Before you start – Tell them it is your role to identify the candidates who Primerica
will invest a substantial amount of assets in licensing and training and it is your
responsibility to identify those individuals for the company.
Tell me a little about yourself. Are you from the area originally?
Brothers? Sisters? Married? Any kids?
Tell me about your accomplishments, but do me a favor, please put your modesty card
in your pocket.
Walk me through your career since leaving school.
What qualities should a successful leader possess?
How do you go about continuing to develop your professional skills and knowledge?
Tell me what motivates you?
What frustrates you about your current job?
What are your financial goals?
The Five Reasons People Desire A Change
1
2
3
4
5
Don’t like
current job –
looking for a
career change,
better income
potential
Love what they
do, but earning
extra parttime income
would make a
difference
Want financial
education –
learn how
to win the
money game
Love helping
people and
making a
difference
Dream of
having
their own
business
Can you see where most people would be
interested in at least one of these areas?
2
What Side Do You Want To Be On?
Employee
• Has a job.
• Income based on position,
not the person.
• Income is fixed.
• Boss controls your lifestyle.
Business Owner
• Owns a system.
• Has others working with them.
• Unlimited income potential via
franchising, inventions,
manufacturing.
Self-Employed
• Owns a job.
• Examples: baker, lawyer, dentist, real
estate agent, blogger.
• Must be personally involved to
increase income and grow.
Investor
• Has money working for them.
• Enjoys complete freedom.
• Lives the dream.
Adapted from The Cash Flow Quadrant, CASH FLOW Technologies, Inc.; used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies, Inc.
For informational purposes only.
3
Which Plan Do You Prefer?
4
20 years
40-50 years
10-15 years
Education
90% work at a job
Freedom —
retirement
20 years
5-10 years
Education
10% build
a business
40-50 years
FREEDOM
On a Scale of 1-10, How Important Are Your Goals?
If your income isn’t enough to achieve your current goals and dreams,
you have three choices:
Give up on your
goals and dreams.
5
Ask your boss
for a major raise.
Do something in addition
to your current career.
Today’s Financial Challenges
Nearly half of Americans have less than $500 in savings.
— HuffingtonPost.com, viewed July 11, 2014
The typical American household made less money last year
than the typical household made a full decade ago. – New York Times (2014)
95 million U.S. adults have no life insurance.
— Lifehealthpro.com, July 8, 2013
The average American household with at least one
credit card has nearly $15,950 in credit card debt (in 2012).
— CNNMoney.com, viewed July 11, 2014
76% of Americans live paycheck-to-paycheck.
Money.CNN.com, June 24, 2013
How real and Serious are These Problems?
7
Some of the Well-known Companies We Do Business With
9
The Rule of 72
Years
0
Divide your interest rate into 72 to find the
approximate number of years it takes for money to double!
1%
6%
$2,000
$2,000
$4,000
12
$8,000
$16,000
18
24
$8,000
30
$32,000
$64,000
36
$16,000
$128,000
$256,000
42
48
$32,000
54
10
$2,000
$4,000
6
60
12%
$512,000
$1,024,000
$3,634
$64,000
$2,048,000
• 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?
The First Step to Financial Success is
Pay Yourself First
When you don’t, there’s a high cost of waiting.
$100 Monthly Savings @ 9% for 40 Years (Age 27-67)
27
Wait 1 year
($1,200)
28
Wait 5 years
($6,000)
32
Wait 15 years
($18,000)
42
$471,640
$430,040
$296,380
$112,950
(-$41,600)
(-$175,260)
(-$358,690)
Who are people hurting if they wait?
Rates of return are constant and nominal rates, compounded monthly. Contributions are assumed to be made at the beginning of the month. The chart above is not
indicative of any particular investment or savings vehicle where rates of return fluctuate. It does not take into consideration taxes or other applicable deductions, which
would lower results.
Start Part-Time
District Leader
13
Employee vs Business Owner
Real Estate Agent
Broker
Plumber/Electrician
General Contractor
Hairstylist
Salon Owner
Sandwich Artist
Franchise Owner
Representative
RVP
Which would you rather be an employee or a business owner?
Regional Vice President: Full Time
Personally help
one family.
15
Team :
7 District leaders
Each helping one family
each month.
Build a Business at Primerica
WHEN
You Want
• Set your own hours and
keep your own schedule.
• When you work is up
to you.
• Start part-time with no
risk to your current career.
WHERE
You Want
• Have unrestricted
territory, move and
live where you
want.
HOW
You Want
• You have the opportunity
to earn as much as you
want with no caps on
what you make.
WITH
People You Want
• Work with a Partner.*
• They can be a spouse,
family member or friend.
• It’s more fun to do
meaningful work with
people you care about.
• Keep a healthy
work/life balance.
16
What’s Worse?
Pain of Change
OR
Pain of Regret
17
Next Steps
18
1
2
3
Fill out your
application and
qualify to work
with Primerica.
Book a time
to review your
own financial
game plan.
Get your business
plan set up, start
field training and
get on the road to
financial freedom.
Why Should Primerica Invest in Your Future?
Is there any logical reason preventing you from getting started, at least part-time?
Final Questions:
Why should Primerica invest over a $1,000 in getting you started?
What are the three most important attributes or skills that you believe you
would bring to our company if we hired you?
Would you consider yourself coachable? – Everyone says yes
Give me an example of when you didn’t listen to coaching and what was the negative
result? After they struggle through that – ask them the opposite.
What is your greatest failure, and what have you learned from it?
You are in debt, have nothing saved, you living check to check, you job has 0
opportunity do you want the night mare to end? What other real options do you
STEAM THEM NOW!
have?
Our Next Step…