Career Opportunity Career Opportunity 06/29/2014 Roberto H. Bruce, MS, CLU, ChFC, LUTCF Cavaliers Insurance Marketing Rights Reserved

Mission Cavaliers Insurance Marketing Cavaliers Insurance Marketing 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 1C MP 1C 1P MC 1P MC MP BROKER Rights Reserved

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

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%10% 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 ______________________ $300 / hr Rights Reserved

INSURANCE PIONEER EXCEL SERVICE Rights Reserved

CHOICE?  EMPLOYEE  BUSINESS Rights Reserved

CLIENTS CLIENTS:  WITH INSURANCE  WITHOUT INSURANCE P RACTICALLY, E VERYBODY! Rights Reserved

CONVENTIONS 2012 – Lisbon, Portugal 2012 – Lisbon, Portugal 2013 – Bermuda 2013 – Bermuda 2014 – Rome, Italy 2014 – Rome, Italy 2015 – Costa Rica 2015 – Costa Rica $56,250 annualized qualified premium to year end. $56,250 annualized qualified premium to year end. Qualified agent and guest. Qualified agent and guest. Rights Reserved

Your Capital (In California; Check for other States)In California; Check for other States 1.Pre-Licensing Education (52 Hrs)- $78 2.Life License Exam ————————— 45 3.Life & Health License (2 yrs) —— Fingerprint ————————————— 69 5.Business Cards —————————— 10 Total $ 346 Rights Reserved

3 TYPES OF PEOPLE 1. DON’T KNOW WHAT HAPPENS 2. WATCH THINGS HAPPEN 3. MAKE THINGS HAPPEN Rights Reserved

A BROKER’S CREED Cavaliers Insurance Marketing Cavaliers Insurance Marketing 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