1. Today’s Financial Crisis
Freedom Lives Here
Founded in IPO in April NYSE (PRI).
6 million clients
100,000 licensed representatives. 28,000
securities licensed.
Largest independent financial services marketing
organization in North America
Our Mission
Help families become properly protected,
debt free, and financially independent.
Today’s Financial Crisis
“The average American family carries $8,000 to $10,000 worth of credit card debt.”
CNNmoney.com, April 16, 2009
“Overall, 61% (of survey respondents) said they always or usually live paycheck to paycheck…”
CNBC.com, September 16, 2009
“U.S. foreclosure actions shattered all records in 2009 and will do so again this year.”
Reuters.com, January 14, 2010
“43% of American workers say they have less than $10,000 in savings.”
Money.com, March 9, 2010
“68 million adult Americans have no life insurance.”
- National Underwriter, October 8, 2007
Do you have a written program to become
debt free and financially independent?

2. Most People Don’t Plan to Fail,
They Fail to Plan
Installment Loans
Bank Accounts
Mortgage
Credit Cards
Mutual Funds
Savings Accounts
401(k)
Life Insurance
YOU
The Problem:
Traditional financial institutions sell you products.
They don’t provide you with a total solution.
The Solution
The Financial Needs Analysis
A complimentary, confidential and customized program to help you achieve your goals and dreams.
Savings
Debt Solutions
Income Protection
Income Management
The FNA provides solutions in these
specific areas:

3. The Power of Compound Interest
How Money Works
Traditional Financial Institutions
Your Money
Global Economy
Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return
The Power of Compound Interest
$200 Monthly Savings for 35 Years (Age )
3% interest
$148,680
6% interest
$286,370
$1.3 Million
12% interest
Rates of return are 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. It does not take into consideration taxes or other applicable deductions, which would lower performance. This example uses constant rates of return. Actual investments will fluctuate in value.

4. Debt Stacker Debt Stacker Solution
With Debt Stacking
March 2019
182 Months Sooner
$130,643
$83,789
$2,720
Once debts are paid off, invest $2,720 each month until
age 67 – the total, given a 10% return, is $2.87 million.*

5. How Does Primerica Help Families?
Dad $30,000
Household Income $60,000
Mom $30,000
Where does it all go?
INSURANCE
DEBT
SAVING
MORTGAGE
TAXES
GIVING
BILLS
Buy Term and Invest the Difference
Death Benefit Before Primerica
Changed to Primerica’s Term
John
Mary
Children
Total Protection
Monthly Premium
$150,000 $0
$300,000
$298
$300,000
$25,000
$625,000
$123
$83,789
$2,720
Difference = $175/month!
Invest the Difference
$175 monthly savings invested at 10% for 30 years = $398,882 at age 65.

6. $100,000 @ 3% $3,000 Brokerage Model HERNDON REALTY Broker
$1,500
Override
HERNDON REALTY
Broker
President – Owner – CEO
$100,000
@ 3%
$3,000
Licensed Agent #1
Licensed Agent #3
Licensed Agent #2
$1,500
Compensation
How does an agent make more $$$?
How does the broker make more $$$?
What would the agent want to do? Why?
$2,720
Once debts are paid off, invest $2,720 each month until
age 67 – the total, given a 10% return, is $2.87 million.*

7. Part Time – District Leader
Licensing Fees
$800 - $700  $100
Part Time – District Leader
8 – 10 Hours
Per Week
4 – 5 Families
Per Month
$ $3500
Full Time – RVP
1 – 3
Years
20 – 25 Families
Per Month
$15,000 - $20,000
OWNERSHIP
Distribution
1.5% 3%
10%
Local
Market Share
National
Average
Our
Goal 11
150
Current Offices
New Offices
RVP
$50k - $75k
Offices
Royalties