Virtual Financial Corporate Overview " The Lifestyle Company"

Virtual Financial A Wealth of Resources2

VFGpro Marketing Automation System & Tools7

REVOLUTION #1 THE VIRTUAL ADVANTAGE

Traditional Industry

• Personal Life Insurance Sales

• Travel time - meetings & appointments

• Office and travel expenses

• Lower payouts & lower or no renewals

• Limited local area opportunity

• Credibility struggle for new representatives

More productive, more control of your time & quality of life

The VFG Virtual Model

• Build a Virtual Business

• Work from home or anywhere

• No Office Lease or Rent or Travel

• Higher payouts & renewals

• 50 state virtual reach 200 million plus

• Delegate to experienced professionals

REVOLUTION #2 THE LIVING BENEFIT SOLUTION

Living benefits are a revolutionary innovation that offers your family benefits you can

use while you are living. It’s a combined solution that can help protect your family’s

plans for today and tomorrow.

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ONE SOLUTION

The main purpose of Life Insurance is to provide a death benefit to the beneficiary.

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• 1. Shaw LJ, Merz CNB, Pepine CJ, et al. The Economic Burden of Angina in Women With Suspected Ischemic Heart Disease: Results From the National Institutes of Health National Heart, Lung, and Blood Institute-Sponsored Women s Ischemia Syndrome Evaluation. Circulation. August 29, 2006 2006;114(9):894-904.

• 2. More People are Surviving Critical Illnesses & United States Critical Illness Insurance Resource Center, 2012. http://criticalillnesspolicies.com/insurance-coverage/critical-illness-statistics/ (13 April 2012).

• 3. National Survey of Households Affected by Cancer The USA Today/Kaiser Family Foundation/Harvard School of Public Health, November 2006. http://www.kff.org/kaiserpolls/upload/7591.pdf (13 April 2012).

• 4. Centers for Disease Control & Prevention. Chronic Diseases and Health Promotion: http://www.cdc.gov/chronicdisease/overview/index.htm

• 5. Financial Planning and the New Insurance California 2012 Continuing Education Course.

• * Subject to state availability. Minimum and maximum amounts that may be accelerated may vary. Some portion of the payments may be taxable, and policy owners are advised to consult with their tax advisors when making a request for an Accelerated Death Benefit.

• * The $25,000 to $99,999 rate band (Band 1) and the $100,000 to $249,999 rate band (Band 2) are available on the Standard Nonsmoker, Standard Smoker, Standard Express Nonsmoker and Standard Express Smoker risk classes on a non-med basis. Non-med requirements include the application, non-medical application supplement (part 2), a Medical Information Bureau release form, prescription check and a possible personal history interview and/or an Attending Physicians Statement.

• * Premiums increase annually beginning in year 11 for the 10-year policy, in year 16 for the 15-year policy, in year 21 for the 20-year policy, in year 26 for the 25-year policy, and in year 31 for the 30-year policy. Policy form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.

• * Benefits provided through the Living Benefits, including the critical, chronic and terminal illness accelerated death benefits, are subject to certain limitations and exclusions. Amounts payable under the benefits vary based in part on the nature and severity of the Insured’s health condition and the Insured’s remaining life expectancy at the time of the acceleration as determined by the Company. Refer to the policy or riders for complete details. Note: Information and examples provided above assume an individual who is both owner and insured.

• * Impact of Stroke American Stroke Association. 18 April 2012. http:// www.strokeassociation.org/STROKEORG/AboutStroke/Impact-of- Stroke_UCM_310728_Article.jsp (24 April 2012).

• * http: //www.cdc.gov/dhdsp/data_statistics/fact_sheets/docs/fs_heart_ disease.pdf

• * http://www.cbsnews.com/8301-505146_162-39940799/how-much- would-a-heart-attack-cost-you/

• * http://www.foxbusiness.com/personal-finance/2012/05/15/critical- illness-insurance-do-need-it/print

• * For example, a Harvard Research Study published in The American Journal of Medicine concluded that illness and medical bills contributed to a large and increasing share of US personal bankruptcies.

• * Accelerated Death Benefits vary by state.

• * Policy form and number may vary, and this policy may not be available in all jurisdictions. Insurance eligibility and premiums are subject to underwriting. In most states, in the event of suicide during the first two policy years, death benefits are limited only to the return of premiums paid.

REVOLUTION #3 CHOICE OF THREE POWERFUL POSITIONS

FINANCIAL INVITER

65% of your Contract level

• Invite guests and prospects to our recorded webinars

• Drive traffic to your replicated websites

• Send proven e-mail templates to prospects

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FINANCIAL MANAGER

Up to a 65% of Contract

• Get new reps to commit to a fast start

• Schedule appointment with Financial Consultant to discuss their personal plan

FINANCIAL CONSULTANT

35% to 100% of Contract

• Meet with clients online to set up a suitable monthly plan

• Follow through the entire underwriting process, stay in communication with client, keep referring inviters and managers informed

Virtual Financial Contact Management System16

REVOLUTION #4 COMPENSATION 126.79% PAYOUT TO THE FIELD & 5.85% RENEWALS YRS 2-10 = 179.52% TOTAL PAYOUT

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Many people have experienced different levels of success with Virtual Financial Group, however individual experiences may vary. This does not intend to, nor does it represent that any current member’s individual results are representative of what all participants achieve when following the VFG system. Membership in World Financial Group is required. Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools. Commission amount may vary based on product type and size of purchase.

This example is based on a leading Indexed Universal Life Insurance Policy and Term insurance Policy with a $3,663.66 gross commission payout. This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or will be achieved. Income is earned from the sales of World Financial Group authorized products and services. No income is earned from recruiting. See the current World Financial Group Field Manual for compensation percentages on all diversified product lines. All compensation plans subject to change. Promotional criteria/designations are determined and offered by or through Virtual Financial Group (VFG). Personal percentages earned on products may vary based on promotional level with VFG. As of Sept. 1, 2013 Virtual Financial Group Field Manager contract level of 35.6%, Senior Vice President contract level of 64%, Senior Vice President override level of 28.4%.

Associates of World Financial Group and Virtual Financial Group are independent contractors, regardless of field title/designation.

Virtual Financials Powerful Compensation Plan offers you the potential to generate an

incredible income stream for your family.

PER MONTH PER YEAR

Field Manager Invites one family $833.48 $10,001.79

Field Manager Invites four families $3,333.92 $40,007.16

Senior Vice PresidentLeads four Field Manager teams all helping four families/month

$17,441.57 $209,298.82

Senior Vice PresidentLeads four Field Manager Teams all helping four families/month and personally closes all the sales as the Consultant for his teams

$30,777.29 $369,327.51

10 Live Webinars Weekly31

VFG Virtual Lobby

The Ultimate Home Offices38

• 75 percent of all insurance purchases will be online by 2020.

Google concludes that insurance is among the top five product categories in which the web is the dominant purchasing channel in addition to travel, digital media, ticket purchases and books magazines.

Common for the first four product categories is that the traditional sales channels have long been redundant as a result of digital disruption.

The same report predicts that 75 percent of all insurance purchases will be online by 2020.

History shows that it requires a "new mindset" when an industry is exposed to disruptive innovation.

For the insurance industry this poses a number of challenges at a time when much of the focus and resources are tied up in compliance with the regulatory requirements.

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• Evolution occurs when a mutation benefits the organism, propagates to the next generation and ultimately alters the species. Likewise, civilization advances when unique individuals that think and act differently shatter the status quo and change how we do things.

• The mechanism is the same. That’s how we evolve. That’s how our society evolves. It’s also how business evolves. Just as mutations alter our DNA and powerful leaders change our culture, exceptional individuals come up with breakthrough ideas that dramatically alter the competitive landscape.

• Looking back, we can certainly identify true entrepreneurs and innovators that killed the competition, disrupted markets, and changed the way we live. But when their great work was still just work-in-progress, these remarkable individuals were more or less indistinguishable from you and me, except for two things.

• First, they tend to be extremely passionate about their work. Whatever problem they’re driven to solve, they tend to latch on like a pit bull and they won’t let go until the work is done. Never mind the odds, the risks, or the hurdles that stand in their way.

• Second, they think and act differently. They have no interest in how things are done, except to question why it has to be that way. They don’t follow the crowd; they carve their own path. And they pay no attention to common dogma. They could care less what anyone else thinks or does.

• That’s what sets real entrepreneurs and innovators apart.• Nowadays everyone talks and tweets about entrepreneurship and changing the world. The irony is that few

actually do it, and for two simple reasons: they’re not that driven and they don’t think or act differently.

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Generations Y, Z Set Tone for Life Insurance Distribution Innovation

We are dealing with a new life insurance customer, unlike any before, and differentiation and "survivability" in the future will be linked directly to the use of innovative technologies that simplify, streamline, and improve the user and buyer experience.

Our industry has come a long way during the past five years, but the pace at which technology is being deployed and adopted in insurance lags behind that of other industries. Generation Y, the largest cohort since the Baby Boomers, is extremely sophisticated, technology-wise, and immune to traditional marketing and sales pitches. What worked with earlier generations of customers won't work with them. Generation Z is even more media-, computer-, and Internet-savvy. Are any of these potential customers going to embrace paper-based processing and signing applications across the kitchen table? The platform of the future will deliver everything needed to market, sell and process life products (as well as annuities) and be accessible via a single sign-on. It will minimize the keying of data, leverage reuse throughout the entire buying experience, and feed both legacy and emerging back-office systems, ensuring data integrity. We are well on our way as an industry, but even the best of innovative solutions will fall short of goal in the absence of industry commitment to leverage the benefits of technology.

Tim Wallace CEO of iPipeline // March 22, 2014

Virtual Financials Top 20 Advantages

More Money: 126% on Term w/ 5.85% Renewals paid out to the field & 125% on IUL w/ 3.42% Renewals paid out to the field.

Faster Pay: Advances Commission on Submission 40% & 40% on Issue total 80% Paid twice weekly

Huge Overrides: 36% Paid out in overrides 17% on 1st, 8% on 2nd, 5% on 3rd, 3% on 4th, 2% on 5th & 1% on 6th (No Co-Leaderships) more money with a team half the size!

Visionary Leadership Team: w/ Amazing Track record of success over 1 Billion in premium Rich Thawley

Virtual Financials Top 20 Advantages World Class Business Platform: 300 Employees,

Experienced Operations, Contracting, Marketing & Compliance Departments

20 million Dollar Compass computer system runs & tracks your entire business online up to the minute

Proprietary Financial Needs Analysis "FNA" Software for Powerful Client Proposals

Enterprise CRM System: with Tier 1-4 Virtual Manager Built in, ties directly to Google Calendar, Android & iphone

Online Marketing System: with a simple step by step system to use and generate leads

Virtual Financials Top 20 Advantages Multiple Landing Pages for both sales & recruiting with

powerful analytics Proven prospecting Tools & Resources: e-mail

templates and ads, custom drip emails campaigns Co-op Advertising

Secrets of Social Media & Online Marketing: Free ways to drive lots of high quality traffic to your landing pages and marketing System

Virtual 50 State Business System: expands your market to 200+ Million in all 50 states for recruiting & sales

12 Live Nationwide Weekly Webinar Broadcasts, w/ Training, Recognition, Guest Speakers & Q & A + 24/7/365 Virtual Training Library

Virtual Financials Top 20 Advantages Saves Money & Time: No Office Expense, No Meetings, No

Driving, No Wasted Time & Money, No Appointments, No Dressing Up

VFG Tier System ‘Assembly Line” allows reps to be online marketers & refer all sales & even recruiting to seasoned pros

Cutting Egde Virtual Back office Tools & Resources to Run & Track all your business

Strong Product Portfolio: Transamerica, Nationwide, Pacific Life, ING, WRL, Prudential, Allianz, 100+ Carriers Transamerica Term Product with Living Benefits w E-APP

Liberal appointment process allows more reps to get appointed

Strength of Transamerica Companies as a solid Foundation for your Success

This New VFG Graphic is only some of our competitive advantages:

In Addition to the Graphic VFG Offers:

Our Proprietary 18 Page Financial Needs Analysis

We can get many agents with Credit Challenges Appointed

Our New Reps can get E& O at $0 net cost

Our 3 Business Ownership Programs

Our Home Office Currently Pays Out Over $1,000,000 Daily in Commissions

Transamerica is owned by Aegon a Dutch Global 400 Billion Dollar Financial Powerhouse

Our entire system is only $19.95 monthly vs $754 monthly (emoney $324 monthly, Infusionsoft $379 monthly & E & O $50 monthly) 8. And much much more!!

121 Advantages of Virtual Strength of Transamerica

Companies as a foundation for your business

Number of Carriers in your system with your comp grid 100+

Total Payout to the Field 118%-126%*

Up to 82% on Personal Production

Renewals 5.85% Term years 2-10 3.42% on IUL Yrs 2-10*

36% Overrides Paid out to the Field through 6 levels*

1st Level 17%

2nd Level 8%

3rd Level 5%

4th Level 3%

5th Level 2%

6th Level 1%

Company Advance Total 100%

Advance on Submission 40%

Advance on Issue 60%

2 Pay cycles per week

Live and work where ever you want

Save on Car Wear & Tear

Watch Webinars Live or Recorded

Stay Connected to VFG when you travel

Can do appointments all hours late & early

You can work in 6 Time Zones

You can do 3x more appointments in 1 day

More convenient for clients to meet online instead of in home or office

Living Benefits with Transamerica

Virtual System that allows your Market to be 300 million in USA

Virtual Lead Generation Marketing System w/ Analytics (no set up fee) 19.95 mo

Virtual Enterprise CRM Custom designed for VFG (included)

2 Replicated Websites Recruiting & Sales (included)

5 Landing Pages & Video Tour site with Drip email Campaigns

20 Million dollar Compass Computer system for all your business analytics

Track Record & Character of your Leadership with Rich Thawley

300+ Employees at your home office to support you & your growth

Tier System allows you to Recruit Internet Marketers & Home Based Business prospects all across USA

More time for your Priorities Family, Health & Spiritual

You can Eat Healthier

More time for Exercise

Travel Time saved

Flexible hours

Gas Savings

Wear Casual Clothing

Save on cost of Business Clothing/Shoes/Dry Cleaning

System to Delegate Recruiting & Sales to Professionals

Liberal appointment process with our carriers

No Boss or "Big Brother" watching over

No Coffee break time wasted

No Co-workers to interrupt you or waste your time

Not Effected by Bad Weather

No Risk of Driving Accidents

Low Cost E & O

Tax Advantages of a Home Office

Social Media Campaigns Facebook, Linked In Google + Twitter Youtube Vesting of commissions** You can sell your code #** Designate a beneficiary for your income Facebook Page App/ Like Gate Lead Tools Executive on Staff for Social Media Proprietary Financial Needs Analysis Software Google Hangouts Weekly Connect on your smart phone Save on Postage expense No Cost for literature & brochures No Securities License No Co-leaderships (Keep all the overrides) No Regular Hotel Event expenses No Office Lease to sign No Overhead No Office Rent No Office Liability Insurance No Office Admin expense No File Cabinets No Office Phone Bill No Office furniture expense No Office Politics No Quotas No Territories No Time-clock No Cold Calling

24/7/365 Business Access

Canada Expansion 2014

Compliance Department

Advertising Marketing Department

Legal Department

Social Media Campaigns

E-mail templates

24/7/365 4 Min & 20 Min Overview Videos

24/7/365 Fast Start School

24/7/365 Tier Roll Play Training Videos

Very Low Liability

VFG Staff, Marketing System Staff, CRM System Staff, Facebook App Staff

Better Suited for Spouse/Family involvement in business

Be home to have dinner with your family

Be home to check and help with home work

Be Happier

Be Healthier

Be More Productive

VS Traditional Franchise or Business

No Franchise Fee or Large Investment Upfront

No Building Lease to Sign

No Lease to Pay For

No Liability Ins

No Health Insurance Requirement

No Minimum Wage Issues

No Office

Non Captive

No FICA (Federal Tax)

No Employees

No Payroll or Payroll taxes

No Bookkeeping or Accounting Necessary

No Sales Taxes

No Trash, Sewer & Water Bill

No Inventory

No Parking Problems

Low Start Up cost Under $3-400

No or Low Advertising Expense

VS Traditional Network Marketing or Home Based Business

No Lotions or Potions

No Auto-Ship

No Binary/Matrix or BS Comp plan

No Product that can be sold at Costco for 1/3 the price

Rep can make a living in Sales, Recruiting is Not Required to earn a living

*Comp Transamerica Term LB & WRL I

UL **At Certain Promotion Designations

For Training and Educational Purposes only -Not for Distribution to the Public

The Virtual Advantage

This presentation is for recruiting purposes only.

Virtual Financial is a financial services marketing company that is associated with World Financial Group, Inc. (WFG) A Transamerica Company. WFG 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.(WFGIA), 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. WFG and WFGIA are affiliated companies. Virtual Financial Group Headquarters: 826 Orange Ave, Coronado

CA 92118. Phone 619-663-6607. VirtualFinancialGroup.com. WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517. Phone: 770.453.9300. WorldFinancialGroup.com

Virtual Financial Corporate Overview " The Lifestyle Company"

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Transcript of Virtual Financial Corporate Overview " The Lifestyle Company"