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Glossary Everything You need to know when first joining our firm! 16 Phrases for Financial Professionals The words the financial industry uses aren’t always what clients and prospects expect to hear. Instead of talking about “volatility,” friends might talk to one another about “ups and downs in the market.” Rather than “financial freedom,” clients want to have “financial security,” according to our surveys. Check with your compliance department about what phrases you can use in your conversations, but we offer this list as examples of what clients say are phrases that resonate with them. ​ You deserve financial security and independence Efficient, effective, proven long-term solutions Effectively balancing risk and reward Helping you take advantage of opportunities A track record of success Asking the right questions…applying the right tools The right strategies at the right time Peace of mind in good markets and bad Prepared and protected for the future Our focus is your success…now and into the future Plan for tomorrow by investing today Retirement is a journey The stability and confidence you deserve Delivering meaningful, measurable results Personalized strategies, real solutions You worked hard for your money. It’s time for your money to work hard for you. ​​ Head over to Transamerica’s Field Guide to Effective Client Communication page where you can gain a genuine understanding of what’s on clients’ minds. You can also learn proven, effective communications strategies to overcome client concerns and language to build trust and close the sale. AEGON AEGON N.V. is a multinational life insurance, pension and investment group based in The Hague, The Netherlands. The company has businesses in more than 20 markets in the Americas, Europe and Asia. In North America, AEGON operates through Transamerica, whose major divisions include World Financial Group, Inc., World Financial Group Insurance Agency of Canada Inc., and WFG Securities of Canada Inc. AML Anti Money Laundering at WFG refers to a required course of training that gives you knowledge of red flags to look for to prevent and report money-laundering activities. Appointment Sometimes referred to as “contracting,” an appointment is a formal approval to sell the products of the various companies with which WFG’s affiliated companies have selling agreements. You will need an appointment with a WFG-approved product provider to market its products. To get an appointment, go to MyWFG.com; then go to Tools > Administration & Compliance > Field Manual, and then select a company. Appointment information will be on that page. Approved Person (AP) This is the term generally used to describe a Canadian associate who maintains a valid mutual fund license. ​ Associate Each member of World Financial Group is referred to as an associate. Also, the first official promotion level at WFG is Associate (Level 10). Base Shop The base shop is the localized team headed by a Senior Marketing Director (SMD). Everybody in a base shop reports ultimately to that SMD, though there may be several levels (Associate, Senior Associate or Marketing Director) between a specific individual and the SMD. Branch Office Manager (BOM) / Branch Manager (BM) In the U.S., a branch office manager (BOM) is a registered principal (series 26 or 24) who maintains an office location where Registered Representatives and Non-Registered Associates are assigned. The BOM, under the direction and supervision of the OSJ manager, assists the OSJ manager in maintaining compliance with the securities rules and regulations. In Canada, the branch manager is an important part of supervision process. The BM is responsible for overseeing Approved Person activities at the branch level. To be a BM, you must hold a valid mutual fund license for at least two years and have completed the Branch Manager’s course and be full time with WFG Securities of Canada Inc. BPM A business presentation meeting (BPM) is a standardized company presentation that introduces prospective new associates to World Financial Group and its business opportunity. These formal group presentations are usually held at an office once to twice per week, depending on your SMD, though the presentation can be given to individuals almost anywhere and anytime. CEO MD CEO Marketing Director is the senior-level field position achieved by SMDs who have generally promoted at least six direct SMDs and met various other production and business requirements. CEO MD is a major career milestone because it indicates that you’ve built a solid business through recruiting and production and validates your leadership capabilities. The next level for CEO MDs is the EVC promotion, which is the company’s top leadership position. Code Number Associates are assigned unique code numbers/Associate IDs once their Associate Membership Agreement (AMA) is completed and approved. In Canada, code numbers end in “C.” COMPASS COMPASS is WFG’s comprehensive associate database and commissions system. Most of the business reports available to you on MyWFG.com pull from the information in COMPASS. Convention Officially called the Convention of Champions, this annual company conference is usually held in the summer in Las Vegas. E & O All WFG licensed and appointed associates in the United States and Canada are required to have Errors and Omissions liability insurance (E&O). All associates,*, except New York associates , are required to maintain E&O through the company’s E&O Provider. New York associates must purchase E&O independently. In Canada, the minimum level of coverage may vary by jurisdiction. E&O is a MANDATORY charge pursuant to the Associate Membership Agreement Section II; Subsection J. An associate may not decline coverage for any reason. ​ *Errors and Omissions Insurance is mandatory for: All Securities Appointments (this includes Variable Life and Variable Annuity appointments) Any Life and Term Insurance Appointments Any Property and Casualty Appointments Any Investment Advisory Appointments E-AMA This term refers to the electronic Associate Membership Agreement, the application form that must be completed to join WFG. Once this is completed and sent in with a $100 ($125 in Canada) administrative fee, you will be notified if your application is approved and given a WFG Code Number. Also called theAMA, the application can be submitted in paper form as well. Financial Needs Analysis / FNA A Financial Needs Analysis (FNA) could refer to either a software tool you can use to gather and analyze client information, or to the printed presentation generated by the software, which you may present to the client. This presentation may include the client’s personal, professional, and financial goals. Used properly, an FNA provides a consistent, rational basis for your product recommendations. WFG maintains a proprietary FNA software tool on MyWFG.com under Tools > Financial Needs Analysis. This tool is available to all associates at no charge, though you must be properly licensed and appointed to use it with clients. In Canada, WFG’s FNA is approved for use with insurance clients, but not currently for securities clients. Completing an FNA is an important component part of the insurance financial sales process to because it demonstrates and provides the rationale rational basis for selecting recommending particular financial insurance products, types and amounts of coverage for amounts to a client. Associates can also subscribe to approved third-party FNA tools. Links to currently approved tools are available on MyWFG.com. Associates can also purchase paper data collection forms through the e-store on MyWFG.com. Home Office/Executive Headquarters Located in Johns Creek, Georgia, the WFG Executive Headquarters is home to hundreds of employees who go to work each day ready to help you succeed . World Financial Group Insurance Agency of Canada Inc. is headquartered in Toronto, ON. Some of the areas in which the U.S. and Canadian WFG Headquarters provide support for your business include: Commissions Licensing Provider Relationships Professional Marketing Materials for use in building your business with client retention and recruiting Corporate Intranet – MyWFG.com – that provides 24-hour access to commission statements, up-to-date product provider information, business reports, recruiting and sales tools and more. ​ ​ Illustration Use life insurance illustrations to help clients understand the products you are proposing and their potential performance. Keep in mind that life insurance illustrations are hypothetical constructs that show how a particular insurance policy would perform under a given set of financial assumptions which are entered by you. Remember these are assumptions, and there are no guarantees of the numbers. However, they can be very useful tools in illustrating how various policies work and how cash values may function within the policies. Licensing In order to distribute WFG’s approved product’s you will need to get your Life Insurance License and/or Securities License. Using the WFG Field Manual, go to the Life Licensing section and determine the licensing requirements (resident or non-resident) for the state(s) or province(s) in which you wish to be licensed. A life license plus a company appointment will allow you to sell approved life insurance products from providers with whom WFG has selling agreements. The following are examples of different types of products a life licensed associate might be able to sell: Term Insurance Indexed Universal Life (US only) Universal Life Whole Life Fixed Annuities Variable Securities License: U.S. associates who want to sell variable products must obtain their Series 6 (and 63 in some jurisdictions), or other applicables Securities License. A Variable Annuity and/or Variable Life License may also be necessary before an Associate can sell Variable Life or Annuity products. Some states may not have a separate Variable License. HOWEVER, if an Associate wishes to sell variable products, he/she must be FINRA registered in the state of sale regardless of the state license requirement. That process begins by submitting a form U4 to Transamerica Financial Group (TFG). To submit a form U4 to TFG, click here or select Licensing & Training on MyWFG’s main navigation panel. Then select TRAC to initiate the process. Mutual Fund / RESP: In Canada, associates who desire to market securities products must obtain a Mutual Fund license to sell mutual fund products and/or an RESP license in order to market RESP Scholarship Plans. All individuals seeking to market or sell these products must successfully complete required courses and be duly approved by WFG and the applicable regulatory body. Mozone Mozone is short for “Momentum Zone,” which is how WFG associates describe the exciting, quality, professional recruiting environment, before, during and after meetings and events. The System Manual goes through the specifics in detail. Navigator Navigator is an electronic document management solution available to TFG Branch Office Managers. This solution is used to help simplify recordkeeping, reduce costs and grow your business. Navigator is currently required for WFG Branch Managers in Canada as well. OBA/OIA OBA (Outside Business Activities) or OIA (Other Income Activities), also referred to as OBA (Outside Business Activities), are any business activity other than the business of WFG or TFG, through which a field associate is employed or receives compensation (other than a passive investment). WFG and TFG require that field associates notify the company and obtain written approval prior to engaging in any Outside Business Activity. WFG Securities of Canada Inc. and World Financial Group Insurance agency of Canada Inc. require agents, representatives and Approved Persons to disclose all OBAs or potential OBAs to the Licensing and Registrations department. Not all Canadian jurisdictions permit part-time individuals and some OBAs may preclude an individual from becoming licensed. Some OBAs may require a heightened supervision and client disclosure regimen. Points WFG uses points to determine promotion qualification, as well as for contests and recognition. Points are a measure of production volume, and are accumulated based on the type of product sold and the total compensation to the field from the sale of that product. You are able to track your points through the reports on MyWFG.com. SMD When WFG associates are promoted to Senior Marketing Director (SMD), they become independent from their upline SMDs and can run their own businesses and build their own base shops. SMD is the first big promotion goal to which each new associate aspires. The company begins recognition at the SMD / base-shop level, leaving recognition inside the base shop to the SMD. System Manual The System Manual refers to WFG’s written system or blueprint for business-building, growth and duplication. To access the manual is available on MyWFG.com , select Recruiting & Building on MyWFG’s main navigation panel, then click WFG System Manual, or click here . There is a variation on this approach, entitled The System Builder, which is authored and run by one of WFG’s largest field leaders. You may also hear the System Manual referred to as the Business Format System (BFS). Tap Rooting Tap Rooting is the process a leader uses to help anchor new associates in the business by quickly helping each new recruit bring their first recruits aboard. 3-3-30 The 3-3-30 strategy encourages new associates – and even well-established field leaders – to recruit three new associates and observe three training sales (or for a licensed associate, make three sales) in 30 days. New associates use 3-3-30 to jumpstart their businesses. As they progress in WFG, the 3-3-30 can be used as a benchmark to measure monthly performance. TLP WFG is a division of Transamerica Life and Protection (TLP), an AEGON Transamerica company. The TLP division provides operations, information technology, legal, marketing, and finance support to internal agents and independent producers who market the companies’ life insurance, health insurance, long-term care insurance, marketing services, and investment products. Transamerica Transamerica is a part of AEGON, an international life insurance, pension, and asset management company based in The Hague, the Netherlands. The Transamerica companies offer a wide array of innovative financial services and products with a common purpose: to help individuals, families, and businesses build, protect and preserve their hard-earned assets. WFG is part of a Transamerica company called Transamerica Life & Protection. Securities License, Variable See Licensing ​ Mutual Fund / RESP See Licensing W.connect W.connect, provided by Winfund, is WFG Canada’s investment portal that offers access to time-saving administration information, tools, reports and fillable applications. This resource can be used to improve client document organization and for ongoing real-time compliance reporting. WFG EI WFG Education Institute (Canada) is WFG’s in-house branded education platform for getting new WFG associates in Canada licensed faster in a cost-effective proven platform. WFG’s Mission Our mission is to build and protect wealth for families. Although it is not WFG’s official mission statement, the “No Family Left Behind” is a tagline many associates use to capture the essence of the WFG mission in a way that is easily understood by prospects and clients. MyWFG MyWFG.com is your 24-7 online resource for business information, including but not limited to: Company News Contests Business- tracking Business- building tools Training Selling and building Licensing Marketing Materials Provider/Product Information WFG-Online The website for WFG Associates prior to the launch of MyWFG.com in August 2011. WFG Vision To become the most influential marketing company in history. WFGOpportunity.com or WFGOpportunity.ca WFG’s recruiting website is a great resource for learning about who WFG is and what we stand for. TFA / TFG Transamerica Financial Advisors is the affiliated US broker-dealer of World Financial Group, Inc., a Johns Creek, Ga.-based financial services marketing company whose affiliates offer life insurance and a broad array of financial products and services. TFG brings investment products and services into the homes of people from all walks of life. Unlike many firms that require a certain salary level or net worth in a potential client before working with them, registered representatives at TFG go to work each day ready to help everyday people achieve their financial goals. Transamerica Financial Advisors, Inc. (TFA), a registered investment advisory, and its Transamerica Financial Group Division (TFG), a broker-dealer, bring investment and professional money management services previously reserved for the very wealthy to middle-income families. Unlike many financial services firms, TFG’s representatives and third-party money managers accept accounts with less than a six-figure investment, allowing registered representatives and investment advisor representatives to offer these important products and services to middle income families. TFG works with a team of some of the most well-known product providers and third-party money managers in the industry, giving its representatives the ability to choose appropriate products and services for their clients’ financial circumstances. TFA is a full-service, fully licensed, independent Broker/Dealer and Registered Investment Advisory firm that has served its clients for more than two decades. TFG representatives must be properly licensed registered representatives and/or investment advisor representatives of TFA to offer securities and/or investment advisory products to clients. WFG associates who choose to offer securities products must become registered with TFG. Those associates who wish to become Registered Representatives must pass the FINRA Series 6 and become registered with TFG. Those associates who wish to become Registered Investment Advisors must pass the FINRA Series 66 in addition to the Series 7 or Series 6 exams and become registered with TFA. Other Glossaries ​ ​ Click here to view the Annuities Language Glossary by the Alliance for Lifetime Income Click here to view ​

Library Helping you build your business! Corporate Directory ​ WFG Main Website: www.worldfinancialgroup.com WFG Main Directory Agent Centric Website: www.mywfg.com WFG Sales Desk: 770-934-7355 WFG Sales Desk email: wfgsalesdesk@transamerica.com Transamerica Main Website: www.transamerica.com Agent Central: https://www.transamerica.com/agent-central Resource Center: https://www.transamerica.com/resource-center Contact Us Information Website: www.transamerica.com/contact-us/#page-0 WFG Dedicated Support Line: 1-800-322-3796 TransAct Dedicated Support Line: 800-742-7005 Agent Technical Support Line: 1-866-303-7833 Licensing & Contracting Support Line: 770-246-9889 ​ AEGO N Main Website: www.aegon.com Main Phone: +31-70-344-3210 Main Email: info@aegon.com ​ Everest Main Website: www.everestfuneral.com WFG Dedicated Website: www.everestfuneral.com/wfg-us WFG Dedicate Support Line: 1-800-913-8318 Main email: salesdesk@everestfuneral.com Everest WFG Team Contact Directory & Helpful Hints Everest Tools Site ​ MARSH - E&O Insurance provider Main Registration Website: https://affinity.marsh.com/wfg-tfa/home.html WFG Dedicated Support Line: 1-800-380-0451 Main Email: EandOServices@marsh.com Main External Carriers ​ Nationwide Main Website: www.nationwidefinancial.com Support site: www.nationwide Financial.com/resources/support Contact Us Information site: www.nationwidefinancial.com/contact-us WFG Dedicated support line: 1-855-455-4139 Financial Network Line: 1-877-223-0795 Quotes email: wfgquote@gmail.com ​ Pacific Life Main Website: www.pacificlife.com Support site: www.pacificlife/home/benefits-of-working-with-us/financial-professional-logins.html# Contact Us web page: www.pacificlife.com/home/contact-ushtml WFG Dedicated support line: 888-595-8298 Opt 1 New Business & Underwriting / WFG-PRO@PacificLife.com Opt 2 Sales Support Opt 3 Illustrations & Case Design / WFGIllustrations@PacificLife.com Opt 4 Inforce Service / PolicyService@PacificLife.com General Support Lines: 800-800-7674 and 800-347-7787 ext. 3010 Advanced Designs Unit (ADU) Line: 800-800-7681 ext. 3690 Advanced Designs Unit (ADU) Email: AdvancedDesigns@PacificLife.com Illustrations email: wfgillustrations@pacificlife.com ​ AMS - internal Annuity coordinator/intermediary Main Website: www.amsfsg.com WFG Dedicated site: www.wfg.amsfsg.com/Login.aspx WFG Dedicate support lines: 800-448-4510 and 225-930-0315 Main email: ams@amsfsg.com ​ CRUMP - external Life Insurance provider Main Website: www.crump.com WFG Dedicated site: www.wfgcrumplifeinsurance.com/Login.aspx?ReturnUrl=%2f WFG Dedicate support line: 888-232-4872 Fixed Index Annuity Solution Center email: annuity@crump.com Legacy Shield - Legal Consultation Services Provider Main Website: www.legacyshield.com WFG Dedicate support lines: 855-654-7674 and 904-712-6569 ​ Exam One - Medical Testing provider Main Website: www.examone.com WFG Dedicated support lines: 305-470-9810 and 866-452-2662 ​ ​ Education Providers ​ Exam FX - Prelicensing course provider Main Registration Website: www.examfx.com/wfg Main State Exam Providers site: https://www.examfx.com/insurance-prelicensing-training/view-insurance-state-requirements Main Support line: 1-800-586-2253 Main Support site: www.examfx.com/resources/support-center State Prelicensing Requirements site: www.examfx.com/insurance-prelicensing-training/view-insurance-state-requirements ​ KAPLAN - Continuing Education provider Main Website: go through our www.mywfg.com Main Support line: 800-824-8742 Main Emails: contactus@kaplan.com and kfeducation@kaplan.com KAPLAN Interactive Industry Brochure KAPLAN Continuing Education Brochure ​ Pearson Vue - State Exam and Fingerprints provider Main Website: www.pearsonvue.com Helpful Resources for Test-Takers site Main Support Line: 1-888-274-2020 ​ RegED - Appointment and CE courses with our carriers Main Website: www.reged.com Main Support line: 800-334-8322 Main Email: info@reged.com ​​ ​ Government & Other Organizations ​ ​ NIPR - National Insurance Producer Registry Main Website: www.nipr.com Main Support Line: 855-674-6477 ​ FINRA - Financial Industry Regulatory Authority Main Website: www.finra.org Main Support Line: 301-590-6500 ​ LIMRA - Life Insurance Marketing and Research Association. Main Website: www.limra.com Main Support Line: 860-285-7789 Main Email: customer.service@limra.com ​ NAIC - National Association of Insurance Commissioners Main Website: www.content.naic.org State Insurance Departments: www./content.naic.org/state-insurance-departments Main Support Line: 816-783-8500 Main Email: help@naic.org ​​ ​ FDIC - Federal Deposit Insurance Corporation Main Website: www.fdic.gov Main Support Line: 877-275-3342 ​ ACLI - American Council of Life Insurers Main Website: www.acli.com Main Support Line: 202-624-2000 ​ FINRA - Financial Industry Regulatory Authority Main Website: www.finra.org Main Support Line: 301-590-6500

New Era System Steps Helping you build your business! Save your WFG Code. Explore your WFG Launch platform. Download the GroupMe App. New Associate Timeframe: First 24 hours after receiving the AMA confirmation. Make sure to complete all the Licensing Requirements for your Home State. Review the Key Facts and Questions. Attend Pre-Licensing classes if you feel you need help. Rest well before the exam! Pass the State Exam Timeframe: First 7-10 days after receiving the AMA confirmation. Attend at least 90% of the training sessions. Be Licensed and Appointed. Have completed at least one 1-1-7. Have to be a client. Made the first $1,000 in the business. Net License Timeframe: First 2-15 dyas after getting licensed. Enroll in the Pre-Licensing Course and review the live classes. Schedule your State Exam.​ Set up your study plan & calendar. Prelicensing Process Timeframe: First 24 hours after receiving the AMA confirmation. Sign the WFG Agent Agreement. Complete the AML and LTC CE courses. Set Up your Direct Deposit. Set Up your Platform Fee. Sign up for your Errors & Omissions (E&O) insurance with MARSH. Complete all State Licensing requirements. Schedule your Business Plan Meeting. Post-Licensing Process Timeframe: First 1-2 days after getting licensed. Training Associate Associate Senior Associate Marketing Director Snior Marketing Director Earn Promotion Timeframe: First 2-6 after receiving the AMA confirmation. Schedule and meet for your "Client Experience" with your Upline. Create your TOP 10 Potential Business Partners list and review it with your Upline. Client Experience Timeframe: First 1-3 days after receiving the AMA confirmation. Review your Business Plan with your Upline so we may help you design the new path to achieve your goals. Business Plan Timeframe: First 2-5 days after getting licensed. Pass our Field Triner Certification Program. Have completed at least one 5-5-30 month. Certified Field Trainer Timeframe: First 2-6 after receiving the AMA confirmation. Review your "Client Experience" recommendations and become a client. Call your TOP 10 Potential Business Partners list and bring onboard at least 1 Business Partner. 1-1-7 Timeframe: First 2-6 after days receiving the AMA confirmation. Establish the Grand Opening Date. Establish the Grand Opening platform/venue. Create the list. Coordinate a Guest speaker. Create the Grand Opening invitation. Invite and confirm guests. FOLLOW UP! Grand Opening Timeframe: First 2-10 days after getting licensed. Qualify for the Next Wave of SMD promotions. Complete 5-5-30 for 3 consecutive months. Start speaking and training in the Baseshop. Qualify to be a Frontline Leader. Seek mentorship and be accountable. Dominate in the Baseshop! Leadership Factory Timeframe: First 2-6 after receiving the AMA confirmation. Review your study plan with your Upline and maintain your licensing goals. Onboard your first Business Partner(s) and help the(m) go through this process . Onboarding Timeframe: First 2-6 after days receiving the AMA confirmation. Learn the Scripts. Learn how to edify the Trainer. Learn how to Set-Up appointments. Learn what MACHO clients are and their importance. Learn the presentation Training Appointments Timeframe: First 1-5 days after getting licensed. Have at least 10 Licensed Associates with at least 1 strong Exchange Leg (1 MD or 2 SA). Complete 10-10-30 for 3 consecutive months. Must have earned the $50,000 Watch. Have made a minimum of 75,000 Team points in 3 consecutive months. Must Graduate from NLA. Qualify for SMD Timeframe: First 2-6 after receiving the AMA confirmation. Resources ​ Click here to view the WFG Everest Funeral Concierge Dedicated site. Click here to view the Transamerica Concierge Planning RiderSM (CPR) by Everest site page. ​

Scripts Everything You need to know when first joining our firm! WFG Scripts: ​ BPM - Invitation. BPM - Breaking the Floor. ETHOR . Top 3 References. Top 3 Qualities. Most Commonly used Acronyms. ​ Through Curiosity™ Collection Courses: ​ List Building Through Curiosity™ » 60 mins. Download course materials here. Inviting Through Curiosity™ » 120 mins. Download course materials here. Time Management Through Curiosity™ » 60 mins. Download course materials here. Connecting Through Curiosity™ » 60 mins. Download course materials here. Recruiting Through Curiosity™ » 90 mins. Download course materials here. Licensing Through Curiosity™ » 90 mins. Download course materials here. Selling Through Curiosity™ » 9.5 hrs. (coming soon!) Step 1: Download course materials here. Step 2: Download course materials here. Step 3: Download course materials here. Step 4: Download course materials here. Step 5: Download course materials here. Step 6: Download course materials here. Step 7: Download course materials here.

Design Suite Simply click on what you want to download! Template 1 To request a personalized version of this template you must provide the following: ​ Host, Full Name, Contract Level, Phone Number, Email and photo. Guest 1 & Guest 2 Names, Contract Levels and photos. Grand Opening Date & Time on EST time zone. Proper active Zoom link. Topics menu if you don't want the ones in this template. ​ ​ Request Personalization Here Click here to learn more about the WFG Brand Guideline and how to make decisions about colors, typefaces, etc.,

Social Media Helping you build your business! Why is Social Media important in the Financial Services Industry? ​ Social media plays a crucial role in the financial services industry for several reasons: ​ Brand Building and Customer Engagement: social media provides financial institutions with a platform to build and promote their brand, connect with customers, and engage in meaningful conversations. It allows companies to humanize their brand, share updates, and interact directly with their target audience. Through social media, financial institutions can strengthen customer relationships, increase brand loyalty, and attract new customers. ​ Customer Service and Support: social media platforms offer a convenient and accessible channel for customers to seek assistance, ask questions, and receive support. Financial institutions can use social media to address customer concerns, provide real-time responses, and offer personalized assistance. Effective customer service on social media enhances customer satisfaction and helps resolve issues promptly, leading to better overall customer experiences. ​ Market Intelligence and Customer Insights: social media platforms generate a vast amount of data and conversations that can be valuable for financial institutions. By monitoring social media discussions, trends, and customer sentiment, companies can gain insights into customer preferences, needs, and opinions. This information can guide product development, marketing strategies, and business decision-making. ​ Thought Leadership and Education: social media provides a platform for financial institutions to establish themselves as thought leaders and industry experts. By sharing informative content, insights, and analysis, companies can position themselves as credible sources of information. This helps to build trust with customers, attract new clients, and establish a competitive edge in the industry. ​ Marketing and Lead Generation: social media platforms enable financial institutions to target specific demographics, engage with potential customers, and promote their products and services. Through targeted advertising, content marketing, and lead-generation campaigns, companies can expand their reach, increase brand awareness, and generate qualified leads. ​ Regulatory Compliance and Risk Management: social media platforms present compliance challenges for the financial services industry due to strict regulations and the need to protect sensitive customer information. However, by implementing proper social media policies, guidelines, and monitoring tools, financial institutions can mitigate risks, ensure compliance with regulatory requirements, and maintain data security. ​ ​ What are the Top Social Media Platforms? Facebook: Facebook is the largest social media platform with billions of users worldwide. It allows individuals and businesses to create profiles, share updates, photos, and videos, connect with friends and family, join groups, and follow pages of interest. ​ Instagram: Instagram is a photo and video sharing platform that focuses on visual content. Users can upload photos and short videos, apply filters and effects, and share them with their followers. Instagram also offers features like Stories and IGTV for sharing temporary or long-form video content. ​ LinkedIn: LinkedIn is a professional networking platform that caters to businesses and professionals. It allows users to create a professional profile, connect with colleagues and industry peers, join groups, share articles and insights, and explore job opportunities. ​ TikTok: TikTok is a short-form video platform where users can create and share entertaining videos set to music. It gained popularity for its algorithm-driven feed, creative filters, effects, and viral challenges. ​ YouTube: YouTube is a video-sharing platform where users can upload, watch, like, and comment on videos. It offers a wide range of content, including music videos, tutorials, vlogs, and more. Users can also subscribe to channels to stay updated with their favorite creators. ​ Snapchat: Snapchat is a multimedia messaging app known for its disappearing content. Users can send photos and videos (called "snaps") that disappear after a set time. Snapchat also offers features like Stories, where users can share content that stays visible for 24 hours. ​ Twitter: Twitter is a microblogging platform that enables users to post and read short messages called "tweets." Users can follow others to see their tweets in a chronological feed. Twitter is known for its real-time updates, hashtags, and the ability to engage in public conversations. ​ Pinterest: Pinterest is a visual discovery platform where users can find and save ideas for various topics like fashion, home decor, recipes, and more. Users can create boards to organize their saved content and follow boards created by others. ​ Each social media channel works differently, but they generally allow users to create profiles, connect with others, share content, and engage with the community through likes, comments, and shares. They may also offer additional features like messaging, live streaming, and advertising options for businesses. The specific functionalities and user interfaces may have evolved since my last update, so it's always recommended to refer to the respective platforms for the most up-to-date information.

Sources Helping you build your business! Im portance of Life Insurance Financial Strategies for Business Owners Life insurance financial strategies play a crucial role for business owners, providing valuable protection and serving as a key component of their overall financial planning. Here are some important reasons why life insurance is significant for business owners: ​ Protection of Business Assets: Life insurance can be used to protect the business and its assets in the event of the owner's death. It ensures that there are funds available to cover financial obligations such as business debts, loans, and operational expenses. This prevents the business from facing financial difficulties or being forced to liquidate assets to settle outstanding liabilities. ​ Business Succession Planning: Life insurance can facilitate smooth business succession planning. If a business owner passes away, the proceeds from a life insurance policy can be used to buy out the deceased owner's share and provide funds for the transition of ownership to a family member, business partner, or another designated successor. This helps ensure continuity and minimizes disruption to the business operations. ​ Key Person Insurance: many businesses rely heavily on the expertise and contributions of key employees or owners. Key person insurance is a type of life insurance that provides coverage on the life of such a key individual. In the event of their death, the policy's proceeds can be used to offset financial losses, recruit and train replacements, or cover other expenses incurred due to the loss of the key person. ​ Estate Planning: Life insurance can be an effective tool for estate planning purposes. Business owners can use life insurance proceeds to pay estate taxes, ensuring that the business or other assets are not heavily burdened by tax liabilities upon their passing. This allows for the smooth transfer of wealth to beneficiaries while preserving the value of the business. ​ Employee Benefits: Life insurance can be offered as an employee benefit, attracting and retaining talented employees. By providing group life insurance coverage, business owners can offer financial security to their employees and their families. This benefit can enhance employee satisfaction and loyalty, contributing to a positive work environment and overall business success. ​ Collateral for Business Loans: Life insurance policies can serve as collateral for business loans, making it easier for business owners to access credit. Lenders often consider the cash value or death benefit of a life insurance policy as a valuable asset, which can strengthen the owner's creditworthiness and increase the likelihood of loan approval. ​ Tax Advantages: In many jurisdictions, life insurance policies offer tax advantages. The premiums paid for life insurance may be tax-deductible, and the death benefit is often received tax-free by the beneficiaries. These tax benefits can help business owners optimize their tax planning and maximize their financial resources. ​ It is important for business owners to consult with financial advisors or insurance professionals to assess their specific needs and develop tailored life insurance strategies that align with their business objectives and overall financial plans. ​ Resources ​ ​ Click here to view the "Business Owners Planning Guide" by Pacific Life. Click here to view the "Business & Life Insurance Need Analysis Questionnaire" by Pacific Life Click here to view the "Business Planning" web page by Pacific Life Click here to view the "Business Planning" web page by Transamerica . ​ News Links ​ “75% of Small Businesses Don’t Have a Succession Plan: Two groups to help you with planning,” Mackenzie Hoeferlin “Do Most Family Businesses Really Fail by the Third Generation?,” Justin Baron and Rob Lechenauer “Warning: Your Business is not a Retirement Fund!,” Just Goodbread. “20 Surprising Employee Retention Statistics You Need to Know,” George Dickson. ​ ​

BPM Hub Everything You need to know when first joining our firm! BPM: ​ Breaking the Floor Script. General Presentation in English. General Presentation in Spanish. Paramount Presentation in English. Paramount Presentation in Spanish. Feedback Survey (coming soon! to request a personalized copy - allow 5 business days).

Industry Directory Everything You need to know when first joining our firm! Corporate ​ ​ WFG Main Website: www.worldfinancialgroup.com WFG Main Directory Agent Centric Website: www.mywfg.com WFG Sales Desk: 770-934-7355 WFG Sales Desk email: wfgsalesdesk@transamerica.com Social Media WFG Facebook WFG Instagram WFG LinkedIn WFG YouTube WFG Twitter WFG Brand Guidelines WFG Advertising Guidelines WFG U.S. Fees Guidelines ​ TRANSAMERICA Main Website: www.transamerica.com Agent Central: https://www.transamerica.com/agent-central Resource Center: https://www.transamerica.com/resource-center Contact Us Information Website: www.transamerica.com/contact-us/#page-0 WFG Dedicated Support Line: 1-800-322-3796 TransAct Dedicated Support Line: 800-742-7005 Agent Technical Support Line: 1-866-303-7833 Licensing & Contracting Support Line: 770-246-9889 Social Media Transamerica Facebook Transamerica Instagram Transamerica LinkedIn Transamerica YouTube Transamerica Twitter Transamerica Social Media University ​ ​ AEGON Main Website: www.aegon.com Main Phone: +31-70-344-3210 Main Email: info@aegon.com ​ EVEREST - Funeral Concierge Service Provider Main Website: www.everestfuneral.com WFG Dedicated Website: www.everestfuneral.com/wfg-us WFG Dedicate Support Line: 1-800-913-8318 Main email: salesdesk@everestfuneral.com Everest WFG Team Contact Directory & Helpful Hints Everest Tools Site ​ MARSH - E&O Insurance Provider Main Registration Website: https://affinity.marsh.com/wfg-tfa/home.html WFG Dedicated Support Line: 1-800-380-0451 Main Email: EandOServices@marsh.com ​ ​ ​ Main Carriers ​ NATIONWIDE Main Website: www.nationwidefinancial.com Support Website: www.nationwide Financial.com/resources/support Contact Us Information Website: www.nationwidefinancial.com/contact-us WFG Dedicated Support Line: 1-855-455-4139 Financial Network Line: 1-877-223-0795 Quotes email: wfgquote@gmail.com ​ PACIFIC LIFE Main Website: www.pacificlife.com Support Website: www.pacificlife/home/benefits-of-working-with-us/financial-professional-logins.html# Contact Us Information Website: www.pacificlife.com/home/contact-ushtml WFG Dedicated Support Line: 888-595-8298 Opt 1 New Business & Underwriting / WFG-PRO@PacificLife.com Opt 2 Sales Support Opt 3 Illustrations & Case Design / WFGIllustrations@PacificLife.com Opt 4 Inforce Service / PolicyService@PacificLife.com General Support Lines: 800-800-7674 and 800-347-7787 ext. 3010 Advanced Designs Unit (ADU) Line: 800-800-7681 ext. 3690 Advanced Designs Unit (ADU) Email: A dvancedDesigns@PacificLife.com Illustrations email: wfgillustrations@pacificlife.com ​ AMS Main Website: www.amsfsg.com WFG Dedicated Website: www.amsfsg.com/wfg WFG Dedicate Support Lines: 800-448-4510 and 225-930-0315 Main email: ams@amsfsg.com AMS WFG Team Contact Directory ​ CRUMP Main Website: www.crump.com WFG Dedicated Website: www.wfgcrumplifeinsurance.com/Login.aspx?ReturnUrl=%2f WFG Dedicate Support Line: 888-232-4872 Fixed Index Annuity Solution Center email: annuity@crump.com CRUMP WFG Team Contact Directory LEGACY SHIELD - Legal Consultation Services Provider Main Website: www.legacyshield.com WFG Dedicate Support Lines: 855-654-7674 and 904-712-6569 ​ EXAM ONE - Medical Testing Provider Main Website: www.examone.com WFG Dedicated Support Lines: 305-470-9810 and 866-452-2662 ​ IMS PARAMED - Medical Testing Provider Main Website: www.imsparamed.com WFG Dedicated Support Lines: 877-808-5533 and 510-490-6211 ​ ​ ​ Education Providers ​ XCEL SOLUTIONS - Pre-Licensing Education+ Provider Main Website: www.xcelsolutions.com Main Support Line: 1-904-999-4923 Support Email: support@xcelsolutions.com Click here to review and complete your State Licensing Requirements. Click here to register for your Life and Health Pre-Licensing course. Click here to download the Pre-Licensing course Study Guide. Click here to view the Test Preparation Tips. Click here to view the Insurance Glossary. Click here to view the Pre-Licensing course FAQ. ​ ​​ KAPLAN - Continuing Education+ Provider Main Website: go through our www.mywfg.com Main Support Line: 800-824-8742 Main Emails: contactus@kaplan.com and kfeducation@kaplan.com KAPLAN Interactive Industry Brochure KAPLAN Continuing Education Brochure ​ PEARSON VUE - State Exam and Fingerprints Provider Main Website: www.pearsonvue.com Helpful Resources for Test-Takers Website Main Support Line: 1-888-274-2020 ​ RegED - Appointment and CE Courses with our Carriers Main Website: www.reged.com Main Support Line: 800-334-8322 Main Email: info@reged.com ​ EXAM FX - Education Provider Main Registration Website: www.examfx.com/wfg Main Support Line: 1-800-586-2253 ​ ​ Government ​ NIPR - National Insurance Producer Registry Main Website: www.nipr.com Main Support Line: 855-674-6477 ​ FINRA - Financial Industry Regulatory Authority Main Website: www.finra.org Main Support Line: 301-590-6500 ​ LIMRA - Life Insurance Marketing and Research Association. Main Website: www.limra.com Main Support Line: 860-285-7789 Main Email: customer.service@limra.com ​ NAIC - National Association of Insurance Commissioners Main Website: www.content.naic.org State Insurance Departments: www./content.naic.org/state-insurance-departments Main Support Line: 816-783-8500 Main Email: help@naic.org SOCIAL SECURITY ADMINISTRATION Main Website: www.ssa.gov Main Support Line: 1-800-772-1213 ​ IRS Main Website: www.irs.gov ​ ​

Presentations Helping you build your business! Title: ​ Breaking the Floor Script. ​ Title: "Napkin" One-on-One Presentation in English. "Napkin" One-on-One Presentation in Spanish. ​ ​

Step 1: New Associate Helping you build your business! What is Everest Funeral Concierge Services? Everest Funeral Concierge is a funeral planning and concierge service that offers assistance to individuals and families during the difficult time of arranging a funeral. They provide a range of services designed to alleviate the stress and burden associated with funeral planning. ​ Here are some features and benefits of Everest Funeral Concierge: ​ Funeral Planning Assistance: Everest assigns a dedicated funeral concierge to each family, who guides them through the entire funeral planning process. They offer expertise and support in making important decisions related to funeral arrangements. ​ Price Comparison: the service helps families compare funeral home prices in their area, ensuring they make informed decisions and receive fair pricing. This can be particularly helpful in managing costs and avoiding unnecessary expenses. ​ Funeral Home Recommendations: Everest has a network of trusted funeral homes and can provide recommendations based on the family's preferences, budget, and location. They strive to connect families with reputable funeral homes that meet their specific needs. Document Preparation: funeral concierges assist in completing necessary paperwork, such as death certificates, insurance claims, and other legal documentation. This can simplify the administrative aspects and save families time and effort. ​ 24/7 Support: Everest offers round-the-clock support, ensuring that families can access assistance whenever they need it. This availability can be crucial during emergencies or when time-sensitive decisions need to be made. ​ Travel Protection: in some cases, Everest provides travel protection coverage to help transport a loved one's remains from one location to another, especially if the death occurs away from home. This service can be valuable for families dealing with long-distance transportation logistics. ​ Family Support Services: apart from funeral planning, Everest offers additional resources to support grieving families. They provide access to grief counseling services and can connect families with other relevant support organizations. ​ It's important to note that the specific features and offerings of funeral concierge services may vary. Everest Funeral Concierge, in particular, has positioned itself as a provider of comprehensive support and guidance throughout the funeral planning process. Who should get Funeral Concierge Services? Funeral concierge services, like Everest Funeral Concierge, are designed to provide support and assistance to individuals and families during the funeral planning process. While anyone can choose to utilize such services based on their personal preferences and circumstances, certain situations and individuals may particularly benefit from the assistance of a funeral concierge. Here are a few examples: ​ Elderly Individuals: elderly individuals may find comfort and relief in having a funeral concierge service handle the logistical and administrative aspects of funeral planning. It can be a challenging time for them, and having professional assistance can alleviate some of the burden. ​ Bereaved Families: families who have recently lost a loved one may find it overwhelming to navigate the funeral arrangements while grieving. Funeral concierge services can provide compassionate support, guiding them through the decision-making process and handling the necessary arrangements. ​ Busy Professionals: individuals with demanding careers or limited time may find it difficult to dedicate the necessary time and attention to funeral planning. Funeral concierge services can step in and handle the details, ensuring a well-organized and meaningful funeral while allowing busy professionals to focus on other responsibilities. ​ Individuals without a Support Network: some individuals may lack a close support network or have limited resources to assist them with funeral planning. Funeral concierge services can provide the guidance and support they need during this difficult time. ​ Individuals with Complex Funeral Preferences: i f someone has specific wishes or desires for their funeral that may involve intricate arrangements or unique requests, a funeral concierge can help navigate those details and ensure they are carried out as desired. ​ Ultimately, the decision to utilize funeral concierge services is a personal one and depends on individual circumstances and preferences. These services are designed to offer support, guidance, and peace of mind during a challenging period, making funeral planning more manageable for those who opt for them. Why are Funeral Concierge Services Important? Funeral concierge services, such as Everest Funeral Concierge Services, can offer valuable assistance and support during the difficult and emotionally challenging time following the loss of a loved one. Here are several reasons why acquiring such services can be important: ​ Comprehensive Planning: funeral concierge services provide comprehensive assistance in planning and organizing all aspects of a funeral or memorial service. They can help with tasks such as selecting a funeral home, arranging transportation, coordinating with cemeteries or crematoriums, and handling necessary paperwork. This relieves the burden on grieving family members and ensures that all necessary arrangements are made efficiently. ​ Expert Guidance: funeral concierge services have experienced professionals who are well-versed in the funeral industry. They can offer expert guidance and advice, helping families make informed decisions about funeral arrangements, including choosing appropriate services, caskets, urns, floral arrangements, and other necessary items. Their knowledge and expertise can help alleviate stress and ensure that the funeral is meaningful and personalized. ​ Emotional Support: dealing with the loss of a loved one is an emotionally challenging time, and funeral concierge services can provide valuable emotional support. They understand the grieving process and can offer compassion, empathy, and a listening ear. Having someone to lean on and share the burden of making funeral arrangements can provide comfort and reassurance to grieving family members. ​ Cost Management: funerals can be expensive, and funeral concierge services can assist in managing costs. They can help families understand the pricing structures of different funeral providers, negotiate prices on their behalf, and identify cost-effective options without compromising on the quality of services. By working with a funeral concierge, families can make financially sound decisions and avoid unnecessary expenses. ​ Time-Saving: planning a funeral involves numerous tasks and requires a significant amount of time and effort. Funeral concierge services can handle many of these tasks, saving families valuable time during a period when they may already be overwhelmed. This allows them to focus on processing their grief and being with their loved ones instead of getting caught up in logistical details. ​ Overall, funeral concierge services can provide invaluable support and assistance during a challenging and emotional time. By utilizing their services, families can ensure that funeral arrangements are handled with care, professionalism, and attention to detail, allowing them to focus on honoring their loved one and supporting one another through the grieving process. Resources ​ Click here to view the WFG Everest Funeral Concierge Dedicated site. Click here to view the Transamerica Concierge Planning RiderSM (CPR) by Everest site page. ​

Services Provided Enroll in the Pre-Licensing Course. Schedule your State Exam.​ Set up your study plan & calendar. New Associate Timeframe: First 24 hours after receiving the AMA confirmation. Enroll in the Pre-Licensing Course. Schedule your State Exam.​ Set up your study plan & calendar. New Associate Timeframe: First 24 hours after receiving the AMA confirmation. Enroll in the Pre-Licensing Course. Schedule your State Exam.​ Set up your study plan & calendar. New Associate Timeframe: First 24 hours after receiving the AMA confirmation. Enroll in the Pre-Licensing Course. Schedule your State Exam.​ Set up your study plan & calendar. New Associate Timeframe: First 24 hours after receiving the AMA confirmation. Get a Free Quote This is a Paragraph. Click on "Edit Text" or double click on the text box to start editing the content. First Name Last Name Email Send Thanks for submitting!

Presentations Helping you build your business! Title: ​ Breaking the Floor Script. ​ Title: "Napkin" One-on-One Presentation in English. "Napkin" One-on-One Presentation in Spanish. ​ ​

Scripts & Acronyms Everything You need to know when first joining our firm! ETHOR Script BPM Script BREAKING THE FLOOR BPM Script PASS THE PHONE Script 3 GOOD QUALITIES Script TOP 3 REFERENCES Script BUSINESS CARD Script

The Invitation: Your Warm Market Everything You need to know when first joining our firm!