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FREEDOM LIVES HERE

FREEDOM LIVES HERE. The Financial Services Company For the 21 st Century. More than 100,000 representatives Greater than 2 million clients maintain investment accounts with us Over 4.3 million lives insured through our company

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FREEDOM LIVES HERE

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  1. FREEDOM LIVES HERE

  2. The Financial Services Company For the 21st Century • More than 100,000 representatives • Greater than 2 million clients maintain investment accounts with us • Over 4.3 million lives insured through our company • Largest Financial Services marketing organization in North America • All of this without any advertising • Research for yourself • Department of Banking • SEC (Securities Exchange Commission) • FINRA (formally N.A.S.D.) • State Insurance Department • Better Business Bureau • A+Superior Rating with AM Best Company

  3. Ask Yourself Three Questions As We Go Through The Presentation: • Is there a need for what we do? • Are these financial concepts helpful? • If people implemented these concepts, would they be better off? Our Mission:Help Families Become Properly Protected, Debt Free and Financially Independent • “The average American family carries $8,000 to $10,000 in credit card debt.” — CNNMoney.com, April 16, 2009 • “Two in 10 American households have no life insurance, and among those that do, 40% say they need more.” — INC.com, December 1, 2009 • 46% of workers feel “not too confident” or “not at all confident” that they will have enough money to live comfortably through retirement. — Employee Benefit Research Institute 2010 Retirement Confidence Survey • “Overall, 61% (of survey respondents) said they always or usually live paycheck to paycheck...” — CNBC.com, September 16, 2009 How real and serious are these problems?

  4. The Theory of Decreasing Responsibility Today 1. Young children 2. High debt/Mortgage 3. Little money saved 4. Need Life Insurance Loss of income would be Devastating At Retirement 1. Grown children 2. Debt/Mortgage paid 3. Money saved 4. Retirement $ needed You’re Self-Insured That’s How Life Works What Life Insurance company do you know of that teaches people how to eliminate the need for Life Insurance?

  5. Cash Value Life Insurance vs. Buy Term and Invest the Difference! $300,000 $300,000 $86 TERM and INVESTthe Difference CASH VALUE Life Insurance Same $250 WHOLE LIFE UNIVERSAL LIFE VARIABLE LIFE AGE 30 $627,837 $164 @ 10% $ 100,000 $100,000 $100,000 $250 Premium John Cash Value @ 65 Mary John Mutual Fund @ 65 Mary Premium 35 year Level Term $10,000 on each Child Which plan would you want?

  6. How Money Works Traditional Financial Institutions YourMoney GlobalEconomy Banks, Credit Unions, Insurance Companies = Historically Low Rates of Return

  7. $10,000 Number of Years 3% 6% 12% $20,000 0 6 12 18 24 30 36 42 48 $40,000 $40,000 $10,000 $10,000 $80,000 $20,000 $160,000 $20,000 $40,000 $320,000 $2,560,000 $640,000 $1,280,000 $160,000 $80,000 ? How many doubling periods do you have in your life? The Rule of 72 This simple calculation gives you the approximate number of years it will take to double your investment. 3% 6% 12% Based on the Rule of 72, a one-time contribution of $10,000 doubles six more times at 12% than at 3%.

  8. The 1st Step to Financial Success is Pay Yourself First 30 $382,830 $576,090 26 $637,000 25 What’s the High Cost of Waiting? $100 Monthly Savings for 40 Years (Age 25-65) @ 10% Hypothetical ($61,590) Wait 1 year ($254,850) Wait 5 years ($503,890) $133,790 40 Wait 15 years Who are people hurting if they wait? Rates of return are nominal rates, compounded monthly. Contributions are assumed to be made at the beginning of the month. The chart above is not indicative of any particular investment or savings vehicle where rates of return fluctuate. It does not take into consideration taxes or other applicable deductions.

  9. The Smart Solution Path Refinanced $215,000 for 25 years at $1,353 per month3 at age 35 Makes available $1,367 a month4 1st Mortgage $175,000 at $1,293(for 25 more years) Personal Debt $37,664 at $1,427 Total monthly payments = $2,720 Original Loan APR: 7.50% Original Term: 30 years Original Loan Amount: $184,955 Market Value of Home: $269,000

  10. The Smart Solution Path Invest $934 a month at 10% for 15 years = $387,100 Add $433 a month toward payment of principal $387,100 invested/home and all debt paid off in 15 years Take the $387,100 lump sum and invest with the $2,720 now available each month until age 67 The total, given a 10% return = $3.55 million Acceleration Additional principal payment of 1/12 of your regular P&I payment may result in reducing total time and cost of your mortgage debt. (Reduces a family’s housing debt faster, possibly saves thousands of dollars in interest and may increase borrower cash flow.)

  11. People Don’t Plan to Fail, They Fail to Plan The Solution: A Financial Needs Analysis A customized, confidential and complimentary program that helps you achieve your goals and dreams. The Problem: Traditional financial institutions sell you products. They don’t provide you with a total solution. A Financial Game Plan Most couples invest more time planning their Wedding, their Weekends & Two Week Vacations than their Entire Financial Future!

  12. Sample FNA Page: Snapshot of Your SituationIt’s not what you earn that counts it’s what you keep! How many people know their Financial Independence Number? How many people are Debt Free? How many people know their Debt Freedom Date? Of all the people who want to become debt free and financially independent, how many have a Written Plan? Would a Written Plan Help? This example is a hypothetical illustration and is not intended to reflect the financial position of any actual Primerica client. Not for use in New York.

  13. The Financial House Other Goals & Dreams 3 Steps to Building Dream/Goals 1. 2. 3. Blueprint/FNA Foundation College Savings Retirement Debt Elimination Cash Flow Plan, Emergency Fund Life Insurance, Will

  14. What You Would Have Earned Loan Investments Total Life Insurance Auto/H.O Insurance District Leader $516 + $84 + $860 + $189 = $1,421 RVP $980 + $95 + $1,666 + $347 = $2,718 RVP Override $464 $11 $806 $151 $1,432 The Key: To Train and Develop Others

  15. How Do Most People Make Their Money? No Control of TIME. No Control of MONEY. Control of TIME. Control of MONEY. Employee Has a job.Income based on position, not the person. Business Owner Owns a system.Has others working for him/her. Unlimited income potential via manufacturing, marketing, etc. Self-Employed Owns a job.Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson. Investor Has money working for them.Enjoys complete freedom and lives the dream. Limited control of TIME. Limited control of MONEY. Control of TIME. Control of MONEY. Which two ways to make money interest you the most? The Cash Flow Quadrant, CASH FLOW Technologies, 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.

  16. The 5 Reasons People Get Involved! • They Don’t Like their current job and are looking for a change & better income potential. • 2. They Love what they do… but an extra $1,000 -$2,000 per month would make a positive difference. • 3. They want to get a Financial Education so they can • win the Money Game. • They love Helping People and making a difference. • 5. They dream of owning their own business. Can you see where most people would be interested in at least one of these areas?

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