1. Hosted by……

3. 1 2 3 4 Before We Get Started…. Turn off/mute all cell phones.
Save all questions for after the meeting. 2
Keep movement to a minimum during the overview place. 3 4
Enjoy your time with us!

4. Introduction of Speaker
STEVEN W. COLEMAN
SENIOR VICE PRESIDENT

5. We Need Your Help in 3 Areas
We Are Looking For New Clients
We Are Looking For New Part-time Agents
We Are Looking For Referrals

6. Who We Are…
THE COMPANY

7. Founded in 1977 Listed on the New York Stock Exchange (PRI)
Primerica is the largest independent financial services marketing organization in North America.
Founded in Listed on the New York Stock Exchange (PRI)
©2015 Primerica 49617/US/15POL154-4/10.15

8. About Primerica Our Mission: What We Do: We Offer:
To help families earn more income and become properly protected, debt free and financially independent.
What We Do:
We teach people how money works so they can make informed decisions about how to take control of their finances.
We Offer:
We offer a variety of products and services designed to help people achieve their financial goals.

9. Primerica’s Strategic Partners

10. Today’s Financial Challenges
The average American household with at least one credit card has nearly $15,950 in credit card debt. CNNMoney.com, viewed July 11, million U.S. adults have no life insurance. Lifehealthpro.com, July 8, 2013 More than two-thirds in the U.S. live paycheck to paycheck. Reuters.com, January 23, 2013 More than half of workers have less than $25,000 saved for retirement. Employee Benefit Research Institute, 2014 Retirement Confidence Survey Primerica provides financial education to solve these challenges.

11. 3 Reasons Why People Fail
Lack Financial Literacy.
Lack A Financial Gameplan.
Lack The Proper Financial Relationships.

12. We Are Looking For New Clients
HOW WE HELP FAMILIES

13. Most People Don’t Plan to Fail, They Fail to Plan
The Problem:
Traditional financial institutions sell products; they don’t provide a financial game plan.

14. Most People Don’t Plan to Fail, They Fail to Plan
The Solution: A Financial Needs Analysis (FNA) A complimentary, confidential and customized program that helps you achieve your goals and dreams
Savings
Debt Elimination
Income Protection
Income Management
The FNA provides solutions in these areas:

15. Financial Needs Analysis
John & Mary, Age 30, With Two Children
Before FNA
After FNA
Debt:
Debt:2
$165,000 1st mortgage balance; 24 years remaining.
Primerica DebtWatchers™ John and Mary paid off mortgage and all credit cards in 20 years (age 50) using Fast Pay Plan.
$13,000 on three credit cards; payoff in 58 years (making minimum payments). In debt until age 88.
Saved over $56,000 in interest and over 4 years of mortgage payments with $0 extra payment!
Life Insurance:
Life Insurance/Income Protection:3
$150,000 coverage on John
$150,000 coverage on Mary
No protection on the children
$400,000 coverage on John
$400,000 coverage on Mary
$10,000 on each of the children
Cash value policy — $285/mo.*
35-year level term life insurance: $126/mo. ($159/month savings)
A or B
If you showed the A and B example to 10 families, how many of the 10 would switch from A to B?

16. Financial Needs Analysis
John & Mary, Age 30, With Two Children
Before FNA
After FNA
Legal Protection:
Legal Protection:4
No Will and no access to a respected, full-service law firm.
Set up a Will through the Primerica Legal Protection Program and access to a full-service law firm $25/mo.
Auto & Homeowner’s Insurance:
Auto & Homeowner’s Insurance:5
John and Mary were paying $243 per month for auto & home insurance.
Saved: $65 per month on their auto and home insurance.
($65 per month for 20 years at 9% = $43,000 college fund)
Retirement Plan:
Retirement Plan:6
John & Mary had $20,000 in an IRA at their bank earning 1.5%, with $100 per month contributions.
Accumulated savings at age 65 = $89,000
Rolled over $20,000 IRA into mutual funds. Monthly contributions increased to $259
($100 + $159 savings from cash value life insurance).
6% rate of return: $533,316 at age 65
9% rate of return: $1,228,904 at age 65
A or B
If you showed the A and B example to 10 families, how many of the 10 would switch from A to B?

17. Financial Needs Analysis
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?
We offer a free consultation to evaluate and improve your current plan.

18. We Are Looking For New Agents
HOW WE GET PAID

19. How many part-time agents
Business Income
Level
DebtWatchers
$126 Life Insurance
$20,000 IRA
PLPP
Auto & Home
Total
Part-Time
(Agent)
$48
$696
$355
$80
$55
$1,234
Reg. Vice President
(Agency)
$69
$1,532
$629
$125
$85
$2,440
Agency Override
$21
$836
$274
$45
$30
$1,206
How many clients would
you want to help?
RVP
How many part-time agents
would you want to train?

20. Texas Licensing Requirements
Life License
Investment License
Pre-licensing class $300
Fingerprinting $40
Exam Fee $50
Licensing Fee $200
If You Join Us….
WE COVER THE COST!
Pre-licensing class $350
U-4 Application $900
-fingerprinting
-exam fee
-licensing fee
If You Join Us….
WE COVER THE COST!

21. $124 Steps to Qualifying You must register for a Business Number
The only thing that will disqualify an applicant is if they have a felony, fraud or theft in their background. Therefore, you must have a full background check completed which costs:
$99 covers applicant background check and $25/mth covers online agent business tools (software, website, back office, etc.)
$124
Plus $25/month

22. We Are Looking For Referrals
WHO DO YOU KNOW….

23. Spread The Word….
We don’t knock doors and we don’t cold call. Our business is 100% referral based! If we have provided you with some level of financial value and understanding, all we ask is that you share at least 5-10 warm referrals to help us spread this great information!

24. Who Do You Know….. We are looking for individuals that:
Desire to get out of debt
Want to send kids to college
Want to properly protect their income
Desire to retire financially secure
Need a legal Will to protect their assests
Want to save 3 months of income in savings
Would like to make extra part-time income

25. Definition of a Warm Referral
Someone who knows my name(s).
Someone who knows why I am calling.
Someone who is willing to schedule a minute appointment with me.
*There is no obligation for them to do business*

27. Please Fill Out The Questionnaire…
1 – I would like to become a client and get a free consultation and financial game-plan. 2 - I would like to become a part-time agent and earn extra income. 3 – I am not interested but would like to become a referral source.

29. Thanks To You, I Am Open For Business!