Referrals/Earn Your Business/Expansion
Not to be used in New York.
© 2012 Primerica/43934/3.12/US/11PFS648-5
Questions
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Do you like helping people?
Have you ever thought about being your own boss?
What are a few of your immediate goals & dreams?
How important are those goals & dreams to you?
If we could help you reach those goals, how soon would
you want to get started?
Are you willing to start part-time?
Is there someone else you need to speak to before making
a decision today?
Is there anything in your background that would prevent
you from getting a State license?
Would you have a problem paying the $99 background
check fee?
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
• 100,000 Licensed Reps
• $5 Billion in reserve capital
• Debt Free
• Listed on NYSE (PRI)
Supermarket of Financial Services
Debt Solutions1,2
Life Insurance
Managed Accounts
Annuities1,3
Primerica DebtWatchers™
®
401(k) Plans1,3
Auto & Home Insurance
Referral Program
Mutual Funds3,5
Quotes from such
companies as:
Travelers
Safeco
Progressive
Legal Protection
Long Term Care
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Our Mission
“Help families become
Properly Protected, Debt
Free and Financially
Independent”
Bob And Susan Smith (Ages 35 And 33) With Two Children
Before Primerica
With Primerica
Debt1:
Debt1:
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 (Age 93).
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?
Life Insurance2:
Debt free at age 55
Term Life Insurance3:
$150,000 coverage on Bob
$150,000 coverage on Susan
No protection on the children.
Total monthly cost: $298*
$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
PLPP4:
PLPP:
Bob & Susan SET UP A WILL and got access to a respected,
full-service law firm ($25 per month)
Bob & Susan had NO WILL.
Auto & Home:
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
Retirement3:
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
A
or
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
B
If you could earn $1300 - $1700 each time you moved a client from Plan A to
Plan B, would that interest you ?
See important assumptions and disclaimers on notes page.
District Leader: Part-Time
If you showed the A and B example to 10 families,
how many out of 10 would switch from A to B?
Personal:
5 clients in one month
5
3
1
2
2
life sales
IRA rollovers
Primerica DebtWatchers™
A&H
PLPP
Total cash for the month:
$4,868
And even if you did about half of that,
you could still earn $2,628!
If you could potentially earn $20,000 to $40,000 a year
part-time without jeopardizing your job, would that interest you?
The income example of $2,628 assumes 3 life sales, 1 IRA rollover, 1 Primerica DebtWatchers™, 1 A&H and 1 PLPP, in amounts and for products specified
in A & B example on prior slide. In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales
force, at an average of $5,544 per licensed representative.
Regional Leader: Part-Time
Personal:
5 clients in one month
5 life sales
3 IRA rollovers
1 Primerica DebtWatchers™
2 A&H
2 PLPP
Equals:
$6,545
Override:
2 District Leaders
6 clients in one month
6 life sales
3 IRA rollovers
3 Primerica DebtWatchers™
3 A&H
2 PLPP
Equals:
$1,973
Total cash for the month: $8,518
Once you reach $50,000 to $80,000 a year in income,
would you consider making a career change?
In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed
representative.
Regional Vice President
Personal:
5 clients in one month
5 life sales
3 IRA rollovers
1 Primerica DebtWatchers™
2 A&H
2 PLPP
Equals:
$9,065
Override:
6-8 District Leaders
25 clients in one month
25 life sales
10 IRA rollovers
6 Primerica DebtWatchers™
6 A&H
6 PLPP
$18,989
Bonus: $8,913
Equals:
Total cash for the month: $36,967
In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, at an average of $5,544 per licensed
representative.
Getting Started
1. Fill out your Independent Business Application (IBA) — $99
Value includes:
State license fee
Exam fee
Fingerprint/background check
PFSU pre-licensing
Total:
Total fees vary for each state
worth approximately —
$1036
2. $25/month for Primerica Online — Online Business Support System
Value includes:
Cell phone discount
Your own website and business reports
Access to live and on-demand video training
Qualify to have securities license paid for
Morningstar financial analysis software*
Total:
*Must be securities licensed
$100-$250/year
$600
$400
$500
$4,000/year
worth approximately — $6,000
3. Get off to a fast start! Qualify for a bonus up to $300 when you get
trained, licensed and producing. (See company brochure for details.)
4. Keys to success
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Submit your IBA with $99
Show up to all training meetings
Attend pre-licensing and get insurance licensed
Go on 10-15 Field Training Observations in your first 30 days
Complete a Financial Needs Analysis to get your family’s financial game plan started
What would keep you from getting started?
DIRECT SALES
ADVANTAGES:
• HIGHER UPFRONT COMPENSATION
• NO TEAM REQUIRED
• PERFORMANCE BASED
• LINEAR INCOME
DISADVANTAGES:
• NO RESIDUAL INCOME
• SELF-EMPLOYED
• SPECIALIZED SKILLS & TALENTS
• NO GENERATIONAL OVERRIDES
FRANCHISING
ADVANTAGES:
• PROVEN SYSTEM
• CORPORATE SUPPORT
• BRAND RECOGNITION
• PRIME LOCATIONS
DISADVANTAGES:
• HUGE UPFRONT CAPITAL
• WORK LONG HOURS
• HIGH EMPLOYEE TURNOVER (300%)
• NO TRANSFER OF OWNERSHIP
NETWORK MARKETING
ADVANTAGES:
• LOW INITIAL INVESTMENT
• NO EMPLOYEES
• LITTLE TO NO BUSINESS EXPENSES
• FLEXIBLE HOURS
DISADVANTAGES:
• SELF CONSUME 85% OF THE INVENTORY
• 1000’S OF REPS TO MAKE 100’S OF DOLLARS
• MANDITORY MONTHLY AUTO-SHIP
• PERSONAL SALES QUOTA
HYBRID TURN-KEY SYSTEM
TAKE THE BEST AND LEAVE THE REST…
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HIGHER UPFRONT COMPENSATION
NO TEAM REQUIRED
PERFORMANCE BASED
LINEAR INCOME
PROVEN SYSTEM
CORPORATE SUPPORT
BRAND RECOGNITION
PRIME LOCATIONS
LOW INITIAL INVESTMENT
NO EMPLOYEES
LITTLE TO NO BUSINESS EXPENSES
NO QUOTA’S – NO DEMOTIONS
NO MONTHLY MEMBERSHIP FEE’S
Primerica
• 37-year proven track record
• #1 rank of in-force term life premium
– 4.3 million lives insured
• 2 million investment clients
– $31 billion in assets under management
• Accredited member of the Better Business Bureau
• Doing business in one of the most highly regulated industries
• Rated A+
Primerica Life’s, National Benefit Life’s and Primerica Life Insurance
Company of Canada’s financial strength is rated A+ (Superior) by A.M.
Best, the oldest and most prominent rating agency in the industry.*
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*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 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.
A Market Indicator
Primerica has replaced The
Shaw Group in the Standard &
Poor’s MidCap Index. The
change became effective
after the close of trading on
Feb. 12, according to S&P.
Companies included in the
S&P MidCap 400 must have a
total market capitalization
between $750 million and $3
billion. Primerica currently
has a market capitalization of
approximately $1.9 billion.
Referrals/Earn Your Business/Expansion
Not to be used in New York.
© 2012 Primerica/43795/1.12/11PFS648-2