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

95% OF POPULATION

5% OF THE NATIONS WEALTH

5% OF POPULATION

95% OF THE NATIONS WEALTH

BORN

DIE

BORN

DIE

• 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.

END THE MIDDLE CLASS END THE MIDDLE CLASS SLIDE IN AMERICASLIDE IN AMERICA

The Problem:

Traditional financial institutions provide products not solutions.

People are:

Afraid, angry, nervous unprepared, poorly served & uneducated financially.

The Solution: A Financial Needs Analysis

A complimentary, confidential and customized program to help you achieve your financial goals.

The FNA provides solutions in these areas:

Asset AccumulationAsset Accumulation

Debt EliminationDebt Elimination

Income ProtectionIncome Protection

Income ManagementIncome Management

DISTRICT LEADER

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.

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 yearsOriginal Loan Amount: $184,100Market Value of Home: $263,000

Refinanced $210,000for 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 payment

of principal

$272,700 invested/house and all debt paid off in 15 years

After Primerica

After Primerica

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

DIVISION LEADER

The Power of Compound Interest

The Rule of 72This simple calculation gives you the approximate number of years it will take to double your investment.

How many doubling periods do you have in your life??

Age 3% 6% 12%

192531374349556167

$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

Based on the Rule of 72, a one-time contribution of $10,000 doubles four more times at 12% than at 4%.

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.

REGIONAL LEADER

$500

,000

$400

,000

John Mary Premium

$84

Mutual Fund@ 65

TERM and INVEST the Difference

$134 @

10%

$150

,000

$218

$ 5

2,0

00

John Mary Premium Cash Value@ 65

CASH VALUE Life Insurance

$5

08,0

00

AGE 30

$150

,000

WHOLE LIFE

UNIVERSAL LIFE

VARIABLE LIFE

Same$218

INCOME PROTECTION

EMPLOYEE *

Has a job. Income based on position, not the person. Income is fixed. Boss controls your lifestyle

BUSINESS OWNER

Owns a system. Has others working with them. Unlimited income potential via Franchising, Inventions, Network Marketing

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.

You1. Join – I.B.A.2. Complete Your F.N.A.3. Become A Client4. Complete 30-60 day training5. Get Your Licenses

1 CLIENT = 1 CLIENT = $1,000 INSURANCE APP $10,000 INVESTMENTS

$150,000 SMART Loan

= $1,320w/ bonuses= $1,320w/ bonuses3 CLIENTS/MO. 3 CLIENTS/MO. = $3,960 X 12 = = $3,960 X 12 = $47,520/YR$47,520/YR

Override $4,085Personal $9,174Bonuses $5,580

BUILDING DISTRIBUTIONBUILDING DISTRIBUTION

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

YOU BECOME AN RVP

$1,500/ Mo Income $1,500/ Mo Income$1,500/ Mo Income $1,500/ Mo Income $1,500/ Mo Income

Submit application – criminal background information

Sit with who brought you and design a 30 day game-planThursday nights @ 7:00 p.m.

Bring 5 people next ThursdayBecome certified

Heavily Subsidized by Primerica

• 2 Licenses– Insurance License– Securities License

• Approximately $1,800 initial commitment if self funded

•$99 & $25/mo. for Primerica Online Resources

‘94 TOYOTA CAMRY

GROWING UP

Brandon & Lexee Neil

YR 1 $ 20,483 4 apts/ wkYR 2 $ 104,987 6-8 apts/ wkYR 3 $ 183,052 6-8 apts/ wkYR 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

• 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!!

• What Lies behind us & What Lies Before us,

Are tiny compared to what lies within us!

Gods definition of success is one of SIGNIFICANCE!!

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.

Will you be the one that delivers for your family?

You choose TONIGHT!

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