fmiAgent

P O I N T AW A R D S2016fmiAgent

P O I N T AW A R D S2016

EARN POINTS WITH YOUR

PAID POLICIESQUALIFICATION PERIOD: JAN. 16, 2016 THROUGH JAN. 15, 2017

500,000 POINTS

Polaris RZR XP 4 1000 EPS® Royal Caribbean8-Day Eastern Caribbean Cruise

®

Take a vacation on the award-winning ship, the Allure ofthe Seas®, from Fort Lauderdale, Florida to the dazzling beaches and turquoise waters of the Eastern Caribbean.

Enjoy a day at the Bahamas, explore reefs at St. Thomas, and experience Dutch and French culture at St. Maarten -

all on one of the world’s largest cruise ships!

Have a passion for the ultimate o�-road experience?The Polaris RZR® delivers the perfect balance of

performance, ride, handling and comfort all in onepowerful sport side-by-side.

Sunday, April 23, 2017 - Sunday, April 30, 2017

Features Include:999CC Prostar EFI Engine

High-Flow Clutch Intake System110 HP ProStar 1000 H.O.

Industry -Exclusive Walker Evans Shocks3-Link Trailing Arm Rear Suspension

13.5-Inches Ground Clearance

For agent use only. See back for details. By invitation orrecommendation from Financial Markets, Inc. only. Minimum of 12 paid policies. Agent must have at least an 80% placement ratio. Quali�cation period: January 16, 2016 through January 15, 2017. Points vary by carrier and product. See complete points schedule at tinyurl.com/2016fmiAgentAwards

VIP Producer President’s ClubPoints Required

Accommodations

Special ExcursionsSpecialty Dining

Relaxation

Airfare60,000

Agent & Guest

Included

Included

Included

Agent & GuestBalcony Stateroom Grand Suite

90,000

--

Included--

800-888-2829 • www.fmiAgent.comWe are here for your life.SM

FinancialMarkets, Inc.

Points System

Quali�cation Guidelines and Point System

Terms and Conditions

Royal Caribbean Cruise Terms and Conditions

Polaris RZR Terms and Conditions

View point details for each available product by visiting tinyurl.com/2016fmiAgentAwards

• For agent use only.• By invitation or recommendation from Financial Markets, Inc. only.• Business that will be credited includes business placed and paid at Financial Markets, Inc. during the quali�cation period. Certain plans may not be eligible.• Business written on the agent or family members will not be eligible.• The points can be a combination of Life, Annuity and Health premiums. Please see the points applicable to each individual policy for calculation.• All policies must be issued, e�ective and paid no later than January 15, 2017.• General Agents may not qualify unless pre-arranged in writing prior to contest.• Agent may qualify for only one of each incentive items.• Agent must be in good standing with Financial Markets, Inc. at time of redemption (i.e. must be currently contracted with companies from which quali�cation points are derived and actively producing business. No outstanding debit balance allowed).• Business must be issued and placed. Canceled and lapsed business will not be considered for Quali�cation Points.• Contest credit dependent upon federal and state regulations.• Excess premium (premium beyond target) on Universal Life business or other similar contracts will not receive any Quali�cation Points.• Policy conversions will not be eligible for Quali�cation Points.• Payroll deduction business Quali�cation Points will be determined on a case-by-case basis.• Quali�cation Points will not be credited for subsequent annuity premiums.• Quali�cation Points are not redeemable for cash or other remuneration.• Quali�cation Points cannot be transferred.• This is a voluntary program; additional restrictions may apply. • A 1099 will be issued to all quali�ers for the fair market value of the items.• Points will be redeemed at one time at the end of the quali�cation period, which is January 15, 2017.• Financial Markets, Inc. reserves the right to modify any quali�cation requirement at its discretion without notice.• NO EXCEPTIONS TO CONTEST QUALIFICATIONS AND GUIDELINES WILL BE CONSIDERED.

• This is a voluntary function; consequently, travel restrictions may apply. • A 1099 will be issued to all producers for the fair market value of the trip.• Agent and one guest may attend; guest may not be another licensed agent unless a spouse.• Travel arrangements will be scheduled from the nearest major airport as determined by the travel coordinator of Financial Markets, Inc.• By qualifying for a vacation package, airfare for the agent and their guest is paid for by Financial Markets, Inc.• Trip date: Sunday, April 23, 2017 through Sunday, April 30, 2017. Subject to change without notice. • Vacation travel arrangements for you and your guest are paid by Financial Markets, Inc. in cooperation with a third party.• President’s Club: specialty dining includes one evening of dining in a specialty restaurant with a company representative of Financial Markets, Inc.• President’s Club: Financial Markets, Inc. will comp 2 excursions per agent and guest; not to exceed $500 per excursion.• In cooperation with a third party, Financial Markets, Inc. is unable to make any modi�cations to the incentives guidelines.• Royal Caribbean International or any a�liates is not a sponsor or partner of Financial Markets, Inc.• Royal Caribbean International logo is a registered trademarks of Royal Caribbean International.

• Maximum cash value $25,000 including taxes and registration fees. • If dealer stock is not available, a cash equivalent will be presented in lieu of the Polaris RZR XP 4 1000 EPS.• A 1099 will be issued to all quali�ers for the fair market value of the item. • Polaris or any a�liates of Polaris Industries is not a sponsor or partner of Financial Markets, Inc. • Polaris RZR logo and Polaris logo are registered trademarks of Polaris Industries.

• Minimum of 12 paid policies.• Agent must have at least an 80% placement ratio.• Quali�cation Period: January 16, 2016 through January 15, 2017.• Points vary by carrier and product.

• All points earned per product will be combined at the end of the quali�cation period for a �nal total.• For complete points schedule, visit: tinyurl.com/2016fmiAgentAwards

Cruise - VIP Producer

Points Required

Premium necessary to earn above points (any combination).

60,000 90,000 500,000

Cruise - President’s Club Polaris RZR®

Points and Premium Requirements

Premier Carriers - Life Premium

Traditional Annuity Premium

LTC, CI, and DI Premium

Medicare Supplement Premium

MYG Annuity Premium

Other Carriers - Life Premium

$60,000

$2,000,000

$150,000

$500,000

$4,000,000

$120,000

$90,000

$3,000,000

$225,000

$750,000

$6,000,000

$180,000

$500,000

$16,666,667

$1,250,000

$4,166,667

$33,333,333

$1,000,000