why you would want to work with intermountain financial group as financial services professional?

Helping Others to Prepare For Their Financial Futures Today.

6340 South 3000 East

Suite 500

Salt Lake City, UT 84121

801-943-6277

Intermountain Financial Group, LLC

Salt Lake City, Utah • St. George, Utah

801-943-6277

On May 15, 1851, MassMutual started with a single room and a single purpose—to help people protect their family and their future. Today, 160 years later, that long-term perspective remains core to all we do. We’re a company defined by our mutual-ity, owned by the very policyholders we serve.1 We’ve seen world wars, depressions, recessions and recoveries, and remained strong. Over time, we’ve provided financial and retirement security to millions of people and come to possess financial strength ratings among the highest of any company in any industry.2 A lot has changed since that first office in 1851, but one thing remains the same: We serve our policyholders’ best interests. That founding purpose still drives us today. Take a look at the past 160 years on our interactive timeline at MassMutual.com/160Timeline.

Celebrating 160 Years

as the Utah Agency of MassMutual

MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Insurance products issued by and ratings apply to MassMutual (Springfield, MA 01111) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082). 1Learn more about our mutual structure at www.MassMutual.com/Mutuality. 2Financial strength ratings as of 5/1/11: A.M. Best (A++); Fitch (AA+); Moody’s (Aa2); Standard & Poor’s (AA+). Ratings are subject to change. CRN201305-147538

WHAT IS THE SIGN OF A GOOD DECISION?

It’s 160 years of doing what we set out to do


Suite 500


801-943-6277

Who Is Intermountain Financial Group, LLC? Intermountain Financial Group is the Utah agency for the Fortune 500 company,

Massachusetts Mutual Life Insurance Company (MassMutual), and is made up of a

group of specialists in financial services who are committed to help you achieve

financial independence in this complex and constantly changing world.

Founded in 1893, Intermountain Financial Group offers its clients a broad-based

portfolio of financial products and services, including: Life insurance, annuities,

disability income insurance, retirement planning products, long-term care insurance,

mutual funds*, access to money management, and other trust services. We take great

pride in helping neighbors, friends, families and business owners make good

decisions when it comes to being financially prepared for many of life’s pivotal

events.

Over 50 full-time, highly skilled professionals are affiliated with Intermountain

Financial Group with offices in Salt Lake City, Utah and St. George, Utah. Many of

the professionals hold advanced designations such as Certified Financial Planner™

(CFP®), Chartered Financial Consultant (ChFC), and Chartered Life Underwriter

(CLU). Intermountain Financial Group takes pride in its emphasis on the continuing

education and professional development of their associates. This commitment to

education is essential to provide you with some of the most qualified financial

services professionals in the industry.

MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies .

About Us

Local residents and businesses rely on Intermountain Financial Group to help them secure their financial futures, but our commitment does not end there. Our community involvement through charitable organizations and civic events is deeply important to us, and our time and resources invested are one more reason why we have earned the trust from so many individuals in this area.

Community Involvement:

Bikes for Kids of Utah (www.bikesforkidsutah.org) American Cancer Society/Breast Cancer Awareness Disability Awareness Nights Recognition:

National Alfred P. Sloan Award for Workplace Flexibility for 2011, 2010, 2009, and 2008

Utah Work/Life Award for workplace excellence and one of the best places to work in Utah for 2011, 2010, 2008, and 2007

Community

Strength in our numbers

Number of Clients1 13,814

Life Insurance Coverage in Force2 $3.964,699,865

Life Insurance Benefits (claims) Paid3 $21,673,114

Disability Income Insurance Benefits (claims) Paid4 $1,895,474

$747,758,204 Client Policy and Account Values5

Dividends to Whole Life Policyholders6 $8,138.921


Suite 500


801-943-6277

Opportunity:

Life is filled with challenges and opportunities. Embark on a career that allows you to make the most of them. As a Financial Services Professional, you will help others to provide for their families, protect their businesses, and achieve financial independence, while assuring your own. It is a great way to make an excellent living while helping others.

Independence:

Chart your own course if you have confidence, an entrepreneurial spirit and enjoy the freedom that accompanies working for yourself, you’ll thrive in this business—where self-motivation is key. As a Financial Services Professional, you can set your own goals, determine your clientele and work a schedule to meet your needs. Yet, you will be part of a well-respected network of highly trained, successful professionals with the full support of a Fortune 500 company behind you.

Challenge:

To develop and service your clients, you will learn our process and the features and benefits of a full portfolio of financial products, including life, disability income and long-term care insurance; annuities, mutual funds, investments and other financial vehicles to help clients meet their goals. Every client’s situation is unique, and may range from financing a child’s college education to caring for aging parents; from looking ahead to retirement or estate planning to developing business continuation plans. You’ll learn how to accurately assess client needs and design, implement, and monitor financial strategies that are tailored to their specific circumstances, while building fulfilling, long-term relationships.

Rewards:

Successful Financial Services Professionals work hard, and can reap significant rewards. We recognize achievement with incentives, some of the industry’s best professional conferences, and a competitive benefits* package. Your income potential is virtually unlimited, tied only to the time and energy you are willing to invest. However, the most satisfying rewards may be the personal ones that accompany helping others to ensure their families’ financial independence, while you are securing your own.

Your Opportunity


Suite 500


801-943-6277

We give our associates every advantage:

Advanced Training: We believe our agency offers some of the best training in the industry. Our comprehensive training program has recently been enhanced to provide a stronger foundation for your business development. This training program is structured like a college course and a specialist in the respective topic teaches each segment. In addition, we have interactive training software so Financial Services Professionals can learn at their own pace or review concepts anytime they want. We don’t end our training at twelve weeks or even one year; instead, we work with our associates to help them develop and hone their skills for the formative years in the business. The agency has a highly respected and knowledgeable Advanced Life Specialist who will be teaching an Advanced Designation Class each week. This class is designed for the experienced and inexperienced producer knowing the importance of consistently expanding their knowledge and earning industry designations.

Marketing and Sales Support Department: With the state of today’s financial services industry, Financial Services Professionals and agencies have to be more market-driven and focused in developing their target demographics. Our Marketing Department can help you develop a business plan, help you select the resources to work your target market (e.g. brochures, advertising), and provide other pre-sale support.

State-of-the-Art Technology: We offer innovative and comprehensive software. From helping you illustrate a concept to demonstrating a product’s performance, to keeping track of your client base, we have the tools needed to make doing business easier and more productive. A few of the software tools available to MassMutual agents are eMoney, Morningstar, and LEAP. Administrative Staff: Our staff provides nothing less than World Class Service and have a combined experience amounting to over 150 years. Our staff is specialized and trained in particular areas, but are also cross-trained to meet your needs and for maximum efficiency. From simple tasks to the more complex sometimes encountered, our staff demonstrates a concerned, helpful attitude.

Why Us


Suite 500


801-943-6277

MMLISI Products and Services

Registered representatives may offer the following to clients: (provided they are licensed to do so)

Mutual funds Non-proprietary variable annuities and variable life products Securities brokerage services Direct participation Programs (DPPs) 529 Plans Unit Investment Trusts (UITs) Real Estate Investment Trusts (REITs) Financial planning services* Fee-based asset management programs* *Offered through the Corporate RIA

Any advisors who want to offer the following should be interested in becoming CRIA licensed:

Asset Management Programs Manager Referral Programs Fee-based Financial Planning Fee-based Seminars

Investment Products


Suite 500


801-943-6277

MML Insurance Agency, Inc. (MMLIAI) is a MassMutual sponsored one-stop brokerage firm that provides MassMutual agents an outlet to help meet their clients’ needs. MMLIAI offers non-proprietary, traditional products: life insurance, disability income insurance, long term care, and fixed annuities products. This program is designed to compliment our own product portfolio by offering competitive products not available in the MassMutual portfolio and extending offers on highly substandard risks and declinations. MMLIAI also offers agents a resource for finding other carriers to accept risk on large cases where, for capacity reasons, the case must be diversified through multiple carriers.

Companies available include:

Insurance Products

Ash Brokerage/MMLIAI

Fidelity Life Genworth Financial Hartford Life Insurance Company ING USA Life and Annuity Jefferson Pilot John Hancock Lincoln National Met Life

Minnesota Life Mutual of Omaha New York Life Penn Mutual Principal Life Prudential Life Sun Life West Coast Life


Suite 500


801-943-6277

Main Telephone: 801-943-6277 888-761-0774 Fax: 801-733-9565 General Recruiting: Mandy Aguirre 801-453-2276 [email protected] Website: http://www.intermountainfinancialgroup.com http://www.massmutual.com/mycareer Core Agency Address: Old Mill II 6340 South 3000 East Suite 500 Salt Lake City, UT 84121 Branch Offices: St. George, Utah 94 East Tabernacle St. George, UT 84770 435-673-6350

Contact


Suite 500


801-943-6277

MassMutual Financial Group refers to Massachusetts Mutual Life Insurance Company (MassMutual), its affiliated companies and sales representatives. Insurance products are issued by and ratings apply to MassMutual, Springfield, MA 01111, and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company, Enfield, CT 06082. To learn more about our mutual structure, go to www.MassMutual.com/AboutMassMutual.

1. A participating policyholder is an owner of an individual policy issued by MassMutual who benefits from the compa-ny’s mutual status by being eligible to share in any annual dividends, if declared,. After setting aside a safe margin for re-serves and surplus, MassMutual pays any amount left over to participating policyholders in the form of declared divi-dends based on predetermined factors. Dividends are not guaranteed

Page 4:

1 An insured, owner, or payer of a MassMutual policy or contract.

2 Amount of individual life insurance in force at the end of the period related to products issued by Massachusetts Mutual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insur-ance Company.

3 Amount of individual life insurance claims paid during the period related to products issued by Massachusetts Mu-tual Life Insurance Company and its subsidiaries, C.M. Life Insurance Company and MML Bay State Life Insurance Company.

4 Amount of disability income insurance claims paid during the period related to products issued by Massachusetts Mutual Life Insurance Company.

5 Includes values of MassMutual and subsidiary insurance companies’ insurance and retirement products and invest-ment products offered through MML Investors Services, Inc., a MassMutual subsidiary.

6 The amount of dividends to whole life policyholders in 2011.

Page 5:

* Eligibility applies only to those Financial Services Professionals who hold a full-time career contract (X4X) with MassMu-tual. Eligibility for subsidized benefits and before-tax coverage is based on meeting certain contract requirements. Benefit plan provisions are subject to modification or termination. Financial Services Professionals are independent contractors and are not employees of MassMutual its subsidiaries, or of General Agents with whom they contract.

You must be a registered representative of MML Investors Services, LLC., to offer securities products.

Disclosures

CRN201310-151717


Suite 500


801-943-6277

why you would want to work with intermountain financial group as financial services professional?

Documents