1. 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
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2. 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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3. Cycle of Success RECRUIT Marketing Structure Professional Development
Financial
Independence
TRAIN
SELL
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4. Company vs. Products BROKER
900 MC 1P MC MP
BROKER
899
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898

5. Agency Building Opportunity
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Agency Building Opportunity
Strong Companies
Unique Products
Ground Floor Opportunity
Competitive Agency Compensation
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6. Product/Plan Portfolio
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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.

7. 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 RECRUITS
Area Sales Manager (As GAII, An GA)
80%-105 % $150,000 A.P RECRUITS
District Manager (As Broker, An Agent)
70%-95% $75,000 A.P RECRUITS
Unit Manager (As BrokerII, An Agent)
60%-85% $40,000 A.P RECRUITS
Associate (As Agent4, An Agent) 5%
15%
10%
25%
20%
33%
28%
18% 8%
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8. 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
______________________
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$300 / hr

9. INSURANCE
PIONEER
EXCEL
SERVICE
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10. CHOICE?
EMPLOYEE
BUSINESS
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11. PRACTICALLY, EVERYBODY!
CLIENTS:
WITH INSURANCE
WITHOUT INSURANCE
PRACTICALLY, EVERYBODY!
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12. CONVENTIONS 2012 – Lisbon, Portugal 2013 – Bermuda 2014 – Rome, Italy
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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.

13. 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
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14. 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
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15. 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.
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