Transcript Career Opportunity - Cavaliers Insurance Marketing

Career Opportunity
09/12/2014
Roberto H. Bruce, MS, CLU, ChFC, LUTCF
Cavaliers Insurance Marketing
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Mission
Cavaliers Insurance Marketing
To provide our members with sales
and management skills for the
pursuit of a progressive, successful
professional career in financial
services.
We believe that the key to long range agency success is in
the professional development of our members.
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Cycle of Success
Financial
Independence
RECRUIT
SELL
Marketing
Structure
Professional
Development
TRAIN
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Company vs. Products
1C
1C
1P
MP
MC
1P
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900
MC
MP
BROKER
899
898
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Agency Building Opportunity
 Strong
Companies
 Unique Products
 Ground Floor Opportunity
 Competitive Agency Compensation
 Vesting rights
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Product/Plan Portfolio
PENSION PLANS – Administration; Funding; Distribution/Rollover.
DISABILITY INCOME (DI) – Individual DI; Simplified DI; Graded DI;
Business Overhead Expense.
CRITICAL ILLNESS (CI) – Fully Underwritten CI; Simplified CI.
WHOLE LIFE (WL) – Participating (Par) WL (Non-Med 250k, Med);
Simplified Non-Par WL (Level, Graded, Modified); Single Premium Par
WL.
UNIVERSAL LIFE (UL) – Lifetime Guaranteed UL; Cash Accumulation
UL (Indexed UL, Traditional UL) – Non-Med 250k, Med; Low Premium
UL.
TERM LIFE – Guaranteed Premium Term (Non-Med 350k/250k, Med)
w/ or w/o Return of Premium (ROP); Annual Renewable Term (ART) –
PS1 (Group Term Life), PS58 (Split Dollar) Tables.
ACCIDENTAL LIFE.
REVERSIONARY ANNUITY (Income Protector).
ANNUITIES – Fixed, Indexed.
Agency Compensation System
MANAGEMENT
OVERRIDES
PERSONAL
PRODUCTION
Executive Sales Dir
(As GA, An SGA)
Area Sales Manager
(As GAII, An GA)
5%
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15%
10%
25%
20%
10%
33%
28%
18%
8%
85%-115%
$300,000 A.P.
16 RECRUITS
80%-105 %
$150,000 A.P.
10 RECRUITS
District Manager
(As Broker, An Agent)
70%-95%
$75,000 A.P.
6 RECRUITS
Unit Manager
(As BrokerII, An Agent)
60%-85%
$40,000 A.P.
2 RECRUITS
Associate
(As Agent4, An Agent)
52%-85%
$20,000 A.P.
(ANNUALIZED PREMIUM)
Personal Production
$ 100 / month policy
$ 100 X 12 = $1,200
X 50%
__________
$600 / 2 hr
__________
Not a lot of income
Not a lot of work
______________________
$300 / hr
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either
PIONEER
INSURANCE
SERVICE
EXCEL
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CHOICE?
EMPLOYEE
BUSINESS
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CLIENTS:
WITH
INSURANCE
WITHOUT
INSURANCE
PRACTICALLY, EVERYBODY!
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CONVENTIONS
• 2012 – Lisbon, Portugal
• 2013 – Bermuda
• 2014 – Rome, Italy
• 2015 – Costa Rica
• $56,250 annualized qualified
premium to year end.
• Qualified agent and guest.
Your Capital
(In California; Check for other States)
1.
2.
3.
4.
5.
Pre-Licensing Education (52 Hrs)- $78
Life & Health License Exam ——— 45
Life & Health License (2 yrs) —— 154
Fingerprint ————————————— 69
Business Cards —————————— 10
Total
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$356
3 TYPES OF PEOPLE
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1.
DON’T
KNOW WHAT HAPPENS
2.
WATCH
THINGS HAPPEN
3.
MAKE
THINGS HAPPEN
A BROKER’S CREED
Cavaliers Insurance Marketing
I hereby swear to abide
with the philosophy based on
the 3H of Conduct
– Honesty, Hardwork, and Help –
in my pursuit of a progressive,
successful professional career
in financial services.
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So Help Me God.