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Gary Winter

The WFG Difference

A Financial Services Business that Rewards You for Helping Others

Typical Insurance Model versus WFG Model

As agents grow and develop skills and a client base, they want their career path to grow, as well.

Typical Insurance Agency Model
  • As someone who operates a typical insurance agency, often referred to as a General Agent (GA), you spend much of your time recruiting and developing sales professionals. You are vested in teaching and training your agents to be good sales people.
  • Your income depends not only on your sales but also on the sales made by your agents, and so you can continue to receive that income you have to either limit your agents’ ambitions or, instead, pay them a higher contract that cuts into your own commissions.
  • This means that your “Sales Super Stars” can only grow their careers by either renegotiating their contracts to a higher payout (resulting in less income to you) OR leaving to start their own agency - and become the competition
  • When an agent leaves, you can no longer earn residual income or overrides from the agent, and you can lose clients since most financial services sales are relationship-based many clients will follow their original agent(s).
  • In most cases,  the only way an agency can succeed long-term is for the leader to develop and maintain a team by managing restrictive career growth. You are vested in their limited success.
The WFG Business Model
  • As a WFG Senior Marketing Director (similar to a GA), you recruit and grow associates in a strong base shop and earn overrides on their sales.
  • These strong leaders build more strong leaders to become SMDs and create their own base shops. And here is part of the WFG difference: Even though associates are promoted to the same contract level as you, you continue to receive income on their business through overrides because you helped them develop their businesses.
  • There is no limit to the number of base shops you can help develop.
  • As your team grows you continue to receive overrides, while they go on to achieve success – the same or more than yours – in the financial services industry.
  • You, as their leader, are completely vested in their nearly limitless success .
Build a Family Legacy

WFG supports and encourages its associates to consider including their family in their businesses and, in fact, the WFG business platform helps to facilitate their involvement. We believe there can only be exponential returns when a family works together to achieve common goals. Some of the rewards of having a family-run WFG business can include:

More quality time together
  • Greater efficiencies by leveraging each family member’s unique talents and skills
  • A positive work environment in which individuals grow and prosper with the support of their family
  • Accelerated achievement of goals
  • A legacy that can be passed through generations

Your WFG business can help you secure your family’s future. As you grow your WFG business, you are creating a lasting legacy that, through WFG’s business ownership program, can be passed on and take care of your family for years to come.*^

Combining business and family enriches the lives of many WFG associates. Talk to your family and see if this business structure can work for you.

*Participation in the program requires associates to be in good standing with World Financial Group.
^The program is subject to change at any time.


Securities and Investment Advisory Services offered through Transamerica Financial Advisors, Inc. (TFA), Transamerica Financial Group Division - Member FINRA, SIPC, and Registered Investment Advisor. Non-Securities products and services are not offered through TFA. World Financial Group, Inc. (WFG) is a financial services marketing company whose affiliates offer a broad array of financial products and services. Insurance products offered through World Financial Group Insurance Agency, Inc.(WFGIA), World Financial Group Insurance Agency of Hawaii, Inc., World Financial Group Insurance Agency of Massachusetts, Inc., World Financial Group Insurance Agency of Wyoming, Inc., World Financial Insurance Agency, Inc. and/or WFG Insurance Agency of Puerto Rico, Inc. WFG, WFGIA and TFA are affiliated companies.

This site is published for residents of the United States only. Transamerica Financial Advisors, Inc., Transamerica Financial Group Division representatives may only conduct business with residents of the states for which they are properly registered. Therefore, a response to a request may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site.

A broker/dealer, investment advisor, BD agent or IA rep may only transact business in a particular state after licensure or satisfying qualifications requirements of that state, or only if they are excluded or exempted from the states broker/dealer, investment advisor, or BD agent or IA rep requirements, as the case may be; and follow-up, individualized responses to consumers in a particular state by broker/dealer, investment advisor, BD agent or IA rep that involve either the effecting or attempting to effect transactions in securities or the rendering of personalized investment advice for compensation, as the case may be, shall not be made without first complying with the states broker/dealer, investment advisor, BD agent or IA rep requirements, or pursuant to an applicable state exemption or exclusion.

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