This document provides an overview of training topics for agents on Indexed Universal Life (IUL) insurance. The training covers how IUL works, running and explaining policy illustrations and expense reports, underwriting, and guaranteed and current interest rates. It also lists current interest rates as of October 1st, 2016.
1. The document outlines the sales process for selling an IUL (indexed universal life) policy, which includes a client presentation, financial needs analysis, illustrations/application, and policy delivery.
2. The financial needs analysis involves determining the appropriate coverage amount through a series of questions, reviewing retirement goals by discussing ideal vs minimum retirement scenarios, and analyzing a client's contribution budget.
3. Illustrations would be used to demonstrate policy details like death benefits, cash value, expenses, and living benefits, while addressing potential objections around guarantees vs assumptions.
This document discusses the differences between whole life insurance and indexed universal life insurance for wealth building and providing tax-free income in retirement. It summarizes studies showing that whole life insurance policies historically achieved returns 2% lower than illustrated. It also shows that indexed universal life insurance can provide significantly higher amounts of tax-free income in retirement through policy loans compared to whole life, even using conservative return assumptions. The document is aimed at convincing agents to recommend indexed universal life over whole life for clients' long-term financial planning needs.
The document discusses the need for a new solution in the changing financial world to help families reach their goals. It outlines problems with the current financial services industry like debt, lack of savings, and job insecurity. It introduces World System Builders as a company that wants to build financial relationships and businesses by teaching people about finances, creating plans, and providing ongoing support and checkups. The goal is to revolutionize the industry and help one million associates worldwide.
This document provides an overview of training topics for agents on Indexed Universal Life (IUL) insurance. The training covers how IUL works, running and explaining policy illustrations and expense reports, underwriting, and guaranteed and current interest rates. It also lists current interest rates as of October 1st, 2016.
1. The document outlines the sales process for selling an IUL (indexed universal life) policy, which includes a client presentation, financial needs analysis, illustrations/application, and policy delivery.
2. The financial needs analysis involves determining the appropriate coverage amount through a series of questions, reviewing retirement goals by discussing ideal vs minimum retirement scenarios, and analyzing a client's contribution budget.
3. Illustrations would be used to demonstrate policy details like death benefits, cash value, expenses, and living benefits, while addressing potential objections around guarantees vs assumptions.
This document discusses the differences between whole life insurance and indexed universal life insurance for wealth building and providing tax-free income in retirement. It summarizes studies showing that whole life insurance policies historically achieved returns 2% lower than illustrated. It also shows that indexed universal life insurance can provide significantly higher amounts of tax-free income in retirement through policy loans compared to whole life, even using conservative return assumptions. The document is aimed at convincing agents to recommend indexed universal life over whole life for clients' long-term financial planning needs.
The document discusses the need for a new solution in the changing financial world to help families reach their goals. It outlines problems with the current financial services industry like debt, lack of savings, and job insecurity. It introduces World System Builders as a company that wants to build financial relationships and businesses by teaching people about finances, creating plans, and providing ongoing support and checkups. The goal is to revolutionize the industry and help one million associates worldwide.
Defeating the Competition with the facts
Beating the inevitable competitors attacks on your IUL
Hopefully, by now you are convinced that IUL's and provide your clients with a superior wealth building wealth transfer opportunity.
But before you start discussing this tremendous product with your clients, it is important to consider that by recommending that a client place in large amount of money into a life insurance policy, you will open yourself up to a certain amount of criticism.
This document discusses the state of the financial services industry and presents a solution for becoming a financial advisor with Transamerica Financial Advisors (TFA). It notes that many middle-income families are underserved or overlooked by the current industry. It then outlines the benefits of joining TFA, such as training, support services, compensation structures including commissions and recurring income, and examples of successful current financial advisors at TFA. The conclusion encourages the reader to consider this opportunity to help clients and earn an income.
WFG associates aim to help 500,000 North American families in 2015 secure their financial future through products and services that help define financial plans, protect legacies, and allow a flexible career. World Financial Group is a financial services marketing company offering various financial products and services, and is a Transamerica company based in Johns Creek, Georgia.
Xim, inc. interview questions and answersRyanGiggs99
This document provides tips and advice for interview questions that may be asked during an interview with XIM, Inc. It includes responses to common questions like "What is your greatest weakness?", "What do you know about XIM, Inc.?", "Why do you want to work here?", "What can you do for us?", and "What kind of salary do you need?". Additional materials and tips are provided like a list of interview questions, types of interviews, how to follow up after an interview, and related job titles.
This document provides an overview of the World Financial Group (WFG) business opportunity. WFG helps people achieve better financial futures through financial education, products, and a business opportunity for associates. The opportunity allows associates to earn income through personal sales, developing other associates, and residual income. WFG focuses on middle-income individuals and families by providing guidance to establish financial goals and strategies. The hybrid business model rewards both sales production and leadership development, allowing associates to earn promotions and build their own organization.
We provide a business platform to
associates, which gives the support
and systems they need to build
strong businesses and create better
lives for themselves.
Many financial services companies focus on
only the wealthy few; thus many individuals
and families are grossly underserved.
There is an overwhelming need to help
middle-income individuals and families with
their finances, but there is an insufficient
number of companies that are willing to
help them.
World Financial Group (WFG) offers a unique opportunity to own a financial services business with low start-up costs of only $100. Associates can leverage WFG's brand and receive training without prior experience. The business can be operated part-time while keeping an existing job. WFG provides a competitive compensation program with opportunities for career advancement. Associates represent multiple insurance and financial services companies, allowing them to find the best products for clients' needs.
This document provides information about World Financial Group (WFG), a financial services marketing company. It discusses WFG's vision to help consumers achieve financial independence and its system for building a successful business. The document outlines WFG's business opportunity, highlighting how representatives can earn income by helping families and build a team. It also reviews compensation structures and incentives. In summary, WFG aims to empower ordinary people to achieve financial goals through its training, tools and business model.
El documento describe diferentes tipos de gráficos y tablas que se pueden usar para analizar la relación entre variables nominales y ordinales extraídas de datos de alumnos. Se mencionan tablas de contingencia para analizar la relación entre el tipo de centro educativo, opción de carrera y sexo. También se describen diagramas que representan estas variables, incluyendo diagramas de sectores, barras, histogramas y cajas.
This document provides information about financial planning services offered by World Financial Group (WFG). WFG associates assess clients' unique needs and goals to help them work toward a more secure financial future. WFG offers a broad range of products like life insurance, annuities, investment funds, and retirement accounts from multiple providers. The document discusses challenges to financial security like debt, college costs, retirement and health care savings shortfalls, and inflation. It promotes the benefits of a customized financial needs analysis from WFG to address these challenges through strategies like debt management, emergency savings, asset accumulation, and proper insurance protection.
WFG provides financial services and opportunities to help people build better financial futures. It aims to help middle-income individuals and families who are often underserved by other financial companies. WFG associates are trained to help clients establish goals and strategies to achieve financial security through saving and spending discipline. The company believes this approach can help more people attain financial independence compared to a focus on wealth through extravagant lifestyles.
World Financial Group provides financial services and products to help people achieve better financial futures. It uses a hybrid business model that rewards associates for both sales production and leadership in developing other associates. The opportunity allows associates to earn income through their own sales, overrides on other associates' sales, and residuals. World Financial Group focuses on serving middle-income individuals and families and provides training and support to help associates be successful.
World Financial Group (WFG) provides free financial education and advice through licensed independent financial advisors. They offer a wide range of products including insurance, investments, mortgages, and business opportunities. Their services include life insurance, disability insurance, education savings plans, retirement planning, debt consolidation, and home and auto insurance through various partner companies. WFG also provides an opportunity for ambitious individuals to start a career in financial services and become an independent financial advisor.
World Financial Group helps families build and protect their wealth through savings, insurance, and investment products. They believe in developing trusting relationships and growing their business through referrals. Their financial advisors conduct needs analyses to understand clients' situations and recommend solutions to improve financial security, such as sufficient emergency savings, debt management, retirement planning, and insurance. Their goal is to help clients gain peace of mind regarding their financial futures.
AEGON N.V. is an international insurance company based in the Netherlands that operates in over 20 countries. It was ranked one of the largest companies in the world in 2009. World Financial Group partners with AEGON and other insurers to offer their products through WFG's network of agents. WFG provides training and support to help agents grow their business and leave no family behind without the protection they need. Success is measured by building a team, completing training requirements, and earning commissions.
The document provides an overview of World Financial Group (WFG), including their business model, products, compensation structure, and values. WFG believes in helping middle-income individuals and families achieve financial security through education on basic financial concepts. They conduct respectful, no-pressure consultations to analyze clients' needs and recommend solutions like insurance, investments, and retirement products. WFG's hybrid business model rewards both sales production and leadership development through multiple ways for associates to earn income and clear guidelines for promotion.
2. POLECAM MIEJSCOWOŚĆ DĄBROWA
GÓRNICZA
Dąbrowa Górnicza – miasto na prawach powiatu w
południowej Polsce, w województwie śląskim,
położone na Wyżynie Śląskiej, nad Czarną
Przemszą i Białą Przemszą, na wschodnim krańcu
Górnośląskiego Okręgu Przemysłowego (GOP), w
Zagłębiu Dąbrowskim, będącym historyczną
częścią zachodniej Małopolski.
WSB
7. Według danych z 31 grudnia 2013 r. miasto miało
123 994 mieszkańców, przez co na stałym
poziomie utrzymuje się tendencja spadkowa liczby
mieszkańców Dąbrowy Górniczej.
WSB
8. Największe powierzchniowo miasto województwa
(10. w kraju) i największy ośrodek przemysłowy
Zagłębia Dąbrowskiego. Jest jednym z ośrodków
centralnych konurbacji górnośląskiej.
WSB
9. CZY W DĄBROWIE GÓRNICZEJ ZNAJDUJE SIĘ
PAŁAC KULTURY?
TAK
NIE
RACZEJ NIE
WSB