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TEAM TENACIOUS

TEAM TENACIOUS. PRI MERICA. Welcome Please Mute Your Cell Phone!. TEAM TENACIOUS. PRI MERICA. National Sales Director Jim Martinson. Team Tenacious Expansion. By Jan 2011…. Our goals for New Offices Florida 1 Illinois 1 Minnesota 1 Missouri 1 Ohio 1

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TEAM TENACIOUS

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  1. TEAMTENACIOUS PRIMERICA Welcome Please Mute Your Cell Phone!

  2. TEAMTENACIOUS PRIMERICA National Sales Director Jim Martinson

  3. Team Tenacious Expansion By Jan 2011… Our goals for New Offices Florida 1 Illinois 1 Minnesota 1 Missouri 1 Ohio 1 Wisconsin 12 Part-Time training allowing a secure career transition.

  4. Financial Strength • 6 Billion dollars in our investment portfolio • Zero Debt & avg. income of over 500 million/yr! • Capital ratio is 400%: 8 X the legal requirement • 30+ year track record of growth • Pay over $2,500,000 a day in death claims

  5. We Live in Times of Chaos and Confusion

  6. The Headlines Tell The Story

  7. Employees Own a very small piece of nations wealth • 95% of the Population • 5% of the Wealth Core Value is Security

  8. Business Owners Own a very large piece of nations wealth • 5% of the Population • 95% of the Wealth Core Value is Freedom

  9. Today's Financial Crisis The Biggest Financial Challenge • 50% of Americans earn LESS than $25,000 per year Bureau of Labor Statistics

  10. The Solution we offerA Financial Needs Analysis - FNA • Debt • Insurance • Investments • Income Client Business

  11. The Demographics Of Families U.S. Government Wealthy Class: $100,000 Or More In Income Per Year 5% “By serving the middle-income market ignored by most of the financial industry, Primerica offers a unique opportunity to build your own business” Middle Class Market (Middle Class Jobs) 82.5% Poverty Class: $18,000 or less in income per year 12.5%

  12. SOLUTIONS FOR THE STRUGGLING MASS • GET OUT OF DEBT FASTER • INVESTING IN WORLD CLASS INVESTMENTS • PROTECTING FAMILIES

  13. Debt Problems • 3 million families lost their homes due to foreclosure in 2008, which is up 81% from 2007”.1 • In the next five years, 1.4 million Americans will see their mortgage payments more than double. Already, half a million homeownersare 90 days behind in their payments.2 U.S. Consumer debt has reached $2.43 trillion, or about $21,900 per household, a number that has doubled over the past decade.3 • There is nearly 1 trillion dollars of credit card debt for only 88 million Americans.4 1.USAToday January, 15, 2009 2.USA Today, November 24, 20083. SmartMoney, August 2007 4. Money, August 2007

  14. Debt Restructuring A Primerica Solution For Eliminating Debt Consumer Debt $76,000 $1,549/month 1st Mortgage $186,000 $1,175/month P&I (for 27 more yrs) Total Mo. Pmt. $2,724 $.M.A.R.T. Loan $269,000 For 20 Years New Month Payment$ 2,094 $ 100 Mo. Stay Out Of Debt Fund Monthly Savings $630 $ 100Mo. Towards principal acceleration $ 430 Mo. Roth IRA All Debts Paid Off In 15 Years and$164,000*in Roth IRA Now Invest $2,724 For 12 Years In Equity Mutual Funds $1,212,711*Additional Money For Retirement *Assuming a 10% Rate of Return

  15. The Power of Compound Interest The Rule of 72 This simple calculation gives you the approximate number of years it will take to double your investment. ? Age 3% 6% 12% Based on the Rule of 72, a one-time contribution of $10,000 doubles almost five more times at 12% than at 3%. The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment, in which rates of return will fluctuate. 19 25 31 37 43 49 55 61 67 $10,000 $20,000 $40,000 $10,000 $20,000 $40,000 $80,000 $160,000 $10,000 $20,000 $40,000 $80,000 $160,000 $320,000 $640,000 $1,280,000 $2,560,000 How many doubling periods do you have in your life?

  16. S&P 500 Total Return 10.99% $228,285 U.S. Long-Term Government Bonds 10.22% $185,492 30 Day T-Bills 5.84% $54,888 $30,903 U.S. Inflation 3.83% The Markets Rise & Fall, & Investors Make Money Growth of a $10,000 Investment (December 31, 1978 to December 31, 2008) What kind of return do you need to reach your goals? How can you invest to reach them? Investing in mutual funds may be a very good way!

  17. $500,000 $400,000 $84 Cash Value vs. Buy Term & Invest the Difference CASH VALUE Life Insurance TERM and INVESTthe Difference Same $218 AGE 30 WHOLE LIFE UNIVERSAL LIFE VARIABLE LIFE $508,000 $134 @ 10% $ 52,000 $150,000 $150,000 $218 John Mary Premium Cash Value @ 65 John Mary Mutual Fund @ 65 Premium

  18. Primerica Life Delivers PRIMERICA

  19. Why Primerica Life? • Primerica Delivers -100% Term 100% of the Time -#1 Marketer of Term Insurance -Average Submitted Face Amount $309,000 vs. the Industry $167,000 -Pay $2.5 Million in Death Claims Every Day. (30+ Claims a Day) -Average Death Claim is 5 Times the Industry Average. Paid out $890 mill. In 2008 -Total Face amount in Force $643 Billion -Average Cost Per $1000 = $3.04 vs. Industry $8.98 -Strong Financial Ratings (A+ by A.M. Best and “AA” by S & P) -Largest Life Insurance Sales Force in America -You… Needs Based Selling with an FNA!

  20. Art Williams had a goal of capturing 10% of the Life Insurance Market. After 30+ years of Greatness we only have 2% of the market. Let’s go finish the job and go get the other 8%.

  21. COMPENSATION

  22. IT’S NOT HOW MUCH YOU MAKE BUT HOW YOU MAKE IT BUSINESS OWNER Owns a system. Has others working with them. Unlimited income potential via Franchising, Inventions, Network Marketing EMPLOYEE Has a job. Income based on position, not the person. Income is fixed. Boss controls your lifestyle INVESTOR Has money working for them. Enjoys complete freedom and lives the dream. SELF EMPLOYED Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Must be involved to increase income growth. The Cash Flow Quadrant, CASH FLOW Technologies Inc.; used with permission. The Cash Flow Quadrant and ESBI are trademarks of CASH FLOW Technologies Inc. For information purposes only. Not for any product solicitation.

  23. BUILDING DISTRIBUTION You Join – I.B.A. Complete Your F.N.A. Become A Client Complete 30-60 day training (see 10 apts in 30 days) Get Your Licenses 1 CLIENT = $1,000 INSURANCE APP $10,000 INVESTMENTS $150,000 Debt Solution = $1,320w/ bonuses 3 CLIENTS/MO. = $3,960 X 12 = $47,520/YR

  24. BUILDING DISTRIBUTION YOU BECOME AN RVP 2 Full Servc Clients 1 Client 1 Client 1 Client 1 Client 1 Client $1,320/ Mo Income $1,320/ Mo Income $1,320/ Mo Income $1,320/ Mo Income $1,320/ Mo Income Override $4,085 Personal $9,174 Bonuses $5,580 Monthly Total $18,839 Annual Total $226,068

  25. Building Distribution You Become an SVP Annual Overrides & Bonuses Annual Income $150,552 Annual Overrides & Bonuses Annual Income $150,552 $50,000/ mo. $600,000 Year! Annual Overrides & Bonuses Annual Income $150,552

  26. Job/Career Problems • The average salary, $36,764, has stayed basically flat over the last 18 years3. • Unemployment is nearing 10%.4 At The Same Time, 57% Of People Dream Of Starting And Having Their Own Business. Demand for personal financial advisors is projected to grow a whopping 41% between 2006 and 2016 1. Fortune June 26, 200; 2. Time October 30, 2006; 3. Business Week, October 3, 2005; 4. Yahoo! News February 6, 2009; 5. Money, January 2007

  27. Crisis Or Opportunity • If you had the cure for the financial problems families are having, what kind of opportunity would that be? • We have barely scratched the surface, we have only helped 1.5% of our market! • With continued rising prices and other economic challenges, the stage is set for even more people that will need help in the middle market. To help more people, Primerica’s goal is to double our size over the next 5 years!

  28. 2 Choices • PAIN OF CHANGE • PAIN OF REGRET

  29. Trevor & Emily Rollins Last 12 months in Primerica $107,150 Former Occupation: Electrical Sales

  30. Jason & Kasey Harper 12 month cashflow: $135,679 Former Occupation: Road Construction/ Landscaping

  31. Cherie & Jeff Bone 12 month cashflow: $151,739 Former Occupation: UPS

  32. Casey and Brett Smith Former Occupation: Medical Sales Started March 2007, promoted to RVP on June 2008! Income as a RVP: $209,217 / mo

  33. Jeff & Kelcey Fieldstad 19 when he started, 24 years old today! Former Occupation: Retail - Kid 12 month cash flow: $345,213 Paid $48k in Oct 09!

  34. Marc & Jennifer Nichols Former Occupation: Highway Patrolman 32 months in the business $287,604

  35. Brandon & Lexee Neil Former Occupation: Bill Collector & Construction YR 1 $ 20,483 4 apts/ wk YR 2 $104,987 6-8 apts/ wk YR 3 $183,052 6-8 apts/ wk YR 4 $228,000 2-4 apts/ wk YR 5 $383,000 1-2 apts/ wk YR 6 $550,000 2-3 apts/ mo Now 14 RVPs, a big agency, and… $1,050,030/yr 0 apts/mo!! Building An Agency Will Give You Freedom And Choices!!

  36. So What Does It Take? Submit application – criminal background information Sit with manager and design a 30 day gameplan Wednesday nights @ 7:00-9:00 p.m. Bring 5 people next Wednesday Become certified

  37. LICENSING PROCESS • 2 Licenses • Insurance License • Securities License • Approximately $1,800 initial commitment if self funded Heavily Subsidized by Primerica • $99 plus $25/month for Primerica Online Resources

  38. START TODAY • Go into business with 6 figure income earners who will help you develop a business plan to go from start to $100,000 annual income • Be careful who you take advice from. Don’t allow someone else to steal away your opportunity! Be a leader, stand up for what you believe!

  39. WHAT DO YOU HAVE TO LOSE? • If it doesn’t work, you get a financial education. • If it does work, you get your life. • So DO IT!…

  40. QUESTIONNAIRE Please fill out and turn in before you leave. PRIMERICA

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