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  • 1. More than 2 million clients maintain investment accountswith usOver 4.3 million lives insured through our life companiesPrimerica is the largest independent financial servicesmarketing organization in North America.Member of the New York Stock Exchange (NYSE)
  • 2. Our Mission: Help families become properly protected, debt free andfinancially independent. Primerica refers to Primerica and its affiliated companies.
  • 3. How We Do What We Do:We teach people how money works so they can makeinformed decisions about how to manage their finances.We provide a Financial Needs Analysis to give clientsa snapshot of their financial situation.Primerica offers a variety of products and servicesdesigned to help people get properly protected, get outof debt and become financially independent.
  • 4. Today’s Financial Crisis“The average American family carries $8,000 to $10,000 incredit card debt.”— CNNMoney.com, April 16, 2009“Overall, 61% (of survey respondents) said they always orusually live paycheck to paycheck...”— CNBC.com, September 16, 2009“U.S. foreclosure actions shattered all records in 2009and will do so again this year.”— Reuters.com, January 14, 2010
  • 5. Today’s Financial Crisis43% of American workers say they have less than $10,000in savings.— Money.com, March 9, 2010“Two in 10 American households have no life insurance,and among those that do, 40% say they need more.”— INC.com, December 1, 200946% of workers feel “not too confident” or “not at allconfident” that they will have enough money to livecomfortably through retirement.— Employee Benefit Research Institute 2010 Retirement Confidence Survey
  • 6. Do you have a written program? to get out of debt and retire financially secure?
  • 7. How Money Works The Rule of 72 approximates the number of years it takes to double your money. DOUBLE your money in approximately… 72 ÷ 4% 18 years interest 72 ÷ 6% 12 years interest72 ÷ 12% 6 years interest ? How many doubling periods do you have in your life?
  • 8. The Power Of Compound Interest $200 Monthly Savings for 35 Years (Age 30 - 65) 3% interest $148,68 0 6% interest $286,37 0 12% interest $1.3 MillionRates of return are nominal rates, compounded monthly. Contributions are assumed to be made at the beginning of the month. The chart above is not indicative of anyparticular investment or savings vehicle. It does not take into consideration taxes or other applicable deductions, which would lower performance. This example uses constantrates of return. Actual investments will fluctuate in value.
  • 9. “Compound interest is the most powerful forcein the universe.”— Albert Einstein, as quoted inDow 40,000 by David Elias (1999)“U.S. consumer bankruptcy filings in the first halfof 2010 reached the highest level since 2005.”— Reuters.com July 2, 2010
  • 10. Our Philosophy:The Theory of Decreasing Responsibility How Life Works Today At Retirement 1. Young children 1. Grown children 2. High debt 2. Lower debt 3. House mortgage 3. Mortgage paid Loss of income would Retirement income be devastating needed
  • 11. Most People Don’t Plan to Fail, They Fail to PlanThe Problem: The Solution: A Financial Needs AnalysisTraditional financial institutions sellyou products; they don’t provide you A complimentary, confidential andwith a total solution. customized program to help you achieve your goals and dreams. Mortgage Credit Cards Life InsuranceBank Accounts YOU Installment Loans Savings The FNA Debt Solutions 401 (k) Mutual Funds provides solutions Income Protection Savings in these areas: Accounts Income Management
  • 12. On a scale of 1–10, 10 being the highest,? how would you rate your desire to become properly protected, debt free, and financially independent? _________
  • 13. The Four Ways to Earn Income*Which two ways to earn income appeal to you the most? EMPLOYEE BUSINESS Has a job. Income based on Owns a system. Has others position, not the person. working for them. Unlimited income potential via manufacturing, marketing, etc. SELF EMPLOYED INVESTOR Owns a job. Dentist, doctor, Has money working for them. lawyer, hair stylist, real estate Enjoys complete freedom and agent, salesperson. lives the dream. *The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies, Inc. For information purposes only. Not for any product solicitation.
  • 14. If I could help you become financially? independent more quickly, would you join me in my business?
  • 15. A Track Record of Success … With Tremendous Momentum Cumulative Number of Earners Personal Income Since 1977 New Since 2000 Over $50,000 5,392 2,854 Over $100,000 2,562 1,440 Over $1 million 63 32 Over $2 million 17 6 Over $5 million 1 1 In 2010, Primerica paid more than a half of a billion dollars to its sales force. ? With this track record, what would prevent you from pursuing this opportunity?These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point during theiraffiliation with a Primerica Company, beginning in 1977. The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “CumulativeNumber of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the stated cash flow figures. The cash flow categoriesare not intended to demonstrate earnings of typical representatives. In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to thesales force at an average of $5,296 per licensed representative. Most representatives do not reach the levels illustrated. Average RVP earnings are typically higher. Actual gross cashflow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and effortsof you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong incomepotential.
  • 16. EndnotesLife insurance is underwritten by the following affiliated companies in these respective jurisdictions: National Benefit LifeInsurance Company, Home Office: Long Island City, NY, in New York; Primerica Life Insurance Company, ExecutiveOffices: Duluth, GA, in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada, in Canada. Securitiesoffered by PFS Investments Inc.