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PP/SR/33638/7.06/V6.0/02PFS344-28. The Headlines Tell The Story The Headlines Tell The Story.

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Presentation on theme: "PP/SR/33638/7.06/V6.0/02PFS344-28. The Headlines Tell The Story The Headlines Tell The Story."— Presentation transcript:

1 PP/SR/33638/7.06/V6.0/02PFS344-28

2 The Headlines Tell The Story The Headlines Tell The Story

3 3

4 3 Key Roles Associate Role – Flextime Role – Part-Time & Full Time Managers 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! *Primericas 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,


6 PP/SR/33638/7.06/V6.0/02PFS 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 PP/SR/33638/7.06/V6.0/02PFS We Are a One-Stop Financial Supermarket Primerica DebtWatchers Offered by Primerica Client Services, Inc. through contractual agreement with ® Life Insurance Debt Solutions 1,2 Legal Protection Long Term Care Auto & Home Insurance Referral Program Mutual Funds 3,5 Quotes from such companies as: Travelers Safeco Progressive See endnotes pages for important disclosure. Managed Accounts 1,4 401(k) Plans 1,3 Annuities

8 PP/SR/33638/7.06/V6.0/02PFS We Are the Largest Independent Financial Services Marketing Organization in North America 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 Aflac 2 Allstate 3 State Farm 4 MetLife 5 Torch- mark 6 MSSB 7 BAML 8 Edward Jones 9 Ameri- prise 9 Raymond James 9 Insurance Agents Brokers Financial Advisors ~92 Sales Force (in thousands) 1 Primerica Life Licensed Reps Primerica Mutual Fund Licensed Reps

9 PP/SR/33638/7.06/V6.0/02PFS Listed on the New York Stock Exchange (PRI) Most Successful IPO of 2010Primerica

10 PP/SR/33638/7.06/V6.0/02PFS Mission Statement:.

11 PP/SR/33638/7.06/V6.0/02PFS The Headlines Tell The Story Six in 10 workers say that they are living paycheck to paycheck. 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. Bankruptcies topped 1.5 million in 68 million Americans have no life insurance. 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 PP/SR/33638/7.06/V6.0/02PFS People After Working From Age 25 - Age people at age 65: 54% dependent 36% working 5% deceased 4% OK ($1 million) 1% wealthy ($5 million) Why do 95% fail when it comes to their finances? 1. No Financial Education 2. No Financial Game plan 3. No Financial Coach Source: SmartMoney 1%1% 4%4% 36 % 5%5% 54 %

13 PP/SR/33638/7.06/V6.0/02PFS WHAT WE BRING TO THE TABLE 1- Knowledge & Education We Teach How Money Works You cant win the Money Game You cant win the Money Game unless you know the rules! unless you know the rules!

14 PP/SR/33638/7.06/V6.0/02PFS WHAT WE BRING TO THE TABLE Licensed and Trained Licensed and Trained Representatives use a Team approach to help families reach their goals 2- A Financial Coach

15 PP/SR/33638/7.06/V6.0/02PFS Shouldnt Everyone have a Financial Needs Analysis (FNA)? The Solution: A Financial Needs Analysis (FNA) A customized, confidential, complimentary program that helps achieve your goals & dreams. The FNA provides Solutions in… SavingsSavings Income ProtectionIncome Protection Debt EliminationDebt Elimination Income ManagementIncome Management Tax ManagementTax Management The Problem: Traditional financial institutions sell you products, they dont provide you with a total solution. WHAT WE BRING TO THE TABLE 3 - A Financial GPS…the FNA

16 PP/SR/33638/7.06/V6.0/02PFS Before PrimericaAfter Primerica District Leader Regional Leader Regional VP Debt: 24 years left on $165,000 1 st mortgage $13,000 on 3 credit cards; payoff in 58 years Debt: 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 Life Insurance: $300, 000 of life insurance on Bob & Susan and $25,000 on the children. Total monthly cost: $108. Saved: $142 per month. $456$638$866 Auto & Home: Bob & Susan were paying $243 per month for auto and home insurance. Auto & Home: 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. Legal Protection (PLPP): 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 Retirement: Rolled over IRA into mutual funds. Monthly contributions increased to $500 ($250 each). Accumulated savings at 10% at age 65 = $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 DistrictRVP Override What if you had 10 District Leaders helping One family a month each? $1,051$1,297 Bob & Susan Smith 35 & 34 Years Old with 2 Children CHANGING LIVES HAS ITS REWARDS RVP Overriding a District $2,348

17 PP/SR/33638/7.06/V6.0/02PFS What You Would Make ProductDistrictRegionalRVP Freedom Financial Network (Primerica Enrich) coming Primerica DebtWatchers Life Insurance (avg program) Auto & Home (avg savings $478) Investments ($50,000) Total Building Outlets = Security + Freedom $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 >>>>>>>> $40,800 $95,760

18 PP/SR/33638/7.06/V6.0/02PFS We Offer Three Ways to Make More Money: 1.Non Licensed -Part-time $800+ per month $1600+/mo (Based on 2 families/wk) 2. Part Time 2. Part Time (obtain a License) $1600+ per month $3200+/mo (Based on 2 families/wk) 3. Business Ownership 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 PP/SR/33638/7.06/V6.0/02PFS 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 PP/SR/33638/7.06/V6.0/02PFS Traditional Career Path vs. PRI System Years High School College 2-5 years Cost $10,000/yr public 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 TRADITIONAL PRI SYSTEM

21 PP/SR/33638/7.06/V6.0/02PFS Since 1977 New Since 2000 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 5,501 2, ,963 1, 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 representatives 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. 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? ?

22 PP/SR/33638/7.06/V6.0/02PFS 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? What Category are you?

23 PP/SR/33638/7.06/V6.0/02PFS 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? Whats the Next Step?

24 PP/SR/33638/7.06/V6.0/02PFS344-28

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