This document outlines the process and requirements for new representatives to be promoted through different tracks within the Virtual Financial company within 90 days. It details the roles of the financial inviter, manager, and consultant who work together to onboard new reps. The reps progress through 6 tiers: contacting prospects, registering with the company, a financial needs analysis, setting up marketing systems, and completing promotion requirements within 10 days to advance. The guidelines provide 3 promotion tracks for reps to choose from to become a Vice President or Senior Vice President based on the number of agents recruited and total premium amounts generated within the timeframes.

1. Senior Vice President
90-Days or Less
The VF System Flow Chart
The System Builds Your Business
Speed is Your Friend – Time is Your Enemy
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2. FINANCIAL INVITER
• Contacts and invites
candidates interested in
opening their own virtual
business across the U.S.A. and
Canada.
• Uses proven virtual platform,
systems, and tools to attract
and screen candidates in the
first phase of the interview
process.
• Advances qualified candidates
to Financial Manager for
additional interviewing to
determine fit and suitability.
Earns 65%
of Contract Level
FINANCIAL MANAGER
• Conducts in depth interviews
to determine mutual fit and
suitability for company and
candidates.
• Mentors both the Inviter and
candidate. Provides access to
training to both the Inviter
and candidate assuring both
have a fast start.
• Schedules interviews for the
Inviter and the candidate
with the appropriately
qualified Financial
Consultant.
Earns 65%
of Contract Level.
FINANCIAL CONSULTANT
• Experienced financial services
professional. Meets all clients
in a 100% collaborative and
100% virtual environment.
• Clients are referred to the
Financial Consultant by a team of
Financial Inviters and Financial
Managers.
• Conducts the confidential,
comprehensive, Financial Needs
Analysis using our proprietary
software to help clients determine
their goals and clearly map out
their plans to achieve them.
Earns 35-100%
of Contract Level.
Three Powerful Professional Positions at Virtual Financial.
Choose the one, two or three positions that best fit you.
Or start with one and add others as you go.
Inviter w/ Manager
Manager
Manager
ConsultantConsultant
Manager
The Virtual Financial
Specialist Assembly Line System
Gets You Started Fast!
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3. Senior Vice President in 90-Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
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4. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
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5. PROMOTION GUIDELINES - THE COMPANY TRACK - THE STANDARD TRACK - THE FAST TRACK
– Which Track Will You Select to Take You to Senior Vice President? –
See VF Promotion Guideline Brochure for complete details.
Transamerica
Compensation
82%
36% overrides
9% Bonuses
(Total:127%)
63%
57%
44%
30%
COMPANY TRACK
Promotion
Requirements
50 Agents
$ 150,000 Premium
25 Agents
$ 100,000 Premium
10 Agents
$ 50,000 Premium
5 Agents
$ 25,000 Premium
Training Exchange = 1st Sale
0 Agents
$ 0 Premium
STANDARD TRACK
Promotion
Requirements
25 Agents
$ 75,000 Premium
(Or, About 74 Agents at $85/month)
12 Agents
$ 50,000 Premium
(Or, About 49 Agents at $85/month)
Earn PHASE 2 Promotion
Help 2 Agents Complete Phase 1 Within 30 days
of Your Transamerica Appt
$2,040 Premium
Inviter = $583 Commission
Inviter + Consultant = $897 Commission
Earn PHASE 1 Promotion
Within 10 days of Your Tier 4 Appt w/ Mgr
Training Exchange= $85/Month Sale
0 Agents
$ 0 Premium
FAST TRACK
Promotion
Requirements
25 Agents
$ 75,000 Premium
(Or, About 21 Agents at $300/month)
Earn PHASE 2 Promotion
Help 3 Agents Complete Phase 1 Within 30 days of
Your Transamerica Appt
$10,800 Premium
Inviter = $4,001 Commission
Inviter + Consultant = $6,156 Commission
Earn PHASE 1 Promotion
Within 10 days of Your Tier 4 Appt w/ Mgr
Training Exchange = $300/Month Sale
0 Agents
$ 0 Premium
Agent
Title
Sr. Vice President
(Vested)
Vice President
(Vested)
Agency Manager
Field Manager
Training Rep
Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy

6. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
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7. A B C
A,B,C or D?
(Scale of 0-10)
(Via Live Call)
Send
Intro
Videos
Dump,
Next
Remember: # of people watching both videos + immediate follow-up = $ucce$$
CONFIRM
“Watched
Both Videos?”
(Via Live Call)
Tier 1 – Inviter, Manager
CONTACT
Social
Media
Warm Market
Cold
Market
Calls
Texts
Emails
Social Media
Landing-
pages
Dump,
Next
Inviter
Manager
( 0 )D
Next
Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
“Are you open to looking at a solid business project on the side, if the money is right?” (No => Next)
(Yes) =>“There are 2 videos that will give you a good idea of magnitude of the opportunity and a good overview
of the business. Together they are only about 30 minutes. Can you watch them now?” (Yes => Send Intro Videos)
“Did you watch BOTH videos?”
(No – Didn’t watch both videos - 1st Time )=> Reschedule within 24-hours & Resend Company Email 1
(No – Didn’t watch both videos - 2nd Time) => Dump, Next
“Pretty EXCITING VIDEOS, what did you LIKE MOST ABOUT THEM?”
(They Are Not Excited) => Dump, Next
(They Are Excited) =>
Schedule ABC with Manager & Put notes in CRM
CONTACT Script:
CONFIRM Script:
(Yes) =>
(10)A
(6-9)B
(1-5)C
COMMIT
(Via Live Call)
Dump,
Next
Tier 2/Startup
Tier 3/F N A
Send
VIP
Demo
“The next step is a call with my manager…”
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8. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
Tier 2 – Manager – The Registration
• Registering new Rep: New Rep is in front of computer for 1-hour, $159/$189
and has credit card ready.
•Register for…
• Rep’s Homework: Watch the Fast Start School (FSS) (Ok to watch these like a
movie.)
• Show Rep the Promotion Guidelines on FSS page (Watch this until understood.)
• Stress Rep watch Promotion Guidelines (PG) until understood, to select the
Promotion Track they want to run on. (Company, Standard or Fast Track.)
• Set Tier 3 within 48 hours of this Tier 2.
• Let Rep know it is essential for their Spouse to be present for the Tier 3.
• Resend Company Email 1 for spouse to watch both videos prior to Tier 3.
• After completing Tier 2, notify Inviter to confirm their non-resident licensing.
1. VF Emails 2. Virtual.Financial
5. ExamFX4. VFGPro.com
3. Rep #
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9. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
Tier 3 – Consultant – The FNA
• Consultant reads ALL Notes from Inviter and Manager
• Inviter introduces and edifies the Consultant
• Consultant asks if Rep watched all 3 videos. (The Fast Start School and the Promotion
Guidelines?)
• If “YES”
• Consultant proceeds with the Tier 3 FNA as outlined in VF University.
• Note Rep’s suitability for plan(s) in CRM for Manager.
• Set both Tier 4 and Tier 5 within 12-48 hrs of this Tier-3
and note the date and time of each in the Notes.
• Encourage the Rep to watch Promotion Guidelines again before Tier 4.
• If “NO”
• STOP!
• Reschedule Tier 3 to occur within 48 Hours
• Instruct Rep to watch entire Fast Start School (3 Videos)
• Show the Promotion Guidelines video & chart on FSS page
• Stress they watch the 3rd Video – The Promotion Guidelines
• Note in CRM, the Rep did not watch FSS & PG - Manager must know!
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10. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
Tier 4 – Manager – The CRM
1. Set up Rep’s Marketing System & register in CRM
2. Show Rep how to Add Contacts:
• Must have: 1. First Name, 2. Last Name, 3. e-mail, 4. Phone, 5. State & 6. Time Zone.
3. Show Rep How to Manage Prospects: For each prospect, the Rep needs to…
• Add Manager # and Additional Rep #, then Click “Update”, then Click “Refresh”
• Add Notes: 1. How you known them, 2. Demographics: (Age, Married, Single, Kids, etc.),
3. Occupation(s) for Contact (& spouse if known) , 4. Interests/Hobbies etc.
• SAVE YOUR NOTES: Click the Pencil, Click “Update”, Click “Refresh”
4. Read to them “Tier 4/Building Your Database” pdf. (DO NOT SEND TO REP UNTIL STEP 8 BELOW.)
5. Assign Rep to enter 20 contacts in their CRM for their LAUNCH CAMPAIGN initiated on their Tier-6.
6. Show Promotion Guidelines …
• Ask, “Which track do you choose to run on?” (Any track is a winner!)
• Then ask, “Are you going to use your suitable plan(s) to take care of it?”
7. Show your CRM…
• Let them know you are going to put the track they chose into the CRM notes for the Consultant.
• Show Rep you are starting their 10-day clock to complete Phase-1
8. Send Rep “Tier 4/Building Your Database” pdf (SEND NO OTHER SCRIPTS.) Confirm they received it.
9. Make sure the Inviter follows up every 24-48 hours – “How many Contacts have you entered? (Check
their work.) If Inviter fails to do so, take on that role.
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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18. PROMOTION GUIDELINES - THE COMPANY TRACK - THE STANDARD TRACK - THE FAST TRACK
– Which Track Will You Select to Take You to Senior Vice President? –
See VF Promotion Guideline Brochure for complete details.
Transamerica
Compensation
82%
36% overrides
9% Bonuses
(Total:127%)
63%
57%
44%
30%
COMPANY TRACK
Promotion
Requirements
50 Agents
$ 150,000 Premium
25 Agents
$ 100,000 Premium
10 Agents
$ 50,000 Premium
5 Agents
$ 25,000 Premium
Training Exchange = 1st Sale
0 Agents
$ 0 Premium
STANDARD TRACK
Promotion
Requirements
25 Agents
$ 75,000 Premium
(Or, About 74 Agents at $85/month)
12 Agents
$ 50,000 Premium
(Or, About 49 Agents at $85/month)
Earn PHASE 2 Promotion
Help 2 Agents Complete Phase 1 Within 30 days
of Your Transamerica Appt
$2,040 Premium
Inviter = $583 Commission
Inviter + Consultant = $897 Commission
Earn PHASE 1 Promotion
Within 10 days of Your Tier 4 Appt w/ Mgr
Training Exchange= $85/Month Sale
0 Agents
$ 0 Premium
FAST TRACK
Promotion
Requirements
25 Agents
$ 75,000 Premium
(Or, About 21 Agents at $300/month)
Earn PHASE 2 Promotion
Help 3 Agents Complete Phase 1 Within 30 days of
Your Transamerica Appt
$10,800 Premium
Inviter = $4,001 Commission
Inviter + Consultant = $6,156 Commission
Earn PHASE 1 Promotion
Within 10 days of Your Tier 4 Appt w/ Mgr
Training Exchange = $300/Month Sale
0 Agents
$ 0 Premium
Agent
Title
Sr. Vice President
(Vested)
Vice President
(Vested)
Agency Manager
Field Manager
Training Rep
Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
11.0

19. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
Tier 5 – Consultant – The Recommendation
• Consultant reads Manager’s notes for Rep’s track commitment.
• Consultant proceeds with the Tier 5 Recommend as outlined in the
VF University video.
• Consultant outlines plans that are suitable for the client.
• “Based on the notes from the Manager, I see you would like to use your
suitable plan to qualify for the -Track.”
• “The plan I designed provides you and your family with the coverage
and living benefits and tax-advantaged cash accumulation (IUL) that
address your needs and goals.
• “This is a Win-Win-Win-Win ”
• Death Benefit
• Living Benefits
• Tax Advantaged Cash Accumulation and Income (IUL)
• Accomplish your Fast Track/Standard Track Promotion
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20. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
• Ask which option they want: A or B
• A – START building your business NOW
while you’re getting licensed.
or
• B – WAIT to start building your business
until AFTER you’re licensed.
• “Study. Study! Study!!”
• Manager calls Rep every 24-48 hours
– Keep them on track –
- “Where are you in your studying?”
- “How many of contacts are in CRM?”
- “Have you scheduled your test yet?”
- “When do you take your test?”
- “Congratulations, you passed your test!”
• Confirm 20 Contacts in CRM
• Show & Roll Play Contact & Confirm Scripts until Rep is
comfortable. Explain the ABC Script is what the Experienced
Inviter/Manager read to the prospect.
• Reinforce notes & show scheduling calls on Mgr’s cal.
• Send the Contact, Confirm & ABC Scripts
• Show Rep the training videos that teach how to…
• Get Appointed with TLIC & TPLIC
• Order Non-Resident Licenses,
• Set-up E&O Insurance,
• Access Approved AML Training,
• Set-up Direct Deposits
• Give VF University Password: “ ”
• Set next appt <72-hrs to start building their business.
• Show Rep you are starting their 30-Day Clock to
complete Phase 2.
• Introduce WealthWave 360 (Enroll - optional)
• Video on VF University title page
• Initiate the LAUNCH CAMPAIGN
• Follow-up every 24-48 hours
• “How many Tier-1 Contact/Confirms have you made?”
• Rep is Licensed• Rep is NOT Licensed
Tier 6 – Manager – Let’s Start Building!
• Confirm the Rep has 20 Contacts in the CRM
with: 1. First Name, 2. Last Name, 3. e-mail, 4. Phone, 5. State 6. Time Zone, and 7. NOTES
• IMPORTANT: If <20 Contacts in CRM, or Notes are incomplete, STOP & Reschedule Appt <72 hours.
CONTACT
Social
Media
Warm Market
Cold
Market
Calls
Texts
Emails
Social Media
Landing-
pages
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21. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
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28. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
Prospects
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29. PROMOTION GUIDELINES - THE COMPANY TRACK - THE STANDARD TRACK - THE FAST TRACK
– Which Track Will You Select to Take You to Senior Vice President? –
See VF Promotion Guideline Brochure for complete details.
Transamerica
Compensation
82%
36% overrides
9% Bonuses
(Total:127%)
63%
57%
44%
30%
COMPANY TRACK
Promotion
Requirements
50 Agents
$ 150,000 Premium
25 Agents
$ 100,000 Premium
10 Agents
$ 50,000 Premium
5 Agents
$ 25,000 Premium
Training Exchange = 1st Sale
0 Agents
$ 0 Premium
STANDARD TRACK
Promotion
Requirements
25 Agents
$ 75,000 Premium
(Or, About 74 Agents at $85/month)
12 Agents
$ 50,000 Premium
(Or, About 49 Agents at $85/month)
Earn PHASE 2 Promotion
Help 2 Agents Complete Phase 1 Within 30 days
of Your Transamerica Appt
$2,040 Premium
Inviter = $583 Commission
Inviter + Consultant = $897 Commission
Earn PHASE 1 Promotion
Within 10 days of Your Tier 4 Appt w/ Mgr
Training Exchange= $85/Month Sale
0 Agents
$ 0 Premium
FAST TRACK
Promotion
Requirements
25 Agents
$ 75,000 Premium
(Or, About 21 Agents at $300/month)
Earn PHASE 2 Promotion
Help 3 Agents Complete Phase 1 Within 30 days of
Your Transamerica Appt
$10,800 Premium
Inviter = $4,001 Commission
Inviter + Consultant = $6,156 Commission
Earn PHASE 1 Promotion
Within 10 days of Your Tier 4 Appt w/ Mgr
Training Exchange = $300/Month Sale
0 Agents
$ 0 Premium
Agent
Title
Sr. Vice President
(Vested)
Vice President
(Vested)
Agency Manager
Field Manager
Training Rep
Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
11.0

30. Senior Vice President in 90 Days or Less – The VF System Flow Chart
The System Builds Your Business – Speed is Your Friend – Time is Your Enemy
VF Recruiting Cookbook
Start with 60
Then pass them thru
these filters
Number of
people
Number of
Points
Commission
(Inviter Only)
Commission
(Inviter & Consultant)
Pretty powerful videos,
what did you like most
about them?
66.7% 40
Final Interview Before
Invited to Join the
Company
50.0% 20
New Reps Who
Complete Fast-Track
Phase-1
80.0% 16 57,600 30,701$ 47,232$
New Reps Who Then
Complete Fast-Track
Phase-2
37.5% 6 64,800 10,530$ 16,200$
New Rep Becomes a
SVP
15.0% 1 64,200 7,929$ 12,198$
Totals: 186,600 49,160$ 75,630$
Candidates Who Have Watched Both Videos & Know This
is Not a Job
% who pass
the filter
Hypothetical results at SVP rank
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