1% lifetime renewal commission

Secure Your Future
Hello Everyone!!
I want to thank you for your time and
consideration of our Company today.
This presentation will take you about 20 minutes
to read through. By the end of this presentation
you will definitely know whether or not our
Company is a fit for you.
We are constantly looking for new sales
professionals all across the United States.
All 2nd Interviews will be held on a one on one
basis with a leader in your area.
Our Company History &
Who We Are
Founded in 2002, Pinnacle Brokerage Firm
provides supplemental benefit plans to
small to mid-sized businesses as well as
individual families, insuring hundreds of
thousands of people across the United
Sales and Marketing Side
Pinnacle Brokerage Firm
Founded by Larry Salerno, President
Operates Offices in: Texas, Missouri, Washington,
Arizona, Oklahoma, California, Tennessee, South
Carolina, Indiana, Michigan, Maryland, Nevada,
Kansas, Iowa, North Dakota, Montana, Wisconsin,
Minnesota, Kentucky and Florida with new offices
opening monthly
Headquartered in Houston, Texas
$7,500,000.00 in new sales each year with an
additional $50,000,000.00 of prior year’s sales in
force just since 2002
Product and
Development Side
Family Heritage (Product Side)
Founded by Howard Lewis and Jerry Grabowski
 Founded in 1989
 Headquartered in Cleveland, Ohio
 Over $100 Million in Assets
 Over $1 Billion in Receivables
The Products We Sell
Supplemental Health Benefits
The key difference that sets us apart from the
competition in the supplemental marketplace is
the RETURN OF PREMIUM feature on our
This means if our clients never get sick or hurt, all
of their payments go into a savings plan. After the
state appointed time (usually retirement age), all
of their premiums are refunded.
Here are the different types of coverage we offer.
2.Heart and Stroke
3.Hospital Indemnity
4.Intensive Care
6.Term Life
Who We Sell To
 Small
Businesses and Individual Families are
our target market. Our products are designed to
help them plan and protect their futures, as well as
the futures of their families.
How We Sell Our Products
Our Prospecting Methods
We teach our sales force a strict referral
based method called Pre-Approach followed
up by a system called Hot Lists.
 We do cold-call during the first few months.
 After that, approximately 80% of your sales
should come from referral appointments.
Is This Business A
Good Fit For Me?
If you are motivated, results-driven and
energetic, Pinnacle Brokerage Firm is the
place for you.
We Offer :
Great Pay Plans
Stock Options
Lifetime Renewals
Cash Bonuses
The Product Presentation
The product presentation that follows is set up
as you would present it to a Business Owner or
Family. It takes about 20 minutes.
As you go through it: Ask yourself these three
Do I think it’s a good product?
Could I learn to present it?
Out of 30 presentations per week, how many would
apply for coverage?
Why We Do So Well
Our average plan sells for only
$63.00 a month or $750.00 a year
The key to success is consistent activity.
Present to Business Owners and Families
8 Hours per day 5 Days a week
6 Presentations per day
First Year Commissions
The average yearly premium is $750.00.
Our sales professionals will see 6 prospects per
day or 30 per week.
The average first year sales professional will
sell an average of 6 policies per week.
Our sales professionals earn 30% commission
on the annual premium sold for the first 12
1 sale a day = $60,000.00
2 sales a day = $120,000.00
Renewal Commissions
Beginning with the second year, you will be paid a
renewal commission for every active policy.
Full vesting after only five years locks you in a
permanent income, regardless of your future
affiliation with Family Heritage.
Yr.2 =50% Yr.3 =60% Yr.4 =70% Yr.5 =100%
Your lifetime renewal commission is 2% for the life
of each policy sold.
Renewal Earnings Example
1 sale a day = $40,000.00
2 sales a day = $80,000.00
Your renewals are paid out over the life of the
policies sold.
Company Incentives
Quarterly Cash Bonuses
Monthly Cash Bonuses
2 Company Meetings A Year At Vacation Type
2 Incentive Trips A Year To Amazing And Fun
Company Stock
Stock Dividends
Company Stock Options
Every time a Sales Professional sells one application
they earn one:
Pre-IPO Stock Offering Option
FHL Stock has grown at a rate of approximately
25% a year for the past 20 years
All Option Holders also receive a
Cash Bonus (Dividend)
FHL Equity Bonuses have grown over:
20% a year for the past 16 years
Leadership & Management Income
Our Leaders earn a 5% first year commission on the
total first year annual premium produced by their team.
Our Leaders also earn a 1% lifetime renewal
commission on those premiums from month 13
A 5 person team that sells one app a day each will bring
in a Leader an additional $50,000.00 a year in first year
earnings as well as an additional $88,000.00 a year in
lifetime renewal earnings.
Retirement Programs Review
If all you ever do is sell 6 Applications per
week, over the course of 10 years, this is
what you will have built.
After 10 Years the wealth you will have built
will be:
 Over $400,000 in Renewal Income – Vested
for Life
 Over $250,000 in Stock Appreciation
 This is a Total of $650,000 in Net Worth
What It Takes
To Get Started
1st You must obtain a Life, Accident and Health
Insurance License in your home state. Depending on the
state you live in, the cost for the training class and the test
will range from $250 to $350.
We will also reimburse your license fees after you write
your first 50 policies!
2nd You must attend our Corporate “Sales School” training
program. It lasts 1 week. We pay your airfare and hotel
expenses while you are there.
This is where we will teach you everything you need to
know in order to do well in our business.
What It Takes
To Get Started
3rd Once out of training class, you will then be in
a 2 week detailed “Field Training” program. This
is where you will be accompanied in the field, by
an experienced sales trainer to help you get up
and going.
4th The turn around time for your first paycheck
is about 3 weeks from the time you start your
pre-license training class.
3 Questions And Answers To Ask
In Order To Work With Pinnacle
Brokerage Firm
1. Have you ever been charged with,
convicted of or plead no contest to a
Answer must be NO
2. Is travel a possibility for you?
Answer must be YES
3. What is the time frame for you in
starting a new career?
Must be less than 1 month
Where Do You Stand?
#1 What appeals to you the most about
our Opportunity?
#2 On a Scale of 1 to 10 : How interested
are you in being considered for a position
with Pinnacle Brokerage Firm?
If you are at a 7 or higher you are definitely
a candidate for us to talk to.
Next Steps For A
Second Interview
If your answer on the previous slide to question #2
was a 7 or higher, we want to talk with you. So here
are the steps you MUST follow in order to be called
back for a 2nd Interview.
Email your resume with a cover letter to the
following address: [email protected] and
include your city & state of residence in the subject line.
In you cover letter be sure to include the answer to the
following question: What appeals to you most about our
opportunity? Also, include the best time to contact you over
the phone for your “Personal Interview”
Next Steps For A
Second Interview
Go to our website, www.pbfirm.com and
review each page in order to fully
understand our business and what we do.
Come up with a list of any questions you
may have about our Company or our
Be available to receive you 2nd Interview
call within the next 24 hours.
It’s That Simple
That’s the job in a Nutshell.
If you are definitely interested in pursuing a career with
Pinnacle Brokerage Firm, please make sure you get us your
cover letter and resume today! We answer them in the order
that they are received.
I really appreciate everyone’s time today and I look forward to
speaking with a number of you soon!
After you log out of the Interview session, be sure to wait a few
seconds and you will be directly sent to our website.
So, Goodbye for now! Have a Fantastic Day!