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

Step 3: Business Presentation Meeting Everything You need to know when first joining our firm! Main Tools for the BPM BPM Invitation Script BPM Confirmation List (then add to BSC Pro) BPM Power Point Presentation BPM Guest Sign In Sheet Trednsetter LB Brochure Breaking the Floor Script Feedback Sheet For a more in depth look, take a look at our WFG System Manual: WFG System Manual Step 3: Training BPM & Mozone PPT

Core Products Everything You need to know when first joining our firm! Even though we have over 100 of the country's major carriers, we recommend focusing on a few select ones, particularly when you first get started: Term & Permanent Life Insurance Transame rica Main Products Website: www.transamerica.com/agent-central/products ​ Transamerica Dedicated WFG Number: 800-322-3796 Important numbers/extensions: New Business: ext. 1236582 Sales Support: ext. 1236527 Commissions: ext. 1236545 Licensing: ext. 1236564 TLIC In Force: 800-852-4678 Click here for the Transamerica WFG Dedicated Terri tory Map . Click here for the Transamerica Te rm Quote Calculator. Click here for the Transamerica Term LB Video. Click here for the Transamerica Term LB Brochure in En glish. Click here for the Transamerica Term LB Brochure in Spanish. Click here for the In-House Million Dollar Baby video. Annuities AMS (this is our main & only Annuity platform for everything regarding Annuities) ​ ​ ​ WFG Dedicated Website: www.wfg.amsfsg.com WFG Dedicate Support Lines: 800-448-4510 and 225-930-0315 Main Email: ams@amsfsg.com Click here for the AMS WFG Dedicated Territory Map ​ Nationwide (must consult with AMS only) ​ ​ Main Website: www.nationwidefinancial.com WFG Annuity Support Website: www.nationwidefinancial.com/resources/support/annuities WFG Dedicate Support Line: 1-855-455-4139 Main Email: wfgquote@gmail.com ​ Athene (must consult with AMS only) Funeral Concierge Everest WFG Dedicated Website: www.everestfuneral.com/wfg-us/ Everest Dedicated WFG Number: 1-800-913-8318 Main Email: salesdesk@everestfuneral.com

State by State Everything You need to know when first joining our firm! Alabama Department of Insurance Phone: 334-269-3550 Fax: 334-241-4192 Website: http://www.aldoi.gov/ Address: 201 Monroe Street Suite 502 Montgomery, AL 36104 Click here to Download the Alabama Licensing & Continuing Education Guide. Alaska Division of Insurance Department of Commerce, Community, and Economic Development Phone: 907-465-2515 Website: https://www.commerce.alaska.gov/web/ins/ Address: 333 Willoughby Ave, 9th Floor PO Box 110805 Juneau, AK 99811-0805 Click here to Download the Alaska Licensing & Continuing Education Guide. Arizona Department of Insurance and Financial Institutions Phone: 602-364-3100 Website: https://difi.az.gov/producers Address: 100 North 15th Avenue, Suite 261 Phoenix, AZ 85007 Click here to Download the Arizona Licensing & Continuing Education Guide. Arkansas Insurance Department Phone: 800-282-9134 Fax: 501-371-2618 Website: https://insurance.arkansas.gov Address: 1 Commerce Way Little Rock, AR 72202 Click here to Download the Arkansas Licensing & Continuing Education Guide. California Department of Insurance Phone: 800-967-9331 Fax: 916-327-6907 Website: http://www.insurance.ca.gov Address: 300 Capitol Mall, 17th Floor Sacramento, CA 95814 Click here to Download the California Licensing & Continuing Education Guide. Colorado Division of Insurance Phone: 800-275-8247 Website: https://dora.colorado.gov/ Address: 1560 Broadway, Suite 850 Denver, CO 80202 Click here to Download the Colorado Licensing & Continuing Education Guide. State of Connecticut Insurance Department Phone: 800-203-3447 Website: https://portal.ct.gov/cid Address: 153 Market Street, 7th Floor Hartford, CT 06103 Click here to Download the Connecticut Licensing & Continuing Education Guide. State of Delaware Department of Insurance Phone: 302-674-7390 Website: https://insurance.delaware.gov/ Address: 1351 West North Street, Suite 101 Dover, DE 19904 Click here to Download the Delaware Licensing & Continuing Education Guide. Government of the District of Columbia Department of Insurance Phone: 202-727-8000 Website: https://disb.dc.gov/ Address: 1050 First Street, NE, Suite 801 Washington, DC 20002 Click here to Download the District of Columbia Licensing & Continuing Education Guide. Florida Department of Financial Services Bureau of Licensing Phone: 850-413-3137 Website: https://www.myfloridacfo.com/Division/Agents/ Address: 200 East Gaines Street Tallahassee, FL 32399-0319 Click here to Download the Florida Licensing & Continuing Education Guide. Georgia Department of Insurance Phone: 800-656-2298 Website: https://oci.georgia.gov/ Address: 2 Martin Luther King Jr. Dr. West Tower, Suite 702 Atlanta, GA 30334 Click here to Download the Georgia Licensing & Continuing Education Guide. Hawaii Department of Commerce and Consumer Affairs Insurance Division Phone: 808-586-2788 Website: http://cca.hawaii.gov/ins/ Address: 335 Merchant Street, Room 123 Honolulu, HI 96813 Click here to Download the Hawaii Licensing & Continuing Education Guide. Idaho Department of Insurance Phone: 208-334-4250 Website: https://doi.idaho.gov/ Address: 700 W. State Street, Floor 3 Boise, ID 83720-0043 Mailing Address: Idaho Department of Insurance PO Box 83720 Boise, ID 83720-0043 Click here to Download the Idaho Licensing & Continuing Education Guide. Illinois Department of Insurance Phone: 217-782-6366 Website: https://www.illinois.gov/ Address: 320 West Washington Street, Springfield, IL 62767 Click here to Download the Illinois Licensing & Continuing Education Guide. Indiana Department of Insurance Phone: 317-232-2389 Website: https://www.in.gov/idoi/licensing/ Address: 311 West Washington Street Suite 103 Indianapolis, IN 46204-2787 Click here to Download the Indiana Licensing & Continuing Education Guide. Iowa Insurance Division Phone: 515-654-6600 Fax: 515-654-6500 Website: https://iid.iowa.gov/ Address: 1963 Bell Ave., Ste. 100 Des Moines, IA 50315 Click here to Download the Iowa Licensing & Continuing Education Guide. Kansas Insurance Department Phone: 785-296-7862 Fax: 785-368-7019 Website: https://insurance.kansas.gov/ Address: 1300 S.W. Arrowhead Road Topeka, KS 66604 Click here to Download the Kansas Licensing & Continuing Education Guide. Kentucky Department of Insurance Phone: 800-595-6053 Website: http:// insurance.ky.gov Address: 500 Mero Street Frankfort, KY 40601 Click here to Download the Kentucky Licensing & Continuing Education Guide. Louisiana Department of Insurance Phone: 225-342-0860 Fax: 225-342-3754 Website: http://www.ldi.la.gov/ Email: producerlicensing@ldi.gov Address: 1702 N. Third Street P.O. Box 94214 Baton Rouge, LA 70802 Click here to Download the Louisiana Licensing & Continuing Education Guide. Maine Bureau of Insurance Licensing Division Phone: 207-624-8475 Website: https://www.maine.gov/pfr/insurance/ Address: 34 State House Station Augusta, ME 0433-0034 Click here to Download the Maine Licensing & Continuing Education Guide. Maryland Insurance Administration Phone: 410-468-2411 | Toll Free: 1-800-492-6116 Website: https://insurance.maryland.gov/Producer/Pages/default.aspx Address: 200 St. Paul Place, Suite 2700 Baltimore, MD 21202 Click here to Download the Maryland Licensing & Continuing Education Guide. Massachusetts Division of Insurance Phone: 617-521-7794 Website: https://www.mass.gov/orgs/division-of-insurance Address: 1000 Washington Street, Suite #810 Boston, MA 02118-6200 Click here to Download the Massachusetts Licensing & Continuing Education Guide. Michigan Department of Insurance and Financial Services Phone: 877-999-6442 Website: https://www.michigan.gov/difs Address: PO Box 30220 Lansing, MI 48909-7720 Click here to Download the Michigan Licensing & Continuing Education Guide. Minnesota Department of Commerce Licensing Unit Phone: 651-539-1599 Website: https://mn.gov/commerce/ Address: 85 7th Place E., Suite 280 St. Paul, MN 55101-2198 Click here to Download the Minnesota Licensing & Continuing Education Guide. Mississippi Insurance Department Phone: 601-359-3582 Website: http://www.mid.ms.gov/ Address: PO Box 79 Jackson, MS 39205-0079 Click here to Download the Mississippi Licensing & Continuing Education Guide. Missouri Department of Commerce and Insurance Phone: 573-751-3518 Fax: 573-526-3416 Website: https://insurance.mo.gov/ Address: Truman State Office Bldg. 301 West High St., Room 530 Jefferson City, MO 65101 Click here to Download the Missouri Licensing & Continuing Education Guide. Montana Department of Insurance Phone: 406-444-2040 Website: https://csimt.gov Email: producerlicensing@mt.gov Address: 840 Helena Avenue Helena, MT 59601 Click here to Download the Montana Licensing & Continuing Education Guide. Nebraska Department of Insurance Phone: 402-471-4913 Website: https://doi.nebraska.gov/ Address: P.O. Box 82089 Lincoln, NE 68501-2089 Click here to Download the Nebraska Licensing & Continuing Education Guide. Nevada Division of Insurance Licensing Department Phone: 775-687-0700 Fax: 775-687-0797 Website: https://www.doi.nv.gov/licensing Address: 1818 East College Pkwy, Suite 103 Carson City, NV 89706 Click here to Download the Nevada Licensing & Continuing Education Guide. New Hampshire Insurance Department License Division Phone: 603-271-0203 Fax: 603-271-7029 Website: https://www.nh.gov/insurance/ Address: 21 South Fruit Street, Suite 14 Concord, NH 03301 Click here to Download the New Hampshire Licensing & Continuing Education Guide. New Jersey Department of Banking and Insurance Division of Insurance Phone: 609-292-7272 Website: https://www.nj.gov/dobi/aboutdobi.htm Address: PO Box 325 Trenton, NJ 08625 Click here to Download the New Jersey Licensing & Continuing Education Guide. New Mexico Office of Superintendent of Insurance Phone: 855-427-5674 Website: https://www.osi.state.nm.us/ Address: 1120 Paseo de Peralta, Suite 428 Sante Fe, NM 87501 Click here to Download the New Mexico Licensing & Continuing Education Guide. New York State Department of Financial Services Phone: 518-474-6630 Website: https://www.dfs.ny.gov/ Address: One Commerce Plaza, Suite 2003 Albany, NY 12257 Click here to Download the New York Licensing & Continuing Education Guide. North Carolina Department of Insurance Phone: 866-265-6329 Fax: 888-959-3010 Website: https://www.ncdoi.gov/licensees Address: PO Box 14209 P.O. Box 14209 Click here to Download the North Carolina Licensing & Continuing Education Guide. North Dakota Insurance Department Producer Licensing Division Phone: 701-328-2440 Fax: 701-328-4880 Website: https://www.insurance.nd.gov/producers Address: 600 E Boulevard Ave. Bismarck, ND 58505-0320 Click here to Download the North Dakota Licensing & Continuing Education Guide. Ohio Department of Insurance Licensing Division Phone: 614-644-2665 Website: https://insurance.ohio.gov Address: 50 West Town Street, Third Floor, Suite 300 Columbus, OH 43215 Click here to Download the Ohio Licensing & Continuing Education Guide. Oklahoma Insurance Department Phone: 405-521-3916 Website: https://www.oid.ok.gov/licensing-and-education/ Address: 400 NE 50th Street Oklahoma City, OK 73105 Click here to Download the Oklahoma Licensing & Continuing Education Guide. Oregon Division of Financial Regulation Phone: 503-947-7981 Fax: 503-378-4351 Website: https://dfr.oregon.gov Address: 350 Winter Street, NE Room 410-3 Salem, OR 97301-3883 Click here to Download the Oregon Licensing & Continuing Education Guide. Pennsylvania Insurance Department Bureau of Licensing and Enforcement Phone: 717-787-3840 Fax: 717-787-8553 Website: https://www.insurance.pa.gov Address: 1209 Strawberry Square Harrisburg, PA 17120 Click here to Download the Pennsylvania Licensing & Continuing Education Guide. Rhode Island Department of Business Regulation Insurance Division Phone: 207-624-8475 Website: https://dbr.ri.gov/ Address: 1511 Pontiac Avenue, Bldg. 69-2 Cranston, RI 02920 Click here to Download the Rhode Island Licensing & Continuing Education Guide. South Carolina Department of Insurance Phone: 803-737-6095 Fax: 803-737-6100 Website: https://www.doi.sc.gov/ Address: 120 Main Street, Suite 100 Columbia, SC 29201 Click here to Download the South Carolina Licensing & Continuing Education Guide. South Dakota Division of Insurance Phone: 605-773-3563 Website: https://dlr.sd.gov/insurance/default.aspx Address: 124 S. Euclid Ave., 2nd Floor Pierre, SD 57501 Click here to Download the South Dakota Licensing & Continuing Education Guide. Tennessee Department of Commerce and Insurance Producer Licensing Section Phone: 888-416-0868 Website: https://www.tn.gov/commerce/insurance-division.html Address: 500 James Robertson Parkway Nashville, TN 37243-1134 Click here to Download the Tennessee Licensing & Continuing Education Guide. Texas Department of Insurance Agent and Adjuster Licensing Phone: 512-676-6500 Website: https://www.tdi.texas.gov/ Address: 333 Guadalupe Austin, TX 78701 Click here to Download the Texas Licensing & Continuing Education Guide. Utah Insurance Department Phone: 801-538-3855 Website: https://www.insurance.utah.gov Address: P.O. Box 146901 Salt Lake City, UT 84114-6901 Click here to Download the Utah Licensing & Continuing Education Guide. Vermont Department of Financial Regulation Phone: 802-828-3303 Fax: 802-828-1633 Website: https://dfr.vermont.gov/industry/insurance Address: 89 Main Street Montpelier, VT 05620-3101 Click here to Download the Vermont Licensing & Continuing Education Guide. Virginia State Corporation Commission Bureau of Insurance Phone: 804-371-9631 Website: https://scc.virginia.gov/pages/Bureau-of-Insurance Address: P.O. Box 1157 Richmond, VA 23218-1157 Click here to Download the Virginia Licensing & Continuing Education Guide. Washington Office of the Insurance Commissioner Phone: 800-562-6900 Fax: 916-327-6907 Website: http://www.insurance.wa.gov Address: PO Box 40255 Olympia, WA 98504-0255 Click here to Download the Washington Licensing & Continuing Education Guide. State of West Virginia Office of the Insurance Commissioner Licensing and Education Phone: 855-766-7746 Website: https://www.wvinsurance.gov/ Address: PO Box 50541 Charleston, WV 25305-0541 Click here to Download the West Virginia Licensing & Continuing Education Guide. Wisconsin Office of the Commissioner of Insurance Phone: 608-266-8699 Website: https://oci.wi.gov Address: PO Box 7872 Madison, WI 53707-7872 Click here to Download the Wisconsin Licensing & Continuing Education Guide. Wyoming Insurance Department Phone: 307-777-7319 Website: https://doi.wyo.gov/licensing Address: 106 East 6th Avenue Cheyenne, WY 82002 Click here to Download the Wyoming Licensing & Continuing Education Guide. ​ ​ ​

Managing Objections Everything You need to know when first joining our firm! Overcoming Objections & Closing the Sale

Step 4: The Follow Up Everything You need to know when first joining our firm! Main Tools for your Follow Up Process Follow Up Interview Questionaire Fast Start Packet BPM Feedback Sheet Step 4: The Follow Up PPT

"DatabaZing" Helping you build your business! Farming your Database Developing your client market for financial services requires a strategic approach to attract and retain clients. Here are some steps you can take to accomplish this: ​ Identify your Target Audience: determine the specific segment of the market you want to focus on. Consider factors such as age, income level, occupation, and financial goals. Having a clear target audience will help you tailor your services and marketing efforts effectively. ​ Understand Customer Needs: conduct market research to understand the financial needs and pain points of your target audience. This will allow you to align your services with their specific requirements and develop solutions that address their challenges. ​ Differentiate your Services: identity what sets your financial services apart from the competition. Highlight your unique value proposition, such as specialized expertise, personalized advice, advanced technology, or exceptional customer service. Clearly communicate these differentiators to potential clients to make your services stand out. ​ Build a strong Online presence: establish a professional website that showcases your services, expertise, and testimonials from satisfied clients. Optimize your website for search engines to improve visibility. Leverage social media platforms and create engaging content to build credibility, share financial insights, and interact with your audience. ​ Develop a Referral Program: encourage satisfied clients to refer their friends, family, or colleagues to your services. Offer incentives, such as discounts or rewards, for successful referrals. Word-of-mouth marketing can be a powerful tool for expanding your client base. ​ Leverage Networking Opportunities: attend industry conferences, seminars, and local events to connect with potential clients and establish relationships with other professionals. Actively participate in online communities, such as financial forums or LinkedIn groups, to share your expertise and engage with individuals seeking financial advice. ​ Provide Educational Resources: offer informative content such as blog posts, articles, webinars, or workshops on relevant financial topics. Demonstrating your expertise and providing valuable information will help position you as a trusted advisor and attract potential clients. ​ Offer Personalized Consultations: provide free initial consultations or financial health assessments to potential clients (our Financial Needs Analysis). This allows you to understand their specific financial needs, showcase your expertise, and build rapport. Tailor your services based on their unique circumstances to demonstrate the value you can provide. ​ Develop Strategic Partnerships: collaborate with other professionals, such as accountants, lawyers, or real estate agents, who work with clients that may require financial services. Establishing referral partnerships can help expand your client base through mutual recommendations. ​ Monitor and Adapt: regularly assess the effectiveness of your marketing and client acquisition strategies. Track key performance indicators, such as website traffic, conversion rates, and client acquisition costs. Adjust your approach based on the feedback and insights you gather to continuously improve your market development efforts. ​ Remember, building a strong client market for financial services takes time and persistence. Consistently delivering value and exceptional service will help you establish a positive reputation and attract a loyal client base over time. ​New Agent Course The New Agent Course is a series of modules that cover the fundamentals of selling, and provide an overview of the technology and resources available to you. Topics covered in the modules include: ​ E&O Insurance and the Platform Fee Appointment Process How to Purchase Marketing Materials The WFG Product Guide - Commissions Training Center Help & Support ​ The modules can be completed in one sitting or in multiple sessions, depending on your schedule. You can access this training course through the Training Center. ​ How to get here: Go to www.mywfg.com Click on the Home Tab. Click on Recruiting & Selling. Click on Marketing Resources. Click on Yext Dashboard. New Associate Guides ​ Click on the links below to view the following guides: ​ U.S. Fees Guide . Platform Fee Brochure. Compensation Guide. Advertising Guidelines. Brand Guidelines. 3-3-30 Strategy Brochure. A ccess to Transamerica & Crump Appointment Process E&O plus Platform Fees Find and Read Commission Statements Help Support MyWFg Walk-Through Points Commissions Calculations Product Guide Purchase WFG Transamerica Marketing Materials Read Commission Schedules Resources Submitting Business in New York WFG Direct Understanding Commissions video Understanding Points video Advancements video

Templates Everything You need to know when first joining our firm! Templates: ​ Welcome to WFG Email & SMS Templates (to be sent by Upline/SMD). Licensing Coordinator 3-Way SMS (to be sent by Recruiter to both the Recruit and Licensing Coordinator). Licensing Coordinator Introductory Email & SMS Templates (to be sent by Licensing Coordinator) . Orientation Invite Email & SMS Templates. Post Orientation Invite Templates. Personal Financial Review Email Templates. Silence after AMA Series. More coming soon!

Social Media Helping you build your business! WFG Social Media channels: ​ WFG Facebook WFG Instagram WFG LinkedIn WFG YouTube WFG Twitter WFG Brand Guidelines WFG Advertising Guidelines WFG U.S. Fees Guidelines ​ ​ Transamerica Social Media channels: ​ Transamerica Facebook Transamerica Instagram Transamerica LinkedIn Transamerica YouTube Transamerica Twitter Transamerica Social Media University Other Presentations: "Napkin" One-on-One Presentation in English. "Napkin" One-on-One Presentation in Spanish. ​ ​

WFG Brochures Everything You need to know when first joining our firm! WFG Sales Brochures Core Financial Concepts Indexed Universal Life Insurance Life Insurance Long Term Care Insurance Money Matters Reach for Your Dreams Six Steps to Financial Independence The Power of Chioce WFG Recruiting Brochures Building Entrepreneurs Create Your Success Find Your Way Here Own Your Future Recognition & Rewards Strenght in Selection WFG Comapny Profile WFG Training Brochures 3-3-30 Strategy Flyer Agent Insurance Guide Compensation & Advancement Guidelines Fast Start Packet New Agents Opening a WFG Office Presentations, Obejections & Closing Senior Marketing Director WFG System Manual

Calculators Everything You need to know when first joining our firm! Multidisciplinary Calculators Retirement Income Security Evaluation Score™ Compound Interest Calculator

Recommended Media Recommended Books Recommend Us your Favorite Book Business The Family Bank Strategy by David T. Phillips What would the Rockefellers do by Garrett B. Gunderson Think & Grow Rich by Napoleon Hill The One Thing by Gary Keller The Volatility Shield by David Mcknight The Retirement Miracle by Patrick Kelly The Truth About WFG by Steve Siebold The Power Of Zero by David Mcknight Self Growth Tiny Habits by BJ Fogg Rich Dad-Poor Dad by Robert T. Kiyosaki Becoming Supernatural by Dr. Joe Dispenza 177 Mental Toughness Secrets Of World Class by Steve Siebold How Money Works: Stop Being A Sucker by Steve Siebold & Tom Matthews Expect To Win by Monte Holm The Power Of The Subconscious by Joseph Murphy Becoming Supernatural by Dr. Joe Dispenza Dollars Flow To Me Easily by Richard Dotts The 10x Rule by Grant Cardone The 12 Week Year by Brian P. Moran/Michael Lennington Recommended Podcasts Recommend Us your Favorite Podcast The Power Of Zero with David Mcknight The One Thing a Produktive podcast The Mindvalley podcast with Vishen Lakhiani Ed Mylett Show with Ed Mylet Clear Path: Your Roadmap To Health & Wealth by Transamericacenter.Org The Mind Your Business Podcast with James Wedmore The Jim Fortin Podcast with Jim Fortin

Associate Forms Everything You need to know when first joining our firm! How to Share files from Google Drive How to take Ownership of a Google Form New Associate Welcome Packet Tracker New Associate Overview Business Plan Overview New Associate Quick Personal Review PFR Questionnaire Money Matters Brochure: a PFR tool 7 Day Standard WFG 3-3-30 Strategy

Term & Permanent Life Insurance Everything You need to know when first joining our firm! Debt Consolidation ​ A major obstacle to a sound financial future is consumer debt. That is why it's important to have a strategy that helps reduce and eliminate it! ​ Give up a small luxury! Try it at least once a month and put the money you would have spent toward your credit card debt. This small sacrifice can make a big difference in the long run. For example: Suppose you owe $1,500 on a credit card and the interest rate you're charged is 18%. If you take a minimum payment of $37 per month, you would pay off your debt in 63 months. But if you pay $47, you'll pay it off in 44 months and save $272 in interest. ​ Remember that the Rule of 72 can work for you or against you! This concept can show you how your money can double in savings. It can also demonstrate the approximate amount of time it takes for your debt to double at a constant rate of return compounded over time. ​ This example shows how it works: Mary owes $10,000 on a loan, and the interest rate she's charged is 12% per year compounded annually. If she doesn't make any payments, at this interest rate it would take 6 years for the amount she owes to double. The Rule of 72: 72÷12=6 Rule of thumb: pay down debt quickly. And, make sure extra payments are applied to the principal. Click here to watch the Rule of 72 video by WFG. ​ Want to pay down debt more quickly? ​ Then debt roll-up, also known as the snowball method, may be the strategy for you. Getting started is easy - simply: Commit to stop borrowing. List all your debts in order of amount, from those with the lowest to the highest balance, or by interest rate, from highest to lowest. Pay more than the minimum payment each month on Debt 1 payment to each of Debt 2's minimum monthly payments, while continuing to make the minimum monthly payments on your additional debts. Repeat the process until all your debts have been paid. You'll get on a roll and pay off your debts faster. After one is fully paid off, you'll have the momentum and cash flow to tackle the rest. If you focus on paying off the balance with the highest interest, you will pay off your debts with a lower total amount of interest paid. ​ Want to Pay Off Debt Quickly? Stack It! video by WFG. ​ When basic debt management strategies are not enough, consider debt consolidation! Paying more than the minimum payment and using a debt-rollup strategy can help eliminate debt. But sometimes you need to make a power move: debt consolidation which is a form of debt refinancing in which you take out one loan to pay off many other loans, especially high-interest consumer debt. Debt consolidation can make managing your debts easier because it eliminates the number of creditors to pay each month. It also enables you to obtain an overall lower interest rate on your debt, so you can start working on other financial goals sooner. Here are two ways people consolidate their debts: ​ Enter a debt consolidation program: many nonprofit companies provide this service. They reach out to your creditors and arrange for you to make one payment of the debt consolidation organization, which is the used to pay your creditors. As part of their service, you get credit counseling that can help you manage your finances. ​ Debt consolidation loans: if you have a decent credit score and/or collateral such as a home, you may be able to get a debt consolidation loan. Your lender will either use the funds you've borrowed to pay your debts to each creditor, or deposit the funds into your bank account, so that you can then pay off the debts with the loan proceeds. ​ Links: Rule of 72 video by WFG. The high Cost of Waiting by WFG. GroupMe Download Center. Resources: Rule of 72 video by WFG. The High Cost of Waiting by WFG. Want to Pay Off Debt Quickly? Stack It! video by WFG. How Much Life Insurance do you Need? video by WFG. Core Financial Concepts brochure by WFG. Six Steps to Financial Independence brochure by WFG.

STEP 2: Pre-License Process Everything You need to know when first joining our firm! What to do: Meet with your Licensing Coordinator and create your Licensing Plan. Review your State Licensing Requirements . Sign-up for the Life and Health Pre-Licensing course . Attend the Orientation Overview with your Licensing Coordinator. Attend as many of the Pre-Licensing classes our team has created to help you pass both the Pre-Licensing Course and the State Exam. ​ ​ Notes: Save Licensing Coordinator's Name, Phone, and Email! Always communicate with the assigned Licensing Coordinator so you may know precisely where your Recruit is at in the licensing process. If your Recruit is unresponsive with their Licensing Coordinator, kick in and assess how you may help.​​ Links: Licensing State Requirements from Xcel. Select your Pre-Licensing Course from Xcel. Insurance Glossary from Xcel. Test Preparation Tips from Xcel. 10 Day Study Guide from Xcel. FAQ from Xcel.