Your Digital Marketing Organization

Insurance Investments Legacy

My Role in

this Organization

Al Castellanos - CFP®

Executive Marketing Director

Certified Financial Planner ™

Master of Science Financial Planning

Master of Science Financial Analysis

Master Planer Advance Studies™

Insurance products are offered through Premier Insurance Contracts, Inc.(Prinsuco).

Wealth Management Solutions, Inc. (WMS) is a Financial Marketing

Organization ( FMO) whose affiliates offer life insurance and a broad array of

financial products and services.

The American Institute of Financial Education, Inc. (AINFE) offers educational

courses, books, certifications and designations to clients and members

of the PIC group of companies and affiliates.

Cash Back Universe, Inc is the cash funds provider for individuals and households

to get them started in the financial planning process.

➢ Integrity

➢Objective Advice

➢Competence

➢Fair Treatment

➢Privacy

➢Professionalism

➢Diligence

Standards of

Professional Conduct

To provide properly selected insurance

products and services of superior quality,

to educate and add value, in order to

maximize capital accumulation and

optimize financial realization. Watch video

MISSION

Term Insurance, Final Expenses,

UL, IUL and Annuities

Group 1 General Lines Life & Health

- ACA & Medicare Advantage

Preferred Providers & Carriers

Industry Ratings

The T.R.O.T.®

Financial

Planning SystemWe do financial planning by applying our proprietary T.R.O.T.

®

Financial Planning System

T Taxes

R Risk & Return

O Ownership

T Time

Total Financial Governance®

Who makes money with

an insurance license?

$$$ $$$ $$$ $$$ $

$

$$$$

$$$$$$$$

$$$$$$

Make money by redefining

your business!

➢ What about making money selling many different

products.

➢ Do this by becoming first and insurance planner,

and then a heuristic financial planner.

➢ Cross sell multiple products over time by redefining

the scope and realm of the relationship.

➢ Your client many times your client!!!

What is Deterministic?

Agent Product Client

Agent Client

Product 1

Product 2

Product 3

Product 4

Information

Information

Product

VS

Relationship

The WMS Journey

Human Capital Enhancer

Heuristic Financial Planner

Insurance Planner

T.O.S - Transaction Oriented Salesperson

Academic Development

➢ Level 1 : Insurance Agent

➢ Level 2:

➢ Level 3:

Internet Marketing for Insurance Agents

➢ Internet Marketing for Insurance Agents

➢ 1.0 The Personal Financial Website

Tools and Techniques

for Financial Planners

➢ The most powerful financial software in the industry.

➢ Designed to transform your client relationships.

➢ Creates a unique and engaging experience.

➢ Empower clients to take a more active role in the

management of their wealth.

Internet Marketing for Insurance Agents

➢ Internet Marketing for Insurance Agents

➢ 1.0 The Personal Financial Website

➢ First checking account back in 1681

➢ PFW – your checking account in 2018

➢ 2.0 Financial Supermarket Portal

➢ 3.0 Wemasol Facebook Page

➢ 4.0 Cashback Universe

Internet Marketing for Insurance Agents

➢ Internet Marketing for Insurance Agents

➢ 2.0 Financial Supermarket Portal

➢ Your virtual shop

➢ 3.0 Wemasol Facebook Page

➢ 4.0 Cashback Universe

Tools and Techniques

for Financial Planners

➢ Get your own financial supermarket

portal.

➢ Consolidate your income by

working on the relationship and not

on products.

➢ Build long term relationships with

your clients by selling multiple

financial products.

The Financial Supermarket Portal

The Extended Business Card

Internet Marketing for Insurance Agents

➢ Internet Marketing for Insurance Agents

➢ 3.0 Wemasol Facebook Page

➢ 70 % Content

➢ 20 % Personal Engagement

➢ 10 % Promotion

Your Wemasol Facebook Page

➢ You are going to sell products via your Facebook page.

➢ You need many “likes”.

➢ Promote your brand @yournamewemasol.

➢ Directly aligned with activity management.

Your Wemasol Facebook Page

Managing your Facebook business page:

➢ Updating it everyday with a post that pushes your goods or

services.

➢ Use Facebook to make announcements.

➢ Provide value to your customers.

➢ Connect with individuals who are interested in your

business and what you have to say.

➢ Ultimate objective is to grow your business.

Your Wemasol Facebook Page

Internet Marketing for Insurance Agents

➢ Internet Marketing for Insurance Agents

➢ 4.0 Cashback Universe

➢ Financial Planning with a Purpose

➢ Financial Planning for All

Cashback Universe

Our Main Affiliate Partners

Activity Management Tools

Activity Management Tools

The Strategy

Strategy

➢ We use mandatory products to get

relationship started.

➢ We also use Cashback Universe®

products to get relationship started.

➢ Accumulate many clients.

➢ Then proceed to heuristic financial

planning and selling other products.

ACA and Medicare Advantage

WMS Marketing Strategies

➢ Cashback Universe®

➢ Retirement Transition Window

➢ Obamacare

➢ Retail Marketing

➢ Total Financial Governance®

➢ The agent/Agency Model- Recruiting

WMS Lead Programs

➢ Lists

➢ Mailing Campaigns

➢ Telemarketing Campaigns

➢ Virtual Marketing

➢ Financial Planning Workshops

➢ Retail Marketing

Compensation Model

The Producer/Agency Hybrid

Producer Commissions

Agency Leadership Overrides

Agency Commission Levels

LevelCommissions Percentage

Accumulated Production

Associate _ $ 0

Agent 60 % $ 25,000

Marketing Director 70 % $ 50,000

Senior Marketing Director 75 % $ 75,000

National Marketing Director 80 % $ 100,000

Executive Marketing Director 90 %

$ 100/Month

Production : $ 100 * 12 = $ 1,200

Commission : $ 1,200 * 60 % = $ 720

• 4 @ $ 100/Month

• $ 720 * 4 = $ 2,880/ Month

Level Commission percentage

Agent 60 %

Producer Commissions

Life Insurance

$ 423

Production : 4 “Age In” Enrollments/month

Commission :

• 4 @ $ 423

• $ 423 * 4 = $ 1,692/ Month

Level Compensation “Age In”

Agent $ 423

Producer Commissions

Medicare Advantage

Average Policy 1.4 Members

Production : 50 ACA Enrollments during AEP

Commission :

• $ 16.68 PMPM * 1.4 = $ 24

• $ 24 * 50 = $ 1,200/ Month

Level Commission

Agent $16.88 PMPM

Producer Commissions

Affordable Care Act

Average Policy or product variates depending on advertiser

Referrals commissions go from $ 10 to $ 400

Commission ( expected) :

• $ 500/ Month

Level Commission

Associate Varies

Producer Commissions

Wealth Management Portal

Income from Life Insurance : $ 2,880 / Month

Income from Medicare Adv. : $ 1,692 / Month

Income from ACA : $ 1,200 / Month

Income from WMP : $ 500 / Month

• Total Income for Producer after 1 Year :

• $ 6,272 / Month $ 75,000 / Year

Level Commission

Agent Street Level

Producer Commissions

$ 100 / Month

Production : $ 100 * 12 = $ 1,200

Commission : $ 1,200 * 90 % = $1,080

• 4 @ $ 100 / Month

• $ 1,080* 4 = $ 4,320 / Month

Level Commissions Percentage

Executive MD 90 %

EMD Commissions

Agency Leadership Overrides

Life Insurance

Level

Agent 60 %

Marketing Director 70 %

Senior Marketing

Director 75 %

National Marketing

Director 80 %

Executive Marketing

Director 90 %

30 %

20 %

15 %

Agency Override

10 %

Leadership Compensation

Hierarchy LevelCommission

Level

Production

Level

Monetary

Compensation

SVP

Commission

Override

SVP

Monetary

Compensation

Agent 60 % $ 25,000 $ 15,000 30 % $ 7,500

Marketing

Director70 % $ 25,000 $ 17,500 20 % $ 5,000

Senior

Marketing

Director

75 % $ 25,000 $ 18,750 15 % $3,750

National

Marketing

Director

80 % $ 25,000 $20,000 10 % $ 2,500

Executive

Marketing

Director90 % $ 71,250 0 % $ 18,750

Leadership Overrides

Medicare Advantage

LevelNumber of Agents Override

Agent 0 - 5 N/A

Marketing Director 6 – 25

(500 apps)$ 25 - $ 50

Sr. Marketing Director 26 +

(1,500 apps)$ 50 - $ 100

Income from Life Insurance : $ 4,320/ Month

Income from Medicare Adv. : $ 1,692/ Month

Income from ACA : $ 1,200/ Month

Total overrides of $ 7,700/Month

Total Income = $ 7,212 + $ 7,700 = $ 14,912/Month

Level Commission

Executive MD 90 %

Executive M.D.

With 5 agent team

$ 7,212/Month

Team of 5 agents producing $4,800 L.I and selling 4 MA polices per month:

$ 4,800 * 0.30 % = $ 1,440 * 5 = $ 7,200 L.I. Override

$ 25 * 4 * 5 agents = $ 500 M.A. Override

The Personal Opportunity

➢ Be your own boss

➢ Develop academically and professionally

➢ Implement the T.R.O.T.® system in your personal life

➢ Learn how to earn Cashback in every financial transaction

➢ Progress into LEADERSHIP

➢ Plan and work toward lifetime relationships and renewals

➢ Leave a legacy to your loved ones

The Prinsuco

Business Opportunity

➢ Opportunity to start your own business

➢ Get into virtual sales of financial products

➢ Minimum initial investment

➢ Good income potential

➢ Do not need to leave your present job

➢ Do not need previous experience

➢ Just need to establish a commitment to succeed

At the end of the day…..

Questions ?