2011 Agent Point Awards

2011 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!

	*500*,000 Points All New 2011 Ford Mustang

Maximum Value $25,000 including taxes, destination and registration fees. Base Model MSRP $22,145. If dealer stock is not available, a cash equivalent will be presented in lieu of the 2011 Ford Mustang. Ford, the Ford Logo, the Mustang emblem, Mustang, and any Ford vehicle names and / or logos are registered trademarks of the Ford Motor Company.

5-Day, 4-Night Cruise*
65,000 Points

Sail the seas with Financial Markets, Inc. You will have an unforgettable experience on this 5-day, 4-night adventure. Enjoy dancing, beautiful destinations, exciting entertainment and more! 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.

Stay and Play for 7 Days in a Beautiful All-Inclusive Resort*
100,000 Points

Experience the best in life for 7 days at a luxurious all-inclusive resort. Enjoy white, sandy beaches, outstanding sightseeing attractions and exciting activities. This retreat offers the perfect combination of beauty, elegance 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.

Other Incentive Prizes

2 5 0 0 0	Kindle Portable e-Book Reader*	2 5 0 0 0	Blu-Ray Player*	3 0 0 0 0	Multi-Function Printer/Scanner Copier/Fax*
	Points		Points		Points
3 0 0 0 0	Nintendo Wii Game Console*	3 5 0 0 0	Desktop Computer with a Flat Panel Monitor*	4 0 0 0 0	Laptop Computer*
	Points		Points		Points

Qualify for great incentives with these competitive products!
*Life Insurance:*	Term, Universal, Indexed Universal and Whole Life
*Second-to-Die:*	Term, Universal and Indexed Universal Life
*Final Expense:*	Simplified and Guarantee Issue
*Annuities:*	Fixed, Fixed Index and Immediate
*Health:*	Medicare Supplement and Critical Illness
*Long Term Care*
*Disability Income*


Point Value System
$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!

Qualification Requirements
12 Paid policies* Average one paid case a month! 80% Placement ratio* Sufficient points for the incentives*

* 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 1/16/11 through 1/15/12.
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.
Click here to view a printable copy of the 2011 Agent Point Awards

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 16, 2011 through January 15, 2012.

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, 2012.
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, 2012.
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.

View the current point schedule by product.

Click here to view/print the 2011 Agent Point Awards

Click here to view/print all the incentives offered through Financial Markets, Inc.

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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