This document provides information about World Financial Group (WFG), a financial services marketing company. It discusses WFG's vision to help consumers achieve financial independence and its system for building a successful business. The document outlines WFG's business opportunity, highlighting how representatives can earn income by helping families and build a team. It also reviews compensation structures and incentives. In summary, WFG aims to empower ordinary people to achieve financial goals through its training, tools and business model.

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4. Timing Is Everything
Now, more than ever, the market
is ripe for change – to be led by
a visionary financial services
company that is forward-looking
and knows what consumers
need and want before they know
it themselves.
World Financial Group
is that company.
4

5. 1946 Present
Baby Boomer Lifespan
• More than 80 million people – born between 1946
and 1964 – are considered members of the Baby
Boomer Generation.1 Generations X and Y –
comprised of people born between 1965 and 1994
– make up 42% of the U.S. population.2
1 According to http://www.AARP.com, June 2004.
2 Michael Fleischner, “Marketing to Generation X and Y,”
http://bigmarketing.wordpress.com/2007/01/30/marketing-to-generation-x-and-y/, Jan. 30, 2007.
Timing Is Everything
Toys Cars Retirement
Baby Food Fast Food Real Estate
5

6. Building on Strength
– AEGON N.V. is one of
the world’s leading life
insurance and pension
groups, and a provider
of investment products.
– AEGON NV’s major operations are the United States, the
Netherlands and the United Kingdom, and is present in a
number of other countries including Canada, Hungary,
Slovakia, Spain and Taiwan.
– AEGON N.V. was ranked one of the world’s top companies
in 2009 by Forbes in its annual ranking of the world’s
biggest and most powerful public companies.3
3 The Forbes Global 2000 is based on a composite measure of sales, market value, assets and profits.
Market value as of February 28, 2007. Published March 29, 2007 on Forbes.com. 6

7. Who Are WE?
World Financial Group, Inc.
Strategic Alliances to Serve Consumers
7
6 6
6 Maintains current selling agreement(s) with World Financial Group Insurance Agency, Inc. (WFGIA), and/or Transamerica Financial
Advisors 7

8. Who Are WE?
A company built with your family in mind that
believes, with your help, we can achieve
anything, including:
Our Vision:
– To build the world’s best and largest
financial services marketing organization.
Our Mission:
– To create financially independent families
positioned to realize their dreams.
Our System:
– Powerful proven solutions for building
a successful business.
8

9. Who Are WE?
World Financial Group, Inc.
An Opportunity
A Movement
With Your Future in Mind
No Family Left Behind®
9

10. Our Passion:
World Financial Group is committed to
helping people make informed choices
toward overcoming today’s challenges of:
Staggering consumer debt
– In 2008, studies show that as fewer Americans
were able to tap into their home equity, more
of them turned to high interest credit cards to
make ends meet. According to the U.S. Federal
Reserve, total credit card debt in America
reached $951.7 billion in 2008- up 8.2% from
the year before- the highest amount ever
recorded.4
4 Christian E. Weller, “Drowning in Debt,” Center of American Progress, May 2006.
5 U.S. Department of Commerce, Bureau of Economic Analysis, Gross Domestic Product and
Corporate Outlays, Aug. 30, 2006. Domestic Product and Corporate Outlays, Aug. 30, 2006.
Helping People Move Forward
10

11. Poor savings habits
– A survey prepared for the U.S.
National Foundation for Credit
Counseling indicates while many
Americans have spent less in 2009,
due in large part to the economic
downturn, that does not mean that
they are saving more. Nearly a third of
Americans have no savings outside
retirement plans and one-third have
not saved anything for retirement in
past year.5
11
5 U.S. Department of Commerce, Bureau of Economic Analysis, Gross Domestic Product and
Corporate Outlays, Aug. 30, 2006. Domestic Product and Corporate Outlays, Aug. 30, 2006.
Helping People Move Forward
Our Passion:

12. Our Passion:
Alarming lack of education
about financial fundamentals
– Only 42% of Americans surveyed by the National
Foundation for Credit Counseling (NFCC) pay close
attention to where their money goes average at
best and only a few had attempted to enhance
their understanding of how to manage their
money.6
– The NFCC’s survey also found that less than a
third of Americans know their credit scores. And
although one free credit report is made available
to them each year, 64% of Americans had not
ordered their credit reports in the past year.6
6 Gregory Crawford and Vineeta Arnand, “Looming Pension Crisis Needs Creative Solutions,” Investment
News, May 9, 2005.
7 Jack VanDerhei and John MacDonald, “Many Americans’ Retirement Hopes Are Filled with Holes,”
2006 Retirement Confidence Survey, Employee Benefit Research Institute, April 2006.
Helping People Move Forward
12

13. Our Passion:
8 Acording to the American Bankruptcy Institute based on data from the National Bankruptcy Research Center,
http://www.abiworld.org/AM/Template.cfm?Section=/CM/ContentDisplay.cfm&CONTENTID=50271, January 3, 2008.
9 Jessica Bennett, “United We Owe: Plastic Predicament,” Newsweek, www.msnbc.msn.com, August 18, 2006.
Helping People Move Forward
Living dangerously above one’s
means
– U.S. non-business bankruptcy filings for the
12-month period ending June 30, 2009
totaled more than 1.2 million nationwide,
an increase of 34% from the same time last
year.7 The sharp rise has been attributed
to a heavy consumer debt load made
worse by the home mortgage crisis.
13

14. Our Passion:
Insufficient insurance protection
– Many U.S. households continue to be
underinsured with one third of
American adults carrying no life
insurance at all.8
– Only 41% of adult Americans have
individual life insurance. Many rely on
insurance provided by their employers,
leaving many employees without
coverage if they were to lose or change
their jobs.9
9 Jessica Bennett, “United We Owe: Plastic Predicament,” Newsweek, www.msnbc.msn.com, August 18, 2006.
Helping People Move Forward
14

15. The WFG Financial Dream MapTM 10
10 The WFG Financial Dream Map™ is a suitability and needs analysis developed by World Financial Group. The analysis is based upon
information obtained from sources believed to be reliable and accurate. However, discuss any legal, tax or financial matter with the
appropriate professional. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale
of any specific security or financial service.
15

16. Financial Concepts
 Develop a clear picture of where you want to go.
 Set Goals.
 Design a program to outpace inflation and reduce taxation.
• Put the Rule of 7211 to Work for You
• You can determine what kind of savings plan works best for you and your
budget by using The Rule of 72 – dividing 72 by the interest rate to estimate
the number of years it takes for your money to double.
11All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect the performance risks, expenses or charges associated with any actual investment.
Past performance is not an indication of future performances. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of
return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. Additionally, there are no
guarantees that any investment or savings program can outpace inflation. Please note that high risk has been historically associated with high returns.

17. The High Cost of Waiting
17
40
35
30
25
20
15
10
5
$286.45/mo.
$13,609.73/mo.
$5,466.09/mo.
$2,889.85/mo.
$1,697.73/mo.
$1,051.50/mo.
$670.98/mo.
$435.94/mo.
Years Until Retirement Time can be your worst enemy or your greatest
ally. No matter where you are in life, the key to
building an asset accumulation program is to
begin saving now. The sooner you begin, the
less money you will need to put aside to create
solid savings for your future.
The following is an example of monthly
retirement savings required to reach a $1
million retirement goal with an interest rate of
8%, tax deferred.11
11 All figures are for illustrative purposes only and do not reflect an actual investment in any product. They do not reflect
the performance risks, expenses or charges associated with any actual investment. Past performance is not an
indication of future performance.
A Solution:
The World Financial
Group Opportunity
Put Time On Your Side. Get Started Now.
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18. WFG: An Uncommon Opportunity
WhyPeopleDon’tTakeAction
Fear of failure
Loss of income
stability
No proven system
or product
Lack of Capital
HowWFGHelpsYouGetThere
WFG helps you succeed by providing you
access to tools, training and mentoring from
leaders who have made it in our business.
Start with WFG part-time and keep the security
of your existing job while starting your WFG
business.
WFG, through its affiliated companies, offers
financial services needed by all families and
provides a business system for you to follow.
Get started with WFG for a minimal start-up
cost.
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19. Building Income through
World Financial Group offers an excellent income opportunity, whether
you’re looking at the business as a twin career or a full-time commitment.
The following example shows how helping one family results in a $2,808 commission
paid to the field.12,13 For this example, the commission amount is based on an
average Index Universal Life (IUL) Insurance Policy sale to a 40-year-old male who is
contributing $185 per month to the IUL.
12 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools
13 Commission amount may vary based on product type and size of purchase.
14 This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or will be achieved.
Income is earned from sales of World Financial Group authorized products and services. No income is earned for recruiting.
See the current World Financial Group Field Manual for compensation percentages on all diversified product lines. All
compensation plans subject to change. Promotional criteria/designations are determined and offered by or through
World Financial Group. Personal percentages earned on products may vary based on promotional level with WFG.
As of Jan, 1, 2007, WFG Associate contract level of 35%, Senior Marketing Director contract level of 65%,
Senior Marketing Director override level of 30%.
15 Associates of World Financial Group are independent contractors, regardless of field title/designation. Many people have
experienced different 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. Rresults are representative of what all participants achieve
when following the World Financial Group system.
Per Month Per Year
Associate14,15
helps four families per month $3,999 $47,988
Senior Marketing Director14,15
helps four families per month $7,188 $86,256
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World Financial Group12

20. Building Income through
12 Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools
13 Commission amount may vary based on product type and size of purchase.
14 This is a hypothetical scenario for illustrative purposes only. There is no assurance that these results can or will be achieved.
Income is earned from sales of World Financial Group authorized products and services. No income is earned for recruiting.
See the current World Financial Group Field Manual for compensation percentages on all diversified product lines. All
compensation plans subject to change. Promotional criteria/designations are determined and offered by or through
World Financial Group. Personal percentages earned on products may vary based on promotional level with WFG.
As of Jan, 1, 2007, WFG Associate contract level of 35%, Senior Marketing Director contract level of 65%,
Senior Marketing Director override level of 30%.
15 Associates of World Financial Group are independent contractors, regardless of field title/designation.
16 Example assumes all Marketing Director’s team members are at the Associate level.
Many people have experienced different 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. Results are
representative of what all participants achieve when following the World Financial Group system.
World Financial Group offers an excellent income opportunity, whether
you’re looking at the business as a twin career or a full-time commitment.
The following example shows how helping one family results in a $2,808 commission
paid to the field.12,13 For this example, the commission amount is based on an
average Index Universal Life (IUL) Insurance Policy sale to a 40-year-old male who is
contributing $185 per month to the IUL.
World Financial Group12
Per Month Per Year
Senior Marketing Director
with a five-person team14,15,16
Only Senior Marketing Director’s team
members16 helps four families per month
Senior Marketing Director and each team
members16 helps four families per month
$23,137 $277,644
$15,949 $191,388
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21. PeopleAll contests, awards and related promotional criteria,
events and designations are offered by or through
World Financial Group, Inc. (WFG) and/or
Transamerica Financial Advisors. (TFA). In order to
qualify, an individual must be a member in good
standing of WFG and TFA, if applicable.
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.
The WFG Environment allows ordinary
people to achieve extraordinary things.

22. The WFG Environment allows ordinary
people to achieve extraordinary things.
RewardsAll contests, awards and related promotional criteria,
events and designations are offered by or through
World Financial Group, Inc. (WFG) and/or
Transamerica Financial Advisors (TFA). In order to
qualify, an individual must be a member in good
standing of WFG and TFA, if applicable.
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.

23. The WFG Environment allows ordinary
people to achieve extraordinary things.
RecognitionAll contests, awards and related promotional
criteria, events and designations are offered by
or through World Financial Group, Inc. (WFG)
and/or Transamerica Financial Advisors (TFA).
In order to qualify, an individual must be a
member in good standing of WFG and TFA if
applicable.
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.

24. Consider Your Options
Option 1 –
Client
– If you are satisfied with your
career and discretionary
income, consider becoming a
client.
– Take advantage of WFG’s
strategies to help move toward
financial independence.
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25. Consider Your Options
Option 2 –
Self-employed/Twin Career
– Licensed, quality profession
with a great training program
– Earn supplemental income
through your personal effort
– Control your time and create
a career on your terms
– Potential positive tax benefits
of self-employment
25

26. Consider Your Options
Option 3 –
Business Owner
– Using our system, build a WFG business as
big as your commitment and vision
– Take advantage of a variety of incentives,
including:
• Renewals • Trails
• Bonus pools • Stock options17
• Entrepreneurial program
17 Eligibility/availability governed by governing plan documents. 26

27. 27
Take the Next Step
World Financial Group –
Helping You Move from Dreaming to Doing®
When You Act On It
Set up a follow-up interview in the next 24 to 48 hours.
A Good Opportunity
Only Becomes Great

28. World Financial Group, Inc. (WFG) is a financial services marketing company whose
affiliates offer life insurance and a broad array of financial products and services.
Securities are offered through Transamerica Financial Advisors. (TFA),
Member FINRA/SIPC.
Insurance products are offered through World Financial Group Insurance Agency, Inc.
(WFGIA) or its subsidiaries.
WFG, TFA, WFGIA are affiliated companies.
Headquarters: 11315 Johns Creek Parkway, Duluth, GA 30097-1517, PO Box 100035,
Duluth, GA 30096-9403. Phone: 770.453.9300. WorldFinancialGroup.com
©2007 World Financial Group, Inc. Printed in the USA 1751/3.08