World Financial Group

Founded in 2001, WFG focuses on educating clients and helping them build strategies tailored to their goals, risk tolerance and stage of life.

What we do

WFG, through its affiliated insurance agencies in the U.S. and Canada, connects clients with:

• Life insurance protection for individuals and families
• Retirement planning strategies
• Education and college funding strategies
• Wealth‑building and savings strategies
• Estate preservation strategies (working with clients' tax and legal professionals)
• Financial strategies for small business owners

How we work

• Licensed independent agents – WFG works through licensed insurance agents who build their own independent businesses while serving clients in their communities.
• Education‑focused – agents help clients understand key financial concepts before recommending strategies.
• Personalized approach – strategies are tailored based on each client's goals, time horizon and resources.
• Collaboration with professionals – where appropriate, WFG agents may work alongside a client's tax and legal professionals. WFG and its agents do not provide tax or legal advice.

Relationship with Transamerica

World Financial Group is a Transamerica company. Being part of the Transamerica family provides WFG with access to a long‑standing financial services brand with more than a century of experience.

Scale and reach

• WFG serves clients across the United States and Canada through thousands of independent agents.
• WFG represents a selection of well‑known insurance and financial services providers.
• Providers WFG works with are expected to maintain strong financial strength ratings (typically A or higher from major ratings agencies).

For specific products, services or availability in your area, a licensed WFG agent can provide more detail based on your situation and location.

WFG agents can help you organize your finances and clarify your goals by using tools such as:

• Financial needs analysis
• Financial goal setting
• Strategies designed to help you pursue those goals over time

These services focus on understanding where you are today, where you want to go, and what strategies may help you work toward those objectives.

Insurance solutions

WFG agents can provide access to a range of insurance products, depending on licensing and local regulations. These may include:

• Life insurance
• Disability insurance
• Long‑term care insurance (U.S. only)
• Segregated funds (Canada only)
• Guaranteed interest accounts (Canada only)

Specific product types, features and eligibility are determined by the issuing insurance companies and local regulations.

Retirement strategies

WFG agents can help you think through strategies for retirement, including:

• Annuities
• Registered Retirement Savings Plans (RRSPs) (Canada only)
• Tax‑Free Savings Accounts (TFSAs) (Canada only)

Agents work with you to align proposed strategies with your retirement goals and time horizon.

Education and college funding

WFG agents can discuss strategies and resources to help you prepare for education costs, such as saving for college or other post‑secondary education.

Business owner strategies

For small business owners, WFG agents can help you explore strategies that may support both your personal and business goals, including:

• Insurance strategies for business owners and employees
• Retirement strategies for owners and staff
• Executive compensation strategies (U.S. only)
• Business continuation and succession strategies (U.S. only)

Estate preservation

WFG agents can work with your tax and legal professionals to help you develop strategies intended to:

• Preserve more of what you have built for your beneficiaries
• Address potential tax impacts on your estate, where applicable

Common tools may include:

• Charitable giving strategies and trusts (U.S. only)
• Life insurance‑based strategies (U.S. only)
• Wealth replacement strategies (U.S. only)
• Annuities (Canada only)

Neither World Financial Group Insurance Agency, LLC, its subsidiaries, nor its agents provide tax or legal advice. Clients should consult their own tax and legal professionals for guidance on their specific situations.

Network of providers

WFG offers its strategies through relationships with multiple well‑known insurance and financial services providers. These providers are expected to maintain strong financial strength ratings (generally A or higher from major ratings agencies). Specific providers and products available to you will depend on your location and the licenses and appointments held by your WFG agent.

For details on which products or strategies may be available to you, please speak with a licensed WFG agent in your area.

• A conversation focused on your goals, concerns and priorities
• Education on key financial and insurance concepts
• Strategy ideas tailored to your circumstances
• Ongoing communication as your situation and goals evolve

Role of a WFG agent

WFG agents are licensed independent financial professionals. In working with clients, they may:

• Help you understand options related to life insurance, retirement planning, education planning, estate preservation and other financial strategies
• Conduct a financial needs analysis and goal‑setting discussion
• Propose strategies and products that align with your goals, risk tolerance and time horizon
• Help you review and adjust your strategy over time

Professional standards

• WFG agents hold an active insurance license in each state, province or territory where they do business, as required by law.
• Agents are expected to follow applicable regulatory rules and company standards.
• Many WFG agents can choose from products offered by multiple well‑known financial services providers.

Community focus and diversity

• WFG agents work with individuals and families from a wide range of backgrounds and income levels.
• The field force is diverse, with many agents serving clients in multiple languages.

Support and resources

• WFG agents have access to training, internal resources and product provider support to help them answer client questions.
• If a question requires specialized tax or legal expertise, agents may encourage you to speak with your own professional advisors.

Becoming a client or an agent

• You may work with a WFG agent solely as a client to develop a financial strategy.
• Some clients also choose to explore becoming part‑time or full‑time agents themselves. If that opportunity is mentioned and you are not interested, you can let the agent know you prefer to remain a client only.

Individual client experiences may vary. For specific questions about how a WFG agent would work with you, please speak directly with a licensed WFG agent in your area.

Key aspects of the opportunity

• Independent business model – WFG agents build and own their independent businesses while representing products from affiliated providers.
• Part‑time or full‑time – many agents start part‑time and may transition to full‑time as their business grows, depending on their goals and results.
• Training and support – WFG provides training, resources and support to help new agents learn about financial concepts, products and business building.
• Growth potential – agents can work to expand their client base and, where allowed by regulation, build teams of other agents.

What WFG agents do

Independent agents affiliated with WFG typically:

• Help clients understand financial concepts and insurance options
• Develop strategies around life insurance, retirement, education planning and other needs
• Build long‑term client relationships in their communities

Licensing and regulation

• To offer insurance and related financial products, WFG agents must obtain and maintain the required licenses in each jurisdiction where they do business.
• Licensing requirements and permitted activities vary by country, state and province.

Disclaimers about results

• Individual business results with WFG vary widely and depend on many factors, including personal effort, time commitment, market conditions and local regulations.
• Past results achieved by other agents do not guarantee any particular outcome for a new agent.

If you are interested in exploring the WFG business opportunity, a current WFG agent can explain the licensing process, training approach and general expectations in more detail.

WFG agents can help business owners explore retirement strategies for themselves and their employees, such as:

• Group pension or retirement savings plans (where available)
• Other retirement savings arrangements offered by provider companies

Specific plan types and eligibility are determined by the provider and local laws.

Insurance strategies (Canada only)

For Canadian business owners, certain corporate insurance strategies may be available through WFG's relationships with providers, such as:

• Group insurance benefit plans for employees (not available from WFGIAC in Quebec)

Executive compensation strategies (U.S. only)

In the United States, some business owners may wish to explore life‑insurance‑funded executive compensation strategies, such as:

• Deferred compensation arrangements
• Executive bonus strategies
• Split‑dollar life insurance arrangements
• Key person life insurance

These strategies are subject to tax, legal and regulatory rules. Business owners should consult their own tax and legal professionals before implementing any executive compensation strategy.

Business continuation and succession (U.S. only)

Life insurance can play a role in certain business continuation and succession strategies, such as:

• Funding buy‑sell arrangements
• Supporting broader business continuation plans

Working with professionals

WFG agents can coordinate with your tax, legal and other professional advisors to help align insurance and financial strategies with your overall business and estate plans.

Neither World Financial Group Insurance Agency, LLC, its subsidiaries, nor its agents provide tax or legal advice. Business owners should consult their own qualified advisors for guidance on their specific situations.

Ask anyway — the agent will say plainly that it is not published rather than guess.