2. The Financial Services Company
For the 21st Century
 Founded in 1977 with 85 people
 6 million clients in the United
States, Canada and Puerto Rico
 Largest financial services
marketing organization in North
America
All of this without any national TV or radio advertising!
 Listed on NYSE (PRI)

3. Ask Yourself Three Questions
As We Go Through The Presentation
1. Is there a need for what we do?
2. Are these financial concepts helpful for
you?
3. If your family and friends implemented
these concepts, would they be better
off? Our Mission:
To help families become properly protected,
debt free and financially independent

4. How Do Most People Make Their Money?
No Control of TIME. Control of TIME.
No Control of MONEY. Control of MONEY.
Employee Business Owner
Has a job. Owns a system.
Income based on position, not the Has others working for him/her. Unlimited
person. income potential via manufacturing,
marketing, etc.
Self-Employed Investor
Owns a job. Has money working for them.
Dentist, doctor, lawyer, hair stylist, Enjoys complete freedom and lives the
real estate agent, salesperson. dream.
Limited control of Control of TIME.
TIME. Control of MONEY.
Limited control of
MONEY.
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.

5. What Do People Want?
When people talk about freedom,
they’re really talking about…
5
Quality of Life

6. What Is Quality of Life?
More … Time More … Money
6

7. What determines your quality of life?
How You How You
MAKE MANAGE
Your Your
MONEY MONEY
7

8. We Believe with Faith,Work,& Dreams
It is All Possible
James 2:17 says…
Faith without works is dead
Without Work - there is no reason to Dream;
Without Dreams - there is no reason to Work.
So is it Possible with Primerica, Lets see
8

9. What’s your Odds of Making it Big Here?
If You Google “What
company has the
most people making
over $100,000” and
$1,000,000 a Year?
You Will find it is
Primerica for Both
9

10. Primerica
Listed on the New York Stock Exchange as (PRI)
Qualify to get your share of the 3 million
more shares over the next 3years
This is not an offer or advice to purchase any stock with Primerica or any other company. This is not a guarantee that you will receive stock as the
company changes the stock gifting program from time to time. You will not receive any stock until you are a Regional Vice President and at that
10
time you will qualify based on your rank and or your volume in different areas of the business. Refer to Primerica Online for all details and
qualifications.

11. Primerica
 New company with 35-year proven track
record
-2 million investment clients
– $35 billion in assets
– 4 million insured
All that with…
– $0 Debt and 4 Billion in Cash.
*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
11 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.

12. Life Insurance Managed Accounts1,4
Annuities1,3
Auto & Home Insurance
Referral Program
401(k) Plans1,3
Quotes from such companies as:
Travelers
Safeco
Progressive
Mutual Funds3,5
Debt Solutions
Primerica
DebtWatchers™
Offered by Primerica Client
Services, Inc. through
contractual agreement with
Long Term Care
See endnotes pages for
important disclosure.
12

13. The Headlines Tell The Story
Six in 10 workers say that they are living paycheck to paycheck.
CareerBuilder.com Survey, April 12, 2011
“Average credit card debt among households with balances on their cards:
$15,788.”
AARP Bulletin, July-August 2010
More than half of Americans have no emergency savings.
Time.com, August 11, 2011
Bankruptcies topped 1.5 million in 2010.
CNNMoney.com, January 3, 2011
68 million Americans have no life insurance.
LifeHealthPro.com, June 14, 2010
More than half of all workers have less than $25,000 in savings and
investments for retirement.
Employee Benefit Research Institute 2011 Retirement Confidence Survey
How real and serious are these problems?

14. How do most people manage their money?
They Don’t!
14

15. We Believe in Bypass the Middleman
Traditional Financial Institutions
Banks, Credit Unions, Insurance Companies =
Historically Low Rates of Return
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.
15

16. 16

17. The “Time Value” of Money
Investor A Investor B
Age Annual End of Year Age Annual End of Year
Individual A: Payment Accumulation Payment Accumulation
Started 22 $5,000 $5,470 22 0 0
contributing 23 5,000 11,450 23 0 0
24 5,000 17,990 24 0 0
At Age 22 25 5,000 25,150 25 0 0
26 5,000 32,980 26 0 0
When is
27 5,000 41,540 27 0 0
Individual A: 28 5,000 50,910 28 0 0
Stopped 29 5,000 61,150 29 0 0
Individual B:
contributing
$40,000 30 0 66,890 30 $5,000 $5,470 Started
At Age 29 31 0 73,160 31 5,000 11,450 contributing
32 0 80,030 32 5,000 17,990
33 0 87,530 33 5,000 25,150 At Age 30
more than 34
35
36
0
0
0
95,750
104,730
114,550
34
35
36
5,000
5,000
5,000
32,980
41,540
50,910
$190,000?
37 0 125,300 37 5,000 61,150
38 0 137,050 38 5,000 72,360
39 0 149,910 39 5,000 84,620
40 0 163,970 40 5,000 98,020
41 0 179,350 41 5,000 112,690
42 0 196,180 42 5,000 128,730
The hypothetical 9% nominal rate of 43 0 214,580 43 5,000 146,270
44 0 234,710 44 5,000 165,460
return, compounded monthly, and tax- 45 0 256,730 45 5,000 186,450
deferred accumulation shown for both IRA 46 0 280,810 46 5,000 209,410
accounts are not guaranteed or intended to 47 0 307,150 47 5,000 234,520
demonstrate the performance of any actual 48 0 335,960 48 5,000 261,990
investment. Unlike actual investments, the 49 0 367,480 49 5,000 292,040
accounts show a constant rate of return 50 0 401,950 50 5,000 324,900
51 0 439,660 51 5,000 360,850
without any fees or charges. Any tax- 52 0 480,900 52 5,000 400,170
deductible contributions are taxed and tax- 53 0 526,010 53 5,000 443,180
deferred growth may be taxed upon 54 0 575,350 54 5,000 490,220
withdrawal. Withdrawals prior to age 59 55 0 629,330 55 5,000 541,670
1/2 may be subject to a 10% penalty tax. 56 0 688,360 56 5,000 597,960
57 0 752,930 57 5,000 659,520
Assumes payments are made at the 58 0 823,560 58 5,000 726,850
beginning of each year. Investing entails 59 0 900,820 59 5,000 800,510
risk, including loss of principal. Shares, 60 0 985,320 60 5,000 881,070
when redeemed, may be worth more or 61 0 1,077,750 61 5,000 969,190
less than their original value. 62 0 1,178,860 62 5,000 1,065,570
63 0 1,289,440 63 5,000 1,171,000 Individual B:
64 0 1,410,400 64 5,000 1,286,320 Stopped
65 0 1,542,700 65 5,000 1,412,450 contributing
66 0 1,687,420 66 5,000 1,550,420
67 0 1,845,710 67 5,000 1,701,330 At Age 67
Total
Contributions $40,000 $190,000 Total
Contributions
$1,845,710 $1,701,330
Total Accumulation
At Age 67

18. The Rule of 72
# Years for $ Double
%) 72
interest rate

19. The Rule of 72
Number 2% 6% 10%
of Years
• How do you win a
0 $10,000 $10,000
game if you don’t
know the rules?
7 *
$10,000 $20,000
• Do banks or insurance
12
companies have any
14* $20,000 $40,000 incentive to teach us
18
this rule?
21* $80,000 • Shouldn’t we have
learned this rule in
24
school?
28* $40,000 $160,000
36 $20,000 $320,000 The table serves as a demonstration of how the Rule of
72 works and is only an approximation of
$80,000 accumulations. It is not intended to represent any
Works for You When You’re Saving specific investment, which will fluctuate.
* 10/72 is 7.2 years. So the actual is 7.2 years, 14.4 years,
Works Against You When You Owe
21.6 years, 28.8 years, and 36years.
Without Introducing us to Family and Friends, how would they learn this Rule?

20. 20

21. The First Step to Financial Success is
Pay Yourself
When you don’t, there’s a high cost of waiting.
$100 Monthly Savings @ 9% for 40 Years (Age 27-67)
27 $471,640
Wait 1 year 28 $430,040 (-$41,600)
($1,200)
Wait 5 years 32 $296,380 (-$175,260)
($6,000)
Wait 15 years 42 $112,950 (-$358,690)
($18,000)
Who are people hurting if they wait?
Rates of return are constant and 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 where rates of return fluctuate. It does not take into consideration taxes or other
applicable deductions, which would lower results.

22. Are You Giving the Government
a Tax-Free Loan?
Average 2010 tax refund was $3,129 = $260/mo
Rather than Overpaying, Invested it for 35 years at…
If you make:
3% interest $192,807
6% interest $370,425
10% interest $995,351
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. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which
would lower results. *CNNMoney.com, March 4, 2011

23. Solution: Debt Stacking
Age 35
As each debt is paid off, you
Retail Card 1 $220
$220 + $220 apply the amount you were
paying to that debt to the
payment that you were making
Credit Card 2 $353 $573
$353 + $573 on the next target account.
Car Loan $551 $551 $1,124 + $1,124
$551
Credit Card 1 $303 $303 $303 $1,427 + $1,427
$303
Mortgage $1,293 $1,293 $1,293 $1,293 $2,720
$1,293
Total $2,720 $2,720 $2,720 $2,720 $2,720
Paid off in 8 years, Age 43 ( 15 years sooner) Interest saved $130,643
(Age 44) Once debts are paid off, invest $2,720 each month at 10%
@ Retirement … Age 62 = $1.2 million
Do Financial Companies Want You To Know This?
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 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 the ca r 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. It is unlikely an investment would grow 10% on a consistent basis, given current market conditions. The 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.
Investing begins once debts have been paid off (at age 44). It is unlikely an investment would grow 10% on a consistent basis, given current market conditions.

24. Primerica Helps Families
Before Primerica With Primerica
Life Insurance:2 Life Insurance:3
$100,000 cash value on Bob Bob $300,000
$100,000 cash value on Susan Susan $300,000
$0 on the children. Childern $15,000 on each
Total monthly : $198* Total monthly cost: $90
“Cash value life insurance is one of the Over 3 Times the Coverage
worst financial products available.”
DaveRamsey.com, “The Truth About Life Insurance,” October 25, 2010 For Half the Cost
“I strongly believe that term is the best insurance… and it literally costs a fraction of other
forms of life insurance. The Road to Wealth: A Comprehensive Guide to Your Money, Suze Orman
*Term insurance provides a death benefit and its premiums can increase at certain ages. Cash value life insurance can be universal life, whole life,
etc., and may contain certain 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 level premiums for the life of the policy; term insurance premiums increase after initial premium

25. 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
What life insurance company do you know of that teaches
25
people how to eliminate the need for life insurance?

27. Solution: Build Your Financial House
Other Goals and Dreams
College Savings
Retirement
Debt Elimination
On a scale of 1-10,
Budget - Emergency Fund - Will* 10 being the highest,
how would you rate your
Protect Your Income / Term Life desire to become properly
protected, debt free and
“A good rule of thumb is that you need financially independent?
between eight to ten times your annual
salary in life insurance coverage.”
— The Wall Street Journal, April 12,
2006
* Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details.
Primerica representatives do not provide legal, tax or estate planning advice.

28. Primerica Helps Families
Before With Primerica
Primerica Secure
Auto & Home: Auto & Home:*
Comparing 24 top National
Bob & Susan were paying Insurers at once.
$243 per month for Saved: $65 per month and
Auto & Home insurance. invested into a Roth IRA
Savings at age 65 with a 10%
return is $150,000
*Not available in Canada.

29. Investing at Retirement
Over the next few years, more than 76 million
Americans will be entering retirement.
Are you one of them?

30. Primerica Helps Families
Before Primerica With Primerica
Retirement: Retirement3
Susan had $20,000 in an IRA Rolled over IRA into
at the bank earning 3%, mutual funds. Added savings
with $100 per month from Life and Auto
contributions.
increased it to $273.
Accumulated savings at Accumulated savings at 10% at
age 65 = $107,000 age 65 = $1,019,000
x 3% x 10%
Income $3,021 a year Income $100,000 a year

31. Most people
don’t plan to fail,
they fail to plan.
31

32. 100 People After Working From Age 25 -
Age 65
5%
4% 1%
100 people at age 65:
36%
54% dependent
36% working
5% deceased
4% OK ($1 million) 54%
1% wealthy ($5
million) Source: SmartMoney, 2001
Why do 95% fail when it comes to their finances?
1. No financial education
2. No financial game plan
3. No financial coach

33. How can I make Money$$$$

34.  Make it a business for you and your family

35. How About Getting Paid to Train ?
Primerica Will Pay You $1,000
All you need to do is…
 4 Direct Recruits
 4 Personal Life Sales
(Possibly Yours + Theirs)
Receive your $1,000 and
Now You’re a District Trainer!
To receive your 200, 300, and 400 bonuses you must have your life license and make a sale at which time the company will pay
you all bonuses you have banked.

36. Excellent Compensation Plan
What You Would Have Earned —
Based on the Bob & Susan “With Primerica” example
District Trainer: (Part Time)
Help a New Recruit Get Their $1,000 and You Make $1,750
1 Rollover for $50,000 $700
Total cash for the month: $2,450

37. Excellent Compensation Plan
What You Would Have Earned —
Based on the Bob & Susan “With Primerica” example
Regional Leader: (Part Time)
Help a New Recruit Get Their $1,000 and You Make $2,450
Override: 2 District Leaders Training
1 Recruit to Get Their $1,000 and Make $1,400
1 Rollover for $50,000 $850
Total cash for the month: $4,700

38. Excellent Compensation Plan
What You Would Have Earned —
Based on the Bob & Susan “With Primerica” example
Regional Vice President: (Full Time)
Override: 6 District Leaders Training
1 New Recruit that Get Their $1,000 and Make $14,500
Half of the Team Do $50k Rollover $6,000
Total cash for the month: $20,500
Annual Income $246,000

39. Senior Vice President
Base Shop:
6 District Leaders Training
1 New Recruit to Get Their $1,000 and Make $14,500
Half of the Team Do $50k Rollover $6,000
Overriding 3 First Generation RVP’s
Each with 4 District Leaders Training
1 New Recruit to Get Their $1,000 and Make $6,200
Half of the Team Do $50k Rollover $6,000
Bonuses on RVP’s $12,600
Total cash for the month: $40,000
Annual Income $480,000
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. 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 its 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.

40. But you don’t know I have very little …
1. Time
2. Money
40

41. The Primerica Business Opportunity


Low upfront costs
No inventory
$99
.
Plus $25/month
.
 Financially solid
 Products people need
 We do what’s right – not what’s being hyped
41

42. Cover your $25/mo cost of running your
business with our cell phone discount
If your average bill is $150/mo…
Savings of $33/mo
Savings of $40/mo
Savings of $25/mo
Savings of $18/mo
Check under POL under technology support for the correct online discount. If you are already receiving a discount and our company
42 has a higher percentage you my switch to it. This is not a guarantee so check with your carrier before recruiting in with Primerica.

43. But you might say ..
I failed more than once in my Life
Proverbs 24:16
A righteous man falls seven times
but he rises again.
Thomas Edsion :
When trying to invent the light bulb :
After 187 times he said ” I guess we found
187 ways it will not work”
43

44. When should I do this?
Ben Franklin said:
“One today is worth two
tomorrows."

45. How Fast Should I Start
Abraham Lincoln said:
“Things may come to those
who wait,…
but only the things left by
those who hustle.”

46. What’s Next?
Submit your Independent
Business Application
(IBA + $99 initial licensing fee,
$25/mo. Business Building Support
System).
46

47. The 2nd thing I would suggest is to…
Set up a time in the next 2-4 Days to sit down with
the person who invited you to:
• Coach you on getting
off to a Fast Start
• Look at the different products
and see where we can possibly
save you money
47

48. Get Your Business and
Your Income off to a Fast Start
Learn how to earn your
FAST START BONUSES of up to a
$1,000
See Your
Field Trainer
For Details!
48

49. The Five Reasons People Get Involved
• They don’t like their current job and are
looking for a career change & better income
potential.
• They love what they do… but earning extra
part-time income each month would make a
positive difference.
• They want to get a financial education so they
can learn how to win the money game.
• They Can you see how most people would be
love helping people andthese areas?
making a
interested in at least one of
difference.
• They dream of having their own business.

51. Compensation Payout
 Starting out 25% com
 4 x 4= District 50% com
 2-4 x 4 = Division 60% com
 2-Divisions= Regional Leader 70% com
 2-Regional Leaders= RVP 95% com