ValuTeachers Company of Destiny

7/30/2019 ValuTeachers Company of Destiny

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Most people today dream of two things: to be financiallysecure and to have a career or business they love. ese twodreams can be achieved together or independently, yet many

people today find themselves financially overextended andstuck in a job they hate. ValuTeachers provides an opportu-nity to build a Company within a Company and achieve fi-nancial independence!

Todays Financial Crisis

Whether its getting out of debt,

saving for the future, or preparingfor the unexpected, many of todaysfamilies face a serious financial crisis.

eyre living paycheck to paycheck,overloaded with debt and unable tosave.

Whats more, the people that oftenneed the most financial help cant getit. Many average families are simply ig-

nored by the financial services industry.

ValuTeachers is special and I love it;

I love what we do for people. There is

nothing like it in the industry. It has

given me the opportunity to have a

successful second career and travel

around the world.

- Sam Reavis, NSD

Whats Your Dream?


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Savings and Retirement Crisis

In a recent survey, 31% of workers said theydetermined how much they would need forretirement by simply guessing.USA Today, March 30, 2005

48% of people in the work force think theyllstill be working at 65 or older.Money, February 2005

In 2006, Social Security was the largestsource of income for those currently 65 andolder, accounting for 39.8% of their incomeon average. Women received on average47.8% of their income from Social Security

while men received 34% on average.EBRI, December 12, 2007

e personal savings rate in the U.S. hasfallen to a negative percent. at meanspeople are spending more than they earn!Atlanta Journal-Constitution, Nov. 1, 2005

A 65 year old couple retiring today wouldneed to set aside $300,000 to pay healthcarecosts for a 20-year span.EBRI

Savings & Retirement Crisis

Debt in the United States has doubled in the pastten years. USA Today, April 29, 2005

About 103 million Americans carried balances,averaging $9,312, on their credit cards at the endof last year.USA Today, July 29, 2005

Foreclosure filings reported in October 2007 wereup 94% over the same period ending in October2006. e national foreclosure rate for the monthwas one foreclosure filing for every 555 householdsRealtytrac.com, November 29, 2007

More than 1.5 million people sought personalbankruptcy protection in 2004.Kiplingers, July 2005

Debt Crisis

40%spend more than

they earn

90

2%

4%

6%

8%

95 00 0590

$2k

$4k

$6k

$8k

$10k

95 00 05

$2,966

$9,3127%

-1.1%

As Debt Goes Up, Savings Goes Down

Debt:Average

credit card

debt per U.S.household

Savings:Personalsavings as a

percentageof disposable

income

Sources: USA Today, October 8, 2005; USA Today, July 13, 2004;

Atlanta Journal-Constitution, November 1, 2005

Looking for Solutions

People often find themselves in afinancial crisis because the businessworld today provides less security thanit once did. Too many people struggleto climb the corporate ladder, butend up languishing in dead-end jobswith meager pay. ey put in years ata company only to be laid off, down-sized, or outsourced.

Does the dream of being debt free,owning your own business and con-trolling your own destiny seem out ofreach?

It doesnt have to be.

e Boston Globe, January 25, 2005


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Where Dreams Come TrueAt ValuTeachers, we offer the opportunity to make yourdreams come true. You have the opportunity to go intobusiness for yourself, without all the risks of going at it

alone. We offer people the chance to attain those seeminglyimpossible dreams of owning their own business, to takecontrol of their financial destiny.

ValuTeachers Crusade

ValuTeachers helps people make

and save money. While other financialservices companies often ignore aver-age income consumers in favor of highnet-worth clients, ValuTeachers helpsfamilies save for retirement. Our missionis to help middle America retire withfinancial dignity.

With ValuTeachers, by helping oth-ers, you help yourself. Youll learn more

about how money works and haveaccess to unlimited income. In todays

world of layoffs and pay freezes, youcan actually earn what you think youre

worth, and have the opportunity to ownyour own business.

ValuTeachers has changed my life and given mea place where I can stretch my wings and soar to

any height. The view is phenomenal and Ill never

look back to the classroom or boardroom where

I was held back because my drive was intimdat-

ing to my managers. My success has empowered

my children as well. I am no longer just a dreamer

because ValuTeachers has fulfilled many of my

dreams!

- Rosette Barner-Harris, NSD


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WhoisValuTeachers?

Todays Job Outlook Grim

Experts say that average white-collarpay raises 3.5% in 2004 and 3.5%predicted for 2005 are the lowest inalmost three decades.Parade, March 13, 2005

Nearly half of all Americans saytheyre itching to leave their jobs.Some 40% are eager to start newjobs. Some 40% are eager to starttheir own businesses.

Money, February 2005

Department of Labor Jobs Report

shows 2007 that was the weakest yearfor jobs growth in four years.cnn.money.com,January 4, 2008

40%want to start

their own

business

Part of a 157 year LEGACY...LSW (Life Insurance Company of the Southwest) is a Dallas, Texas based national financial services company.

LSW specializes in the design, administration, and marketing of tax-deferred retirement vehicles. One of LSWsspecialties is the 403(b) marketplace.

LSW is a wholly owned subsidiary of National Life Insurance Company, a 157 year-old insurance companybased in Montpelier, Vermont. National Life and all of its subsidiaries are jointly referred to as the National LifeGroup. Together, they have over $19 billion is assets and 728,000 policyholders. Companies of the National Life

Group provide products available under Internal Revenue Code 403(b) to tailor make solutions to the needs of403(b) policyholders.

Since LSW began writing TSAs in 1985, it has consistently been in the forefront of the 403(b) market with in-

novative products, leading edge representative compensation and personal service. LSW is an authorized TSAprovider for over 5,000 school districts, universities and not-for-profit organizations.

Some people think all companies in the Financial Services

sector are alike. However, ValuTeachers is a One of A Kind

Company that makes an extraordinary difference for school

employees across our country. ValuTeachers has over 30 years

of experience and commitment to educating school employees

on the concepts and formulas to build a secure retirement. e

basic principle to a secure retirement is taught to every client:

Pay Yourself First with IRS approved pre-tax plans such as a

403b, 457, 401k, and/or IRA. ese saving opportunities have

been available to educators and non-profit employees for over

50 years, yet only 27% of eligible employees participate in a

retirement savings plan. Our Mission is crucial!

ValuTeachers, a marketing company, recruits, trains, and

builds leaders Nationally to educate the marketplace about

State Retirement Systems, Social Security, emergency savings,

the retirement income gap, and all of the critical components

necessary to secure financial dignity at retirement. ValuTeach-

ers is Making A Difference that is unparalleled in the 403b/457

marketplace.


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A Distribution PowerhouseWith support, ValuTeachers is poised for unprecedentedexpansion. ValuTeachers is creating more new independent busi-ness owners than ever before. Our school market is growing faste

than we would have ever thought possible. However, we needmore people who want achanceto change their Destinyforever!

ValuTeachers has given me the op-

portunity to create financial security

for myself and my family. What a

great feeling...to know that I get up

every morning and am in completecontrol of my own future.

- Chase Christopher, SNSD

Build Financial Independence

Build an income that compoundsand increases yearly by 30 - 50% bymaximizing the ValuTeachers systemof building a large marketing organi-zation. Expect a six figure income inthree years or less with twenty asso-ciates on your team, and $500,000income with 50 associates. However, ifyou are motivated and have the desireto be extraordinary, build a team witha hundred associates and earn a mil-lion dollars a year.


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ValuTeachers specializes in meeting the retirement needs of the non-profit sector, most specifically school em-ployees. Our mission is simple yet profound. ValuTeachers is committed to helping every school employee Retirewith Financial Dignity. Our System and delivery is unique and specialized within the industry. Our service is edu-

cation, education, education. We do believe that knowledge brings power and ValuTeachers has empowered over50,000 school employees to save and accumulate money to fill their income gap at retirement. We are determined toeducate every eligible person. Our Mission Makes a Difference.

A Better Way to Do Business

ValuTeachers is the ideal business opportunity for todays entrepreneurs. If youve ever dreamed of owning

your own business, being your own boss, or a record career, take a closer look at ValuTeachers. Our successsystem allows you the freedom to build a business as YOU choose. Just compare.

UniqueBusiness Model

ValuTeachers provides a builders opportunity that supports growth and development of a marketing orga-nization. ValuTeachers partners with you to recruit, train, and develop as many leaders as possible to explodeyour business, your market and your income.

Leadership Training

e most crucial components to achieving success in American business today are support and a provensystem for success. ValuTeachers provides tremendous leadership, continuous training, and access to success-ful business leaders who will mentor you while you achieve your dreams and goals.

Retirement Income Benefit

Everyone wants financial security that will support retirement, disability, or income to a beneficiary.eValuTeachers system provides leaders the opportunity to build an unlimited recurring income called residualincome. Our concept pays our leaders to deliver quality product and great service year after year to our cli-ents. e rewards for continued service are vested to you and your beneficiary for life. In addition, our EstatePlan for builders is unparalleled in our industry.

No large capital investmentrequired only $100 to getstarted

No inventory to maintain

You can own your ValuTeachersbusiness

Comprehensive training, mar-keting and operations support

Build vested, recurring income

Start your business part-time

No business experience or degreerequired

Earn income while you learn

Huge, untapped market

An opportunity to reach the top

Total flexibility

ValuTeachers Success System


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Build a Dream BusinessValuTeachers offers the ideal business opportunity. You havethe freedom to build a business how you choose, with norestrictions on your earnings potential. Whether you want to

earn a little extra money part-time, or own your own business

The Part-Time Answer

At ValuTeachers, you can keep your full-time jobwhile starting your own business part-time. Maybeyoure looking for some extra income or just want

to see if ValuTeachers is the right opportunity foryou. No matter what your financial goals, a part-timeincome at ValuTeachers can make a big difference toyour family.

Whether your dreams are big or small, ValuTeach-ers can help you make them come true. Take a lookat how starting part-time can help you earn extramoney each month.

A. You are a Part-Time VTC doing 6 Personal apps/month.Your Monthly Personal Business $ 1,080Total Annual Income $12,960

B. You are a Part-Time VTC doing 6 Personal apps/month.You also override 8 Reps writing 32 apps/month.

Your Monthly Personal Business $ 1,080

Your Monthly Override Business $ 960Total Annual Income $24,480

As a result of my relationship with

Valuteachers, I am realizing my

dreams through a six figure income,

trips around the world, and retire-

ment security through residual in-

come. My wife Julie has been able to

retire, assist me in the business, and

accompany me on our travels.

- Ken Love, NSD


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Build a TeamAs you build your ValuTeachers business, you also have the opportunity to build your team and earn overrides.

Take a look at how you can build your business even further as a part-timer.

Transition to Full-Time Regional LeaderAs you continue to build a team and expand your ValuTeachers business, you may decide to quit your regular job

and become a full-time ValuTeachers representative. When you advance to the RMD level, you also have the oppor-

tunity to earn bonuses. See how much you can earn each year as an RMD.

Build a Business and Work Toward the Estate Plan

With ValuTeachers, you have the opportunity to own your own business. As you continue to advance, your op-portunity to grow is unlimited! You can advance other full-time RMDs on your team and earn more bonuses and

overrides as you build an even bigger team. See how much you can earn as you build a business and work toward theEstate Plan.

You are a Full-Time DMD doing 10 Personal apps/month.

You are also overriding 3 Part-Time VTC Teams for a totalof 72 apps/month.


Your Monthly Override Business $ 2,160

Your Monthly Renewals from Part-Time $ 612

Total Monthly Income $ 4,872Total Annual Income $ 58,464

You are a Full-Time RMD doing 5 Personal apps/month.

You are also overriding 3 DMD Teams.



Your Monthly Renewals $ 1,278Total Monthly Income $ 10,908

Total Annual Income $ 130,896

You are an NSD managing your Team.

You are overriding 2 RMD Teams and 3 Direct DMD Teams.


Your Monthly Renewals $ 4,167

Total Monthly Income $ 27,507

Total Annual Income $ 330,084


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Your Success is Our GoalAt ValuTeachers you have a support system of destiny. Yourein business FOR yourself but not BY yourself. Where else canyou find such a large support system devoted to helping YOU

Where Ordinary People DoExtraordinary Things

Whats your dream? Is it to start a

new career? Make some extra money?Try something different? ese peoplestarted with a dream and theyvechanged their lives in the process.ValuTeachers is a place where, withhard work, anyone can make theirdreams come true.

ese people didnt want some-thing for nothing. ey just wanted a

chance. When they discovered Valu-Teachers, they decided to go for it.Today, they are building the kind ofsecurity for their families that theynever dreamed possible. With com-mitment and hard work, so can you.

Since ValuTeachers has become a part of

our lives, we not only have helped our-

selves financially but we have been able

to help numerous friends and former col-

leagues to start down the path to finan-

cial security by providing sound, ethical

retirement education.

- Janice Hancock, DMD &

Bob Hancock, RMD


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Make a DifferenceOur representatives come from all walks of life. eyre coaches and educators, health care workers andentrepreneurs, managers and financial services professionals. But they all have two things in common: tdesire to Make a Difference and a Desire to Dream.Meet some of ValuTeachers SIX FIGURE leaders

Ken Love, NSDFormer occupation:

Plant manager

Sam Reavis, NSDFormer occupation:

State Treasury Department

Chase Christopher, SNSDFormer occupation:

Educator

Etter Lee-Randall, NSDFormer occupation:

Educator

Owen Roberts, NFormer occupatio

Financial analyst

Matt Bradshaw, SNSDFormer occupation:

Educator

Rosette B.-Harris, NFormer occupatioCorporate manag

Ernestine McWherter, NSDFormer occupation:

School superintendent

Gary Johnson, NSDFormer occupation:

Principal

Benjie MacNabb, NSDFormer occupation:

Financial services

Susan Simpson, NFormer occupatio

Educator

Roger Walker, NSDFormer occupation:

Chemical sales

John Monahan, NSDFormer occupation:Educator and coach

teve & Cathy Jahr, NSDFormer occupation:

Educators

Denise Smith, NSDFormer occupation:

PTA advocate


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ValuTeachers Company of Destiny

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