PRIMERICA We Focus on the middle income families because they need help the most Been around since 1977 (40 years) We have over 100,000 licensed agents: PRI Rated A+ (Superior) by A.M. Best - Insurance rating agency

Usually when we show people what we do. 1.Like what we do but already taken cared of or timings not right Yet they know others and they’re happy to refer us. 2.See a benefit and well offer a solution after doing A free FNA for them. A service Everyone should take advantage of. 3.Looking for extra income or different career If so well talk about how to work with us.

Things we help families with: 1.Retirement: (Mutual Funds) Safest investments for their diversification Historically high interest rates $25 to start an account with us 3.Coverage Programs (Auto Home and Life Insurance) We don’t have a high regard for the life industry as a whole, they've taken a big need, and sold it very deceptively, to middle income families. We find when we sit down with families that have coverage, they’re either paying way too much, or have the wrong type of coverage. 2.Debt: Today people are drowning in debt We have solutions for eliminating debt in our FNA program at no cost to our client. Something everyone should get.

Many people fail financially because they don’t understand becoming an owner. Most people are loaners. They put their money in what they consider “safe”, usually cash value or a bank. But here’s what happens. The bank takes their money, and invest it in the economy. They get high interest rates and pay you a low interest rate, around 1% Don't be a loaner to the bank, they’re making profit off your money. If you want your money to work for you. You must learn to Bypass the Middleman.

The Rule of 72 Concept Albert Einstein once said Compound Interest is the most powerful force in the universe. If you saved $200 a month, after 35 years, your money would have grown to $1.3 million at 12% interest. We teach people Financial Planning (How to save $1 million dollars by retirement) Years3%6%12% Dividing 72 by 0$2,000 the interest rate 6$4,000 12$4,000$8,000 ÷ 7218$16,000 24$4,000$8,000$32,000 equals the 30$64,000 number of years 36$16,000$128,000 it takes your 42$256,000 money to double. 48$8,000$32,000$512,000

Time is the most valuable asset in you life If you started at 25 to invest $250/mo at 9% ROR you would have $1,179,108 by age 65 But if you started at 35 to invest $250/mo at 9% ROR you would have $461,119 by age 65 Just waiting 10 years it would of cost you $717,989 Don’t pay the high cost of waiting

Legal Protection Program Includes a free Will and Probate assistance Power of attorney Help with IRS issues Traffic tickets Advice on buying or selling a home And all other legal assistance

Here’s an example of how we help families. - Agents sell Whole Life because it pays 3 times more than Term - And companies like to sell it because THEY make the $430,000 Jack (35)Dory (32) A) Whole Life Policy $250/month$150,000 Cash 65 B) Term Policy $99/month$300,000 Cash Value-0- $150/month invested in a mutual fund at 12% 65

In the early years, the coverage needed is typically higher because responsibilities are higher. But thru time, the coverage needed will decrease. At the same time their savings will grow. Eventually becoming Self-insured. Eliminating their coverage need. Meaning they’re no longer dependent on life insurance because they’ve accumulated enough money in their savings and investments, to take care of their family. We recommend Term coverage because it’s far less expensive, then put the money saved in an investment account, so that you get a much better interest rate of return. This is the opposite of what the life insurance industry wants you to do. They rather you pay for insurance your whole life. But if you think about it, who really wins most if you pay life insurance forever? They do. We use a Financial Needs Analysis to help our clients become Debt free, properly protected and financially independent. Most companies charge for this service, we provide it for free. Can you see how much families need a program like this done?

How We Get Paid District$99/month PolicyAuto + HomeHelping 1 Family (50% Position)$600$60 + $40$700 (WWYD) Local Representatives Alvin Rutherford – RVP ClovisLenny Puente – SVP FresnoFrancisco Del Rio – RVP Visalia Joined Company: 1999Joined Company: 2001Joined Company: 2012 Income: $238,000Income: $284,000Income: $105,000

Were looking to grow significantly. Did you see anything that peaked your interest at all? If so let’s get some quick information and put something together to see if we can find a personal benefit for you.