Download Please consider the charges, risks, expenses

Participation in all aspects of the Agent Benefits Program that are offered
through AXA Advisors and AXA Network is entirely voluntary, and each
participant must individually work with a Financial Professional to choose
and obtain all products and services offered.
Financial Professionals of Dergalis Associates offer securities through AXA
Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC. Investment
advisory products and services offered through AXA Advisors, LLC, an
investment advisor registered with the SEC. Annuity and insurance products
offered through AXA Network, LLC. AXA Network, LLC does business in
California as AXA Network Insurance Agency of California, LLC and, in Utah,
as AXA Network Insurance Agency of Utah, LLC. Dergalis Associates is not
owned or operated by AXA Advisors or AXA Network.
AXA Advisors and AXA Network do not provide tax or legal advice. Please
consult your own tax and legal advisors regarding your particular
circumstances. BHHS Carolinas/BHHS YSU/BHHS Yost & Littleis not
affiliated in any way Dergalis Associates, AXA Advisors or AXA Network. PPG93662(07/14)(exp.07/16)
The Benefits of the Program
RECRUIT
This distinctive offering can give you an edge over the competition. By using
the program and extensive financial planning services as a recruitment tool,
we can help you work to attract the best real estate agents in your market.
RETAIN
The structure of the program helps support agents in their practice. Agents
who utilize the program may be less likely to leave for another agency where
these valuable services may not be made as readily available.
The Agent Benefits Program
The BHHS Carolinas/BHHS YSU/BHHS Yost & Little Agent
Benefits Program, offered by Dergalis Associates, provides your
agents with easy access to insurance and other financial
products and services through financial professionals.
Dergalis Associates is comprised of a team of professionals
focusing on financial services, health insurance and benefit
administration. The team works together to help your agents
create customized financial strategies and benefit plans.
Group Insurance Plans
For New Agents
 Our group insurance plans are available to your agents
GUARANTEED-ISSUE during their New Associate
Election Period, which lasts 30 days after their start
date. They cannot be denied coverage based on health
and there is no medical underwriting process.
For Current Agents
 Dental and Vision Insurance have an annual companywide open enrollment. An agent may also enroll during a
qualifying life event.
 Life and Disability Income Insurance can be enrolled in at
any time, but with limited medical underwriting.
All group life, disability income, health, dental and vision insurance coverage is offered entirely outside of AXA Network, LLC,
AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates.
Automatic Contribution Program
 This is a structured savings plan where a percentage of each commission check an
agent receives gets automatically contributed to either a tax* or retirement account.
 Provides agents with a structured savings plan
 An agent saves money ONLY when they make money
* All funds contributed for the purposes of setting money aside to pay income taxes (“tax account”) are
invested in a money market mutual fund through AXA Advisors, LLC. An Investment in the fund is not
insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any government
agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is
possible to lose money by investing in the Fund.
Please consider the charges, risks, expenses, and investment objectives carefully before
purchasing a mutual fund. For a prospectus containing this and other information, please
contact a financial professional. Read it carefully before you invest or send money.
The Retirement Savings Plan is not an employer-sponsored qualified retirement plan. All group life, disability income, health, dental and vision insurance coverage is
offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates.
Protecting Their Income
Tax Savings Plan
By gradually saving for tax payments throughout the year, agents can alleviate the quarterly
stress of scrambling to pay taxes. This structured savings plan helps agents stay focused on
selling.
All funds contributed for the purposes of setting money aside to pay income taxes (“tax
account”) are invested in a money market mutual fund through AXA Advisors, LLC. An
Investment in the fund is not insured or guaranteed by the Federal Deposit Insurance
Corporation (FDIC) or any government agency. Although the Fund seeks to preserve the value
of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.
Please consider the charges, risks, expenses, and investment objectives carefully before
purchasing a mutual fund. For a prospectus containing this and other information, please
contact a financial professional. Read it carefully before you invest or send money.
Protecting Their Income
Individual Life Insurance
In the case of a tragic event, life insurance can help an agent’s
family cover their loss of income, pay off debts, cover medical
bills or fund a child’s education. An Individual Life Insurance
policy can be customized to fit an agent’s financial needs.
When buying a new home or adding to their family, an agent
should review their life insurance needs.
Individual life insurance products offered through AXA Network, LLC, AXA Network Insurance Agency of California, LLC in CA,
and AXA Network Insurance Agency of Utah, LLC in UT.
Protecting Their Income
Group Life Insurance
Our Group Life Insurance Plan is Guaranteed-Issue during the
New Associate Election Period. This plan is great for an agent
who may not qualify for an Individual Life Insurance policy. If an
agent wants to participate after their New Associate Election
Period, medical underwriting will be required.
All group life insurance coverage is offered entirely outside of AXA Network, LLC, AXA
Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC
or any of their affiliates.
Protecting Their Income
Individual Disability Income Insurance
Disability Income Insurance pays benefits in the case that the
policy-holder is incapable of working as the result of a
disability. As independent contractors, real estate agents need
the income protection that disability income insurance offers.
An Individual Disability income policy can be customized to fit
an agent’s financial needs.
We recommend that all agents consider disability income
insurance as most would struggle with the loss of their income.
Individual disability income insurance products offered through AXA Network, LLC, AXA Network Insurance
Agency of California, LLC in CA, and AXA Network Insurance Agency of Utah, LLC in UT.
Protecting Their Income
Group Disability Income Insurance
Our Group Disability Income Insurance Plan is GuaranteedIssue during the New Associate Election Period. This plan is
great for an agent who may not qualify for an Individual
Disability Insurance policy. If an agent wants to participate
after their New Associate Election Period, medical underwriting
will be required.
All group disability income insurance coverage is offered entirely outside of AXA Network,
LLC, AXA Network Insurance Agency of California, LLC, AXA Network Insurance Agency of
Utah, LLC or any of their affiliates.
Protecting Their Income
Long-Term Care Insurance
Long-Term Care (LTC) Insurance covers the cost of home health
aides and nursing homes should an agent need them. LTC
Insurance helps an agent afford access to top-notch care when
they need it most, and it helps them plan to not be a financial
burden to their children.
Long-term care insurance products offered through AXA Network, LLC, AXA Network Insurance Agency of
California, LLC in CA, and AXA Network Insurance Agency of Utah, LLC in UT.
Protecting Their Health
Health Insurance
 Our Health Insurance Professionals can access a wide
range of plans
 They’ll work directly with you to find the most costeffective plan
 Medical plans are available during the federal annual
open enrollment period or during a qualifying life event
(such as changing jobs, marriage, birth of a child, etc.)
All health insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network Insurance Agency of
California, LLC, AXA Network Insurance Agency of Utah, LLC or any of their affiliates.
Protecting Their Health
Group Dental Insurance
Our Group Dental Insurance is Guaranteed-Issue during the
New Associate Election Period, company-wide open enrollment
or during a qualifying life event.
The plan covers 100% of diagnostic, preventative
and basic procedures, as well as 50-70% of major
services. There is no waiting period.
All group dental insurance coverage is offered entirely outside of AXA Network, LLC, AXA Network
Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC or an any of
their affiliates.
Protecting Their Health
Group Vision Insurance
Our Group Vision Insurance is Guaranteed-Issue during the
New Associate Election Period, company-wide open enrollment
or during a qualifying life event.
The plan covers eye exams, frames, lenses
and contacts. There is no waiting period.
All group vision insurance coverage is offered entirely outside of AXA Network, LLC, AXA
Network Insurance Agency of California, LLC, AXA Network Insurance Agency of Utah, LLC
or any of their affiliates.
Protecting Their Future
Retirement Savings Plan
Saving for retirement is a best business practice for all agents,
but many procrastinate when having to set up and fund
accounts on their own. The ease of the Automatic Contribution
Program helps clear the obstacles that prevent agents from
starting their retirement planning.
The Retirement Savings Plan is not an employersponsored qualified retirement plan.
Protecting Their Future
Rollover from Previous Employer Plan into
Another Qualified Plan
Our Financial Professionals guide the agent through the rollover
process. Whether they want to adjust their investments within and
make future contributions to another qualified plan, or participate in
the Automatic Contribution Program, the financial professional will
work with the agent to determine a suitable and appropriate account
type and help him or her consolidate their portfolio.
This is especially important to mention to recruits and new associates
as it can help the transition process of joining the company.
Addressing Their Future
Investment Services
Setting up the right investment portfolio can help an agent
work toward a better financial future. Our Financial
Professionals will conduct a complimentary financial needs
analysis to help agents establish an investment strategy. If an
agent already has an investment strategy, we can review it as
a second opinion to help them make sure they’re on the right
path.
Protecting Their Future
College Savings Plan
Whether helping a child, grandchild, or any special person in
their lives save for college, a college savings plan can help an
agent give a family member an opportunity of a lifetime.
Utilizing the Program
The program offers agents the ready availability to financial
services that the competition may lack. By making the Agent
Benefits Program part of the culture and core values of BHHS
Carolinas/BHHS YSU/BHHS Yost & Little, you can continue
striving to recruit and retain the best agents in the area.
Utilizing the Program
Visit our manager website to access our most up-to-date
marketing materials, learn more about the program and give us
your feedback:
www.agentbenefits.net/bhhscarolinasmanager
The Program’s Importance
We strongly believe that the program can help to minimize the
burden of being an independent contractor, allowing agents to
focus on what they do best. By offering the ready availability of
financial services to agents, they may have a stronger loyalty
and dedication to your company.
Dedicated agents focused on selling houses? That’s what
makes BHHS Carolinas/BHHS YSU/BHHS Yost & Little thrive.
Contact
Scott Allen
P: (336) 610-4242 Ext.15
F: (336) 629-7563
E: [email protected]
Stephen Poulton
P: (704) 540-2935
F: (704) 540-2999
E: [email protected]
Shana Lovallo,
Director of Sales
P: (856) 751-2668
F: (856) 795-1035
E: [email protected]
Participation in all aspects of the Agent Benefits Program that are offered
through AXA Advisors and AXA Network is entirely voluntary, and each
participant must individually work with a Financial Professional to choose
and obtain all products and services offered.
Financial Professionals Associates of Dergalis Associates offer securities
through AXA Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC.
Investment advisory products and services offered through AXA Advisors,
LLC, an investment advisor registered with the SEC. Annuity and insurance
products offered through AXA Network, LLC. AXA Network, LLC does
business in California as AXA Network Insurance Agency of California, LLC
and, in Utah, as AXA Network Insurance Agency of Utah, LLC. Dergalis
Associates is not owned or operated by AXA Advisors or AXA Network.
AXA Advisors and AXA Network do not provide tax or legal advice. Please
consult your own tax and legal advisors regarding your particular
circumstances. BHHS Carolinas/BHHS YSU/BHHS Yost & Little is not
affiliated in any way Dergalis Associates, AXA Advisors or AXA Network.
PPG-93662(07/14)(exp.07/16)