2. The Headlines Tell The Story

4. 3 Key Roles Associate Role – “Flextime” Role – Part-Time & Full Time
Manager’s Role – Supervise & Train Teams of Associates
Broker/Owner Role – Required in Financial Services Industry in North America
Our Company is expanding offices throughout the United States and we are in the interviewing and building process right now!
We have 3 roles we are interviewing for . . .
Associate Role
Management Role
Broker/Owner / VP Role
Associate role for us is a “flex time” role. What I mean by that is that we have people that do it both part-time and full-time.
We have a manager’s role – a Manager’s responsibility is to supervise and train teams of associates.
And then we have a Broker’s Role. (And this is the financial services industy) so each office is run by a Broker. (In North America they are required to be run by a Broker/Owner).
So we are developing people in all three areas.
We are in the interviewing process at this point – we are in the building process of a function of our recent IPO. We are listed on the New York Stock Exhange as of April 1, 2010 as PRI I’m going to play a video that’s going to give you some background on that and then we’ll get into it.
*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, Executive Offices: 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,

5. WHO WE ARE? WHAT WE DO? OPPORTUNITY WITH US?
We have 3 roles we are interviewing for . . .
Associate Role
Management Role
Broker/Owner / VP Role
Associate role for us is a “flex time” role. What I mean by that is that we have people that do it both part-time and full-time.
We have a manager’s role – a Manager’s responsibility is to supervise and train teams of associates.
And then we have a Broker’s Role. (And this is the financial services industy) so each office is run by a Broker. (In North America they are required to be run by a Broker/Owner).
So we are developing people in all three areas.
We are in the interviewing process at this point – we are in the building process of a function of our recent IPO. We are listed on the New York Stock Exhange as of April 1, 2010 as PRI I’m going to play a video that’s going to give you some background on that and then we’ll get into it.

6. 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

7. We Are a One-Stop Financial Supermarket
Debt Solutions1,2
Life Insurance
Managed Accounts1,4
Annuities
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.

8. Primerica Life Licensed Reps Primerica Mutual Fund Licensed Reps
We Are the Largest Independent Financial Services Marketing Organization in North America
Aflac2
Allstate3
State Farm4
MetLife5
Torch- mark6
MSSB7
BAML8
Edward Jones9
Ameri- prise9
Raymond James9
Insurance Agents
Brokers
Financial Advisors 5 11 13 17 18 7 36 73
~92
Sales Force (in thousands) 1
Primerica Life Licensed Reps
Primerica Mutual Fund Licensed Reps
Source: company filings and websites. Data as of December 31, 2010 unless otherwise noted
(1) Size of life sales force as of March 31, Approximately 22,500 sales representatives are also licensed to sell mutual funds in North America as of December 31, 2010
(2) Aflac U.S. licensed sales associates
(3) Number of licensed sales professionals
(4) Number of agents
(5) Total number of sales representatives as of September 30, 2010
(6) Number of producing exclusive and independent agents
(7) Global representatives
(8) Number of wealth advisors
(9) Number of financial advisors

9. Listed on the New York Stock Exchange “Most Successful IPO of 2010”
Primerica
Listed on the New York Stock Exchange
(PRI)
“Most Successful IPO of 2010”

10. Mission Statement:
Help Families Earn More Income and Become Properly Protected, Debt Free and Financially Independent. .

11. 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?

12. 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

13. 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!”

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

15. 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 a Financial Needs Analysis (FNA)?

16. CHANGING LIVES HAS ITS REWARDS
Bob & Susan Smith 35 & 34 Years Old with 2 Children
Before Primerica
After Primerica
District Leader
Regional Leader
Regional VP
Debt:
24 years left on $165,000 1st mortgage
$13,000 on 3 credit cards; payoff in 58 years
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 ($0 extra in payment)
$50
$52
$57
Life Insurance:
$100,000 of cash value life insurance on both Bob & Susan and $0 on the children
Total monthly cost: $250
$300, 000 of life insurance on Bob & Susan and $25,000 on the children. Total monthly cost: $ Saved: $142 per month.
$456
$638
$866
Auto & Home:
Bob & Susan were paying $243 per month for auto and home insurance.
Saved: $65 per month on their auto and home insurance.
$84
$93
$127
Legal Protection (PLPP):
Bob & Susan had no will, and no access to a respected, full-service law firm.
Bob & Susan get a will, and access to a respected, full-service law firm.
$80
$100
$125
Retirement:
Bob & Susan had $20,000 in an IRA at the bank earning 3% with $100 per month contributions. Accumulated savings at age 65 = $107,410
Rolled over IRA into mutual funds. Monthly contributions increased to $500 ($250 each). Accumulated savings at 10% at age = $1,527,000.
$350
$420
$620
Bottom Line;
Increased retirement contributions by $400/month.
Saved $403 in monthly budget.
$1,854
$2,905
$4,202
A or B
RL Overriding a District
RVP Override
What if you had 10 District Leaders helping One family a month each?
$1,051
$1,297
RVP Overriding a District
$2,348

17. Building Outlets = Security + Freedom
What You Would Make
Product
District
Regional
RVP
Freedom Financial Network (Primerica Enrich) coming
Primerica DebtWatchers™
Life Insurance (avg program)
Auto & Home (avg savings $478)
Investments ($50,000)
Total
$50
$400
$84
$787
$1321
$52
$560
$93
$956
$1,661
$57
$880
$127
$1395
$2,459
Get paid to build outlets $ $
Team-10 clients/month >>>>>>>> $40, $95,760
Building Outlets = Security + Freedom

18. 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.

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. 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

21. A Track Record of Success
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
5,501
2,632 63 17 1
2,963
1,510 32 6 1
In 2011, Primerica paid more than a half a billion dollars to its sales force.
With this track record, what would prevent you from pursuing this opportunity? ?
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 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, an average of $5,544 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.

22. 1- Making $ - Part-time – Full -Time
What Category are you?
1- Making $ - Part-time – Full -Time
2-Saving $- FNA roadmap for success
3-Both Making & Saving $
4-Not Interested now but open to refer others to hear about Primerica
Who do you know that would benefit from hearing about what Primerica does to help families?

23. 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
If you Qualify you can receive up to a
$500 Bonus and over $1500 in training fees paid for.
Is there anything in your background that would prevent you from qualifying?