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MEMORIZE THIS OPEN When you walk into the home, ask them about their family, home, and quickly get to the table! When you sit at the kitchen table, thank.

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Presentation on theme: "MEMORIZE THIS OPEN When you walk into the home, ask them about their family, home, and quickly get to the table! When you sit at the kitchen table, thank."— Presentation transcript:

1 MEMORIZE THIS OPEN When you walk into the home, ask them about their family, home, and quickly get to the table! When you sit at the kitchen table, thank them for having you there.. Before we dive in, let me ask you, what is one area of your finances that you feel you are doing a great job at? Is there an area of your finances that you feel concerned about? What are some goals and dreams that you thought you would have accomplished by now, but haven't, yet they are still VERY important to you. (WFA) Okay, Great... One of three things generally happen when we meet with families, sometimes all three. #1. Once you see the value of what we teach and fall in love with it, you'll automatically want to refer us to your friends and family that would benefit from the same information. Those referrals will be for __________ to help him/her to build his/her business, does that make sense? #2. If you see that what we do can benefit you directly, we'd love to earn your business, and put you on a better track financially. ...and finally #3 The company is expanding and we want to open up 10 new offices in Berks/Lancaster/Montgomery county alone. So you or someone you know might be looking to make an extra $500-$1500 a month working a few hours a week, or someone looking for a career change and a chance to earn a six figure income. Do you keep your options open when it comes to making more money? (WFA) Great, There are 5 different groups of people that are drawn to our company...

2 Referrals/Earn Your Business/Expansion
MEMORIZE THIS OPEN When you walk into the home, ask them about their family, home, and quickly get to the table! When you sit at the kitchen table, thank them for having you there.. Before we dive in, let me ask you, what is one area of your finances that you feel you are doing a great job at? Is there an area of your finances that you feel concerned about? What are some goals and dreams that you thought you would have accomplished by now, but haven't, yet they are still VERY important to you. (WFA) Okay, Great... One of three things generally happen when we meet with families, sometimes all three. #1. Once you see the value of what we teach and fall in love with it, you'll automatically want to refer us to your friends and family that would benefit from the same information. Those referrals will be for __________ to help him/her to build his/her business, does that make sense? #2. If you see that what we do can benefit you directly, we'd love to earn your business, and put you on a better track financially. ...and finally, we're drastically expanding at the company wants to open up 4,000 new offices in the next 10 years. So you or someone you know might be looking to make an extra $500-$1500 a month working a few hours a week, or someone looking for a career change and a shot to earn a six figure income. Do you keep your options open when it comes to making more money? (WFA) Great, There are 5 different groups of people that are drawn to our company... Referrals/Earn Your Business/Expansion

3 All of this without any national TV or radio advertising!
Our Mission: To help families earn more income and become properly protected, debt free and financially independent. 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 4 million lives insured and more than 2 million client investment accounts All of this without any national TV or radio advertising!

4 We Are the Largest Independent Financial Services Marketing Organization in North America
Auto & Home Insurance Referral Program Long Term Care Life Insurance Annuities1,3 Quotes from such companies as: Safeco and Progressive 401(k) Plans1,3 Debt Solutions1,6 Referrals by Primerica Client Services, Inc. to Mutual Funds3,5 Primerica DebtWatchers™ 1,2 Offered by Primerica Client Services, Inc. through contractual agreement with Legal Protection Managed Accounts1,4 1 Not all products/services available in all states or provinces. A representative's ability to market products from the companies listed is subject to state and federal licensing and/or certification requirements. 2 Not available to residents of Washington, D.C. 3 In the United States, securities are offered by PFS Investments Inc. (PFSI), 1 Primerica Parkway, Duluth, Georgia I. 4 PFS Investments Inc. (PFSI) is an SEC Registered Investment Adviser doing business as Primerica Advisors. PFSI is a member of FINRA and SIPC. Lockwood Advisors, Inc. (Lockwood) is an SEC Registered Investment Adviser and an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation (BNY Mellon). Pershing LLC, member FINRA, NYSE, SIPC. SEC registration neither implies nor asserts the SEC or any state securities authority has approved or endorsed PFSI or Lockwood or the contents of this disclosure. ln addition, SEC registration does not carry any official imprimatur or indication PFSI or Lockwood have attained a particular level of skill or ability. Neither Lockwood or BNY Mellon is affiliated with Primerica. 5 In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer, Segregated funds are offered by Primerica Life Insurance Company of Canada. See notes page for important company affiliations and other disclosures. 6 Neither PCS nor its representatives offer or provide services such as credit repair or improvement, debt or credit counseling, debt settlement or other similar services.

5 The Headlines Tell The Story
More than two-thirds in U.S. live paycheck to paycheck. January 23, 2013 The average American household with at least one credit card has nearly $15,950 in credit card debt (in 2012).” CNNMoney.com, viewed June 6, 2014 Nearly half of Americans have less than $500 in savings. HuffingtonPost.com, viewed June 6, 2014 1.22 million individuals filed for bankruptcy in news.uscourts.gov, viewed June 6, 2014 95 million U.S. adults have no life insurance. Lifehealthpro.com, July 8, 2013 More than half of all workers have less than $25,000 in savings and investments for retirement. Employee Benefit Research Institute 2014 Retirement Confidence Survey How real and serious are these problems?

6 “People Don’t Plan to Fail, They Fail to Plan!”
Would You Agree? “People Don’t Plan to Fail, They Fail to Plan!” The Solution: Working with a financial coach that educates and provides you with a complementary plan for you to become financially independent. The Problem: 1. No Education 2. No Coach 3. No Plan 4. Insufficient Income Who would benefit from a written financial plan? The Financial Needs Analysis answers many important questions...

7 Solution: Debt Stacking
Age 35 Retail Card 1 Credit Card 2 Car Loan Credit Card 1 Mortgage Total $220 $353 $551 $303 $1,293 $2,720 $353 $551 $303 $1,293 $2,720 $551 $303 $1,293 $2,720 $220 + $220 As each debt is paid off, you apply the amount you were paying to that debt to the payment that you were making on the next target account. $303 $1,293 $2,720 $573 + $573 $1,293 $2,720 $1,124 + $1,124 $1,427 + $1,427 $2,720 23 years to pay off debt and $214,442 in interest paid Paid off in 9 years, Age 44 (14 years sooner) Interest saved $130,643 (Age 44) Once debts are paid off, invest $2,720 each month at Retirement … Age 67 = $2.4 million Do Financial Companies Want You To Know This? If the idea of paying off your debt seems overwhelming, consider debt stacking. They say you can eat an elephant – one bite at a time. Well, the same concept works with paying off your debt! By taking into account the interest rate and amount of debt, debt stacking identifies an ideal order for you to pay off your debts. You begin by making consistent payments on all of your debts. When you pay off your first debt account, you roll that payment into the payment that you were making on the next account. These extra dollars help you reduce the effect of compound interest working against you. As each debt is paid off, you apply the amount you were paying to that debt to the payment that you were making on the next account. The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the retail card is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the $573 is applied to the ca r loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the total payment per month remains constant. The hypothetical assumes a constant nominal 9% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees, which would reduce returns. Investing begins once debts have been paid off (at age 44). 7

8 Financial Independence Number
Your financial independence number is the amount of money you need to accumulate so that when you retire you won’t run out of money and have to go back to work! You want $2,500 per month to retire today… 30 years from now, after 3% inflation… you will need $6,083 per month to buy what $2,500 buys today! “$30,000 today is $73,000 in 30 years!” Your FIN is $1,080,000 To get there, invest $585 per month for 30 years at 9% = $1,080,000 How important is it to know your Financial Independence Number? This hypothetical example assumes 20 years of retirement income needed, at a 6% post-retirement rate of return and 3% inflation. Hypothetical investment rates assume a nominal 9% rate of return, compounded monthly, and is not indicative of any specific investment. Any actual investment may be subject to taxes and fees, which would lower performance. This example shows a constant rate of return, unlike actual investments, which may fluctuate in value. It is unlikely an investment would grow 9% on a consistent basis, given current market conditions.

9 The Rule of 72… Sometimes called the Bankers Rule
Divide your interest rate into 72 to find the approximate number of years it takes for money to double! Years 3% 6% 12% 3% 6% 12% 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? $10,000 6 12 18 24 30 36 42 48 $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 $1,280,000 $2,560,000 $20,000 $40,000 $80,000 $160,000 $20,000 $40,000 Without introducing us to family and friends, how would they learn the “Rule of 72?” This table serves as a demonstration of how the Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike actual investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis.

10 Are You Giving the Government an Interest-Free Loan?
Average tax refund = $2,803 $2,803/12 months = $233/month* $233 Monthly Overpayment for 35 years (Age 35-70) If you make: 0% interest $97,860 3% interest $172,784 6% interest $331,957 9% interest $685,436 The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of return on any investment. Illustrative rates of return are nominal, compounded monthly. Rates of return are constant unlike actual investments which will fluctuate in value. It does not include fees or taxes which would lower results. *IRS.gov, December 16, 2013

11 The Rule of 72… Sometimes called the Bankers Rule
Divide your interest rate into 72 to find the approximate number of years it takes for money to double! Years 1% 6% 12% 1% 6% 12% $2,000 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? 6 12 18 24 30 36 42 48 54 60 $4,000 $8,000 $16,000 $32,000 $64,000 $128,000 $256,000 $512,000 $1,024,000 $2,048,000 $4,000 $8,000 $16,000 $32,000 $64,000 $3,634 Without introducing us to family and friends, how would they learn the “Rule of 72?” This table serves as a demonstration of how the Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike actual investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis, given current market conditions.

12 The First Step to Financial Success is Pay Yourself First
When you don’t, there’s a high cost of waiting. $100 Monthly 9% for 40 Years (Age 27-67) 27 $471,640 28 $430,040 (-$41,600) Wait 1 year ($1,200) Wait 5 years ($6,000) 32 $296,380 (-$175,260) Wait 15 years ($18,000) 42 $112,950 (-$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.

13 Four Ways to Protect Your Family
The Coverage Quadrant No Coverage Family at Risk Cash Value Insurance Protection Build Savings Limited Coverage Group Mortgage Credit Term Insurance Protection Only How do you protect your family?

14 No Life Insurance vs. Primerica Term
Uncertainty Fear Worry Primerica Term For less than $2.00 a day your family could be protected. $200,000* $100,000* $55.21 $0 John age 30 $0 Mary age 28 $0 Monthly Premium John age 30 Mary age 28 Monthly Premium (30-year Level Term, $10,000 on two children) * With IBR coverage doubles over 11 years Are you leaving your family’s future to chance? Monthly premium for primary insured age 30, non-tobacco use for 30-year TermNow policy (NBF11AA0 in New York State and PLF11AA0 or ICC11AA0 in all other US jurisdictions) and spouse, age 28, non-tobacco use for 30-year TermNow rider (NBF11AB0 in New York and ICC11AB0 or PLF11AB0 in all other US jurisdictions) plus a child rider (CPCH) of $10,000 on two children, underwritten by Primerica Life Insurance Company and in New York, National Benefit Life Insurance Company. Primerica’s affiliated life insurance companies include National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York; Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other US jurisdictions; Primerica Life Insurance Company of Canada (Head Office, Mississauga, ON) In Canada. Each company is responsible for its own obligations.

15 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?

16 Solution: Build Your Financial House
Other Goals and Dreams College Savings Debt Elimination & Retirement Emergency & Short term Savings On a scale of 1-10, 10 being the highest, how would you rate your desire to become properly protected, debt free and financially independent? Term Life Insurance & Will “A good rule of thumb is that you need between eight to ten times your annual salary in life insurance coverage.” — The Wall Street Journal, April 12, 2006 * Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details. Primerica representatives do not provide legal, tax or estate planning advice.

17 Protection & Asset Management
Bob & Mary Smith 35 & 33 years old with 2 children. Whole Life Insurance Bob’s Coverage $150,000 Mary’s Coverage $150,000 Children’s Coverage $0 Monthly Premium $298 Retirement Bank 1.5% Interest $25,000 + $100/mo Savings at 65 = $94,800 Before Primerica $398 per Month Term Life Insurance Bob’s Coverage $300,000 Mary’s Coverage $300,000 Children’s Coverage $25,000 Monthly Premium $123 Retirement Rollover IRA – Investment $25,000+$100+$175/mo Savings at age 9% $1,230,000 Same $398 per Month! After Primerica Monthly premium for cash value policies 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 or variable life, 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. 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 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 34 years at a 9% 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. It is unlikely an investment would grow 9% on a consistent basis, given current market conditions.

18 Group Insurance vs. Primerica Term
Group Coverage1 Not in control Limited coverage Portability issues Primerica Term2 You’re the owner One policy for entire family Covered until age 95 $250,000* $150,000* $66,000 $0 $22 $69.13 John age 30 Mary age 28 Monthly Premium John age 30 Mary age 28 Monthly Premium (30-year Level Term, $10,000 on two children) *With IBR coverage doubles over 11 years Which program gives better peace of mind? ACLI Life Insurance Fact Book. 2. Monthly premium for primary insured, age 30, non-tobacco use for 30-year TermNow policy (NBF11AA00 in New York State and PLF11AA00 or ICCAA0 in all other U.S. Jurisdictions) and spouse 28, non-tobacco use for 30-year TermNow rider (NBF11AB0 in New York and ICC11AB0 in all other U.S. jurisdictions) plus a child rider (CPCH) of $10,000 on two children, underwritten by Primerica Life Insurance Company and in New York, National Benefit Life Insurance Company. Primerica’s affiliated life insurance companies include National Benefit Life Insurance Company (Home Office: Long Island City, NY) in New York; Primerica Life Insurance Company (Executive Offices: Duluth, GA) in all other U.S. jurisdictions; Primerica Life Insurance Company of Canada (Head Office: Mississauga, ON) in Canada. Each company is responsible for its own obligations.

19 Cash Value Life Insurance vs. Buy Term and Invest the Difference
Investment at 70 $518,673 Cash Value Life Insurance Whole Life, Universal Life, Variable Life Buy Term and Invest the Difference SAME $298 Savings Cash Value ? ? ? $300,000* John age 35 $300,000* Mary age 33 $150,000 John age 35 $150,000 Mary age 33 $175 @9% $123 Monthly Premium $298 Monthly Premium (35-year Level Term, $25,000 on two children) *With IBR coverage doubles over 11 years Which program would you want? Monthly premium for cash value policies 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 or variable life, 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. 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 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 35 years at a 9% 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.

20 Industry Term vs. Primerica Term
What’s in Your Policy… ? Rated A+ (Superior) by A.M. Best* Term Durations up to 35 Years Industry Leading Renewal Options Industry Leading Renewal Rates Increasing Benefit Rider Terminal Illness Rider up to 70% One Child Rider Covers all Kids Liberal Child Rider Conversions Conditional Coverage Honor Clients contestability No War or Terror Clause Waiver of Premium on Primary and Spouse One Policy per Family Family Banding E-Delivery of Policies Freedom Accumulation Benefit Not All Term Life Is Created Equal * 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. For use in the U.S. only. Not for use in New York state. ©2014 Primerica/47942/14PFS255-2/8.14

21 The “Time Value” of Money
Investor A Age Annual End of Year Payment Accumulation Investor B Age Annual End of Year Payment Accumulation Individual A: Started contributing At Age 22 22 $5,500 $5,470 22 0 0 23 0 0 24 0 0 25 0 0 26 0 0 27 0 0 28 0 0 29 0 0 23 5, ,600 24 5, ,790 25 5, ,670 26 5, ,280 27 5, ,700 28 5, ,000 29 5, ,270 When is $44,000 more than $209,000? Individual A: Stopped contributing At Age 29 Individual B: Started contributing At Age 30 ,580 ,480 ,030 ,290 ,320 ,200 ,010 ,830 ,760 ,900 ,370 ,290 ,790 ,040 ,180 ,400 ,890 ,870 ,560 ,230 ,150 ,620 ,990 ,610 ,890 ,260 ,200 ,230 ,920 ,900 ,083,860 ,185,530 ,296,740 ,418,380 ,551,440 ,696,970 ,856,160 ,030,280 $44,000 $2,030,280 30 $5,500 $6,020 31 5, ,600 32 5, ,790 33 5, ,670 34 5, ,280 35 5, ,700 36 5, ,000 37 5, ,270 38 5, ,590 39 5, ,080 40 5, ,820 41 5, ,950 42 5, ,600 43 5, ,900 44 5, ,010 45 5, ,100 46 5, ,350 47 5, ,980 48 5, ,190 49 5, ,240 50 5, ,390 51 5, ,930 52 5, ,190 53 5, ,490 54 5, ,240 55 5, ,840 56 5, ,750 57 5, ,470 58 5, ,540 59 5, ,560 60 5, ,170 61 5, ,066,110 62 5, ,172,130 63 5, ,288,100 64 5, ,414,950 65 5, ,553,700 66 5, ,705,460 67 5, ,871,460 The hypothetical 9% nominal rate of return, compounded monthly, and tax-deferred accumulation shown for both IRA accounts are not guaranteed or intended to demonstrate the performance of any actual investment. Unlike actual investments, the accounts show a constant rate of return without any fees or charges. Any tax-deductible contributions are taxed and tax-deferred growth may be taxed upon withdrawal. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Assumes payments are made at the beginning of each year. Investing entails risk, including loss of principal. Shares, when redeemed, may be worth more or less than their original value. It can’t be stressed enough: the sooner you start to save, the less you will have to put away. Look at how opening an IRA today can help you secure a comfortable retirement. Individual B: Stopped contributing At Age 67 Total Contributions $209,000 $1,871,460 Total Contributions Total Accumulation At Age 67 21

22 Which would you rather be — an agent or a broker?
The Real Estate Model Agent Limited Income Potential No Security No Time Freedom 6% Broker Fee $100,000 House = $6,000 Fee Broker Unlimited Income Potential More Security Time Freedom 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% $3,000 Agent 50% $3,000 Commission Which would you rather be — an agent or a broker?

23 OR BOTH? What You Would Earn Product District RVP Overrides
Life Insurance Investments Total $700 $438 $1,138 $1541 $775 $2,316 $841 $338 $1,178 ** Override 10 Districts as above: $11,780/m or $141,360/yr + ( bonuses $17,710, trips, stock and ownership potential ) What would interest you more? Starting your own part-time business, a complimentary financial game plan OR BOTH? These estimated earnings are based on the following assumptions: Life — Custom Advantage 35 policy for primary insured, totaling $300,000 (C535) at 35-year-old non-tobacco rates and spouse, totaling $300,000 (C535) at 33-year-old non-tobacco rates, plus a child rider at $25,000 each on two children. Investment — Lump sum of $50,000 and $175 monthly saving from the life insurance example into an Equity Mutual Fund for 12 months. ** This is an example client. An actual client may result in higher or lower commissions and overrides.

24 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: worth approximately — $ Total fees vary for each state 2. Optional $25/month for your — Online Business Support System Value includes: Cell phone discount $100-$250/year 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* $4,000/year Total: worth approximately — $6,000 3. Get off to a fast start! Qualify for a $300 bonus + iPad when you get trained, licensed and producing. 4. Keys to success • Schedule an Orientation with a trainer • Show up to all training meetings • Attend pre-licensing and get insurance licensed • Go on Field Training Observations in your first 30 days • Complete a Financial Needs Analysis to get your family’s financial game plan started

25 Economic Impact of an Unexpected Death
Economic impact of Protecting your Income? 35,000 45,000 Mortgage Paid Renting Auto Loan Auto Loans Paid 165,000 Auto Loans 300,000 in savings 25,000 in savings 5,000 in savings 0 in savings Immediate Impact House hold income cut by 55% Income replaced 20,000 in funeral costs Funeral paid Year 1 Forced to sell car at a loss Read slide. Savings are gone Can not afford house – have to move school districts Year 2 Can not afford repairs on car Year 3-5 Have to move again

26 The Financial Services Company For the 21st Century
Founded in 1977 with 85 people Approximately 100,000 licensed representatives 6 million clients in the United States, Canada and Puerto Rico Largest Financial Services marketing organization in North America (PRI) Listed on NYSE All accomplished without any national TV or radio advertising!

27 The 5 Reasons People Get Involved!
Don’t like current job Looking for career change Better income potential 4. Love Helping People and making a difference. 2. Love what they do, BUT Earning extra part-time Income would make a positive difference. 5. Dream of having their own business. 3. Want a Financial Education Learn how to win the Money Game. Can you see where most people would be interested in at least one of these areas?


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