2. Traditional Career Path vs. PRI System
18-19 Years High School
College 2-5 years
Cost $10,000/yr public
21-22 yrs of age
Internship: 6 months
Min Wage or Pro bono
JOB: $30,000/yr
Bottom 90%
Takes a very long-time
Might get lucky!
100,000 Licensed Reps
> 20,000 Securities Reps
5,000 Financial Advisors
> 4,000 Reg. Vice Presidents
> 2,600 $100,000+ income
TOP 10% of Income Earners
E-mentality/ B-mentality
COACH SYSTEM: days
Education->Training-> Business
RVP in 9-18 Months

3. Two Fundamental Questions:
Why Financial Services?
Why Primerica?

8. Track Record of Success With Momentum
Cumulative Number of Earners
Personal Income
Over $50,000
Over $100,000
Over $1 million
Over $2 million
Over $5 million
Since 1977
New Since 2000
5,392
2,562 63 17 1
2,854
1,440 32 6 1
What would interest you more?
Starting your own part-time business, a complimentary financial game plan
OR BOTH?
These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point during their affiliation with a Primerica Company, beginning in 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. The cash flow categories are not intended to demonstrate earnings of typical representatives. In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to its sales force at an average of $5,296 per licensed representative. Most representatives do not reach the levels illustrated. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

9. Primerica The largest independent financial services marketing
organization in the world – over 100,000 representatives
Serves more than six million clients in the United
States and Canada
In business since 1977
The largest mutual fund sales force in North America

10. We Are a One-Stop Financial Supermarket
Life Insurance
Managed Accounts1,4
Annuities
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.

11. Listed on the New York Stock Exchange
Primerica
Listed on the New York Stock Exchange
(PRI)

12. Properly Protected and Financially Independent.
Mission Statement:
To Help Families Become
Debt-Free,
Properly Protected and
Financially Independent.

13. The Headlines Tell The Story
Six in 10 workers say that they are living paycheck to paycheck. CareerBuilder.com Survey
“Average credit card debt among households with balances on their cards: $15,788.” AARP Bulletin
More than half of Americans have no emergency savings. Time.com
Bankruptcies topped 1.5 million in CNNMoney.com
68 million Americans have no life insurance. LifeHealthPro.com
More than half of all workers have less than $25,000 in savings and investments for retirement. Employee Benefit Research Institute 2012 Retirement Confidence Survey
How Real and Serious are these problems?

14. 100 People After Working From Age 25 - Age 65
36% 5%
100 people at age 65:
54% dependent
36% working
5% deceased
4% OK ($1 million)
1% wealthy ($5 million) 4% 1%
54%
Source: SmartMoney
Why do 95% fail when it comes to their finances?
1. No financial education
2. No financial game plan
3. No financial coach

15. WHAT WE BRING TO THE TABLE
1- Knowledge & Education
We Teach How Money Works
You can’t win the money game
unless you know the rules!

16. WHAT WE BRING TO THE TABLE
2- A Financial Coach
Licensed and Trained Representatives use a Team approach to help families reach their goals

17. WHAT WE BRING TO THE TABLE
3 - A Financial GPS…the FNA
The Problem:
Traditional financial institutions
sell you products, they don’t provide you
with a total solution.
The Solution:
A Financial Needs Analysis (FNA)
A customized, confidential, complimentary program that helps achieve your goals & dreams.
The FNA provides
Solutions in…
Savings
Income Protection
Debt Elimination
Income Management
Tax Management
Shouldn’t Everyone have an Financial Needs Analysis (FNA)?

18. An Example of How We Help Families Bob Smith, Age 35 & Wife Susan, Age 33 Have Two Children
BEFORE
Debt
24 years left on $165,000 1st mortgage
$13,000 on 3 credit cards; payoff in 58 years
Life Insurance2
$150,000 coverage on Bob
$150,000 coverage on Susan
No protection for kids
Monthly cost: $298*
Auto & Home
Bob & Susan paying $243 per month for Auto & Home Insurance
Retirement
$20,000 in IRA at bank earning 3% with $100 per month contributions
Accumulation @ age 65 = $107,000
AFTER
Debt1
Customized Primerica DebtWatchers™ Fast Pay Plan allows all debt to be paid off in 20 years
Saves 4 years of mortgage payments and over $56,000 in total interest (with $0 extra in payment)
Life Insurance3
$300,000 coverage on Bob
$300,000 coverage on Susan
$25,000 coverage on each child
Total monthly cost = $123
Saving $175 per month
Auto & Home
Saved them $65 per month for Auto & Home Insurance policies
Retirement3
Roll over IRA into Mutual Funds
Monthly contributions increased to $300
Accumulated savings at 10% at age 65 = $1,080,000
Offices, Duluth, GA. Term insurance provides a death benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 30 years at a 10% 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
*Term insurance provides a death benefit and its premiums can increase at certain ages. 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 premiums increase after initial premium periods.
1. Based on the assumption that the consumer makes minimum monthly payments, the APR for the mortgage is 6.0% and the APR on each of the three credit cards is 19.8%. Assumes no additional debt is incurred. 2. Monthly premium is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33, standard risk. Cash value life insurance can be universal life, whole life, etc., and may contain benefits in addition to a death benefit, such as dividends, interest, or cash value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. 3. Primerica monthly premium for age 35, non-tobacco use for 35 year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35 year Custom Advantage rider (C5SR), both with rates guaranteed for 20 years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Executive

19. Our Challenge Our challenge is not our competitors.
It is not a lack of market.
Families are desperate “what we do”.
Our Challenge:
We need more people to serve this market and help these families.

20. We Offer Three Ways to Make More Money:
Non Licensed -Part-time
$800+ per month $1600+/mo
(Based on 2 families/wk)
2. Part Time (obtain a License)
$1600+ per month $3200+/mo
3. Business Ownership (Fully Licensed)
$6000-$10,000+ per month
(Based on 2 personal families/wk with a team of 5 that also do 2 /wk each.)
Fast Start Bonus
You can earn a potential $500 getting started with us.
In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 per licensed representative.

21. Helping People = Making Money
What You Would Make
Product
District
Regional
RVP
Non-Licensed (Pre-Launch)
Primerica DebtWatchers™
Life Insurance
Auto & Home
Investments
Total
$50
$400
$84
$468
$1002
$52
$560
$93
$568
$1,273
$57
$760
$127
$829
$1,773
Override $ $
Helping People = Making Money

23. Primerica: Where Dreams Come True
Take Action
Complete an FNA and put your own financial program in place
Take the first step toward financial independence
If you like helping people and are willing to learn, find out what the next step is to qualify

24. What’s the Next Step? Schedule a follow-up appointment with a manager
At the follow-up interview you can expect:
1. Review everything
2. Answer your questions
3. Ask you about your background, skills, & ambitions, etc.
4. If there is a mutual interest, we will fill out background information
Is there anything in your background that would prevent you from qualifying?