1

JCHT Team 2010

First Financial Security

This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

• Insurance Broker Company

• Represented the Top and Largest

Insurance Companies in 50 States

• Headquarter in Norcross, GA

• Licensed in 50 States

• Specialized in Indexed Products

Use for recruiting purposes only.

Indexed Products

Safety of

Principal

Fixed

Products

1% to 3%

Risk of

Principal

Equity

Products

Upside

Potential

Indexed

Products

4

$150,000

$140,000

$130,000

$120,000

$100,000

$160,000

$170,000

$90,000

$110,000

$100,000 Invested in 1997

Indexed AccountLarge Company Stocks

This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services.Use for recruiting purposes only.

The above graph is for recruiting

purposes only and does not reflect any

particular product or investment. Index

Account assumes annual point to point

with a 7% cap. Large company stock

numbers provided by Yahoo Finance and

calculated by FFS. Results may vary.

Secret #1Never Lose Money

8/1997 8/1998 8/1999 8/2000 8/2001 8/2002 8/2003 8/2004 8/2005 8/2006 8/2007 8/2008 8/2009

$149,937

$126,925

$139,237

$95,529

$115,449

$117,435

$129,330

$152,488

$133,977

$103,775

$134,631

$105,012

$114,490

$122,504 $122,504

$140,255

$155,476

$166,359

$150,073

$131,080

$107,000

$166,359

Protection & PotentialMany people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both.

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Compound Interest-The Rule of 72Simply divide the number 72 by your expected rate of return to determine the number of years it will take your money to double.

65 $640,000

59 $320,000

53 $160,00065 $160,000

47 $80,00056 $80,00065 $80,000

41 $40,00047 $40,00053 $40,000

35 $20,00038 $20,00041 $20,000

29 $10,00029 $10,00029 $10,000

Money doubles every 6 yearsMoney doubles every 9 yearsMoney doubles every 12 years

Age 12%Age 8%Age 6%

65 $40,000

47 $20,000

29 $10,000

Money doubles every 18 years

Age 4%

“The most powerful force in the universe is compound interest.” 1

- Albert Einstein

"The person that understands compound interest will earn it. The person that does not will pay it!“ 2

- Albert Einstein

1 richnow.wordpress.com Secrets of the rich revealed, Don’t ignore The power of Compound Interest, Dec.6, 20062

Ibeatmybank.com/see_how_it_s_done.html

Secret #2Compound Interest

Secret #3Tax Advantages

Pay taxes on the seed?

Pay taxes on the harvest?

Tax

Deferred

Accumulation

Tax

Free

Distribution

Tax

Deductible

Contribution

Which would you choose?

You can only get two of the three!

FFS nor any of its associates offer tax advice. Please consult with your tax

professional. Use for recruiting purposes only.

Maximize Your Tax Advantages

Secret #3Tax Advantages

•Term Life–10/20/30 years

–Temporary

–No Cash Value

•Whole Life–Permanent

–Pay until age 100

–Fixed Interest Rate for Cash Value

• 2-4%

•Universal Life–Permanent

–Add Riders with

Extra Premium

–Fixed Interest Rate forCash Value

• 2-4%

•Variable Life–Variable Interest Rate

• Depend on Stock Market

Different Typesof Life Insurance Policies

• Life Insurance–Flexible Premium

–Adjustable on Benefits

–Permanent

–Tax-free death benefit

• Access to Death Benefit in case of illness:

–Terminal Illness

–Chronic Illness

–Critical Illness

–Tax-free benefits

• Cash Value - Index–Upside Potential

Cap 12- 15%

–Downside Protection

Min 1-3%

–Tax-deferred

–Tax-free distribution

• Potential Income–Lifetime Income

–Tax-free Income

Life Insurance “You don’t have to die to use”

Retirement DisabilityLife

Insurance

Accelerated Living

Benefits

$200 $200 $200 $200 = $800+ + +

Rejected!

Can You Afford The Individual Policy?

Missed Fortune Video

Douglas Andrew

Index Universal LifeIs The Best Vehicle for Saving

MSNBC News

•Add 10% Premium Bonus on all 1st year premiums

•Contract Value

– Upside Gain Potential (cap 30%)

– No Downside Risk

• Income Account Value

– Guaranteed 8% for the next 20 years

– Guaranteed Lifetime Income Benefit Rider

Indexed Annuity

Indexed AnnuityNews

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Business OwnerRetirement Program

G1

LOAN

CORPORATEENTITY

TRANSFER

PRODUCT

COLLATERALASSIGNMENT

CLIENT

• We fund the money as a Business Loan

• The owners select the investment product to invest their loan

–Indexed Annuity

–Owners will earn the compound interest

• The Business Loan – Pay simple interest from Business Check Book

–Tax write-off as a business expense

–10, 15, or 20 years or renewable for longer periods

• No personal guaranty is required

• This program starts as $100,000 loan

• Business starts at least 2 -5 yrs

Business OwnerRetirement Program

Employee Benefits Program

• No Cost to Employers

• Contract is individually owned by Employees

Employees can continue to fund the

contract(s) if employees terminate

employment

• Contribution Premiums

Are made after-tax

Are made via payroll deduction

Grow tax-deferred

• Distributions are tax-free

Roth IRA

Indexed

Annuity

401k

IRS ApprovedYES YES

Contributions/

PremiumsAfter Tax Before Tax

Tax DeferredYES YES

Guaranteed

PrincipleYES NO

Guaranteed

EarningsYES NO

Tax FREE

DistributionsYES NO

Employee OwnedYES NO

Lifetime Income YES NO

Indexed

Universal

Life

Group

Term

Premium PaymentsEMPLOYEE EMPLOYER

Flexible PaymentsYES NO

Employee OwnedYES NO

Permanent LifeYES NO

Earned Cash ValueYES NO

Guaranteed

PrincipleYES N/A

Guaranteed

EarningsYES N/A

Tax FREE

DistributionsYES N/A

Lifetime IncomeYES N/A

Employee Benefits Program

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FFS offers you a risk-free opportunity to

build a business of your own with…

• No Major Investment

• No Franchise Fees

• No Loss of Job Security

• No Experience Required

This is not a solicitation or offer to purchase any product. FFS is not a franchise. FFS does not charge any fees for the right to engage in the business of offering, selling or distributing goods or services. Use for recruiting purposes only.

Lifestyle Change

• No Inventory

• Unlimited Territory

• Unlimited Opportunity

The FFS opportunity is for everyone:

• Part-time Second Income Earner• Personal Producer• Business Builder

Be in business for yourself not by yourself.

GENERATIONAL OVERRIDES are earned once you become an RMD or higher and are based on what “generation” a leader is to you. For example, an RMD who personally reports to you would be a 1st Generation and an RMD who reports to him/her would be a 2nd Generation to you and so on. Generational Overrides are paid in addition to infinity overrides.

All FFS Compensation plans and Promotion Standards are subject to change without notice. Commissions based on gross field payout. To ensure quality growth throughout our organization, all RMDs must validate for their position by maintaining the minimum leader legs and production points required for that promotion level. The validation period for RMDs and up is a rolling 12 month period.No more than 1/3 of promotion point credit can come from any one leg’s production. A recruit leg counts if they have joined FFS, holds a valid insurance license in their resident state, and becomes appointed with FFS preferred companies. Production requirements are Super Team RMD Base thru 6th Generation closed points AV.FFS pays 100% of gross commissions on all products to the field.FFS is a financial services company marketing various insurance products throughout the U.S. To represent or earn a commission from FFS, you must be properly licensed and appointed in your state. The examples in the brochure are for recruiting purposes only and are not a solicitation of any product.

**See current Company Override Pool, Diamond Club Pool, and SEFC Bonus Pool guidelines for complete details.

RevolutionaryCompensation

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All FFS Compensation plans and Promotion Standards are subject to change without notice. Commissions based on gross field payout. To ensure quality growth throughout our organization, all RMDs must validate for their position by maintaining the minimum leader legs and production points required for that promotion level. The validation period for RMDs and up is a rolling 12 month period.No more than 1/3 of promotion point credit can come from any one leg’s production. A recruit leg counts if they have joined FFS, holds a valid insurance license in their resident state, and becomes appointed with FFS preferred companies. Production requirements are Super Team RMD Base thru 6th Generation closed points AV.FFS pays 100% of gross commissions on all products to the field.FFS is a financial services company marketing various insurance products throughout the U.S. To represent or earn a commission from FFS, you must be properly licensed and appointed in your state. The examples in the brochure are for recruiting purposes only and are not a solicitation of any product.

**See current Company Override Pool, Diamond Club Pool, and SEFC Bonus Pool guidelines for complete details.

RevolutionaryCompensation

Let’s Show The Money

How Much Do You Want to Make?

• Join FFS - $125 one time membership fee

• Pre-Licensing Class– Fees: $160 (including training book & CDs)

– 2 days class (8 hours/per day in VA & MD)

• Life & Annuity Exam– Fees: $58 (VA), $70 (MD)

• Life License– Fees: $15 (VA), $59(MD)

– 2 years renewal

• Criminal Record Check– Fees: $15 (VA)

• Purchase E&O Insurance (when you write on applications)

• Anti-Money Laundering for Insurance Producers– Online Course

– Cost: Free

• Appointed with FFS and Insurance Companies by:– Login: www.FirstFinancialSecurity.com

Get Started Now!