Darholy Financial Services, LLC

Darholy Financial Services, LLC

An Independent Insurance Marketing Company Who We Are

For Agent Use Only – Not For Use With The Public

2010

Darholy Financial Services is an independent insurance marketing company affiliated with the best insurance companies available in the USA. This is a company that recognized financial land mines and offer solutions to our consuming public. One of our main focuses is to educate everyone about our comprehensive tax strategies. We offer savings plans that really work in minimizing and avoid taxation. In this company we will make sure everyone gets what they deserved as Clients and Agents alike. We have the best compensation system that really makes sense and it’s second to none. Our overall system is so easy and truly duplicable for our serious entrepreneurs. We enlighten, encourage and empower people in offering the best protection(s) they might need while they are saving for their future. In DFS, you have the freedom to run a company within a company. As a DFS Sales Associate, you are King, you are free, you are independent, you are your own boss, and you are a Business Owner. DFS’ ultimate goal is for everyone to

“Dream Again”

TOP PRIORITY

The Ultimate Dream: To change your family’s

DESTINY- By building Financial

Independence in your life time, you influence your

family’s lives for generations to come.

-The Financial estate you build today gives future generations the kind of

options for their lives that are only dreams for most

people

Business Ownershi

p

Control your own destiny

Financial Security

Unlimited Income

To Live and

enjoy life to its fullest

Financial Freedom

2010

The Dream


DFS

DFS

DFS

BUSINESS OPPORTUNITY WITH LEVERAGE

* Great Products – Life Insurance, Final Expense, Cancer, Worksite UL2 and Health Insurance* Great Compensation – Traditional and Multi Pay System

* Bonuses and Rewards * Non Captive – But Captivating

* Profit Sharing* Turnkey System* Affiliated with solid and strong companies


2010

DFS

DFS

AFFILIATED COMPANIES

SPWL with 10% bonus with no surrender charge and Non-Med Term

Cheapest Term – Full Underwriting65 non-med to $250,000 – Big UL doubles your death benefit at the first 15 years.Full line living benefits and Plan Right GI

Full line Living Benefits Annuity with8% bonus and Long Term Care

Impaired Risks, Final ExpenseGuaranteed Issue and Term with ROP


2010

Conservative UL w/ two years Commission

A Life and Health Insurance Company

Life Options EIUL, Conseco ProvidenceWorksite UL – Portable, GI or EIO,

Cancer,Hospital, Accident, and Wage Guard

Health Insurance Provider forIndividual or Group

CONSECO, LLC isThe Right Partner to have

As a One Complete Company

TODAY’S DILEMMAS

Average Americans lost at least 40-50% of their life savings in today’s market

90% that owns a savings vehicle plan has no protection and subject to severe taxation

90% that have life insurance has no “Living Benefits”

All of them dreamed to retire comfortably but most end up in nightmares in today’s market

Insurability and Unforeseen Illnesses AriseFor Agent Use Only – Not For Use With The Public

2010

Every 29 seconds; someone suffers from a coronary event.

Every 45 seconds; someone suffers a stroke. 45% of heart attack victims are under age 45. Men have a 1 in 2 risk and women have 1 in 3 of

developing cancer in their lifetime. At age 65 the odds are nearly one in two that you will

require nursing home services for at least 2 ½ years An extreme illness can cost well over $100,000 in out

of pocket expenses.

How do you protect against an

unforeseen illness?

For Agent Use Only – Not For Use With The PublicWe Have The Solutions

2010

1. Tax Free Retirement Planning (Savings Vehicle)

2. Living Benefits – (Chronic, Critical and Terminal)

3. Higher Cash Value Accumulation w/ Guarantees (Upside Potential with Downside Protection)

4. Non-Medical Term with ROP 5. Impaired Risks, Simplified and Guaranteed Issue6. Long Term Care, Cancer, Accidents, Health

Insurance, Nursing Home and Primary Insured Term Riders

7. Off setting bonuses from our carriers8. Waiver and Return of all Premium9. Accidental Death Benefit ( Most of the time it doubles your

death benefit if you died accidentally) For Agent Use Only – Not For Use With The Public

DFS Offers all the keys

of a life insurance

2010

Disability RetirementIncome

Life Insurance =

Multiple Needs, One Combined, Affordable Solution


Life Insurance You Don’t Have To Die To Use

Protect yourself and your family while saving for the future

TerminalChronic and

Critical Illness

2010

PROTECTION AGAINST UNPREDICTABLE

MARKET


S&P 500 IUL - Annuity

0 -3.1% ------------7 -11% ------------11 to no cap Bottom Cap Avg.

Top CapSavings Plan that is better than Bank savings accounts.

Bank Savings Account GuaranteedUpside potential

Downside Protection

Non-Guaranteed

Upside Potential with Downside Protection – Indexed Universal Life

The fact is 30% of your hard earn dollar goes to pay taxes and 30.4% goes to pay interests. Where would you save the remainder?

2010

Graphs are not an actual results. It is intended for hypothetical use only.


SPWLProtect your promises while you

saveSingle Premium Whole Life

and Indexed Universal Life

SPWL /IUL VS Annuity CD/401KTax Free Death Benefit Yes No

No/NoLiving Benefit Yes Yes

No/NoFlexible Premium Yes Yes

No/YesAvoid Probate Yes Yes No/NoLoan Privileges Yes Yes No/YesTax Deferred Growth Yes Yes No/YesBonus Available on Premium Yes Yes

No/NoLifetime Income Option Yes Yes No/NoPotential High Yields Yes Yes No/YesTax Free Distribution Yes No (unless it’s Roth IRA)

No/NoProtection From Creditors Yes Yes

No/No

2010

TAX NOW - TAX LATER - TAX FREEIncomeStocksMutual FundsCapital gains, CDBank Savings Interests

401k, 457, 403b, TSPIRA, SEP, SIMPLE, Annuity and many other qualified plans

Off-Shore StocksMunicipal Bonds Roth IRA – LimitedLife Insurance - EIUL


Tax-Free Retirement

2010

#1 Tax Trap

Agent – 60%

Senior Agent – 70%

Sales Manager – 75%

GA80%

SNGA95%

ENGA100%

10,000 Annualized Premium



All promotions – maximum credit for largest leg is 75%. GA – SNGA promoted to next level when you replace yourself. Rep to Sales manager – based on organization annualized premium.

Compensation shall be paid in accordance with the standard practices and procedures of the Company, which practices and procedures may be changed by the Company at any time . Table of First-Year-Commissions. This schedule is subject to change by the Company at any time. For Agents Use Only

NGA90%

COMPENSATION and PROMOTIONAL GUIDELINES on

Traditional System

SGA85%

Managerial Promotion Is Through Duplication

Representative – 50%

ForesterUHLIAPSagicorLSW

Non-Qualified DFS Sales Associate may share commissions with a licensed producer as a referral fee on a training sale. If the producer chooses to pay, the payment may not be conditioned on the purchase of insurance nor may the purchase of insurance be a factor used in determining the amount of the referral fee. Non-qualified producer must refrain from selling, solicit or negotiate the insurance being sold.

2010

CONSECOCOMPENSATION GRID

GA100-50

SGA 200-60

NGA 300-70

SNGA 400-90

ENGA 500-125

FOUNDER1000-200

75% 1.6

78% 1.6 81% 1.6 84% 1.6 87% 1.6 93% 1.6 2-10

9% 12% 15% 18% 21% 27%3% 6% 9% 12% 15% 21%2% 5% 8% 11% 14% 20%2% 5% 8% 11% 14% 20%1% 4% 7% 10% 13% 19%1% 4% 7% 10% 13% 19%0% 3% 6% 9% 12% 18%0% 3% 6% 9% 12% 18%

GA 1st

GA 2ndGA 3rd

GA 4th

GA 5th

GA 6th

GA 7th


Associate 40% 5-3

Associate Agent 50% 10-6Senior Associate Agent

60% 25-10Associate Manager 65% 50-20Senior Associate Manager 70% 75-30

GA 8th

Multi Pay System All promotions – maximum

credit for largest leg is 75%. Associate – ENGA promotional guidelines must be met in order for the promotion to take effect to the next level. Promotion is based on organization annualized premium and required recruits. Multi Pay starts at GA.

Non-Qualified DFS Sales Associate may share commissions with a licensed producer as a referral fee on a training sale. If the producer chooses to pay, the payment may not be conditioned on the purchase of insurance nor may the purchase of insurance be a factor used in determining the amount of the referral fee. Non-qualified producer must refrain from selling, solicit or negotiate the insurance being sold.

2010

THE POWER OF THREE


You 3 sales a month = $6,000Based on average sale of $2000/month net income

1 2 3

Bring in three

Each one does three sales a month

= $18,000 = $3,600Avg. 20% Managerial Override

Your Sales + Your Overrides = $9,600 monthly income

EX: To Calculate a $200 a month premium at 60%

$200 x 12 = $2400 x 60% = $1,440DFS will Advance 100%

2010

MOMENTUM

BUILDER REWARD

Bring in 3 new paid sales associates to join the company receive one of the following services or cash for fun bonus.* Two nights 5 star Hotel Accommodation w/ Dinner for two * $199.99 Cash in or credit it to a new recruit* Two nights and three days escapade* Bed and Breakfast•One Personal Video Montage ($300 value)* Hot Balloon Ride

Caesars Palace


2010

HOW TO GET STARTEDClick icon to add picture


• Provide Three Training Sales• Commit to the Power of Three• Get Licensed• Start-Up Kit (Pay 199.99 Application Fee)

• Webpage (limited to Licensed Associates)• Tax-Free Retirement Book• DVD – Company Overview• Automatic Participation of the Award and

Bonus Program

• Work with your Managers• Utilize Our Website www.darholy.com and look for training dates and location, attend if possible. Download forms and register to join.

2010

http://www.darholy.com/

THANK YOU

See You At The Top

2010


Documents

Darholy Financial Services, LLC