The document outlines the offerings and opportunities of First Financial Security (FFS), an insurance broker company operating across all 50 states. It emphasizes recruiting potential agents using indexed products, the benefits of compound interest, and tax advantages associated with various insurance policies. The document also details the operational structure, compensation plans, and costs involved in joining FFS as a representative.

1. JCHT Team 2010
1

2. First Financial Security
• Insurance Broker Company
• Represented the Top and Largest
Insurance Companies in 50 States
• Headquarter in Norcross, GA
• Licensed in 50 States
• Specialized in Indexed Products
This is not a solicitation or offer to
purchase any product. FFS is not a
franchise. FFS does not charge any
fees for the right to engage in the
business of offering, selling or
distributing goods or services.
Use for recruiting purposes only.

3. Indexed Products
Upside
1% to 3%
Potential
Fixed Indexed Equity
Products Products Products
Safety of Risk of
Principal Principal
Use for recruiting purposes only.

4. Secret #1
Never Lose Money
Protection & Potential
Many people sacrifice return for safety, and other people sacrifice
safety for return. Indexing brings together the best of both.
$170,000
$100,000 Invested in 1997
$166,359 $166,359
$160,000
$155,476
$150,073 $152,488
$150,000
$149,937
$140,255
$140,000
$139,237 $134,631
$131,080 $133,977
$130,000
$126,925 $129,330
$120,000
$117,435 $122,504 $122,504
$114,490 $115,449
$110,000
The above graph is for recruiting $107,000
purposes only and does not reflect any
particular product or investment. Index $103,775 $105,012
Account assumes annual point to point $100,000
with a 7% cap. Large company stock
numbers provided by Yahoo Finance and $95,529
calculated by FFS. Results may vary.
$90,000
This is not a solicitation or offer to
purchase any product. FFS is not a 8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009
franchise. FFS does not charge any
fees for the right to engage in the Large Company Stocks Indexed Account
business of offering, selling or
distributing goods or services.
Use for recruiting purposes only. 4

5. Secret #2
Compound Interest
Compound Interest-The Rule of 72
Simply divide the number 72 by your expected rate of return to determine the
number of years it will take your money to double.
Age 4% Age 6% Age 8% Age 12%
Money doubles every 18 years Money doubles every 12 years Money doubles every 9 years Money doubles every 6 years
29 $10,000 29 $10,000 29 $10,000 29 $10,000
47 $20,000 41 $20,000 38 $20,000 35 $20,000
65 $40,000 53 $40,000 47 $40,000 41 $40,000
65 $80,000 56 $80,000 47 $80,000
65 $160,000 53 $160,000
59 $320,000
65 $640,000
“The most powerful force in the universe is compound
interest.” 1
- Albert Einstein
1richnow.wordpress.com "The person that understands compound interest will
Secrets of the rich revealed,
Don’t ignore The power of
earn it. The person that does not will pay it!“ 2
Compound Interest, Dec.6,
2006
2 - Albert Einstein
Ibeatmybank.com/see_how_it_
s_done.html 5

6. Secret #3
Tax Advantages
Pay taxes on the seed?
Pay taxes on the harvest?

7. Secret #3
Tax Advantages
Maximize Your Tax Advantages
Tax Tax Tax
Deductible Deferred Free
Contribution Accumulation Distribution
You can only get two of the three!
Which would you choose?
FFS nor any of its associates offer tax
advice. Please consult with your tax
professional.
Use for recruiting purposes only.

8. Different Types
of Life Insurance Policies
• Term Life • Universal Life
–10/20/30 years –Permanent
–Temporary –Add Riders with
–No Cash Value Extra Premium
• Whole Life –Fixed Interest Rate for
Cash Value
–Permanent • 2-4%
–Pay until age 100
–Fixed Interest Rate for
• Variable Life
Cash Value –Variable Interest Rate
• 2-4% • Depend on Stock Market

9. Life Insurance
“You don’t have to die to use”
• Life Insurance • Cash Value - Index
–Flexible Premium –Upside Potential
–Adjustable on Benefits Cap 12- 15%
–Permanent –Downside Protection
–Tax-free death benefit Min 1-3%
• Access to Death Benefit –Tax-deferred
in case of illness: –Tax-free distribution
–Terminal Illness • Potential Income
–Chronic Illness –Lifetime Income
–Critical Illness –Tax-free Income
–Tax-free benefits

10. Can You Afford
The Individual Policy?
Accelerated
Life Living
Retirement Disability Insurance Benefits
$200 + $200 + $200 + $200 = $800
Rejected!

14. Index Universal Life
Is The Best Vehicle for Saving
Missed Fortune
Video
Douglas Andrew

15. MSNBC News

16. Indexed Annuity
• Add 10% Premium Bonus on all 1st year
premiums
• Contract Value
– Upside Gain Potential (cap 30%)
– No Downside Risk
• Income Account Value
– Guaranteed 8% for the next 20 years
– Guaranteed Lifetime Income Benefit Rider

19. Indexed Annuity
News

20. Business Owner
Retirement Program
G1
COLLATERAL
ASSIGNMENT LOAN
CORPORATE
PRODUCT ENTITY
CLIENT TRANSFER
20

21. Business Owner
Retirement Program
• We fund the money as a Business Loan
• The owners select the investment product to invest
their loan
–Indexed Annuity
–Owners will earn the compound interest
• The Business Loan
– Pay simple interest from Business Check Book
–Tax write-off as a business expense
–10, 15, or 20 years or renewable for longer periods
• No personal guaranty is required
• This program starts as $100,000 loan
• Business starts at least 2 -5 yrs

22. Employee Benefits Program
• No Cost to Employers
• Contract is individually owned by Employees
 Employees can continue to fund the
contract(s) if employees terminate
employment
• Contribution Premiums
 Are made after-tax
 Are made via payroll deduction
 Grow tax-deferred
• Distributions are tax-free

23. Employee Benefits Program
Roth IRA Indexed Group
Indexed 401k Universal Term
Annuity Life
IRS Approved Premium Payments
YES YES EMPLOYEE EMPLOYER
Contributions/ Flexible Payments YES NO
After Tax Before Tax
Premiums
Employee Owned YES NO
Tax Deferred
YES YES Permanent Life YES NO
Guaranteed
YES NO Earned Cash Value
Principle YES NO
Guaranteed Guaranteed YES N/A
YES NO
Earnings Principle
Tax FREE Guaranteed YES N/A
YES NO
Distributions Earnings
Employee Owned Tax FREE YES N/A
YES NO
Distributions
Lifetime Income YES NO Lifetime Income YES N/A

24. Lifestyle Change
FFS offers you a risk-free opportunity to
build a business of your own with…
• No Major Investment • No Inventory
• No Franchise Fees • Unlimited Territory
• No Loss of Job Security • Unlimited Opportunity
• No Experience Required
The FFS opportunity is for everyone:
• Part-time Second Income Earner
• Personal Producer
• Business Builder
This is not a solicitation or offer to
Be in business for yourself not by yourself.
purchase any product. FFS is not a
franchise. FFS does not charge any
fees for the right to engage in the
business of offering, selling or
distributing goods or services.
Use for recruiting purposes only. 24

26. Revolutionary
Compensation
All FFS Compensation plans and
Promotion Standards are subject to
change without notice. Commissions
based on gross field payout. To ensure
quality growth throughout our
organization, all RMDs must validate for
their position by maintaining the
minimum leader legs and production
points required for that promotion level.
The validation period for RMDs and up
is a rolling 12 month period.
No more than 1/3 of promotion point
credit can come from any one leg’s
production. A recruit leg counts if they
have joined FFS, holds a valid
insurance license in their resident state,
and becomes appointed with FFS
preferred companies. Production
requirements are Super Team RMD
Base thru 6th Generation closed points
AV.
FFS pays 100% of gross commissions
on all products to the field.
FFS is a financial services company
marketing various insurance products GENERATIONAL OVERRIDES are earned once
throughout the U.S. To represent or you become an RMD or higher and are based on
earn a commission from FFS, you must what “generation” a leader is to you. For
be properly licensed and appointed in
your state. example, an RMD who personally reports to you
The examples in the brochure are for would be a 1st Generation and an RMD who
recruiting purposes only and are not a reports to him/her would be a 2nd Generation to
solicitation of any product.
you and so on. Generational Overrides are paid
**See current Company Override Pool, in addition to infinity overrides.
Diamond Club Pool, and SEFC Bonus
Pool guidelines for complete details.

27. Revolutionary
Compensation
All FFS Compensation plans and
Promotion Standards are subject to
change without notice. Commissions
based on gross field payout. To ensure
quality growth throughout our
organization, all RMDs must validate for
their position by maintaining the
minimum leader legs and production
points required for that promotion level.
The validation period for RMDs and up
is a rolling 12 month period.
No more than 1/3 of promotion point
credit can come from any one leg’s
production. A recruit leg counts if they
have joined FFS, holds a valid
insurance license in their resident state,
and becomes appointed with FFS
preferred companies. Production
requirements are Super Team RMD
Base thru 6th Generation closed points
AV.
FFS pays 100% of gross commissions
on all products to the field.
FFS is a financial services company
marketing various insurance products
throughout the U.S. To represent or
earn a commission from FFS, you must
be properly licensed and appointed in
your state.
The examples in the brochure are for
recruiting purposes only and are not a
solicitation of any product.
**See current Company Override Pool,
Diamond Club Pool, and SEFC Bonus
Pool guidelines for complete details. 27

28. Let’s Show The Money
How Much Do You Want to Make?

29. Get Started Now!
• Join FFS - $125 one time membership fee
• Pre-Licensing Class
– Fees: $160 (including training book & CDs)
– 2 days class (8 hours/per day in VA & MD)
• Life & Annuity Exam
– Fees: $58 (VA), $70 (MD)
• Life License
– Fees: $15 (VA), $59(MD)
– 2 years renewal
• Criminal Record Check
– Fees: $15 (VA)
• Purchase E&O Insurance (when you write on applications)
• Anti-Money Laundering for Insurance Producers
– Online Course
– Cost: Free
• Appointed with FFS and Insurance Companies by:
– Login: www.FirstFinancialSecurity.com