- Primerica is the largest independent financial services marketing organization in North America with over 2 million clients and over 4.3 million lives insured. - Their mission is to help families become properly protected, debt free, and financially independent by providing financial needs analyses and products like life insurance, investments, savings plans, and debt solutions. - Many Americans are struggling with issues like credit card debt, lack of emergency savings, and financial insecurity in retirement, demonstrating the need for Primerica's services.

2. More than 2 million clients maintain investment accounts
with us
Over 4.3 million lives insured through our life companies
Primerica is the largest independent financial services
marketing organization in North America.
Member of the New York Stock Exchange (NYSE)

3. Our Mission:
Help families become
properly protected,
debt free and
financially independent.
Primerica refers to Primerica and its affiliated companies.

4. How We Do What We Do:
We teach people how money works so they can make
informed decisions about how to manage their finances.
We provide a Financial Needs Analysis to give clients
a snapshot of their financial situation.
Primerica offers a variety of products and services
designed to help people get properly protected, get out
of debt and become financially independent.

5. Today’s Financial Crisis
“The average American family carries $8,000 to $10,000 in
credit card debt.”
— CNNMoney.com, April 16, 2009
“Overall, 61% (of survey respondents) said they always or
usually live paycheck to paycheck...”
— CNBC.com, September 16, 2009
“U.S. foreclosure actions shattered all records in 2009
and will do so again this year.”
— Reuters.com, January 14, 2010

6. Today’s Financial Crisis
43% of American workers say they have less than $10,000
in 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, 2009
46% of workers feel “not too confident” or “not at all
confident” that they will have enough money to live
comfortably through retirement.
— Employee Benefit Research Institute 2010 Retirement Confidence Survey

7. Do you have a written program
? to get out of debt and retire
financially secure?

8. 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
interest
72 ÷ 12% 6 years
interest
? How many doubling periods do you have in your life?

9. 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 Million
Rates 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 any
particular investment or savings vehicle. It does not take into consideration taxes or other applicable deductions, which would lower performance. This example uses constant
rates of return. Actual investments will fluctuate in value.

10. “Compound interest is the most powerful force
in the universe.”
— Albert Einstein, as quoted in
Dow 40,000 by David Elias (1999)
“U.S. consumer bankruptcy filings in the first half
of 2010 reached the highest level since 2005.”
— Reuters.com July 2, 2010

11. 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

12. Most People Don’t Plan to Fail,
They Fail to Plan
The Problem: The Solution:
A Financial Needs Analysis
Traditional financial institutions sell
you products; they don’t provide you A complimentary, confidential and
with a total solution. customized program to help you
achieve your goals and dreams.
Mortgage
Credit Cards
Life Insurance
Bank Accounts
YOU Installment Loans
Savings
The FNA Debt Solutions
401 (k) Mutual Funds
provides solutions Income Protection
Savings in these areas:
Accounts Income Management

13. 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? _________

14. 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.

15. If I could help you become financially
? independent more quickly, would you
join me in my business?

16. 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 their
affiliation with a Primerica Company, beginning in 1977. The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “Cumulative
Number 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 categories
are 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 the
sales 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 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.

17. Endnotes
Life insurance is underwritten by the following affiliated companies in these respective jurisdictions: National Benefit Life
Insurance Company, Home Office: Long Island City, NY, in New York; Primerica Life Insurance Company, Executive
Offices: Duluth, GA, in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada, in Canada. Securities
offered by PFS Investments Inc.