Primerica is the largest independent financial
services marketing organization in North America.
Founded in 1977
Listed on the New York Stock Exchange (PRI)
©2022 FORTUNE MEDIA IP LIMITED. USED WITH PERMISSION.
©2022 FORBES MEDIA LLC. USED WITH PERMISSION.
©2022 FORBES MEDIA LLC. USED WITH PERMISSION.
Please see important disclosures on back cover.
One of Two Things Will Happen in Life
INSURANCE SAVINGS
Die too soon Live too long
Do you have a plan in place to cover both?
Dying too soon: Living too long:
Buy term life insurance Design a plan to become
Provides maximum coverage financially independent
for minimum cost Set up a separate monthly
Provides the family with the investment program
proper protection they need, Money grows at potentially
while building money for the higher rates of return
future
On a scale of 1-10, how motivated are you to become
properly protected and financially independent?
Please see important disclosures on back cover.
Name: Jack and Donna Smith Trainee: Michael Thomas Date: 10/5/2022 DOB: Primary: 35 yrs. old
Spouse: 35 yrs. old
Family Freedom Plan
In everyone’s life, one of two things will happen:
Die too soon or Live too long
1. Experts recommend you commit 10% of your monthly take-home pay toward your financial game plan.
Monthly Take-Home Pay: $ 3,000 / $ 3,000 = $ 6,000 Total/Mo. x 10%: $ 600
2. Is that an amount you feel completely comfortable committing to on a monthly basis above what you are currently
budgeting? Yes No
3. (If No) How much money can you comfortably commit to on a monthly basis? $ 250
Life Insurance Needs 10x Annual Income: Primary: $ 360,000 Spouse: $ 360,000
INSURANCE SAVINGS
A. Primary: $ 150,000
Spouse: $ 150,000
Kids: $ 15,000 Invest the difference of
Years: 30 Premium: $ 78.82 $ 133.37 /mo. at 6/9 %
For 32 years = $ 494,592 / $ 1,179,027
B. Primary: $ 250,000
Spouse: $ 250,000 Current Retirement Savings &
Kids: $ 15,000 Monthly Contributions
Years: 30 Premium: $ 116.63 $ 50,000 / $ 0
C. Primary: $ 300,000 Three Fundamental Accounts
Spouse: $ 300,000 1. Emergency Fund
Kids: $ 15,000 2. Short Term Account
Years: 30 Premium: $ 136.67 3. Wealth Building
If you die too soon = $250,000 / $250,000
If you live too long = $494,592 (6%) / $1,179,027 (9%)
Can you see how you now have a plan in place to cover both?
Based on the information you have seen so far, what would interest you most?
A complimentary financial game plan to guide you in achieving your financial independence?
A part time business where you can earn an extra $2,000 - $3,000 per month?
Or both?
How We Get Paid
1 In the time spent with that family, how much Agent Info
Estimated commissions based on level.
do you think I was compensated?
Total paid to
2 If you could earn $657 every time you helped RVP Office: $1,445
a family like this, how many families would you Level Personal
want to help in a month?
REP $328
{
$460
3
SRP
If you could earn $1,445 helping the same
family as a Regional Vice President (RVP), DIS $657
how fast would you want to get promoted?
DIV $788
4 As an RVP, if you could earn $788 every time
you trained a District Leader to help a family
$788 REG $920
OVERRIDE RVP $1,445
like this, how many people would you want to
train?
The Five Reasons People Get Involved
1 2 3 4 5
Don’t like current Love what Want financial Love helping Dream of
job, looking for a they do, but education to others and having their
career change, earning extra learn how to making a own business
better income part-time income win the money difference
potential would make a game
difference
Can you see where most people would be interested in at least one of these areas?
If you could earn a part-time income without
jeopardizing your job, would that interest you?
Please see important disclosures on back cover.
HOW TO GET STARTED
WE PAY FOR ALL YOUR LICENSING, CERTIFICATION
AND OTHER STATE REQUIREMENTS:
• Sate
t Application
• Pre-Licensing Course
$124 • Exam Fee
YOU PAY • Processing Fees
• Appointment Fee
• Fingerprint Fee
• Securities Licensing Fee
Approximate Cost of Certification
$25 A MONTH and Licensing: $2,500*
VIRTUAL OFFICE
(OPTIONAL)
ULTIMATE SUPPORT SYSTEM BEST KEPT SECRET IN BUSINESS
PRIMERICA ONLINE (POL) BUREAU OF LABOR STATISTICS
2017 Statistics
• Virtual Office Combined Income $191,130
• Personalized Website
• Cutting Edge Technology
• Training and Education
• Licensing and Exam Prep
• Live and on-Demand Videos
• Business Building Tools
• Web-Based Communication
• Award-Winning Applications
• Home Office Support System
CLASSROOM TRAINING
Tuesday San Mateo 7PM – Saturday San Jose 9AM
FIELD TRAINING BONUS** FINANCIAL SERVICES
Get Licensed, Get Trained and Get Paid CAREER OUTLOOK
Earn as you learn… $200 for every 1 recruit x $1,000
in field training life premium (No maximum) Forbes
How Billionaires Get Rich:
Recruit x Life Premium Entry Level 25% Which Industries Make The Most Mega-Fortunes
March 7, 2016
1 x $1,000 = $200 35%
Number one Industry
3 x $3,000 = $400 50%
Finance and Investments… In the United States Finance
60% and Investments represent 24% of all fortunes.
6 x $6,000 = $1,200
2 Lic
The principle is simple:
10 x $10,000 = $2,000 - Making money for others… can lead to huge fortunes.
*Reimbursement of securities licensing costs is subject to meeting program requirements, including a full-service POL subscription and pre-study and licensing requirements. Not all licensing
fees are covered. Please refer to the Securities Licensing tab on POL for additional information. **The Field Training Bonus qualification period is 90 days in the US, must be state
certified in 60 days and licensed in 90 days to qualify for bonus. Bonus paid when appointed to do business. Details about this bonus program are provided in the Field Training Bonus
Program Document, on Primerica Online (POL). Ask a Primerica Representative for more details.
For internal use only, not to be used with or distributed to the public.
www.primerica.com
Primerica offers a business opportunity that involves the sale of term life insurance and various other financial service products. Primerica representatives
are independent contractors, not employees. Their earnings are based on the sale of products offered by Primerica and also qualifying product referrals.
Importantly, Primerica representatives must be appropriately licensed for each product line before they are qualified to make a sale.
From January 1 through December 31, 2021, Primerica paid cash flow to its North American sales force at an average of $8,410, which includes commissions paid
on all lines of business to life licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative,
not adjusted for exchange rates.
Primerica representatives market term life insurance underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY in New York
State; and Primerica Life Insurance Company, Executive Offices: Duluth, GA in all other U.S. jurisdictions.
In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, Georgia 30099-0001, member FINRA [www.finra.
org]. Primerica and PFS Investments Inc. are affiliated companies. PFS Investments Inc. conducts its advisory business under the name Primerica Advisors.
Representatives must obtain all appropriate licenses and appointments prior to making a sale or receiving a commission.
Term insurance provides a death benefit and its premiums increase after initial premium periods and at certain ages.
The hypothetical family used to illustrate our products is not intended to reflect any real family. The illustrations used throughout this document are hypo-
theticals and do not represent actual investments. The hypothetical illustrations do not include fees, taxes, expenses, or withdrawals, which if included, would
lower results. There is no guarantee you will achieve these results.
Investors Business Daily survey results are presented solely with respect to Primerica’s U.S. term insurance business.
Forbes.com, “Forbes 2022 The Best Employers for Women,” July 15, 2022.
From Fortune. © 2022 Fortune Media IP Limited All rights reserved. Used under license. Fortune and Fortune Media IP Limited are not affiliated with, and do not
endorse products or services of, Primerica, Inc.
Forbes.com, “Forbes 2022 America’s Best Insurance Companies,” October 8, 2021.
© 2020, 2022 Primerica / 60828 / 9.22 / 2422888 Not for use in Canada.
