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Primerica Presentation
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Primerica Presentation

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  • 1.  
  • 2. Please
    • Enjoy your time with us!
    4 Turn off/mute all cell phones. 1 Keep movement to a minimum while the meeting is taking place. 3 Save all questions for after the meeting. 2
  • 3. Primerica
    • The best part-time business opportunity or
    • The best full-time business opportunity
  • 4. Primerica
    • You Decide.
    Full-time Part-time or
  • 5. Just the Facts $0.02 $0.08 $0.04 $0.16 $20.48 $2,621.44 $1,310.72 $10.24 $5.12 $655.36 $20,971.52 $163.84 $1.28 $0.64 $5,242.88 $40.96 $0.32 $2.56 $327.68 $81.92 $10,485.76 $41,943.04 $83,886.08 $167,772.16 $335,544.32 $671,088.64 $1,342,177.28 $2,684,354.56 $5,368,709.12 $10,737,418.24 For illustrative purposes only. Not intended to demonstrate the growth potential of any specific investment. Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31
  • 6. What Do People Want?
    • When people talk about freedom, they’re really talking about…
    Quality of Life
  • 7. What Is Quality of Life? More … Time More … Money In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
  • 8. For Most People, These Things Are Just Wishes
    • Dream home
    Would you want to make this a reality?
    • A second home at the lake, the beach, the mountains
    • Education for your children
    • Travel, entertainment, hobbies, events
    • Charitable contributions to your favorite cause
    • Building a legacy for your family
    • Toys – cars, boats
  • 9. Which One Seems More Like Freedom? Your Life Revolves Around Your Job Your Business Revolves Around Your Life Your Job Your Life
  • 10. Quality of Life
    • What determines your quality of life?
    How You MANAGE Your MONEY How You MAKE Your MONEY
  • 11. How Do Most People Make Their Money? Control of TIME. Control of MONEY. Self-Employed Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Control of TIME. Control of MONEY. Investor Has money working for them. Enjoys complete freedom and lives the dream. The Cash Flow Quadrant, CASH FLOW Technologies, 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. Employee Has a job. Income based on position, not the person. Business Owner Owns a system. Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc. No Control of TIME. No Control of MONEY. Limited control of TIME. Limited control of MONEY.
  • 12. Working for Yourself Pays
    • Those who run their own business tend to build wealth faster than employees.
    — Money , July 2009 $49,000 $67,000 Median Income $67,000 $336,000 Median Net Worth Wage Earners Self-Employed
  • 13. There Are Two Reasons People Don’t Start a Business: 2. Money 1. Ideas
  • 14. Starting a Business In Primerica , you are in business FOR yourself, but not BY yourself!
  • 15. Primerica Listed on the New York Stock Exchange (PRI)
  • 16. Primerica
    • Primerica was named one of the “Best [performing] IPOs in First Quarter of 2010.”
    • — Investopedia (a Forbes Digital Company), April 22, 2010
    • Among the initial investors:
    • Legg Mason
    • Invesco
    • Franklin Templeton
    • An Oppenheimer Fund
    • AGF Investments Inc.
    Plus 200 other companies!
  • 17. Among the Significant Holders of Primerica Stock: Warburg Pincus LLC
    • Private equity firm with offices in the United States, Europe, and Asia
    • Private equity investor since 1966
    • Approximately $25 billion in assets under management
    “ At Warburg Pincus, we look for companies that we believe deliver high value products to the consumer. We believe Primerica is uniquely positioned to be the top financial services distributor in North America.” Michael E. Martin , Partner, Warburg Pincus & Co. and Managing Director, Warburg Pincus LLC.
  • 18. Among the Significant Holders of Primerica Stock: Baron Capital Management
    • Founded by Ron Baron in 1982
    • Approximately $16 billion in assets under management
    • Ron Baron is listed on the Forbes 400 (The 400 Richest Americans) and has a net worth of $1.3 billion
    “ Baron Funds invests for the long term in what we believe are unique, well-financed businesses with open-ended growth opportunities and sustainable competitive advantages. We are most interested in businesses like Primerica that provide products with broad appeal to an underserved market. “ We like to say, ‘Baron Funds invests in people not just buildings.’ Primerica is a good example of a company that meets our investment criteria.” Ron Baron , Chairman and Chief Executive Officer, Chief Investment Officer, Baron Capital Management, Portfolio Manager of Baron Growth Fund, Baron Partners Fund and Baron Retirement Income Fund
  • 19. We Are the Largest Independent Financial Services Marketing Organization in North America 1 Size of life sales force (2009) 2 Aflac U.S. licensed sales associates 3 Estimated number of licensed sales professionals 4 Number of agents as of December 31, 2008 per the company Web site; accessed January 10, 2010 5 Total number of sales representatives 6 Number of producing exclusive agents as of September 30, 2009 7 Global representatives 8 Number of financial advisors 9 Estimated number of financial advisors per the company Web site; accessed February 25, 2010 10 Total financial advisors 11 Estimated number of financial advisors per fourth quarter 2009 report Primerica 1 Aflac 2 Allstate 3 State Farm 4 MetLife 5 Torch mark 6 MSSB 7 BAML 8 Edward Jones 9 Ameri prise 10 Raymond James 11 Insurance Agents Brokers Financial Advisors 5.3 12.0 12.5 15.0 18.1 7.5 12.6 17.6 32.0 75.3 100.0 Sales Force (in thousands)
  • 20. Primerica
    • New company with 33-year proven track record
    • #1 rank of in-force term life premium
      • 4.3 million lives insured
    • 2 million investment clients
      • $31 billion in assets under management
    • Accredited member of the Better Business Bureau
    • Doing business in one of the most highly regulated industries
    • Rated A+ Primerica Life’s, National Benefit Life’s and Primerica Life Insurance Company of Canada’s financial strength is rated A+ (Superior) by A.M. Best, the oldest and most prominent rating agency in the industry.*
    *A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E, F. Primerica’s term life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica Life Insurance Company, Home Office: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada. Investments offered by: PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, GA, 30099, 770-381-1000.
      • Could all these people be wrong?
  • 21. Primerica Legal Protection Program Life Insurance Annuities Debt Solutions Legal Protection Long Term Care Auto & Home Insurance Referral Program Mutual Funds Quotes from such companies as: Travelers Safeco Progressive Primerica DebtWatchers™ Offered by Primerica Client Services, Inc. through contractual agreement with
  • 22. The Power of Primerica
    • A Main Street company delivering to Main Street families
    • Common sense solutions
    • If it’s complicated, we don’t offer it
    • We teach people how
    • money works.
  • 23. Ask Yourself
    • Do you believe it’s POSSIBLE for people in this country to become properly protected , debt free and financially independent?
    • How do you think most people would FEEL if they woke up tomorrow morning properly protected , debt free and financially independent?
    On a scale of 1-10, 10 being the highest, how would you rate most people’s DESIRE to be properly protected , debt free and financially independent? 1 2 3 4 5 6 7 8 9 10
  • 24. Ask Yourself
    • If most people have…
    • The DESIRE to be properly protected, debt free and financially independent, and…
    • Believe it’s POSSIBLE for people in this country to become properly protected, debt free and financially independent, and…
    • Would FEEL UNBELIEVABLE if they were properly protected, debt free and financially independent…
    Then why aren’t more families properly protected, debt free and financially independent?
  • 25. How do most people manage their money?
    • They Don’t!
  • 26. You’ll Earn A Fortune In Your Lifetime What you will earn over a 40-year career: If you make: If you AND your spouse each make: $30,000 $1.2 Million $40,000 $1.6 Million $50,000 $2 Million $30,000 $2.4 Million $40,000 $3.2 Million $50,000 $4 Million
  • 27. It’s Not What You Make, It’s What You Keep. To have $1 million at age 65, would you rather save: $158/month from 25-65 $1,000,000 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 25 65
  • 28. It’s Not What You Make, It’s What You Keep. $1,000,000 25 $442/month from 35-65 65 To have $1 million at age 65, would you rather save: This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 35
  • 29. It’s Not What You Make, It’s What You Keep. $1,317/month from 45-65 35 65 $1,000,000 To have $1 million at age 65, would you rather save: 25 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 45
  • 30. It’s Not What You Make, It’s What You Keep. $4,882/month from 55-65 45 65 $1,000,000 To have $1 million at age 65, would you rather save: 35 25 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 55
  • 31. It’s Not What You Make, It’s What You Keep. 45 55 65 $12,914/month from 60-65 $1,000,000 To have $1 million at age 65, would you rather save: 35 25 This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. 60
  • 32. It’s Not What You Make, It’s What You Keep. 45 55 Too Late at 65 $1,000,000 35 25 60 65
  • 33. Money Management Mistakes: Not Understanding How Money Works
  • 34. Bypass the Middleman Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return Traditional Financial Institutions CDs and savings accounts are generally FDIC insured up to $250,000. Cash value life insurance offers life insurance components in addition to the investment component.
  • 35. The Rule of 72 This simple calculation gives you the approximate number of years it will take to double your investment. Based on the Rule of 72, a one-time contribution of $2,000 doubles six more times at 12% than at 3%. 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. The chart uses constant rates of return, unlike actual investments, which will fluctuate in value. It does not include fees or taxes, which would lower performance. 3% 12% 6% $4,000 $2,000 $2,000 $2,000 $4,000 $4,000 $8,000 $8,000 $16,000 $16,000 $32,000 $64,000 $128,000 $256,000 $512,000 $32,000 $8,000 0 6 12 18 24 30 36 42 48 Number of Years 3% 6% 12%
  • 36. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000
  • 37. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING
  • 38. Money Management Mistakes: Overpaying Taxes
  • 39. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 TAXES BILLS MORTGAGE DEBT INSURANCE TAXES Where does it all go? SAVING GIVING
  • 40. Taxes Average 2009 tax refund = $2,960 $2,960/12 months = $246/month — USA Today , April 28, 2010 $246 Monthly Overpayment for 35 Years (Age 30-65) If you make: The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are nominal, compounded monthly. 0% interest $103,320 3% interest $182,425 6% interest $350,479 12% interest $1,582,016
  • 41. Taxes Your choice: or IRS? IRA
  • 42. Money Management Mistakes: Debt
  • 43. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Debt Mortgage BILLS MORTGAGE DEBT INSURANCE TAXES Where does it all go? SAVING GIVING
  • 44. The Smart Solution The above example is for illustrative purposes only. 1. The above monthly payment does not include taxes and insurance. 2. Based on the assumption that the present payment program continues on three open-end credit card accounts with balances of $7,570, $8,830, and $5,500 respectively, each with an APR of 18%, 16% and 14.9% respectively, and combined minimum monthly payments of $876 ($303 and $353 and $220 respectively) and one fixed installment car loan with a balance of $15,764, an APR of 6%, a monthly payment of $551, and an original term of 60 months. 3. The above monthly payment does not include taxes and insurance. The payment reflects an annual percentage rate of 5.86% and a note rate of 5.75%. The loan in this illustration includes points and applicable closing costs, which are financed from the loan proceeds. Your actual closing costs and APR may differ. 4. Assumes no additional debt is incurred. Makes available $1,367 a month 4 Refinanced $215,000 for 25 years at $1,353 per month 3 at age 35 Original Loan APR: 7.50% Original Term: 30 years Original Loan Amount: $184,955 Market Value of Home: $269,000 1st Mortgage $175,000 at $1,293 1 (for 25 more years) Personal Debt $37,664 at $1,427 2 Total monthly payments = $2,720
  • 45. The Smart Solution 5. The hypothetical interest rate is for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrated rates of return are nominal, compounded monthly. 6. This example assumes the payment + 1/12 option is chosen. Acceleration Additional principal payment of 1/12 of your regular P & I payment may result in reducing total time and cost of your mortgage debt. (Reduces a family’s housing debt faster, possibly saves thousands of dollars in interest and may increase borrower cash flow.) $387,100 invested/home and all debt paid off in 15 years Invest $934 a month at 10% for 15 years = $387,100 5 Add $433 6 a month toward payment of principal The total, given a 10% return = $3.55 million 5 Take the $387,100 lump sum and invest with the $2,720 now available each month until age 67
  • 46. Be in the Know
    • Do you know your debt freedom date?
    • Do you know your FICO ® * score?
    • When in your adult life did you feel you had control of your credit score? Not your credit — the score?
    • Has anyone tried to steal your identity? How would you know?
    No matter what your personal debt situation is, you can’t afford NOT to be in the know. *FICO® is a registered trademark of Fair Isaac Corporation. Product not available for purchase by residents of Washington D.C. A good credit score can determine a lot of things today — whether you will be approved for credit, what interest rate you get on a loan, the cost of homeowners and car insurance and much more.
  • 47. The Debt Stacking Concept* $353 $551 $303 $1,293 $2,720 $551 $303 $1,293 $2,720 $303 $1,293 $2,720 $1,293 $2,720 * The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card 1 is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to car loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant. Retail Card 1 Credit Card 2 Car Loan Credit Card 1 Mortgage Total $1,124 $1,427 $2,720 $220 $353 $551 $303 $1,293 $2,720 $573 + $220 + $573 + $1,124 + $1,427
  • 48. The Debt Stacking Concept* * This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. Without Debt Stacking With Debt Stacking March 2019 182 Months Sooner $130,643 Interest Paid $214,433 Monthly Payments $2,720 $83,789 $2,720 Once debts are paid off at age 35, invest $2,720 each month until age 67 – the total, given a 10% return is $2.87 million.* Payoff Date May 2034 Interest Saved $0
  • 49. Money Management Mistakes: Buying the Wrong Type of Life Insurance
  • 50. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Insurance BILLS MORTGAGE DEBT INSURANCE TAXES Where does it all go? SAVING GIVING
  • 51. The Theory of Decreasing Responsibility Today 1. Young children 2. High debt 3. House mortgage Loss of income would be devastating At Retirement 1. Grown children 2. Lower debt 3. Mortgage paid Retirement income needed How Life Works
  • 52. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING
  • 53. How Does Primerica Help Families? Household Income $60,000 Mom $30,000 Dad $30,000 Dad $30,000 Household Income $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING
  • 54. How Does Primerica Help Families? Dad $30,000 Life Ins $300,000 Household Income $30,000 Household Income $60,000 Mom $30,000 Where does it all go? BILLS MORTGAGE DEBT INSURANCE TAXES SAVING GIVING
  • 55. Life Insurance: Cash Value vs. Buy Term and Invest the Difference Nearly THREE TIMES the coverage for $175 LESS per month! Invest the Difference $175 monthly savings invested at 10% for 35 years = $669,948 at age 65 1. Monthly premium is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal life, whole life, etc., and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. 2. Primerica monthly premium for age 35, non-tobacco use for 35 year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35 year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Home Office, Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 35 years at a 10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment. Death Benefit Before Primerica John $150,000 Mary $150,000 Children $0 Total coverage $300,000 Monthly Premium $298 Changed to Primerica’s Term John $300,000 Mary $300,000 Children $25,000 Total coverage $625,000 Monthly Premium $123 Difference = $175/month!
  • 56. How Does Primerica Help Families? We help Main Street families get the PROTECTION they need at a price they can AFFORD. Husband & son $400,000 $80,000 Pneumonia Female, age 50 Wife & 3 children, ages 5,10 & 11 $200,000 $40,000 Vehicular Accident Male, age 32 Husband & 2 children, ages 4 & 8 $295,000 $0 Cancer Female, age 34 Infant child $250,000 $0 Vehicular Accident Female, age 22 Expectant wife 1 child, age 3 $550,000 $37,000 Shot while on police duty Male, age 34 Expectant wife $400,000 $0 Iraqi Sniper Fire Male, age 26 Wife & 2 children, ages 6 & 12 $643,000 $150,000 Motorcycle Accident Male, age 41 Survived by Death Benefit After Primerica Death Benefit Before Primerica Cause of Death Insured
  • 57. Money Management Mistakes: Overpaying For Other Types of Insurance
  • 58. A Common Sense Approach to Auto/Home Insurance
    • Auto & Homeowner’s Insurance offered through Primerica Secure ™, a referral service
    • Largest comparative quoting system with 20+ top national insurers
    • Get competitive rate quotes in 10 minutes or less
    • Average savings is $478 per year for the average family* (that’s $40/month)
    • No referral license or test is required to earn referral fees in 33 states (including the District of Columbia)
    Get as much quality protection as possible for the least amount of premium. *The average savings amount is based on a survey of insurance premium information provided by 567 purchasers of insurance from Answer Financial between January 1, 2009, and March 31, 2009.
  • 59. Invest the $40 Difference Rates of return used in the above illustration are hypothetical and do not represent the returns of an actual investment, which will fluctuate in value. The figures show a nominal rate of return compounded monthly and do not take into consideration taxes or other factors which would lower performance. Rate of Return $139,799 $90,420 12% 10% 8% $59,614 30 years $25,000 $100,000 $50,000 $40 $75,000 $125,000
  • 60.
    • Most people
    • don’t plan to fail,
    • they fail to plan.
  • 61. What’s Next? Complete your FNA and begin your own personal program for proper protection, debt freedom & financial independence (if you haven’t already). Set up a time in the next 24-48 hours to:
  • 62. What You Would Make How many people do you want to help? $645 $50 $696 $55 $198 $1,644 $645 $74 $975 $60 $240 $1,994 $1,290 $110 $1,323 $85 $351 $3,159 These estimated earnings are based on the following assumptions: Life — Custom Advantage 35 policy for primary insured, totaling $300,000 (C535) at 35-year-old non-tobacco rates and spouse, totaling $300,000 (C535) at 33-year-old non-tobacco rates, plus a child rider at $25,000 each on two children. Loan — $215,000 $.M.A.R.T. Loan ® . Investment — 12 monthly savings of $934 and $175 monthly saving from the life insurance example into a mutual fund. DebtWatchers — one completed sale. Auto & Home — one completed sale. In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person. Product District Regional RVP Loan Primerica DebtWatchers ™ Life Insurance Auto & Home Investments Total
  • 63. Four Things Every Business Needs
    • Any business
    • (whether it’s a restaurant, retail, manufacturing, etc.)
    • Location (building, supplies, equipment)
    • Licenses (certificates, etc.)
    • Client Base (customers)
    • People (you’ve got to build a team to build a business)
  • 64. Businesses Are Built With People
    • You can know everything about the business you’re starting but to win you’ve got to have talented people
    • No one can do it alone (Bill Gates had Paul Allen, Steve Jobs had Steve Wozniak, Thomas Edison had three business partners!)
    • Surround yourself with great people
    • You can have a great product or a great service BUT if you don’t have a great team no one will know about it!
    • Think about the 3-10 people you know that you’d like to be in business with.
  • 65. Traditional Brokerage Business $30,000 $90,000 Broker In the Traditional Brokerage Business, who has the best Quality of Life ? You ARE NOT rewarded by helping others get a better quality of life! $180,000 $90,000 Broker Agent $90,000 Agent $60,000 Override Income: Agent $30,000
  • 66. Override Income $350 How many reps do you want to override? Build a team = Override You help 1 family = $1,994 x 2= $700 $2,694 In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person. District Regional RVP Total $1,644 $1,994 $3,127
  • 67. District Leader In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person. Fast Start Bonus Potential ( in your first two months) $1,000
    • You are a District Leader doing $2,500 in personal life premium per month.
    • You override downlines that produce $2,500 in premium.
    • Your personal life insurance business $783
    • Your overrides on your team $313
    • Income from other products $395
    • Total monthly cash flow $1,491
    District Leader
  • 68. Division Leader In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person. Fast Start Bonus Potential ( in your first four months) $2,000
    • You are a Division Leader doing $2,500 in personal life premium per month.
    • You override downlines that produce $5,000 in premium.
    • Your personal life insurance business $939
    • Your overrides on your team $626
    • Income from other products $1,103
    • Total monthly cash flow $2,668
    Division Leader
  • 69. Regional Leader In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • You are a Regional Leader doing $2,500 in personal life premium per
    • month. You override downlines that produce $7,500 in premium.
    • Your personal life insurance business $1,096
    • Your overrides on your team $1,409
    • Other income from securities, loans, auto & homeowner’s insurance referrals, etc. $2,144
    • Total monthly cash flow $4,649
    Regional Leader
  • 70. Regional Vice President In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • You are an RVP doing $2,500 in personal life premium per month.
    • You override downlines that produce $7,500 in premium.
    • Your personal life insurance business $1,487
    • Your overrides on your team $1,800
    • Total in bonuses 1 $1,597
    • Other income from securities, loans, auto & homeowner’s insurance referrals, etc. $3,610
    • Total monthly cash flow $8,494
    • Total annual cash flow $101,928
    RVP
  • 71. Regional Vice President with One Direct RVP In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • You are an RVP doing $2,500 in personal life premium per month.
    • You override downlines that produce $7,500 in base shop premium
    • and $10,000 at first generation.
    • Your personal life insurance business $1,487
    • Your overrides on your team $2,708
    • Total in bonuses 2 $2,997
    • Other income from securities, loans, auto & homeowner’s insurance referrals, etc. $5,316
    • Total monthly cash flow $12,508
    • Total annual cash flow $150,096
    RVP
  • 72. Senior Vice President with a $30,000 Base Shop and Three Direct RVPs In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • You are an SVP doing $2,500 in personal life premium per month.
    • You override downlines that produce $27,500 in base shop premium
    • and $45,000 at first generation.
    • Your personal life insurance business $1,487
    • Your overrides on your team $9,956
    • Total in bonuses 3 $16,472
    • Other income from securities, loans, auto & homeowner’s insurance referrals, etc. $14,062
    • Total monthly cash flow $41,977
    • Total annual cash flow $503,724
    SVP
  • 73. National Sales Director with a $30,000 Base Shop and Six Direct RVPs In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • You are an NSD doing $2,500 in personal life premium per month.
    • You override downlines that produce $27,500 in base shop premium
    • and $90,000 at first generation.
    • Your personal life insurance business $1,487
    • Your overrides on your team $14,041
    • Total in bonuses 4 $30,122
    • Other income from securities, loans, auto & homeowner’s insurance referrals, etc. $19,564
    • Total monthly cash flow $65,214
    • Total annual cash flow $782,568
    NSD
  • 74. Senior National Sales Director with a $30,000 Base Shop and 15 Downline RVPs In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • You are an SNSD doing $2,500 in personal life premium per month.
    • You override downlines that produce $27,500 in base shop premium
    • and $135,000 at first generation and $90,000 at second generation.
    • Your personal life insurance business $1,487
    • Your overrides on your team $21,226
    • Total in bonuses 5 $48,759
    • Other income from securities, loans, auto & homeowner’s insurance referrals, etc. $24,464
    • Total monthly cash flow $95,936
    • Total annual cash flow $1,151,232
    SNSD
  • 75. Primerica Success Stories
    • Ivan & Sharon Earle
    • Former Occupation: Plant Worker
    • Joined Primerica: Age 23
    • Achieved RVP in just over 2 years
    • Primerica’s newest million-dollar earner
    • Current Income: $1,039,129*
    *Cash flow as of 12-months ending May 2010 In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • Jim & Tammy Meyer
    • Former Occupation: Pressman
    • Joined Primerica: Age 18
    • Achieved RVP within six months
    • Current Income: $1,333,489*
    • George & Ursula Chavez
    • Former Occupation: Realtor
    • Joined Primerica: 2007
    • Current Income: $123,482*
    • Collis & Britney Temple
    • Former Occupation: Student/Athlete
    • Joined Primerica: 2003
    • Achieved RVP in one year at age 24
    • Current Income: $479,900*
  • 76. Primerica Success Stories
    • Brett & Andrea Burks
    • Former Occupation: Student
    • Joined Primerica: 2003
    • Achieved RVP in less than 2 years at age 23
    • Current Income: $394,000*
    *Cash flow as of 12-months ending May 2010 In 2009, Primerica paid a total of $515,691,076 to 100,000 life-licensed representatives, for an average of $5,156 person.
    • Yvette & Eddie Henderson
    • Former Occupation: Mechanical Engineer
    • Joined Primerica: 2004
    • Went RVP in less than 1½ years
    • Current Income: $203,000*
    • Jeff & Kelcey Fieldstad
    • Former Occupation: Advertising
    • Joined Primerica: 2004
    • 25 years old
    • Current Income: $461,000*
    • Frank Dillon & Alain Dillon
    • Former Occupation: Psychologist
    • Joined Primerica: 1995
    • Father & Son Team Achieved RVP: 1999
    • Achieved million-dollar earner status in less than 7 years (July 2003)
    • Current Income: $1,460,000*
  • 77. Our Target Market
    • Our goal is to serve the middle market, and despite all of our tremendous achievements, we have barely scratched the surface of our market share.
    The new Primerica is uniquely positioned to dominate the market. “ The ‘need’ in the middle income markets greatly exceeds the industry’s capacity to adequately serve these markets.” — The Wall Street Journal , February 17, 2005 1.52% — ACLI Fact Book , 2009
  • 78. The Primerica Business Opportunity
    • Low upfront costs
    • No inventory
    • Financially solid
    • Products people need
    • We do what’s right – not what’s being hyped
    . . $99 Plus $25/month
  • 79. Why People Don’t Join: 6. No ambition or desire to do or have more with your life. 4. Pride 5. Fear 1. Time 2. Money 3. Confidence/Belief Ego
  • 80. What’s Next? Submit your Independent Business Application ( IBA + $99 initial licensing fee, $25/mo. Business Building Support System). The Question All WINNERS Ask!
  • 81. What’s Next? Sit down with your Field Trainer to complete your Fast Track Planner and begin a Game Plan to Build Your Business Set up a time in the next 24-48 hours to:
  • 82. Get Your Business and Your Income off to a Fast Start See Your Field Trainer For Details! Learn how to earn your FAST START BONUSES of $500-$2,000
  • 83. YOU Are In Control
    • Keep Your Job
    And Build Your Business Keep Your Job Until You Build Your Business
  • 84. It’s Decision Time
    • If you don’t make a change, won’t the NEXT five years be the same as the LAST five years?
    Is that what you really want?
  • 85.
  • 86. www.primerica.com Important Notes 1 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP and 15% RVP Upline Bonus. 2 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP and 20% RVP Upline Bonus. 3 Assumes 30% Base Shop Bonus, 30% RVP Upline Bonus and average estimated Fast Start Bonus for RVP. 4 Assumes 30% Base Shop Bonus, 30% RVP Upline Bonus, average estimated Fast Start Bonus for RVP and 5% NSD Bonus. 5 Assumes 30% Base Shop Bonus, 30% RVP Upline Bonus, average estimated Fast Start Bonus for RVP , 5% NSD Bonus and 2.5% SNSD Bonus; overriding 9 first generation bonusable RVPs and 6 second generation bonusable RVPs. Additional Notes In Canada, not all products and services are available in all jurisdictions. No commissions are earned except upon product sales. In Canada, compensation levels noted for products and services may vary by jurisdiction. Premium reflected is Gross Bonusable Premium. Contract advancement is subject to being in good standing with each Primerica Company. Examples assume sales of Custom Advantage 30-year policy, issue ages 26-45, and QBI of 70%. In addition, Builder’s Track Bonus rate assumptions are: Senior Representative - 16%, District Leader - 20% personal and 8.5% over Sr. Rep and Rep, Division Leader and Regional Leader – 8.5% over District, Sr. Rep and Rep, and all Regional Vice President categories (RVP, SVP, NSD, SNSD) - 15%. Base shop overrides for the District Leader assumes one Sr. Rep and one Rep generating $1,250 in premium each; for the Division Leader, assumes one District Leader generating $2,500 in premium and one Sr. Rep and one Rep generating $2,500 in premium each; for the Regional Leader, assumes one District Leader and two Senior Representatives generating $2,500 in premium each; for the RVP and the RVP with one Direct RVP categories, assumes one District Leader and two Division Leaders generating $2,500 in premium each; for the RVP with a $30,000 Base Shop and one Direct RVP, as well as the SVP, NSD, and SNSD categories, assumes three District Leaders, four Division Leaders and four Regional Leaders generating $2,500 in premium each. For below-RVP categories, non-life cash flow examples assume the client continues to pay for the respective products throughout the first year; for RVP and above categories, non-life cash flow examples are based on Company-wide experience for representatives at the stated sales force level. For slides 104-109: Eligibility to earn overrides on loans is subject to meeting state licensing requirements and requirements of Primerica Financial Services Home Mortgages, Inc. Important Earnings Disclosure: The cash flows stated are hypothetical and are not intended to demonstrate the 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. In the 12‑month period ending in December 2009, Primerica’s sales force consisted of approximately 100,000 life‑licensed representatives, to whom the Company paid a total of $515,691,076 in compensation, an average of $5,156 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow 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 efforts of 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 income potential. The Company may from time to time modify, supplement or terminate any compensation program in any manner. Further details are available from Primerica. Life Insurance: In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York; in the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia; and in Canada, term life insurance products and segregated funds are underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Primerica Secure: A personal lines insurance referral program in which representatives may refer individuals to Answer Financial Inc. which offers insurance products and services through its licensed affiliates. Primerica, its representatives and the Secure Program™ do not represent any of the insurers in the program. Primerica Legal Protection Program , a legal services contract from PrePaid Legal Services, Inc. Securities: In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. In Canada, representatives may be sponsored for mutual funds by PFSL Investments Canada Ltd., Head Office: Mississauga, Ontario. Loans: In the United States, loan products are originated through Primerica Financial Services Home Mortgages, Inc., Primerica Financial Services Home Mortgages Limited Partnership of Arizona, and Primerica Financial Services Home Mortgages Limited Partnership of Ohio, EQUAL HOUSING OPPORTUNITY. In Canada, representatives do not offer mortgage broker services, but may refer clients to AGF Trust Company for debt consolidation loans. Primerica DebtWatchers™ : Primerica, representatives of Primerica, Equifax and Primerica DebtWatchers will not act as an intermediary between Primerica DebtWatchers customers and their creditors and do not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by the use of the Primerica DebtWatchers product. See http://my.primerica.com or www.primericacanada.ca for additional Important Disclosures. Lending: In the United States, loan products are offered by Primerica Financial Services Home Mortgages, Inc. through affiliated lenders. EQUAL HOUSING OPPORTUNITY. Please see www.primerica.com for Important Disclosures. Primerica DebtWatchers ™ is a trademark of Primerica, Inc. Products not available for purchase by residents of Washington D.C. US/41376/8.10/v8.0/10PFS142

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