1. 1 2013 The Year of…

2. 2 #1 Goal Make and Save Money

3. 3 Compensation in 2013 Commissions Overrides Residuals Stock Equity Paid Vacations

4. 4 Using Your Opportunity Work Hard – its how you GROW & GO to the next level Prospect – Recruit – Train Develop Adapt to 2013 Prospecting Language taxes went up, income must -Focus on Licensing & Promoting QUALIFIED Reps

5. 5 Using Your Opportunity Why your 2013 compensation is Overrides + Qualified Rep $ 1,000 = $ 250 Stock Qualified District $ 2,500 = $ 1,000 Stock Qualified Division $ 5,000 = $ 3,000 Stock Qualified Regional $ 7,500 = $ 4,000 Stock Qualified RVP $10,000 = $15,000 Stock $23,250 Total Stock (Potential Award) SELL YOUSELF THE DREAM EVERYDAY!

6. 6 Lets Promote some RVPs $23,250 Total Potential Stock + $15,300 (minimum qualifying premium $25,500 bonusable premium at 60% overrides) = $38,550ish for each RVP Promotion

7. 7 Lets Promote some RVPs Promote 2 a year for 5 years… 10 X $38,550 = $385,550+ Promote 2 a year for 10 years… 20 X $38,550 = $771,000+ Plus…Securities, Auto & Home, Debt, PLPP, LTC, Fixed Indexed Annuities, VAs and Overrides on ALL the other people you recruit!