by Steve Phillips, Chief Sales Officer

Value. It's a word that we hear often in our daily lives. You talk to your clients about the value of an asset, the people and things they value in life, and the value of life insurance and annuities in their retirement plans. The word "value" is defined by Merriam Webster as "a fair return or equivalent in goods, services, or money for something exchanged." But for us at Creative Marketing, that just simply doesn't cut it.

 

As a producer, we think you deserve a lot more than "a fair return." It's about exceptional service and support, a leader who's constantly one step ahead of changes on the industry's horizon, and a true partner who will stand by you through the good times and the challenging. We've spent nearly a year developing something so spectacular that we think you'll agree – the value you should expect from your IMO will never be the same again.

BIGGER JUST GOT BETTER

In an effort to help you reach your maximum potential, we're proud to introduce the producer's Maximum Compensation Plan. For making the decision to do business with us, you can earn benefits that are unrivaled in the industry. If the name doesn't say it all, the five ways you can get paid on the business you submit with Creative will. That's right, you can get paid five ways on your cases – at ZERO cost to you. You don't even have to enroll in a program or fill out a form to make it happen.

First, you'll receive a competitive commission on the business you submit, just as you always have. Next up, your production generates marketing dollars you can earn via our Accelerated Marketing Plan (AMP). These uncapped quarterly cash rewards are a great way to pay for marketing expenses like seminars, client appreciation events, advertising and printing costs, and just about anything else you can think of. Then, you'll earn credits toward our annual agent incentive trip. For those of you who've attended a Creative Convention in years past, you already know about the experiences you enjoy and memories you make on these best-in-class trips. If you haven't yet qualified to attend one, now is the perfect time to start. Both annuity and life production submitted during this calendar year will get you closer to joining our 2013 Epic European Experience, a seven-night Mediterranean cruise that promises to be out of this world.

But in order for the Maximum Compensation Plan to stand apart, we think you need to get paid now and get paid later. For those of you doing business with carriers such as Aviva, Fidelity & Guaranty Life and National Western, the business you submit can translate into deferred compensation set aside on your behalf to be accessed during your retirement years. And given that you've dedicated your career to helping others retire comfortably, we think it's only right that when it's your turn to retire, you can do the same. That's why we've introduced your fifth way to get paid: our new IMO-provided deferred compensation plan.

REACHING YOUR MAX

Just like Creative's many firsts to market, our deferred compensation is a true game changer. You'll be automatically enrolled in the program as soon as you meet the qualification requirement and contributions start at $3 million of production in one calendar year. We'll make contributions on your behalf without you having to sacrifice a dime from your existing contracts or lift a finger, and soon you'll be able to calculate and track the money in your plan online at any time.

PRODUCTION	ANNUITY	TARGET LIFE (X10)
$3-5 million	10 bps	20 bps
$5-10 million	12 bps	24 bps
$10-15 million	15 bps	30 bps
$15-20 million	17 bps	34 bps
$20 million+	20 bps	40 bps

Contribution rates are made in a tiered structure, as seen in the chart below. You can earn up to 20 additional basis points for annuity production and up to 400 additional basis points for target life production. To keep the process simple, we've created a five-year vesting schedule, and each year's contribution vests individually. There is no penalty for not meeting the $3 million target in any year, and no re-enrollment is required. Plus, the deferral time and payout period are both in your control. You can start taking payouts as soon as five years from the contribution date, and select whether you want to be paid out over five years, over 10 years or in a lump sum. We've even built in hardship provisions to allow for earlier payouts should you become disabled or an unforeseeable emergency occurs.

PARTNERS FOR LIFE

At Creative Marketing, we get it. The path you've chosen to pursue is a noble one. The economic turmoil and financial strains many of today's American families face are very real. Without individuals like you in the insurance and financial services field, it would be that much more difficult for consumers to achieve their goals and enjoy their retirement years as they deserve. But if we weren't working just as hard for you, striving to help you achieve your personal financial objectives, our job wouldn't be complete. Once you've chosen to partner with us, we'll be there every step of the way throughout your career – even as you transition into life after work.

We talk a big game … but that's because we're completely prepared to back it up. If there was any doubt in your mind about how we define your value to our organization, we hope the Maximum Compensation Plan has removed all traces. Now is the time to turn your production into a reality for today and continued success for tomorrow. Reaping the benefits of a partnership with us really is that simple, so why write business anywhere else? Say goodbye to all IMOs being equal. Call your Annuity Consultant or Life Sales Relationship Manager for help maximizing your value to clients while increasing the value of your retirement savings!

FOR AGENT USE ONLY. NOT FOR USE WITH THE GENERAL PUBLIC. 12164 - 2012/1/30
Creative Marketing does not offer any other compensation in lieu of the Creative Marketing International Corporation Non-Qualified Agent Deferred Compensation Plan ("Deferred Compensation Plan"). Agent eligibility is subject to qualification and at the sole discretion of Creative Marketing. All interests in the Deferred Compensation Plan are general obligations of Creative Marketing International Corporation and are not held in trust or otherwise guaranteed or secured. Administration of the Deferred Compensation Plan will be determined by the specific terms of the plan document which may be modified, amended or terminated at Creative Marketing's sole discretion. Disability and Unforeseeable Emergency are defined terms in the Deferred Compensation Plan and have specific meanings. Please refer to the Deferred Compensation Plan document for details.