efusjon Distributor Resources

Hello efusjon Team,

Today we are thrilled to announce the launch of efusjon Distributor Resources! This is something that we have carefully thought about and worked very hard to put together. With each one of you as part of our efusjon family, we wanted to reward your hard work and loyalty by providing you with some top of the line resources that are customized just for you. Right now we have two different sections for our resources page and we are already in the process of working to provide even more options for you! We have added an additional tab on our website at http://www.efusjon.com titled “Distributor Resources”. Under this tab you will see brief introductory information and it will invite you to log in to your back office for access. In your back office, you will find access to these resources on the left-hand side under the section titled “Distributor Resources”. Below is a description of the resources that are available to you:

1. Insurance and More

efusjon has established a relationship with an excellent company, which is one of the nation’s leading independent insurance brokers, to offer you FREE immediate online, customizable rate quotes on the highest quality plans for all of your insurance needs.

These programs offer competitive rates and the highest levels of customer service, flexibility and integrity. There are many “A Excellent” rated insurance companies represented, with offers designed specifically for you.

Below are just some of the many options available through this outstanding resource:

· Health Insurance
· Direct Seller Liability Insurance
· Dental, Vision & More
· Identity Theft Protection
· Term Life Insurance


As a participant you’ll enjoy:

· Less expensive premiums
· Higher acceptance rates
· Faster underwriting
· Great discounts on medical services
· See all of your current doctors and hospitals
· Access to the nation’s highest-quality networks of doctors and hospitals
· Reliable and efficient claims processing
· Greater financial security
· Additionally, plans typically come with a 12-month rate lock but are now being offered in most states with 24- and 36-month rate locks. This provides rate
increase protection for extended periods regardless of health or other factors. Plans are also shielded from cancellation due to claims.


In addition, some recent enhancements to these programs include:

· "Claim-Free Deductible Credits," providing a percentage reduction in the deductible when a participant has no claims during the year.
· The availability of online rate quotes in New York, New Jersey, Maine and Massachusetts. The addition of these states brings to 48 the number of states offering
expanded accessibility of health insurance through online quotes (Rhode Island and Vermont continue with severe restrictions on coverage availability).
· PExpansion of coverage under the Direct Seller Liability insurance offering to include inventory and personal property such as laptops and other equipment. The
plan will continue to offer $1 million in nationwide protection for a direct seller whether in their home, a neighbor's home, or at another location where they are
conducting business.

The economy has made reliable affordable, reliable health care options a major concern for many. We believe that insurance should alleviate stress, not cause it. Because of this, we wanted to provide these programs as a critical resource for those in efusjon who need it, while also providing a valuable recruiting tool for our Distributors as millions of Americans look for solid options.

To find out more, login to your efusjon back office and click the “Insurance” link on the left hand side under “Distributor Resources”.

2. Self-Employment Tax Information

efusjon has added a tax resources page to benefit our Distributors. Since each one of you own your own efusjon "business", this page contains valuable information that will be extremely helpful when preparing your taxes for 2009 and beyond. Best of all, the information is provided to you for FREE! This page will be ever-growing and will be updated on a regular basis with information straight from the IRS. Additional features will be included as well. If you have any questions regarding self-employment tax information or perhaps about starting a new home-based business, this is the place to go! Detailed answers including links and PDFs will be provided for questions such as:

· What are some tips for starting a new business?
· What is the American Recovery and Reinvestment Act of 2009 and how does it impact my business?
· How does direct selling affect my taxes?
· What do auditors look for when reviewing a direct seller's tax return?
· I am setting up a home-based business. How do I know if I am complying with federal guidelines?
· What is an EIN (Employer ID Number)? How will I know if I need one?
· Which items are permitted as business expense deductions?
· What are the pros and cons of a home office deduction and how will I know if I qualify for one?
· Which types of retirement plans are best and what are the tax implications?
· Can the IRS send me any free materials with more information?

To find out the answers to these questions and MORE, simply login to your efusjon back office and click the "Self-Employment Tax Information" link on the left hand side under "Distributor Resources".

We look forward to expanding and updating these resources in the coming weeks. We hope you will enjoy them and take advantage of the opportunity to use them!


Dawn Snarr
Director of Marketing and Technology