2010 Agent Point Awards


	The Agent Point Awards program is designed to show our appreciation to agents doing business with Financial Markets, Inc. Our staff is personal, professional and willing to help you excel. We look forward to working with you for another successful year!

Qualification Guidelines	Point System
12 Paid policies* Average one paid case a month! 80% Placement ratio* Sufficient points for the incentives*	$1 of Paid life premium = 1 point* $3 of Paid health/DI premium = 1 point* $10 of Paid annuity premium = 1 point* Points per product may vary. Example: If you place annuity case with $100,000 premium, you will earn 10,000 points!
Available Products	Need a Quote?
Life Insurance: Term, Universal and Whole Life Annuities: Fixed, Immediate and Index Second-to-Die: Term, Universal and Whole Life Final Expense Simplified and Guarantee Issue Health: Critical Illness and Medicare Supplement Long Term Care Life Settlements Disability Income	Run Term Life Quotes on-line under Quotes Contact your Marketer via phone, fax or email Download the FREE Quick Quoter, which includes term rate comparisons from our top carriers Download FREE proposal software under Tool Kit

	*500*,000 Points All New 2010 CAMARO

Maximum Value $25,000 including taxes, destination and registration fees. Base Model MSRP $22,680. Chevrolet has announced limited quantity production of the 2010 Chevrolet Camaro. If dealer stock is not available, a cash equivalent will be presented in lieu of the 2010 Chevrolet Camaro. Chevrolet, the Chevrolet Logo, Camaro, and any GM vehicle names and or logos are registered trademarks of the General Motors Corporation. .

		65,000 Points 5-Day, 4-Night Cruise*
Enjoy a 5-day journey which will take you to white sandy beaches and sightseeing attractions. Take pleasure in paradise with perfect beaches, scuba dive in crystal-clear waters and enjoy wonderful shopping aboard the ship and during the shore excursions. Fun, relaxation and memories are all included in this cruise! Travel accommodations will be provided for you and your guest by Financial Markets, Inc. Due to cruise line scheduling and availability, dates and itinerary to be announced at the end of the qualification period.

		100,000 Points Stay and Play for 7 Days in a Beautiful All Inclusive Resort*
Experience the royalties in life for 7 days at a spectacular all-inclusive resort. The breathtaking views, spectacular shopping and pampering personalities are sure to leave a lasting impression. Let us spoil you with a perfect combination of beauty and relaxation! Travel accommodations will be provided for you and your guest by Financial Markets, Inc. Resort location and dates to be announced at the end of the qualification period.

* These incentives are for agent use only.
Actual item brand and model will be determined at the end of the qualification period, based upon availability and subject to change without notice.
Trip dates and locations will be determined at the end of the qualification period, based upon availability and subject to change without notice.
Points vary by product. Qualification period runs from 1/01/10 through 1/15/11.
In cooperation with a third party, Financial Markets, Inc. is unable to make any modifications to the incentive guidelines.
Please review complete terms and guidelines listed below for Agent Point Award rules.

Qualification Guidelines

Minimum of 12 paid policies.
Agent must have at least an 80% placement ratio.
(The number placed in-force divided by number of applications written.)
Qualification Period: January 1, 2010 through January 15, 2011.

Terms and Conditions

By invitation or recommendation from Financial Markets, Inc. only.
Points may vary by product.
Business that will be credited includes business placed and paid at Financial Markets, Inc. during the qualification period. Certain plans may not be eligible.
All points are credited to the first agent listed on the application. No splitting of points will be allowed.
Business written on the agent or family members will not be eligible.
The points can be a combination of Life, Annuity and Health premiums. Please see the points applicable to each individual policy for calculation.
All policies must be issued, effective and paid no later than January 15, 2011.
General Agents may not qualify unless pre-arranged in writing prior to contest.
Agent may qualify for only one of each incentive items.
Agent must be in good standing with Financial Markets, Inc. at time of redemption (i.e. must be currently contracted with companies from which Qualification Points are derived and actively producing business. No outstanding debit balance allowed).
Business must be issued and placed. Cancelled and lapsed business will not be considered for Qualification Points.
Contest credit dependent upon federal and state regulations.
Excess premium (premium beyond target) on Universal Life business or other similar contracts will not receive any Qualification Points.
Policy conversions will not be eligible for Qualification Points.
Payroll deduction business Qualification Points will be determined on a case-by-case basis.
Qualification Points will not be credited for subsequent annuity premiums.
Qualification Points are not redeemable for cash or other remuneration.
Qualification Points cannot be transferred.
This is a voluntary program; additional restrictions may apply. A 1099 will be issued to all qualifiers for the fair market value of the items.
Points will be redeemed at one time at the end of the qualification period, which is January 15, 2011.
All requirements subject to change without notice.
Financial Markets, Inc. reserves the right to modify any qualification requirement at their discretion without notice.
All incentives are ordered by a third party and therefore no changes can be made.
NO EXCEPTIONS TO CONTEST QUALIFICATIONS AND GUIDELINES CAN BE CONSIDERED.

FOR THE VACATION PACKAGES:
This is a voluntary function and is a group convention; consequently, travel restrictions may apply. A 1099 will be issued to all convention attendees for the fair market value of the trip.
Agent and one guest may attend; guest may not be another licensed agent unless a spouse.
Travel arrangements will be scheduled from the nearest major airport as determined by the travel coordinator of Financial Markets, Inc.
By qualifying for a vacation package, airfare for the Agent and their guest is paid for by Financial Markets, Inc.

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View updates on What’s New Run term quotes Download proposal software Check pending case status Learn the correct questions to ask on medical impairments Get on-line annuity training Complete Anti-Money Laundering courses View an industry-wide field underwriting guide Purchase discounted E&O coverage And much, much more!	Print applications, forms and contracts View the Producer of the Month Request quotes on variety of permanent products View product and company details Learn the correct questions to ask on medical impairments Get complete Agent Point Award terms and conditions Purchase on-line Continuing Education credits Locate an exam office Access state insurance departments Check it out today!
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Financial Markets, Inc. PO Box 3980 Rapid City, SD 57709 800-888-2829 Fax: 605-342-5119 www.fm-inc.com Marketing@fm-inc.com


25,000 Points GPS Navigation System*	25,000 Points Flip Video Camcorder*	30,000 Points Multi-Function Printer/Scanner Copier/Fax*

30,000 Points Nintendo Wii Game Console*	35,000 Points Desktop Computer with a Flat Panel Monitor*	40,000 Points Laptop Computer*