PINNACLE BROKERAGE FIRM 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 States. 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 products. 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. 1.Cancer 2.Heart and Stroke 3.Hospital Indemnity 4.Intensive Care 5.Accident 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 questions: 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 months. GROSS INCOME EARNINGS EXAMPLE 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 Destinations 2 Incentive Trips A Year To Amazing And Fun Destinations 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 forward. 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 felony? 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 #1 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 #2 Go to our website, www.pbfirm.com and review each page in order to fully understand our business and what we do. #3 Come up with a list of any questions you may have about our Company or our business. #4 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!