Opportunity of a lifetime. Part time. Side hustle. Career. Business. 6-figure. Beach money. Money while you sleep. Passive Income. Financial Freedom. John Gamboa

1. 1

2. BE YOUR OWN BOSS
Do Any Of These Apply To You?
• NEED EXTRA INCOME
Most side hustlers are looking to make extra income to make ends meet
or to have more money to spend or save.
Side Hustle Nation
• WANT TO ACHIEVE FINANCIAL FREEDOM
Almost half of side hustlers want to have time and money freedom.
Side Hustle Nation
• BUILD A PASSIVE INCOME STREAM
Almost half of the people who have side hustles started because they
could have a passive income stream
Zapier

3. HUGE NEED FOR SOLUTIONS
Families Across America Have:
• TOO MUCH DEBT
Seventy-four percent of workers report living paycheck to paycheck.
MarketWatch.com, “A Shocking Number of Americans Are Living Paycheck to Paycheck,” January 11, 2020
• TOO LITTLE SAVINGS
Nearly 60% of Americans say they worry more about running out of
money in retirement than death.
Kiplinger.com, “Are You Still Chasing the Almighty Dollar, Even Though You Have Plenty to Retire?” March 5, 2022
• NOT ENOUGH INCOME PROTECTION
Over a hundred million households have no life insurance coverage at
all – or have less coverage than they need.
LIMRA.com, 2022 Insurance Barometer Study

4. 4
THE NEEDS CREATE OPPORTUNITY
Invest for
the Future
Reduce &
Eliminate
Debt
Plan for the
Unexpected
+ +
BUILD A BUSINESS AND PROVIDE PROVEN
FINANCIAL SOLUTIONS

5. 5
WE HAVE THE RIGHT OPPORTUNITY
SYSTEM NO RISK TOOLS &
TRAINING
+ +
FOR THE RIGHT PERSON IT’S THE BEST

6. Highly Respected
20 Years Running

7. Not all products and services are available in all states, territories, or the District of Columbia. A representative’s ability to offer products from the companies listed is subject to state and
federal licensing and certification requirements. Please refer to Important Endnotes at the end of presentation for detailed disclosures.
AUTO& HOME
SOLUTIONS
ANNUITIES
401
(k) PLANS
LIFE
INSURANCE
MANAGED
ACCOUNTS
LEGAL &
IDENTITY
PROTECTION
MORTGAGE
LOANS
SENIOR
HEALTH
MUTUAL
FUNDS
Primerica Life
Insurance Company

8. 8
Biggest reason is…
We weren’t taught HOW to
become wealthy.
We graduate high school
or college without a map
or plan (GPS) to financial
success.

9. ACTIVE
UPFRONT
$
PASSIVE
RECURRING
$$
LEVERAGED
$$$

10. Kent, WA
Barber
Jeff & Steph Irons
10
Great Part-Time Income
Average Monthly Cash
$4,017
Lombard, IL
Business Owner
Erica & Willie Ezell
$5,099
Average Monthly Cash
San Antonio, TX
Office Manager
Elizabeth Salas
$2,876
Average Monthly Cash
From January 1 through December 31, 2021, The Company paid cash flow to its North American sales force at an average of $8,410, which includes commissions paid on all
lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange
rates.

11. We Give You Have A Chance
From January 1 through December 31, 2021, The Company paid cash flow to its North American sales force at an average of $8,410, which includes commissions paid on all
lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange
rates.
Burbank, CA
Former Barber & Student
Rob & Grace Dado
$147,494
American Canyon, CA
Former Ambulance Marketer
Leandro & Sheryl Munoz
$269,832
Paramus, NJ
Former Investigator
Luis & Kendall Zuniga
$140,435
2022 2022
2022

12. Long Beach, CA
Former IT
Gus & Daisy Tonsay
$308,207
This Could Be Your Opportunity
Miami, FL
Former Restaurant Operations
Yare Perez &
Ben Rivasplata
$308,718
Albert Dodd
$329,719
From January 1 through December 31, 2021, The Company paid cash flow to its North American sales force at an average of $8,410, which includes commissions paid on all
lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange
rates.
Orlando, FL
Former Teacher
2022 2022 2022

13. Northridge, CA
Former Student
Abraham & Gaby Montiel
$377,761
13
Tulsa, OK
Former Entrepreneur
Emmanuel & Summer Earls
$314,036
Atlanta, GA
Former Industrial Engineer
René & Mel Turner
$369,511
References to various milestone achievements and levels of success, including the status of Million Dollar Earner, involve sales force representatives who have achieved
extraordinary levels of cash flow during their careers. Personal cash flow levels fluctuate and these achievements do not reflect earnings of typical representatives. From
January 1 through December 31, 2020, The Company paid cash flow to its North American sales force at an average of $7,198, which includes commissions paid on all lines of
business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.
Join Us On This Extraordinary Journey
2022
2022 2022

14. 14

15. Take the Next Step

16. Independent Business
Application (IBA) $99
Application Value Includes:
• State Application
• Exam Fee
• Processing Fees
• Appointment Fee
• Fingerprint
Typical Cost to Become Life Licensed: $399*
*Costs vary by state. Average licensing costs are $193. Average costs for pre-licensing education
are $206 for life only and $248 for life and health.
The Ultimate Business
Support System
$25
MONTH
Technology Support Package Value Includes:
• Your personal back office support.
• Your own website, CRM, & business reports: $50/mo.
• Live and on-demand video training: $55/mo.
Total Value: $105+/month
Additional Potential Value Includes:
• Exam Fee: $450
• Exam Prep Course: $150 to $200
Securities License Total: Approximately $600*
Morningstar financial analysis software: $625/mo.**
*Reimbursement of securities licensing costs is subject to meeting program
requirements, including a full-service POL subscription and pre-study and licensing
requirements. Not all licensing fees are covered. Please refer to the Securities
Licensing tab on POL for additional information.
**Must be securities licensed.

18. 18

19. 19

21. FIRM
PRACTICE AGENCY
(Other Doctors Work with Them) (Other Lawyers Work with Them) (Other Agents Work with Them)
Common Business Models

22. From Day One
You can REFER all these services:
25
AUTO & HOME
(Active & Passive Income)
LEGAL SERVICES
(Active & Passive Income)
HOME SECURITY
(Active Income)
SENIOR HEALTH
(Active Income)

23. $84 Mo. Premium x 12 = $1,000.00 (Annual Premium)
REPRESENTATIVE 25% = $250
SR. REPRESENTATIVE 35% = $350
DISTRICT LEADER 50% = $500
DIVISION LEADER 60% = $600
REGIONAL LEADER 70% = $700
SR. REGIONAL LEADER 80% = $800
REGIONAL VICE PRESIDENT 110% = $1,100
Active/Upfront
Income

24. Active & Passive
Income
+
Leveraged
Income
LIFE INSURANCE & INVESTMENT LICENSED
$2,286
Active & Passive
Income
$2,565
Leveraged
Income
$4,851 TOTAL CASH
Building Passive & Leveraged Income Provides Incredible SECURITY
The personal income example of $2,286 assumes 3 sales of the life product and 1 sale of the investment product, each as specified in the “John & Mary” example
(Slide 38). The override income example of $2,565 assumes 15 life sales identical to the personal example. Life commissions cash flow includes 75% advance of 1st
year commission and is subject to deferred compensation withholding. Assumes all products remain in force for 12 months. Cash flow includes amounts that are
received over 12 months. Please refer to Important Endnotes at the end of presentation for detailed disclosures.
From January 1 through December 31, 2021, Primerica paid cash flow to its North American sales force at an average of $8,410, which includes commissions paid
on all lines of business to life licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not
adjusted for exchange rates.

25. Active, Passive, &
Leveraged Income
+
Bonuses & Stock Awards
Royalties for
Promoting RVPs
REGIONAL VICE-PRESIDENT (RVP)
$3,593
Active & Passive
Income
$4,546
Leveraged
Income
$816 Base Bonus
$8,955 TOTAL CASH FROM
MONTH’S SALES
OR $107,460IN A YEAR
Annual cash flow assumes the same level of sales over a 12-month period.
The hypothetical income examples assume the sale of the products specified in the “John & Mary” example (Slide 38). Life Bonus is based on 69% QBI
and 10% Base Shop Bonus Rate. Assumes average commissionable premium per policy of $855.
Life commissions cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. All cash flow assumes all
products remain in force for 12 months and that amounts are received over 12 months from sale activity. Please refer to Important Endnotes at the end of
presentation for detailed disclosures.
From January 1 through December 31, 2021, Primerica paid cash flow to its North American sales force at an average of $8,410, which includes
commissions paid on all lines of business to life licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned
by the representative, not adjusted for exchange rates.

26. 29
THE POWER OF THE RVP CONTRACT

27. The Benefits of Ownership:
Secure your family’s future should something happen to you.
Create a business that can be handed down generation to generation.
Build a legacy for your family.
PROMOTE 3 RVP’s = SENIOR VICE PRESIDENT ($300,000/yr) = OWNERSHIP
Ownership refers to the conditional right of an eligible RVP to transfer his or her code number to another eligible RVP, subject to the consent of Primerica and subject to terms,
conditions and regulatory requirements. The Ownership Program Document and policies located on POL control in all respects.

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29. • The Leaders Will Guide You
Every Step of the Way
• Attend Weekly Trainings
• Earn Field Training Bonuses
• Build Towards Promotions
• Complete Your Pre-Licensing
• Study Materials, Quizzes/Practice
Exams, and Live Study Webinars
Available Online
• Be Curious, Ask Questions, and
Study