Promo guideline

1. Canadian COMPENSATION &
PROMOTIONs Guidelines
Effective Feb. 1, 2011 • Updated April 2013
A Transamerica Company
2

2. 173 Points on
Transamerica’s
Wealth Advantage
UL Product
Developed by WFG associates
for WFG associates
More compensation paid to
the field than ever before
S
trengthens WFG’s core
business-building philosophy
S
treamlined Levels and
Promotional Guidelines
Reengineered Bonus Pools to
reward growth
A Position of Strength
World Financial Group Canada Inc. (WFG) provides its associates
with a powerful, competitive compensation and promotion
program that supports its superior business platform. WFG offers
you the chance to build a business of your own, with the exciting
prospect of rising through the promotion levels and earning an
income that can help you and your family prosper for generations
to come.
WFG believes that, in order to grow, it must compete against
the offerings from other financial services companies to attract
and retain quality, professional associates. Through the years, the
company has continued to improve its compensation and promotion
guidelines to help maintain this competitive advantage.
In 2011, a committee comprised of field leaders representing
a wide variety of teams, made substantial changes to WFG’s
compensation and promotion programs. As a result, WFG has
one of the most robust compensation and promotion structures
in the financial services industry.
Promotion Guidelines1
Associate (Level 10)2
Executive Marketing Director
(EMD – Level 65)6
3 – 3 – 30
(Recruit 3 new associates and
observe your field trainer complete
3 non-securities sales calls in 30 days.)
OR
20,000 net points in a rolling 3 months
Rolling 6 Months
• 3 direct SMD legs7
• 500,000 base thru 1st net points5
Rolling 12 Months
• 3 direct SMD legs7
• 750,000 base thru 1st net points5
Marketing Director (MD - Level 17)2
Rolling 3 Months
• Life license required
• 3 direct associates
• licensed associates in downline
5
(Licenses can be a combination of life
licenses and other licenses, including
RESP and, in Quebec, health license.)
• 40,000 base shop net points
CEO Marketing Director
(CEO MD – Level 70)6
Rolling 6 Months
• 6 direct SMD legs7
• 1 million base thru 1st net points5
Rolling 12 Months
• 6 direct SMD legs7
• 1.5 million base thru 1st net points5
Rolling 3 Months/Rolling 12 Months
• ife license required
L
• 0 licensed associates in downline
1
(4 must be life licensed and the
remaining can be a combination of
other licenses, including RESP and,
in Quebec, health license.)
• direct legs
3
(1 direct leg must be an MD – Level 17)
• olling 3 months: 75,000 base net points5
R
Rolling 12 months: 225,000 base net points5
• 35,000 or more in rolling 12-month
$
cash flow
EXECUTIVE
BASE
Senior Marketing Director
(SMD – Level 20)3, 4
Executive Vice Chairman
(EVC - Level 87)6
Rolling 6 Months
• 9 direct SMD legs7
• 1.5 million base thru 1st net points8
Rolling 12 Months
• 9 direct SMD legs7
• 2.25 million base thru 1st net points8

3. Compensation1
Base Shop
Title
Training Associate
Associate
Marketing Director
Senior Marketing Director
Based on 100% Table 10
Transamerica UL9
45
62.3
88.2
114.2
Life
26
36
51
66
Mutual Funds
24
34
49
64
Generational Overrides
Level
1st Generation
2nd Generation
3rd Generation
4th Generation
5th Generation
6th Generation
Total Generation Override
Transamerica UL9
Life
20.8
12
9.5
5.5
5.2
3
3.5
2
1.7
1
0.9
.5
41.5
24
Mutual Funds
12
5.5
3
2
1
.5
24
Transamerica UL9
3.5
Life
2
Mutual Funds
5
Transamerica UL9
13.8
Life
8
Mutual Funds
7
1732
100%
Supervisory Overrides
Title
Branch Manager
Total Pool Contribution
Total
Base Shop Pool10, 11, 12 40%
• SMDs and Up
• 0,000 base shop net points
1
with 3 or more Recruits; or
• 5,000 base shop net points
1
with less than 3 Recruits
• ays top 125 Qualifiers
P
13
Super Base Bonus Pool12, 14 30%
• EMDs and Up
• 5,000 base shop net points and
1
100,000 base thru 1st net points
• ualifies on base thru 1st
Q
Generation net points
• Pays on 1st Generation net points
• ase shop qualification exemption
B
for Chairman’s Circle and
President’s Circle members
13
100%
Super Team Bonus Pool12, 14 30%
• EMDs and Up
• 00,000 base thru 1st net points and
1
500,000 base thru 6th net points
• Qualifies on base thru 6th
Generation net points
• ays on 1st thru 6th Generation
P
net points
13
Powerful Compensation, Serious Business

4. 1 FG’s Compensation System and Promotion Guidelines are subject
W
to change at any time. Unless otherwise specified, promotion and
compensation guidelines are for all WFG associates.
2 Promotion requires approval of direct upline SMD.
3 Promotion requires approval of direct SMD and CEO MD.
4 Exchange leg only occurs once upon promotion to SMD.
5 No more than half (1/2) Net points can be personal and
one-half (1/2) or less Net points can be from any other leg for
SMD promotions. For EMD and CEO MD promotions, no more
than half (1/2) Net points can be personal and only one-half
(1/2) or less Net points can be from any other leg or your own
base shop.
6 Points/Legs earned through Base Shop Standard of Excellence
will not count toward promotions. Promotions to EMD require
the associate to be dually licensed.
7 An exception promotion to Level 20 will not count as a leg
toward an upline’s Executive Level promotion until that Level 20
associate fulfills all the published SMD requirements.
8 No more than one-third (1/3) of Net points can be personal and
one-third (1/3) or less Net points can be from your own base shop
or any other leg.
9 Percentages based on the Transamerica Wealth Advantage
Universal Life product.
10 Meeting the minimum requirements does not guarantee
inclusion in the Base Shop Pool.
11 For bonus pool payout information, please go to MyWFG.com.
12 Pool compensation is subject to change at any time without
prior notification.
13 Percentage of total pool dollars.
14 To participate in the Super Base and Super Team bonus pools
the associate must be mutual fund licensed.
1
Many people have experienced various levels of
success with World Financial Group. However,
individual member experiences may vary. This
statement is not intended to nor does it represent
that any current member’s individual results are
representative of what all participants achieve
when following the World Financial Group system.
For Internal Use Only.
©2013 World Financial Group Canada Inc.
2513CN/6.13