A New World of

OPPORTUNITYNo Family Left Behind™

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1 Securities offered through World Group Securities, Inc. (WGS or World Group Securities), member NASD/SIPC, a member of the AEGON Group. WGS Headquarters: 11315 Johns Creek Parkway, Duluth, GA, 30097-1517. 770.453.9300. WGS is not a licensed insurance entity. Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA). WFGIA is an insurance agency licensed to conduct insurance business in all states, except in those jurisdictions that prohibit foreign insurance agencies then such business is conducted through duly qualified subsidiary agencies thereof. Headquarters: 11315 Johns Creek Parkway, Duluth, GA, 30097-1517. WorldFinancialGroup.com. 770.453.9300. Securities products and investments are sold by prospectus only and are not FDIC insured, may lose value and there is no bank guarantee.

2 As of April 2005.

WHO WE ARE

WE ARE:• A marketing company with tremendous resources• A company that represents some of the world’s leading

financial services providers, not just one, to the consumer• A leadership team with vast experience in the financial

services industry• Part of a family of affiliated companies including World Group

Securities, Inc.1, which, based on its number of registered representatives, is among the Top 1 percent of broker-dealers in the United States.2

• A company driven by its mission.

We are World Financial Group – a financial services marketing organization whose associates, through its affiliated companies, offer a broad array of financial services products.

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A COMPANY BUILT WITH YOUR FAMILY IN MIND

Our VisionTo build the world’s best and largest financial

marketing organization.Freedom. Prosperity. Entrepreneurship.Our Mission

To create financially independent families positioned to realize their dreams.

No Family Left Behind™Our System

Powerful proven solutions for building a successful business.

Simple. Duplicable. Predictable.

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BUILDING ON STRENGTH

• AEGON N. V. is one of the world’s leading listed life insurance companies ranked by market capitalization and assets.

• AEGON’s three major markets are the United States, the Netherlands and the United Kingdom. In addition, the group is present in a number of other countries including Canada, Hungary, Slovakia, Spain and Taiwan.

• AEGON N. V. was ranked 83rd out of 2000 companies in 2005 by Forbes magazine in its annual ranking of the world’s biggest and most powerful public companies.3

OTHER MEMBERS OF THE AEGON GROUP4 INCLUDE SUCH COMPANIES AS:

WORLD FINANCIAL GROUP —A Member of The AEGON Group

3 The Forbes Global 2000 is a comprehensive list of the world’s biggest and most powerful companies as measured by a composite ranking for sales, profits, assets and market value. Published April 18, 2005 in Forbes.

4 All of the companies listed may not be available for World Financial Group Associates to do business with, and are listed here only for the purposes of illustration and information. Securities products are sold by prospectus which contain more complete information about changes, limitations and expenses. Copies of specific product prospectuses and statement of additional information may be obtained by contacting your registered representative. Prospectuses should be read carefully and the charges, limitations and expenses should be carefully considered before investing or spending money.

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WHAT THE EXPERTS SAY

“WFG … has built their entire company around providingthe same financial (information), tools, services, and personal care

available to the rich, to every family, regardless of income.”

– Carson V. Conant, editor in chief, AdvantEdge magazine

“Of all the companies that I have had an opportunity to work with ...all over the world, WFG really stands in a great position to target a market

that most people neglect, … to (provide middle-income individuals and families with) sound financial tools and financial literacy and education to

be able to plot their own futures in this ever-changing world of finance.”

– Blair Singer, behavioral change specialist and author of SalesDogs

“The changes in the economy.The changes in careers. The changes in jobs.

The changes in technology. The changes in marketing practices.It is as if every force at work in the universe is

aligned to make this WFG strategy go.”– Tom Peters, business guru and best-selling business author of In Search of Excellence

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THE PASSION TOCHANGE AN INDUSTRY

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Once in a while there are giants that emerge to change an industry and create a new market.

WAL-MART® 5

Revolutionized retail sales with operations in nine countries around the world.

STARBUCKS® 6

Revolutionized the way to sell coffee with businesses in USA, Europe and Asia.

WORLD FINANCIAL GROUPOur goal is to revolutionize the financial services industry by bringing a fresh, new approach to empower the world on how money works.

DRIVEN BY OUR CAUSEAt WFG, we are also driven to achieve our goals and be the best by the passion we possess for:

OUR CAUSE WFG recognizes the need for widespread financial education, particularly among middle-income individuals and families who are typically overlooked by the financial services industry and could readily benefit from exposure to important financial concepts and solutions.

5 Wal-Mart is a registered trademark of Wal-Mart Stores, Inc. For the purpose of this case study, information is according to the Wal-Mart Timeline. http://www.walmartstores.com. 6 Starbuck’s is a registered trademark of Starbuck’s Coffee Company. For the purpose of this case study, information is according to the Starbuck’s Timeline and History.

http://www.Starbucks.com/aboutus/timeline.asp.

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7 U.S. Federal Reserve, May 2005. 8 Baker,D. “Dangerous Trends: The Growth of Debt in the U.S. Economy.”

Washington, D.C.: The Center of Economic and Policy Research, Sept. 2004. 9 U.S. Census Bureau, “Facts for Features: Back to School.” August 2005.

With an alarming lack of education about financial fundamentals, people need the tools and guidance to help them make informed choices to meet today’s challenges.

10 Weller, Christian E. Ph.D. “Families Work Longer to Pay for Middle-Class Items than a Quarter-Century Ago,” Center for American Progress, Oct. 2005.

11 American Council of Life Insurers, ACLI Life Insurers Fact Book, 2003.

THE NEED EXISTS

STAGGERING DEBT• In 2005, people were spending beyond their means:

• Consumer Debt = More than $2 trillion7

• Household Debt = 116% of disposable income (record high)7

POOR SAVINGS HABITS• Savings as a share of disposable income: 1980s = 10 % 1990s = 5% 2000s = 2%8

HIGH COST OF COLLEGE• College costs have more than doubled from 1990 to 2005.• Average Annual College Tuition over 4 years: Public: $42,640 Private: $124,2049

RETIREMENT & THE RISING COST OF LIVING• Things have changed for the average two-earner American family in the last 25 years:

• They have $1,702 less to save for retirement after paying for basics such as clothing, food and utilities.10

UNEXPECTED LOSS• If you should die unexpectedly, without proper protection, your family could be facing

serious financial concerns. Average Single Insurance Death Claim = $11,44211

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THE GREAT STRUGGLE:FAMILY VS. FINANCE

MANY FAMILIES TODAY ARE STRUGGLINGTO MAKE ENDS MEET. AS A RESULT, THEY:• Are one or two paychecks away from

being out on the street.• Are drowning in debt, the great

plague of our society.• Read restaurant menu from right

to left — focusing on prices first.• Can’t afford to have one spouse

stay home with the children.• Argue over finances.• Lead quiet lives of desperation.

THE WFGFINANCIAL ROADMAP:

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World Financial Group is positioned to help individuals and families make the right choices and steps toward financial independence.

FINANCIAL CONCEPTSTHE PRINCIPLE OF BUILDING EQUITY12

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RULE OF 7213

12 This concept theorizes that a person’s responsibilities generally decrease and wealth generally increases over time. 13 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 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.

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FAMILY B

FAMILY ABOTH FAMILIES:

FAMILY OF FOURTwo parentsTwo children

Both parents work$75,000 per year combined household income

Own a home $198,000 Mortgage Balance

• 30-year fixed rate @ 7½% interest rate$8,000 in credit card debt @ 18% interest

Life insurance policies through work$1 million retirement goal

ALL THINGS BEING EQUAL, IT’S ACTIONS THAT MAKE THE DIFFERENCE.

LET’S MEET TWO FAMILIES

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FAMILY B

FAMILY A

ACTION:Pay required monthly mortgage amountMake minimum monthly credit card paymentRESULTS:No emergency fund

• Still carry credit card debt• Take 30 years to pay off• Pay 145 % more than original charges:

$11,615 in interest

Which family is being left behind?

ACTION: Refinance mortgage @ 6% interest rate Pay off credit card debt Begin emergency fund

RESULTS: Home Appraised for $270,000 Use Equity to: Pay Closing Costs $8,000

Eliminate Credit Cards $8,000Establish Emergency Fund $6,000

New Mortgage Amount: $220,000

BOTTOM LINE:Monthly Payment $1,700/mo. (remains the same)Savings $0

BOTTOM LINE:New Payment $1,300/mo.Savings $400/mo. $4,800/yr.

DEBT/MORTGAGE14: MANAGINGYOUR BIGGEST EXPENSE

BOTH FAMILIES:$206,000 Total Debt ($198,000 Mortgage + $8,000 Credit Card)$ 1,700 Total Monthly Debt Payment $1,500 Mortgage (P&I only) $200 Credit Cards (Minimum Payment)

ALL THINGS BEING EQUAL, IT’S ACTIONS THAT MAKE THE DIFFERENCE.

14 Mortgages offered by/through independent companies. WFG is not a mortgage broker or lender.

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FAMILY B

FAMILY A

ACTION: Keep work insurance only.RESULTS: Parent 1 Dies: $80,000 Insurance Death Benefit

Which family is being left behind? Which family would you rather be?

ACTION: Add protection with additional policy for 8x salary. RESULTS: Parent 1 Dies: $80,000 Insurance Death Benefit

$320,000 additional insurance policy

PROTECTION: THE IMPORTANCEOF BEING PREPARED

BOTH FAMILIES:Insurance Through Work: 2 x Salary • Parent 1: $40,000/Parent 2: $35,000 $150,000 Total Protection

ALL THINGS BEING EQUAL, IT’S ACTIONS THAT MAKE THE DIFFERENCE.

$80,000 Total Death BenefitBOTTOM LINE: Only replaces two years’ worth of current salary. Child care dilemma — how is it paid for? Family would likely need to move or

downgrade home because couldn’t afford monthly mortgage payment.

$400,000 Total Death BenefitBOTTOM LINE: Replaces 10 years’ worth of current salary Family could remain in current residence

or pay off their mortgage. Can handle monthly expenses, including

child care.

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INVESTING WISELY

15 Calculations are based on a 25% combined Federal and State marginal tax rate and are for illustrative purposes only. An individual’s combined tax rate may be higher or lower. Lower tax rates may have an impact on the benefits of tax deferral. Some investments may be taxed at a capital gains rate which could be lower than an individual’s income tax rate. Funds received from tax deferred accounts may be fully taxable at ordinary income tax rates upon withdrawal. The rates of return chosen are for illustrative purposes only and do not reflect the actual investment in any product and should not be viewed as an indication of performance for any particular investment and do not reflect the performance risks, expenses or charges associated with an actual investment.

16 Tax/legal advice not offered by or through WFG and its affiliated companies. Please consult with your legal/tax advisor.

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FAMILY B

FAMILY A

ACTION Invest with Accumulation TaxedRESULTS:$775/mo. for 30 years at 10% rate of return

ACTION: Invest with Accumulation Tax Deferred RESULTS:$481/mo. for 30 years at 10% rate of return

BOTH FAMILIES:RETIREMENT GOAL: $1 MILLION

25% tax bracket (combined federal and state)

Which family is being left behind? Which family would you rather be?

BOTTOM LINE:Reached retirement goal but paid 61%

more — Could they have done something else with that money?

BOTTOM LINE:Reached retirement goal but invested

less using tax deferred strategy.16

Have $294 more per month than Family A — Could they do something else with that money?

Total Invested: $279,00015 Total Invested: $173,00015

15THEY TAX ITTHEY TAX ITTHEY TAX ITTHEY TAX IT

TAX ADVANTAGESTAXATION:POTENTIALLY THE MOST POWERFUL CHALLENGE FACING YOUR FINANCIAL FUTURE

WFG helps families by showing them a new approach to their finances: Complete personal financial review. Show families how they could earn more money and gain better rates of return

while providing them with education, insurance and retirement solutions. Bring financial concepts used by the wealthy to everyday people.

You Earn ItYou Spend ItYou Save ItYou Die

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QUESTIONSTO ASK YOURSELF

• Is there a need for what we do?• Is it good for the consumer?• Do you know anyone who could

benefit from this information?• Could you see yourself sharing

this information with others? • If you make as much money

during the next five years as you did during the last five years, would you be satisfied?

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WFG: AN UNCOMMON OPPORTUNITY

• Fear of failure

STARTING YOUR OWN BUSINESS

Why People Don’t How WFG Helps You Get There

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• 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 and its family of companies offer financial services needed by all families and provide a business system for you to follow.

• Get started with WFG for a minimal start-up cost.

• Loss of income stability

• No proven system or product

• Lack of capital

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For the right person, WFG is a great opportunity ...

17 Eligibility/availability governed by governing plan documents.

STRENGTH OF THE WFG OPPORTUNITY

Strength and credibility of AEGON Access to leading product providers Business Format System

— You run the system and the system runs your business Professional Development Center (PDC) & Training Events WFG Headquarters has more than 300 employees

dedicated to helping you build your business at no additional charge. Broad diversification Incentive trips Stock options17

Technology Sales tools

With a unique compensation structure: Income for Today

• Self-employedopportunity

Income for Tomorrow

• Build ongoing revenue stream through:– Renewals & Trails– Overrides

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BUILDING INCOME THROUGH WORLD FINANCIAL GROUP

The following example shows how helping one family results in $2,400 of commission paid to the field.

Policy sale = Equity Index Universal Life (EIUL) insurance.Opportunities to build other income may be achieved by qualifying for additional compensation and by qualifying for bonus pools.Commission amount may vary based on product type and size of purchase. WFG Commission Program subject to change.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 January 1, 2004, WFG Associate contract level of 25%; Marketing Director contract level of 60%; Marketing Director override level of 35%.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.

For this example, the commission amount is based on an average (EIUL) insurance policy sale to a 40-year-old male who is contributing $200 per month to the EIUL.

Per Month $14,400Per Month + $5,280

Monthly Income $19,680Annual Income $236,160

Per Month $5,280Per Year $63,360

Per Month $2,400Per Year $28,800

ASSOCIATE(Helps four families)

MARKETING DIRECTOR(Helps four families)

MARKETING DIRECTOR WITH FIVE-PERSON TEAM(MD and each team member help four families per month)

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• World Financial Group, Inc.• World Financial Group Insurance Agency, Inc.• World Group Securities, Inc.• WFG Property & Casualty Insurance Agency, Inc.• Investment Advisors International, Inc.18

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With the WFG family of companies,you can build a worldwide, world-class business.

BUILD A GLOBALBUSINESS AT WFG

UNITED STATES

CANADA

PUERTO RICOCHINA

• World Financial Group Insurance Agency of Canada Inc.• WFG Securities of Canada Inc.

• WFG Insurance Agency of Puerto Rico, Inc.

• WFG China18

18 Expected launch 2006. Participation subject to qualification guidelines.

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RECOGNITION & REWARD

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All All contests, awards and related promotional criteria, events and designations are offered by or through World Financial Group, Inc. (WFG) and/or World Group Securities, Inc. (WGS). In order to qualify, an individual must be a member in good standing of WFG and WGS, 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.Roush Racing trademarks, Carl Edwards’ and Todd Kluever’s names and/or likenesses used by authority of Roush Racing, Livonia, MI.

The WFG environment allows ordinary people to achieve extraordinary things.

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JOIN OURCHAMPIONSHIP TEAM

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Roush Racing trademarks, Carl Edwards’ and Todd Kluever’s names and/or likenesses used by authority of Roush Racing, Livonia, MI.

World Financial Group and AEGON sponsor sports champions. Become a WFG associate and be part of a winning team.

WFGNASCAR race team

sponsorRoush Racing

AEGONZach Johnson sponsor

PGA Tour player, BellSouth Classic champion, 2004

Zach Johnson’s name and/or likeness used with permission.

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TAKE THE NEXT STEP

Set up a follow-up interview in the next 24 to 48 hours.

A Good Opportunity Only Becomes Great When You Act On It.

World Financial Group —

Helping You Make a World of Difference

World Financial Group, Inc. (WFG ) is a financial services marketing organization whose affiliates

offer life insurance and a broad array of financial products and services.

Securities are offered through World Group Securities, Inc. (WGS), Member NASD/SIPC.

Insurance products are offered through World Financial Group Insurance Agency, Inc. (WFGIA)

WFG, WGS, 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

© 2006 World Financial Group, Inc. Printed in the USA 1464mB/2.06