2. All of this without any national TV or radio advertising!
Who we are:
In business since 1977
The largest independent financial services marketing organization in North America
More than 4.3 million lives insured and more than 2 million client investment accounts
Listed on the New York Stock Exchange (PRI)
All of this without any national TV or radio advertising!

3. Ask Yourself Three Questions As We Go Through The Presentation
Is there a need for what we do?
Are these financial concepts helpful for you?
If your family and friends implemented these concepts, would they be better off?
Our Mission:
To help families earn more income
and become properly protected, debt free and financially independent

4. The Headlines Tell The Story
Six in 10 workers say that they are living paycheck to paycheck. CareerBuilder.com Survey, April 12, 2011
The average American household with at least one credit card has nearly $15,950 in credit card debt (in 2012).” CNNMoney.com, viewed July 18, 2012
More than half of Americans have no emergency savings. Time.com, August 11, 2011
Bankruptcies topped 1.5 million in CNNMoney.com, January 3, 2011
95 million U.S. adults have no life insurance. LIMRA, “Facts About Life 2011,” September 2011
More than half of all workers have less than $25,000 in savings and investments for retirement.
The typical American household made less money last year than the typical household made a full decade ago.
How real and serious are these problems?

5. People Don’t Plan to Fail, They Fail to Plan
The Problem:
Traditional financial institutions sell you products. They don’t provide you with a total solution.
The Solution:
A Financial Needs Analysis. A customized, confidential and complimentary program that helps you achieve your goals and dreams.
A Financial GPS
It helps you find answers to important questions.
Installment Loans
Bank Accounts
Mortgage
Credit Cards
Mutual Funds
Savings Accounts
401(k)
Life Insurance
YOU
*See endnotes for important disclosures.

6. Do You Know Your Financial Independence Number?
If you want to be financially free, you need an estimate of how much you will need to accumulate — your personal Financial Independence Number (FIN)! Knowing this number is a critical first step.
You want to retire in 30 years, with $30,000 a year…
30 years from now, after 3% inflation… $73,000 spends like $30,000 does today.
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.

7. Bypass the Middleman — Become an Owner, Not a Loaner
Traditional Financial Institutions
Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return
Do The Banks Want You To Know This?
CDs and savings accounts are generally FDIC insured up to $250,000. This limit expires December 31, Cash value life insurance offers life insurance components in addition to the investment component.

8. 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
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.

9. 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)
32 $296,380 (-$175,260)
Wait 5 years ($6,000)
42 $112,950 (-$358,690)
Wait 15 years ($18,000)
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.

10. 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
$300,000
John age 35
$300,000
Mary age 33
Cash Value
? ? ?
$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)
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.

11. 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?

12. Solution: Build Your Financial House
Other Goals and Dreams
College Savings
Retirement
Debt Elimination
Budget - Emergency Fund - Will*
Protect Your Income / Term Life
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?
“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.

13. Referrals/Earn Your Business/Expansion
Not to be used in New York.
© 2012 Primerica/44779/8.12/US/11PFS648-5

14. Corporate Business Model
What is the corporation’s #1 goal?
Is a corporation’s main priority to help its employees achieve all of their financial goals?
CEO
In Business 101 we learn…
How do corporations grow
and protect profits?
President
Revenues
- Expenses
Mid Level Managers
Profits
Supervisors
Employees / Labor
Downsizing, Layoffs & Outsourcing, etc.

15. Which Plan Do You Prefer?
20 years
40-50 years
10-15 years
90% Work a JOB
Education
FREEDOM
20 years
5-10 years
40-50 years
FREEDOM
10% Build
a Business
Education

16. How Do I Get Started? 1. State License
License fees Approx. $1,000
Florida Life &insurance license, and Series 6 Securities License
Primerica pays $900
2. Independent Business App - $99
Books
Classes
Background Check
3. Technology Package – $25/month
Morningstar
Online training and study programs
Cell phone discount
4. Fast Start Program
Qualify for a bonus within the first 30 days!
Win a Mini iPad and district leader promotion!