The Greatest
Business Opportunity
in North America
Part Time/Full Time
Experience in Financial Services Not
Required
Please
1
2
3
4
2
Turn off/mute all cell phones.
Save all questions for after
the meeting.
Keep movement to a minimum
while the meeting is taking place.
Enjoy your time with us!
Primerica
Who we are:
• The largest independent financial services marketing organization in North
America
• Listed on the New York Stock Exchange (PRI)
• In business since 1977
• More than 6 million clients
All of this without any national TV or radio advertising!
We Are a One-Stop Financial Supermarket
With Home Delivery!
Life Insurance
Managed Accounts1,4
Annuities1,3
Debt Solutions1,2
Primerica
DebtWatchers™
Offered by Primerica Client
Services, Inc. through
contractual agreement with
®
401(k) Plans1,3
Auto & Home Insurance
Referral Program
Mutual Funds3,5
Quotes from such companies as:
Travelers
Safeco
Progressive
Long Term Care
Legal Protection
See endnotes pages for
important disclosure.
(770) 381-1000
1 Primerica Parkway, Duluth, GA 30099-0001
A.M. Best
“… Primerica’s part-time sales force, combined with
the company’s significant size and economies of
scale, allows the company to target the middleincome market successfully… Primerica’s target
market [is] seriously underpenetrated.”
Google Search
1. Primerica.com
2. PrimericaOnline.com
3. Wikipedia.org (Primerica)
4. PrimericaBusinessOpportunity.com
5. Indeed.com (Primerica)
6. Foursquare.com/Primerica
7. Duluth.Patch.com
8. Glassdoor.com (Primerica)
9. BBB.org (Primerica)
10.Facebook.com/Primerica
11.Plus.Google.com/Primerica
Reality of Main Street
The Latest News & Statistics
95 million US adults have no life insurance (LifeHealthPRO 7/13)
Americans still aren’t saving. Why? (CNNMoney 6/13)
Retirees Running Out of Money (Advisor.CA 1/14)
More than half of Americans have less than $25K for retirement (Fox Business 3/13)
Most Americans accumulating debt faster than they’re saving for retirement
(Washington Post 10/13)
Three Critical Concepts We Teach
1) Become Debt Free
For internal use only.
Three Critical Concepts We Teach
1) Become Debt Free
2) Own Proper Insurance Coverage
The Theory of Decreasing
Responsibility
How Life
Works
Today
1. Young children
2. High debt
3. House mortgage
Loss of income would
be devastating
At Retirement
1. Grown children
2. Lower debt
3. Mortgage paid
Retirement income
needed
What life insurance company do you know of that teaches people
how to eliminate the need for life insurance?
Three Critical Concepts We Teach
1) Become Debt Free
2) Own Proper Insurance Coverage
3) Invest With Professional Management
Bypass the Middleman —
Become an Owner, Not a Loaner
Traditional Financial Institutions
Banks, Credit Unions, Insurance Companies =
Historically Low Rates of Return
Do The Banks Want You To Know This?
Bob And Susan Smith
Before Primerica
Debt:
Bob and Susan had $165,000 1st
mortgage loan balance; payoff in 24
years and had a total balance of
$13,000 on three credit cards; payoff
in 58 years.
Debt free?
Life Insurance:
$150,000 coverage on Bob
$150,000 coverage on Susan
No protection on the children.
Total monthly cost: $298
(Ages 35 And 33)
With Two Children
With Primerica
Debt:
They enrolled in Primerica DebtWatchers™,
and created a Fast Pay Plan to eliminate all
credit card debt, save four years of
mortgage loan payments and over $56,000
in total interest. (with $0 extra payment)
Debt free at age 55
Term Life Insurance:
$300,000 coverage on Bob,
$300,000 coverage on Susan and
$25,000 on each of the children.
Total monthly cost: $123
Saved: $175 per month
Bob And Susan Smith
(Ages 35 And 33)
With Primerica
Before Primerica
PLPP:
Bob & Susan had NO WILL.
Auto & Home:
With Two Children
PLPP:
Bob & Susan SET UP A WILL and got
access to a respected, full-service law
firm ($25 per month)
Auto & Home:
Now they pay $178 per month
Bob & Susan were paying $243
per month for auto & home
insurance.
Saved: $65 per month on their auto
and home insurance
Retirement:
Retirement:
Bob & Susan had $20,000 in an
IRA at the bank earning 3%, with
$100 per month contributions.
Accumulated savings at age 67 =
$116,000
See important assumptions and disclaimers on notes page.
Rolled over $20,000 IRA into mutual
funds. Monthly contributions increased
to $300. Accumulated savings at 9% at
age 67 = $1,022,000
Extra invested: $200 per month
Our Delivery System
A Financial Needs Analysis
A customized, confidential and
complimentary program that
helps families achieve their
goals and dreams.
A Financial GPS
To help families earn more income and
become properly protected, debt free and
financially independent
For internal use only.
Greatest Business Opportunity in America
There is no other company
like Primerica.
• We are the only hope that Main Street
has.
• We teach people how to save
their financial lives.
• What we do is so powerful —
our concepts and products, and our
opportunity.
• No one else is doing what we do.
• Franchise like without the Franchise
costs
• Become an Independent business
owner for $99 and $25 a month
The Real Estate Model
Agent
Broker
Limited Income Potential
Unlimited Income Potential
No Security
More Security
No Time Freedom
Time Freedom
6% Broker Fee
$100,000 House =
$6,000 Fee
Agent
50%
$3,000
A Broker with 5 agents
Earning $3,000/month
Earns $15,000/month
Broker
50% Override:
$3,000
Agent
50%
$3,000
Agent
50%
$3,000
Agent
50%
$3,000
Agent
50%
Commission
$3,000
Which would you rather be — an agent or a broker?
WHY PRIMERICA?
Fill out your Independent Business Application (IBA) — $99
Primerica Pays For:
Licensing Fees
Training & Educational Expenses
Training Bonus
$1,500*
$ 500
$ 300
Primerica’s potential investment
into you and every person you add to your team.
$2,300
* Varies by State
WHY PRIMERICA?
$25/month for Primerica Online — Online Business Support System
WHY PRIMERICA?
Best Compensation Package
Part Time :
Average Commission per Client Exceeds $500,
2 Clients/Month =
$12,000 Annual Part Time Income
RVP/Full Time:
Opportunity to Transition from Part Time
WHY PRIMERICA?
RVP Compensation Example:
An RVP who builds a business that creates
10 Clients/Month (2.5/Week)
Monthly Compensation $8,400/Month
You Would Be @ $100,000 Annually
WHY PRIMERICA?
Build A TEAM. Build A Business. Build Equity!
Awards Up To $15,000 of Stock Bonus
When You Get Promoted to RVP
Stock Awards to RVP’s
From
2010 to 3rd Qtr. 2013
Value at Award Date
Value at $42
$15,000
$42,000
WHY PRIMERICA?
Incentive Trips!
Hawaii
The
Greenbrier
LaCosta Resort
TOP FIVE COMPANIES WITH MOST SIX
FIGURE INCOME EARNERS?
“LOCAL SUCCESS”
SIX & SEVEN FIGURE INCOME EARNERS!
Former Occupation:
Admin Assist
Income: $36,000
Former Occupation:
Skydive Instructor
Income: $40,000
Former Occupation:
Auto Parts Clerk
Income: $30,000
Former Occupation:
Utility Worker
Income: $0
Former Occupation:
Painting Contractor
Income: $30,000
Former Occupation:
Student/Ins Sales
Income: $20,000
Former Occupation:
Retail Manager
Income: $50,000
Former Occupation:
Gear Cutter
Income: $28,000
Former Occupation:
Industrial Salesman
Income: $80,000
Former Occupation:
Quality Manager
Income: $50,000
Former Occupation:
Food Store Mgr
Income: $33,000
Former Occupation:
Civil Engineer
Income: $20,000
Former Occupation:
Nurse
Income: $35,000
Former Occupation:
Student
Income: $0
Former Occupation:
Cashier Trainer
Income: $28,000
Former Occupation:
Laborer
Income: $15,000
Former Occupation:
Cashier
Income: $24,000
Former Occupation:
Truck Driver
Income: $15,000
Former Occupation:
Corp Co-Pilo19
Income: $70,000
Former Occupation:
Truck Driver
Income: $70,000
Former Occupation:
Marketing Analyst
Income: $55,000
Former Occupation:
Chimney Sweep
Income: $18,000
Former Occupation:
Financial Analyst
Income: $70,000
Former Occupation:
Service Station Mgr
Income: $25,000
Former Occupation:
Teacher
Income: $40,000
Former Occupation:
Contractor
Income: $30,000
Former Occupation:
Engineer
Income: $55,000
Former Occupation:
Retail Manager
Income: $50,000
Greatest Business Opportunity in North America
“LOCAL SUCCESS”
SIX & SEVEN FIGURE INCOME EARNERS!
Former Occupation:
Police Officer
Income: $50,000
Former Occupation:
Restaurant Mgr
Income: $27,000
Former Occupation:
Architect
Income: $32,000
Former Occupation:
Business Owner
Income: $100,000
Former Occupation:
Gas Station Owner
Income: $188,000
Former Occupation:
Clinical Chemist
Income: $55,000
Former Occupation:
Manager
Income: $120,000
Former Occupation:
Auto Service Mgr
Income: $60,000
Former Occupation:
Commercial Lender
Income: $220,000
Former Occupation:
Collection Manager
Income: $38,000
Former Occupation:
Tool Maker
Income: $30,000
Former Occupation:
Engineer
Income: $70,000
Former Occupation:
Financial Analyst
Income: $35,000
Former Occupation:
Mfg Rep
Income: $45,000
Former Occupation:
Steel Forman
Income: $60,000
Former Occupation:
Secretary
Income: $11,000
Former Occupation:
Admin Coordinator
Income: $35,000
Former Occupation:
Social Worker
Income: $24,000
Former Occupation:
Electrical Engineer
Income: $33,000
Former Occupation:
Pastor
Income: $15,000
Former Occupation:
Auto Executive
Income: $135,000
Former Occupation:
Attorney
Income: $100,000
Greatest Business Opportunity in North America
The Five Reasons People Get Involved
1. They don’t like their current job and are looking for a career
change & better income potential.
2. They love what they do… but earning extra part-time income
each month would make a positive difference.
3. They want to get a financial education so they can learn how
to win the money game.
4. They love helping people and making a difference.
5. They dream of having their own business.
Next step: Meet one-on-one
The Greatest
Business Opportunity
in North America