Profit Sharing

Disclaimer:

This profit sharing program is unqualified, voluntary, and the Company reserves the right to change or discontinue the profit sharing program at anytime.  It is not a pension plan of any kind or character.  It is an incentive bonus pool.  No advisor shall have any vested interest in the program.  You must be an advisor in good standing as of December 31st of each year in order to be eligible to receive a share of the profit sharing pool.  Any advisor who requests a written release or transfers any contract from the Company will immediately forfeit all profit sharing units.  If an advisor has a drop in production of greater than 50% from one year to the next, they will be excluded from the profit sharing program. The Company reserves the final right to remove any advisor from the program at any time and for any reason.  The profit share is based on the stated profits by the Company and no profit sharing recipient or any other person may have the right to review or audit the Company's books for any reason arising out of or related to this profit sharing program or any other program.

Annexus premium will not qualify for Profit Sharing