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The Largest Financial Company in North America with 140,000+ Licensed Representatives
Listed on the New York Stock Exchange (PRI)
In Business Since 1977
More Than 5.7 Million Lives Insured and 2.3 Million Investment Clients

As of December 31, 2017

Primerica representatives market term life insurance underwritten by National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York and Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions. In the U.S., securities are offered through PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001. PFS Investments Inc. is a member of FINRA and SIPC. Vivint: Home automation services (including home security) are offered through a referral arrangement by contractual agreement between Primerica Client Services, Inc. Primerica Client Services Inc., PFSL Investments Canada Ltd., Vivint, Inc. and Vivint Canada, Inc.

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WORLD CLASS SUPPORT SYSTEM

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The Rule of 72

Divide your interest rate into 72 to find the�approximate number of years it takes for money to double!

How do you win a game if you don’t know the rules?
Do banks or insurance companies have any incentive to teach us this rule?
Who would benefit from learning this rule?
Shouldn’t we have learned this rule in school?

Years

$20,000

$40,000

6

12

18

24

30

36

42

48

$10,000

0

3%

$20,000

$40,000

$80,000

$160,000

$10,000

6%

$20,000

$40,000

$80,000

$160,000

$320,000

$640,000

$1,280,000

$2,560,000

$10,000

12%

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Solution: Build Your Financial House

Protect Your Income / Life Insurance

Emergency Fund

Accelerate Paying Off Debt

Retirement

41% of Americans have no life insurance, and about half of those with insurance are underinsured.

Swiss Re Institute, “Life Underinsurance in the US: Bridging the USD 25 Trillion Mortality Protection Gap,” September 2018

One of the concepts we help our clients understand is that building a financial future is much like building a home, we start with a foundation.

Would you ever purchase a home with a faulty foundation?

41% of Americans have no life insurance, and about half of those with insurance are underinsured. Which means if the breadwinner were to prematurely die, their family would be left with the same amount of bills but half the income.

But what we find is that when people do have life insurance, they make TWO MISTAKES.

1.They have the wrong type of life insurance, they are under covered and they are over paying, or they might just have the wrong type of product.

Secondly, they ONLY have it through work, which is fine if its free, but it should NEVER EVER be all that you have, because you cant count on keeping it if you ever lose your job, become disabled or you leave your company.

This leaves a gap in which your family is not protected.

Now when is it a good idea to leave your family without protection?

EMERGENCY FUND: 3-6 months worth of income. Just in case of an emergency. This keeps people from getting into unnecessary debt!

DEBT: We help build a plan to get people of debt, a lot of times without more money then they are already spend towards that.

Retirement: Our goal here is to assure to that we build a plan to help you reach retirement age with enough money to be able to actually stop working. Which we can all agree that’s much better then working forever right?

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The 2 Major Financial Risks are:

Los 2 Riesgos Financieros son:

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1)

3)

1. Work/ Group L.I.

2. Wrong Type

Debt

Retirement

Education

2)

3-6 Months

Will

Life Insurance

Financial House

One of the concepts we help our clients understand is that building a financial future is much like building a home, we start with a foundation.

Would you ever purchase a home with a faulty foundation?

41% of Americans have no life insurance, and about half of those with insurance are underinsured. Which means if the breadwinner were to prematurely die, their family would be left with the same amount of bills but half the income.

But what we find is that when people do have life insurance, they make TWO MISTAKES.

1.They have the wrong type of life insurance, they are under covered and they are over paying, or they might just have the wrong type of product.

Secondly, they ONLY have it through work, which is fine if its free, but it should NEVER EVER be all that you have, because you cant count on keeping it if you ever lose your job, become disabled or you leave your company.

This leaves a gap in which your family is not protected.

Now when is it a good idea to leave your family without protection?

EMERGENCY FUND: 3-6 months worth of income. Just in case of an emergency. This keeps people from getting into unnecessary debt!

DEBT: We help build a plan to get people of debt, a lot of times without more money then they are already spend towards that.

Retirement: Our goal here is to assure to that we build a plan to help you reach retirement age with enough money to be able to actually stop working. Which we can all agree that’s much better then working forever right?

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We Help Families: John and Mary, Each Age 35

Debt

Debt paid off: 9 years

Total mo. payment: $2,720

Freedom Age: 44�

Saved $130,643 in interest & 14 years in payments!

Debt

Consumer: $47,000�Mortgage: $194,000

Total mo. payment: $2,720

Debt Freedom: Age 58

A - Before

B - After

Auto & Home Insurance

Monthly Premiums: $243

Auto & Home Insurance

Monthly Premiums: $131

$112 Monthly Savings!

Life Insurance/Income Protection

$400,000 coverage on John

$400,000 coverage on Mary

$10,000 coverage on the children

Monthly Cost: $126/mo.

$169 Monthly Savings

Life Insurance/Income Protection

$150,000 coverage on John�$150,000 coverage on Mary

$0 coverage on the children

Monthly Cost: $295/mo.

Retirement Plan

IRA in a Bank @3% $20,000

Monthly Contribution: $100

At age 65 @ 3%: $107,410

Retirement Plan

Moved IRA to Mutual Funds $20,000

Monthly Contributions: $381/mo.

At Age 65 @ 10%: $1,257,993

TRANSITION: What we do is put together a plan we call Financial Needs Analysis, and although this plan is typically about 1500 bucks, what’s pretty cool about our company is that we do it for you totally free since we get paid from the companies we do business with, so there’s no cost behind it. The only thing that we would ask is that if we were putting together a plan like this for you and you love it, is that you refer us to 10 people. That is our personal fee for putting together a plan for you, that’s why we don’t charge you a dime.

So this is an example of a family we helped we’ll call them John & Mary.

DEBT CLOSE: & I don’t know what your current debt situation is, I don’t even know if you have any, but if I could help you get out of debt sooner without having to pay any more money is that something you’d be open to it? WFA

Okay great, and like I said, everybody’s situation is different, so we’ll look and see here in a minute.

AUTO CLOSE:

Now how many people would love to save on auto and home? WFA

And if you guys don’t mind me asking, whom do you have your auto and home through?

WFA

How much do you guys pay for that? WFA

And before we’re done we’ll give you a number to call that you can access, to see if they can save you money.

LIFE CLOSE: So in regards to life insurance, we help people put together plans that help people protect their family more efficiently.

& I know you mentioned that _______ handles your auto/home. Do they also take care of your life insurance or who does?

FINAL CLOSE:

So let’s just think about this for a second if you knew 10 people that were in situation A how

many of them would much rather be in situation B? WFA

The best way for us to be able to take a look and see if we can improve any situation is by one of those plans.

TRANSITION: So we will look here in a minute to see how we can help you guys in a sec but before that i'm gonna show you how you we get paid

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10

Mortgage

Cars

Insurance

Credit Cards

Utilities

Groceries

Child Care

Internet / Cell / Cable

Etc.

$4,000

MONTHLY BILLS

$3,000

Income Protection

MONTHLY INCOME

HERE’S A REAL LIFE EXAMPLE:

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Buy Term and Invest the Difference�35-year Level Term, $10,000 each on two children

Cash Value Life Insurance�Whole Life,

Universal Life,

Variable Life

Index Universal Life

Return of Premium

Our Crusade: Have The Right Protection

Tax

Free

A or B

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We Help Families: John and Mary, Each Age 35

Debt

Debt paid off: 9 years

Total mo. payment: $2,720

Freedom Age: 44�

Saved $130,643 in interest & 14 years in payments!

Debt

Consumer: $47,000�Mortgage: $194,000

Total mo. payment: $2,720

Debt Freedom: Age 58

A - Before

B - After

Auto & Home Insurance

Monthly Premiums: $243

Auto & Home Insurance

Monthly Premiums: $131

$112 Monthly Savings!

Life Insurance/Income Protection

$400,000 coverage on John

$400,000 coverage on Mary

$10,000 coverage on the children

Monthly Cost: $126/mo.

$169 Monthly Savings

Life Insurance/Income Protection

$150,000 coverage on John�$150,000 coverage on Mary

$0 coverage on the children

Monthly Cost: $295/mo.

Retirement Plan

IRA in a Bank @3% $20,000

Monthly Contribution: $100

At age 65 @ 3%: $107,410

Retirement Plan

Moved IRA to Mutual Funds $20,000

Monthly Contributions: $381/mo.

At Age 65 @ 10%: $1,257,993

TRANSITION: What we do is put together a plan we call Financial Needs Analysis, and although this plan is typically about 1500 bucks, what’s pretty cool about our company is that we do it for you totally free since we get paid from the companies we do business with, so there’s no cost behind it. The only thing that we would ask is that if we were putting together a plan like this for you and you love it, is that you refer us to 10 people. That is our personal fee for putting together a plan for you, that’s why we don’t charge you a dime.

So this is an example of a family we helped we’ll call them John & Mary.

DEBT CLOSE: & I don’t know what your current debt situation is, I don’t even know if you have any, but if I could help you get out of debt sooner without having to pay any more money is that something you’d be open to it? WFA

Okay great, and like I said, everybody’s situation is different, so we’ll look and see here in a minute.

AUTO CLOSE:

Now how many people would love to save on auto and home? WFA

And if you guys don’t mind me asking, whom do you have your auto and home through?

WFA

How much do you guys pay for that? WFA

And before we’re done we’ll give you a number to call that you can access, to see if they can save you money.

LIFE CLOSE: So in regards to life insurance, we help people put together plans that help people protect their family more efficiently.

& I know you mentioned that _______ handles your auto/home. Do they also take care of your life insurance or who does?

FINAL CLOSE:

So let’s just think about this for a second if you knew 10 people that were in situation A how

many of them would much rather be in situation B? WFA

The best way for us to be able to take a look and see if we can improve any situation is by one of those plans.

TRANSITION: So we will look here in a minute to see how we can help you guys in a sec but before that i'm gonna show you how you we get paid

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Part Time Agent $756

Flexible Hours | No Quotas | Work Remote

COMPENSATION PROGRAM

Broker $2,287

Active Income

4 Clients/mo = $3,024/mo

Passive Income

15 Clients/mo = $13,608/mo

$163,296/yr

If you made an extra $30-40k this year, how would that change your life?

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LICENSING PROCESS

Life Insurance Licensing Fees: $149
Exam Prep: $206
Licensing Exam Fees: $33
License Application: $50
Securities + SIE Exam Fees: $450
Securities + SIE Exam Prep Courses: $300

Our Investment: All Licensing Fees

TOTAL

$1,188

Licensing Class & Materials
Background Check: $99

App, Website, Business Reports
Errors & Omissions Insurance: $25/mo

TOTAL

$124

Your Investment: Licensing Class & POL

Would there be any reason you wouldn’t get started?

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We Help Families: John and Mary, Each Age 35

Debt

Debt paid off: 9 years

Total mo. payment: $2,720

Freedom Age: 44�

Saved $130,643 in interest & 14 years in payments!

Debt

Consumer: $47,000�Mortgage: $194,000

Total mo. payment: $2,720

Debt Freedom: Age 58

A - Before

B - After

Auto & Home Insurance

Monthly Premiums: $243

Auto & Home Insurance

Monthly Premiums: $131

$112 Monthly Savings!

Life Insurance/Income Protection

$400,000 coverage on John

$400,000 coverage on Mary

$10,000 coverage on the children

Monthly Cost: $126/mo.

$169 Monthly Savings

Life Insurance/Income Protection

$150,000 coverage on John�$150,000 coverage on Mary

$0 coverage on the children

Monthly Cost: $295/mo.

Retirement Plan

IRA in a Bank @3% $20,000

Monthly Contribution: $100

At age 65 @ 3%: $107,410

Retirement Plan

Moved IRA to Mutual Funds $20,000

Monthly Contributions: $381/mo.

At Age 65 @ 10%: $1,257,993

TRANSITION: What we do is put together a plan we call Financial Needs Analysis, and although this plan is typically about 1500 bucks, what’s pretty cool about our company is that we do it for you totally free since we get paid from the companies we do business with, so there’s no cost behind it. The only thing that we would ask is that if we were putting together a plan like this for you and you love it, is that you refer us to 10 people. That is our personal fee for putting together a plan for you, that’s why we don’t charge you a dime.

So this is an example of a family we helped we’ll call them John & Mary.

DEBT CLOSE: & I don’t know what your current debt situation is, I don’t even know if you have any, but if I could help you get out of debt sooner without having to pay any more money is that something you’d be open to it? WFA

Okay great, and like I said, everybody’s situation is different, so we’ll look and see here in a minute.

AUTO CLOSE:

Now how many people would love to save on auto and home? WFA

And if you guys don’t mind me asking, whom do you have your auto and home through?

WFA

How much do you guys pay for that? WFA

And before we’re done we’ll give you a number to call that you can access, to see if they can save you money.

LIFE CLOSE: So in regards to life insurance, we help people put together plans that help people protect their family more efficiently.

& I know you mentioned that _______ handles your auto/home. Do they also take care of your life insurance or who does?

FINAL CLOSE:

So let’s just think about this for a second if you knew 10 people that were in situation A how

many of them would much rather be in situation B? WFA

The best way for us to be able to take a look and see if we can improve any situation is by one of those plans.

TRANSITION: So we will look here in a minute to see how we can help you guys in a sec but before that i'm gonna show you how you we get paid

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District Leader: Part-Time

Active Income:�4 Clients = $2,875

Líder de Distrito: Tiempo Parcial

$863

Passive Income: � 10 Clients = $8,630

We teach people start off as a part time which is a district leader with our company, so let's say you start part time and you help a family like the one i just showed you … the company would pay you about 700 which takes about 2 hours to do. If you were to make 700 bucks every time you helped a client, how many would you want to help?

So let’s say you only did one a week, that’s 4 a month. Thats an extra 2,800 month..

If you made an extra 2-3k/mo part time, on a couple hours week. Would that help you or hurt you?

The best part about it is there’s no quotas and you create your own schedule, you get to work from home, keep your current job and make a couple thousand per month when you’re available to do so! That could be life changing wouldn’t you agree?

& if you started making 2,000-4000 consistently, month in, month out, you’re probably thinking about making a career change, right?

So you make a career change and become a Regional Vice President. Now this is where our company gives you ownership, so now that you own it, you get 100% of the contract.

So now, to help those same 4 families, you would make about close to 2,000 instead of 500. Now if you help those same four families in a month, what’s 4 times 2000? $8000 a month, which is an incredible income right at 100k/year, but the problem is you’re still self-employed.

The problem with being self-employed or an employee in America is if you don’t show up to work how much money do you get paid? None, if you get sick, you don’t make any money, right? You have to be there to make money. But think about a business owner, does the owner of McDonald’s have to be there to get paid? WFA

That’s because he has built a system that totally works without him. His only focus is to hire enough people to keep the business running.

So let me show you how we teach people to do that.

Let’s say you guys owned you own office, you were RVPs and you hired and trained me as a district leader. Would you deserve to get paid for training me? Of course, right, so you train me, I become a district leader, I get good, and I go out and help a family and I make $718. Am I excited? Absolutely, it probably took me a week to make that at my job before you found me.

So who do I call when I leave there? I call you up, I say “I’m so excited, I just helped this family free up some money, got them out of debt a lot sooner, properly protected their family, put $1 million dollars extra in their retirement, and I just got paid $700. I’m so excited I’m not gonna be able to sleep.”

And what do you say? “Great job. I you can do it once, you can do it a million times.” You hang up the phone, and the company pays you the difference in our contracts, which is about $800, for training me, and you didn’t even have to be there.

So if you made $800 every time you hired and trained someone like me, how many of me would you train?

WFA

As many as possible, right?

But let’s be realistic and say you hired and trained 10 agents over the next 12 months, which is very conservative, you could do that no problem, right?

And let’s say each of those agents goes out and helps one family a month, not one a week like we were talking about, because we know some will do more and some will do less, right?

WFA

You as the Broker would get paid $8K a month, which is an incredible income, right? That’s why the average broker makes 150k year at our company! So now you have a business, good income and most importantly freedom of time. They greatest part about all of its that we will teach you, pay for your licenses & help you build a team! So do you guys have any questions on any of this?

WFA

Okay, well then I have a question for you. What would interest you more: A part time business you could own one day, a free financial game plan, or both?

Great! Well here’s the next steps to get started.

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Attend Training. (Via Zoom)

Thursdays 7- 8:15 PM CST

Saturday 9:30 - 11 AM CST

Get Trained — 15 Training Appointments.

80-100 Referrals

Start the Licensing Process.

Submit Background Check, Complete Registration.

The Next Steps

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Our Investment:

Exam Fee
Processing Fees
Appointment Fee
Fingerprint Fee
Course & Exam Prep

Total Value: $1,000

Your Investment with the State:

Background check: $30
State Fees: $69
Online Registration $25

Business Partnership

1. Average figures. Actual costs vary by province. The average pre-licensing education cost for life insurance is $550. The average provincial licensing cost for life insurance includes $120 for the provincial exam fee, $280 for the licensing fee, and $130 for first year Errors & Omissions insurance coverage. 2. In order to qualify for reimbursement of the applicable mutual fund licensing costs, some additional terms and conditions must be met, including but not limited to a full-service POL subscription, and meeting sales production requirements. Not all licensing fees are covered. Please ask your Primerica recruiter to review with you the Securities Licensing Benefit terms and conditions, available on Primerica Online under the Licensing and Education tab.

Independent Business Application (IBA) Licensing Fee

$124

ONE TIME

As we mentioned earlier must get you licensed. You will get a Life Insurance License which shouldn’t take you but a few weeks. The cost of this license is approximately $1000 all together the licenses are a few thousand dollars. The great news for you is Primerica will pay all the cost of this license except $124 which will be your background fee, state fees and online registration for POL. The better news is we will give you a $100 bonus just to get your license.

You will also have an online support system called POL. Which is completely optional but for only $25 per month you get all your business resources (which i always recommend), you can be 100% paperless, have your own website and do business from your smart phone with a an APP.

This support is valued at over $5,000 per year.

Where else can you start a professional business for $124 and run it for only $25/month?(WFA)

If you can start your business with an investment of only $124 and earn $100 by just getting licensed not mention the bonuses, can you see that you don’t have anything to lose?(WFA)

What would keep you from getting started right now?(WFA)

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2

3

App

$

Med.

Application Process

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$200 BUDGET /MONTH BUDGET

LIFE INSURANCE $200,000 $200,000 Children $ 35 Year Term	INVESTMENT $73/month for 35 years. $474,000 TAX FREE

$127 month Ins	$73 month Investment

$400,000 + Investment if you pass away
$474,000 if you live

Total investment of $84,0000!!!