darholy financial services, llc
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2010. Darholy Financial Services, LLC. An Independent Insurance Marketing Company . Who We Are. - PowerPoint PPT PresentationTRANSCRIPT
Darholy Financial Services, LLC
An Independent Insurance Marketing Company Who We Are
For Agent Use Only – Not For Use With The Public
2010
Darholy Financial Services is an independent insurance marketing company affiliated with the best insurance companies available in the USA. This is a company that recognized financial land mines and offer solutions to our consuming public. One of our main focuses is to educate everyone about our comprehensive tax strategies. We offer savings plans that really work in minimizing and avoid taxation. In this company we will make sure everyone gets what they deserved as Clients and Agents alike. We have the best compensation system that really makes sense and it’s second to none. Our overall system is so easy and truly duplicable for our serious entrepreneurs. We enlighten, encourage and empower people in offering the best protection(s) they might need while they are saving for their future. In DFS, you have the freedom to run a company within a company. As a DFS Sales Associate, you are King, you are free, you are independent, you are your own boss, and you are a Business Owner. DFS’ ultimate goal is for everyone to
“Dream Again”
TOP PRIORITY
The Ultimate Dream: To change your family’s
DESTINY- By building Financial
Independence in your life time, you influence your
family’s lives for generations to come.
-The Financial estate you build today gives future generations the kind of
options for their lives that are only dreams for most
people
Business Ownershi
p
Control your own destiny
Financial Security
Unlimited Income
To Live and
enjoy life to its fullest
Financial Freedom
2010
The Dream
For Agent Use Only – Not For Use With The Public
DFS
DFS
DFS
BUSINESS OPPORTUNITY WITH LEVERAGE
* Great Products – Life Insurance, Final Expense, Cancer, Worksite UL2 and Health Insurance* Great Compensation – Traditional and Multi Pay System
* Bonuses and Rewards * Non Captive – But Captivating
* Profit Sharing* Turnkey System* Affiliated with solid and strong companies
For Agent Use Only – Not For Use With The Public
2010
DFS
DFS
AFFILIATED COMPANIES
SPWL with 10% bonus with no surrender charge and Non-Med Term
Cheapest Term – Full Underwriting65 non-med to $250,000 – Big UL doubles your death benefit at the first 15 years.Full line living benefits and Plan Right GI
Full line Living Benefits Annuity with8% bonus and Long Term Care
Impaired Risks, Final ExpenseGuaranteed Issue and Term with ROP
For Agent Use Only – Not For Use With The Public
2010
Conservative UL w/ two years Commission
A Life and Health Insurance Company
Life Options EIUL, Conseco ProvidenceWorksite UL – Portable, GI or EIO,
Cancer,Hospital, Accident, and Wage Guard
Health Insurance Provider forIndividual or Group
CONSECO, LLC isThe Right Partner to have
As a One Complete Company
TODAY’S DILEMMAS
Average Americans lost at least 40-50% of their life savings in today’s market
90% that owns a savings vehicle plan has no protection and subject to severe taxation
90% that have life insurance has no “Living Benefits”
All of them dreamed to retire comfortably but most end up in nightmares in today’s market
Insurability and Unforeseen Illnesses AriseFor Agent Use Only – Not For Use With The Public
2010
Every 29 seconds; someone suffers from a coronary event.
Every 45 seconds; someone suffers a stroke. 45% of heart attack victims are under age 45. Men have a 1 in 2 risk and women have 1 in 3 of
developing cancer in their lifetime. At age 65 the odds are nearly one in two that you will
require nursing home services for at least 2 ½ years An extreme illness can cost well over $100,000 in out
of pocket expenses.
How do you protect against an
unforeseen illness?
For Agent Use Only – Not For Use With The PublicWe Have The Solutions
2010
1. Tax Free Retirement Planning (Savings Vehicle)
2. Living Benefits – (Chronic, Critical and Terminal)
3. Higher Cash Value Accumulation w/ Guarantees (Upside Potential with Downside Protection)
4. Non-Medical Term with ROP 5. Impaired Risks, Simplified and Guaranteed Issue6. Long Term Care, Cancer, Accidents, Health
Insurance, Nursing Home and Primary Insured Term Riders
7. Off setting bonuses from our carriers8. Waiver and Return of all Premium9. Accidental Death Benefit ( Most of the time it doubles your
death benefit if you died accidentally) For Agent Use Only – Not For Use With The Public
DFS Offers all the keys
of a life insurance
2010
Disability RetirementIncome
Life Insurance =
Multiple Needs, One Combined, Affordable Solution
For Agent Use Only – Not For Use With The Public
Life Insurance You Don’t Have To Die To Use
Protect yourself and your family while saving for the future
TerminalChronic and
Critical Illness
2010
PROTECTION AGAINST UNPREDICTABLE
MARKET
For Agent Use Only – Not For Use With The Public
S&P 500 IUL - Annuity
0 -3.1% ------------7 -11% ------------11 to no cap Bottom Cap Avg.
Top CapSavings Plan that is better than Bank savings accounts.
Bank Savings Account GuaranteedUpside potential
Downside Protection
Non-Guaranteed
Upside Potential with Downside Protection – Indexed Universal Life
The fact is 30% of your hard earn dollar goes to pay taxes and 30.4% goes to pay interests. Where would you save the remainder?
2010
Graphs are not an actual results. It is intended for hypothetical use only.
For Agent Use Only – Not For Use With The Public
SPWLProtect your promises while you
saveSingle Premium Whole Life
and Indexed Universal Life
SPWL /IUL VS Annuity CD/401KTax Free Death Benefit Yes No
No/NoLiving Benefit Yes Yes
No/NoFlexible Premium Yes Yes
No/YesAvoid Probate Yes Yes No/NoLoan Privileges Yes Yes No/YesTax Deferred Growth Yes Yes No/YesBonus Available on Premium Yes Yes
No/NoLifetime Income Option Yes Yes No/NoPotential High Yields Yes Yes No/YesTax Free Distribution Yes No (unless it’s Roth IRA)
No/NoProtection From Creditors Yes Yes
No/No
2010
TAX NOW - TAX LATER - TAX FREEIncomeStocksMutual FundsCapital gains, CDBank Savings Interests
401k, 457, 403b, TSPIRA, SEP, SIMPLE, Annuity and many other qualified plans
Off-Shore StocksMunicipal Bonds Roth IRA – LimitedLife Insurance - EIUL
For Agent Use Only – Not For Use With The Public
Tax-Free Retirement
2010
#1 Tax Trap
Agent – 60%
Senior Agent – 70%
Sales Manager – 75%
GA80%
SNGA95%
ENGA100%
10,000 Annualized Premium
50,000 Annualized Premium
50,000 Annualized Premium
All promotions – maximum credit for largest leg is 75%. GA – SNGA promoted to next level when you replace yourself. Rep to Sales manager – based on organization annualized premium.
Compensation shall be paid in accordance with the standard practices and procedures of the Company, which practices and procedures may be changed by the Company at any time . Table of First-Year-Commissions. This schedule is subject to change by the Company at any time. For Agents Use Only
NGA90%
COMPENSATION and PROMOTIONAL GUIDELINES on
Traditional System
SGA85%
Managerial Promotion Is Through Duplication
Representative – 50%
ForesterUHLIAPSagicorLSW
Non-Qualified DFS Sales Associate may share commissions with a licensed producer as a referral fee on a training sale. If the producer chooses to pay, the payment may not be conditioned on the purchase of insurance nor may the purchase of insurance be a factor used in determining the amount of the referral fee. Non-qualified producer must refrain from selling, solicit or negotiate the insurance being sold.
2010
CONSECOCOMPENSATION GRID
GA100-50
SGA 200-60
NGA 300-70
SNGA 400-90
ENGA 500-125
FOUNDER1000-200
75% 1.6
78% 1.6 81% 1.6 84% 1.6 87% 1.6 93% 1.6 2-10
9% 12% 15% 18% 21% 27%3% 6% 9% 12% 15% 21%2% 5% 8% 11% 14% 20%2% 5% 8% 11% 14% 20%1% 4% 7% 10% 13% 19%1% 4% 7% 10% 13% 19%0% 3% 6% 9% 12% 18%0% 3% 6% 9% 12% 18%
GA 1st
GA 2ndGA 3rd
GA 4th
GA 5th
GA 6th
GA 7th
For Agent Use Only – Not For Use With The Public
Associate 40% 5-3
Associate Agent 50% 10-6Senior Associate Agent
60% 25-10Associate Manager 65% 50-20Senior Associate Manager 70% 75-30
GA 8th
Multi Pay System All promotions – maximum
credit for largest leg is 75%. Associate – ENGA promotional guidelines must be met in order for the promotion to take effect to the next level. Promotion is based on organization annualized premium and required recruits. Multi Pay starts at GA.
Non-Qualified DFS Sales Associate may share commissions with a licensed producer as a referral fee on a training sale. If the producer chooses to pay, the payment may not be conditioned on the purchase of insurance nor may the purchase of insurance be a factor used in determining the amount of the referral fee. Non-qualified producer must refrain from selling, solicit or negotiate the insurance being sold.
2010
THE POWER OF THREE
For Agent Use Only – Not For Use With The Public
You 3 sales a month = $6,000Based on average sale of $2000/month net income
1 2 3
Bring in three
Each one does three sales a month
= $18,000 = $3,600Avg. 20% Managerial Override
Your Sales + Your Overrides = $9,600 monthly income
EX: To Calculate a $200 a month premium at 60%
$200 x 12 = $2400 x 60% = $1,440DFS will Advance 100%
2010
MOMENTUM
BUILDER REWARD
Bring in 3 new paid sales associates to join the company receive one of the following services or cash for fun bonus.* Two nights 5 star Hotel Accommodation w/ Dinner for two * $199.99 Cash in or credit it to a new recruit* Two nights and three days escapade* Bed and Breakfast•One Personal Video Montage ($300 value)* Hot Balloon Ride
Caesars Palace
For Agent Use Only – Not For Use With The Public
2010
HOW TO GET STARTEDClick icon to add picture
For Agent Use Only – Not For Use With The Public
• Provide Three Training Sales• Commit to the Power of Three• Get Licensed• Start-Up Kit (Pay 199.99 Application Fee)
• Webpage (limited to Licensed Associates)• Tax-Free Retirement Book• DVD – Company Overview• Automatic Participation of the Award and
Bonus Program
• Work with your Managers• Utilize Our Website www.darholy.com and look for training dates and location, attend if possible. Download forms and register to join.
2010
THANK YOU
See You At The Top
2010
For Agent Use Only – Not For Use With The Public