Q: What all is included when I join the Exit Advisors Affiliate Program?

A: Let me go over what's included in the program:

• Full support for the strategy from SPI and our experts 7 days a week
• All future updates to the program
• In the beginning of 2008, we are planning to begin a monthly coaching call with our experts and Exit Advisors doing well around the country
• High commission schedule for the annuities placed
• Access to all of the tools you need to produce Structured Sale annuities yourself, without having to hand your client over to another structured annuity planner
• Direct access to the annuity issuers who offer the Structured Sale annuity product

*The benefits above are in addition to the training and materials that The Settlement Institute provides you through their training program, which we require all Affiliates to go through and pass.

Q: As soon as I join the Exit Advisors Affiliate Program™, can I begin offering the Structured Sale annuity and earning the highest commission payout?

A: You can offer the Structured Sale annuity strategy to your clients any time you wish. SPI has two commission sharing schedules.

1. Level 1: Referral commissions. Any licensed life producer can earn very attractive referral commissions on transactions that are referred to SPI and an annuity is funded. This level is available to any licensed life producer, with our without going through the training program.
2. Level 2: Affiliate status. Affiliate status is gained by completing the approved training through The Settlement Institute and supplying SPI with the proper documents (life license, proof of E&O insurance, background check performed by SPI). After all requirements are fulfilled satisfactorily, (some affiliates have done so in just a few short days) SPI will activate your affiliate status and you can begin offering the strategy to your clients and be eligible for the highest commission payout (please contact SPI to learn of the commission schedule... you'll be surprised how high our affiliates are paid)

Q: How much does it cost to become an Exit Advisor Affiliate™?

A: Settlement Professionals Inc. does not charge anything to join our Affiliate program.

However, as was mentioned above, to provide a better service and higher commissions to our Affiliates we do require that Affiliates go through a training program in order to gain full benefits of the program.

As a pre-requisite to gaining "Affiliate Status" and earning the highest commission share, the following training course is approved by SPI to fulfill the training requirement.

Course: Provided by a 3rd party educator and approved by SPI.

Exit Advisor Training Program - Cost $397
Company - The Settlement Institute
Contact - http://www.settlementinstitute.org

We found this training course to decrease the learning curve for professional advisors on the topic and to be the most comprehensive on the topic anywhere.

Because of the advanced nature of the Structured Sale strategy, it would be irresponsible for SPI to not require training on the strategy prior to our partners advising their clients on the strategy.

In addition, by completing the training, Affiliates are much more knowledgeable on the strategy, its process, and tax/legal details. As a result, SPI can offer a higher commission share to our Affiliates because they require less "hand holding" on each transaction.

Q: Do I have to have a life insurance license in order to join the Exit Advisors Affiliate Program™?

A: Yes, you do. The Exit Advisors Affiliate Program™ through Settlement Professionals Inc. is strictly a program to enable licensed life insurance producers to add the Structured Sale annuity to their line of product offerings.

Life insurance regulations require that anyone who receives commissions from the placement of life insurance contracts (including annuities), hold a valid and current life insurance license in the state(s) they solicit business.

*NOTE: The Settlement Institute's training program is separate and not related to our program, other than the fact that we require our Affiliates to go through their training program prior to gaining affiliate status with SPI. The Settlement Institute wishes us to mention that there is NO REQUIREMENT for a life insurance license in order to join their Exit Advisor Training. It is open to all professional advisors who wish to learn about the Structured Sale annuity strategy in-depth.

Q: I know that as an Exit Advisor Affiliate™ I am eligible for earning attractive commissions on the Structured Sale annuity (Ensured Installment Sale™). Is this strategy competitive and is it easy to "sell" to my clients?

A: The Structured Sale annuity is a niche strategy that, in our opinion, should be on the list of strategies for all professional advisors. As on of our Affiliates has said, "It would be irresponsible not to at least give my clients this option".

However, just like with any strategy, the Structured Sale annuity (Ensured Installment Sale™) is not for everyone and should not be seen as a one size fits all solution. What SPI has found, is that around 10-20% of sellers will have goals that fit the Structured Sale annuity strategy. (i.e.- want a guaranteed stream of income, safety backed by a large life insurance company, capital gains tax deferral, a "for sure" thing... not just hopes that their investment will do well, etc.).

Of those 10-20% of sellers, a portion will choose to utilize the strategy, and a portion will choose to utilize other strategies.

Truly, what the Structured Sale annuity is perfect for is creating solid streams of tax deferred income. If the seller does not need the income and simply wants to have the funds grow in an investment account or stocks, the Structured Sale may not be the best option. However, if the seller needs a guaranteed base of income for a certain period of time... or for life, the Structured Sale usually beats out other methods.

Q: Is this a "business opportunity"?

A: NO. THIS IS NOT A "BUSINESS OPPORTUNITY". The Exit Advisors Affiliate Program™ is simply a program that enables professionals to offer the Structured Sale (Ensured Installment Sale™ annuity), receive the tools to produce these annuities through our company, and earn industry high commissions on these transactions.

After joining the program, you are a private contractor and are simply joining with SPI for the specific purpose of offering the Structured Sale annuity product to your clients. Your commissions of course depend on your ability to process Structured Sale annuity transactions.

Q: What is the Ensured Installment Sale™ (aka Structured Sale annuity), and why should I learn about it?

A: The Ensured Installment Sale™ (aka Structured Sale annuity) is a fixed, guaranteed annuity product created specifically for the purpose of helping sellers of highly appreciated assets defer capital gains taxes.

The annuity product was created by a Fortune 50 life insurance company in 2005 and has been backed up by top tax and legal authorities including the #6 tax attorney in the U.S.

Since the creation of the annuity product in 2005, another top rated life insurance company has entered the market as well.

To learn more about the Structured Sale strategy, you can visit:

http://www.structuredsalespro.com

Q: Why should I work with a structured annuity broker? Can't I just work directly with the life insurance company... especially if I'm already appointed with them?

A: At this point, both top rated life insurance companies offering the Structured Sale annuity strategy do not allow producers to work directly with them to place structured sale annuities.

These life companies have appointed a handful of structured annuity brokers around the U.S. who are certified and trained to offer these types of annuities. Producers who are already appointed with the insurance companies offering these annuities currently cannot work directly with the annuity issuer to place these annuities.

All structured sale annuities must be placed through a certified structured annuity broker such as Settlement Professionals Inc.

Q: Settlement Professionals Inc. is the only structured annuity broker requiring a training program; why should I work with Settlement Professionals Inc. instead of another structured annuity broker?

A: In the beginning we did not require our professional advisor partners to go through a training program. However, early on we discovered that to most professional advisors, structured annuities are completely new to them.

With each professional advisor we worked with in the beginning, SPI would work with the advisor and their client to put together an effective Structured Sale annuity plan and implement it correctly.

As you can see, this often required a lot of hands on work from SPI and a lower commission share for the advisor. Not to mention the fact that our team was working full time educating each and every advisor by phone on the strategy from A - Z.

We soon discovered that this process was not best for our professional advisor partners or our company. Our advisor partners wanted a larger commission share, and we wanted to free up our experts so we could help our partners work on transactions more efficiently.

So, to do this, we sought out an existing training program on the Structured Sale annuity that met our standards that each professional advisor partner could access at their own leisure to learn the strategy from A - Z. The Settlement Institute created the most comprehensive program on the market and we helped them add more elements to the training to bring it up to our standards.

Now our professional advisor partners can learn about the strategy, process, how to market it, and more at their leisure. Advisors who go through the training have a better understanding of the strategy and the exact step-by-step process of implementing the strategy... so we are now able to increase the commission share to among the highest in the industry. In addition, we bring our Affiliates up to the point where they are eligible for direct appointment with each annuity issuer so they can have the flexibility of doing all work, including quoting in house rather than contacting us to do so.

To sum it up: Would you rather work with a broker who has poor support, requires you to contact them for quoting, provides you with the basic minimum to get going, and only sees you as a source of referrals?

or

Would you rather work with a broker who provides you everything you need to seamlessly add the strategy to your business, full support, high commissions, continuous business building, and who has a stake in your success?

The choice is yours.

Q: How do I offer the Ensured Installment Sale™ (Structured Sale) annuity strategy to my clients?

A: This annuity strategy is offered by several of the worlds largest life insurance companies and is specifically designed for helping sellers of highly appreciated real estate defer capital gains taxes.

Currently, these life insurance companies do not allow life insurance licensed individuals to work directly with them on these annuities without an appointment under a qualified structured annuity broker. They require life licensed individuals to work through their appointed structured annuity brokers, of which there are only a select hand full throughout the U.S.

Settlement Professionals Inc. has created a special "Exit Advisors Affiliate Program™" that enables professional advisors like you, to offer the strategies to your clients and earn handsome commissions on the annuities.

Joining the program is much more than simply certifying you to sell the annuity. It provides full support, marketing templates and materials, networking with the other members, access to all updated transaction documents and tutorials, tools to help you build your business through the Structured Sale annuity, and much more.

Learn more about the program here >> Exit Advisors Program