In the deeply rooted Trillion Dollar industry of Life Insurance and retirement planning, changes comes infrequently and often grudgingly slow. Steeped in tradition and a tendency for the status quo, the massive industry is shrinking at an alarming rate and faces a crisis to grow distribution and replace agents lost to turnover and retirement.
Virtual Financial Group VFG has broken the code on this industry-wide dilemma with a decidedly fresh solution. As with most industry revolutions in the past 20 years, the solution is via technology. VFG ‘s proprietary high tech platform, cutting edge tools and unique online model is a true game changer in the world of financial services distribution building. "Working 'virtually', whether it be from a home office or while on vacation, is one of the new freedoms we can all experience. And from a business perspective, no longer do we have to maintain high overhead costs for buildings or transportation. The VFG model becomes a 'win-win' for agents and industry alike,"
The online model is well suited to today’s ever-busy consumers, agents of every experience level and the industry’s quest for efficiency. Technology is integrated at all levels of the operation from marketing, recruitment and training to online sales presentations and eApps, adding speed and sizzle to an industry often viewed as antiquated. The high tech elements bring the once out-dated processes in alignment with the use of technology eagerly adopted by many consumers and industries during the past decade.
VFG – with its revolutionary assembly line process or "Tier System" – allows a new type of individual to enter into the lucrative financial services field on a full or part time basis. While potentially lucrative, industry can be daunting for new agents and a tedious learning curve faces many. By dividing tasks into marketing functions and management, then delegating the sales process to experienced financial consultants the new agents roles are simplified. They can rapidly become Licensed "Virtual Internet Marketers" and focus on simply driving Internet traffic. Using a revolutionary online marketing system and automated follow up tools this fast track allows faster start up, shorter learning curve and opens the door to many who may otherwise be left behind. Additionally the model allows for rapid nationwide expansion and market reach with minimal costs instead of the high overhead slow growth approach of a brick-and-mortar business.
Virtual Financial Group celebrated their first year success and launched 2015 with an all-star cast of industry leaders in their revolutionary 3D online Virtual Convention Center. Attendees and speakers at this premier event included cutting edge technology companies, renowned authors, marketing mavericks and industry legends.
Speakers and contributors at VFG’s Virtual Conventions have included Tim Wallace CEO ipipeline, Lisa Farrell CMCMO 6connex, Patrick Kelly author “The Retirement M
In the deeply rooted Trillion Dollar industry of Life Insurance and retirement planning, changes comes infrequently and often grudgingly slow. Steeped in tradition and a tendency for the status quo, the massive industry is shrinking at an alarming rate and faces a crisis to grow distribution and replace agents lost to turnover and retirement.
Virtual Financial Group VFG has broken the code on this industry-wide dilemma with a decidedly fresh solution. As with most industry revolutions in the past 20 years, the solution is via technology. VFG ‘s proprietary high tech platform, cutting edge tools and unique online model is a true game changer in the world of financial services distribution building. "Working 'virtually', whether it be from a home office or while on vacation, is one of the new freedoms we can all experience. And from a business perspective, no longer do we have to maintain high overhead costs for buildings or transportation. The VFG model becomes a 'win-win' for agents and industry alike,"
The online model is well suited to today’s ever-busy consumers, agents of every experience level and the industry’s quest for efficiency. Technology is integrated at all levels of the operation from marketing, recruitment and training to online sales presentations and eApps, adding speed and sizzle to an industry often viewed as antiquated. The high tech elements bring the once out-dated processes in alignment with the use of technology eagerly adopted by many consumers and industries during the past decade.
VFG – with its revolutionary assembly line process or "Tier System" – allows a new type of individual to enter into the lucrative financial services field on a full or part time basis. While potentially lucrative, industry can be daunting for new agents and a tedious learning curve faces many. By dividing tasks into marketing functions and management, then delegating the sales process to experienced financial consultants the new agents roles are simplified. They can rapidly become Licensed "Virtual Internet Marketers" and focus on simply driving Internet traffic. Using a revolutionary online marketing system and automated follow up tools this fast track allows faster start up, shorter learning curve and opens the door to many who may otherwise be left behind. Additionally the model allows for rapid nationwide expansion and market reach with minimal costs instead of the high overhead slow growth approach of a brick-and-mortar business.
Virtual Financial Group celebrated their first year success and launched 2015 with an all-star cast of industry leaders in their revolutionary 3D online Virtual Convention Center. Attendees and speakers at this premier event included cutting edge technology companies, renowned authors, marketing mavericks and industry legends.
Speakers and contributors at VFG’s Virtual Conventions have included Tim Wallace CEO ipipeline, Lisa Farrell CMCMO 6connex, Patrick Kelly author “The Retirement M
Help Employees Reach Their Financial Goals - Regardless of the size of your business or the
type of benefits you provide, the Employee
Financial Resource Program offers you many
advantages • Highlights what you provide to your
employees as the foundation of their financial
security, which reinforces goodwill and helps
employee morale and retention
• May increase productivity as employees
gain more control over their financial future
• Allows you to distance yourself from offering
financial advice
• Facilitates offering another valuable benefit to
your employees, with no cost to you
Virtual Schools: Potential Solution for Equity and Quality Education for AllDina Ghobashy
In developing countries, public education systems, which enroll about 90 percent of all primary and 70 percent of all secondary students, face multiple challenges from overcrowded classrooms, lack of an incentives structure to shortage of qualified teachers and resources. These problems are expected to become more serious with the projected dramatic increase in the demand for schooling during the next decades. This presentation introduces virtual schools and the promise they hold in alleviating some of the current public education systems problems in achieving access and quality for all.
Technology Challenges of Virtual Worlds in Education & Training - Research di...Leonel Morgado
Talk at VS-GAMES 2013, Bournemouth University, closing the SLACTIONS workshop on Technology Challenges of Virtual Worlds in Education & Training towards widespread adoption. Roadmap towards the special issue on the same topic of the Journals of Educational Technology and Society, call open until November 2013.
Working across borders is becoming an increasingly complex experience. Succeeding in a global organization requires a specific set of virtual, cross-cultural and communication skills which ensure that working relationships thrive and all business objectives are surpassed.
This presentation examines best practices for managers with cross-border roles who want to succeed in complex global companies.
In this webinar, we will explore current best practices and resources for teaching science and science labs online. You will view online science courses, learn about resources for virtual labs, and meet with an online science teacher and Dr. Kemi Jona from iLabs.
Presentation of "Web-Based Physics Virtual Labs", held during the 10th Science Projects Workshop in the Future Classroom Lab, Brussels, 26-28 February 2016
Help Employees Reach Their Financial Goals - Regardless of the size of your business or the
type of benefits you provide, the Employee
Financial Resource Program offers you many
advantages • Highlights what you provide to your
employees as the foundation of their financial
security, which reinforces goodwill and helps
employee morale and retention
• May increase productivity as employees
gain more control over their financial future
• Allows you to distance yourself from offering
financial advice
• Facilitates offering another valuable benefit to
your employees, with no cost to you
Virtual Schools: Potential Solution for Equity and Quality Education for AllDina Ghobashy
In developing countries, public education systems, which enroll about 90 percent of all primary and 70 percent of all secondary students, face multiple challenges from overcrowded classrooms, lack of an incentives structure to shortage of qualified teachers and resources. These problems are expected to become more serious with the projected dramatic increase in the demand for schooling during the next decades. This presentation introduces virtual schools and the promise they hold in alleviating some of the current public education systems problems in achieving access and quality for all.
Technology Challenges of Virtual Worlds in Education & Training - Research di...Leonel Morgado
Talk at VS-GAMES 2013, Bournemouth University, closing the SLACTIONS workshop on Technology Challenges of Virtual Worlds in Education & Training towards widespread adoption. Roadmap towards the special issue on the same topic of the Journals of Educational Technology and Society, call open until November 2013.
Working across borders is becoming an increasingly complex experience. Succeeding in a global organization requires a specific set of virtual, cross-cultural and communication skills which ensure that working relationships thrive and all business objectives are surpassed.
This presentation examines best practices for managers with cross-border roles who want to succeed in complex global companies.
In this webinar, we will explore current best practices and resources for teaching science and science labs online. You will view online science courses, learn about resources for virtual labs, and meet with an online science teacher and Dr. Kemi Jona from iLabs.
Presentation of "Web-Based Physics Virtual Labs", held during the 10th Science Projects Workshop in the Future Classroom Lab, Brussels, 26-28 February 2016
Connect with us!
http://www.virtualassistant.org/
http://www.facebook.com/virtualassistantinc
http://virtualassistantinc.wordpress.com/
http://virtual-assistant-org.blogspot.com/
http://twitter.com/VAsocial
virtual assistant, virtual assistants, small business services, virtual business services, one stop business service, business assistant, virtual assistant, administrative services, business support, support system, back office infrastructure, services, advantages
This slideshow tries to explain why schools should care about VLEs and gives just a hint of what you might be able to achieve with a properly integrated one
Virtual Financial is one of the leading business providers in the business world. They have the highest level of services, and they provide the best deals to their customers. One can trust them blindly to unite with this industry.
Virtual Financial Group is most powerful virtual business & success system ever seen in the history of financial services. Mike Hinsvark & Chris Delfino are CEO & Founder of Virtual Financial Group (VFG), San Diego, CA. Virtual Financial Group Reviews are excellent in ratings for performance in Virtual Financial Services.
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.
In this Webinar, participants will learn:
- How your bank or financial institution can help and what questions to ask
- How your financial advisor can help and the types of services that they may provide
- The potential costs of what to expect
- How your insurance agent can help you with gathering info and services they provide
- RRSP/Investments – what to think about
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
1. The Virtual Advantage
With Virtual Financial Group your dream lifestyle can be closer to reality than you think.
Now is the time to build a business that serves your life, not one that is your life.
VirtualFinancialGroup.com
For recruiting purposes only
2. 2
INTRODUCTION
The last several years have been tough on our
country. Many families don’t feel financially secure
or have given up on their dreams of realizing the
lifestyle they had always imagined.
Many are not experiencing the true peace of mind
that comes from having their financial house in order
or having the emotional and financial benefits that
can come from having a successful and rewarding
career that does not sacrifice time with family.
Virtual Financial Group is committed to helping
families get on track to build and live the lifestyle
they have always dreamed possible.
3. 3
INTRODUCTION
Consider This From Three Perspectives
• Could this information help me or my family
financially?
• Do I know people who could benefit from
this message?
• Is this an intriguing opportunity for me?
4. 4
OUR TWO MISSIONS
1
Create a generation of people who
are disciplined and wise with their
money
2
Help our associates build strong
virtual businesses that provide a
great quality of life
5. 5
DRAMATIC MARKET NEED
• Most financial companies are focused on
the wealthy
• Consequently, most families are
dramatically underserved
• There is an overwhelming need but
insufficient distribution
At a time when a financial education is needed like never before,
the industry as been slow to respond, creating a huge opportunity
for you to capitalize.
6. 6
THE SITUATION OF MANY FAMILIES
•
Under protected and living with too much
debt.
•
Not saving, or if they are, not clearly
understanding why, or how much they need
to hit their ultimate goal.
•
Often don’t have a strategy, or are not making
enough money and are not sure what to do
about it.
WHAT HAPPENS
TO PEOPLE WHO
DON’T GET THE
HELP THEY NEED?
7. 7
THE PRICE THAT IS BEING PAID
A Lack of Financial Security Contributes to:
•
Loss of peace of mind
•
Stress and frustration in our homes
•
Negative impact on marriages and children
•
Lost sleep
•
Lost opportunities
•
Lost confidence
•
Lost hope
•
Lowered expectations
•
Battered dreams
If we really want to experience a true quality of life, we to have take
control of our financial situation once and for all.
8. 8
A DIFFERENT KIND OF COMPANY
Our Crusade:
• We need to share the insight and
understanding that the wealthy have with
every family we can reach.
• Families must set goals and have a clear
plan to reach them.
• We are driven by our desire to help the
American family get into a better, stronger
financial situation.
We are committed to this vision, almost everyone needs this help
9. 9
PRODUCTS AND SOLUTIONS
We start the process by doing a personalized Financial
Needs Analysis that takes a snapshot of a family’s
current financial situation. We then make recommendations based on their goals and objectives allowing
us to select the right products that best fit that family’s
individual needs
Virtual Financial Group’s Associates have access to
some of the most respected companies in the industry
today. This gives them access to a portfolio of leadingedge products designed to help families achieve financial
independence.
10. 10
BUILDING FINANCIAL INDEPENDENCE
One of the concepts that is often recommended is the blending of
Term Life insurance and Indexed Universal Life Insurance*. This
offers multiple benefits that can help today’s families get on track
financially.
This strategy provides some of these key features and benefits:
•
•
•
•
Protects your family if you die too soon.
Protects your account values from market loss, while
providing opportunity for upside potential as well.
Provides tax-advantaged accumulation and income
opportunities.
Offers Living Benefits that can protect a family in the
case of certain chronic, critical or terminal illnesses.**
*This is a hypothetical scenario for
example purpose only that is based on
the features and performance of a
leading Term Life Insurance product
and an Indexed Universal Life
Insurance (IUL) product.
**Guarantees are dependent on the
features, benefits, and claims-paying
ability of the issuing company.
Tax and/or legal advice is not offered by
or through Virtual Financial Group or
any affiliated companies. Please
consult with your personal tax
professional or legal advisor for further
guidance on tax or legal matters.
The main purpose of Life Insurance is
to provide a death benefit to the
beneficiary.
Loans and withdrawals will reduce the
policy value and death benefit. Loans
are subject to interest charges. If a
policy lapses while a loan is
outstanding, adverse tax consequences
may result, so please consult with and
rely on your tax advisor regarding your
particular situation.
All of these benefits come together in a dynamic solution that most
people don’t even know exists.
11. 11
BUILDING FINANCIAL INDEPENDENCE
Market Protection and Market Potential in One Solution!
Many people sacrifice the chance for market returns to have safety of
principal. Others sacrifice safety of principal for the chance to have better
returns. Indexing can give you access to both.
This is a hypothetical scenario for
illustrative purposes only and does not
reflect an actual investment in any
product or any actual client
experience. This graph is intended to
show how an annual point to point
index strategy could potentially work. It
does not reflect the
performance, expenses or charges
associated with any actual investment.
It should not be viewed as an indication
of performance for any particular
investment. Past performance is not an
indication of future performance. Tax
and/or legal advice is not offered by or
through Virtual Financial Group or any
affiliated companies. Please consult
with your personal tax professional
or legal advisor for further guidance on
tax or legal matters.
12. TAX ADVANTAGES OF INDEXED
UNIVERSAL LIFE INSURANCE
12
Indexed Universal Life also offers you certain tax
advantages such as:
• No income tax on potential cash value
growth so it grows tax deferred.
• No income tax on withdrawals through
policy loans so you can access most of your
cash value income tax-free.
• No income tax or estate taxes on the death
benefit to your beneficiaries.
This is a hypothetical example for
illustrative purposes only and does not
reflect any actual investment or product.
Tax and/or legal advice is not offered by
or through Virtual Financial Group or
any affiliated companies. Please
consult with your personal tax
professional or legal advisor for further
guidance on tax or legal matters.
The main purpose of Life Insurance is
to provide a death benefit to the
beneficiary.
Loans and withdrawals will reduce the
policy value and death benefit. Loans
are subject to interest charges. If a
policy lapses while a loan is
outstanding, adverse tax consequences
may result, so please consult with and
rely on your tax advisor regarding your
particular situation.
13. 13
WHY LIVING BENEFITS?
CANCER
Every 30 seconds a new case is diagnosed1
HEART DISEASE
Every 36 seconds someone has a heart attack2
1 ”Cancer Facts & the War on Cancer”
National Cancer Institute. 2012.
http://training.seer.cancer.gov/disease/
war/ (24 April 2012).
Every 40 seconds someone suffers a stroke3
2 ”About Heart Attacks” American Heart
Association. 12 June 2011.
http://www.heart.org/HEARTORG/Condi
tions/HeartAttack/AboutHeartAttacks/Ab
out-HeartAttacks_UCM_002038_Article.jsp (24
April 2012).
DIABETES
3 ”Impact of Stoke” American Stoke
Association. 18 April 2012.
http://www.strokeassociation.org/STRO
KEORG/AboutStroke/Impact-ofStroke_UCM_310728_Article.jsp (24
April 2012).
STROKE
The 7th leading cause of death in the U.S.4
4 Centers for Disease Control and
Prevention. National diabetes fact
sheet, 2011. Atlanta, GA: U.S.
Department of Health and
HumanServices; 2012.
Available from:
http://www.cdc.gov/Diabetes/pubs/pdf/n
dfs_2011.pdf
14. 14
THE FINANCIAL IMPACT OF ILLNESS
• The cost of severe heart attack – including
direct and indirect costs – is about $1 million.1
• 60% of all bankruptcies are due to medical
issues. Of those that filed for bankruptcy,
nearly 80% had health insurance.2
• One in four people with cancer delayed or
turned down recommended care because
of cost.3
1 Dr. Polly Galbraith, Vice President and Chief Medical Director at Assurant Employee Benefits. The Costs of Surviving
Cardiovascular Disease http://www.uphelp.org/news/costs-surviving-cardiovascular-disease-it%E2%80%99s-enough-give-you-heartattack/2013-03-12. (12 MARCH 2013)
2 “More People are Surviving Critical Illnesses…” United States Critical Illness Insurance Resource Center, 2012.
http://criticalillnesspolicies.com/insurance-coverage/critical-illness-statistics/ (13 April 2012).
3 “National Survey of Households Affected by Cancer” The USA Today/Kaiser Family Foundation/Harvard School of Public
Health, November 2006. http://www.kff.org/kaiserpolls/upload/7591.pdf (13 April 2012).
15. 15
THE LIVING BENEFIT SOLUTION
ONE SOLUTION
Living benefits are a revolutionary innovation that offers your family benefits you
can use while you are living. It’s a combined solution that can help protect your
family’s plans for today and tomorrow.
The main purpose of Life Insurance is to provide a death benefit to the beneficiary.
16. 16
WORLD CLASS BUSINESS PLATFORM
To Help You Succeed VFG offers:
•
Extraordinary leadership team
•
Superb business platform
•
Dedicated, committed home office team
•
Industry state-of-the-art software system to
manage and pay the field force
•
Commission System pays twice weekly – 80%
advance
•
Contracts with some of the most recognizable
and strongest brands in the industry
17. 17
VIRTUAL NATIONWIDE E-BUSINESS MODEL
•
The industry is changing!
•
Run a nationwide financial business from your home
office
•
Virtual Automated Marketing System
•
Cutting edge tools and resources for your business
success
•
Replicated websites, Social Media pages, mobile
sites and apps
•
Weekly Live Webinars for recruiting and sales
•
24/7/365 representative and client
videos, emails, training and support
•
Electronic applications and signatures
18. 18
CHOICE OF THREE POWERFUL POSITIONS
FINANCIAL INVITER
65% Contract
FINANCIAL MANAGER
Up to a 65% Contract
FINANCIAL CONSULTANT
35% to 100% Contract
•
Invite guests and prospects
to our recorded webinars
•
Get new reps to commit to a
fast start
•
Meet with clients online to
set up a suitable monthly
plan
•
Drive traffic to your
replicated websites
•
Schedule appointment with
Financial Consultant to
discuss their personal plan
•
Follow through the entire
underwriting process, stay
in communication with
client, keep referring inviters
and managers informed
•
Send proven e-mail
templates to prospects
19. 19
YOUR EARNING POTENTIAL
VFG’s Powerful Compensation Plan offers you the potential to generate an
incredible income stream for your family.
PER MONTH
Field Manager Invites one family
$833.48
$10,001.79
$3,333.92
$40,007.16
$17,441.57
$209,298.82
$30,777.29
$369,327.51
Field Manager Invites four families
Senior Vice President
Leads four Field Manager teams all helping four families/month
PER YEAR
Senior Vice President
Leads four Field Manager Teams all helping four families/month
and personally closes all the sales as the Consultant for his teams
Many people have experienced different levels of success with Virtual Financial Group, however individual experiences may vary. This does not intend to, nor does it represent that
any current member’s individual results are representative of what all participants achieve when following the VFG system. Membership in World Financial Group is required.
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 purchase.
This example is based on a leading Indexed Universal Life Insurance Policy and Term insurance Policy with a $3,663.66 gross commission payout. 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 the sales of World Financial Group authorized products and
services. No income is earned from 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 Virtual Financial Group (VFG). Personal percentages earned on products may
vary based on promotional level with VFG. As of Sept. 1, 2013 Virtual Financial Group Field Manager contract level of 35.6%, Senior Vice President contract level of 64%, Senior
Vice President override level of 28.4%.
Associates of World Financial Group and Virtual Financial Group are independent contractors, regardless of field title/designation.
20. 20
THE VIRTUAL ADVANTAGE
Traditional Industry
The VFG Virtual Model
•
•
Work from home or anywhere
•
Cost of phone, laptop and
replicated websites
Travel time - meetings &
appointments
•
Office and travel expenses
•
Area opportunity
•
50 state virtual reach
•
Credibility struggle for new
representatives
•
Delegate to experienced
professionals
More productive, more control of your time & quality of life
21. 21
PHILOSOPHY AND VALUES
Business Strength & Personal Strength,
Begins with Strength of Character
Honesty, integrity, dependability, trustworthiness, sense of
humor - these are the traits necessary to build enduring
relationships.
There is no substitute for strong core values.
We are a Family Focused Business
We involve and support the families of our associate.
We believe in teamwork in the home – this creates an
environment where we are happier and more effective.
We encourage our teammates and families to be optimistic
and never stop dreaming about how good life can be.
22. 22
TAKE A SERIOUS LOOK
At the Beginning of Our Presentation We
Asked You to Look at This Three Ways
1. Could this information help me or my family financially?
2. Do I know people who could benefit from this message?
3. Is this an intriguing opportunity for me?
NEXT STEPS
•
Discuss with your spouse and answer this question:
"Do we want an improved situation and a better quality of life bad enough to take
the next step?"
•
Connect within the next 24-48 hours with one of our Financial Managers for a
follow-up appointment.
•
When you set the appointment, please keep it.
23. The Virtual Advantage
Virtual Financial Group is a financial services marketing company that is associated with World Financial Group, Inc. (WFG)
A Transamerica Company. WFG is a financial services marketing company whose affiliates offer a broad array of financial products
and services. Insurance products offered through World Financial Group Insurance Agency, Inc. (WFGIA).
Virtual Financial Group Headquarters: 826 Orange Ave, Coronado, CA 92118. Phone 619.663.6607. VirtualFinancialGroup.com WFG and WFGIA
Headquarters: 11315 Johns Creek Parkway, Johns Creek, GA 30097 Phone 770.453.9300. WorldFinancialGroup.com.
This presentation is for recruiting purposes only.