Helping Others to Prepare For       Their Financial Futures Today.Intermountain Financial Group, LLC  Salt Lake City, Utah...
Celebrating 160 Years                                                            as the Utah Agency of MassMutual      WHA...
About UsWho Is Intermountain Financial Group, LLC?Intermountain Financial Group is the Utah agency for the Fortune 500 com...
CommunityLocal residents and businesses rely on Intermountain Financial Group tohelp them secure their financial futures, ...
Your OpportunityOpportunity:Life is filled with challenges and opportunities. Embark on a career that allows you to maketh...
Why Us                    We give our associates every advantage:Advanced Training: We believe our agency offers some of t...
Investment Products              MMLISI Products and ServicesRegistered representatives may offer the following to clients...
Insurance Products                          Ash Brokerage/MMLIAIMML Insurance Agency, Inc. (MMLIAI) is a MassMutual sponso...
ContactMain Telephone:        801-943-6277                       888-761-0774Fax:                   801-733-9565General Re...
Disclosures Page 2: MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual), its aff...
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Why you would want to work with Intermountain Financial Group as financial services professional?

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About Intermountain Financial Group and how you can work with individuals and business owners on financial strategies for a top-rated company.

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Why you would want to work with Intermountain Financial Group as financial services professional?

  1. 1. Helping Others to Prepare For Their Financial Futures Today.Intermountain Financial Group, LLC Salt Lake City, Utah • St. George, Utah 801-943-6277 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  2. 2. Celebrating 160 Years as the Utah Agency of MassMutual WHAT IS THE SIGN OF A GOOD DECISION?It’s 160 years of doingwhat we set out to doOn May 15, 1851, MassMutual started with a single room and a single purpose—tohelp people protect their family and their future. Today, 160 years later, that long-term perspective remains core to all we do. We’re a company defined by our mutual-ity, owned by the very policyholders we serve.1 We’ve seen world wars, depressions,recessions and recoveries, and remained strong. Over time, we’ve provided financialand retirement security to millions of people and come to possess financial strengthratings among the highest of any company in any industry. 2 A lot has changed sincethat first office in 1851, but one thing remains the same: We serve our policyholders’best interests. That founding purpose still drives us today. Take a look at the past160 years on our interactive timeline at MassMutual.com/160Timeline.MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliatedcompanies and sales representatives. Insurance products issued by and ratings apply to MassMutual (Springfield, MA01111) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082). 1Learnmore about our mutual structure at www.MassMutual.com/Mutuality. 2Financial strength ratings as of 5/1/11: A.M.Best (A++); Fitch (AA+); Moody’s (Aa2); Standard & Poor’s (AA+). Ratings are subject to change. CRN201305-147538
  3. 3. About UsWho Is Intermountain Financial Group, LLC?Intermountain Financial Group is the Utah agency for the Fortune 500 company,Massachusetts Mutual Life Insurance Company (MassMutual), and is made up of agroup of specialists in financial services who are committed to help you achievefinancial independence in this complex and constantly changing world.Founded in 1893, Intermountain Financial Group offers its clients a broad-basedportfolio of financial products and services, including: Life insurance, annuities,disability income insurance, retirement planning products, long-term care insurance,mutual funds*, access to money management, and other trust services. We take greatpride in helping neighbors, friends, families and business owners make gooddecisions when it comes to being financially prepared for many of life’s pivotalevents.Over 50 full-time, highly skilled professionals are affiliated with IntermountainFinancial Group with offices in Salt Lake City, Utah and St. George, Utah. Many ofthe professionals hold advanced designations such as Certified Financial Planner™(CFP®), Chartered Financial Consultant (ChFC), and Chartered Life Underwriter(CLU). Intermountain Financial Group takes pride in its emphasis on the continuingeducation and professional development of their associates. This commitment toeducation is essential to provide you with some of the most qualified financialservices professionals in the industry.MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliatedcompanies . 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  4. 4. CommunityLocal residents and businesses rely on Intermountain Financial Group tohelp them secure their financial futures, but our commitment does not endthere. Our community involvement through charitable organizations andcivic events is deeply important to us, and our time and resources investedare one more reason why we have earned the trust from so manyindividuals in this area. Strength in our numbers Number of Clients1 13,814 Life Insurance Coverage in Force2 $3.964,699,865 Life Insurance Benefits (claims) Paid3 $21,673,114 Disability Income Insurance Benefits (claims) Paid4 $1,895,474 Client Policy and Account Values5 $747,758,204 Dividends to Whole Life Policyholders6 $8,138.921Community Involvement: Bikes for Kids of Utah (www.bikesforkidsutah.org) American Cancer Society/Breast Cancer Awareness Disability Awareness NightsRecognition: National Alfred P. Sloan Award for Workplace Flexibility for 2011, 2010, 2009, and 2008 Utah Work/Life Award for workplace excellence and one of the best places to work in Utah for 2011, 2010, 2008, and 2007 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  5. 5. Your OpportunityOpportunity:Life is filled with challenges and opportunities. Embark on a career that allows you to makethe most of them. As a Financial Services Professional, you will help others to provide for theirfamilies, protect their businesses, and achieve financial independence, while assuring yourown. It is a great way to make an excellent living while helping others.Independence:Chart your own course if you have confidence, an entrepreneurial spirit and enjoy the freedomthat accompanies working for yourself, you’ll thrive in this business—where self-motivation iskey. As a Financial Services Professional, you can set your own goals, determine your clienteleand work a schedule to meet your needs. Yet, you will be part of a well-respected network ofhighly trained, successful professionals with the full support of a Fortune 500 company behindyou.Challenge:To develop and service your clients, you will learn our process and the features and benefits ofa full portfolio of financial products, including life, disability income and long-term careinsurance; annuities, mutual funds, investments and other financial vehicles to help clientsmeet their goals. Every client’s situation is unique, and may range from financing a child’scollege education to caring for aging parents; from looking ahead to retirement or estateplanning to developing business continuation plans. You’ll learn how to accurately assessclient needs and design, implement, and monitor financial strategies that are tailored to theirspecific circumstances, while building fulfilling, long-term relationships.Rewards:Successful Financial Services Professionals work hard, and can reap significant rewards. Werecognize achievement with incentives, some of the industry’s best professional conferences,and a competitive benefits* package. Your income potential is virtually unlimited, tied only tothe time and energy you are willing to invest. However, the most satisfying rewards may bethe personal ones that accompany helping others to ensure their families’ financialindependence, while you are securing your own. 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  6. 6. Why Us We give our associates every advantage:Advanced Training: We believe our agency offers some of the best training in theindustry. Our comprehensive training program has recently been enhanced to provide astronger foundation for your business development. This training program is structuredlike a college course and a specialist in the respective topic teaches each segment. Inaddition, we have interactive training software so Financial Services Professionals canlearn at their own pace or review concepts anytime they want. We don’t end our trainingat twelve weeks or even one year; instead, we work with our associates to help themdevelop and hone their skills for the formative years in the business. The agency has ahighly respected and knowledgeable Advanced Life Specialist who will be teaching anAdvanced Designation Class each week. This class is designed for the experienced andinexperienced producer knowing the importance of consistently expanding theirknowledge and earning industry designations.Marketing and Sales Support Department: With the state of today’s financial servicesindustry, Financial Services Professionals and agencies have to be more market-drivenand focused in developing their target demographics. Our Marketing Department canhelp you develop a business plan, help you select the resources to work your targetmarket (e.g. brochures, advertising), and provide other pre-sale support.State-of-the-Art Technology: We offer innovative and comprehensive software. Fromhelping you illustrate a concept to demonstrating a product’s performance, to keepingtrack of your client base, we have the tools needed to make doing business easier andmore productive. A few of the software tools available to MassMutual agents areeMoney, Morningstar, and LEAP.Administrative Staff: Our staff provides nothing less than World Class Service andhave a combined experience amounting to over 150 years. Our staff is specialized andtrained in particular areas, but are also cross-trained to meet your needs and formaximum efficiency. From simple tasks to the more complex sometimes encountered,our staff demonstrates a concerned, helpful attitude. 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  7. 7. Investment Products MMLISI Products and ServicesRegistered representatives may offer the following to clients: (provided they are licensed to do so)  Mutual funds  Non-proprietary variable annuities and variable life products  Securities brokerage services  Direct participation Programs (DPPs)  529 Plans  Unit Investment Trusts (UITs)  Real Estate Investment Trusts (REITs)  Financial planning services*  Fee-based asset management programs* *Offered through the Corporate RIA Any advisors who want to offer the following should be interested in becoming CRIA licensed:  Asset Management Programs  Manager Referral Programs  Fee-based Financial Planning  Fee-based Seminars 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  8. 8. Insurance Products Ash Brokerage/MMLIAIMML Insurance Agency, Inc. (MMLIAI) is a MassMutual sponsored one-stopbrokerage firm that provides MassMutual agents an outlet to help meet their clients’needs.MMLIAI offers non-proprietary, traditional products: life insurance, disability incomeinsurance, long term care, and fixed annuities products. This program is designed tocompliment our own product portfolio by offering competitive products not availablein the MassMutual portfolio and extending offers on highly substandard risks anddeclinations.MMLIAI also offers agents a resource for finding other carriers to accept risk on largecases where, for capacity reasons, the case must be diversified through multiplecarriers. Companies available include:  Fidelity Life  Minnesota Life  Genworth Financial  Mutual of Omaha  Hartford Life Insurance Company  New York Life  ING USA Life and Annuity  Penn Mutual  Jefferson Pilot  Principal Life  John Hancock  Prudential Life  Lincoln National  Sun Life  Met Life  West Coast Life 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  9. 9. ContactMain Telephone: 801-943-6277 888-761-0774Fax: 801-733-9565General Recruiting: Mandy Aguirre 801-453-2276 MandyAguirre@financialguide.comWebsite: http://www.intermountainfinancialgroup.com http://www.massmutual.com/mycareerCore Agency Address: Old Mill II 6340 South 3000 East Suite 500 Salt Lake City, UT 84121Branch Offices: St. George, Utah 94 East Tabernacle St. George, UT 84770 435-673-6350 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277
  10. 10. Disclosures Page 2: MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual), its affiliated companies and sales representatives. Insurance products are issued by and ratings apply to MassMutual, Springfield, MA 01111, and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company, Enfield, CT 06082. To learn more about our mutual structure, go to www.MassMutual.com/AboutMassMutual. 1. A participating policyholder is an owner of an individual policy issued by MassMutual who benefits from the compa- ny’s mutual status by being eligible to share in any annual dividends, if declared,. After setting aside a safe margin for re- serves and surplus, MassMutual pays any amount left over to participating policyholders in the form of declared divi- dends based on predetermined factors. Dividends are not guaranteed Page 4: 1 An insured, owner, or payer of a MassMutual policy or contract. 2 Amount of individual life insurance in force at the end of the period related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insur- ance Company. 3 Amount of individual life insurance claims paid during the period related to products issued by Massachusetts Mu- tual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company. 4 Amount of disability income insurance claims paid during the period related to products issued by Massachusetts Mutual Life Insurance Company. 5 Includes values of MassMutual and subsidiary insurance companies’ insurance and retirement products and invest- ment products offered through MML Investors Services, Inc., a MassMutual subsidiary. 6 The amount of dividends to whole life policyholders in 2011. Page 5: * Eligibility applies only to those Financial Services Professionals who hold a full-time career contract (X4X) with MassMu- tual. Eligibility for subsidized benefits and before-tax coverage is based on meeting certain contract requirements. Benefit plan provisions are subject to modification or termination. Financial Services Professionals are independent contractors and are not employees of MassMutual its subsidiaries, or of General Agents with whom they contract. You must be a registered representative of MML Investors Services, LLC., to offer securities products. 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 801-943-6277CRN201310-151717

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