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The Headlines Tell The StoryThe Headlines Tell The Story

3

3 Key Roles3 Key Roles

Associate Role – “Flextime” Role – Part-Time & Full Time

Manager’s Role – Supervise & Train Teams of Associates

Broker/Owner Role – Required in Financial Services Industry in North America

Our Company is expanding offices throughout the United States and we are in the interviewing and building process right now!

*Primerica’s term life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica Life Insurance Company, Executive Offices: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home Office: Mississauga, Ontario, in Canada. Investments offered by: PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, GA, 30099, 770-381-1000.

WHO WE ARE?WHO WE ARE?

WHAT WE DO?WHAT WE DO?

OPPORTUNITY WITH US?OPPORTUNITY WITH US?

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PrimericaPrimerica The largest independent financial services marketing

organization in the world – over 100,000 representatives Serves more than six million clients in the United

States and Canada In business since 1977 The largest mutual fund sales force in North America

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We Are a One-Stop Financial Supermarket We Are a One-Stop Financial Supermarket

Primerica DebtWatchers™Offered by Primerica Client Services, Inc. through contractual agreement with

®

Life InsuranceDebt Solutions1,2

Legal ProtectionLong Term Care

Auto & Home InsuranceReferral Program

Mutual Funds3,5

Quotes from such companies as:

Travelers Safeco

Progressive

See endnotes pages for important disclosure.

Managed Accounts1,4

401(k) Plans1,3

Annuities

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We Are the Largest Independent Financial We Are the Largest Independent Financial Services Marketing Organization in North AmericaServices Marketing Organization in North America

Source: company filings and websites. Data as of December 31, 2010 unless otherwise noted(1) Size of life sales force as of March 31, 2011. 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

Aflac2 Allstate3 State Farm4

MetLife5 Torch-mark6

MSSB7 BAML8 Edward Jones9

Ameri-prise9

Raymond James9

Insurance Agents

Brokers

Financial Advisors

511131718

713

18

36

73

~92

Sale

s Fo

rce

(in

thousa

nds)

1

Primerica Life Licensed Reps

Primerica Mutual Fund

Licensed Reps

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Listed on the New York Stock Exchange

(PRI)“Most Successful IPO of 2010”

PrimericaPrimerica

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Mission Statement:

.

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The Headlines Tell The StoryThe Headlines Tell The Story

Six in 10 workers say that they are living paycheck to paycheck.CareerBuilder.com Survey

“Average credit card debt among households with balances on their cards: $15,788.”

AARP Bulletin

More than half of Americans have no emergency savings.Time.com

Bankruptcies topped 1.5 million in 2010. CNNMoney.com

68 million Americans have no life insurance.LifeHealthPro.com

More than half of all workers have less than $25,000 in savings and investments for retirement.

Employee Benefit Research Institute 2012 Retirement Confidence Survey

How Real and Serious are these problems?How Real and Serious are these problems?

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100 People After Working From Age 25 - Age 65100 People After Working From Age 25 - Age 65

100 people at age 65:

54% dependent

36% working

5% deceased

4% OK ($1 million)

1% wealthy ($5 million)

Why do 95% fail when it comes to their finances?

1. No Financial Education 2. No Financial Game plan 3. No Financial Coach

Source: SmartMoney

1%4%

36%

5%

54%

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WHAT WE BRING TO THE TABLEWHAT WE BRING TO THE TABLE

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WHAT WE BRING TO THE TABLEWHAT WE BRING TO THE TABLE

Licensed and Trained Licensed and Trained Representatives use a Representatives use a

““Team approach” Team approach” to help families to help families reach their goalsreach their goals

2- A Financial Coach2- A Financial Coach

PP/SR/33638/7.06/V6.0/02PFS344-28Shouldn’t Everyone have a Financial Needs Analysis (FNA)?

The Solution:The Solution: A Financial Needs Analysis (FNA)

A customized, confidential, complimentary program that helps achieve your goals & dreams.

The FNA provides The FNA provides Solutions in…Solutions in…

• SavingsSavings• Income ProtectionIncome Protection

• Debt EliminationDebt Elimination• Income ManagementIncome Management• Tax ManagementTax Management

The Problem:The Problem:Traditional financial institutions

sell you products, they don’t provide you with a total solution.

WHAT WE BRING TO THE TABLEWHAT WE BRING TO THE TABLE

3 - A Financial GPS…the FNA3 - A Financial GPS…the FNA

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Before Primerica After Primerica District Leader

Regional Leader

Regional VP

Debt:

24 years left on $165,000 1st mortgage $13,000 on 3 credit cards; payoff in 58 years

Debt:Customized Primerica DebtWatchers™ Fast Pay Plan allows all debt to be paid off in 20 yearsSaves 4 years of mortgage payments and over $56,000 in total interest ($0 extra in payment)

$50 $52 $57

Life Insurance: $100,000 of cash value life insurance on both Bob & Susan and $0 on the childrenTotal monthly cost: $250

Life Insurance:$300, 000 of life insurance on Bob & Susan and $25,000 on the children. Total monthly cost: $108. Saved: $142 per month.

$456 $638 $866

Auto & Home: Bob & Susan were paying $243 per month for auto and home insurance.

Auto & Home:Saved: $65 per month on their auto and home insurance.

$84 $93 $127

Legal Protection (PLPP):Bob & Susan had no will, and no access to a respected, full-service law firm.

Legal Protection (PLPP): Bob & Susan get a will, and access to a respected, full-service law firm.

$80 $100 $125

Retirement:Bob & Susan had $20,000 in an IRA at the bank earning 3% with $100 per month contributions. Accumulated savings at age 65 = $107,410

Retirement: Rolled over IRA into mutual funds. Monthly contributions increased to $500 ($250 each). Accumulated savings at 10% at age 65 = $1,527,000.

$350 $420 $620

Bottom Line; Increased retirement contributions by $400/month.

Saved $403 in monthly budget.$1,854 $2,905 $4,202

A or B RL Overriding a District RVP Override

What if you had 10 District Leaders helping One family a month each? $1,051 $1,297

Bob & Susan Smith 35 & 34 Years Old with 2 Children

CHANGING LIVES HAS ITS REWARDSCHANGING LIVES HAS ITS REWARDS

RVP Overriding a District

$2,348

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What You Would Make

ProductDistric

tRegiona

lRVP

Freedom Financial Network (Primerica Enrich) coming

Primerica DebtWatchers™

Life Insurance (avg program)

Auto & Home (avg savings $478)

Investments ($50,000)

Total

Building Outlets = Security + Freedom

$50$400$84

$787$1321

$52$560$93

$956$1,661

$57$880$127

$1395$2,459

Get paid to build outlets -----------$340-----------$798-------- Team-10 clients/month >>>>>>>> $40,800 $95,760

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We Offer Three Ways to Make More Money:We Offer Three Ways to Make More Money:

1.1. Non Licensed -Part-time Non Licensed -Part-time $800+ per month $1600+/mo

(Based on 2 families/wk)

2. 2. Part TimePart Time (obtain a License)

$1600+ per month $3200+/mo (Based on 2 families/wk)

3. 3. Business OwnershipBusiness Ownership (Fully Licensed)$6000-$10,000+ per month(Based on 2 personal families/wk with a team of 5 that also do

2 /wk each.)

Fast Start Bonus

..............You can earn a

potential $500

getting started with us.

In the 12-month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 per licensed representative.

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Our ChallengeOur Challenge

Our challenge is not our competitors. It is not a lack of market. Families are desperate “what we do”.

Our Challenge: Our Challenge:

We need more people to serve this market and help these families.

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Traditional Career Path vs. PRI Traditional Career Path vs. PRI SystemSystem

18-19 Years High School

College 2-5 years

Cost $10,000/yr public

21-22 yrs of age

Internship: 6 months

Min Wage or Pro bono

JOB: $30,000/yr

Bottom 90%

Takes a very long-time

Might get lucky!

100,000 Licensed Reps

> 20,000 Securities Reps

5,000 Financial Advisors

> 4,000 Reg. Vice Presidents

> 2,600 $100,000+ income

TOP 10% of Income Earners

E-mentality/ B-mentality

COACH SYSTEM: 30-90 days

Education->Training-> Business

RVP in 9-18 Months

TRADITIONALTRADITIONAL PRI SYSTEM PRI SYSTEM

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Since 1977 New Since 2000

A Track Record of Success

Cumulative Number of Earners

Personal Income

Over $50,000

Over $100,000

Over $1 million

Over $2 million

Over $5 million

5,5012,632

63171

2,9631,510

3261

These figures represent 12-month rolling cash flow levels, including advances, which have been achieved by Primerica representatives, past and present, at some point during their affiliation with a Primerica Company, beginning in 1977. The representatives are not necessarily achieving those levels at this time. Further, the numbers reflected in the “Cumulative Number of Earners” column are cumulative from level to level and, therefore, include all representatives who have ever achieved the stated cash flow figures. The cash flow categories are not intended to demonstrate earnings of typical representatives. In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its sales force, an average of $5,544 per licensed representative. Most representatives do not reach the levels illustrated. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential.

In 2011, Primerica paid more than a half a billion dollars to its sales force.

With this track record, what would prevent you from pursuing this opportunity??

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1- Making $ - Part-time – Full -Time

2-Saving $- FNA roadmap for success

3-Both Making & Saving $

4-Not Interested now but open to refer others to hear about Primerica

Who do you know that would benefit from hearing about what Primerica does to help families?

What Category are you?

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Schedule a follow-up appointment with a manager

At the follow-up interview you can expect:

1. Review everything

2. Answer your questions

3. Ask you about your background, skills, & ambitions, etc.

4. If there is a mutual interest, we will fill out background information

If you Qualify you can receive up to a

$500 Bonus and over $1500 in training fees paid for.

Is there anything in your background that would prevent you from qualifying?

What’s the Next Step?

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