1 of 16

2 of 16

FMO

(FINANCIAL MARKETING ORGANIZATION)

3 of 16

4 of 16

Gen X

Minorities

Millennials

Gen Z

Women

5 of 16

6 of 16

3 PROBLEMS WE’RE SOLVING

3 PROBLEMS WE SOLVE

So in business, we get paid based on the size of the problems we solve. Here we are solving three main problems.

The first one we’re solving here is called DISTRIBUTION. If the average agent in our industry is a 61-year-old male, he’s not reaching everybody. We need distribution, guys. I’m a 38-year-old African-American male. I have access to a market that the average agent can’t get to. Therefore, John Hancock, AIG, Pacific Life, they’ll pay me very well to help teach people who look, talk, and act like me about money and finances.

The first problem we’re solving is distribution.

The second problem, guys, is FINANCIAL LITERACY. We don’t learn how money works in America. Not in high school. Not in college. Not at home. How do we learn? The school of hard knocks. Making mistakes in our 20s and our 30s, trying to recover by our 40s to get back on track in time for retirement by our 50s and 60s. It's not the best wisdom, but it’s all we know. We teach financial literacy here. How does your 401k work? Your 403b? IRA? Roth IRA? What’s tax code 7702? What’s an infinite banking concept? How does taxation and inflation impact my retirement and my wealth?

And last but not least, it’s ENTREPRENEURSHIP. I don’t care how old you are in America today. If you want to open a business,” you have to attract two of the largest living generations. That’s Gen Z’s and millennials. But we’re different. We were born between 1981 and 2010. Most of us don’t want to work a job for 40 years for a 401k making 45k a year. We want to travel, live our best life, get paid what we’re worth, and have an impact on our community and the world. Last time I checked, that’s very hard to do behind a desk or a kiosk. It requires entrepreneurship. But who’s teaching that today? No one really is.

And so those are the three main problems we’re solving. You’re probably wondering, How are we solving these problems?

I’m located in the DMV area, and we run free financial workshops here every Tuesday evening, Wednesday evening, Thursday evening, Saturday morning, and Saturday afternoon. We’re at max capacity. There’s a huge demand for what we do in our community.

7 of 16

3 WAYS

MONEY GROWS

8 of 16

3 WAYS MONEY GROWS

0 – 1%

- LOW%

Or a portion

- Lose All

Fixed

Variable

Indexed

20%

0-9%

SAFE

GROWTH

SAFE

= 9%

8%

= 8%

-38%

= 0%

$100

-50%

50%

$50

$75

Principal

Protection

S&P

IUL

GROWTH

It’s growing fixed, it’s growing variable, and it’s growing index. Have you heard of all three of these ways before? Now unfortunately, we’re normally only taught the first two here in America.

Now each way money grows has a plus and a minus to it, or pros and cons.

The first one here is fixed. What’s fixed? It’s going to be your checking account, savings, money market, or CD. For some people out there, a shoebox or money under a mattress?

Now what’s the plus of putting money in a shoebox or a bank account? It’s SAFE. It’s backed by the FDIC up to $250,000 per depositor. Now what’s the downside? Very little growth. Most average savings and checking accounts are earning between zero and one percent interest. It’s not even keeping up with inflation.

Looking at a growth chart over time, you get slow growth. Not the best place to grow money.

The second one here is variable. A lot of my clients have variable accounts due to employee-sponsored plans like 401ks invested into the SP500 (Nike, Google, Amazon), IRAs, 403bs, 457s, TSPs. Maybe you own cryptocurrency — XRP, Bitcoin. Maybe you have real estate investments. Maybe you’re investing into stocks or ETFs.

What’s the plus? Growth. You can experience phenomenal growth in the market. I believe in stocks. I believe in real estate. I love those concepts because they bring phenomenal growth. What’s the downside? Sometimes what goes up must come down. You can lose all or a portion of your money in variable accounts.

Looking at the last decade or so of what's happening in our current economy, we’ve seen ups and downs in the stock market. The market’s been up, down, up, down, crash

Then it resets.

The real question is this: how much money can you afford to lose? Most of my clients say none.

The last one here is Index. Keep in mind, index is not as popular as fixed and variable. Why? The average agent (61 yr old Caucasian male) is not reaching diverse markets. So a lot of my clients have never heard of it. It falls into two categories: fixed index annuities and index universal life. Both are insurance products. Insurance has a disposition to not lose value. You have a contract saying you’re guaranteed to never lose money in the account.

So the plus is it’s safe. What’s the catch? It’s usually capped on growth. In this example, let’s say you’re capped at 9%. You won’t go above 9%, but you’ll never go below zero.

When we say index, it’s tracking an index like the S&P 500 — companies like Tesla, Nvidia, Google, Microsoft, Disney. If you want growth tied to those companies without risk, index be the perfect strategy.

Here is an example of how it works

If the market’s up 20%, you get 9%.

If it’s up 8%, you get all 8%.

If the market’s down 38%, you get zero.

Zero is your hero.

When the market’s up, you’re up.

When it’s down, you’re flat.

When it's up you're up. Down your flat

It's like a stairwell to Financial freedom.

So if you had to choose between fixed, variable, and index, where would you put most of your money? Most of my clients say index. Some say fixed. A few say variable.

If anyone tells you to put all your money in one product, RUN.

I believe in ALL three. I believe in diversification of your portfolio.

Pretrial close: How many people that you know (family, friends, cowokers probably have never heard of an IUL before? Who's going to help educate them? You right! you have access to diverse markets which makes you very valuable.

-

So when it comes to fixed accounts, what do we enjoy most about our fixed accounts? Safety. We work hard for our money, and tomorrow morning we want it to be there, right? But the hard part is this — there’s no growth tied to fixed accounts. We like the safety, but we don’t enjoy the lack of growth. What should be in a fixed account? Most financial experts say three to six months of expenses should be set aside in a savings account or fixed account that you have liquid access to in case life happens. You can borrow, you can take money from it when you need to. Liquidity is there.

Now variable accounts — we enjoy the growth of our TSP, 401k, real estate investments, cryptocurrency, ETFs — but we don’t like losing money. So what should be in there? It’s really based on three factors: your age, your income, and your wealth.

The older you get, the less money you should risk in the market. There’s a rule in finance called the rule of 100. Take 100 minus your age. If you’re 50 years old, 100 minus 50 is 50. That means 50% of your portfolio should be in variable accounts. If you’re 20 years old, 100 minus 20 is 80 — that means 80% of your funds can be in variable investments because you can afford more risk. If you’re 65, 100 minus 65 is 35. That means only 35% of your portfolio should be in risky investments.

I meet clients all the time who are in their 50s and 60s and have 80% to 90% of their money at risk. That’s dangerous.

The next factor is income and wealth. If I make a million dollars a year, have low debt, and lose $2,000 in the market, am I hurting? No. It’s a drop in the bucket. But if I make $85,000 a year and lose $10,000, that hurts a lot more.

The last one here is index. It’s safe and it grows. It has the best of both worlds.

–

PRINCIPAL PROTECTION OF WEALTH

If you’ve ever heard of a guy named Warren Buffett, one of the greatest investors of all time, he has two rules of money.

Rule number one: do not lose money.

Rule number two: do not forget rule number one.

Here’s the problem. Most of us were only taught checking accounts and 401ks. Savings accounts, CDs, mutual funds, bonds, ETFs, crypto. When Warren Buffett says don’t lose money, he’s not saying put your money in the bank. He’s talking about principal protection.

Let’s use a simple example.

Say you have $100 in a variable account. The market drops 50%. How much do you have left? $50. Now the market rebounds 50%. Where are you now? You’re not back at $100. You’re at $75. Why? Because it takes twice as much growth to recover what was lost.

That’s why not losing money can be more important than making money.

So I always ask my clients — how are you currently growing money? Do you own any fixed accounts? Most people say yes. Do you own variable accounts like a 401k or real estate? Most people say yes. Then I ask — do you own any fixed index annuities or index universal life? And nine out of ten people say no. And when I ask why, they say, they've never heard of it.

Pretrial close: Now before this presentation have you ever heard of an IUL before?

If I can show you how an IUL can help achieve your financial goals, would you be open to setting up a no cost overview?

9 of 16

5 HOMES

OF MONEY

10 of 16

5 HOMES OF MONEY

SAFETY OF PRINCIPAL

TAX DEDUCTIBLE

TAX ADVANTAGE

GROWTH

SCORE

LIQUIDITY

Qualified Plans

3/5

Real Estate

2/5

Life Insurance

4/5

Stock Market

2/5

Banks

2/5

F

V

I

11 of 16

12 of 16

THE

CRUSADE

13 of 16

Earn Secondary Income as a

Life Insurance Agent

-

Death Benefit

$500,000

Term

$50 P/MO X 12MOS.

= $600

X 50% (FA)

$300

(1-2 hrs)

10-30 years

30 yrs

Cheap

- Expires

3

Death Benefit

$500,000

UL/IUL

$250 P/MO X 12 MOS.

= $3000

X 50%

$1500

(1-2 hrs)

$120

2. Cash Value 0% - 9%

3. Tax Free Access Tax Code 7702

4. Living Benefits

LTC & Disability

1. Permanent

4%

5. Private Pension Conversion

$500,000

TERM

The first concept we teach is term insurance. Term is simple. It covers you for a set period of time — 10, 20, 30 years. Say you have a relative with kids who owns a $500,000 house. We want to protect that family member so if anything were to ever happen their family would never have to worry about playing off the house. So with this term policy might cost them about $50 a month to leverage $500,000 of death benefit protection.

The insurance company pays you a 12 month advance based on what the client does month. In this example client is paying

$50 x 12= $600 annual premium. The average agent is at a 50% contract (that's me getting you promoted twice) you take home around $300 for 1-2 hours of work educating a client. Not bad part time income for a few hours of work protecting a loved one!

The client gets affordable protection.

The downside? The policy expires. And when you’re older, insurance costs more. It's a great product but not a once size fits all.

Transition: if you wanted protection for yourself, how long would you want it to last? For the rest of your life right?

The next product is Indexed Universal Life. This is permanent insurance. It covers you for life. Let's use the same example of your family member who had the house and needed 500k of protection.

How the IUL works a portion of the client's payment goes towards laying for that $500k of protection and the rest builds cash value. That cash value grows between zero and a cap, often up to 8%-12%, with no market losses.

In this example let's say a client is saving $250 per month. You get a 12 month advance ($250 x 12) = 3000 annual premium. At a 50% contract you take home $1500 for 1-2 hour of educating a client. That's $750 per hour! Where do you know that you can make $750 per hour legally? Not bad for part time income educating a client.

Does your current job pay you residual income? With this product you get 4% of that annual premium (3000) for the next 10 years every time the client renews this policy. In this example that's $120 of residual income.

Over time you will go from having 1-2 clients a month, to 1-2 clients a week, and in the future you will have hundreds of clients paying you residual income. That residual income adds up!

But what’s in it for the client?

Permanent protection.

Cash value growthuo to 12% in certain cases

Tax-free access under tax code 7702.

Access Living benefits with Long-term care.

Create a private pension

14 of 16

How To Earn Money As A

Life Insurance Agent

3

Guaranteed No Risk

$250,000

Annuity

$250,000 X 8%

= $20,000

X 50%

$10,000

(1-2 hrs)

IF YOU COULD SEE YOURSELF DOING THIS

THE NEXT STEPS:

1. A Highly Regulated Industry

2. Licensing in the Future

3. Agency Platform Fee- $199

2. Principal Protection

3. Tax Free Rollover

4. Private Pension Conversion

1. Uncapped Growth

WHAT YOU’LL GET ACCESS TO:

1. Corporate Support in Addison, Texas

Agency Payroll
Compliance
Licensing Support
Special Events and Trainings

2. Local/Zoom Office Training and Support

3. Tech-Enabled Back Office

5. 10% Bonus on Rollover

And lastly, we help clients protect retirement money using Fixed Indexed Annuities. This protects 401ks, TSPs, IRAs from market loss while still allowing growth and guaranteed income for life.

Let's say you know someone who left their job, transferred to a new position, was furloughed, or over the age of 59 and had an old retirement account with $250k in value. That money is either not growing or exposed to the market with potential for loss so we want to protect and grow it.

You spend a few hours educating them and they roll that money over into a Fixed Indexed Annuity. You use a product that gives 8% of that rollover times your contract with our company. Example ($250k x 8%) = 20,000. At a 50% contract you just earned $10,00 part time! How many people can legally earn 10k for a few hours of work!

This is one of the highest paid professions in America behind professional athletes.

What's in it for our clients?

Uncapped growth

Principal protection

Tax free rollover

Private pension conversion or lifetime income

Rollover bonuses up to 10%

Any questions? Have you learned a lot so far?

—------------------------------------------------------

CLOSE:

FREE: Can you see yourself doing this on a part time basis? If you’re open to doing this part-time, the next step is simple.

We are a highly regulated industry. Each state does a soft consumer report, do you have any felonies or misdemeanors dealing with money?

FUTURE:

You will get licensed in the future in the state you reside in. Licensing costs a few hundred dollars depending on your state. One test can allow you to get licensed in multiple states. Do you have any issues earning a professional license?

NOW: To get started today you make a one time investment of $199. This pays for your virtual back-office called Bamboo.

This includes a free website and phone number through Integrity Connect with world class technology, a CRM, run marketing campaigns to your clients, and a ton of resources.

You’ll additionally get access to our weekly training events in person and virtual, qualify for bonuses, paid company trips and contests.

You'll also get licensing, contracting, and compliance support from our home office in Dallas Texas, to help you place your policies, answer your questions. As well as access to each carrier we work with to help place your clients policies.

If you want to make an impact, influence, and income, I don't see any reason why you shouldn't get started today. -

–

THREE GUARANTEES

(If the client has objections or hesitation to getting started)

If you join our team, I can guarantee you three things.

You will learn a lot about money and finances working with us. 401k, TSP, IRA, wealth protection and infinite banking concepts. Say you come onboard part time, and in 6 months it doesn't work out and you walk away, We will still be good friends and you walk away having learning a lot more about money and finances. You will have a professional license under your belt having worked with World class fortune 500 companies.

Is that a good thing or bad thing?

The second thing I can guarantee, if you get your license, I guarantee you will help someone with one of our products (IUL/FIA) to family, friend, co-worker, and they will secure and protect themselves with an IUL and and inject hundreds of thousands to millions of dollars into that family legacy creating generational wealth.

Is that a good thing or bad thing?

The last thing I can guarantee is you will get the entrepreneurial bug. Once you get a taste of the life you were destined to live and the income you were destined to make you will want more! To make more money you have to increase income. To increase your income first you must increase your identity. How do you increase your identity
The books that you read
The meetings that you attend
The people you associate with

Here we help you do all three. We have book reading clubs and a recommended book of the month to read each month.

We are going to push you to grow as a professional by attending our weekly development meetings and trainings.

We are going to challenge you to qualify for company paid trips to put yourself in the same room with multi-million dollar earners, qualify for special high -value calls, where your identity grows and your influence expands.

Do you think that's worth a $199 one time investment into yourself?

Well if you don't have any concerns learning more about money and finances, making an impact, protecting wealth, injecting wealth back into your community and catching the entrepreneurial bug, increasing your identity, income and influence. I don't see a reason why you shouldn't get started today!

1 of 16

2 of 16

3 of 16

4 of 16

5 of 16

6 of 16

7 of 16

8 of 16

9 of 16

10 of 16

11 of 16

12 of 16

13 of 16

14 of 16

15 of 16

16 of 16