Information Kit - The Force

3

Helping FamiliesAs a WFG associate you take part in our goal to help families have a better future and help create generations of people who understand the financial fundamentals that allow them to better manage and protect their money

In the United States

bull Three in 10 self-identified middle-class consumers say they are living paycheck-to-paycheck and fewer than half believe the American Dream is alive2

bull Thirty percent of households lack life insurance and 20 percent of households with children under age 18 are uninsured3

bull Only 6 in 10 workers feel confident in their ability to retire comfortably4

In Canada

bull More than half (52 percent) of Canadians are just $200 or less away from financial insolvency at the end of the month5

bull Twenty-eight percent of Canadians surveyed donrsquot have life insurance6

bull Only 5 percent of Canadians report having saved more than enough for their retirement while 41 percent say they have saved less than enough7

Many families especially those of middle-income have uncertain financial futures and may not get the help they need The traditional financial services industry which seems only to serve the wealthy has left them behind But WFG is dedicated to serving families and individuals of all incomes

WFG business owner Racquel Ramlal and her family are just one of the millions of families WFG associates have helped Herersquos her story

ldquoEleven years ago my parents became clients Wersquove always been interested in saving money but we never had anyone who paid enough attention to us And then someone from WFG sat down with us and was able to help my parents and was eventually able to help me They sat down with me and helped me see a way to be able to build toward my financial independence I know it works because it happened with me And when I saw that I said lsquoGreat I can do this for other people toorsquordquo

As a WFG business owner you can build a strong business by providing financial services to families in need

4

Helping WomenMany WFG business owners are working hard to make a difference by serving the ldquowomenrsquos marketrdquo which refers to the significant and growing financial assets held by women as well as their growing influence and control of financial decision making Studies show women are becoming more engaged in their finances yet the industry has not changed to adequately serve them8 As a result the industry falls short in capturing the $112 trillion market of investable assets controlled by women9

This means the door is open for you to make a difference When you consider the ways women contribute to their familyrsquos financial well-being and to the general economy the potential of your WFG business is clear

United States

bull There were 163 million females in the United States in 2015 compared to 158 million males10

bull As of 2015 womenrsquos participation in the workforce reached 567 percent11

bull Women are expected to control two-thirds of the nationrsquos wealth by 203012

bull In 2015 42 percent of mothers were the sole or primary breadwinners in their households bringing in at least half of family earnings13

Canada

bull In 2010 women made up 504 percent of the population and in 2011 48 percent of the workforce14

bull As of July 2015 women controlled nearly 40 percent of investable assets15

Women want help from somebody who understands their needs and according to a recent study 55 percent of women between ages 25 and 34 prefer working with female advisors16 With your experience knowledge insight and the support of the WFG business platform you can build a business that is equipped to truly engage and serve everyone in your community including women and their families

Kathryn Wang Burlingame CA Previous Career Computer Sales amp Special Ed Teacher

ldquoWFG is both inspiring and exciting because it provides people with equal opportunities for personal growth no matter your background ndash such as race education old or young ndash or when you join And it provides equal opportunities for financial services no matter if you are rich or poorrdquo

Jaime Villalovos Agoura Hills CA Previous Career Health Club Manager

ldquoWFG is an extraordinary business opportunity for all people male or female but especially for women WFG gives women the ability to become business owners without having to produce large sums of capital to get their businesses off the ground WFG also gives women ndash married women single moms or single women ndash the opportunity to build a career around their lives And finally at WFG there is no ceiling glass or otherwise that can stop any woman from [leading] her very own profitable organizationrdquo

5

Power in Your CornerAs a WFG business owner you can serve hundreds if not thousands of families who are in need of help and earn a favorable return on your skills knowledge and time commitment

World Financial Group Inc World Financial Group Canada Inc and their affiliates are Transamerica companies Transamerica companies offer a wide array of life and health insurance and retirement solutions that can help create better tomorrows by protecting families

With WFG dedicated to your businessrsquo success you have power in your corner with a solid business platform as well as the resources and support you need to build a business that can change lives Some of things you have access to as a WFG associate include

bull The marketing and administrative muscle of WFGrsquos corporate offices that support your businessrsquo operations from day one and as it grows

bull Experienced field leaders who have each built his or her own financial services business from the ground up They have a vested interest in your success and provide mentoring and training that can help you take your business to the next level

bull You also have the opportunity to take your business in different directions whether that is (1) primarily selling insurance products (2) offering securities products in the United States through Transamerica Financial Advisors Inc or selling mutual funds in Canada through WFG Securities Inc or (3) providing a combination of both insurance and securities products

Licensed WFG associates have access to some of the industryrsquos most well-known companies giving your business access to products and services to help your clients

bull Replace income in the event of the unexpected loss of a loved one

bull Create a source of savings

bull Cover educational expenses for children

bull Fund their retirement

bull Create a legacy for their heirs

Womenrsquos Financial Challenges

Women make or influence up to 80 to 90 percent of buying decisions17 Despite this financial power many face financial uncertainty due to the following challenges and other issues

The gender wage gap A lifetime of earning less than men puts women far behind in terms of retirement readiness They typically are less financially secure than their male counterparts and bring fewer resources to retirement For example retirement income for women ages 65 and older is 56 percent less than the median income for men in the same age group18

Excelling in education but trailing in the workplace In both the United States and Canada women outpace men in the number of college and graduate degrees received but they do not find proportional success in the workplace19

Care-taking responsibilities Many women take time away from the workplace to care for children or loved ones According to one estimate for every year a woman is out of the workforce she has to work five extra years to recover the lost income20

Saving enough for retirement Since women leave the workplace to care for their loved ones they miss the opportunity to make consistent contributions to workplace retirement plans Plus because of their longer life spans they are more likely than men to outlive their savings21