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WELCOME

WELCOME. NO FOOD OR DRINK PLEASE. Senior Regional leader. Tim Vance. WALL STREET JOURNAL.

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WELCOME

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  1. WELCOME NO FOOD OR DRINK PLEASE

  2. Senior Regional leader Tim Vance

  3. WALL STREET JOURNAL • “Private-equity firm Warburg Pincus has agreed to invest $230 million in Primerica Inc., the life-insurance and mutual-fund sales unit, according to securities filings…….. In return for its investment, New York-based Warburg will hold a roughly 23% stake in the company, according to a person familiar with the deal ……….. Warburg also has the option to invest $100 million at the IPO price, which could increase its stake…………..” March 3, 2010 WSJ

  4. THE PARAMOUNT QUESTION

  5. HOW MUCH IS YOUR TIME WORTH: • Someone works 40 hours a week and earns less than $50,000 a year. • Someone works 40 hours a week and earns more than $100,000 a year. • Someone works 40 hours a week and earns more than $500,000 a year.

  6. EMPLOYEES 95% OF POPULATION 5% OF THE NATIONS WEALTH CORE VALUE = SECURITY

  7. BUSINESS OWNERS 5% OF POPULATION 95% OF THE NATIONS WEALTH CORE VALUE = FREEDOM

  8. TIME • EMPLOYEES TRADE TIME • OWNERS LEVERAGE TIME

  9. BREAK FREE • LEVERAGE TIME • LEVERAGE MONEY • BUILD PASSIVE • RESIDUAL INCOME

  10. ARE YOU: • Uninterested in 9-5 to 65? • Sick of paycheck to paycheck? • Tired of just making ends meet? • Convinced that there has to be a better way?

  11. WHAT IF MONEY WERE NO ISSUE: • Who would you take care of? • Who would you support?

  12. THE GREAT AMERICAN PLAN 20 YEARS 45 YEARS 20 YEARS BORN DIE WORK RETIRE EDUCATION

  13. THE PREFERRED PLAN 20 YEARS 55 YEARS 5-10 YEARS BORN DIE DO WHAT I WANT, WHEN I WANT, WITH WHOM I WANT EDUCATION WORK

  14. OUR CRUSADE

  15. END THE MIDDLE CLASS SLIDE IN AMERICA • Adjusting for inflation, the minimum wage is 25-30% lower than twenty years ago. • The gap between the rich and poor is growing wider every year. • The top 10% earn more than the bottom 50% and owe $1.41 of debt for every dollar of income. • An equivalent standard of living financed by the average 2 income house of $52,000 in 1980 would demand an income of over $250,000 today based on inflation.

  16. The Problem: Traditional financial institutions provide products not solutions. MOST PEOPLE DON’T PLAN TO FAIL, THEY FAIL TO PLAN People are: Afraid, angry, nervous unprepared, poorly served & uneducated financially.

  17. The Solution: A Financial Needs Analysis A complimentary, confidential and customized program to help you achieve your financial goals. THE SOLUTION… Asset Accumulation Debt Elimination Income Protection Income Management The FNA provides solutions in these areas:

  18. DISTRICT LEADER SETH KING DEBT MANAGEMENT

  19. 1st Mortgage $175,000 @ $1,3501 (for 25 more years) Personal Debt $32,157 @ $1,2072 Total monthly payments = $2,557 Original Loan APR: 7.99% Original Term: 30 years Original Loan Amount: $184,100 Market Value of Home: $263,000 Before Primerica Let’s Look at the Jones Family* *The Jones family is a hypothetical family of four consisting of a 35-year-old non-smoking male, his wife and their two minor children. The Jones family is used to illustrate our products and is not intended to reflect any real people or family.

  20. Refinanced $210,000 for 25 years at $1,531 per month3 At age 35 Makes available $1,026/month4 Invest $658 a month at10% for 15 years = $272,7005 Add $368 a monthtoward paymentof principal $272,700 invested/house and all debt paid off in 15 years After Primerica

  21. After the house is paid off, take the $272,700 lump sum you accumulated and invest with the $2,557 now available each month until age 67 The total, given a 10% return = $2.84 million5 After Primerica

  22. DIVISION LEADER RAY WALTEMATE Building Wealth

  23. 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 four more times at 12% than at 4%. 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 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, which will fluctuate. How many doubling periods do you have in your life?

  24. REGIONAL LEADER ADAM DEANE Income Protection

  25. $500,000 $400,000 $84 INCOME PROTECTION 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

  26. Senior regional leader Tim Vance

  27. 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 SELF EMPLOYED Owns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Must be involved to increase income growth. INVESTOR Has money working for them. Enjoys complete freedom and lives the dream. 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.

  28. BUILDING DISTRIBUTION You Join – I.B.A. Complete Your F.N.A. Become A Client Complete 30-60 day training Get Your Licenses 1 CLIENT = $1,000 INSURANCE APP $10,000 INVESTMENTS $150,000 SMART Loan = $1,320w/ bonuses 3 CLIENTS/MO. = $3,960 X 12 = $47,520/YR

  29. BUILDING DISTRIBUTION YOU BECOME AN RVP 2 Loans, 2 Ins Sales, 2 $10k investments 1 Loan, 1 Ins Sale, 1 $10k investment 1 Loan, 1 Ins Sale, 1 $10k investment 1 Loan, 1 Ins Sale, 1 $10k investment 1 Loan, 1 Ins Sale, 1 $10k investment 1 Loan, 1 Ins Sale, 1 $10k investment $1,500/ Mo Income $1,500/ Mo Income $1,500/ Mo Income $1,500/ Mo Income $1,500/ Mo Income Override $4,085 Personal $9,174 Bonuses $5,580 Monthly Total $18,839 Annual Total $226,068

  30. So What Does It Take? Submit application – criminal background information Sit with who brought you and design a 30 day game-plan Thursday nights @ 7:00 p.m. Bring 5 people next Thursday Become certified

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

  32. NOW IS THE TIME

  33. ‘94 TOYOTA CAMRY

  34. GROWING UP

  35. Brandon & Lexee Neil 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 2-3 apts/ wk Now $1,015,843 0 apts/mo!! FREEDOM!!! Next 12 Mo. $2,000,000+ Former Occupation: Bill Collector/ Construction

  36. FROM 21-24 • Got licensed and earned $15,000 1st year learning. • Recruited and trained some teammates. • Built a branch within 13 months & $115,000 our 2nd yr. • Identified the ambitious and helped develop them a branch • Now 3.5 yrs in PFS we’ve 400 Licensed teammates w/ 7 RVP’S. We have a solid and growing passive income of $440,000+! • Began living life on our terms • Easy trade-off (3 yrs of our lives) now at ages 24 & 21 we earn $45k-$50k per month & have many others on their way and we are free!!

  37. 2 CHOICES • PAIN OF CHANGE • PAIN OF REGRET

  38. What Lies behind us & What Lies Before us, Are tiny compared to what lies within us! Gods definition of success is one of SIGNIFICANCE!!

  39. Why Not you? There's a bunch of stuff in life we can’t control, but there's a TON of stuff we can control! We can control winning and being the instigator of greatness for our families! Deep down inside you want to be somebody! You want to make a difference, to do something that really mattered! Our families need us our country needs us! And at the moment of need will you rise up and take a stand to do something great? See, Freedom isn't free. We've gotta fight for it.

  40. Will you be the one that delivers for your family? You choose TONIGHT!

  41. QUESTIONAIRE Please fill out and turn in before you leave.

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