1. Referrals/Earn Your Business/Expansion
Not to be used in New York.
© 2012 Primerica/43934/3.12/11PFS648-5

2. All of this without any national TV or radio advertising!
Who we are:
The largest independent financial services marketing organization in North America
Listed on the New York Stock Exchange (PRI)
In business since 1977
More than 6 million clients
All of this without any national TV or radio advertising!

3. Our Mission: To help families earn more income and become properly protected, debt free and financially independent.
We are the Largest Independent Financial Services Marketing Organization in North America
Aflac2
Allstate3
State Farm4
MetLife5
Torch- mark6
MSSB7
BAML8
Edward Jones9
Ameri- prise9
Raymond James9
Insurance Agents
Brokers
Financial Advisors 5 11 13 17 18 7 36 73
~92
Sales Force (in thousands) 1
Primerica Life Licensed Reps
Primerica Mutual Fund Licensed Reps
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

4. How Tebow's College Career Resembles These 4 Companies
By Tyler Wofford - March 4, 2013 | Tickers: AMZN, EBAY, GOOG, PRI |
Tyler is a member of The Motley Fool Blog Network -- entries represent the personal opinion of the blogger and are not formally edited.
As an investor, I generally pay a lot of attention to the different metrics of a company, and then decide whether to invest or leave the company alone. Often times investors fail to take leadership and business model into account, and they miss out on enormous opportunities. There are a few companies whose business model and leadership are their main reason for success.
I'm not saying to disregard metrics for these next companies (some of them have very good metrics), but I am suggesting that we should look at other factors. Tim Tebow supposedly didn't have the mechanics to play college football, yet is the most decorated quarterback to ever play at the collegiate level. Although his NFL career is questionable, his college success was remarkable. Some accomplishments include being the recipient of: The Heisman trophy, quarterback of the year, and leading the Florida Gators to more than one national championship game.
eBay (NASDAQ:EBAY)
Google (NASDAQ: GOOG)
Amazon (NASDAQ: AMZN)
Primerica Financial Services (NYSE: PRI)

5. Primerica Financial Services (NYSE: PRI) is the largest financial services marketing organization in North America. Obviously they are doing something right as approximately 20% of its representatives have worked with the firm for at least twelve years. Tim Tebow often reminds us of the quote "Hard work beats talent when talent doesn't work hard."
When the company was founded in 1977, Primerica had to overcome insurance companies filing complaints and taking up law suits against them for simply replacing their whole life insurance products with Primerica's term life insurance. To this day Primerica representatives claim to "Join a crusade to right a wrong in the industry."
Primerica spun off from Citi group in April of 2010, and its shareholders have been rewarded kindly. From the time of its Initial Public Offering (IPO) the stock has increased nearly 63% and shows a P/E of 8.9 less than the industry average. It has outperformed both the life insurance industry and S&P 500 in not to mention having nearly doubled their returns YTD. Approximately 85% of Americans are classified as middle income, and that's where Primerica focuses its efforts. Representatives for most firms are penalized for opening investment accounts with less than $250,000 - Primerica makes money through monthly investments (with no set minimum) of $50 or more.

6. We Are a One-Stop Financial Supermarket With Home Delivery!
Debt Solutions1,2
Life Insurance
Managed Accounts1,4
Annuities1,3
Primerica DebtWatchers™
Offered by Primerica Client Services, Inc. through contractual agreement with
401(k) Plans1,3
Auto & Home Insurance Referral Program
Mutual Funds3,5
Quotes from such companies as:
Travelers
Safeco
Progressive
Long Term Care
Legal Protection

7. 100 People After Working From Age 25 - Age 65
36% 5% 4% 1%
54%
100 people at age 65:
54% dependent
36% working
5% deceased
4% OK ($1 million)
1% wealthy ($5 million)
Source: SmartMoney, 2001
Why do 95% fail when it comes to their finances?
1. No financial education
2. No financial game plan
3. No financial coach
4. No additional source of income

8. 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

9. Bob And Susan Smith (Ages 35 And 33) With Two Children
Before Primerica
Debt1:
Bob and Susan had $165,000 1st mortgage loan balance; payoff in 24 years and had a total balance of $13,000 on three credit cards; payoff in 58 years. Debt free?
Life Insurance2:
$150,000 coverage on Bob $150,000 coverage on Susan No protection on the children. Total monthly cost: $298*
PLPP:
Bob & Susan had NO WILL.
Auto & Home:
Bob & Susan were paying $243 per month for auto & home insurance.
Retirement:
Bob & Susan had $20,000 in an IRA at the bank earning 3%, with $100 per month contributions. Accumulated savings at age 67 = $116,000
With Primerica
Debt1:
They enrolled in Primerica DebtWatchers™, and created a Fast Pay Plan to eliminate all credit card debt, save four years of mortgage loan payments and over $56,000 in total interest. (with $0 extra payment) Debt free at age 55
Term Life Insurance3:
$300,000 coverage on Bob, $300,000 coverage on Susan and $25,000 on each of the children. Total monthly cost: $123 Saved: $175 per month
PLPP4:
Bob & Susan SET UP A WILL and got access to a respected, full-service law firm ($25 per month)
Auto & Home:
Now they pay $178 per month Saved: $65 per month on their auto and home insurance
Retirement3:
Rolled over $20,000 IRA into mutual funds. Monthly contributions increased to $ Accumulated savings at 9% at age 67 = $1,022,000 Extra invested: $200 per month
A or B
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?
See important assumptions and disclaimers on notes page.

10. Total Cash for the Month: $1,625
District Leader: Part-Time
Personal:
3 Clients per Month
3 Life Sales & 3 IRA Rollovers
Total Cash for the Month: $1,625
Most representatives do not achieve these leadership levels and clients do not always buy every type of Primerica product. In order to become a Regional Leader and begin earning the level of commissions discussed above you must become licensed to sell insurance as well as achieve certain sales levels. Reaching the other leadership levels is dependent on the size of the organization you build, the number of sales and override commissions you earn and the efforts of your downlines. See Endnotes for additional assumptions and disclosures.

11. Which would you rather be — an agent or a broker?
The Real Estate Model
Agent
Limited Income Potential
No Security
No Time Freedom
6% Broker Fee $100,000 House = $6,000 Fee
Broker
Unlimited Income Potential
More Security
Time Freedom
A Broker with 5 agents Earning $3,000/month Earns $15,000/month
Broker
50% Override: $3,000
Agent 50% $3,000
Agent 50% $3,000
Agent 50% $3,000
Agent 50% $3,000
Agent 50% $3,000
Commission
Which would you rather be — an agent or a broker?

12. Build a Team of Professionals
Regional Leader: Part-Time
3 Clients per Month
3 Life Sales & 3 IRA Rollovers,
$2,260
Personal:
7 Clients a Month
2 District Leaders
4 Clients combined
4 Life Sales & 4 IRA Rollovers
$1,985
Override:
Total Cash for the Month: $4,245
Annual Income: $ 50,940
Most representatives do not achieve these leadership levels and clients do not always buy every type of Primerica product. In order to become a Regional Leader and begin earning the level of commissions discussed above you must become licensed to sell insurance as well as achieve certain sales levels. Reaching the other leadership levels is dependent on the size of the organization you build, the number of sales and override commissions you earn and the efforts of your downlines. See Endnotes for additional assumptions and disclosures.

13. Regional Vice President: Full-Time
3 Clients per Month
3 Life Sales & 3 IRA Rollovers
$5,025
Personal:
10 Clients a Month
Override:
3 District Leaders
7 Clients combined
7 Life Sales & 7 IRA Rollovers
$4,463
$ 700
Bonus:
Total Cash for the Month: $10,188
Annual Income: $ 122,256
Most representatives do not achieve these leadership levels and clients do not always buy every type of Primerica product. In order to become a Regional Leader and begin earning the level of commissions discussed above you must become licensed to sell insurance as well as achieve certain sales levels. Reaching the other leadership levels is dependent on the size of the organization you build, the number of sales and override commissions you earn and the efforts of your downlines. See Endnotes for additional assumptions and disclosures.

14. Senior Vice President:
Personal
Baseshop:
10 Clients per Month
10 Life Sales &
10 IRA Rollovers
$10,188
Build 3 RVPs & Ownership
3 RVPs
Each Producing: $7,500
Override:
$9,000
$6,100
Bonus:
Total Cash for the Month: $25,188
Annual Income: $ 302,256
Most representatives do not achieve these leadership levels and clients do not always buy every type of Primerica product. In order to become a Regional Leader and begin earning the level of commissions discussed above you must become licensed to sell insurance as well as achieve certain sales levels. Reaching the other leadership levels is dependent on the size of the organization you build, the number of sales and override commissions you earn and the efforts of your downlines. See Endnotes for additional assumptions and disclosures.

15. On a scale of 1-10 how interested are you?
Getting Started
1. Fill out your Independent Business Application (IBA) — $99
Value includes: State license fee Exam fee Fingerprint/background check PFSU pre-licensing Total: worth approximately — $ Total fees vary for each state
2. $25/month for Primerica Online — Online Business Support System
Value includes: Cell phone discount $100-$250/year Your own website and business reports $ Access to live and on-demand video training $ Qualify to have securities license paid for $ Morningstar financial analysis software* $4,000/year Total: worth approximately — $6, *Must be securities licensed
3. Get off to a fast start! Qualify for a bonus up to $1,000 when you get trained, licensed and producing. (See company brochure for details.)
4. Keys to success
• Submit your IBA with $99
• Show up to all training meetings
• Attend pre-licensing and get insurance licensed
• Go on 5-8 Field Training Observations in your first 30 days
• Complete a Financial Needs Analysis to get your family’s financial game plan started
On a scale of 1-10 how interested are you?