uni Policy

Membership, Licensing and Appointment

It is the policy of UNI Worldwide Financial Marketing as well as a regulatory requirement, that all individuals. who represent the company in a sales capacity be licensed and contracted directly with UNI and the product provider companies. Therefore, to sell insurance products through UNI, every associate must have the following:

1. membership with UNI Worldwide Financial Marketing

2. Current insurance licensing

A current insurance license for the state the product is being sold in and for the line(s) of insurance being sold.

3. An appointment with the Provider

An appointment with the provider company whose lines of insurance products an associate intends to sell.

Note: Credit and criminal background checks are routinely done as part of the appointment process. An associate should expect inquiries to be made and should respond to them as quickly as possible. This is important due to the validity deadline for state forms.

Licensing and/or Appointment Papers should NOT be submitted on the following:

  1. Anyone who has ever been convicted of a felony.
  2. Anyone who has ever had their insurance or securities license suspended or revoked.
  3. Anyone who has committed a misdemeanor involving mishandling of money.
  4. Anyone who has an outstanding debit balance with another insurance company.
  5. Anyone under the age of 18.
  6. Anyone currently on probation except in the case of driving while intoxicated.

UNI Policy Against Discrimination

UNI prohibits any and all forms of discrimination in recruitment practices. All candidates for appointment as Associates of UNI must be selected without regard to race, religion, creed, age, sex, or national origin. Failure by any contracted representative of the company to adhere to this policy in recruitment activity will result in immediate termination of that individual’s relationship with UNI Worldwide Financial Marketing.

  • RULE 1
  • RULE 2
  • RULE 3
  • RULE 4

UNI Worldwide Financial Marketing

Associate Agreement Rule No. 1
Amended September 1, 2009

SUBJECT: Insurance Commissions

I. Sales Position Designations Covered by this Agreement Rule. This Associate Agreement Rule (“Rule”) is issued
pursuant to Section II.I of the Associate Membership Agreement (“AMA”) and applies to all associates of UNI Worldwide Financial Marketing(UNI), including those who hold the Marketing Director sales position and higher level sales position designations.

II. Purpose. This Rule clarifies, expounds on and further defines the commission payment policies that are addressed in the
AMA and that have become effective in previous publications to the field.

III. Commissions. Associates are compensated for sales of the Products and Services. Such compensation takes the form of
a commission. The commission rate for each one of the Products and Services varies and the rates are published from time to time
by UNI. UNI is obligated to pay commissions to the associate only to the extent that UNI receives commissions from the
Product Provider and the payment of commissions is allowed by law.

IV. Insurance Commissions.

A. The Difference Between Earned Commissions and Advance Commissions.
Upon the submission of an application for an
insurance policy, no commission is earned. Money may be advanced as a loan to an associate upon the submission of an
application for an insurance policy (“Advance Commissions”) even though the full premium has not been paid by the applicant
and the policy has not been issued by a Product Provider. The Company, in its sole discretion, may limit or discontinue advances
without notice.

Only after the Product Provider accepts an application, receives premiums, and issues an insurance policy can a commission
begin to become earned (“Earned Commissions”). Once a policy is in force, Advance Commissions begin to become earned as
premiums are paid to the Product Provider by the customer and the policy remains in force. Commissions paid on policies which
do not advance are earned when received (“as earned basis”). If, for any reason, an application for an insurance policy is
rejected, then no commission is earned by the associate. Furthermore, if an issued policy lapses, is canceled or is rescinded
within a specified period of time, then the amount of any Earned Commissions on that policy may be affected.

The total of all unearned Advance Commissions on policies currently in force at any point in time is known as an associate’s
“Advance Balance”. The amount of the Advance Balance, the Chargeback Balance, and other amounts owed by an Associate,
directly or indirectly to UNI or its Affiliate, which has not been recovered from Earned Commissions provided for in Section
All commissions paid to associates, whether considered Advance Commissions or Earned Commissions, net of commission
chargebacks, Roll Ups, reversals or other charges, are reported as required to the IRS on a cash basis for tax reporting purposes.

B. Commission Rate.
The commission rate to which an associate shall be entitled is the rate published by UNI. UNI may,
from time to time, in the exercise of their sole discretion, and without notice, increase or decrease the rates and amounts of
commissions; provided, however, that any such changes will be applicable on a prospective basis to any new business and any
commissions earned thereafter on new contributions to existing business. Similarly, UNI will not be responsible for clerical errors
of commission rates in published commission tables.

C. Repayment of Advance Commissions.
Advance Commissions with respect to an insurance policy will generally be repaid
from the associate’s Earned Commissions derived from that policy. Thus, as Earned Commissions are generated with respect to
an insurance contract, UNI will apply them against the Advance Balance on that policy. In the event an Advance Balance is not
repaid from Earned Commissions generated with respect to the same insurance policy, then the amount not repaid becomes a
chargeback. A chargeback may occur for a number of reasons. For example, an insurance contract application which is submitted
but does not result in a contract being issued will result in a chargeback because no Earned Commissions will be generated with
respect to the submitted contract to repay the Advance Commissions. Other reasons include, but are not limited to (i) policies that
are canceled or lapse or are reversed, (ii) policy premiums which are misappropriated, or (iii) policies that do not recover in a
reasonable length of time. The total of the chargeback is known as the “Chargeback Balance” and is part of the associate’s
Debit Balance and may be recovered from an associate in any of the following ways: First, by applying any Earned Commissions
otherwise payable to the associate. Second, by applying any Advance Commissions payable to the associate. Third, by applying
all amounts payable to the associate by UNI, any UNI Affiliate or any of the Product Providers. Fourth, by exercising any other legal
rights and remedies available to UNI. Upon termination of an associate’s AMA, the associate must immediately repay to UNI
all of his/her Debit Balance. In the event an associate violates any of the Covenants in his/her AMA, the associate must immediately
repay to UNI all of his/her Debit Balance.

D. Repayment of an Associate’s Debt.
Included in the associate’s Debit Balance are additional items the associate is obligated
to pay, such as errors & omissions insurance, insurance fees, licensing fees, etc. In addition, the cost, including the uninsured
(deductible) portion of defending and/or settling actions against UNI, and other UNI Affiliates (including complaints,
claims, lawsuits, arbitrations and regulatory actions) incurred by UNI, and other UNI Affiliates arising from acts or
omissions of an associate, will become part of such associate’s Debit Balance.
Up to 100% of available Advance Commissions, Earned Commissions, renewals and trails may be used to recover an associate’s
Debit Balance. Once an associate’s Debit Balance has been completely recovered, the associate will receive all remaining
commissions.

E. Interest.
Interest will be charged on the associate’s Debit Balance at the end of each month and will be added to the Debit
Balance. UNI may allow an associate to repay his or her Debit Balance in installments based on the amount of the associate’s
debt and the associate’s potential ability to repay the debt. The installment period, interest charged and basis for repayment may
be changed at any time at UNI’s discretion.

F. Further Assurances.
In the event UNI determines that the total amount of an associate’s Advance Commissions is
excessive, then UNI may require such associate to immediately repay his or her Advance Commissions within five (5) days from
being sent notice by UNI requiring such repayment. Examples of excessive commissions may include, but are not limited to,
clerical errors, errors made in payment of commissions, and errors made in publishing of commission rates. Advance
Commissions paid on any one case shall be subject to a maximum amount as determined by the company from time to time.
Thus, five (5) days after UNI mails such notice that an associate’s Advance Commissions are excessive, repayment is due.
UNI’s determination that the amount of an associate’s Advance Commissions is excessive shall be final and conclusive.
V. Debts Other Than Advance Commissions.

A. In General.
UNI or a UNI Affiliate is entitled to satisfy any amount an associate owes UNI or a related party in the following
ways: first, by applying any commissions payable to the Associate by UNI, a UNI Affiliates or a Product Provider; and second,
by enforcing any other legal rights and remedies available.

B. Grant of Security Interest.
Each associate grants a continuing security interest to UNI, to each UNI Affiliate and to each
entity to whom Debit Balances may have been assigned or otherwise transferred, and assigns to UNI, to each UNI Affiliate,
and to each entity to whom Debit Balances may have been assigned or otherwise transferred, all commissions (including
Advance Commissions) payable by UNI, a UNI Affiliate or the Product Providers to the extent necessary to satisfy the
associate’s debts and obligations to UNI, UNI Affiliates, and to such other entities. Such assignment and grant of security
interest are given in order to secure payment of each associate’s debts and obligations to UNI, UNI Affiliates, and to any entity
to whom Debit Balances may have been assigned or otherwise transferred. Such debts and obligations include an associate’s
Debit Balance and the associate’s indemnification obligation.

C. Effect of Illegal or Prohibited Conduct.
Notwithstanding any provision of this Rule to the contrary, if an associate breaches
any of the restrictive covenants he/she has entered into with UNI or its Affiliate, then the associate cannot earn, and will not
be credited with, further commissions. If an allegation is made about an associate that concerns such associate’s contract(s) with
UNI or its Affiliate, then UNI or a UNI Affiliate may withhold commissions otherwise payable to the associate until the
allegation has been investigated and the associate entitlement to the commission is determined by UNI or the UNI Affiliate.
Further, in order to receive commissions from UNI, the associate must have the legal right to receive such commissions

UNI Worldwide Financial Marketing

Associate Agreement Rule No. 2
Amended September 1, 2009

SUBJECT: Hierarchy Transfer Rules

I. Sales Position Designations Covered by this Agreement Rule.

This Associate Agreement Rule (“Rule”) is issued pursuant to
Section II.I of the Associate Membership Agreement (“AMA”) and applies to all associates of UNI Worldwide Financial Marketing (UNI)
including those who hold the Marketing Director and higher level sales position designations.

II. Purpose.

This Rule clarifies, expounds on and further defines the commission payment policies that are addressed in the AMA
and that have become effective in previous publications to the field.

III. Transfers.

Under normal circumstances, UNI does not allow transfers from one hierarchy to another. Marketing Directors or above,
are encouraged to resolve situations among the individuals involved rather than upset the hierarchical structure that
is already in place. However, from time to time, there may be situations in which a transfer appears to be the preferred solution. In
these cases, the following guidelines will apply:

A. Associate Only Transfers
1. If the individual requesting the transfer is an Associate , or a Senior
Associate , the immediate upline releasing Marketing Director must authorize the
release of the associate from his/her hierarchy by signing Form . The immediate upline accepting Marketing Director must sign Form
acknowledging acceptance of the associate into his/her
hierarchy with the understanding that any outstanding Debit Balances of the transferring associate will be
transferred into the hierarchy. Signatures of the releasing and accepting CEO s are also required.

2. If there is dissent among the individuals involved in the requested transfer regarding whether the transfer should
occur, the dispute will be resolved by the appropriate CEO.

3. The downline hierarchy of the transferring associate will not be transferred.

B. Associate & Downline Hierarchy Transfers

1. If the individual requesting the transfer is an Associate , or a Senior
Associate, all uplines up to and including the immediate upline releasing Marketing Director must authorize the release of the associate
from his/her hierarchy by signing Form. The immediate upline accepting Marketing Director must sign Form acknowledging
acceptance of the associate into his or her hierarchy with the understanding that any outstanding debit balances of
the transferring associate(s) will be transferred into the hierarchy. Completed Form should be sent to the UNI Coding Department.

2. If there is dissent among the individuals involved in the requested transfer regarding whether the transfer should
occur, the dispute will be resolved by the appropriate CEO.

3. The entire downline hierarchy of the transferring agent will be transferred.

C. Senior Level Transfers
In order to protect the integrity of the hierarchy, UNI Worldwide Financial Marketing will not process Marketing Director or
above transfers.

1. If a CEO feels strongly that the hierarchy would benefit from the transfer of a Marketing Director or above,
they may present the case in writing to UNI Agency Relations. UNI Agency Relations will then present the case to the UNI Agency
Committee for review.
D. Six Month / Nine Month Transfers. An alternative to the release and acceptance method of transfer may be used if
the individual requesting the transfer has been inactive for a certain period of time prior to the requested transfer.
1. If the individual requesting the transfer is an Associate, or a Senior
Associate, he or she must not have produced any personal business of any kind, received any
overrides, recruited any associates, attended any UNI or any UNI Affiliated Company meetings or functions, or
been promoted during the six month period preceding the request to transfer to another hierarchy. The individual
must also not have submitted any paperwork for company appointments or licensing and/or approvals with any
UNI Affiliated Companies or State Agencies. If the individual requesting the transfer is a Marketing Director or higher, he or she must
not have produced any personal business of any kind, received any overrides,
recruited any associates, attended any UNI or any UNI Affiliated Company meetings or functions, or been
promoted during a nine month period preceding the request to transfer to another hierarchy. The individual must
also not have submitted any paperwork for company appointments or licensing and/or approvals with any UNI
Affiliated Companies or State Agencies.

2. The inactivity period begins on the date which the Inactivity Declaration Form is received by the UNI Coding
Department. This form is required for all associates who intend to transfer from his/her current upline based on the
guidelines of the Inactivity Transfer (Six-Month Transfer).

3. Only the associate requesting the transfer will be transferred. The associate’s downline from the previous
hierarchy will not be allowed to transfer to the new hierarchy or to another associate in the new hierarchy for a
period of six (6) months. In the event UNI determines that the transfer violates the spirit of the six month transfer
rule, UNI reserves the right to prevent or rescind the transfer. Such violation of the six month transfer rule may
include, but is not limited to, submitting business through another hierarchy or though another associate or a family member.
4. If the individual requesting the transfer has a Debit Balance, it will be transferred to the new hierarchy. The
accepting upline’s signature indicates agreement to accept the Debit Balance. UNI will review the requested
transfer, and, if the request qualifies, will process the coding changes.

IV. Rights UNI.

UNI expressly reserves the right to have final approval of any transfers, and maintains the right to prevent or
rescind the transfers. In addition, if UNI determines that a transfer is necessary, in its sole discretion, UNI reserves the right to

UNI Worldwide Financial Marketing

Associate Agreement Rule No. 3
Amended September 1, 2009

SUBJECT:
1) Recruiting Of UNI Associates To Non-UNI Business Ventures

2) Involvement In Other Multi-Level Hierarchical Sales Organizations

I. Sales Position Designations Covered by this Agreement Rule.
This Associate Agreement Rule (“Rule”) is issued pursuant to
Section II.I of the Associate Membership Agreement (“AMA”) and applies to all associates of UNI Worldwide Financial Marketing (“UNI”), including those who hold the Marketing Director sales position or higher level sales position designations.

II. Purpose.
This Rule addresses recruiting by UNI associates to non-UNI business ventures and involvement of UNI associates
in other multi-level businesses. UNI expends significant resources to build its network of independent sales contractors
(“UNI Worldwide Financial Marketing “), which is its most valuable asset. Preservation of this sales force is essential to the continuing
success of UNI and all UNI associates. Attempts by UNI associates to recruit, directly or indirectly, in other multi-level hierarchical sales
organizations, dilute and undermine the integrity of UNI Worldwide Financial Marketing , resulting in significant harm to UNI and all UNI
associates. When used in this Rule, the term “indirectly” shall mean through one or more natural persons (including family
members) or one or more nominees, powers of attorney, proxies, corporations, associations, partnerships, trusts, other entities or
devices, or any combination thereof.

III. Prohibition of Recruiting UNI Associates to Non-UNI Business Ventures.
No UNI associate shall, at any time during the
term of his/her AMA, directly or indirectly, recruit, attempt to recruit, induce or attempt to induce, any UNI associate to become a
member or join, to enter into a contractual agreement or otherwise become affiliated with directly or indirectly, or to sell or to
solicit any products or services for any business venture, person, company, or entity of any kind.

IV. Involvement in Other Multi-Level Hierarchical Sales Organizations.
Effective September 1, 2009, any UNI associate who is
directly or indirectly a member of, a participant in, or has any contractual affiliation or other business relationship with, whether as
an employee, agent, representative, or otherwise, any hierarchical sales organization which compensates, in whole or part, its
sales agents, contractors, or representatives in the form of multi-level and/or multi-generational sales commissions based on
sales of persons recruited to such organization will be considered a “Non-Dedicated” member of UNI in accordance with I.B of
the AMA, regardless of the type of products or services offered for sale by such hierarchical sales organization. In order for an
associate to be considered a “Dedicated” member of UNI, he or she must not directly or indirectly, market any products or
services other than those marketed by UNI.

V. Consequences of Violation.
Any violation of Section III of this Rule shall constitute a “for cause” basis for termination of a UNI
associate under Section T of the Associate Membership Agreement – Glossary and Explanation of Terms and will result in
divestiture of commissions in accordance with Section G thereof. Any violation of Section IV of this Rule will result in a
classification of the Associate as a Non-Dedicated member of UNI. Such classification will render the associate ineligible for any
current or future senior executive sales position designation, including, but not limited to, “Senior Marketing Director”, “Executive
Marketing Director”, and “CEO” and will result in a loss of the benefits associated with such designations.

UNI Worldwide Financial Marketing

Associate Agreement Rule No. 4
Amended September 1, 2009

SUBJECT:
1) Anti-Stacking Policy

2) Hierarchy Policy for Married Couples

I. Sales Position Designations Covered by this Agreement Rule.
This Associate Agreement Rule (“Rule”) is issued pursuant to
Section II.I. of your Associate Membership Agreement (“AMA”) and applies to all associates of UNI Worldwide Financial Marketing (“UNI”) including those who hold the Marketing Director sales position and higher level sales position designations.

II. Purpose.
The purpose of this Rule is to preserve the integrity of the hierarchy structure and assure that business is properly
submitted by associates in accordance with applicable laws, rules and regulations, as well as UNI agreements, rules and guidelines.

III. Anti-Stacking Policy.
“Stacking” occurs when business written by one associate is submitted through the code number of
another associate rather than through the code number of the associate who actually wrote the business. Associates may not
stack business under any circumstances. An associate may only submit business that is written by that associate. It is a violation
of state and federal regulations and UNI company policy to submit any business through an individual who was not actually
present during the taking of the application.

IV. Violation of Anti-Stacking Policy.
If UNI becomes aware of an allegation of stacking business, an investigation will be
conducted. If it is determined that associates stacked business, they will be subject to disciplinary action including, but not limited
to, reassignment to other hierarchies, or termination for cause from UNI. Determination of whether an associate has violated the
anti-stacking policy and its appropriate disciplinary action, if any, will be made by UNI in its sole discretion.

V. Hierarchy Policy for Married Couples.
Married couples who are members of UNI Worldwide Financial Marketing must be in the same
hierarchy. Married couples may position themselves within UNI’s hierarchy structure in one of two ways:
A. Direct. A spouse may be positioned in a hierarchy direct to his or her spouse, provided the lowest ranking spouse
remains at or below Senior Associate. The higher ranking spouse may attain any sales level designation he or
she earns within UNI’s promotion guidelines, and will be allowed to override his or her spouse’s business.
B. Side by Side. If both spouses desire to become a Marketing Director or above, and qualify for such positions,
both of them must be positioned directly to the same upline Senior Marketing Director with neither spouse
direct to the other spouse. In other words, a married associate may not override his or her spouse if both spouses are a
Marketing Director or above.
VI. Marriage After Joining UNI. If two UNI associates marry each other after joining UNI, they must adhere to the requirements
of Section V. above. If the spouses cannot agree on the hierarchy adjustment to be made, UNI will assist in determining the
appropriate arrangement. Changes to be made may consist of such adjustments as transferring one spouse from his/her
hierarchy to the hierarchy of his/her spouse, changing one spouse’s level from a Marketing Director or above, to a Senior Associate.
VII. Divorce After Joining UNI. Married couples who divorce after joining UNI must remain in the same hierarchy arrangement as
when they were married, unless an associate obtains the appropriate transfer paperwork, or complies with the six-month
hierarchy transfer rule, or one of the divorced associates later marries an associate in another hierarchy. If a new marriage
occurs, the newly married associates must re-arrange their hierarchy positions to comply with the choices in Section V. above.
VIII. UNI Assistance. UNI may assist associates in making the necessary changes to comply with Section V. above, or make other
arrangements, in its sole discretion as it deems appropriate, in order to preserve the integrity of the hierarchy structure.