Builders Compensation

Builders Compensation
The Greatest Compensation System Ever Designed

Total Payout to the Field
190% Total Payout to the Field The biggest contract in company history Primerica has never paid more money per $1 of premium. Plus… Equity Plus… Ownership See last slide for important information on bonuses and Primerica’s Ownership opportunities.

Unprecedented in Financial Services
No other company in the financial services industry pays 190% to the field. No other company does what’s right for the consumer 100% of the time. There is NO other company like Primerica.

It All Starts with… The Fast Start Bonus
3x3 in 30 days = $300 30-Day Activity from IBA Date Requirement Time Frame Payment 1x1 Complete PFSU 60 days $100 + 2x2 Pass Notice Received 90 days $200 = 3x3 Total $300 Gets new recruits in the field immediately Creates momentum on the front end to drive your business Continuous activity and momentum in the Base Shop Drives BOTH field training and licensing activity See POL for program details and for Fast Start Bonus Supplement at POL Home tab/Compensation/Bonuses.

Fast Start Bonus Special Requirements Canada Puerto Rico Quebec Guam
1x1 in 30 Days From IBA Date $100 Bonus When You Complete Prelicensing (Max. 60 Days) Additional 2x2 in the Same 30 Days Get an Additional $200 When Licensed (Max. 120 Days) Puerto Rico 1x1 and Get Temp Licensed in 30 Days From IBA Date Get $100 Bonus Get an Additional $200 When Permanent License Issued (Max 220 Days) Quebec $100 Bonus When You Register and Pay For Mutual Fund Class (Max. 90 Days) Get An Additional $200 Bonus When Mutual Fund Licensed (Max. 120 Days) Guam $100 When You Get Licensed (Max 90 Days) 2x2 in the Same 30 Days Get an Additional $200 Bonus When Licensed (Max 90 Days) West Virginia In West Virginia, FTO credit is given for observing the presentation of an FNA; a copy of the FNA cover page must be submitted with the West Virginia — FTO form (FTO-WV). See POL in the Fast Start Bonus section for additional details.

Biggest Base Shop Commission Contract Ever
Level Writing RVP Spread Rep 25% 85% Sr. Rep 35% 75% DIS 50% 60% DIV RL 70% 40% SRL 80% 30% RVP 110% Total Base Shop Payout Huge spread up to 85% on your Base Shop Massive cash flow opportunities for RVPs who build big Base Shops See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Qualify for Base Shop Bonus at $10,000
Plus 10% Base Shop Bonus Level Writing RVP Spread Rep 25% 85% Sr. Rep 35% 75% DIS 50% 60% DIV RL 70% 40% SRL 80% 30% RVP 110% Qualify for Base Shop Bonus at $10,000 10% Total Base Shop Payout 120% Qualify based upon one month of $10,000 or a rolling 3-month total of $30,000. Focus on building a Base Shop that builds RVPs, not just a monthly bonus. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

20x20 Base Shop Bonus Objectives Requirements To Qualify Reward
Have an incentive to stretch at month end. Incent Base Shops to build teams that can produce RVPs. Incent production of recruits and premium to get better quality business. Incent a healthy big Base Shop mentality — The Ultimate RVP Factory. Requirements To Qualify $20,000 Base Shop Premium and 20 Base Shop recruits in one month or Average 20x20 over a rolling 3 months Reward Increase to a 20% Total Base Shop Bonus See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Focus on Building a Business
It all could start if you only do this — recruit 4 who get 2 who get 1: YOU Grow your team every month so you can do 20x20 from now on.

Focus on Building a Business
Explode your business by getting your new recruits engaged with the Fast Start Bonus. YOU Now you have a system to grow and build your business. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

20% Base Shop Bonus Mentality
Focus on building and retaining new recruits. Focus on building new legs. Focus on building a team: Grow meeting attendance. Grow recruiting. Grow premium. Grow advancements. Grow cash flow. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Base Shop Payout to the Field
130% Base Shop Payout to the Field 10% raise on Base Shop compensation. The perfect balance between bonuses and points. The biggest Base Shop commission payout in company history. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Build an RVP Factory There has never been anything like the Primerica 130% Base Shop payout. You can earn more money than ever bringing a new RVP into the business — huge spread. There has never been a better time to build strong, profitable RVPs.

Massive Generational Override Commissions
Level Overrides 1st 15% 2nd 10% 3rd 5% 4th 1.75% 5th 0.75% 6th Total Generational Overrides 33.25% It pays to build RVPs through 6 Generations. The more RVPs you build, the BIGGER your bottom line. No other company pays generational overrides like Primerica. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Leadership Development Bonus
Bonus on 1st Generation RVPs Bonus Qualification Requirements (1-month or 3-month Average) Cumulative Leadership Bonus* Qualify as an RVP $10,000 Base Shop 10% Qualify as an SVP $50,000 Thru 1st + $10,000 Base Shop 17% Qualify as an NSD $100,000 Thru 2nd + $10,000 Base Shop 21% Qualify as an SNSD $250,000 Thru 3rd 23% You always get the Bonus you qualify for at 1st Generation — from RVP to SNSD. You make more money by growing your business and helping every RVP to SNSD on your team qualify for their bonuses. All non-qualified bonuses will automatically roll to the next qualified upline and stay within the hierarchy at 2nd and at 3rd. Every leader should be focused on their next Qualified Promotion. * Cumulative bonus rate if qualify for all lower levels, too. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Power Builders Bonus Objectives Requirements To Qualify Reward
Reward builder who is producing 1st Generation premium. Pay based on either thru 1st or at 1st premium If you qualified for the 20x20 Base Shop bonus you are paid on your at 1st premium Requirements To Qualify Qualified SVP or above Average $20K Base and $75K through 1st Based on a rolling 3 or 12 month average base shop Or qualify as a “QSNSD builder” Reward All 20 x 20 base shop qualifiers receive 7.5% bonus at 1st Other Power Builder qualifiers receive 7.5% bonus thru 1st See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Power Builders Bonus Bonus on 1st Generation RVPs Bonus Qualification Requirements (1-month or 3-month Average) Cumulative Leadership Bonus* + 7.5% Power Builders Bonus Qualify as an RVP $10,000 Base Shop 10% — Qualify as an SVP $50,000 Thru 1st + $10,000 Base Shop 17% 24.5% Qualify as an NSD $100,000 Thru 2nd + $10,000 Base Shop 21% 28.5% Qualify as an SNSD $250,000 Thru 3rd 23% 30.5% SVPs and up should focus on running a 20x20 Base Shop. Stretch to become a Power Builder and grow your Bonuses by an additional 7.5%. Be on a mission to advance 1st Generation RVPs. * Cumulative bonus rate if qualify for all lower levels, too. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Awesome 1st Generation Bonuses and Overrides
Bonus on 1st Generation RVPs Bonus Qualification Requirements (1-month or 3-month Average) Cumulative Leadership Bonus* + 7.5% Power Builders Bonus + 15% Overrides At 1st Qualify as an RVP $10,000 Base Shop 10% — 25.0% Qualify as an SVP $50,000 Thru 1st + $10,000 Base Shop 17% 24.5% 39.5% Qualify as an NSD $100,000 Thru 2nd + $10,000 Base Shop 21% 28.5% 43.5% Qualify as an SNSD $250,000 Thru 3rd 23% 30.5% 45.5% Maximize Compensation: Focus on your next Qualified Promotion. Get a huge payout for producing 1st Generation RVPs. * Cumulative bonus rate if qualify for all lower levels, too. See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

Qualified SNSD Builders Bonus
Objectives Pay an Additional Bonus to leaders who produce 2+ direct Qualified SNSDs. Incent these leaders to continue to build. Have people aspire to be Qualified SNSD builders. Requirements To Qualify Must be a Qualified SNSD Produce 2 Direct Qualified SNSDs Average $75,000 Thru 1st and $300,000 Thru 2nd Based on a rolling 3 or 12 month average Thru 1st Reward 5% Bonus on net At 2nd premium Thru 2nd minus Thru 1st to determine gross at 2nd and then net using Thru 2nd QBI 7.5% on net At 1st Note: Do not double pay if QSNSD builder already qualified for Power Builder Bonus See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

The Greatest Compensation System Ever Designed
Fast Start Bonus — drives field training and licensing Largest Base Shop Contract ever — 110% Biggest Base Shop Payout in history — 130% Unmatched Generational Overrides — 33.25% Revolutionary Leadership Development Bonus — up to 23% for SNSDs Power Builders Bonus — additional 7.5% at 1st Awesome combination of Bonuses and Overrides — up to 45.5% for SNSDs on their 1st Generation RVPs forever Qualified SNSD Builders Bonus — 5% on net at 2nd premium 190% + Equity + Ownership See important notes on slide 31. Also, see POL for bonus program details at POL Home tab/Compensation/Bonuses.

$63,527 It Pays to Become an RVP
Fact: You make more money as an RVP — even after replacement. $20k Base Shop Regional Leader* $63,527 Advance to RVP, make a $10k replacement… *Assumes generating monthly premium of $5,000 in personal, District Leaders generating $5,000 and Division Leaders generating $10,000, yielding $3,444/mo. in life commissions; $1,850/mo. in securities commissions, for total commissions of $5,294/mo. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

10x10 — $100,000 RVP RVP with $10k Base Shop and $5k Personal
As a 10x10 RVP, you start building your own RVP Factory and almost double your income: $100,389 Annual Income* RVP gets $700 from Base Shop Bonus RVP $10k Base ($5k Personal) Focus: Get 1st RVP 50% Spread 60% Spread *Assumes generating monthly premium of $5,000 in personal, District Leaders generating $2,500 and Division Leaders generating $2,500, yielding $5,166/mo. in life commissions; $2,500/mo. in securities commissions, for total commissions of $7,666/mo.; $700/mo. from bonuses with 70% QBI. Direct Division $2.5k Direct District $2.5k Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

20x20 — $150,000 RVP RVP with $20k Base Shop and $5k Personal
Become a 20x20 RVP and keep the pipeline full: $150,844 Annual Income* RVP gets $2,800 from Base Shop Bonus RVP $20k Base ($5k Personal) Focus: Get 1st RVP 50% Spread 40% Spread *Assumes generating monthly premium of $5,000 in personal, District Leaders generating $7,500 and Division Leaders generating $7,500, yielding $7,670/mo. in life commissions; $2,100/mo. in securities commissions, for total commissions of $9,770/mo.; and $2,800/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative. Direct Division $2.5k Direct Division $5k Direct Regional $7.5k

$200,000 RVP RVP with $20k Base Shop and $10k 1st Generation RVP
Start building RVPs, grow your business and your income: $200,150 Annual Income* RVP gets $2,800 from Base Shop Bonus and $700 from Leadership Development Bonus RVP $20k Base ($5k Personal) Focus: Build to SVP 50% Spread 60% Spread 15% 1st Override 10% RVP Bonus 25% Total *Assumes generating monthly premium of $5,000 in personal, one 1st RVP generating $10,000, District Leaders generating $5,000, Division Leaders generating $5,000 and Regional Leaders generating $5,000, yielding $9,079/mo. in life commissions; $4,100/mo. in securities commissions, for total commissions of $13,179/mo.; and $3,500/mo. from bonuses, Regional $5k Division $5k District #1 $2.5k District #2 $2.5k 1st Gen RVP $10k with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

$250,000+ RVP RVP with $40k Base Shop and $5k Personal
Grow a BIG Base Shop and a BIGGER income: $250,190 Annual Income* RVP gets $5,600 from Base Shop Bonus RVP $40k Base ($5k Personal) Focus: Get 1st RVP 50% Spread 40% Spread *Assumes generating monthly premium of $5,000 in personal, Division Leaders generating $15,000 and Regional Leaders generating $20,000, yielding $13,149/mo. in life commissions; $2,100/mo. in securities commissions, for total commissions of $15,249/mo.; and $5,600/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative. Direct Division $5k Direct Division $10k Direct Regional $20k

$300,000 SVP — The Ownership Position
$50k thru 1st SVP with 3 1sts doing $30K and $20k Base Shop Build a team, generate a big income and qualify for Ownership: $301,947 Annual Income* SVP gets $2,800 from Base Shop Bonus and $3,570 from Leadership Development Bonuses SVP $20k/$50k Focus: Build to Power Builder Bonus Level 15% 1st Override 10% RVP Bonus 7% SVP Bonus 32% Total RVP *Assumes generating monthly premium of $2,500 in personal, with three 1st RVP generating $30,000, direct Division Leaders generating $7,500 and direct Regional Leaders generating $10,000, yielding $9,393/mo. in life commissions; $9,400/mo. in securities commissions, for total commissions of $18,793/mo.; and $6,370/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Direct #1 $10k Direct #2 $10k Direct #3 $10k Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL Home tab/Ownership for the program documents and policies, which control in all respects. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

$425,000 Power Builder SVP $75k thru 1st SVP with average $20k Base Shop Become a Power Builder and grow your income: $425,498 Annual Income* SVP gets $4,200 Base Shop Bonus, $2,363 from At 1st Power Builder and $5,355 from Leadership Development Bonuses SVP $30k/$75k Focus: Build to NSD 15.0% 1st Override 10.0% RVP Bonus 7.0% SVP Bonus 7.5% Power Builder 39.5% Total *Assumes generating monthly premium of $5,000 in personal, with three 1st RVP generating $45,000, direct District Leaders generating $7,500, direct Division Leaders generating $7,500 and direct Regional Leaders generating $10,000 in premium, yielding $15,341/mo. in life commissions; $8,200/mo. in securities commissions, for total commissions of $23,541/mo.; and $11,918/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Direct #1 $15k Direct #2 $15k Direct #3 $15k Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

$750,000 Power Builder NSD $195k thru 2nd NSD with $20k Base Shop
Become an NSD and build a Cash Flow Machine: $754,298 Annual Income* $2,800 Base Bonus Bonus $3,938 Power Builder $16,275 Leadership Development Bonus NSD $20k/$195k thru 2nd Focus: Build to SNSD 15% 1st Override 7.5% Power Builder 10% RVP Bonus 7% SVP Bonus 4% NSD Bonus 43.5% Total *Assumes generating monthly premium of $5,000 in personal, with six 1st RVP generating $75,000, eight 2nd RVPs generating $100,000, direct District Leaders generating $5,000, direct Division Leaders generating $5,000 and direct Regional Leaders generating $5,000 in premium, yielding $21,341/mo. in life commissions; $18,400/mo. in securities commissions, for total commissions of $39,846/mo.; and $23,013/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year SVPs $20k RVP $10k RVP $15k RVP $10k RVP $10k RVP $10k 10% 2nd Override 7% SVP Bonus 4% NSD Bonus 21% Total 10% 2nd Override 4% NSD Bonus 14% Total RVP $20k RVP $15k RVP $15k RVP $10k RVP $10k RVP $10k RVP $10k RVP $10k life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

$1,000,000 Power Builder SNSD $260k Total Hierarchy SNSD with $20k Base Shop Become an SNSD and maximize compensation: $1,017,109 Annual Income* $2,800 Base Shop Bonus $6,300 Power Builder $27,300 Leadership Development Bonus SNSD $260k Hierarchy Focus: Build deep and wide to maximize comp 15.0% 1st Override 7.5% Power Builder 10.0% RVP Bonus 7.0% SVP Bonus 4.0% NSD Bonus 2.0% SNSD Bonus 45.5% Total SVPs Producing $60k Qualified RVPs doing $60k *Assumes generating monthly premium of $2,500 in personal, with twelve 1st RVP generating $120,000, twelve 2nd RVPs generating $120,000, direct Division Leaders generating $7,500 and direct Regional Leaders generating $10,000 in premium, yielding $25,360/mo. in life commissions; $23,000/mo. in securities commissions, for total commissions of $48,360/mo.; and $36,400/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 months from month of sale, with 75% advance of 1st year 10% 2nd Override 4% NSD Bonus 2% SNSD Bonus 16% Total 10% 2nd Override 7% SVP Bonus 4% NSD Bonus 2% SNSD Bonus 23% Total 2nd Generation RVPs doing $60k 2nd Generation RVPs doing $60k life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

$1,500,000 Power Builder SNSD $450k Total Hierarchy SNSD with $50k Base Shop Build it BIG and generate a HUGE income: $1,504,852 Annual Income* $7,000 Base Shop Bonus $10,500 Power Builder $45,500 Leadership Development Bonus SNSD $450k Hierarchy Focus: Build deep and wide to maximize comp 15.0% 1st Override 7.5% Power Builder 10.0% RVP Bonus 7.0% SVP Bonus 4.0% NSD Bonus 2.0% SNSD Bonus 45.5% Total SVPs Producing $100k Qualified RVPs doing $100k *Assumes generating monthly premium from: twenty 1st RVP generating $200,000, twenty 2nd RVPs generating $200,000, direct Division Leaders generating $10,000, direct Regional Leaders generating $20,000 in premium and direct Senior Regional Leaders generating $20,000 in premium, yielding $43,205/mo. in life commissions; $19,200/mo. in securities commissions, for total commissions of $62,405/mo.; and $63,000/mo. from bonuses, with 20 base shop recruits/mo. and 70% QBI. Assumes all products remain in force for 12 months. Commissions include cash flow that is received over 12 10% 2nd Override 4% NSD Bonus 2% SNSD Bonus 16% Total 10% 2nd Override 7% SVP Bonus 4% NSD Bonus 2% SNSD Bonus 23% Total 2nd Generation RVPs doing $100k 2nd Generation RVPs doing $100k months from month of sale, with 75% advance of 1st year life commissions and subject to deferred compensation account withholding. Annual cash flow assumes the same level of activity over the 12-month period. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average of $6,088 per life licensed representative.

Additional Notes: No commissions are earned except upon product sales. Premium reflected is Gross Bonusable Premium. Contract advancement is subject to being in good standing with each Primerica Company. Examples assume sales of Custom Advantage 30-year policy, issue ages and QBI of 70%. For bonuses and commissions, all usual compensation system rules apply. See POL Home/Compensation tab for additional details on the commissions and bonuses. The percentages reflecting a total payout refer to the Company payments, but commissions and bonuses are not calculated in the same manner (for example, bonuses are based on bonusable premium and subject to QBI, but not chargebacks and commissions are based on commissionable premium and subject to chargebacks but not QBI, etc.). Equity: Please see the RVP Equity Opportunity Program Document under the POL Home Tab/Compensation/Equity on POL for additional important details. Ownership: The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the Ownership Program documents and policies, which control in all respects. Important Earnings Disclosure: The cash flows stated are not intended to demonstrate the earnings of typical RVPs. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs do not achieve the levels illustrated. From January 1 through December 31, 2016, Primerica paid cash flow to its North American sales force at an average pf $6,088 per life licensed representative. Average cash flow includes commissions paid on all lines of business, and reflects combined U.S. and Canadian dollars remaining in the local currency earned by the representative. Exchange rates fluctuate daily and could impact the average. Most Primerica Representatives are pat time and generate compensation that supplements their primary income. Primerica representatives earn income through the sale of products. Representatives are not paid to recruit. Primerica Representatives are independent contractors and are not employees of Primerica. ©2013, 2017 Primerica/53133/2.17/15POL340-3

Builders Compensation

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Builders Compensation

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