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Power Primerica


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We are a Main Street Company working for everyday people

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Power Primerica

  1. 1. The Power of Primerica A Main Street Company Delivering to Main Street Families
  2. 2. The Re-founding of PrimericaFirst Day of Listing on the New York Stock ExchangeTicker Symbol: PRI• More than 200 Institutional Investors in five countries participated in more than 65 presentations about the Primerica business model.• 96% chose to invest in Primerica including 8 of the 10 largest mutual funds in North America• 20 times more demand for shares than supplyView of PRI byInstitutional Investors:• Unique distribution capabilities• Predictable and proven business model• First-class, credible management teamTwo of our Anchor InvestorsWarburg Pincus Baron Capital Management• Private equity firm with offices in the • Founded by Ron Baron in 1982 United States, Europe and Asia • Approximately $16 billion in assets under management• Private equity investor since 1966 • Ron Baron is listed on the Forbes 400 (The 400 Richest• Approximately $25 billion in assets under Americans) and has a net worth of $1.3 billion management “At Warburg Pincus, we look for “Baron Funds invests for the long term in companies that we believe deliver high what we believe are unique, well-financed value products to the consumer. We businesses with open-ended growth opportu- believe Primerica is uniquely posi- nities and sustainable competitive advantag- tioned to be the top financial services es. We are most interested in businesses like distributor in North America.” Primerica that provide products with broad appeal to an underserved market.Michael E. Martin, Partner, Warburg Pincus & Co. and “We like to say, ‘Baron Funds invests in people not just build-Managing Director, Warburg Pincus LLC. ings.’ 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 andEach Primerica company is responsible for its own financial obligations. Baron Retirement Income Fund.
  3. 3. Our Market and MissionWe’re a Main Street Company for Main Street North America!Our mission is to help families become properly protected,debt free and financially independent. Survey says: “Mounting media distrust ... “ Pew Research Center, September 2009 “Americans ... Distrust Wall Street.”, April 9, 2010 “Americans’ Distrust Rampant.” In the U. S. The Sun News, April 23, 2010 3100 Breckinridge Blvd. Duluth, GA 30099 In Canada 2000 Argentia Rd Mississauga, ON L5N 2R7 The solution is YOU, plugged into a Main Street Company you can trust! Primerica, Inc.
  4. 4. What We DoWe help Main Street families get the protectionthey need at a price they can afford.That’s why we sell term insurance 100% of the time: Insured Cause of Death Death Benefit Death Benefit Survived By Before Primerica After Primerica Male, age 41 Motorcycle Accident $150,000 $643,000 Wife & 2 children, ages 6 & 12 Male, age 26 Iraqi Sniper Fire $0 $400,000 Expectant wife Male, age 34 Shot while on $37,000 $550,000 Expectant wife police duty & 1 child, age 3 Female, age 22 Vehicular Accident $0 $250,000 Infant child Female, age 34 Cancer $0 $295,000 Husband & 2 children, ages 4 & 8 Male, age 32 Vehicular Accident $40,000 $200,000 Wife & 3 children, ages 5, 10 & 11 Female, age 50 Pneumonia $80,000 $400,000 Husband & son
  5. 5. We help Main Street families invest for the futureWhile many other financial professionals no longer take on clients with portfolios of less than $100,000, $200,000 or$250,000, Primerica is committed to helping Main Street families invest for the future through mutual funds.1Our minimum to invest: $250 lump sum or monthly bank draft of $25.2Both are among the lowest thresholds in the industry!We teach families fundamental financial principles that We help families eliminate their debt through commonaren’t taught in school: sense debt solutions• Dollar-cost averaging3 We sell only fixed-rate, fixed-term loans.• The Power of Compound Interest • No balloon loans• Bypass the middleman • No ARMS• The Rule of 72 • No interest-only mortgages• And more! • We don’t sell complicated financial products. If you can’t understand it, we don’t offer it! • We don’t change products based on the trends!We don’t follow the fads.We lay a foundation. Other companies Primerica’s companies 1970s Whole Life 100% term life insurance 1980s Universal Life 100% term life insurance 1990s Variable Universal Life 100% term life insurance 2000s Return of Premium/Whole Life 100% term life insurance 2000s ARMS, interest-only loans, balloon mortgages Fixed-rate, fixed-term loans 2000s Complicated derivative investments Professionally managed mutual funds1, viewed on May 20, 2010 2 In Canada, minimum lump sum is $500 for Concert and CommonSense Funds. 3 Dollar-cost averaging does not assure a profit or protect against a loss. Investors should consider their ability tocontinue investing in a declining market.
  6. 6. Our Business Model:Families Helping Families What would an extra $ 500 $ 1,000 $2,000 $4,000 a month mean for your family?*
  7. 7. Step 1: Begin Part Time • Earn while you learn1 • Professional opportunity • Only $99 to join (plus $25/month for Primerica Online support system)2 • No kit or inventory to buy! RL Dan & Angela Ballard Canton, MI Off to a Fast Start Full-time Occupation: Utility Company Clerk These part-time representatives Average Monthly Part-time Primerica Income: $3,145* just started in the business and Dan & Angela earned $11,520 in December 2009! are already having success: “My wife and I have been able to pay off our house and put hundreds of thousands of dollars in retirement accounts because of our Primerica income. I’m able to make RL Navdeep Gill as much money working 10 hours a week at Primerica as I can working 10 hours a Brampton, Ontario day at my full-time job!” Full-time Occupation: Department Store Supervisor RL Eric & Dawn Arksey Life Licensed: April 16, 2010 Maple Ridge, British Columbia Navdeep earned $2,933 in her first Full-time Occupation: Photographer/Entrepreneur licensed month in the business.* Average Monthly Part-time Primerica Income: $1,309* “I believe Primerica will help me become finan- Eric & Dawn earned $2,308 in March 2010! cially stable. Because of Primerica, my husband “The biggest thing we’ve been able to do because of our Primerica part-time in- and I now have the chance to live our dream life come is to replace Dawn’s income. Now, she can give our family the attention she and provide a better future for our kids.” wanted to. Plus, we have a nice savings buffer so when things like our son’s recent ski trip come up, we don’t have to stress about how to pay for them.” RL Jeffrey Herron Thorsby, AL RL Chris & Cat Melendy Full-time Occupation: Youth Pastor Middleboro, MA Life Licensed: April 14, 2010 Full-time Occupation: Firefighter Jeffrey earned $3,098 in April, his Average Monthly Part-time Primerica Income: $4,385* first licensed month.* Chris & Cat earned $10,664 in January 2010! “I plan to use my Primerica income to take “Because of Primerica, we’ve been able to go on family vacations every year. my family on vacation, start planning for our We now have an emergency fund and are fully funding an IRA each year. Best future and pay off our home. I love that this of all, we can now pay cash for everything. Before Primerica, when we went on business allows me to meet the financial needs vacation, we’d have to save for a year before we left and then still end up putting of families in my community, while earning a the trip on our credit cards. Now, we don’t have to do that. It’s an amazing feel- great income!” ing! I wish we’d have found out about Primerica 10 years sooner!” DIV Kim & Jason Howell SRL Monique & Gary Carter Kingsburg, CA West Bloomfield, MI Full-time Occupation: Bookkeeper Full-time Occupation: Real Estate Broker Life Licensed: February 23, 2010 Average Monthly Part-time Primerica Income: $2,304* Kim & Jason earned a total of $5,930 Monique & Gary earned $4,893 in April 2010! from February through April!* “A couple of years ago, when the market slowed down, I was working 90 “Jason’s been out of work for a few months, so hours a week but was still on the verge of losing my home, my business our Primerica income is getting us back to a and my income. I saw the Primerica part-time opportunity as a chance to ‘comfortable’ level again. We’re starting to pay supplement my full-time income while helping other people like me get down some of our debt and to do some of the back on track financially. I love being a part of this company!” small home improvements we’ve been putting off because we couldn’t afford them. For the first time in a long time, I truly believe our life can be different than it has been!”1 In Canada, the part-time opportunity is not available in all jurisdictions. Where available, it is subject to cer-tain restrictions. 2 In Canada, add applicable taxes.* Average part-time incomes are based on the average of the 12 months ending April 30, 2010.See Important Earnings Disclosure on back page.
  8. 8. Step 2: Build Your Business as an RVP (Regional Vice President)• Which Would You Rather Have? Your Life Revolves Around Your Job Your Job OR Your Business Revolves Around Your Life Your Life
  9. 9. Meet some full-time Primerica representatives: SVP Todd & Alisa Greer Houston, TX Former Occupation: Medic RVP Miranda & Marco Boyce Former Income: $30,000 Las Vegas, NV Primerica Income: $392,048* Former Occupation: Todd & Alisa left corporate America in 2001. Because of Primerica, Restaurant Services by the time they were 30 years old, they’d socked away $500,000! Former Income: $25,000 “We have a great life because of Primerica. We’re able to be the ‘go to’ people for our Primerica Income: $178,276* family. Our kids go to the best schools, we’re able to help our family out financially and we live in a nice house. But, more than ‘things,’ our Primerica income hasallowed us to do what we’re most passionate about – helping people! We give thousands of dollars to different Miranda & Marcocharities each year. Those charities are what make us work harder, so we’ll be able to do more.” were living paycheck RVP Susan & Art Carreon to paycheck before Riverside, CA Former Occupation: Merchandiser Primerica. Their life Former Income: $16,000 Primerica Income: $255,072* now is “incredible.” Susan & Art earn an average of $21,256 each month! “Because of Primerica, I was able to retire my husband at age 40 from corporate “Marco and I were both in the restaurant America. He’s been with me full time in the business for nearly 10 years now. We industry before Primerica. We were never were able to send our youngest daughter to college without incurring any taught financial concepts so we didn’t know debt. Now she and her two sisters are in the business with us. We love being able to any thing different than how to live paycheck grow our business as a family!” to paycheck. Primerica inspired us to think differently. Being in this environment, RVP Ketan & Smita Parekh becoming financially educated and earning a Akron, OH great income while helping others learn how Former Occupation: Manufacturing Manager money works has been an incredible jour- Former Income: $50,000 ney. Because of this company, we’ve been able Primerica Income: $214,060* to invest a great deal of money and build up Ketan & Smita started the business part-time in 1993. Nine months our savings. We have a great quality of life!” later, Ketan fired his boss and went full time in Primerica. “We feel so blessed to be a part of this business. Primerica has truly given us freedom! My wife was able to quit her job, early on, and stay at home with our 12- and 8-year-old. When we found out we were expecting our third child 18 monthsago, our Primerica income enabled us to really enjoy the surprise. We never had a conversation about how we wouldafford another child. It’s such a great feeling to not worry about things like that. We’ve also been able to do otherthings like travel and purchase a home for my parents in India. It’s a great life!” RVP Kari Thompson & Tabre McCafferty Pickering, Ontario Former Occupation: Homemaker/Student Former Income: $0 Primerica Income: $102,059* Kari & Tabre joined Primerica in 2000. Their business is a great example of how the Primerica system really works. “A few months ago, we were in Hawaii and I got hit by a strong wave while boogie- boarding. It broke my back and I was in bed recovering for several weeks. What’s so incredible about the Primerica system is I never had to worry about my income orwhether or not my business would still be OK while I was out. Even now, when I miss time in the office for doctorvisits or for physical therapy, our team picks up the slack and keeps our business growing!”*See Important Earnings Disclosure on back page.
  10. 10. We Are an Innovative CompanyPrimerica representatives are in business FOR themselves but not by themselves.We develop cutting-edge and award-winning technology to simplify a rep’sbusiness and give them more time to build.TurboApps Allows Primerica reps to Video Email Allows representatives to We utilize technology toprocess applications – paper free from a send a variety of approved recruiting support and build people,handheld device! videos via email not to replace people!Primerica Ring Interact with Client Account Manager* Powerfulclients and teammates through client reporting tools and investmentvideo collaboration research toolsPrimerica Online A built-in Portfolio Solutions* Representativesentrepreneurial support system can create a professional sales presentation in less than threeBuilders Track System and Scoreboard minutes with pre-loadedOnline activity system allows new Ibbotson Model Portfoliosrecruits to get off to a fast start*For use by securities-licensed reps only.
  11. 11. The FutureToday: Primerica is the largest independent financial services marketing organization in North America.The Future: We’re exploring new ways and new products to help us help Main Street families.Expected Results: Gigantic growth in distribution “Primerica is poised for tremendous growth. Our goal is to dramatically increase the size of our distribution force and have tremendous growth in the number of $100,000 earners in our company. We are a truly unique company at a unique moment in our company’s growth. If you’re looking for something better in your life and desire financial freedom and a better quality of life for your family, I believe Primerica is the place for you!” John Addison Co-CEO, Primerica, Inc.Primerica 2010Re-founded PRI as a “new” public company with a 33-year provenbusiness modelMain Street families are more confused than ever.Main Street families have more financial problems than ever.Main Street families NEED Primerica more than ever.
  12. 12. NOW is the time to join Primerica. Freedom Lives Here TM www.primerica.comImportant Earnings Disclosure The cash flows stated are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flowsthat have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flowlevel. Most RVPs/representatives do not achieve the levels illustrated. In the 12-month period ending in December 2009, Primerica’s sales force consistedof approximately 100,000 life-licensed representatives, to whom the Company paid a total of $515,691,076 in compensation, an average of $5,156 perlicensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of arepresentative’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.In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY; 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.In the United States, securities are offered by PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. In Canada, representatives may besponsored for mutual funds by PFSL Investments Canada Ltd., Head Office: Mississauga, Ontario.In the United States, loan products are offered by Primerica Financial Services Home Mortgages, Inc., through affiliated lenders. Please see www.primerica.comfor Important Disclosures. In Canada, Primerica does not deal in mortgages, Primerica Representatives refer clients to AGF Trust Company.© 2010 Primerica / 41047 / A9134 / 7.10 / 10PFS243