Roberto H. Bruce, MS, CLU, ChFC, LUTCF Cavaliers Insurance Marketing Career Opportunity 09/12/2014 Roberto H. Bruce, MS, CLU, ChFC, LUTCF Cavaliers Insurance Marketing Rights Reserved

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. Rights Reserved

Cycle of Success RECRUIT Marketing Structure Professional Development Financial Independence TRAIN SELL Rights Reserved

Company vs. Products BROKER 900 MC 1P MC MP BROKER 899 Rights Reserved 898

Agency Building Opportunity Rights Reserved Agency Building Opportunity Strong Companies Unique Products Ground Floor Opportunity Competitive Agency Compensation Vesting rights

Product/Plan Portfolio Rights Reserved 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 52%-85% $20,000 A.P. (ANNUALIZED PREMIUM) MANAGEMENT OVERRIDES PERSONAL PRODUCTION Executive Sales Dir (As GA, An SGA) 85%-115% $300,000 A.P. 16 RECRUITS Area Sales Manager (As GAII, An GA) 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) 5% 15% 10% 25% 20% 33% 28% 18% 8% Rights Reserved

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 either ______________________ Rights Reserved $300 / hr

INSURANCE PIONEER EXCEL SERVICE Rights Reserved

CHOICE? EMPLOYEE BUSINESS Rights Reserved

PRACTICALLY, EVERYBODY! CLIENTS: WITH INSURANCE WITHOUT INSURANCE PRACTICALLY, EVERYBODY! Rights Reserved

CONVENTIONS 2012 – Lisbon, Portugal 2013 – Bermuda 2014 – Rome, Italy Rights Reserved 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) Pre-Licensing Education (52 Hrs)- $78 Life & Health License Exam ——— 45 Life & Health License (2 yrs) —— 154 Fingerprint ————————————— 69 Business Cards —————————— 10 Total $356 Rights Reserved

DON’T KNOW WHAT HAPPENS WATCH THINGS HAPPEN MAKE THINGS HAPPEN 3 TYPES OF PEOPLE DON’T KNOW WHAT HAPPENS WATCH THINGS HAPPEN MAKE THINGS HAPPEN Rights Reserved

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. So Help Me God. Rights Reserved