The Alliance Presentation

The Financial Services Company for the 21st Century ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Primerica’s Mission : Help Families Become Properly Protected, Debt Free and Financially Independent ,[object Object],[object Object],“ By taking time to educate its clients and teach them how money works, Primerica is helping families address their most serious financial problems – and find solutions.” Premier Business , Fall 2007

A Track Record of Success Primerica income figures are cumulative from 1977 and are based upon rolling 12-month gross cash flow (including advances) as of November 30, 2006. Primerica has more than 100,000 Representatives. The cash flows stated are not intended to demonstrate earnings of typical RVPs/Representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/Representatives do not achieve the levels illustrated. Of course, actual gross cash flow is, among other factors, dependent upon actual organization size, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Commissions are subject to deferred compensation account withholding and applicable taxes. RVPs are responsible for their own business expenses and pay for all office expenses for their base shop representatives. The Company may from time to time modify, supplement or terminate any compensation program in any manner. Further details are available from Primerica Financial Services, Inc. In 2008, Primerica paid an astounding $622 million to its sales force! ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Cumulative Number of Earners

Protection Crisis ,[object Object],[object Object],1. National Underwriter, April 24, 2006 2. National Underwriter , September 20, 2004 3. National Underwriter , April 25, 2005 If something happened to you, would your family’s future be secure? ? 59% of households have no individual life insurance at all. 2 59% of households have no individual life insurance at all. 2 44% of households believe they need more life insurance. 3 59 %

Two Types of Plans: Cash Value versus “Own Term and Invest the Difference” ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Plan A Plan B Over 3 Trillion Dollars are in Plan A 87% of People in America with Income Protection Have Plan A Why do you think people buy Plan A? ?

Plan A (cash value) ($83 per Month) Plan B (term & savings) ($83 per Month) Approximately $597 per year goes towards SAVINGS . “ Own Term and Invest the Difference” Approximately $447 per year goes towards CASH VALUE . “ Under no circumstance do you want “cash value life insurance,” no matter how fabulous the agent makes it sound. Suze Orman, Premier Business, Fall 2007 “ Cash value life insurance is one of the worst financial products available.” Dave Ramsey, Total Money Makeover Which would you prefer…“cash value” or cash money? ?

Savings Crisis ,[object Object],[object Object],Almost half of all workers think they’ll still be working at age 65 or older! 3 1. USA Today , July 13, 2004 and October 7, 2005 2. Atlanta Journal Constitution , November 1, 2005 3. Money , February 2005 What if this were your parents or grand parents? ?

Savings: The Power of Compound Interest ,[object Object],[object Object],Based on the Rule of 72, a one-time contribution of $10,000 doubles approximately three times more at 12% than at 4%. The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment, in which rates of return will fluctuate. AGE 4% 6% 12% 29 $10,000 35 41 47 $20,000 53 59 65 $40,000 $10,000 $20,000 $40,000 $80,000 $10,000 $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 “ Compound interest is the most powerful force in the universe.” — As quoted in Dow 40,000 by David Elias (1999)

Debt Crisis ,[object Object],Americans with credit card debt have an average balance of $10,678. 2 ,[object Object],[object Object],1. USA Today , April 29, 2005 2. USA Today , November 10, 2008 3. Newsweek , February 1, 2008 4. UPI.com, January 15, 2009

Debt: The SMART Solution Restructured $210,000 for 25 years at $1,531 At age 35 Makes available $ 780 per month 1 st Mortgage $175,000@ $1,104 (for 25 more years) Personal Debt $32,157 @ $1,207 Total monthly payments = $2,311 Original Loan APR: 6.00% Original Term: 30 years Original Loan Amount: $184,100 Market Value of Home: $263,000 What do you think most people do with the $780? ?

A Plan to Become Debt Free $780 monthly savings After the house is paid off, take the $170,700 lump sum you accumulated and invest with the $2,311 now available each month until age 62 The total, given a 10% return = $1.20 million Invest $412 a month at 10% for 15 years = $170,700 Add $368 a month toward payment of principal $170,700 invested/House and all debt paid off in 15 years How would they feel? How would you feel? ?

FNA: Most People Don’t Plan to Fail, They Fail to Plan The Problem: Traditional financial institutions sell products. They don’t provide a total solution. ,[object Object],[object Object],[object Object],[object Object],Doesn’t a Financial Needs Analysis make sense? ? The FNA provides Solutions in these areas: ,[object Object],[object Object],[object Object],[object Object]

Income Crisis ,[object Object],[object Object],[object Object],[object Object],1. Business Week , October 3, 2005 2. Parade , March 13, 2005 3. CNN Money.com , October 30, 2008 4. Money , January 2007 ? Given the choice, wouldn’t you like to be your own boss? 57% of people dream of starting a business. 4 57 %

The Four Ways to Earn Income EMPLOYEE Has a job. Income based on position, not the person. SELF EMPLOYED Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. BUSINESS Owns a system. Has others working for them. Unlimited income potential via manufacturing, marketing, etc. INVESTOR Has money working for them. Enjoys complete freedom and lives the dream. Which two ways to earn income appeal to you the most? ?

Based on a $83/month program Compensation: Personal $659.06 95% RVP $485.62 70% Regional $416.25 60% Division $346.87 50% District $242.81 35% Senior Rep. $173.43 25% Representative 75% Advanced Compensation Contract Levels Title

Compensation: RVP Bonus & Override Personal Sales = $1,318 Override Sales = $2,775 Monthly Bonus = $3,150 That’s $7,243 Per Month!

In Business for Yourself, But Not By Yourself ,[object Object],[object Object],[object Object],[object Object],[object Object]

Crisis … Or Opportunity? ,[object Object],[object Object],The stage is set for massive economic change among the middle market: Primerica’s Market

[object Object],[object Object],Ask Yourself Two Final Questions: Get a new start with Primerica. Seize your destiny today! $99 plus $25/month for Primerica Online, a unique start-up package that gives you access to the ultimate support system

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The Alliance Presentation