Minority Wealth Gap Event Promotes Digital Reputation
1. WELCOME EVERYONE!
Minority Wealth Gap
www.minoritywealthgap.org
Los Angeles
October 7, 2023
Tech4 Good
Event in
Partnership
with TechSoup
2. Proprietary
03 Primerica
Linda Lightfeldt
02 Tarzana Treatment Centers College
Lydia Kakooza
01 Blue Ocean Technology & Girl Power
Sameer Somal
Agenda
04 Minority Wealth Gap
Jackie Senkandwa
3. SAMEER SOMAL
BLUE OCEAN GLOBAL TECHNOLOGY
Sameer Somal is the CEO of Blue Ocean Global Technology and co-founder of Girl Power Talk.
He is a frequent speaker at conferences on digital transformation, online reputation
management, diversity & inclusion, relationship capital and ethics. Fundamental to his work at
Blue Ocean Global Technology, Sameer leads collaboration with an exclusive group of PR, Law
and Management Consulting agency partners. He helps clients build and transform their digital
presence. Sameer is a published writer and an Intellectual Property, Trademark, and Internet
Defamation subject matter expert witness. In collaboration with the Philadelphia Bar Foundation,
he authors continuing legal education (CLE) programs and is a member of the Legal Marketing
Association (LMA) Education Advisory Council. Sameer serves on the national board of Future
Business Leaders of America (FBLA). He is an active member of the Society of International
Business Fellows (SIBF) and a CFA Institute 2022 Inspirational Leader Award recipient.
5. Proprietary
Attendee Learning Objectives
• Understand the importance of proactive Online Reputation Management (ORM).
• Provide an overview of building, repairing and monitoring your digital presence.
• Review practical tips for a successful digital transformation & impactful online
reputation.
5
7. Proprietary
“The average lifespan of a company
listed in the S&P 500 has significantly
decreased from 67 years in the 1920’s
to 15 years today.”
-Richard
Foster
Yale University
The Lifespan of an S&P 500 Company
7
11. What is
Reputation?
Comprised of impressions emotions and perception, a reputation can
be defined as the estimation in which a business, person or thing is
held by a particular community or the public at large.
11
12. Proprietary
“Identity will be the most valuablecommodityfor citizensin
the future, and it will exist primarily online.”
―Eric Schmidt, Google
Reputations Are Everything
12
13. Proprietary
• The emergence of social media allows negative comments to be
shared and circulated among large numbers of internet users. The
confidence of existing and prospective clients depends on positive
press.
• Businesses and individuals must take proactive measures to
prevent and address unfavorable or defamatory content.
Online Reputation Management (ORM)
13
14. Proprietary
• Burson-Marsteller, a leading global public relations
and communications firm, found that 95% of
CEOs surveyed believe that corporate reputation
plays an important or very important role in the
achievement of business objectives.
• Only 19% of these same executives had a formal
system for measuring the value of their corporate
reputation.
Why is ORM Important?
14
16. Proprietary
Why Your Personal Digital Reputation Matter?
According to social learning theory, individuals can learn
how to behave properly by observing the behaviors of
role models. Specifically, observers can learn what
behavior is expected, rewarded, and punished via role
modeling. In organizations, leaders are a significant and
likely source of such modeling due to their assigned
role, their status and success in the organization, and
their power to affect the behavior and outcomes of
others
16
17. Proprietary
• Successful firms understand that an increasing number of new clients will
resort to online research to evaluate their capacity for representation.
• Almost everyone relies on the opinions of through word-of-mouth or what they
find online through google and your website.
Improve Your Online Reputation
Your Online Reputation is a Valuable
Asset.
17
20. Proprietary
• People & companies grow and achieve results through their
reputation.
not just
critical
• Digital presence and online communications
are components of a reputation,
they have
quickly become the
foundation for survival and
growth.
Perspective on Digital Reputation
20
23. Proprietary
Online Reviews Serps Brand Awareness
So cial Engagement Google
My
B
u
siness Digital Real
Estate
Keyword Res earch Media
Content
ROI & Analytics
Digital Reputation
23
24. Proprietary
• Build: Noah’s rule - "Predicting rain doesn't count; building arks does".
• Build your online reputation through digital assets, strong profiles,
SEOand thoughtful marketing.
• A strong online web presence mitigates the impact of negative posts and
drives sustainable growth in revenue.
Build
24
25. Proprietary
• Website
• Blog
• Microblogs
• Forums
• Interviews
• Guest blogging
• Webcast
• Podcast
• Bookmarking
sites
• Social media
Digital Assets: Your Online Presence
25
27. Proprietary
• High-quality, unduplicated content on a law firm’s website blog has
a significant impact on SEO and search engine ranking.
• High-qualityarticles,blogs,and socialmedia updatesencourages
client and prospect engagement.
• Readerswill pause to consume the content, understand the
educational message and consider commenting, liking and
sharing.
High-Quality Content
27
28. Proprietary
• Social media has become one of, if not the most effect tool for sharing
information Active posting of pictures or links across popular social media
communities, such as LinkedIn, Facebook, Twitter, and Google+ will help direct
traffic to your website.
• According to a recent survey, “54% of people will visit the website after reading
positive reviews and 73% of consumers think that reviews older than 3 months
are no longer relevant.
• Social media plays a very crucial role for companies to combat negative
reviews.
Active Social Media Presence
28
30. Proprietary
• Review the online issue and determine if this is a one-time issue or
if it has the chance to become an ongoing or long-term problem.
• When negative posts from a dissatisfied customer, ex-employee or
legal matter affect a business or individual’s online reputation,
repair work must begin immediately.
Repair
30
31. ORM Repair
Issues
• Competitor stratagems
• Consumer feedback
websites
• Court case filings
• Defamation bloggers
• Embarrassing images &
videos
• Erroneous information
• Erroneous profiles
• Legal documents
• Mistaken identity
• Name changes
• Negative news or
editorials
• Purported scam reports
• Past employee slander
• Scandals
• Slander & hate websites
31
34. Proprietary
• Former Miami Gulliver Preparatory School headmaster,
Patrick Snay sued the school for age discrimination after his
contract was not renewed in 2010.
• In November 2011, the case was settled for $80,000 with a
confidentiality agreement.
• Unfortunately, Snay shared this confidential information with
his daughter.
Case Study: Snay v. Gulliver Preparatory School
34
37. Proprietary
• Once positive profiles for the law firm and its attorneys attain top ranking on
Search Engine Results Pages (SERPs), we transition from the Build stage to
the Monitor stage.
• We actively monitor client online reputation to maintain preferred search
rankings.
• We regularly promote, post updates and share new content.
Monitor
37
42. Proprietary
• A positive reputation management and
crisis
budget is important to communicate effectively.
• Updates, including press releases,
promotional
advertising, and digital assets that can be found on search engine results
require an investment in time and resources.
• Your online reputation is a strategic asset.
Allocate
Resources
42
43. Proprietary
• Technology should not dictate a company’s strategic vision.
Organizations need to innovate, change, and follow a flexible
strategy— not a laser-like, rigid plan.
• Technology has never been more critical to the growth and
sustainability of a business. A rapidly changing technology
landscape necessitates technology planning.
Be
Flexible
43
45. Proprietary
• Integrate PR Decisions and Resource
Allocations
• Balanced Communication
• Prepare for Crisis & Plan for Reputation
Repair
• Manage Risk & Consider Ramifications
• Respond with Care & Diplomacy
Quick ORM Tips
45
46. Proprietary
• Reputations are everything: our life opportunity set is a function of
our reputation.
• By its very definition, reputation is an intangible, ambiguous and
complex concept. 30 years ago, news and information was
mostly printed in newspapers and shared on nightly evening
news.
• Digital reputation is quickly become the foundation for survival
and growth.
Conclusions
46
47. Proprietary
“It takes 20 years to build a reputation and five minutes to ruin it. If
you think about that, you’ll do things differently.”
-Warren Buffet [1930 –
present]
Chairman & CEO, Berkshire
Hathaway
This presentation is for educational purposes only. Under no circumstances should the information provided herein be relied upon as investment advice.
Long Term Perspective
47
49. Lydia, is Currently the Behavioral Health Educator/Outreach Coordinator for the
Substance Use Disorder and Tuition Incentive Program (TIP), at Tarzana Treatment
Centers College (TTCC) located in Woodland Hills.
She has an MBA with a concentration in Health Care Management and has also
studied internationally in India, Scotland, and the United Kingdom.
Her prior experience includes:
Working for the United Nations as a
o UN Humanitarian Worker & UNWFP Representation
o Nutrition Officer responsible for Pregnant and Lactating Women as well
as Children under 5 with focus on the World Food Therapeutic feeding
program saving over 50,000 lives during the South Sudan Civil war in
2013-2014
Working for Food Program in East Africa for several years holding different
positions, roles and responsibilities.
Her passion for working with people in need has led her to working with Tarzana
Treatment Centers, a Behavioral HealthCare Organization that cares for Substance
Use Disorder, Mental Health, Drug and Alcohol for Adults and Youths.
LYDIA KAKOOZA
TARZANA TREATMENT CENTERS COLLEGE
52. Proprietary
TIP
OVERVIEW
TIP is a program where we have partnered with the Los Angeles, Department
of Public Health, Division of Substance Abuse Prevention and Control (DPH-
SAPC), to help recruit dedicated community members interested in
becoming a Certified Substance Use Disorder Counselor (SUD). TIP provides
an amazing opportunity to develop essential skills needed to be part of one
of the fastest growing healthcare fields in the US.
The goal of TIP is to expand quality employment opportunities that build
upon an individual's unique lived experience, while increasing the
availability of registered and certified SUD counselors, who can support
effective, long-term recovery for those affected by substance use .
For Individuals who apply and are accepted into the program, we
will:
- Cover enrollment tuition and registration fees
- Provide linkages and support to ensure student
success.
- Connect you to a variety of SUD treatment
agencies to complete practicum requirement
53. Proprietary
APPLICATION
PROCESS
Complete TIP
application and
confirm that you
can provide a copy
of High School
Diploma
Complete an
interview with
TTCC Student
Services
If accepted, you will
need to submit all
Enrollment
documents to start
program
Acceptance
Letters will be
sent out
Cohort begins
1.APPLY 2.INTERVIEW 3.ACCEPTANCE
TTCC
4.ENROLLMENT 5.PROGRAM START
55. Proprietary
ELIGIBILITY
REQUIREMEN
TS
Submit a copy of your High School Diploma/GED/
Bachelors Degree or transcripts during enrollment
Submit copy of current government issued
identification card
Submit copy of COVID-19 vaccination card that
reflects applicants up to date vaccinations
Live in Los Angeles County
Cannot be a current registered or previously
registered SUD Counselor. First time registrants
only!
56. Proprietary
ACCELERATED
PROGRAM
HYBRID COURSEWORK INTERNSHIP
SUD COUSELOR PROGRAM
• Courses are offered online
with 1-2 in person events
• Six (6 ) month program to
earn certification.
• Requires a minimum of 10
hours of coursework a week
• Eight (8) total courses
• SUD 100 course is required
to assist students success in
program
• Total of 255 supervised
hours required.
• TTCC assists students with
internship placements.
57. Proprietary
PROGRAM COURSES
SUD 108 Supervised Fieldwork Practicum (Internship)
COURSE TITLE
SUD 101 Introduction to Addiction Theory and Practice
SUD 102 Physiology and Pharmacology of Alcohol and Other Substances
SUD103 Law and Ethics
SUD 104 Case Management and Patient Navigation
SUD 105 Individual, Group, and Family Counseling
SUD 106 Personal Growth and Professionalism
SUD 107 Supervised Practicum
65. Linda graduated cum laude from the University of South
Florida with a Bachelor's in Finance and a minor in
Economics. She has had varied careers in the medical
field as a Respiratory Therapist, and as an educator for
Los Angeles Unified School District. She has spent the
last 20 years as a financial representative with Primerica,
helping families to become properly protected, debt free,
and financially independent. In addition, helping her
team become successful is another thing she loves about
the business. Everything in her life has been about
helping others.
The love and support of her family has always come first-
-Neal, her husband, and children Emily and Justin. A
recent addition to the family is grandson Weston.
LINDA LIGHTFELD
PRIMERICA
67. Proprietary
We Believe A Financial Education
Should Be Free
?
If I die
prematurely,
what
becomes of
my family?
?
Can I
ever truly
become
financially
secure?
Ask yourself…
67
How much
money is
enough to
retire?
What if I got
started late?
?
How can I
save for the
future when
I have so
much debt?
?
68. Proprietary
You Have the Power to Become
Financially Independent
You don’t need to earn a six-figure income
to become financially independent.
You don’t have to have a high-level job
with a big salary.
You don’t have to receive a large
inheritance or win the lottery.
68
69. Proprietary
You Have the Power to Become
Financially Independent
You can get out of debt.
You can build savings.
You can get on the path to financial
independence.
69
71. Proprietary
• Pay Yourself First
• Know Your Financial Independence Number
• Adjust Your Priorities
• Change Your Thinking
• Adjust Your Lifestyle
• Earn Additional Income
• Realign Your Assets
• Avoid the Credit Trap
• Set Goals and Have a Plan
Take Control
71
72. Proprietary
BUT YOU CAN CONTROL
Saving for Retirement
Other Sources of Income
Ways to Reduce Your Taxes
Maximizing Your Savings
Saving More
Diversity of Your Investment Choices
YOU CANNOT CONTROL
The Future of Social Security
Your Employer
Taxes
Inflation
Rising Costs
The Risk of a Single Investment
Diversification does not assure a profit or protect against loss.
Who wouldn’t like to retire early?
Retirement is an amount of money, not an age.
Control The Things You Can
72
73. Proprietary
List your
goals.
Describe
them in detail
whether
they’re big or
small, current
or future.
Get
personal.
Write down
why you’re
motivated to
achieve it.
Prioritize
your list.
Which are
easier? More
attainable?
Do the
math.
How much
money do
you need to
save?
Create a
timeline.
This will help
you stay on
track.
Goal Setting Tips
73
75. Proprietary
As each debt is paid off, you apply the amount you were paying toward that
debt to the payment that you were making on the next target account.
Debt Stacking
75
This 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 paid off all of the
debts in your plan. In the example above, when Retail Card 1 is paid off, the $220 payment applied to Retail Card 1 is applied to Credit Card 2,
accelerating its payment to $573. After Credit Card 2 is paid off, the $573 payment applied to Credit Card 2 is applied to the 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.
76. Proprietary
This 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 paid off all of the
debts in your plan. In the example above, when Retail Card 1 is paid off, the $220 payment applied to Retail Card 1 is applied to Credit Card 2,
accelerating its payment to $573. After Credit Card 2 is paid off, the $573 payment applied to Credit Card 2 is applied to the 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.
CATEGORY
WITHOUT
DEBT STACKING
Payoff 24 Years 9 Years
Interest Avoided $0 $130,050
Interest Paid $212,164 $82,114
Monthly Payments $2,720 $2,720
WITH
DEBT STACKING
15
Years
Sooner
The Power of Debt Stacking
76
77. Proprietary
BUY THE
RIGHT KIND
OF LIFE
INSURANCE
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
78. Proprietary
How much is
your car worth?
Do you insure it?
How much is
your house worth?
Do you insure it?
How much is
your life worth?
Probably a lot more than
your car or your house!
Can you afford NOT to insure your life?
The Importance of Life Insurance
78
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
79. Proprietary
What’s its
purpose?
Income
Protection
What should
you buy?
Inexpensive Term
Life Insurance*
Who should
buy it?
People with others
depending on them
?
? ?
What You Should Know
About Life Insurance
79
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
*Term insurance provides a death benefit and its premiums increase after initial premium periods and at certain ages.
80. Proprietary
Today
•Young children
•High debt
•House mortgage
Loss of Income
Would Be Devastating
At Retirement
•Grown children
•Lower debt
•Mortgage paid
Retirement Income
Needed
HOW LIFE WORKS
The Theory of Decreasing Responsibility
80
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
81. Proprietary
It is an
expensive form
of life insurance,
and typically
provides less
coverage for
your family.
You have
to borrow
your own
money.
It typically has
a low rate
of return.
You lose your
cash value if you
die, with
traditional
policies.
In certain plans only, you
can get your cash value
IF you pay extra fees.
Four Problems with
Cash Value Life Insurance
81
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
Cash value life insurance can be universal life, whole life, etc., and may contain features in addition to death protection, such as dividends,
interest, or cash value available for a loan or upon surrender of the policy. Cash value insurance usually has a level premium for the life of the
policy. Term insurance provides a death benefit only and its premiums increase after initial premium periods and at certain ages.
82. Proprietary
INDEXED UNIVERSAL
LIFE INSURANCE
BUY TERM AND
INVEST THE DIFFERENCE
IN A ROTH IRA
John
Age 35
Mary Monthly Cash Value
Age 35 Premium at Age 65
$300,649
$127,051
$88
term
insurance
premium
$163
@ 9%
invested
in a
Roth IRA
John Mary Monthly Investment
Age 35 Age 35 Spend at Age 65
Indexed universal life insurance (IUL) premiums and
cash value may vary based on a number of factors and
guaranteed and non-guaranteed assumptions. Hypothetical
IUL policy premiums and cash value in this example are
based on an average monthly premium from five insurance
companies for male and female (both age 35 and standard
risk) and assume an indexed interest rate of 5.21%, non-
guaranteed. IUL policies may have benefits such as interest
or cash value available for a loan or upon surrender of the
policy.
Monthly premium for term life policy is an average of term
life policies from four major North American life insurance
companies for male and female, both age 35 and standard
risk, 30 year term. Term insurance provides a death benefit
only and its premiums increase after initial premium
periods and at certain ages.
Hypothetical investment assumes a constant 9% rate of
return, compounded annually, and is not indicative of any
specific investment. Any actual investment may be subject
to taxes and fees, which would lower performance. This
example shows a constant rate of return, unlike many types
of investments which will fluctuate in value. It is unlikely
that an investment would grow 9% or more on a consistent
basis. Investing entails risk including loss of principal.
$250,000 $250,000
Face Face
Amount Amount
$250,000 $250,000
Face Face
Amount Amount
$251
SAME
$251
Which Program Would You Want?
82
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
83. Proprietary
The Three “Nevers” of Buying Life Insurance
NEVER
buy any kind of “cash
value” or whole life
insurance, including
universal life.
NEVER
buy life insurance
as an investment.
NEVER
buy a life insurance
policy that pays
dividends.
OUR PHILOSOPHY:
83
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
84. Proprietary
What the Experts Say
In my opinion, there is only one kind of life insurance that makes
sense for the vast majority of us: term life insurance.
Suze Orman, The Road to Wealth: A Comprehensive Guide to Your Money, 2009
84
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
Term insurance is pure protection, like fire insurance or auto
insurance, its sole function is to support your family if you die. You
can buy large amounts of coverage for modest amounts of money —
and big policies are what your spouse and children need.
Jane Bryant Quinn, Making the Most of Your Money Now, 2009
85. Five Legitimate Reasons
That Stop People from Going into Business for Themselves
There’s no big
investment to
get started.
DON’T HAVE
THE CAPITAL
You can start
part time.
DON’T HAVE
THE TIME
More than 45-
year track
record. Learn
as you go.
LACK THE
KNOWLEDGE
Raise value in
the marketplace
(Licenses).
TOO MUCH
RISK
There’s no risk
to your current
career.
FEAR OF
FAILURE
1 2 3 4 5
85
Primerica has removed the barriers to entry.
Please refer to Important Endnotes at the end of presentation for detailed disclosures.
86. 86
Independent Business
Application (IBA)
$99 The Ultimate Business
Support System
$25
MONTH
Application Value Includes:
• State Application
• Exam Fee
• Processing Fees
• Appointment Fee
• Fingerprint
Typical Cost to Become Life Licensed: $413*
*Reimbursement of securities licensing and other related costs is subject to meeting
program requirements, including a full-service POL subscription and pre-study and
licensing requirements. Not all licensing-related fees are covered. Please refer to the
Life and Securities licensing tabs on POL for additional information.
Please refer to Important Endnotes at the end of presentation for detailed disclosures.
*Costs vary by state. Average licensing costs are $149. Average costs for pre-licensing
education and exam prep are $206 for life and $58 for licensing exam fees.
Additional Potential Value Includes:
• Exam Fee: $450
• Exam Prep Course: $300
Securities License Total: Approximately $750*
Technology Support Package Value Includes:
• Cell phone discount: up to 25%/yr.
• Your own website and business reports: $50/mo.
• Live and on-demand video training: $55/mo.
Total Value: $105+/month
ONE TIME
87. 87
Primerica’s Field Training Bonus
Earn credits that can convert to an actual cash bonus once
you get life licensed.* You’ll Learn:
• How Primerica’s business works
• About Primerica’s products and how we help clients with life insurance
• How to build your team
• The path to life insurance licensing success, as you earn your first promotion
*The qualification period is 90 days in the US, 120 in Canada (150 in QC), and 220 in Puerto Rico. In Puerto Rico submit Temp App in 60 days instead of pre-licensing.
Details about this bonus program are provided in the Field Training Bonus Program Document, on Primerica Online (POL). Ask a Primerica Representative for more details.
Build a team
and grow
your business.
Help families
across the
kitchen table.
Learn the business,
get licensed,
and earn a Field
Training Bonus.
Earn a promotion
to District Leader
to kick start
your future.
88. TOTAL CASH
$428
The income example of $428 assumes 1 sale of two life policies specified in the “John & Mary” example (Slide 44). Cash flow includes 75% advance of 1st year commission and
is subject to deferred compensation withholding. Assumes product remains 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, 2022, Primerica paid cash flow to its North American sales force at an average of $7,479, 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.
Help John and Mary with
their life insurance needs.
P A R T - T I M E
DISTRICT LEADER
88
SCENARIO 1
GET LIFE LICENSED
89. $1,818
F U L L - T I M E
REGIONAL VICE PRESIDENT
Personal
2 life clients and
1 investment client
like John and Mary
$4,415 $52,984
OR
$2,597
IN A
YEAR
89
TOTAL CASH FROM
MONTH’S SALES
Annual cash flow assumes the same level of activity over a 12-month period.
The hypothetical income examples assume the sale of the products specified in the “John & Mary” example (Slide 44). 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, 2022, Primerica paid cash flow to its North American sales force at an average of $7,479, 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.
SCENARIO 1
4 life clients and
2 investment clients
like John and Mary
Override Regional Leaders
90. F U L L - T I M E
REGIONAL VICE PRESIDENT
$8,675 $104,095
OR
Personal
2 life clients and
2 investment clients
like John and Mary
$3,593
IN A
YEAR
90
TOTAL CASH FROM
MONTH’S SALES
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 44). 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, 2022, Primerica paid cash flow to its North American sales force at an average of $7,479, 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.
SCENARIO 2
$4,546 $816BASE BONUS
10 life clients and
5 investment clients
like John and Mary
Override Regional Leaders
91. Cranbury, NJ
Business Analyst
Abayomi Onifade
91
Primerica Part-Time Success Stories
Primerica Average
Monthly Cash
$1,572
Houston, TX
Project Manager & Engineer
Jason Guillory
$3,472
Primerica Average
Monthly Cash
Monthly average is based on twelve-month total cash as of July 2023. From January 1 through December 31, 2022, Primerica paid cash flow to its
North American sales force at an average of $7,479, 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.
Denver, CO
Sales Associate
Mia & Angel Gomez
$1,248
Primerica Average
Monthly Cash
92. 92
Primerica Full-Time Success Stories
From January 1 through December 31, 2022, Primerica paid cash flow to its North American sales force at an average of $7,479, 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.
South Holland, IL
Former Financial Services
Dari & Ron Russell
Primerica Cash
$108,413
Loveland, CO
Former Grocery Manager
Phillip & Elisha Hansen
Primerica Cash
$158,860
Tampa, FL
Former Door-to-Door Salesman
& Student
Ale & Luis Camejo
Primerica Cash
$140,035
93. Nate & Mel Braley
Primerica Cash
$315,868
Rochester Hills, MI
Former Bank Manager
Atlanta, GA
Former Account Manager
Nardin Jihad &
Aisha Ahmed
Primerica Cash
$304,470
93
Primerica Full-Time Success Stories
Riverside, CA
Former Salesman
Billy & Mer Garcia
Primerica Cash
$313,380
From January 1 through December 31, 2022, Primerica paid cash flow to its North American sales force at an average of $7,479, 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.
96. Hi,
I’m your local TechSoup Connect host. We’re a
program of TechSoup.
TechSoup Connect is a global network of
#Tech4Good meetups.
TechSoup is a nonprofit that helps other nonprofits
get, implement, and use tech effectively.
99. Proprietary
TechSoup is a Global Network
Our Impact: Together, We Build a Stronger, More Resilient Civil Society
nonprofits
served
1+M
Market value of
in-kind tech and
funding facilitated
$11.1B
Countries and
territories reached
236
Languages
supported
39
NGO partners in the
global network
64
Metrics as of September 2018
100. Proprietary
Missions Accomplished with
TechSoup Services
Get comprehensive IT help and advice tailored to
your needs and your budget.
TechSoup
Courses
Help Desk
Cloud
Advice and
Implementation
Consultant
Connection
Office 365
Implementatio
n
Managed IT
107. Proprietary
Early Successes – Community Outreach (Africa) Sowe
Island
Remote area outreach and delivery of food
Need Funding for a Poultry Farm Project
108. THANK YOU!
Next Event is December 9,2023
(Black tie fundraising Dinner)
Minority Wealth Gap
www.minoritywealthgap.org
Los Angeles
Oct 7, 2023
TechSoup
Event