03272015 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 ID: 611900
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Career Opportunity03/27/2015
Roberto H. Bruce, MS, CLU, ChFC, LUTCFCavaliers Insurance Marketing
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MissionCavaliers 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
RECRUIT
Marketing
Structure
Professional
Development
Financial
Independence
TRAIN
SELL
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Company vs. Products
1C
MP
1C
1P
MC
1P
MC
MP
BROKER
900
899
898
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Agency Building Opportunity
Strong CompaniesUnique ProductsGround Floor OpportunityCompetitive Agency CompensationVesting 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.
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Agency Compensation System
52%-85%
$10,000
A.P.(ANNUALIZED PREMIUM)
MANAGEMENT
OVERRIDES
PERSONAL
PRODUCTION
Executive Sales Dir (As GA, An SGA)
85%-115%
$150,000
A.P. 16 RECRUITS
Area Sales Manager (As GAII, An GA)
80%-105 %
$75,000
A.P. 10 RECRUITS
District Manager (As Broker, An Agent)
70%-95%
$45,000
A.P. 6 RECRUITS
Unit
Manager (As BrokerII, An Agent)
60%-85%
$25,000
A.P. 2 RECRUITS
Associate (As Agent4, An Agent)
5%
15%
10%
25%
20%
10%
33%
28%
18%
8%
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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
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INSURANCE
PIONEER
EXCEL
SERVICE
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CHOICE?
EMPLOYEE
BUSINESS
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CLIENTS
:
WITH
INSURANCE
WITHOUT
INSURANCE
P
RACTICALLY
,
EVERYBODY!
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CONVENTIONS
2012 – Lisbon, Portugal2013 – Bermuda 2014 – Rome, Italy2015 – Costa Rica2016 – Kahala, Oahu, Hawaii
$56,250 annualized qualified premium to year end.
Qualified agent and guest.
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Your Capital(In California; Check for other States
)Pre-Licensing Education (52 Hrs)- $78
Life & Health License Exam
——— 45Life & Health License (2 yrs) —— 154Fingerprint ————————————— 69Business Cards —————————— 10Total
$
356
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3 TYPES OF PEOPLE
DON’T KNOW WHAT HAPPENSWATCH THINGS HAPPEN
MAKE
THINGS HAPPEN
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A BROKER’S CREEDCavaliers 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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