam ——— 45 Life & Health License (2 yrs) —— 154 Fingerprint ————————————— 69 Business Cards —————————— 10 Total Rights Reserved $356 3 TYPES OF PEOPLE Rights Reserved 1. DON’T KNOW WHAT HAPPENS 2. WATCH THINGS HAPPEN 3. MAKE THINGS HAPPEN A BROKER’S CREED Cavaliers Insurance Marketing I hereby swear to abide with the philosophy based on the 3H of Conduct – Honesty, Hardwork, and Help – in my pursuit of a progressive, successful professional career in financial services. Rights Reserved So Help Me God.