This document provides information about World Financial Group (WFG), including who they are, their mission and vision, strategic alliances, products offered, how to build income through WFG, and options to become a client or business owner. Key details include: - WFG is a financial services company made up of an insurance agency and mutual fund dealer that offers products like mutual funds, insurance, and retirement plans. - Their mission is to help families achieve financial independence and their vision is to build the world's best financial services organization. - Associates can build income by helping families and receiving commissions, with examples showing potential monthly earnings ranging from $2,520 to $15,480. - Options

1. For use in Canada only

2. 2
Who We Are
World Financial Group Insurance Agency of Canada
Inc., a life insurance agency, and WFG Securities of
Canada Inc., a mutual fund dealer,
together form World Financial
Group of Canada (WFG).
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A financial services company
whose associates, through
affiliated companies, offer a
broad array of financial
products and services. A
company built with your family
in mind that believes, with
your help, we can achieve
anything.

3. 3
Who We Are
Our Mission:
To help families achieve
financial independence.
Our Vision:
To build the world’s best and largest
financial services marketing organization.
Our System:
Powerful proven solutions for building
a successful business.
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4. 4
AEGON N.V. is one of
the world’s leading life
insurance and pension
groups, and a provider
of investment products.
AEGON N.V.’s major
operations are in the United
States, the Netherlands and
the United Kingdom, and it is present
in a number of other countries including
Canada, Hungary, Slovakia, Spain and Taiwan.
AEGON N.V. was ranked one of the world’s top com-
panies in 2007 by Forbes in its annual ranking of the
world’s biggest and most powerful public companies.1
Building On Strength
World Financial Group
Insurance Agency of Canada Inc.
&
WFG Securities of Canada Inc.–
companies
1 The Forbes Global 2000 is a comprehensive list of the world’s biggest and most powerful companies based on a
composite measure of sales, profits, assets and market value. Published March 29, 2007 on Forbes.com.

5. 5
Strategic Alliances to Better
World Financial Group of Canada offers a diversified product portfolio
designed to meet the financial challenges of today’s consumers.
WFG and its affiliates are aligned with some of the most respected
companies in the financial services industry. Products offered through
these alliances include:
2 Mutual funds, and Scholarship Plans in select provinces, are offered through WFG Securities of Canada Inc., a member
of IFIC and MFDA. Life insurance and SEG funds offered through World Financial Group Insurance Agency of Canada
Inc. Headquarters: 3700 Steeles Avenue W., Suite 400, Vaughan, ON L4L 8M9. Phone: 905.265.9005. Fax:
905.265.9044. Mutual Fund products and investments are sold by prospectus only and are not insured, may lose value
and there is no bank guarantee.
3 Mortgage referrals offered through World Financial Group of Canada. WFG representatives do not offer legal or
mortgage advice or provide mortgage documents. Consultation with a mortgage broker representative is
recommended.
4 Maintains current selling agreements with World Financial Group Insurance Agency of Canada Inc.
Serve The Consumer
Mutual Funds2
Annuities2
Life Insurance2
Critical Illness Insurance(CI)2
Disability Insurance(DI)2
Segregated Funds2
Registered Retirement Savings Plans2
Educational Savings Plans2
Product Providers include:
4
4
Mortgage Referrals3

6. 6
The Passion
Driven by our passion, World
Financial Group of Canada is
committed to:
Helping people who desire to
help themselves.
Reaching out to individuals and
families from all walks of life who
are overlooked by the financial
services industry.
Educating individuals, families and
business owners that the financial
choices they make today will be
critical in determining their
financial futures.
Behind Our Mission

7. 7
The Passion
WFG empowers clients with the tools
they need to help them make informed
choices to meet today’s challenges of:
Staggering consumer debt
Poor savings habits
Alarming lack of education
about financial fundamentals
Living dangerously above
one’s means
Insufficient insurance protection
Behind Our Mission

8. 8
The Need Exists
World Financial Group of Canada is
positioned to help people take important
steps toward their future and answer some
of today’s most common questions:
Will I ever be able to retire?
How do I start saving and investing?
When can I buy a home?
How can I reduce debt?
How can I protect my family?
How can I afford to give my
child a good education?

9. 9
Our Solution
5 The WFG Financial Dream Map is a suitability and needs analysis that is based upon information
obtained from sources believed to be complete and accurate. However, discuss any legal, tax or
financial matter with the appropriate professional. Neither the information presented nor any opinion
expressed constitutes a solicitation for the purchase or sale of any specific security or financial service.
5
Performance The WFG Financial Dream Map™

10. 10
Increase Cash Flow & Manage Debt
How can I increase cash flow
and better manage my debt?
How can I reduce my monthly
expenses and increase my
discretionary income?
For most families:
House = Largest Asset
Mortgage = Largest Liability
WFG associates through the mortgage referral program and other
services may be equipped to help their clients address most debt
management needs.
Dreaming to Doing®
WFG:Helping You Move from

11. 11
WFG: Focus on Financial
Seven Keys to Investing in Your Future
1. Professional Money Management
People lack the time, training and temperament.
2. Wide Diversification
A diverse investment plan can lower risk.
3. Dollar Cost Averaging6
Take advantage of down markets.
4. Long-term Thinking
Focus on the long-term goal,
not short-term result.
5. Tax Advantages
Understand tax advantage products.
6. Protection
An important part of planning for your
financial future is protecting what you’ve built.
7. Goals & Objectives
WFG: Your Dreams, Our Strategies™.
Fundamentals
6 Dollar Cost Averaging does not assure a profit or protect against a loss in a declining market. Such a plan involves continuous
investment in securities regardless of fluctuating price levels. An investor should consider his financial abilities to continue his purchases
through periods of low price levels.
7 Tax and/or legal advice not offered by World Financial Group Insurance Agency of Canada Inc., WFG Securities of Canada Inc.. or their
affiliated companies. Please consult with your personal tax professional or legal advisor for further guidance on tax or legal matters.

12. 12
Develop a clear picture of where you want to go.
Set goals.Design a program to outpace inflation and reduce taxation.
Put The Rule of 728
to Work for You
You can determine what kind of savings plan works best for you and your budget by using The Rule of
72 – dividing 72 by the interest rate to estimate the number of years it takes for your money to double.
Building Financial Independence
8 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.
$10,000
$20,000
$40,000
$80,000
29
41
53
65
6%
Age
Money doubles every 12 years
$10,000
$20,000
$40,000
$80,000
$160,000
29
38
47
56
65
8%
Age
Money doubles every 9 years
12%
Age
$10,000
$20,000
$40,000
$80,000
$160,000
$320,000
$640,000
29
35
41
47
53
59
65
Money doubles every 6 years
29
47
65
$10,000
$20,000
$40,000
Age 4%
Money doubles every 18 years

13. 13
of Investment
Historical
PerformanceMarkets 1940-2007
©2008 Morningstar, Inc. All rights reserved. Used with permission. Note: This chart does not reflect past or future performance of any specific product. The graph illustrates the hypothetical growth of a $1 investment in five asset classes, as well
as inflation. (Data: January 1940 – Deccember 2007) This chart is for illustrative purposes only and is not indicative of any investment. The data assumes reinvestment of all income and does not account for taxes or transaction costs. The
average return represents a compound annual return. Government bonds and Treasury bills are guaranteed by the full faith and credit of the Canadian government as to the timely payment of principal and interest, while stocks are not guaranteed
and have been more volatile than the other asset classes. International investments involve special risks such as fluctuations in currency, foreign taxation, economic and political risks, and differences in accounting and financial standards. U.S.
large stocks are represented by the Standard & Poor’s 500®, which is an unmanaged group of securities and considered to be representative of the stock market in general and U.S. small stocks are represented by the fifth capitalization quintile
of stocks on the NYSE for 1940–1981 and the performance of the Dimensional Fund Advisors, Inc. (DFA) U.S. Micro Cap Portfolio thereafter. Canadian stocks are represented by a Morningstar-calculated total return series extrapolated from the
S&P/TSX Composite Index capital appreciation series through January 1956 and the S&P/TSX Composite Index total return series thereafter. Canadian bonds are represented by a Morningstar-calculated total return series for 10+ year Bank of
Canada bond yield until August 1976, the Scotia Capital 10+ year governent bond until December 2006 and the Citigroup Canada 10+ year government bond thereafter, Treasury bills by a Morningstar-calculated total return series for 90-day
Bank of Canada Treasury bill yield until January 1953 and the TSX DEX 91-day Treasury bill thereafter, and Canadian inflation by the Consumer Price Index from Statistics Canada. An investment cannot be made directly in an index. All values
presented herein are in Canadian dollars.

14. 14
Distribution:
This illustration considers how much a person in the 22%
tax bracket could accumulate, depending on the distribution
program chosen, if he or she were to save $5,000 a year
With Your Best Interest In Mind
over 30 years at a 5- or 10-percent rate of return.9 Annual after-tax income
reflects amount available without ever touching the principle.
9 Assumes 22% tax bracket. The rates of return chosen are for illustrative purposes only and should not be viewed as
an indication of performance for any particular investment. Rate of return is a hypothetical example for illustrative
purposes only and does not reflect the actual investment in any product. They do not reflect the performance risks,
expenses or charges associated with any actual investment.
AT A 10% RATE OF RETURN (ROR)
AT A 5% RATE OF RETURN (ROR)
$904,717.12
$90,471.71/yr
$904,717.12
$70,567.94/yr
$588,641.58
$45,914.04/yr
$348,803.95
$17,440.20/yr
$348,803.95
$13,603.35/yr
$286,541.65
$11,175.12/yr

15. 15
Tax Advantages
Taxation: Potentially, the
Most Powerful Challenge
Facing Your Investments
You SPEND It THEY TAX IT
You SAVE It THEY TAX IT
You DIE THEY TAX IT
You EARN It THEY TAX IT

16. 16
Time can be your worst enemy or
your greatest ally. No matter where
you are in life, the key to building
an asset accumulation program is
to begin saving now. The sooner
you begin, the less money you will
need to put aside to create solid
savings for your future.
Following is an example of
monthly retirement savings
required to reach a $1 million
retirement goal with an interest
rate of 8 percent, tax deferred.10
10 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 performance.
40
35
30
25
20
15
10
5
$286.45 /mo.
$5,466.09 /mo.
$2,889.85 /mo.
$1,697.73 /mo.
$1,051.50 /mo.
$670.98 /mo.
$435.94 /mo.
$13,609.73 /mo.
Put Time on Your Side. Get Started Now.
The High Cost of Waiting
Years Until Retirement

17. 17
Consider Your Options
Option 1 – Client
If you are satisfied with your career and discretionary
income, consider becoming a client.
Take advantage of WFG’s strategies to help move
toward financial independence.
Possibilities

18. 18
Consider Your Options
Option 2 – Self-employed/Twin Career11
Licensed, quality profession with
a great training program
Earn supplemental income
through your personal efforts
Control your time
and create a career
on your terms
Potential positive
tax benefits of
self-employment
11 Part-time/Twin-careers not available in all provinces.
Possibilities

19. 19
12 Eligibility/availability governed by
governing plan documents.
Consider Your Options
Option 3 – Business Owner
Using our system, build a WFG business
as big as your commitment and vision
Take advantage of a variety of incentives, including:
• Supervisory overrides
• Renewals
• Trails
• Bonus pools
• Stock options12
• Entrepreneurial program
Possibilities

20. 20
Building Income
The following example shows how helping one family results in $1,800 of
commission13 paid to the field. For this example, the commission amount
is based on an average Universal Life (UL) insurance policy14 sale to a 40-
year-old male who is contributing $150 per month to the UL.
Per Month Per Year
Associate14,15 $2,520 $30,240
(Helps four families per month)
Qualified Marketing Director16,17 $4,680 $56,160
(Helps four families per month)
13 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.
14 Commission amount may vary based on product type and size of purchase.
15 Please be aware that insurance products are sold by prospectuses, which contain more information about the product’s fees, charges and
limitations. Be certain to perform a thorough review of the entire prospectus. Historical performance does not guarantee future investment
results.
16 This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or will
be achieved. Income is earned from sales of World Financial Group authorized products and services. 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 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 Jan, 1, 2007, WFG Associate contract level of 35%, Qualified Marketing
Director contract level of 65%, Qualified Marketing Director override level of 30%.
17 Associates of World Financial Group are independent contractors, regardless of field title/designation.
through
World Financial Group13

21. 21
16 This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or
will be achieved. Income is earned from sales of World Financial Group authorized products and services. 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
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 Jan, 1, 2007, WFG Associate
contract level of 35%, Qualified Marketing Director contract level of 65%, Qualified Marketing Director
override level of 30%.
17 Associates of World Financial Group are independent contractors, regardless of field title/designation.
18 Example assumes all Qualified Marketing Director’s team members are at the Associate level.
Qualified Marketing Director with a five-person team16,17,18
Per Month Per Year
Only Qualified Marketing Director’s team $10,800 $129,600
members18 helps four families per month
Only Qualified Marketing Director’s and each $15,480 $185,760
team members18 help four families per month
through
Building Income
The following example shows how helping one family results in $1,800 of
commission13 paid to the field.12,13 For this example, the commission
amount is based on an average Universal Life (UL) insurance policy14 sale
to a 40-year-old male who is contributing $150 per month to the UL.
World Financial Group13

22. 22
The WFG environment allows
ordinary people to achieve
extraordinary things.
WFG Recognition & Rewards:
People
In order to qualify for participation in contests, and to receive prizes and awards, an individual must be in good standing with World Financial Group and its affiliated companies.
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.

23. 23
WFG Recognition & Rewards:
Rewards
The WFG environment allows
ordinary people to achieve
extraordinary things.
In order to qualify for participation in contests, and to receive prizes and awards, an individual must be in good standing with World Financial Group and its affiliated companies.
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.

24. 24
WFG Recognition & Rewards:
Recognition
The WFG environment allows
ordinary people to achieve
extraordinary things.
In order to qualify for participation in contests, and to receive prizes and awards, an individual must be in good standing with World Financial Group and its affiliated companies.
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.

25. 25
Take the Next Step
Three major reasons to choose WFG:
A tremendous marketplace exists
for WFG’s services.
Income earning potential as
an associate.
Opportunity to help others while
helping yourself and your family.
Now the time has come to …
Decide which options are
right for you.
Pick up additional information.
Set up a follow-up interview and
get your questions answered in
the next 24 to 48 hours.
A GOOD OPPORTUNITY
ONLY BECOMES GREAT
WHEN YOU ACT ON IT.

26. 26
World Financial Group Insurance Agency of Canada Inc. offers life insurance and
SEG funds. Mutual funds, and Scholarship Plans in select provinces, are offered
through WFG Securities of Canada Inc. Headquarters: 3700 Steeles Avenue W.,
Suite 400, Vaughan, ON L4L 8M9.
Phone: 905.265.9005. Fax: 905.265.9044
©2008 World Financial Group, Inc. Printed in Canada 0664CN-m/5.08