You Have the Power to Become Financially Independent
1
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.
TAKE
CONTROL
Control The Things You Can
3
BUT YOU CAN CONTROL
Saving for Retirement Other Sources of Income Ways to Reduce Your Taxes Maximizing Your Savings Eliminating your Debts
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?
Did you know Retirement is an amount of money, not an age.
THE FOUNDATION:
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.
The Importance of Life Insurance
5
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?
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
The Theory of Decreasing Responsibility
6
Today
At Retirement
HOW LIFE WORKS
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
How Much Is Enough?
7
10 times your annual salary is a good rule of thumb.
CONSUMER TIP: Buy life insurance exactly like you buy other kinds of insurance — auto, homeowners, health — for protection only.
Wouldn’t you think it was silly if someone tried to sell you auto insurance that included a long-term savings plan? The same is true for life insurance. It pays to buy your insurance separately from your investments.
REMEMBER: Do not combine your savings with your life insurance.
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
Types of Life Insurance
8
Cash value life insurance can be universal life, indexed 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 level premiums for the life of the policy. Term insurance provides a death benefit and its premiums increase after initial premium periods and at certain ages.
TERM
Lower initial premium
No investment component�(You can control your investment on your own.)
Pure death protection
CASH VALUE
Typically higher initial premium
Includes an investment component
In traditional plans, you can receive your cash value OR your life insurance, NOT BOTH. In certain plans only, you can get your cash value IF you pay extra fees.
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
Finance Tip 101
9
Never buy life insurance as an investment.
We believe savings should never be bundled with a life insurance policy.
Compare what you can get with whole life insurance to term life insurance and a separate investment account.
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
Which Program Would You Want?
10
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
This material is intended only for general educational purposes and is not a solicitation of a life insurance policy.
Four Problems with
Cash Value Life Insurance
11
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.
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.
PAY YOURSELF FIRST
The Three Accounts You Need
14
To have a complete savings program, most people need three types of basic accounts.
EMERGENCY ACCOUNT
GOAL:
Minimum three months of income for purchases within 0-2 years.
SHORT-TERM ACCOUNT
GOAL:
Minimum six months of income for purchases within 3-5 years.
WEALTH BUILDING ACCOUNT
GOAL:
Enough money for you to retire in dignity and enjoy your life.
PAY OFF DEBT
Debt Stacking at Work
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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.
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.
Debt Stacking at Work
17
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
FUN FACT!!!!
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Did you know if you made a one-time $3,000 credit card purchase with a 20% interest rate with no new purchases and made the minimum payments, it would take at least 10.5 years to pay off and you would end up paying more than $2,350 in interest charges?
$3,000
Credit Card Purchase
+ $2,350
In Interest
Charges
= $5,350
Total
Cost
Is the Power of Compound Interest working for you or against you?
Assumes 20% APR, and a minimum monthly payment of 3.5% of the balance or $20, whichever is greater.
Avoid These Common Credit Mistakes
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Not valuing your credit
Maxing out your cards
Not monitoring your credit score
Not being aware of your total debt
Not knowing your interest rate and fees
Five Tips to Raise Your Credit Score
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Pay ALL Debts
ON-TIME
LOWER all debts
to under 30% UTILIZATION
STOP opening new loans/cards
CUTS your history in HALF
STOP running your report frequent
RUN all loans in one month
DIVERSIFY the debts you have between loans & cards
BECOME
AN OWNER, NOT A LOANER
Bypass the Middleman
22
Banks usually pay a low interest rate on their customers’ deposits and then loan that money out or invest that money directly in the economy. The bank gains a higher rate of return on its investments and is happy to pay you a lower interest rate for the use of your money.
You are lending money to the bank and they are making a profit off your money.
Bypass the Middleman
Your Money Global Economy
You must become an “owner,” not a “loaner.” You must learn to “bypass the middleman.”
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
INVEST FOR YOUR FUTURE
The Broken Three-Legged Stool
24
With this kind of uncertainty, it’s time to take control and not rely on other sources to fund or protect your retirement.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
Social Security
Company Pensions�and Health Plans
Personal Savings
Do You Know The Rule of 72?
25
This table serves as a demonstration of how The Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike most investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis.
Divide the rate of return into 72 to find the approximate number of years
it takes your money to double.
Based on The Rule of 72, a one-time contribution of
$10,000 doubles six more times at 12% than at 3%
over 48 years.
Years | 3% | 6% | 12% |
0 | $10,000 | $10,000 | $10,000 |
6 | — | — | $20,000 |
12 | — | $20,000 | $40,000 |
18 | — | — | $80,000 |
24 | $20,000 | $40,000 | $160,000 |
30 | — | — | $320,000 |
36 | — | $80,000 | $640,000 |
42 | — | — | $1,280,000 |
48 | $40,000 | $160,000 | $2,560,000 |
The Importance of Rate of Return
26
A one-time $1,000 investment with �a 3%, 6% and 10% rate of return
This example serve as a demonstration of how the Power of Compound Interest concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike many types of investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis.
We’ll use the example of you investing $1,000 at 18 years old. Let’s look at your one-time $1,000 investment with a 3%, 6% and 10% rate of return. Look at what you could have withdrawn at age 67 at various rates of return.
$3,341
$18,777
10%
6%
3%
$131,590
How Doubling Your Rate of Return Can Quadruple Your Savings
27
These examples serve as a demonstration of how the Power of Compound Interest concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike many types of investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 9% or more on a consistent basis.
$100 per month at:
4.5% 9%
The difference of a few percentage points may seem minor, but the impact of the rate of return when combined with time is significant.
Why is Rate of Return the Key?
28
Source: Morningstar. Past performance is no guarantee of future results. This chart is for illustrative purposes and does not represent an actual investment. Further, the returns do not reflect the past or future performance of any specific investment. All investments involve risk including loss of principal. The figures in the chart above assume reinvestments of dividends. They do not reflect any fees, expenses or tax consequences, which would lower results. Because these indices are not managed portfolios, there are no advisory fees or internal management expenses reflected in their performance. Investors cannot invest directly in any index. The figures represent an initial investment of $10,000. The Standard & Poor’s 500®, which is an unmanaged group of securities, is considered to be representative of the stock market in general. Bloomberg
U.S. Aggregate Bond Index: Often referred to as “the S&P 500 Index of bonds,” the Bloomberg U.S. Aggregate Bond Index represents the dollar-denominated, investment-grade, fixed-rate, taxable U.S. bond market. The index includes government and corporate securities, mortgage-backed securities, and asset-backed securities, with maturities of at least one year. The U.S. 30-Day T-bills are government backed short-term investments considered to be risk-free and as good as cash because the maturity is only one month and are represented by the IA SBBI US 30 Day T-Bill TR index. Treasury Bills are secured by the full faith and credit of the U.S. Government and offer a fixed rate of return, while an investment in the stock market offers no such guarantee. Inflation history is represented by the IA SBBI US Inflation index. Investors cannot invest directly in any index.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
$181,763
S&P 500 TR
10.14%
Bonds
4.41%
$36,534
30-Day T-Bills
2.29%
U.S. Inflation
2.52%
$19,728
$21,081
What kind of return do you need to reach your goals?
Growth of a $10,000 Investment at Different Rates of Return
(December 31, 1993 to December 31, 2023)
The “Time Value” of Money
29
It can’t be stressed enough:
The sooner you start to save, the less you will have to put away. Look at how investing in an IRA today can help you secure a comfortable retirement.
The hypothetical 9% rate of return, compounded monthly, and tax-deferred accumulation shown for both IRA accounts are not guaranteed or intended to demonstrate the performance of any actual investment. Unlike actual investments, the accounts show a constant rate of return without any fees or charges. Any tax-deductible contributions are taxed and tax- deferred growth may be taxed upon withdrawal. Withdrawals from an IRA prior to age 59 1/2 may be subject to a 10% penalty tax. Assumes payments are made at the beginning of each year. Investing entails risk, including loss of principal.
Shares, when redeemed, may be worth more or less than their original value.
This material is intended only for general educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
MAKING YOUR MONEY WORK FOR YOU
This material is intended only for educational purposes and is not a recommendation to buy, sell or �hold a security or to adopt a particular investment strategy.
What is a Mutual Fund?
31
INDIVIDUAL INVESTORS
PROFESSIONALLY MANAGED MONEY
SAMPLE MUTUAL FUND HOLDINGS
Did you know the typical mutual fund holds more than 150 stocks on average?
Each mutual fund invests differently. Read the mutual fund’s prospectuses to determine how a fund may invest and to determine its current holdings. Mutual funds are actively managed portfolios and incur fees and internal management costs. The value of a fund fluctuates and, shares, when redeemed, may be less than the original value. Investments in mutual funds involve risk including loss of principal. Source: Morningstar. Average based on 3,276 U.S. domestic equity open-end funds. The list above is an example and does not represent the holding of an actual mutual fund.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
The Procter & Gamble Company Consumer products including Febreze, Crest, Downy, Gillette, Tide
Microsoft Corporation Technology including Windows computer software, Xbox video game system
Pfizer, Inc. Pharmaceuticals including Advil, Lipitor, Celebrex
McDonald’s Corporation Global fast-food operator and consumer brand
Verizon Communications, Inc. Telecommunications including wireless voice and data, broadband Internet
Netflix, Inc. Entertainment including subscription memberships for TV shows, films and games, streaming services
Amazon.com, Inc. Technology including e-commerce, cloud computing, online advertising, digital streaming, and AI
The Three Ds of Investing
32
Dollar-cost averaging is a technique for lowering average cost per share over time. Dollar-cost averaging cannot assure a profit or protect against loss in declining markets. Investors should consider their ability to continue to invest in periods of low-price levels. These values are hypothetical and not intended to reflect any specific market period. Diversification does not assure a profit or protect against loss.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
A good way to keep your focus on your goals is to remember the three “Ds” of investing:
Investing a certain fixed amount each month, regardless of what’s happening in the stock market.
Dollar-Cost Averaging
By staying focused and staying invested through all market activity, you can increase your long-term potential.
Discipline
Because there is no single, perfect investment, take advantage of the next best thing which is to build your portfolio by balancing a variety of investments.
Diversification
Who Do You Think Earned More Money?
33
MONTH
1
2
3
4
5
6
SHARE PRICE
$20
$15
$10
$5
$0
INVESTOR A
RISING MARKET
INVESTOR B
FLUCTUATING MARKET
Investor A
invests $100
a month in a rising market.
Investor B
invests $100
a month in a fluctuating market.
Dollar-cost averaging is a technique for lowering average cost per share over time. Dollar-cost averaging cannot assure a profit or protect against loss in declining markets. Investors should consider their ability to continue to invest in periods of low-price levels. These values are hypothetical and not intended to reflect any specific market period.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
Dollar-Cost Averaging
Who Do You Think Earned More Money?
34
Dollar-cost averaging is a technique for lowering average cost per share over time. Dollar-cost averaging cannot assure a profit or protect against loss in declining markets. Investors should consider their ability to continue to invest in periods of low-price levels. These values are hypothetical and not intended to reflect any specific market period.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
Cost Per Share | $10.00 | $7.00 | $4.00 | $2.00 | $6.00 | $10.00 | Average Cost Per Share: | $4.76 | 125.95 shares multiplied by $10 share price = $1,259.50 |
No. of Shares | 10.00 | 14.29 | 25.00 | 50.00 | 16.67 | 10.00 | Shares Accumulated: | 125.95 | |
INVESTOR B | | Accumulated more shares as the cost per share dropped | | ||||||
Cost Per Share | $10.00 | $12.00 | $14.00 | $16.00 | $18.00 | $20.00 | Average Cost Per Share: | $14.19 | 42.28 shares multiplied by $20 share price = $845.60 |
No. of Shares | 10.00 | 8.33 | 7.14 | 6.25 | 5.56 | 5.00 | Shares Accumulated: | 42.28 | |
INVESTOR A | | Accumulated fewer shares as the cost per share rose | | ||||||
RETURN ON $600 TOTAL INVESTMENT
Invests
$100 a month
Month 1 Month 2 Month 3 Month 4 Month 5 Month 6
DEFER TAXES
Deductibility vs. Deferrability
36
A DEDUCTION is an amount of money you can subtract from your gross income before you calculate taxes. The more you can reduce your gross income with deductions, the less the amount you’ll pay income taxes on. It PAYS to deduct. Remember to consult your tax advisor regarding your personal tax situation.
A DEFERRAL means that you can “postpone” payment of current taxes until a later date in the future, commonly at retirement. The great thing about deferring taxes to retirement is the expectation that you will be in a lower tax bracket when you have to pay taxes on the money.
Tax-related information is based on the current IRS tax code at the time of publication which is subject to change. Neither Primerica nor its representatives offer tax services. For related questions, please refer to an appropriately licensed professional.
This material is intended only for general educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
TAX DEDUCTION
TAX DEFERRAL
Which IRA Do You Prefer
37
You have a few choices when it comes to IRAs.
Traditional IRA
Deductible
BENEFIT: Tax savings now and tax deferral until retirement.
Which one works best for your situation?
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
Roth IRA
Non-deductible
BENEFIT: Contributions are �not deductible, but you receive tax deferral on earnings and tax-free withdrawals later.
1
2
Traditional IRA (Deductible)
38
Keep in mind that withdrawals from traditional IRAs are subject to income taxes at your ordinary tax rate, and early withdrawals, made before reaching age 59 1/2, may be subject to a 10% penalty unless a qualifying exemption applies. You may be eligible for annual income tax deductions based on your Annual Gross Income. Please consult a tax professional to see if you qualify.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
BENEFIT: Tax savings now and tax deferral until retirement.
Saves you money by giving you and your spouse the potential to contribute $7,000 each (if you meet certain requirements) off the top of your gross income, which reduces your taxable income. You postpone payment of taxes on any earnings until they are withdrawn at a date in the future, commonly retirement.
ROTH IRA
39
Earnings on a Roth IRA may be tax-free if you hold the account for five years and obtain the age of 59 1/2 before taking withdrawals. As long as the account has been open at least five years and you are age 59 1/2 when you begin withdrawing the proceeds.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
BENEFIT: Contributions are not deductible but you receive tax deferral on earnings and tax-free withdrawals later.
Contributions are made with “after-tax” money. However, when you withdraw the money from a Roth IRA, none of it will be taxed so long as certain parameters are met.
KEY ADVANTAGES: Your contributions can be available any time, without penalty and there aren’t required minimum distributions.
Comparing Tax Treatments
40
Income limitations may restrict the amount that you may contribute to a Deductible IRA or a Roth IRA. Additionally, the amount you may contribute to an IRA is reduced by contributions to other IRAs. Withdrawals before 59 1/2 may be subject to ordinary income tax and a 10% tax penalty. Primerica representatives do not offer tax advice. Consult your tax advisor with any questions. Tax-related information is based on the current IRS tax code at the time of publication which is subject to change.
This material is intended only for educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.
CATEGORY | TRADITIONAL IRA | ROTH IRA |
Contribution Limit (for 2026) | Up to $7,500 (Age 50 and above: up to $8,100) | Up to $7,500 (Age 50 and above: up to $8,100) |
Deductibility | Deductible (Income limits apply) | Non-Deductible |
Earnings | Tax-Deferred | Tax-Deferred |
Retirement Withdrawals (After age 59 1/2) | Taxable | Tax-Free (If the Roth IRA is held at least five years) |
Distributions | Required at Age 73 | No Age Requirement |
YOU CAN DO IT
You Can Do It!
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Based off a show of hands, how many of you would give me the opportunity to build you a financial game plan for your future to protect your income, eliminate your debt, save money on your taxes, & plan your future FOR FREE?
Snapshot of your Finances!
FINANCIAL GPS
43
Remember This…
44
People always say money doesn’t buy happiness.. But being broke doesn’t buy anything.
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Shawn Necaise
Senior Regional Manager
228 – 224 – 5247
snecaise@primerica.com
Office: 10598 DIberville Blvd
Suite E D’Iberville, MS 39540
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46
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PRIMERICA and the Primerica Logo are trademarks of Primerica, Inc., registered in the U.S. and Canada. HOW MONEY WORKS™ is a trademark of Primerica, Inc. All rights reserved.
Primerica offers a business opportunity that involves the sale of term life insurance and various other financial service products. Primerica representatives are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals. Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.
Primerica representatives market term life insurance underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY in New York State; Primerica Life Insurance Company, Executive Offices: Duluth, GA in all other U.S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: �Suite 400, 6985 Financial Drive, Mississauga, ON, L5N 0G3, �Phone: 905-812-2900 in Canada.
In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org]. Primerica and PFS Investments Inc. are affiliated companies. PFS Investments Inc. conducts its advisory business under the name Primerica Advisors.
Primerica representatives are not financial or estate planners, tax advisors, budget planners, credit counselors, or debt managers. For related advice, individuals should consult an appropriately licensed professional.
A Primerica representative’s ability to offer products and services is based on the licenses held by the individual, and the states in which the individual is registered. Not all representatives are authorized to sell all products and services. Debt stacking optimizes your total monthly payment by focusing on paying off each debt in an efficient manner. As each debt is paid off, that payment is applied to the next debt in the plan until all debts are paid off. Neither Primerica nor its representatives are certified or registered financial planners or tax advisors and do not offer or provide services such as credit repair or improvement, budget planning, debt or credit counseling, debt management or settlement, or other similar services.
This information is educational and is not intended to be a recommendation to buy, sell or hold a security or to adopt a particular investment strategy or to be a solicitation of a life insurance policy.
Debt stacking optimizes your total monthly payment by focusing on paying off each debt in an efficient manner. As each debt is paid off, that payment is applied to the next debt in the plan until all debts are paid off. Neither Primerica nor its representatives are certified or registered financial planners or tax advisors and do not offer or provide services such as credit repair or improvement, budget planning, debt or credit counseling, debt management or settlement, or other similar services.