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ARE YOU READY TO GET STARTED?ARE YOU READY TO GET STARTED?

The Assurance Group

WANTS YOU ON OUR

MANAGEMENT TEAM!

The Assurance Group

WANTS YOU ON OUR

MANAGEMENT TEAM!

$411,939 $297,027 $294,026 $253,250 $251,580

$411,939 $297,027 $294,026 $253,250 $251,580

$231,378 $215,679 $188,805 $183,813 $182,169

$231,378 $215,679 $188,805 $183,813 $182,169

What Would the “Perfect Company”

Have to Offer?

Income OpportunitiesIncome Opportunities

Passive IncomePassive Income

Financial StrengthFinancial StrengthIntegrityIntegrity

Advancement OpportunitiesAdvancement Opportunities

IncentivesIncentives

TrainingTraining

Flexible MarketsFlexible Markets

Defining The Assurance Group Defining The Assurance Group

• Founded in 1988 by an ambitious young entrepreneur

• National Leader in the Senior Marketplace

• Licensed to operate in all 50 states

• Production totals of over $2 billion in carrier revenue

• Full Service ‘One Stop’ insurance shop with 7 market divisions to meet everyone’s insurance needs.

• Founded in 1988 by an ambitious young entrepreneur

• National Leader in the Senior Marketplace

• Licensed to operate in all 50 states

• Production totals of over $2 billion in carrier revenue

• Full Service ‘One Stop’ insurance shop with 7 market divisions to meet everyone’s insurance needs.

Market leader & innovatorMarket leader & innovator

Serving over 600,000 customers

Serving over 600,000 customers

Defining Liberty NationalDefining Liberty National

• A+ (Superior) from A.M. Best Company (as of 6/08).

• AA- “Very Strong” by Standard & Poor’s (as of 12/08).

• A1 by Moody’s (as of 1/09).

• AA “Very Strong” Insurer’s Financial Strength Rating from Fitch (as of 6/08).

• A+ (Superior) from A.M. Best Company (as of 6/08).

• AA- “Very Strong” by Standard & Poor’s (as of 12/08).

• A1 by Moody’s (as of 1/09).

• AA “Very Strong” Insurer’s Financial Strength Rating from Fitch (as of 6/08).

StabilityStability

Customers expect their insurance company to be there when they need them.

Customers expect their insurance company to be there when they need them.

2008 Liberty National Performance Record*

Total Policies In Force 4,154,825

Total Claim Transactions 180,568

Policies Issued 192,583

Customer Calls Serviced 469,283

Customer Calls Answered (within 20 Seconds) 90%

Turnaround Times (in Calendar Days):

Life Claims 10.43

Health Claims 8.33

All Policies Issued 6.5

* Based on Company statistics.

Defining Liberty NationalDefining Liberty NationalServiceService

Why Insurance Sales?Why Insurance Sales?

Why would insurance be one of the highest paid sales professions?

Most people would respond …

“Everybody needs it”

Actually, it’s not just because of need.

Why would insurance be one of the highest paid sales professions?

Most people would respond …

“Everybody needs it”

Actually, it’s not just because of need.

And it’s Not “Just” Insurance Sales...And it’s Not “Just” Insurance Sales...

The big difference – Passive Income!• Insurance agents are paid each WEEK for

referrals to our other divisions – In addition to regular weekly earnings!!!

• Over 46 Million people do not have Health Insurance…

• How many of those same people would like lower car insurance rates? Or homeowner’s insurance??

The big difference – Passive Income!• Insurance agents are paid each WEEK for

referrals to our other divisions – In addition to regular weekly earnings!!!

• Over 46 Million people do not have Health Insurance…

• How many of those same people would like lower car insurance rates? Or homeowner’s insurance??

Why Insurance Sales?Why Insurance Sales?

At The Assurance Group –

• Agents are trained in the field and classroom to help ensure ongoing success

• Earn weekly pay

• Passive Income

• Can earn thousands of dollars each month before other new sales ever occur

• Expansion / Opening New Markets Nationwide

At The Assurance Group –

• Agents are trained in the field and classroom to help ensure ongoing success

• Earn weekly pay

• Passive Income

• Can earn thousands of dollars each month before other new sales ever occur

• Expansion / Opening New Markets Nationwide

What is important to you?What is important to you?

OpportunityOpportunity

What is Important to You?What is Important to You?

• Strong Earning Potential

• Financial Stability of Company

• Broad Product Range/Flexible Markets

• Support/Training

• Earn According to Your Efforts

• Passive Income

• Advancement

• Incentives

• Strong Earning Potential

• Financial Stability of Company

• Broad Product Range/Flexible Markets

• Support/Training

• Earn According to Your Efforts

• Passive Income

• Advancement

• Incentives

TrainingTraining

Education Opportunities

• Live, individualized training - both field and classroom

• Internet Training and Testing, 24/7

• Home Office sponsored Training Seminars

• Audio-visual aids

• Management assistance and advice

• Web Portal Resource Center

Education Opportunities

• Live, individualized training - both field and classroom

• Internet Training and Testing, 24/7

• Home Office sponsored Training Seminars

• Audio-visual aids

• Management assistance and advice

• Web Portal Resource Center

IF $100,000 PER YEAR JOBS WERE EASY…..IF $100,000 PER YEAR JOBS WERE EASY…..

EVERYBODY WOULD HAVE ONE!

WORK THE BUSINESS MODEL!

EVERYBODY WOULD HAVE ONE!

WORK THE BUSINESS MODEL!

Whole LifeWhole Life

PAY EXAMPLE

• $38 Monthly Premium

• = $422 Annual Premium

• x 43% Commission

• x 40% Bonus – 4th Week

= $351.00 PAY!

PAY EXAMPLE

• $38 Monthly Premium

• = $422 Annual Premium

• x 43% Commission

• x 40% Bonus – 4th Week

= $351.00 PAY!Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

The Business Model That Works!The Business Model That Works!

240 Contacts x 10% = 24 Appointments per Week

5 sales per week x $351 = $1,755

$1,755 x 52 weeks = $91,260

WILL YOU DO WHAT IT TAKES?

240 Contacts x 10% = 24 Appointments per Week

5 sales per week x $351 = $1,755

$1,755 x 52 weeks = $91,260

WILL YOU DO WHAT IT TAKES?

Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

Income (Whole Life): 4 apps per weekIncome (Whole Life): 4 apps per week

Monthly Premium per

Sale

1st Year Income Net 4 apps per Week

Production Bonus

Total Income

$27.00 $40,560 $24,96010% / 20% / 30% / 40% $65,520

$50.00 $75,111 $46,22210% / 20% / 30% / 40% $121,333

$72.00 $108,160 $66,56010% / 20% / 30% / 40% $174,720

ARE YOU READY TO GET STARTED?ARE YOU READY TO GET STARTED?

THE ASSURANCE GROUP

WANTS YOU ON OUR

MANAGEMENT TEAM!

THE ASSURANCE GROUP

WANTS YOU ON OUR

MANAGEMENT TEAM!

YOU ARE HERE TO BECOME MANAGERS!!YOU ARE HERE TO BECOME MANAGERS!!

At The Assurance Group theAGENCY DIRECTOR

POSITION IS

“THE GROWTH POSITION”

At The Assurance Group theAGENCY DIRECTOR

POSITION IS

“THE GROWTH POSITION”

ASSUME A New AGENT SELLS FIVE $38 POLICIES IN ONE WEEK AND that the agent is at the 40% Bonus Level Weekly (4 weeks in)

ASSUME A New AGENT SELLS FIVE $38 POLICIES IN ONE WEEK AND that the agent is at the 40% Bonus Level Weekly (4 weeks in)

Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

AGENCY DIRECTOR PAY EXAMPLEAGENCY DIRECTOR PAY EXAMPLE

5 Sales x $38 = $190 divided by .09 (discount factor)

= $2,111 AP sold by that agent this week …

Commission PaymentOverride of 10% for AGENCY DIRECTOR (assuming Agent onboard 6 months or less)

$2,111 AP x 10% = $211.11FROM THAT ONE AGENT!!!

REMEMBER - The Agent was at the 40% Bonus Level … The Agent is paid 40% of the $2,111 or $844.40…

5 Sales x $38 = $190 divided by .09 (discount factor)

= $2,111 AP sold by that agent this week …

Commission PaymentOverride of 10% for AGENCY DIRECTOR (assuming Agent onboard 6 months or less)

$2,111 AP x 10% = $211.11FROM THAT ONE AGENT!!!

REMEMBER - The Agent was at the 40% Bonus Level … The Agent is paid 40% of the $2,111 or $844.40…

AGENCY DIRECTOR PAY EXAMPLEAGENCY DIRECTOR PAY EXAMPLE

Assuming $50,000 policy purchased on Bank Budget, Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

Bonus PaymentAgency Director Will Get:

A WEEKLY PRODUCTION BONUS of 25% (assuming Agent has been contracted 13 weeks or less)

of whatever the agents Bonus is.

So …

$844.40 Agent bonus x 25% =

$211.00 ADDITIONAL PAY!

Bonus PaymentAgency Director Will Get:

A WEEKLY PRODUCTION BONUS of 25% (assuming Agent has been contracted 13 weeks or less)

of whatever the agents Bonus is.

So …

$844.40 Agent bonus x 25% =

$211.00 ADDITIONAL PAY!

AGENCY DIRECTOR PAY EXAMPLEAGENCY DIRECTOR PAY EXAMPLE

Assuming $50,000 policy purchased on Bank Budget, Company standards achieved,Direct Pay, BASED ON MAXIMUM BONUS AND MAXIMUM COMMISSION

1st Pay Method = $211.112nd Pay Method = $211.00

That’s $422.11 from 1 Agent this week!!!

But what if you had just 10 agentsproperly working the business model???

AGENCY DIRECTOR PAY EXAMPLEAGENCY DIRECTOR PAY EXAMPLE

10 agents working the business model each week…

10 x $422.11 =

$4,221.10

Weekly Earnings Potential!!!!!

10 agents working the business model each week…

10 x $422.11 =

$4,221.10

Weekly Earnings Potential!!!!!

AGENCY DIRECTOR PAY EXAMPLEAGENCY DIRECTOR PAY EXAMPLE

What is Important to You?What is Important to You?

• Strong Earning Potential

• Financial Stability of Company

• Broad Product Range/Flexible Markets

• Support/Training

• Earn According to Your Efforts

• Advancement

• Incentives

• Strong Earning Potential

• Financial Stability of Company

• Broad Product Range/Flexible Markets

• Support/Training

• Earn According to Your Efforts

• Advancement

• Incentives

AdvancementAdvancement

100% MERIT BASED PROMOTIONS THROUGHTHE “PROMOTE PROMOTION” PROGRAM

“A FAST TRACK MANAGEMENT TRAINING PROGRAM”

Agent

Agency Director

Regional Director

Regional Vice PresidentVice PresidentPresident

WHERE DO YOU WANT TO BE?

100% MERIT BASED PROMOTIONS THROUGHTHE “PROMOTE PROMOTION” PROGRAM

“A FAST TRACK MANAGEMENT TRAINING PROGRAM”

Agent

Agency Director

Regional Director

Regional Vice PresidentVice PresidentPresident

WHERE DO YOU WANT TO BE?

What is Important to You?What is Important to You?

• Strong Earning Potential

• Financial Stability of Company

• Broad Product Range/Flexible Markets

• Support/Training

• Earn According to Your Efforts

• Benefits/Retirement

• Advancement

• Incentives

• Strong Earning Potential

• Financial Stability of Company

• Broad Product Range/Flexible Markets

• Support/Training

• Earn According to Your Efforts

• Benefits/Retirement

• Advancement

• Incentives

ARE YOU READY TO GET STARTED?ARE YOU READY TO GET STARTED?

THE ASSURANCE GROUP

WANTS YOU ON OUR

MANAGEMENT TEAM!

THE ASSURANCE GROUP

WANTS YOU ON OUR

MANAGEMENT TEAM!