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For Internal Use Only 2

TABLE OF CONTENTS

Introduction 3

Section 1: The Sales Process 6 Planning Your Presentation Strategy

Section 2: Training Resources 19 Building a Solid Foundation of Product Knowledge and Procedures

Section 3: Glossary 29 The Fast Track to Learning the Language ofYour Business

Congratulations and welcome again to Virtual Financial Group (VFG). This is your chance to build a rewarding and successful business of your own, in one of the largest industries in the world… one that you can do from the comfort of your own home, with the help and support of leaders and technology to teach you what you need to know to succeed.

For Internal Use Only

INTRODUCTION

With VFG, you can custom tailor your business to fit the goals

and lifestyle you would like to pursue. You can choose to just

make this a second income opportunity for you, or you take it

all the way to making it an exciting and rewarding new career

as a Financial Consultant.

A VFG Financial Consultant has deep knowledge of our

products and services and has mastered all of the steps in the

VFG Virtual Business System.

Yet perhaps the most important part of being a VFG Financial

Consultant is the critical role they play in helping match financial

products to the needs of their clients, which in turn creates the

income stream for all VFG Associates.

3


Helping Guide Others to Financial Wisdom

The VFG Financial Consultant plays a Key Role in the VFG Tier System and is a critical link to the new associate and their spouse’s initial views and understanding of the VFG opportunity and Sales Process. Please treat this is your highest responsibility and offer to provide support to the new reps.

We believe it always doing what is right for the client 100% of the time and never over selling the client’s needs and affordability.

The VFG Financial Consultant:

• Must be able to articulate the story of VFG as contained in the Corporate Overview.

• Must completely understand our products & concepts• Give a FANTASTIC presentation• Analyze clients information, find potential savings

on our FNA mini.pdf and complete a financial needs analysis

• Give a FANTASTIC appointment and close the sale• Overcome any objections• Know how to get referrals from clients.• Know how to use or Product Providers Software • Study our VFG Product Training Library • Attend our VFG Thursday 10am PST Financial

Consultant Product Trainings• Be a crusader for Living Benefits, IUL’s and Indexed

Annuities• Be 100% loyal to VFG and only work with our product

providers • Understand their responsibility in properly motivating

the associates about the business & products• Be capable of making a positive impression with the

new associate and or client prospect.

Winning Concepts:

A. Remember, every presentation is also a recruiting presentation.

B. Feel good about yourself. Have a Positive Attitude and Good Energy on the appointments

C. Feel great about VFG. You must be totally committed to our virtual business model & product concepts.

D. Do a simple presentation. Sell concept first. Living Benefits Crusade & IUL

E. People need help. Be a CRUSADER! Be enthusiastic and excited about the great good we do

F. Assumptive Sales Approach – expect to do business and get a check!

G. There are only two reasons why a client in the right market will not do business with you:

1. They don’t believe you. 2. They don’t understand you.H. You must see both spouses. They both need and deserve

to know. Reschedule if one spouse cannot be presentI. Everyone is a recruit until proven different.

“So many financial dreams are thwarted by the failure to act upon

good intentions.” —Susie Orman

“If you want to thrive in today’s economy, you must challenge the status quo and get the financial

education necessary to succeed.” — Robert Kiyosaki


Making the Grade

1. All Consultants must attend regular Thursday 10am PST product training classes and be at least a VP with 50,000 in sales in the last 12 months personal.

2. All Consultants must have people skills, ask questions, be organized efficient and coachable with VFG Tier System.

3. All Consultants must send client “Thank You” cards by mail after the Tier 3 & 4 and Anniversary & Thanksgiving cards. (Suggested: www.sendoutcards.com)

4. All Consultants must have a reliable PC notebook computer, high speed Internet, copier fax and scanner & hard line.

5. All Consultants must be dedicated to the VFG carriers and never write any sales outside of VFG product providers.

All our consultants must understand our products thoroughly and view our entire Financial Consultants Product Training Library, as well as staying plugged into all the latest product news and updates (another reason to attend our live online Thursday 10am PST trainings classes).

All our consultants must be proficient with The VFGContact.com system and use the system & calendar with all your clients and keep the notes current.

Simple Points on How to Succeed:

• Understand and Practice Sales Techniques• Ask Lots of Questions • Make Friends — People do business with people they

like! (Through conversation find things in common: Family, Children [Boys or Girls, and their ages], Sports? College? Housing prices? State taxes? Weather? Population? etc.)

• Stress the critical importance of having a Living Benefits Policy for the benefits and setting an example and believing in what we are doing

• Be an advocate of VFG & our Virtual Business System• You must have the Eye of the Tiger — CLOSE THE SALE & GET THE CHECK

Please Read:How to win Friends and Influence People in the Digital Age


SECTION 1:THE SALES PROCESS Planning Your Presentation Strategy

PURPOSE: To Understand the Steps of Successfully Moving the Potential Client/Recruit through the Final Steps of the VFG Sales Process: The Handoff from the Inviter The Financial Needs Analysis Interview The Follow-up Product Recommendations Closing the Sale Filling Out Applications


As a Financial Consultant, the Tier 3 client appointment is the starting point. During this meeting you’ll get to know your prospective clients in detail so you can prepare their “FNA” – the Financial Needs Analysis. These appointments will come from:

• Prospects after a Tier 2 (generated personally or from a VFG team member) • Prospects you’ve directly contacted who are in need of financial services • Referrals you have received from satisfied clients

VFGcontact.com — Where All Appointments Must Flow

As a virtual business, leads and appointments can come at you fast and in mass, so in order to stay on top of all of this activity, YOU MUST USE the VFGcontact.com system and tools. As appointments are setup by you or by other VFG team members, all of these will flow onto your VFGcontact.com Calendar...making it vital for you to check it nightly to plan for the following day’s activity.

When an appointment has been scheduled, at this stage THE CLIENT IS THE MOST IMPORTANT PART OF THE PROCESS and therefore, if you cannot make a scheduled appointment, it should be SCHEDULED WITH ANOTHER FINANCIAL CONSULTANT. This is your responsibility. Please do not simply reschedule the client’s time – we are working for them and must treat them and their time with the utmost respect.

GETTING STARTED WITH ONLINE APPOINTMENTS


Subject Line: VFG Tier 3 Client Prep & Consultant Intro email. Your Tier 3 appt has been assigned to me by ( Financial Inviter) . I look forward to meeting with you and your wife tomorrow, (Time & Date – as an example: Thursday the 20th @3:00pm PST) via www.join.me (an online screen-sharing service).

I will give you the join.me code after I call you on the phone so please be in front of your computer.

Here is a brief bio on me. (Copy & Paste your bio and picture)

Here is a list of Documents & Info that would be helpful to gather for our appointment so we can put together a valuable plan for you & your family. · Credit Card Balances· List of Key Assets· List of Main Liabilities· Expense Worksheet· Retirement Account Statements· Investment Statements· Listing of Available Investment Options in Investment and Retirement Accounts· Homeowner and Automobile Deductibles· Life, Disability, Chronic illness& Long-term Care Insurance Polices· List of Employee Benefits

In the mean time, feel free to contact me if you have any questions.

(Your VFG Signature Info with Name, Phone, Email)

Sample Email Tier 3 Appointment Preparation Email


Preparation for the Tier 3 Appointment

• Have all your VFG pdf brochures & materials open on your desktop organized in folders

• Use only VFG Client Presentations and Approved Provider Company Materials

• Use our Financial Needs Analysis Software & FNA mini.pdf with all clients

• Have a Good Laptop with High Speed Internet Access & Separate phone line

• Make sure the Financial Inviter/Manager (if on the application) knows their role to edify you

• Know your potential client as well as possible — keep good notes in VFGcontact

• Reconfirm your appointment by email with our VFG Financial Consultant email template

The Consultant Briefing

5 Minutes Before The Tier 3 AppointmentThe Consultant calls the Inviter to go over these bullet-point questions:

• Any Special Notes? (what’s the 411 on the client)

• Spouse’s Job? (is she the top money earner?)

• Any Known Retirement Accounts?

The Tier 3 Client Appointment

Warm Up (the first 5-10 minutes of the appointment)• Make a personal connection; ask about where they live,

their family children show friendly low-key interest — Make Friends.

• Ask where they are watching the presentation in the house and if they can focus or if they should move to another room?

• Again, both spouses need to be there.

• During your presentation, ask questions regularly to involve both spouses, you can and should make eye contact using Google Hangouts.

• Sincerity is the key. You are there to serve, don’t talk down to them. You’re there as a friend not as a teacher/student or parent/child relationship.

• Confirm the spouse has viewed the 20 or 11 min video. If not), do a brief overview of VFG and its vision and mission and reassure them that no sale is going to be made that night. Also confirm that the Rep has viewed the entire Fast Start School and received completion certificate (if not reschedule appointment).

• VFG has a proven 2-Step Sale Philosophy that has shown to create long term relationships and better persistency.

“I appreciate you having me into your home virtually tonight. You didn’t have to and I am grateful you did. I want you to know that I don’t take it for granted. Before we get started I want to emphasize two things:

First off, I am not going to ask you to buy anything tonight. My only purpose in getting together with you is to share what I believe in so strongly and why all of us at Virtual Financial Group are excited about it.

Then, secondly, I’ll need to gather some information from you so I can do my homework in order to make specific recommendations that can benefit your family.”

The Consultant Briefing is a critical opportunity for the Inviter to assist with word-of-mouth information. INVITERS — BE AVAILABLE for this phone call from your Consultants!


• If you are there on a client referral, use the referrers name and ask how they know them. If with a financial inviter, talk about how they know the inviter. This strengthens your referral position. Use only the Approved VFG Client Presentation.

Fact-Finding, Engagement, Trust Building• During the appointment, involve the client by asking

questions and listening to their comments.

• Use Tie Downs (“That makes sense doesn’t it?”) and Trial Closes (“You’d want this kind of money at retirement too, wouldn’t you?”).

• Collect their data on the Financial Needs Analysis and the FNA mini pdf.

• Get a money commitment for monthly long-term savings amount, in addition to what they are currently saving.

• Get commitment to buy and to get referrals on the Tier 4.

• Getting the commitment upfront gives you leverage when you return. You don’t want to be wasting their time or yours.

• Be friendly AND firm. Take what you do seriously.

• Set follow-up Tier 4 appointment and update their file with notes in VFGcontact.com.

• Schedule the CRM Startup Appointment with the New Representative and their Manager in the CRM Contact File.

• Have them watch the #1 and the #2 Video on “The VFG System Tier 1- 4 Step 2” Tab in the VFGpro back office.

• Use www.sendoutcards.com to mail hand written thank you card to their home address.

• The Tier 3 appointment should last 45 minutes to 1 hour.

The CRM Briefing

5 Minutes Before The CRM AppointmentThe Manager calls the Inviter to go over these bullet-point questions to uncover a great potential recruit or client that the agent/client might not bring up...people that would be on their “chicken list.”

• Any Special Info on Potential Clients? (i.e. people who make a lot of money; people nearing retirement)

• Any Potential Recruits? (people who are “movers & shakers” that the agent/client has mentioned but might be intimidated by)

THE CHICKEN LIST

People that are powerful personalities or highly respected often end up on other people’s “Chicken List” (people they would never recommend or approach because they feel intimidated or uncomfortable to do so).

Your goal is to uncover these names which potentially may be great referrals, whether they become recruits or clients.


Subject Line: VFG Tier 3 Financial Needs Analysis info:

Dear (names of clients on Tier 3),

Thank you for sharing your time and information with me today. I wanted to confirm that our follow up appointment will be on (Time & Date – as an example: Thursday the 20th @3:00pm PST). As before, I will give you a join.me screen sharing code after I call you on the phone so please be in front of your computer. During this appointment I will go over the findings in our detailed Financial Needs Anaylsis and present possible recommendations for you to consider.

In the meantime, please review the information below. I believe you will find some of the information quite “eye-opening.”


New Living Benefits: Insurance you don’t have to die to take advantage of. Once the “new insurance” is understood, it is easy to see why traditional life insurance is obsolete!

What if...you could have the piece of mind of knowing that, not only would your family be taken care of if you died prematurely, but that... you and your family would be financially secure in the event that you (or another family member) came down with a serious illness or disability? (Cancer, Heart Attack, Stroke, Disability...)

you could get stock market-like returns on your retirement savings, but with the guarantee that you could never lose your principle... or your gains?

you knew that you would have access to tax free income when you retire--possibly even guaranteed for as long as you live?

Would you sleep better at night? Would you enjoy life more? These are some of the little-known benefits available in what is truly a revolution in the life insurance industry. In fact... The following is a quote from the continuing education class for the California Department of Insurance:“Once the ‘new insurance’ is understood, it is easy to see why traditional life insurance is obsolete.” You will definitely want to watch the following short video about The Living Benefit Solution: http://livingbenefits.me

Sample Email After the Tier 3 – The Tier 3 Follow-Up Email

CONTINUED ON PAGE 12


Here’s more sobering information about Chronic Illness Stats You Need to See.Watch it at: https://www.youtube.com/watch?v=fkTO6d04kOM#t=46

Every 30 sec.= A new case of cancer is diagnosedEvery 36 sec.= 1 heart attack Every 40 sec.= 1 stroke• The cost of severe heart attack - including direct and indirect costs - is about $1 million.• 60% of all bankruptcies are due to medical issues. Of those that filed for bankruptcy, nearly 80% had health insurance.• One in four people with cancer delayed or turned down recommended care because of cost

As the economy has changed and the needs of the individual have changed, life insurance has changed to provide the protec-tion necessary in the 21st century.

The new life insurance is efficient by providing a pool of money that can be used in case of a financial catastrophe caused by illness, disability, care needed for chronic illness, terminal illness, critical illness, retirement, and premature death.It is also efficient because it provides a tool for the financial consultant to cover a number of risks with one insurance policy and one premium, instead of attempting to offer four or five policies with four or five premiums.

Whether you’re building a retirement account or thinking about it, here’s a must-see short video – The 401k Alternative.Watch it at: https://www.youtube.com/watch?v=lGlibb1D2_4&list=FLMsC82yXVMSbGarWaLwL4bA&index=63

Sample Email After the Tier 3 – The Tier 3 Follow-Up Email

CONTINUED FROM PAGE 11


Preparation for the Tier 4 Appointment

• Analyze client’s existing plan (if any) and information on the approved software and review The Financial Need Analysis computer proposal & FNA Mini

• Make recommendations based on not only the additional they can save per month, but also on the areas they might find “new money” in their budget. (FNA mini pdf)

1). Existing Contributions to savings plans2). Existing Funding to a 401k, IRA…3). Overfunding Mortgage Payment4). Existing Life Insurance Premiums5). Last Year’s Tax Refund Amount6). Existing Contributions to Children’s Education Accounts7). Expected Near Term Inheritance8). Increasing Auto or Health Ins Deductibles9). Cell Service, Change Auto Ins, Cut back on

Starbucks etc…

• When you call and email to reconfirm appointment for the Tier 4, be excited and positive about your game plan for them! You want them to be looking forward to your return.

The Tier 4 Recommendation

• Review VFG Client Presentation “Build a Better Tomorrow” – Fan Flames of their memory.

• With the Financial Needs Analysis open, say “using this information, we have put together a very solid plan, I’m excited to show it to you and I know you are going to like it.

• Show Financial Needs Analysis Dreams & Goals Section again and review their dreams and goals.

• Re-emphasize the reality of how much they need to save. (Accumulation needed at retirement and savings goal per month from FNA mini.)

• Re-confirm intent to do business and give referrals. You must renew their prior commitment or find out why they won’t and overcome it. If you do not, then end the conversation in a friendly respectful way. Again, don’t waste their time or yours.

• Use only current and approved literature.

• Present Recommendations and proposal Term LB and IUL if appropriate, and then CLOSE THE SALE.

• Make the statement “In order to get your program started I need to ask you a few questions, I hope you don’t mind.” Go right to iPipeline and start filling out a new application (assume the sale). Show your conviction, remember, sometimes clients don’t trust their own ability to make the right decision.

• If a “client-only” appointment…Before you get the check, you’ll want to begin the process of collecting referrals. Go over the VFGcontact memory jogger exercise with them. Put the referrals (name only) on a separate sheet and stay positive and excited through the entire process. Qualify the 10 referral names by getting all information on the referral name, email best phone. Get client recommendation approval (P.S. on bottom of referral email).


• Now you prepare the client for the possibility of competition.

I’m going to make three promises to you and I’m going to ask one in return.

1) I’ll get back on annual basis and review your program to make sure you’re on track.

2) If you have any questions or if any major changes occur in your life, you hit the Lottery, change jobs, move, change banks, have more children, I’ll make myself available at any time.

3) If you have any questions about any other area of financial services call me and I’ll be glad to give you a referral.

Those are the promises I make to you, the promise I’d like for you to make in return is that if your former agent or another agent makes recommendations or advises you to do something differently, please have them contact me directly, let them know I am your Financial Consultant and have them submit their proposal in writing to me so that I can review it for you. Fair enough?

• Re-invite to View the VFG 20-Min Business Presentation Meeting Video or a live Tier 2 Webinar if they have not attended.

• Email FNA & Company Approved Specific Product Materials to client.

• End on a positive note, showing appreciation for their business.

• Recommend appointment should last approximately 1 hour and 30 minutes.

Tier 4 Follow Up

• Drop Thank you card or note in the mail to show your appreciation. (Use www.sendoutcards.com to do this electronically.)

• Schedule medical exam requirements.

• Stay in contact with client by phone & emails during underwriting period every 10 days.

• Let the Financial Inviter and the Financial Manager know the results of referrals on client prospects. 65/35% split on Referrals. Financial Inviter picks his 2/3 first.

• Set up appointment with both spouses present and allow sufficient time to deliver their Policy after you have mailed it to them. Explain it thoroughly and re-sell policy.

• Prepare client for bank draft. Monthly bank draft (Electronic Funds Transfer/Check-O-Matic-EFT/COM) business has the best persistency and pays advances.)

• Stay in touch – remember birth dates, anniversary and Thanksgiving cards Remember – nobody cares how much you know until they know how much you care! (Send out cards on auto-pilot at

www.sendoutcards.com.)

• Don’t short-cut!

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Overcoming ObjectionsWe need to think about it?I can assume if you are thinking about it you are seriously considering doing this for your family, Correct?

Just to clarify and so I can better understand what you are thinking about let me ask you this question:Is it me possibly me as your consultant and my experience you are thinking about?

Is it the company, Transamerica 103 Billion in assets since 1906? Or Nationwide?

OK Level with me please is it the Money? Are we thinking too small should we be getting 1 million policy instead of 500k? Or is it a little too high? Would $250 or $200 be more comfortable at this time?

Great then let’s get it started then today for $200 I just need

to ask you a few questions I hope you don’t mind? Move forward to iPipeline app.

If they still object say this:“OKAY, one great way to analyze an important decision like this is to do what Ben Franklin taught. Let’s weigh the Pros of starting it today vs. the cons of delaying your decision and not starting the plan.

I’ll get it started with some of the pros:”(Then list out the pros and say)

“Okay now it is your turn what are some of the cons of starting a plan like this for your family today?”

Don’t help them.

Then say, “Well it is 22 to 1. Your decision is pretty simple isn’t it? Let’s get your plan started, I just need to ask you a few questions I hope you don’t mind.”

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The Ben Franklin Close for Term LB

It is always a good idea to weigh the pros and cons and see which side make more sense.Here’s the list of 22 “Pros” vs the Clients #s of Cons1 Living Benefits2 The new life insurance is efficient by providing a pool of money that can be used in case of:3 Financial catastrophe caused by illness4 Financial catastrophe caused by disability5 Care needed for chronic illness6 Care needed for terminal illness7 Care needed for critical illness8 Cover a number of risks with one insurance policy and one premium9 “Living Benefits” in case you live… No cost rider!10 Nearly half of all Americans suffer from at least one chronic illness, and many of these people have one or more daily activity

limitations.11 Chronic diseases—such as heart disease, stroke, cancer, diabetes, and arthritis—are among the most common and costly of

all health problems in the U.S., and are also the leading causes of death and disability.12 Pay for care or treatment that may not be covered by your health insurance plan13 Replace income lost as a result of your illness14 Provide for in-home care or facility needs15 Any death benefit value not used as a living benefit will go to your loved ones after your death.16 Every 30 sec.= A new case of cancer is diagnosed17 Every 36 sec.= 1 heart attack18 Every 40 sec.= 1 stroke19 The cost of severe heart attack – including direct and indirect costs – is about $1 million.20 60% of all bankruptcies are due to medical issues.21 Of those that filed for bankruptcy, nearly 80% had health insurance.22 One in four people with cancer delayed or turned down recommended care because of cost.


The Ben Franklin Close for:Index Universal Life

It is always a good idea to weigh the pros and cons and see which side make more sense.

Here’s the list of 13 “Pros” vs the Clients #s of Cons1 Life Insurance Protection2 Growth Potential3 Index Account Options4 Guaranteed Floor*5 Tax Advantages6 Tax Free Access At Any Age7 Tax Deferred Earnings8 Tax Free Loans & Withdrawals**9 Tax Free Death Benefit10 Safe from Market Risk11 Complete Privacy12 Avoids Probate13 Protection from Lawsuits

For Training & Educational Purposes Only*Guarantees are based on the claims paying ability of each insurance company. Note that even though the interest credited to an Index Account Option may be affected by stock indexes, index universal life insurance policies are not an investment in the stock market or the indexes and do not participate directly in any stock or investment.** Policy loans and withdrawals are tax-free to the extent that they do not exceed the basis (generally, premiums paid less withdrawals) and that the policy does not lapse, is not surrendered and is not and does not become a modified endowment contract (MEC)

The Ben Franklin Close for:Indexed Annuities

It is always a good idea to weigh the pros and cons and see which side make more sense.

Here’s the list of 15 “Pros” vs the Clients #s of Cons1 Growth Potential2 Principal 100% Guaranteed3 Credited Interest locked in every year4 Index Account Options5 Guaranteed Floor*6 Tax Advantages7 Tax Deferred Earnings8 Lifetime Income Guarantee Riders9 Avoids Probate10 Bonus Paid for deposits11 Tax Free Death Benefit12 Complete Privacy13 Never Pay a Commission14 Safe from Market Risk15 10% Penalty free withdrawals

For Training & Educational Purposes Only*Guarantees are based on the claims paying ability of each insurance company. Note that even though the interest credited to an Index Account Option may be affected by stock indexes, index universal life insurance policies are not an investment in the stock market or the indexes and do not participate directly in any stock or investment.

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FINANCIAL CHECK UP

Last: _____________________________DOB: ______________ Age: ______ow long?:

(S) First Name: _____________________________Last: _____________________________Occupation: ____________________________How long?: ___________

Home Address: ___________________________________________ City: ______________________State: _______ Zip: _________Email: _____________________________________________

WHAT’S YOUR INCOME, YOUR OUTGO AND YOUR MONTHLY SPENDING DECISIONS TO DATEMonthly Income: $_________________401K: Y or N(S) Monthly Income: $_________________401K: Y or N Mo. Contribution $_______________ Match: Y or NMutual Fund: $_________________ Bank Savings: $________________Annuity:Rent or Own? Payment: $____________ Interest Rate:Monthly Car Payments: $_____________Total Owed on Credit Cards:

Life Insurance: Face Amount: $_______________(S) Life Insurance: Face Amount: $_______________Mo. Premium: $_______________Cash Value: $_______________

Health Issues - Last 5 Years? Yes or No (S): YesHow many months would your assets last if you were to suffer a critical illness or disability tomorrow? _____________Are you expecting a windfall or inheritance? Yes or NoAre you expecting a Tax Refund? Y or N How Are you a W-2 Employee? Y or N Exemptions Claimed on your WAre you Paying Extra on you Mortgage each month? Y or N How Much? $________________Do you have an existing IRA? Y or N Mo. Contribution: $__________________Do you have Auto Insurance? Y or N Mo. PaymenDo you have Homeowners Insurance? Y or N Do you have Health Insurance? Y or N Mo. Payment: $______________ ADo you have Long Term Care Insurance? Y or NCell Phone Monthly Payment? $_________________How much do you spend each month at Starbucks, the movies,Do you have a Financial Planner? Y or N

WHAT’S YOUR NUMBER? $____________________

ted) how sophisticated of an investor do you consider yourself? __________nce is? High Medium Low Nonet?isk) at whon your money in today’s economy? ____________________

How much can you comfortably afford to save each month towards reaching your Dreams & Goals? $100________ $250__________ $500___________ or $____________

If when we meet again we are able to show you a plan that is better in every way and you are the sole judge, is there any reason you would not be able to do business?

We do not charge a fee for our FNA but we do ask that if we do business you will refer us to a minimum of 5 families like yourself who can possibly benefit from our services, fair enough?

________________________ Signature:____________________________________

FINANCIAL CHECK UP – (Mini)

First Name: ____________________________ ______ Age: ______Occupation: ___________________________

Names:First Name: _____________________________ _ Last: _____________________________DOB: _______________ Age: ______ Occupation: ____________________________H_ How long?: ___________Marital Status: M / S / D / W

) First Name: _____________________________Last: _____________________________DOB: ______________ Age: ______Occupation: ____________________________How long?: ___________ How many kids? _____ Ages: ____________________

Home Address: ___________________________________________ City: ______________________State: _______ Zip: _________Email: ___________________________________________________Phone: Cell___________________

WHAT’S YOUR INCOME, YOUR OUTGO AND YOUR MONTHLY SPENDING DECISIONS TO DATEY or N Mo. Contribution $_______________ Match:

(S) Monthly Income: $_________________401K: Y or N Mo. Contribution $_______________ Match: Y or NBank Savings: $________________Annuity: $_______________

Payment: $____________ Interest Rate: ______% Monthly Car Payments: $_____________Total Owed on Credit Cards: $___________ Total Monthly CCard Payments::$ _________

Face Amount: $_______________Mo. Premium: $_______________Cash Value: $_______________nce: Face Amount: $_______________Mo. Premium: $_______________Cash Value: $_______________

Yes or No Do you use tobacco? Yes or No (S): Yes oryour assets last if you were to suffer a critical illness or disability tomorrow? _____________

? Yes or No Approximate amount: $___________________Are you expecting a Tax Refund? Y or N How Much? $____________________

2 Employee? Y or N Exemptions Claimed on your W-4 Form? _______________ Are you Paying Extra on you Mortgage each month? Y or N How Much? $________________

Mo. Contribution: $__________________ Balance : $__________________Mo. Payment? $________ Amount of Deductible? _______________

Mo. Payment: $______________ Amount of Deductible? ___________________Mo. Payment: $______________ Amount of Deductible? ___________________

Insurance? Y or N Mo. Payment: $______________ Payment? $_________________ Monthly Subscriptions? $________________

How much do you spend each month at Starbucks, the movies, Premium Cable Channels, eating out, etc.??? $_________________

$____________________(Amount you need/want monthly to retire comfortably)

On a scale of 1 to 10 (10 being the most sophis yourself? __________y your Investment Risk Tole

At this point in your life, which is more import e return? ____________On a scale of 1 to 10 (with 10 being the highes _What do you think is a reasonable rate of retur ____

G Representative: _____________________ ______________________

First Name: _____________________________ Last: _____________________________DOB: _______

OB: ______________ Age: ______ ____________________

Home Address: ___________________________________________ City: ______________________State: _______ Zip: _________ ____Atl: ___________________

WHAT’S YOUR INCOME, YOUR OUTGO AND YOUR MONTHLY SPENDING DECISIONS TO DATE? Match: Y or N

(S) Monthly Income: $_________________401K: Y or N Mo. Contribution $_______________ Match: Y or N _______________

Total Monthly CCard Payments::$ _________

Premium: $_______________Cash Value: $_______________ nce: Face Amount: $_______________Mo. Premium: $_______________Cash Value: $_______________

or No Type:_________ your assets last if you were to suffer a critical illness or disability tomorrow? ________________________

Approximate amount: $___________________

Balance : $__________________ Amount of Deductible? _______________

ount of Deductible? ___________________ mount of Deductible? ___________________

etc.??? $_________________

(Amount you need/want monthly to retire comfortably)

On a scale of 1 to 10 (10 being the most sophisticated) how sophisticated of an investor do you conside

for high speculaat risk are your current assets in? _________

What do you think is a reasonable rate of return on your money in today’s economy? ______________

Additional Comments: ___________________________________________________________________________________________________________ ____________________________________________________________________________________________________________

G Representative: ______________________________________________ Signature:____________VFG Inviter/Manager: _______________________________________________ Consultant:_______________ ___________________

FNA Mini Available for download in your VFG back office. This PDF document can be filled out by keyboard typing or printed and hand-written.


VFG Checklist for Virtual Policy Deliveries

1. Please buy sign here stickers and paper clips and yellow tabs for notes.2. Clip thier copies together and 2 sets ones for him to sign & return to Transamerica & VFG together as well.3. Always made an extra copy to have them mail back to us at VFG’s home office in La Mesa, California so we have a copy and

know it was signed.4. You should also have them mail a set to Transamerica in a self addressed prepaid envelope enclosed in the policy.5. Always mail them out US Priorty Mail 2-3 days.6. In addition, always include a personal letter from yourselfI (Or the writing Agents Consultant & 2nd Agents contact info)

congratulating them on thier decision and plan, plus please print out the 2 Transamerica Trendsetter pdf brochures and place in policy folder if they do not come with the policy.

7. You should also scan the documents that need to be signed and returned and the specs & key page on the policy & email a copy to the client to sign and return as an option right away with an email version of the policy delivery letter and these attachments plus a VFG client brochure included.

8. A Personal Thank you card should be sent using SendOutCards.com Tier 4 Template.9. All Clients should be put on our Client Aweber database monthly newsletter.

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Sample Email VFG Policy Delivery Email Template

Dear (client’s first name),

Congratulations, you were approved for your new life insurance policy. You now have a powerful policy for the 21st century with living benefits.

Please review your policy and sign the delivery receipt and return a copy to us ASAPby fax 619-839-0343or by scan & email to both: (your email address) & [email protected]

Also reply by email and let me know a few possible times in your schedule for me to review your policy with you online and answer any questions you may have.

Please contact me as well if you are in need of service and your address or circumstances or needs change.

Warm Regards,



SECTION 2:TRAINING RESOURCESBuilding a Solid Foundation of

Product Knowledge & Procedures

PURPOSE:To understand where online you can find the multitude of self-guided training tutorials and product videos, as well as key contact information.


Preferred Providers – United States

Transamerica Term Life Insurance with Living Benefits

The predecessor of Transamerica Life Insurance Company was founded in 1906. With more than a century of experience, Transamerica has built a reputation on solid management, sound decisions and consumer confidence. In 1999, Transamerica was acquired by AEGON N.V.AEGON is an international life insurance, pensions and asset management company headquartered in The Hague. AEGON has businesses in over 20 markets in the Americas, Europe and Asia and its ambition is to be a leader in all its chosen markets by 2015.While no company in the financial services industry is immune to the turmoil in today’s financial markets, the AEGON companies have a strong balance sheet, healthy cash flows and ample liquidity. AEGON’s business model is to sell long-term products to their customers and then to invest the premiums received in long-term assets. We at Transamerica will continue to do as we have always done, and that is to focus on delivering quality products and service to our customers and distributors.

Transamerica Trendsetter Term LBhttp://Transamerica.com/wfgTransamerica Software Download & Prerequisite Download under Tools

Transamerica Learning Centerhttps://tld.transamerica.com VFG Transamerica Product Training and InfoGoto: VFGpro.com “VFG Product Training” then “Term w/Living Benefits” for Current Product Materials Downloads & Training

For the iPipeline Sales ApplicationGoto VFGpro.com “Transamerica Platform” for iPipeline application link

To Follow up on Policies in UnderwritingGoto; VFGpro.com “Transamerica Platform” then click the TransACT icon

Contact for Transamerica Matt ChambersRegional Sales DirectorTransamerica Life Distributors801-372-6797 [email protected]

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WRL Financial Freedom IUL

WRL IUL & IUL with Long Term Care Rider Website Linkhttps://www.westernreserve.com/wps/portal/wrlClick Register if it is your first time to get your username & password info.

Western Reserve Life Assurance Co. of Ohio (WRL) long-term relationship and success with WFG. Established in 1957, WRL is one of the most recognized life insurance providers in the industry. Renowned for combining professional money management with an innovative lineup of VUL and IUL products, WRL is focused on the support, services and products that help WFG experience record growth. Why? Because we are Committed to You for Life.

WFG Site Link for Western Reserve Life: https://www.mywfg.com/western-reserve-life

WRL Financial Foundation IUL Training ModuleVideo Link: http://download.streamingmediahosting.com/aegonusa/FFIUL/index.htmlThe WRL Financial Foundation IULSM, (FFIUL), is a flexible premium life insurance policy that offers a choice between domestic and global index account options, a guaranteed minimum interest rate* and an optional rider to help cover long term care expenses.

WRL Long-Term Care Rider Training ModuleVideo Link: http://download.streamingmediahosting.com/10076/mp/LTC/LTC.htmWRL’s approach to LTC coverage is life insurance combined with an optional long term care rider. The LTC Rider can provide monthly benefits to help pay for long term care.

Mobility 5.3 Software Training ModuleVideo Link: http://download.streamingmediahosting.com/aegonusa/Mobility_Intro/index.htmlIllustration software that provides all the latest product information, automatically backs up case information and is accessible from the office or from a clients home.

Index Universal Life Illustration Best Practices Training ModuleVideo Link: http://download.streamingmediahosting.com/aegonusa/IUL_Practices/index.htmlLearn how to access and use WRL Illustration software, Mobility.

WRL Road To Retirement Brochure: http://bit.ly/1r3BZIV

WRL Income Replacement Brochure: http://bit.ly/1JaLvQl

WRL FFIUL Client Brochure: http://bit.ly/13gYwH7

Contact for WRL Matt ChambersRegional Sales DirectorTransamerica Life Distributors801-372-6797 [email protected]

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Nationwide Yourlife IUL

Smarter. Simpler. Better.Your clients, whether they’re individuals or employers, want the confidence that comes from being prepared for the future. To help them with that, you need to focus on them. So we focus on you — on being a company you can count on.We call it being On Your Side®.

Objectivity with experience. We don’t favor one solution or service over another, and we understand that you and your clients want — and need — more than one option. Our breadth of solutions offers plenty of ways to help your clients: Annuities, Life Insurance, and Retirement Plans.http://NationwideFinancial.com

Login & click “Life Insurance” then “Life Illustration Tools”https://www.mywfg.com/nationwide

Special Indexed Universal Life traning Video & Info Pagehttp://www.nationwide.com/yourlife-indexed-ul.jsp

IUL Illustration Software Link for download or on the cloudhttps://ssc.nwservicecenter.com/iApp/ssc/tool/illustrations/lifemgr.do?DCSext.SSC_Tools_ev=Life%20Illustrations

iPipeline Brainshark Training Videohttps://training.ipipeline.com/Documents/Nationwide/index.html

Contacts for Nationwide Pat HodousRegional Life ConsultantNationwide Financial | Northern [email protected]

Trent LuckeyRegional Internal ConsultantNationwide [email protected]

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ING/Voya Indexed Annuites

In the U.S., the ING/Voya family of companies offers a comprehensive array of financial services to retail and institutional clients, which includes annuities, retirement plans, life insurance, mutual funds, managed accounts, alternative investments, direct bank-ing, institutional investment management, employee benefits, financial planning, and reinsurance. Based in Amsterdam, ING Group offers banking, investments, life insurance and retirement services to over 85 million private, corporate and institutional clients in more than 40 countries. With a diverse workforce of about 115,000 people, ING is dedicated to setting the standard in helping our clients manage their financial future.http://lifemarketingservice.com/index_annuity.asp

Voya Indexed Annuity Training Videoshttps://www.brainshark.com/brainshark/brainshark.net/salesportal/home.aspx?companyid=2068843

Voya Indexed Annuities An Alternative to Bank CD’shttps://www.brainshark.com/brainshark/brainshark.net/salesportal/title.aspx?pi=zCMz172iOLz0z0

Voya Product Intro Videohttps://www.brainshark.com/brainshark/brainshark.net/salesportal/title.aspx?pi=zC8z80Rcsz0z0

Voya Software Traininghttps://www.brainshark.com/brainshark/brainshark.net/salesportal/title.aspx?pi=zCJzKHat3z0z0

Voya Lifetime Incomehttps://www.brainshark.com/brainshark/brainshark.net/salesportal/title.aspx?pi=zBczUcAF2z0z0

Voya Income Protector Withdrawal Benefithttps://www.brainshark.com/brainshark/brainshark.net/salesportal/title.aspx?pi=zBwz3BdYSz0z0

Voya Trigger Index Strategyhttps://www.brainshark.com/brainshark/brainshark.net/salesportal/title.aspx?pi=zBrz7mYO4z0z0

Contact for VOYA/ING David M. KingsleyAnnuity Marketing Services, Inc. Western Regional Account Manager225-532-9411 [email protected]

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Pacific Life is a privately owned company committed to the long-term well-being of its policyholders and financial professionals. We take the trust that you and your clients invest in us very seriously. With more than 140 years of experience, Pacific Life has earned a reputation for treating its policy owners fairly and equitably. Over the years, we’ve reduced the cost of insurance charges, lowered the amount of premium loads, and maintained crediting rates above guaranteed minimums. The success of your client’s life insurance policy depends on its performance. Getting the best possible performance takes the vigilance and service Pacific Life offers. At Pacific Life, it’s all about the power to help you succeed.

Pacific Life IUL Navigator Software - Training WebinarVideo Link: https://www.brainshark.com/paclife/vu?pi=zHpz2iq6sz3jrXz0MyVFG Page: https://www.mywfg.com/pacific-lifePacific Life Rep Website: https://lifeline.pacificlife.com

Crump Life Insurance ServicesCarrier Partnerships – Our relationships with over 100 carriers and our portfolio of thousands of products for life, annuities, long term care and disability bring you the most competitive price –along with faster cycle times and better offers for your clients. We’re proud of the strong relationships we’ve forged with many of the industry’s top carriers, including:

American General LifeAviva Life and Annuity CompanyAXA FinancialGenworth FinancialJohn Hancock FinancialLegal & General AmericaLincoln FinancialMet LifeMutual of OmahaPrincipal FinancialProtectivePrudential Financial

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Additional Resources

To Order Medicalshttps://www.eportamedic.com/Login.aspx

Send Out Cards – Powerful Hand Written Thank You & Follow-Up Cards Systemhttps://www.sendoutcards.com/We have special SendOutCards.com campaign codes you can use to upload for the VFG card templates.To receive the current codes, email [email protected]

Recommended Reading to Understand the Power of the IULhttp://www.amazon.com/s/ref=nb_sb_noss_2?url=search-alias%3Daps&field-keywords=patrick+kelly+retirement

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Nationwide Licensing Information

Non Resident Licensing Resourcehttps://pdb.nipr.com/html/nrlWelcome.html

Short 3 minute video on getting the Non-Resident licensing process.http://my.brainshark.com/Non-Resident-Licensing-319004878

Hot States – What to KnowWriting agents must have an appropriate insurance license (life, health) and be appointed with the respective product provider or Agency affiliation in each state business is solicited.

Override commissions for business written in “Hot States” can only be paid to uplines who have the appropriate insurance license (life & health), and appointment with the respective product provider or Agency affiliation where business is written by their downline.*

Hot States for License and Appointments

There are three (3) jurisdictions that require an individual to be licensed in the state AND maintain a provider appointment in order to receive override commissions. These three states are: Florida Virginia West Virginia *For override purposes, appointments should only be requested for uplines in these states!

Hot States for License Only

There are thirteen (13) jurisdictions that require an individual to be licensed in the state to receive override commissions (appointment NOT required). These states are: Georgia Montana Puerto Rico Wisconsin Louisiana New Mexico South Carolina Massachusetts North Carolina South Dakota Mississippi Pennsylvania Utah


Key WFG Contact Information

WFG Home Office ContactsHome Office Address: 11315 John Creek Parkway • Johns Creek, GA 30097Home Office Support Team (HOST) Click here to see the news article announcing the new HOST nameTel: 770.246.9889Email: [email protected]

Licensing PaperworkAssociate services/coding – Membership Agreements (AMA’s), Promotions/Level changes, Agent Information Changes, Transfer and MAP requests/Coding changesFax: 678.966.6161

General Licensing – All appointment paperwork EXCEPT WRLFax: 678.966.6100

Provider Appointment RenewalsFax: 678.966.6100

[email protected] for VFG licensing & appointment help

WRL Insurance Licensing – WRL ONLYFax: 678.966.6111

[email protected] – submit new and renewed insurance licenses via email to this address.

[email protected] – submit provider appointment requests via email to this address.

[email protected] – submit AML Completion certificates via email to this address.

[email protected] – submit Coding requests via email to this address.

WFG Technical SupportTel: 888.632.2100Email: [email protected]

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VFG Transamerica/WRL Advance Commission Criteria/Benefits Information

If it is the inviter’s or Consultant’s first sale in a new state you should check first to make sure both are properly appointed in the State by checking your state licensing map in myVFG.com & email [email protected] for help if needed.

General Advance Criteria located on MyWFG.com. While the website covers the majority of the information, we want to provide you with a more detailed breakdown for WRL and Trans products. Please review the information below.

For WRL• Writing and/or split agent are not properly appointed. This could be due to a delay with the information being updated in the

admin systems and once agents are cleared, policy will advance. If it is determined the agent(s) appointment was not in good order when the app was signed, a new app will be required.

• Premium received and scheduled premium do not match.• Short premium. 1/12 (If policy issued, and advance criteria is met at issue, the advance will be processed)

For Transamerica• If there is any issue with the Conditional Receipt (CDR), premium will not be applied to the policy. Once the policy has been

placed inforce, the advances should be processed. (CDR examples: premium on CDR is less than minimum premium, not signed, not dated, etc.)

• Writing and/or split agent are not properly appointed. This could be due to a delay with the information being updated in the admin systems and once agents are cleared, policy will advance. If it is determined the agent(s) appointment was not in good order when the app was signed, a new app will be required.

• Premium received and scheduled premium do not match. (Use www.Transamerica.com/wfg Underwriting Guidelines for rate class quotes)

Policies are NOT eligible for an advance if the:• Payment mode is direct bill monthly;• Writing agent or split agent is the insured, owner or payor;• Client resides at the same address as the writing agent or split agent; or,• Client is the writing or split agent’s mother, father, brother, sister, spouse or child. This also includes in-law and step

relationships.

In order to receive an advance on an eligible policy, the following requirements must be received:• Full initial premium 1/12 (third party checks and money orders are NOT acceptable)• Properly completed and signed bank draft information (direct deposit cases only)• All provider required forms, including, but not limited to: • Correct Replacement and 1035-exchange forms • Correct state specific application • HIV Consent Form • Suitability application questions completed (where applicable)

Final Notes• The maximum advance on any one case is $16,500.• The maximum allowed split agents on a sale is two(2) and the total percentage for the agents must add up to 100%.• NOTE: Advances may be withheld at the company’s discretion.

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SECTION 3:GLOSSARYThe Fast Track to Learning the

Language of Your Business

PURPOSE:To understand definitions of specialized words and abreviations that you may run into during the course of daily work.


Glossary

AEGON AEGON N.V. is a multinational life insurance, pension and investment group based in The Hague, The Netherlands. The company has businesses in more than 20 markets in the Americas, Europe and Asia. In North America, AEGON operates through Transamerica, whose major divisions include World Financial Group, Inc., World Financial Group Insurance Agency of Canada Inc., and WFG Securities of Canada Inc.

TransamericaTransamerica is a part of AEGON, an international life insurance, pension, and asset management company based in The Hague, the Netherlands. The Transamerica companies offer a wide array of innovative financial services and products with a common purpose: to help individuals, families, and businesses build, protect and preserve their hard-earned assets. WFG is part of a Transamerica company called Transamerica Life & Protection.

TLP WFG is a division of Transamerica Life and Protection (TLP), an AEGON Transamerica company. The TLP division provides operations, information technology, legal, marketing, and finance support to internal agents and independent producers who market the companies’ life insurance, health insurance, long-term care insurance, marketing services, and investment products.

WFG WFG World Financial Group, Inc. and World Financial Group Insurance Agency of Canada Inc. are Transamerica companies. The Transamerica companies offer a wide array of innovative financial services and products with a common purpose: to help individuals, families and businesses build, protect and preserve their hard-earned assets. With more than a century of experience, Transamerica has built a solid reputation on solid management, sound decisions and consumer confidence. To learn more about Transamerica click here.

VFG VFG Virtual Financial Group is a financial services marketing company that is associated with World Financial Group, Inc.

World Financial Group, Inc. (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. WFG and WFGIA Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097-1517. Phone: 770.453.9300. WorldFinancialGroup.com.

AML Anti Money Laundering at VFG refers to a required course of training that gives you knowledge of red flags to look for to prevent and report money-laundering activities.

Appointment Sometimes referred to as “contracting,” an appointment is a formal approval to sell the products of the various companies with which WFG’s affiliated companies have selling agreements. You will need an appointment with a WFG-approved product provider to market its products. To get an appointment, go to MyWFG.com; then go to Tools > Administration & Compliance > Field Manual, and then select a company. Appointment information will be on that page.

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AppVantage AppVantage, an advanced web-based insurance application used by some of WFG’s preferred providers, enables associates in the United States and Puerto Rico to complete and submit client applications. AppVantage also allows clients to sign their insurance application using a digital signature pad or an iPad. Once applications are successfully completed, associates can electronically transmit them to the provider company. AppVantage is currently in development for the Canadian market.

Associate Each member of Virtual Financial Group is referred to as an associate.

Base Shop The base shop is the localized team headed by a Senior Vice President (SVP). Everybody in a base shop reports ultimately to that SVP, though there may be several levels (Field Manager or Agency Manager or Vice President) between a specific individual and the SVP..

Code Number Associates are assigned unique code numbers/Associate IDs once their Associate Membership Agreement (AMA) is completed and approved. In Canada, code numbers end in “C.”

COMPASS COMPASS is WFG’s comprehensive associate database and commissions system. Most of the business reports available to you on MyWFG.com pull from the information in COMPASS.

Convention Officially called the Convention of Champions, this annual company conference is usually held in the summer in Las Vegas

E & O All WFG licensed and appointed associates in the United States and Canada are required to have Errors and Omissions liability insurance (E&O). All associates,*, except New York associates , are required to maintain E&O through the company’s E&O Provider. New York associates must purchase E&O independently. In Canada, the minimum level

of coverage may vary by jurisdiction. E&O is a MANDATORY charge pursuant to the Associate Membership Agreement Section II; Subsection J. An associate may not decline coverage for any reason. *Errors and Omissions Insurance is mandatory for: • Any Life and Term Insurance Appointments

E-AMA This term refers to the electronic Associate Membership Agreement, the application form that must be completed to join WFG. Once this is completed and sent in with a $100 ($125 in Canada) administrative fee, you will be notified if your application is approved and given a WFG Code Number. Also called the AMA, the application can be submitted in paper form as well.

Financial Needs Analysis / FNAA Financial Needs Analysis (FNA) could refer to either a software tool you can use to gather and analyze client information, or to the printed presentation generated by the software, which you may present to the client. This presentation may include the client’s personal, professional, and financial goals. Used properly, an FNA provides a consistent, rational basis for your product recommendations. WFG maintains a proprietary FNA software tool on MyWFG.com under Tools > Financial Needs Analysis. This tool is available to all associates at no charge, though you must be properly licensed and appointed to use it with clients. In Canada, WFG’s FNA is approved for use with insurance clients, but not currently for securities clients. Completing an FNA is an important component part of the insurance financial sales process to because it demonstrate aprovides the rationale rational basis for selecting recommending particular financial insurance productss, types and amounts of coverage for amounts to a client.

Associates can also subscribe to approved third-party FNA tools. Links to currently approved tools are available on MyWFG.com. Associates can also purchase paper data collection forms through the e-store on MyWFG.com.

Home Office/Executive Headquarters Located in Johns Creek, Georgia, the WFG Executive Headquarters is home to hundreds of employees who go to work each day ready to help you succeed .

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World Financial Group Insurance Agency of Canada Inc. is headquartered in Toronto, ON. Some of the areas in which the U.S. and Canadian WFG Headquarters provide support for your business include: • Commissions • Licensing • Provider Relationships • Professional Marketing Materials for use in building your business with client retention and recruiting • Corporate Intranet – MyWFG.com – that provides 24-hour access to commission statements, up-to-date product provider information, business reports, recruiting and sales tools and more.

Illustration Use life insurance illustrations to help clients understand the products you are proposing and their potential performance. Keep in mind that life insurance illustrations are hypothetical constructs that show how a particular insurance policy would perform under a given set of financial assumptions which are entered by you. Remember these are assumptions, and there are no guarantees of the numbers. However, they can be very useful tools in illustrating how various policies work and how cash values may function within the policies.

Licensing In order to distribute WFG’s approved product’s you will need to get your Life Insurance License Using the WFG Field Manual, go to the Life Licensing section and determine the licensing requirements (resident or non-resident) for the state(s) or province(s) in which you wish to be licensed. A life license plus a company appointment will allow you to sell approved life insurance products from providers with whom VFG has selling agreements. The following are examples of different types of products a life licensed associate might be able to sell:• Term Insurance • Indexed Universal Life (US only)• Universal Life • Whole Life • Fixed Annuities

Points VFG uses points to determine promotion qualification, as well as for contests and recognition. Points are a measure of production volume, and are accumulated based on the type

of product sold and the total compensation to the field from the sale of that product. You are able to track your points through the reports on MyVFG.com.

WFG EI WFG Education Institute (Canada) is WFG’s in-house branded education platform for getting new WFG associates in Canada licensed faster in a cost-effective proven platform.

VFG’s MissionOur mission is to build and protect wealth for families. Although it is not WFG’s official mission statement, the “No Family Left Behind” is a tagline many associates use to capture the essence of the WFG mission in a way that is easily understood by prospects and clients.

MyVFG.com/MyWFG.comMyWFG.com is your 24-7 online resource for business information, including but not limited to: • Company News • Contests • Business- tracking Business- building tools • Training • Selling and building • Licensing • Marketing Materials • Provider/Product Information

VFG VisionTo become the most influential virtual marketing company in history.

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Virtual Financial Group 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 Insur-ance 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 | VBS_3.14