1) World Financial Group is a financial services marketing organization that represents some of the world's leading financial services providers. 2) They aim to help individuals and families achieve financial independence through education on important financial concepts and solutions. 3) They provide associates with a proven business system and access to resources to help families address financial challenges like debt, protection needs, college costs, retirement and taxes.

1. A New World of
OPPORTUNITY
No Family Left Behind™

2. WHO WE ARE
We are World Financial Group – a financial
services marketing organization whose associates,
through its affiliated companies, offer a broad
WE ARE: array of financial services products.
• A marketing company with tremendous resources
2 • A company that represents some of the world’s leading
financial services providers, not just one, to the consumer
• A leadership team with vast experience in the financial
services industry
• Part of a family of affiliated companies including World Group
Securities, Inc.1, which, based on its number of registered
representatives, is among the Top 1 percent of broker-dealers
in the United States.2
• A company driven by its mission.
1 Securities offered through World Group Securities, Inc. (WGS or World Group Securities), member NASD/SIPC, a member of the AEGON Group. WGS Headquarters: 11315 Johns
Creek Parkway, Duluth, GA, 30097-1517. 770.453.9300. WGS is not a licensed insurance entity. Insurance products are offered through World Financial Group Insurance Agency, Inc.
(WFGIA). WFGIA is an insurance agency licensed to conduct insurance business in all states, except in those jurisdictions that prohibit foreign insurance agencies then such business is
conducted through duly qualified subsidiary agencies thereof. Headquarters: 11315 Johns Creek Parkway, Duluth, GA, 30097-1517. WorldFinancialGroup.com. 770.453.9300. Securities
products and investments are sold by prospectus only and are not FDIC insured, may lose value and there is no bank guarantee.
2 As of April 2005.

3. A COMPANY BUILT WITH
YOUR FAMILY IN MIND
Our Vision
To build the world’s best and largest financial
3 marketing organization.
Freedom. Prosperity. Entrepreneurship.
Our Mission
To create financially independent families
positioned to realize their dreams.
No Family Left Behind™
Our System
Powerful proven solutions for building a
successful business.
Simple. Duplicable. Predictable.

4. BUILDING ON STRENGTH
WORLD FINANCIAL GROUP —
A Member of The AEGON Group
• AEGON N. V. is one of the world’s leading listed life insurance companies
4
ranked by market capitalization and assets.
• AEGON’s three major markets are the United States, the Netherlands and
the United Kingdom. In addition, the group is present in a number of other
countries including Canada, Hungary, Slovakia, Spain and Taiwan.
• AEGON N. V. was ranked 83rd out of 2000 companies in 2005 by Forbes
magazine in its annual ranking of the world’s biggest and most powerful
public companies.3
OTHER MEMBERS OF THE AEGON GROUP4 INCLUDE SUCH COMPANIES AS:
3 The Forbes Global 2000 is a comprehensive list of the world’s biggest and most powerful companies as measured by a composite ranking for sales, profits, assets and
market value. Published April 18, 2005 in Forbes.
4 All of the companies listed may not be available for World Financial Group Associates to do business with, and are listed here only for the purposes of illustration and
information. Securities products are sold by prospectus which contain more complete information about changes, limitations and expenses. Copies of specific product
prospectuses and statement of additional information may be obtained by contacting your registered representative. Prospectuses should be read carefully and the
charges, limitations and expenses should be carefully considered before investing or spending money.

5. WHAT THE EXPERTS SAY
“The changes in the economy.
The changes in careers. The changes in jobs.
The changes in technology. The changes in marketing practices.
It is as if every force at work in the universe is
aligned to make this WFG strategy go.”
– Tom Peters, business guru and best-selling business author of In Search of Excellence
5
“WFG … has built their entire company around providing
the same financial (information), tools, services, and personal care
available to the rich, to every family, regardless of income.”
– Carson V. Conant, editor in chief, AdvantEdge magazine
“Of all the companies that I have had an opportunity to work with ...
all over the world, WFG really stands in a great position to target a market
that most people neglect, … to (provide middle-income individuals and
families with) sound financial tools and financial literacy and education to be
able to plot their own futures in this ever-changing world of finance.”
– Blair Singer, behavioral change specialist and author of SalesDogs

6. THE PASSION TO
CHANGE AN INDUSTRY
Once in a while there are giants that emerge to
change an industry and create a new market.
WAL-MART® 5 STARBUCKS® 6
Revolutionized retail sales with Revolutionized the way to sell
operations in nine countries coffee with businesses in USA,
around the world. Europe and Asia.
6
WORLD FINANCIAL GROUP
Our goal is to revolutionize the financial services industry by bringing a fresh,
new approach to empower the world on how money works.
DRIVEN BY OUR CAUSE
At WFG, we are also driven to achieve our goals and be the best by the
passion we possess for:
OUR CAUSE
WFG recognizes the need for widespread financial education, particularly among
middle-income individuals and families who are typically overlooked by the
financial services industry and could readily benefit from exposure to important
financial concepts and solutions.
5 Wal-Mart is a registered trademark of Wal-Mart Stores, Inc. For the purpose of this case study, information is according to the Wal-Mart Timeline. http://www.walmartstores.com.
6 Starbuck’s is a registered trademark of Starbuck’s Coffee Company. For the purpose of this case study, information is according to the Starbuck’s Timeline and History.
http://www.Starbucks.com/aboutus/timeline.asp.

7. THE NEED EXISTS
With an alarming lack of education about financial
fundamentals, people need the tools and guidance
to help them make informed choices to meet
today’s challenges.
STAGGERING DEBT
• In 2005, people were spending beyond their means:
• Consumer Debt = More than $2 trillion7
7 • Household Debt = 116% of disposable income (record high)7
POOR SAVINGS HABITS
• Savings as a share of disposable income:  1980s = 10 %  1990s = 5%  2000s = 2%8
HIGH COST OF COLLEGE
• College costs have more than doubled from 1990 to 2005.
• Average Annual College Tuition over 4 years: Public: $42,640 Private: $124,2049
RETIREMENT & THE RISING COST OF LIVING
• Things have changed for the average two-earner American family in the last 25 years:
• They have $1,702 less to save for retirement after paying for basics such as clothing,
food and utilities.10
UNEXPECTED LOSS
• If you should die unexpectedly, without proper protection, your family could be facing
serious financial concerns.  Average Single Insurance Death Claim = $11,44211
7 U.S. Federal Reserve, May 2005.
8 Baker,D. “Dangerous Trends: The Growth of Debt in the U.S. Economy.” 10 Weller, Christian E. Ph.D. “Families Work Longer to Pay for Middle-Class Items
Washington, D.C.: The Center of Economic and Policy Research, Sept. 2004. than a Quarter-Century Ago,” Center for American Progress, Oct. 2005.
9 U.S. Census Bureau, “Facts for Features: Back to School.” August 2005. 11 American Council of Life Insurers, ACLI Life Insurers Fact Book, 2003.

8. THE GREAT STRUGGLE:
FAMILY VS. FINANCE
MANY FAMILIES TODAY ARE STRUGGLING
TO MAKE ENDS MEET. AS A RESULT, THEY:
8 • Are one or two paychecks away from
being out on the street.
• Are drowning in debt, the great
plague of our society.
• Read restaurant menu from right
to left — focusing on prices first.
• Can’t afford to have one spouse
stay home with the children.
• Argue over finances.
• Lead quiet lives of desperation.

9. THE WFG
FINANCIAL ROADMAP:
World Financial Group is positioned to help
individuals and families make the right choices and
steps toward financial independence.
9

10. FINANCIAL CONCEPTS
THE PRINCIPLE OF BUILDING EQUITY12
10
RULE OF 7213
12 This concept theorizes that a person’s responsibilities generally decrease and wealth generally increases over time.
13 All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect the performance risks, expenses or charges associated with any actual investment.
Past performance is not an indication of future performances. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of
return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. Additionally, there are no
guarantees that any investment or savings program can outpace inflation. Please note that high risk has been historically associated with high returns.

11. LET’S MEET TWO FAMILIES
FAMILY A FAMILY B
BOTH FAMILIES:
FAMILY OF FOUR
Two parents
Two children
11
Both parents work
$75,000 per year combined household income
Own a home
 $198,000 Mortgage Balance
• 30-year fixed rate @ 7½% interest rate
$8,000 in credit card debt @ 18% interest
Life insurance policies through work
$1 million retirement goal
ALL THINGS BEING EQUAL, IT’S ACTIONS THAT MAKE THE DIFFERENCE.

12. DEBT/MORTGAGE14: MANAGING
YOUR BIGGEST EXPENSE
FAMILY A FAMILY B
BOTH FAMILIES:
$206,000 Total Debt ($198,000 Mortgage + $8,000 Credit Card)
$ 1,700 Total Monthly Debt Payment
 $1,500 Mortgage (P&I only)  $200 Credit Cards (Minimum Payment)
12 ALL THINGS BEING EQUAL, IT’S ACTIONS THAT MAKE THE DIFFERENCE.
ACTION: ACTION:
 Pay required monthly mortgage amount  Refinance mortgage @ 6% interest rate
 Make minimum monthly credit card payment  Pay off credit card debt
 Begin emergency fund
RESULTS:
 No emergency fund RESULTS:
 Home Appraised for $270,000
• Still carry credit card debt  Use Equity to: Pay Closing Costs $8,000
• Take 30 years to pay off Eliminate Credit Cards $8,000
• Pay 145 % more than original charges: Establish Emergency Fund $6,000
$11,615 in interest  New Mortgage Amount: $220,000
BOTTOM LINE: BOTTOM LINE:
Monthly Payment $1,700/mo. (remains the same) New Payment $1,300/mo.
Savings $0 Savings $400/mo. $4,800/yr.
14 Mortgages offered by/through
independent companies. WFG is
Which family is being left behind?
not a mortgage broker or lender.

13. PROTECTION: THE IMPORTANCE
OF BEING PREPARED
FAMILY A FAMILY B
BOTH FAMILIES:
Insurance Through Work:
 2 x Salary • Parent 1: $40,000/Parent 2: $35,000
 $150,000 Total Protection
13 ALL THINGS BEING EQUAL, IT’S ACTIONS THAT MAKE THE DIFFERENCE.
ACTION: ACTION:
 Keep work insurance only.  Add protection with additional policy for 8x salary.
RESULTS: RESULTS:
 Parent 1 Dies: $80,000 Insurance Death Benefit  Parent 1 Dies: $80,000 Insurance Death Benefit
$320,000 additional insurance policy
$80,000 Total Death Benefit $400,000 Total Death Benefit
BOTTOM LINE: BOTTOM LINE:
 Only replaces two years’ worth of current salary.  Replaces 10 years’ worth of current salary
 Child care dilemma — how is it paid for?  Family could remain in current residence or
 Family would likely need to move or pay off their mortgage.
downgrade home because couldn’t  Can handle monthly expenses, including child
afford monthly mortgage payment. care.
Which family is being left behind? Which family would you rather be?

14. INVESTING WISELY
FAMILY A FAMILY B
BOTH FAMILIES:
RETIREMENT GOAL: $1 MILLION
25% tax bracket (combined federal and state)
14 ACTION ACTION:
 Invest with Accumulation Taxed  Invest with Accumulation Tax Deferred
RESULTS: RESULTS:
 $775/mo. for 30 years at 10% rate of return  $481/mo. for 30 years at 10% rate of return
Total Invested: $279,00015 Total Invested: $173,00015
BOTTOM LINE: BOTTOM LINE:
 Reached retirement goal but paid 61%  Reached retirement goal but invested
more — Could they have done something less using tax deferred strategy.16
else with that money?  Have $294 more per month than Family A — Could
they do something else with that money?
Which family is being left behind? Which family would you rather be?
15 Calculations are based on a 25% combined Federal and State marginal tax rate and are for illustrative purposes only. An individual’s combined tax rate may be higher or lower. Lower tax rates may have
an impact on the benefits of tax deferral. Some investments may be taxed at a capital gains rate which could be lower than an individual’s income tax rate. Funds received from tax deferred accounts
may be fully taxable at ordinary income tax rates upon withdrawal. The rates of return chosen are for illustrative purposes only and do not reflect the actual investment in any product and should not be
viewed as an indication of performance for any particular investment and do not reflect the performance risks, expenses or charges associated with an actual investment.
16 Tax/legal advice not offered by or through WFG and its affiliated companies. Please consult with your legal/tax advisor.

15. TAX ADVANTAGES
TAXATION: POTENTIALLY THE
MOST POWERFUL CHALLENGE
FACING YOUR FINANCIAL FUTURE
15
You Earn It THEY TAX IT
You Spend It THEY TAX IT
You Save It THEY TAX IT
You Die THEY TAX IT
WFG helps families by showing them a new approach to their finances:
 Complete personal financial review.
 Show families how they could earn more money and gain better rates of return
while providing them with education, insurance and retirement solutions.
 Bring financial concepts used by the wealthy to everyday people.

16. QUESTIONS
TO ASK YOURSELF
• Is there a need for what we do?
• Is it good for the consumer?
16
• Do you know anyone who could
benefit from this information?
• Could you see yourself sharing
this information with others?
• If you make as much money
during the next five years as
you did during the last five years,
would you be satisfied?

17. WFG: AN UNCOMMON
OPPORTUNITY
STARTING YOUR OWN BUSINESS
Why People Don’t How WFG Helps You Get There
• Fear of failure • WFG helps you succeed by providing you
access to tools, training and mentoring
17 from leaders who have made it in our
business.
• Loss of income stability • Start with WFG part-time and
keep the security of your
existing job while starting your
WFG business.
• No proven system or product • WFG and its family of companies
offer financial services needed by all
families and provide a business
system for you to follow.
• Lack of capital • Get started with WFG for a
minimal start-up cost.

18. STRENGTH OF THE WFG
OPPORTUNITY
For the right person,
WFG is a great opportunity ...
 Strength and credibility of AEGON
 Access to leading product providers
 Business Format System
18 — You run the system and the system runs your business
 Professional Development Center (PDC) & Training Events
 WFG Headquarters has more than 300 employees
dedicated to helping you build your business at no additional charge.
 Broad diversification
 Incentive trips  Technology
 Stock options17  Sales tools
With a unique compensation structure:
 Income for Today  Income for Tomorrow
• Self-employed • Build ongoing revenue stream through:
opportunity – Renewals & Trails
– Overrides
17 Eligibility/availability governed by governing plan documents.

19. BUILDING INCOME THROUGH
WORLD FINANCIAL GROUP
The following example shows how
helping one family results in $2,400
ASSOCIATE of commission paid to the field.
(Helps four families)
For this example, the commission amount is
Per Month $2,400 based on an average (EIUL) insurance
Per Year $28,800 policy sale to a 40-year-old male who is
contributing $200 per month to the EIUL.
19
MARKETING DIRECTOR
(Helps four families)
Policy sale = Equity Index Universal Life (EIUL) insurance.
Per Month $5,280 Opportunities to build other income may be achieved by qualifying
for additional compensation and by qualifying for bonus pools.
Commission amount may vary based on product type and size of
Per Year $63,360 purchase. WFG Commission Program subject to change.
This is a hypothetical scenario for illustrative purposes only.
There is no assurance that these results can or will be achieved.
MARKETING DIRECTOR WITH FIVE-PERSON TEAM Income is earned from sales of World Financial Group authorized
products and services.
(MD and each team member help four families per month) No income is earned for recruiting. See the current World Financial
Group Field Manual for compensation percentages on all diversified
product lines. All compensation plans subject to change. Promotional
Per Month $14,400 criteria/designations are determined and offered by or through World
Financial Group. Personal percentages earned on products may vary
based on promotional level with WFG. As of January 1, 2004,
Per Month + $5,280 WFG Associate contract level of 25%; Marketing Director contract
level of 60%; Marketing Director override level of 35%.
Example assumes all Marketing Director’s team members are at
Monthly Income $19,680 the Associate level.
Many people have experienced different levels of success with
World Financial Group. However, individual member experiences
Annual Income $236,160 may vary. This statement is not intended to, nor does it, represent
that any current member's individual results are representative of what all
participants achieve when following the World Financial Group system.

20. BUILD A GLOBAL
BUSINESS AT WFG
With the WFG family of companies,
you can build a worldwide, world-class business.
UNITED STATES
• World Financial Group, Inc.
• World Financial Group Insurance Agency, Inc.
20 • World Group Securities, Inc.
• WFG Property & Casualty Insurance Agency, Inc.
• Investment Advisors International, Inc.18
CANADA
• World Financial Group Insurance Agency of Canada Inc.
• WFG Securities of Canada Inc.
PUERTO RICO
• WFG Insurance Agency of Puerto Rico, Inc.
CHINA
• WFG China18
18 Expected launch 2006. Participation subject to qualification guidelines.

21. RECOGNITION & REWARD
The WFG environment allows ordinary people to
achieve extraordinary things.
21
All All contests, awards and related promotional criteria, events and designations are offered by or through World Financial Group, Inc. (WFG) and/or World Group Securities, Inc. (WGS).
In order to qualify, an individual must be a member in good standing of WFG and WGS, if applicable.
Many people have experienced various levels of success with World Financial Group. However, individual member experiences may vary. This statement is not intended to
nor does it represent that any current member’s individual results are representative of what all participants achieve when following the World Financial Group system.
Roush Racing trademarks, Carl Edwards’ and Todd Kluever’s names and/or likenesses used by authority of Roush Racing, Livonia, MI.

22. JOIN OUR
CHAMPIONSHIP TEAM
World Financial Group and AEGON sponsor
sports champions. Become a WFG associate
and be part of a winning team.
WFG AEGON
NASCAR race team Zach Johnson sponsor
22 sponsor PGA Tour player, BellSouth
Roush Racing Classic champion, 2004
Roush Racing trademarks, Carl Edwards’ and Todd Kluever’s names and/
or likenesses used by authority of Roush Racing, Livonia, MI. Zach Johnson’s name and/or likeness used with permission.

23. TAKE THE NEXT STEP
23 Set up a follow-up interview in the next 24 to 48 hours.
A Good Opportunity Only Becomes Great When You Act On It.

24. World Financial Group —
Helping You Make a World of Difference

25. World Financial Group, Inc. (WFG )
is a financial services marketing organization whose affiliates
offer life insurance and a broad array of financial products and services.
Securities are offered through World Group Securities, Inc. (WGS), Member NASD/SIPC.
Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA)
WFG, WGS, WFGIA are affiliated companies.
Headquarters: 11315 Johns Creek Parkway, Duluth, GA 30097-1517,
PO Box 100035, Duluth, GA 30096-9403.
Phone: 770.453.9300. WorldFinancialGroup.com
© 2006 World Financial Group, Inc.
Printed in the USA 1464mB/2.06