Ice Breaker/Connect

Nice to meet you.

What did [trainee] tell you we are talking about today?

What do you guys do for fun?

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What do you guys do for work?

What do you like most about your current career?

What would you change if you could?

What is it about ( the change ) you don’t like?

Which one would you like to hear about – Making money, Saving money, or both?

Why I work with the company, ___________ (tell your story – short & relatable)

Thank you for your time.

Let’s get started!

Great!

We’re excited to share with you what we do.

We’re going to cover two main topics today/tonight:

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1. How we take an educational approach to help families with our products and services.

2. Our expansion model and how good people in our communities are having success by making a difference.

DON’T SHARE

Why We Are Here:

• To help with real world experience
• Explain products and services provided by our offices
• To show our expansion and distribution model
• To earn referrals, and compete for business

*The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. � The Cash Flow Quadrant is a trademark of CASH FLOW Technologies, Inc. For informational purposes only.

CASH FLOW QUADRANT^*

Theory of Decreasing Responsibility

We help families be prepared for both situations.

DYING TOO SOON

LIVING TOO LONG

• The largest independent financial services marketing company in North America with over 150,000 licensed Representatives
• Listed on the New York Stock Exchange (PRI)
• Founded in 1977
• Approximately 5.7 million lives insured and approximately 2.9 million investment clients

*Numbers reflect the combined totals or daily average, as indicated above, as of, or for the year ended, December 31, 2023, for the following affiliated companies: Life Insurance: National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York; Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada (Head Office: Mississauga, ON) in Canada. Investments: In the United States, securities are offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia 30099-0001; In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer, and segregated funds are offered by Primerica Life Insurance Company of Canada, Head Office: Suite 400, 985 Financial Drive, Mississauga, ON, L5N 0G3, Phone: 1-800-387-7876. Each company is responsible for its own financial obligations.

To help families earn more income and become properly protected,

debt free and financially independent.

Our Mission Statement

The majority (57%) of Americans are living paycheck to paycheck.

NerdWallet.com, “Living Paycheck to Paycheck: A Hardship or Good Budgeting?” October 15, 2024

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Forty-four percent of Americans would have difficulty finding $1,000 for an emergency.

Bankrate.com, “Bankrate’s 2024 Annual Emergency Savings Report,” June 20, 2024

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The average American has $104,215 in consumer debt- including credit cards and personal loans, auto and mortgage loans, and student debt.

BusinessInsider.com, “Average American Debt: Household Debt Statistics,” July 31, 2024

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A record number of American adults (42%) report having no life insurance coverage �at all or say they need more life insurance coverage.

LIMRA.com, “U.S. Life Insurance Need Gap Grows in 2024,” April 14, 2024

The Challenge

Is this getting better or worse?

The Solution

How We Help:

Primerica’s �Financial Needs Analysis (FNA)

• Customized
• Confidential
• Complimentary

Not all products and services are available in all states, territories, or the District of Columbia. A representative’s ability to offer products from the companies listed is subject to state and federal licensing and certification requirements. Please refer to the Important Endnotes for additional details about the contractual arrangements and company affiliations detailed above. 

Real Challenges - Real Solutions

$145/mo Savings!

$670,000 Difference!

14 Years Sooner!

John & Mary

30 Years Old With 2 Children

How do you think they feel about their finances now?

If we could put together a plan that helps you reach your financial goals, would you want to take a look at it?

Do you know people that would benefit from a gameplan like this?

BEFORE

Life Insurance: Cash Value

Coverage Amount:

John $100,000

Mary $100,000

Monthly Premium: $225

Cash Value at 60: $74,000

AFTER

Life Insurance: Primerica Term

Coverage Amount:

John $250,000

Mary $250,000

Monthly Premium: $80

Debt

Payoff: 23 years

Interest Paid: $214,000

Payment: $2,720/month

Debt:

Payoff: 9 years

Interest Saved: $130,000

Payment: $2,720/month

Retirement

Roth IRA At Their Bank: $20,000

Monthly Contribution: $100

Rate of Return: 1.5%

Age 60 = $76,000

Retirement

Rollover Roth IRA: $20,000

Monthly Contribution: $245 ($145+$100)

Rate of Return: 9%

Age 60 = $746,000

Monthly premium for cash value policies is an average of whole life policies from three major North American life insurance companies for male and female, both age 30 and standard risk. 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 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. Primerica monthly premium for 30-year Primerica PrecisionTerm policy, Class 6, husband (ICC21PA0), and Primerica PrecisionTerm policy, Class 4, wife (ICC21PA0), both age 30, underwritten by Primerica Life Insurance Company. The accumulation figure reflects continued investment at the same 9% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments which will fluctuate in value. This is hypothetical and does not represent an actual investment.

Auto & Home

Monthly Premium: $384

Auto & Home

Monthly Premium: $292

$92/mo Savings!

Our Expansion

*The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. � The Cash Flow Quadrant is a trademark of CASH FLOW Technologies, Inc. For informational purposes only.

CASH FLOW QUADRANT^*

What box are most people in?

What box would most people choose?

*The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. � The Cash Flow Quadrant is a trademark of CASH FLOW Technologies, Inc. For informational purposes only.

CASH FLOW QUADRANT^*

MRK

Why do most stay an employee?

*The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. � The Cash Flow Quadrant is a trademark of CASH FLOW Technologies, Inc. For informational purposes only.

CASH FLOW QUADRANT^*

Compensation

AGENT

Title: District

Monthly Premium: $80

Commission: $420

Help one family a week and earn an extra $1,600 a month.

BROKER

Title: RVP

Monthly Premium: $80

Commission: $924

Average RVP earns $100,000.

The hypothetical income examples assume the sale of the products specified in the “John & Mary” example. Assumes average commissionable premium per policy of $1,200. 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. From January 1 through December 31, 2023, Primerica paid cash flow to its North American sales force at an average of $7,185, 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.

Characteristics we’re looking for:

Hard workers, Competitive, Caring, Team Oriented, Motivated

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Industries some of our RVPs have come from:

Teaching, Coaching, Nursing, Homemakers, Construction, Delivery

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What Would Interest You Most?

1. A complimentary game plan to provide financial security for your family!

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• Making additional income on a part time basis helping families!

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• Helping us get the word out, by introducing us to families in your community!

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• All of the above

• Get out of debt
• Obtain proper protection
• Complete savings plan

Game Plan

Paying off three or more debts

Auto & Home - Life (Have/Start)

Emergency - Short term - Long term

How much additional monthly income would you be looking for? _________

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If you could potentially hit that dollar amount working with us, with no risk to your current career, is their any reason you wouldn’t get started with us on a Part-Time basis? _______

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What, if anything, would prevent you from getting started right now?

If time, fill out FNA input sheet with the client.

If not, schedule a carryback appointment, 24-72 hours is best.

Additional Income

Fill out IBA, and schedule Start Up meeting

GET LICENSED

Primerica Investment ($1,100+)

Life Insurance Licensing Fees: $149

Exam Prep: $200+

Licensing Exam Fees: $30-60

License Application: $50+

Securities + SIE Exam Fees: $450

Securities + SIE Exam Prep Courses: $300

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All numbers are approximate. Costs vary by state. 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 Securities Licensing tab on POL for additional information. *Reimbursement of securities licensing costs is subject to meeting program requirements, including a full-service POL subscription and pre-study and licensing requirements. Not all licensing fees are covered. Please refer to the Securities Licensing tab on POL for additional information.

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Applicant Investment ($124)

Pre-Licensing Class & Materials and

Background Check: $99

App, Website, Business Reports and

Errors & Omissions Insurance: $25/month

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.

Our Money

Global Economy

Wealthy

Middle America

The Rule of 72

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

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 actual 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 greater on a consistent basis, given current market conditions.

$20,000

$40,000

72

24

72

12

72

6

The Three Accounts You Need

To have a complete savings program, most people need three types of basic accounts.

Investing entails risk including loss of principal. Shares, when redeemed, may be worth more or less than original value.

What is a Mutual Fund?

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

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:

Who Do You Think Earned More Money?

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?

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.

RETURN ON $600 TOTAL INVESTMENT

Invests

$100 a month

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6

Rate of Return Is the Key

Growth of a $10,000 Investment at Different Rates of Return�(December 31, 1994 to December 31, 2024)

What kind of return do we need to reach our goals?

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(R), 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 general educational purposes and is not a recommendation to buy, sell or hold a security or to adopt a particular investment strategy.

S&P 500 �Total Return

Bonds

30 Day T-Bills

U.S. Inflation

Debt Stacking

Debt Stacking^1,2 

1. The examples are for illustrative purposes only.

2. 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 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.

3. The hypothetical assumes a constant nominal 9% 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).

Once debts are paid off, invest $2,720 each month until age 67 – the total, given a 9% return, is $2.4 million.³

These numbers represent 12-month rolling cash flow levels, including advances, that have been achieved by Primerica representatives, past and present, at some point during their affiliation with Primerica. The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “Cumulative Number of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the stated cash flow figures, even if they are also included in a higher cash flow category.

From January 1 through December 31, 2024, Primerica paid our life-licensed sales force members an average of $7,757, reflected in local currency, unadjusted for exchange rates. Representatives typically pay an initial fee of $99 USD ($103.95 CAD in Canada, inclusive of taxes) to provide for training and licensing and also may incur ongoing personal expenses to conduct business. Our representatives earn varying levels of income and the cash flow shown reflects an extraordinary level of success that is not typical of the sales force.

A Diamond is awarded to Primerica representatives when they earn cash flow in the amount of $100,000 within a 12-month period. Representatives earn a Diamond with every incremental increase of $100,000 ($200,000, $300,000 etc.)

Cumulative Number of Earners

A Track Record of Success with Tremendous Momentum

In 2024, Primerica paid nearly $1.2 billion to its sales force!

IMPORTANT ENDNOTES

Hypothetical scenarios are not applicable and are not to be used in New York or Canada.

A representative’s ability to market products is subject to state and federal licensing requirements. Primerica representatives market term life insurance by Primerica Life Insurance Company (Executive Offices: Duluth, GA) and, in New York, by National Benefit Life Insurance Company, Home Office: Long Island City, New York. Securities offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.org].

Representatives are independent contractors and are not employees of Primerica. Representatives are paid commissions only on the sale of products and are not paid for recruiting. Primerica representatives are not financial or estate planners or tax advisors.

Ownership refers to the conditional right of an eligible RVP to transfer his or her code number to another eligible RVP, subject to the consent of Primerica and subject to terms, Ownership refers to the conditional right of an eligible Regional Vice President RVP to transfer his or her business to another eligible RVP, subject to the consent of Primerica and subject to terms, conditions and regulatory requirements. The Ownership Program Document and policies located on Primerica Online (POL) control in all respects.

Additional Assumptions for Buy Term and Invest the Difference Hypothetical: Primerica monthly premium for 30-year Primerica PrecisionTerm Policy 1, Class 6, "John" (ICC21PA0 or PLF22PA0), and Primerica PrecisionTerm Policy 2, Class 4, "Mary" (ICC21PA0 or POL22PA0), both age 30, with $500,000 coverage each, underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA. 

The accumulation figure reflects continued investment at the same rate over 30 years at a 9% nominal rate of return compounded monthly and does not take into consideration taxes, fees or other factors, which would lower results. This example uses a constant rate of return, unlike actual investments that will fluctuate in value. This is hypothetical and does not represent an actual investment.

The compensation scenarios are not intended to demonstrate typical earnings, but are hypotheticals for certain leadership levels in the sales force. Most representatives do not achieve these levels and clients do not always buy the hypothetical product sets. In order to become a District Leader, you must achieve certain requirements and get life licensed; reaching other leadership levels is also dependent on achieving certain requirements. The ability to sustain any level of sales and earnings depends on the size of the organization you build, the number of sales and override commissions you earn, and the efforts of your downlines.

Hypothetical investments in these slides do not take into consideration taxes, fees or other factors that would lower results. They all use a constant rate of return, unlike actual investments that will fluctuate in value.

References to various milestone achievements and levels of success involve sales force representatives who have achieved extraordinary levels of cash flow during their careers. Personal cash flow levels fluctuate, and these achievements do not reflect earnings of typical representatives. From January 1 through December 31, 2024, Primerica paid cash flow to its North American sales force at an average of $7,757, 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.

IMPORTANT ENDNOTES

STRATEGIC PARTNER COMPANIES:

Auto and Home Solutions: Insurance referrals are offered through Primerica Secure^TM, an insurance referral program in which representatives may refer individuals to Answer Financial Inc., which offers insurance products and services through its licensed affiliates. Primerica, its representatives and the Primerica Secure^TM program do not represent any of the insurers in the program. Home automation services (including home security) are offered through a referral arrangement by contractual agreement between Primerica Client Services Inc., and Vivint, Inc. Legal and Identity Protection: IDTheftDefense^SM is a product of Pre-Paid Legal Services, Inc. (PPLSI) that provides access to identity theft protection and restoration services, through contractual agreement between Primerica Client Services, Inc. and PPLSI. Primerica Legal Protection Program legal protection services are offered by PPLSI through contractual agreement between Primerica Client Services, Inc. and PPLSI. PPLSI provides access to legal services offered by a network of provider law firms to PPLSI members through membership-based participation. Life Insurance: 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. Managed Accounts: PFS Investments Inc. is an SEC Registered Investment Adviser doing business as Primerica Advisors. For additional information about managed accounts, please ask your Primerica representative for a copy of the Form ADV Part 2A wrap fee program brochure for the Lifetime Investment Program. Mortgage & Home Equity Loans: Primerica Mortgage, LLC, NMLS ID # 1723477 (https://nmlsconsumeraccess.org). EQUAL HOUSING OPPORTUNITY. Primerica Mortgage, LLC is a state licensed Mortgage Broker, with its headquarters office located at 1 Primerica Parkway, Duluth, GA 30099-0001. Phone Number: 1-855-357-1054. Mortgage products are offered through a contractual agreement between Primerica Mortgage, LLC and Rocket Mortgage, LLC, NMLS ID # 3030. Home Equity Mortgage Loans are offered through a contractual agreement between Primerica Mortgage, LLC and Spring EQ, LLC, NMLS ID # 1464945.  For additional disclosures and a complete list of states where residential mortgage loans are offered please visit https://bit.ly/PriMortgage. Mutual Fund, Annuities and Business Retirement Plans: Securities are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001. Fixed index annuities are offered by Primerica Financial Services, LLC, an affiliate of PFS Investments Inc. Primerica Senior Health: In the U.S., Primerica Senior Health is a referral program in which Primerica representatives may introduce individuals to e-TeleQuote Insurance, Inc. (“e-TeleQuote”), an affiliate of Primerica, Inc. e-TeleQuote does business as easyMed Insurance Services in all states other than New Mexico. e-TeleQuote is a duly licensed insurance agency appointed by Medicare Advantage HMO, PPO and PFFS plans and stand-alone prescription drug plans and insurance companies holding Medicare contracts approved by The Centers for Medicare & Medicaid Services (CMS).

Primerica is the trademark of Primerica, Inc. All other trademarks and service marks are the property of their respective owners. All rights reserved. 

Not to be used in New York

© 2018-2024 Primerica / 62633 / 4.24 / 3483061

INCOME EXAMPLES: Each hypothetical income example assumes compensation for products in the amounts specified below. Each income example for life sales assumes the sale of two 30-year life products consisting of: Primerica PrecisionTerm Policy 1, Class 6, husband (ICC21PA0), and Primerica PrecisionTerm Policy 2, Class 4, wife (ICC21PA0), both age 30, with $250,000 coverage each, underwritten by Primerica Life Insurance Company. 

Life cash flow includes 75% advance of 1st year commission and is subject to deferred compensation withholding. Assumes average commissionable premium of $960. The income examples for investment product sales assume a $20,000 rollover into an IRA, plus additional investments of $258/mo. per client for 12 months.

Annual cash flow assumes the same level of activity over the 12-month period and all products remain in force for 12 months. The cash flow from the 12 months of sales is received beyond the 12 months, as cash flow from each month of sales is received over a 12-month period from the month of sale.