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Self-starters needed to sell Life Insurance, and Retirement Plans. Complete training provided. We will show you how to get your insurance license in 2 weeks or less. We will train you how to sell Life Insurance, and Retirement Policies while we support you for a lifetime of earning. We will show you how to increase your business by building a team. This is Truly the “Opportunity of a Life Time”!!! Unlimited Income potential! Call James D Jones @ 301 829 3331.
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1
JCHT Team 2010
First Financial Security
This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.
• Insurance Broker Company
• Represented the Top and Largest
Insurance Companies in 50 States
• Headquarter in Norcross, GA
• Licensed in 50 States
• Specialized in Indexed Products
Use for recruiting purposes only.
Indexed Products
Safety of
Principal
Fixed
Products
1% to 3%
Risk of
Principal
Equity
Products
Upside
Potential
Indexed
Products
4
$150,000
$140,000
$130,000
$120,000
$100,000
$160,000
$170,000
$90,000
$110,000
$100,000 Invested in 1997
Indexed AccountLarge Company Stocks
This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services.Use for recruiting purposes only.
The above graph is for recruiting
purposes only and does not reflect any
particular product or investment. Index
Account assumes annual point to point
with a 7% cap. Large company stock
numbers provided by Yahoo Finance and
calculated by FFS. Results may vary.
Secret #1Never Lose Money
8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009
$149,937
$126,925
$139,237
$95,529
$115,449
$117,435
$129,330
$152,488
$133,977
$103,775
$134,631
$105,012
$114,490
$122,504 $122,504
$140,255
$155,476
$166,359
$150,073
$131,080
$107,000
$166,359
Protection & PotentialMany people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both.
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Compound Interest-The Rule of 72Simply divide the number 72 by your expected rate of return to determine the number of years it will take your money to double.
65 $640,000
59 $320,000
53 $160,00065 $160,000
47 $80,00056 $80,00065 $80,000
41 $40,00047 $40,00053 $40,000
35 $20,00038 $20,00041 $20,000
29 $10,00029 $10,00029 $10,000
Money doubles every 6 yearsMoney doubles every 9 yearsMoney doubles every 12 years
Age 12%Age 8%Age 6%
65 $40,000
47 $20,000
29 $10,000
Money doubles every 18 years
Age 4%
“The most powerful force in the universe is compound interest.” 1
- Albert Einstein
"The person that understands compound interest will earn it. The person that does not will pay it!“ 2
- Albert Einstein
1 richnow.wordpress.com Secrets of the rich revealed, Don’t ignore The power of Compound Interest, Dec.6, 20062
Ibeatmybank.com/see_how_it_s_done.html
Secret #2Compound Interest
Secret #3Tax Advantages
Pay taxes on the seed?
Pay taxes on the harvest?
Tax
Deferred
Accumulation
Tax
Free
Distribution
Tax
Deductible
Contribution
Which would you choose?
You can only get two of the three!
FFS nor any of its associates offer tax advice. Please consult with your tax
professional. Use for recruiting purposes only.
Maximize Your Tax Advantages
Secret #3Tax Advantages
•Term Life–10/20/30 years
–Temporary
–No Cash Value
•Whole Life–Permanent
–Pay until age 100
–Fixed Interest Rate for Cash Value
• 2-4%
•Universal Life–Permanent
–Add Riders with
Extra Premium
–Fixed Interest Rate forCash Value
• 2-4%
•Variable Life–Variable Interest Rate
• Depend on Stock Market
Different Typesof Life Insurance Policies
• Life Insurance–Flexible Premium
–Adjustable on Benefits
–Permanent
–Tax-free death benefit
• Access to Death Benefit in case of illness:
–Terminal Illness
–Chronic Illness
–Critical Illness
–Tax-free benefits
• Cash Value - Index–Upside Potential
Cap 12- 15%
–Downside Protection
Min 1-3%
–Tax-deferred
–Tax-free distribution
• Potential Income–Lifetime Income
–Tax-free Income
Life Insurance “You don’t have to die to use”
Retirement DisabilityLife
Insurance
Accelerated Living
Benefits
$200 $200 $200 $200 = $800+ + +
Rejected!
Can You Afford The Individual Policy?
Missed Fortune Video
Douglas Andrew
Index Universal LifeIs The Best Vehicle for Saving
MSNBC News
•Add 10% Premium Bonus on all 1st year premiums
•Contract Value
– Upside Gain Potential (cap 30%)
– No Downside Risk
• Income Account Value
– Guaranteed 8% for the next 20 years
– Guaranteed Lifetime Income Benefit Rider
Indexed Annuity
Indexed AnnuityNews
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Business OwnerRetirement Program
G1
LOAN
CORPORATEENTITY
TRANSFER
PRODUCT
COLLATERALASSIGNMENT
CLIENT
• We fund the money as a Business Loan
• The owners select the investment product to invest their loan
–Indexed Annuity
–Owners will earn the compound interest
• The Business Loan – Pay simple interest from Business Check Book
–Tax write-off as a business expense
–10, 15, or 20 years or renewable for longer periods
• No personal guaranty is required
• This program starts as $100,000 loan
• Business starts at least 2 -5 yrs
Business OwnerRetirement Program
Employee Benefits Program
• No Cost to Employers
• Contract is individually owned by Employees
Employees can continue to fund the
contract(s) if employees terminate
employment
• Contribution Premiums
Are made after-tax
Are made via payroll deduction
Grow tax-deferred
• Distributions are tax-free
Roth IRA
Indexed
Annuity
401k
IRS ApprovedYES YES
Contributions/
PremiumsAfter Tax Before Tax
Tax DeferredYES YES
Guaranteed
PrincipleYES NO
Guaranteed
EarningsYES NO
Tax FREE
DistributionsYES NO
Employee OwnedYES NO
Lifetime Income YES NO
Indexed
Universal
Life
Group
Term
Premium PaymentsEMPLOYEE EMPLOYER
Flexible PaymentsYES NO
Employee OwnedYES NO
Permanent LifeYES NO
Earned Cash ValueYES NO
Guaranteed
PrincipleYES N/A
Guaranteed
EarningsYES N/A
Tax FREE
DistributionsYES N/A
Lifetime IncomeYES N/A
Employee Benefits Program
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FFS offers you a risk-free opportunity to
build a business of your own with…
• No Major Investment
• No Franchise Fees
• No Loss of Job Security
• No Experience Required
This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.
Lifestyle Change
• No Inventory
• Unlimited Territory
• Unlimited Opportunity
The FFS opportunity is for everyone:
• Part-time Second Income Earner• Personal Producer• Business Builder
Be in business for yourself not by yourself.
GENERATIONAL OVERRIDES are earned once you become an RMD or higher and are based on what “generation” a leader is to you. For example, an RMD who personally reports to you would be a 1st Generation and an RMD who reports to him/her would be a 2nd Generation to you and so on. Generational Overrides are paid in addition to infinity overrides.
All FFS Compensation plans and Promotion Standards are subject to change without notice. Commissions based on gross field payout. To ensure quality growth throughout our organization, all RMDs must validate for their position by maintaining the minimum leader legs and production points required for that promotion level. The validation period for RMDs and up is a rolling 12 month period.No more than 1/3 of promotion point credit can come from any one leg’s production. A recruit leg counts if they have joined FFS, holds a valid insurance license in their resident state, and becomes appointed with FFS preferred companies. Production requirements are Super Team RMD Base thru 6th Generation closed points AV.FFS pays 100% of gross commissions on all products to the field.FFS is a financial services company marketing various insurance products throughout the U.S. To represent or earn a commission from FFS, you must be properly licensed and appointed in your state. The examples in the brochure are for recruiting purposes only and are not a solicitation of any product.
**See current Company Override Pool, Diamond Club Pool, and SEFC Bonus Pool guidelines for complete details.
RevolutionaryCompensation
27
All FFS Compensation plans and Promotion Standards are subject to change without notice. Commissions based on gross field payout. To ensure quality growth throughout our organization, all RMDs must validate for their position by maintaining the minimum leader legs and production points required for that promotion level. The validation period for RMDs and up is a rolling 12 month period.No more than 1/3 of promotion point credit can come from any one leg’s production. A recruit leg counts if they have joined FFS, holds a valid insurance license in their resident state, and becomes appointed with FFS preferred companies. Production requirements are Super Team RMD Base thru 6th Generation closed points AV.FFS pays 100% of gross commissions on all products to the field.FFS is a financial services company marketing various insurance products throughout the U.S. To represent or earn a commission from FFS, you must be properly licensed and appointed in your state. The examples in the brochure are for recruiting purposes only and are not a solicitation of any product.
**See current Company Override Pool, Diamond Club Pool, and SEFC Bonus Pool guidelines for complete details.
RevolutionaryCompensation
Let’s Show The Money
How Much Do You Want to Make?
• Join FFS - $125 one time membership fee
• Pre-Licensing Class– Fees: $160 (including training book & CDs)
– 2 days class (8 hours/per day in VA & MD)
• Life & Annuity Exam– Fees: $58 (VA), $70 (MD)
• Life License– Fees: $15 (VA), $59(MD)
– 2 years renewal
• Criminal Record Check– Fees: $15 (VA)
• Purchase E&O Insurance (when you write on applications)
• Anti-Money Laundering for Insurance Producers– Online Course
– Cost: Free
• Appointed with FFS and Insurance Companies by:– Login: www.FirstFinancialSecurity.com
Get Started Now!
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