The Primerica Opportunity

Is there an income gap between your current take home pay and the income needed to achieve your desired goals and dreams? Then this may be the opportunity you have been looking for. This is not a get rich quick opportunity.

2. 2
Primerica
The best part-time
business opportunity
or
The best full-time
business opportunity

3. 3
Primerica
You Decide.
Full-timePart-timeor

4. 4
Just the Facts
$0.02 $0.08$0.04 $0.16
$20.48
$2,621.44$1,310.72
$10.24$5.12
$655.36
$20,971.52
$163.84
$1.28
$0.64
$5,242.88
$40.96
$0.32
$2.56
$327.68
$81.92
$10,485.76
$41,943.04 $83,886.08 $167,772.16 $335,544.32 $671,088.64 $1,342,177.28
$2,684,354.56 $5,368,709.12
$10,737,418.24
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
11 22 33 44 55 66 77
88 99 1010 1111 1212 1313 1414
1515 1616 1717 1818 1919 2020 2121
2222 2323 2424 2525 2626 2727 2828
2929 3030 3131
For illustrative purposes only. Not intended to demonstrate the growth potential of any specific investment.

5. What Do People Want?
When people talk about freedom,
they’re really talking about…
Quality of Life
5

6. What Is Quality of Life?
More … Time
6
More … Money
In 2009, Primerica paid a total of $515,691,076
to 100,000 life-licensed representatives, for an
average of $5,156 person.

7. 7
For Most People, These Things Are Just Wishes
Dream home
Would you want to
make this a reality?
A second home at the lake,
the beach, the mountains
Education for your children
Travel, entertainment,
hobbies, events
Charitable contributions to your
favorite cause
Building a legacy for your family
Toys – cars, boats

8. Which One Seems More Like Freedom?
Your Life Revolves
Around Your Job
Your Business Revolves
Around Your Life
8

9. 9
Quality of Life
What determines your quality of life?
How You
MANAGE
Your
MONEY
How You
MAKE
Your
MONEY

10. 10
Control of TIME.
Control of MONEY.
How Do Most People Make Their Money?
Self-Employed
Owns a job.
Dentist, doctor, lawyer, hair stylist,
real estate agent, salesperson.
Control of TIME.
Control of MONEY.
Investor
Has money working for them.
Enjoys complete freedom and lives
the dream.
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.
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.
No Control of TIME.
No Control of MONEY.
Limited control of TIME.
Limited control of MONEY.

11. 11
Working for Yourself Pays
Those who run their
own business tend to
build wealth faster
than employees.
$49,000
$67,000
Median Income
$67,000
$336,000
Median Net Worth
Wage Earners
Self-Employed
— Money, July 2009

12. 12
There Are Two Reasons People
Don’t Start a Business:
2.
Money1.
Ideas

13. Starting a Business
In Primerica, you are in business
FOR yourself, but not BY yourself!
13

14. 14
Listed on the
New York Stock Exchange
(PRI)
Primerica

15. Primerica
Primerica was named one of the
“Best [performing] IPOs in First Quarter of 2010.”
— Investopedia (a Forbes Digital Company), April 22, 2010
Among the initial investors:
Legg Mason
Invesco
Franklin Templeton
An Oppenheimer Fund
AGF Investments Inc.
15
Plus 200 other companies!

16. Among the Significant Holders of
Primerica Stock: Warburg Pincus LLC
Private equity firm with offices in the United States, Europe, and Asia
Private equity investor since 1966
Approximately $25 billion in assets under management
16
“At Warburg Pincus, we look for companies that we
believe deliver high value products to the consumer.
We believe Primerica is uniquely positioned to be the
top financial services distributor in North America.”
Michael E. Martin, Partner, Warburg Pincus & Co. and Managing
Director, Warburg Pincus LLC.

17. Among the Significant Holders of
Primerica Stock: Baron Capital Management
Founded by Ron Baron in 1982
Approximately $16 billion in assets under management
Ron Baron is listed on the Forbes 400 (The 400 Richest Americans)
and has a net worth of $1.3 billion
17
“Baron Funds invests for the long term in what we believe
are unique, well-financed businesses with open-ended
growth opportunities and sustainable competitive
advantages. We are most interested in businesses like
Primerica that provide products with broad appeal to an
underserved market.
“We like to say, ‘Baron Funds invests in people not just
buildings.’ Primerica is a good example of a company that
meets our investment criteria.”
Ron Baron, Chairman and Chief Executive Officer, Chief Investment
Officer, Baron Capital Management, Portfolio Manager of Baron Growth
Fund, Baron Partners Fund and Baron Retirement Income Fund

18. 18
We Are the Largest Independent Financial Services
Marketing Organization in North America
1 Size of life sales force (2009)
2 Aflac U.S. licensed sales associates
3 Estimated number of licensed sales professionals
4 Number of agents as of December 31, 2008 per the company Web site;
accessed January 10, 2010
5 Total number of sales representatives
6 Number of producing exclusive agents as of September 30, 2009
7 Global representatives
8 Number of financial advisors
9 Estimated number of financial advisors per the company Web site;
accessed February 25, 2010
10 Total financial advisors
11 Estimated number of financial advisors per fourth quarter 2009 report
Primerica
1
Aflac
2
Allstate
3 State
Farm
4
MetLife
5 Torch
mark
6
MSSB
7
BAML
8 Edward
Jones
9
Ameri
prise
10
Raymond
James
11
Insurance Agents
Brokers
Financial Advisors
5.3
12.012.5
15.0
18.1
7.5
12.6
17.6
32.0
75.3
100.0
Sales Force
(in thousands)

19. Primerica
New company with 33-year proven track record
#1 rank of in-force term life premium
–4.3 million lives insured
2 million investment clients
–$31 billion in assets under management
Accredited member of the Better Business Bureau
Doing business in one of the most highly regulated industries
Rated A+
Primerica Life’s, National Benefit Life’s and Primerica Life Insurance
Company of Canada’s financial strength is rated A+ (Superior) by A.M.
Best, the oldest and most prominent rating agency in the industry.*
*A.M. Best ratings range in order from the highest ratings as follows: A++, A+, A, A-, B++, B+, B, B-, C++, C+, C, C-, D, E, F. Primerica’s term
life insurance is underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY, in New York State, Primerica
Life Insurance Company, Home Office: Duluth, GA, in all other U. S. jurisdictions; and Primerica Life Insurance Company of Canada, Home
Office: Mississauga, Ontario, in Canada. Investments offered by: PFS Investments Inc., 3120 Breckinridge Blvd., Duluth, GA, 30099,
770-381-1000.
Could all these people be wrong?
19

20. Primerica Legal
Protection
Program20
Life Insurance
Annuities
Debt Solutions
Legal Protection
Long Term Care
Auto & Home Insurance
Referral Program
Mutual Funds
Quotes from such companies as:
Travelers
Safeco
Progressive
Primerica
DebtWatchers™
Offered by Primerica Client
Services, Inc. through
contractual agreement with

21. The Power of Primerica
A Main Street company delivering to Main
Street families
Common sense
solutions
If it’s complicated,
we don’t offer it
We teach people how
money works.21

22. 22
Ask Yourself
Do you believe it’s POSSIBLE for people in this country
to become properly protected, debt free and
financially independent?
How do you think most people would FEEL if they
woke up tomorrow morning properly protected, debt
free and financially independent?
12345678910
On a scale of 1-10, 10 being the highest, how would you
rate most people’s DESIRE to be properly protected,
debt free and financially independent?

23. 23
Ask Yourself
If most people have…
The DESIRE to be properly protected, debt free and
financially independent, and…
Believe it’s POSSIBLE for people in this country to
become properly protected, debt free and financially
independent, and…
Would FEEL UNBELIEVABLE if they were properly
protected, debt free and financially independent…
Then why aren’t more families properly
protected, debt free and financially independent?

24. How do most people manage their money?
They Don’t!
24

25. 25
You’ll Earn A Fortune In Your Lifetime
What you will earn over a 40-year career:
If you make:
If you AND your spouse each make:
$30,000 $1.2 Million
$40,000 $1.6 Million
$50,000 $2 Million
$30,000 $2.4 Million
$40,000 $3.2 Million
$50,000 $4 Million

26. 26
It’s Not What You Make, It’s What You Keep.
To have $1 million at age 65, would you rather save:
$158/month
from 25-65
25 65
$1,000,000
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments
which will fluctuate in value, and does not include taxes or fees which would reduce returns.

27. 27
It’s Not What You Make, It’s What You Keep.
$1,000,000
25
$442/month
from 35-65
35 65
To have $1 million at age 65, would you rather save:
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments
which will fluctuate in value, and does not include taxes or fees which would reduce returns.

28. 28
It’s Not What You Make, It’s What You Keep.
$1,317/month
from 45-65
35 6545
$1,000,000
To have $1 million at age 65, would you rather save:
25
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments
which will fluctuate in value, and does not include taxes or fees which would reduce returns.

29. 29
It’s Not What You Make, It’s What You Keep.
$4,882/month
from 55-65
45 6555
$1,000,000
To have $1 million at age 65, would you rather save:
3525
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments
which will fluctuate in value, and does not include taxes or fees which would reduce returns.

30. 30
It’s Not What You Make, It’s What You Keep.
45 55 6560
$12,914/month
from 60-65
$1,000,000
To have $1 million at age 65, would you rather save:
3525
This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual investments
which will fluctuate in value, and does not include taxes or fees which would reduce returns.

31. 31
It’s Not What You Make, It’s What You Keep.
45 55
Too Late
at 65
6065
$1,000,000
3525

32. Money Management Mistakes:
Not Understanding
How Money Works
32

33. 33
Bypass the Middleman
Banks, Credit Unions, Insurance Companies =
Historically Low Rates of Return
Traditional Financial Institutions
CDs and savings accounts are generally FDIC insured up to $250,000. Cash value life insurance offers life
insurance components in addition to the investment component.

34. 34
$4,000
$2,000
The Rule of 72
This simple calculation gives you the approximate
number of years it will take to double your investment.
Based on the Rule
of 72, a one-time
contribution of
$2,000 doubles
six 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.
The chart uses constant rates of
return, unlike actual investments,
which will fluctuate in value. It does
not include fees or taxes, which would
lower performance.
$2,000 $2,000
$4,000
$4,000
$8,000
$8,000
$16,000
$16,000
$32,000
$64,000
$128,000
$256,000
$512,000$32,000$8,000
0
6
12
18
24
30
36
42
48
Number
of Years 3% 6% 12%3% 12%6%

35. 35
How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
Dad
$30,000

36. 36
BILLS MORTGAGEDEBTINSURANCE TAXES
How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
Dad
$30,000
Where does it all go?
SAVINGGIVING

37. Money Management Mistakes:
Overpaying Taxes
37

38. 38
BILLS MORTGAGEDEBTINSURANCE TAXES
Where does it all go?
SAVINGGIVING
How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
Dad
$30,000
TAXES

39. Taxes
Average 2009 tax refund = $2,960
$2,960/12 months = $246/month
— USA Today, April 28, 2010
39
$246 Monthly Overpayment for 35 Years (Age 30-65)
If you make:
0% interest $103,320
3% interest $182,425
6% interest $350,479
12% interest $1,582,016
The hypothetical interest rates are for illustrative purposes only and not indicative of a guaranteed rate of
return on any investment. Illustrative rates of return are nominal, compounded monthly.

40. 40
Taxes
Your choice:
or IRS?IRA

41. Money Management Mistakes:
Debt
41

42. 42
BILLS MORTGAGEDEBTINSURANCE TAXES
Where does it all go?
SAVINGGIVING
How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
Dad
$30,000
Debt Mortgage

43. Makes available $1,367 a month
4
Refinanced $215,000 for 25 years
at $1,353 per month
3
at age 35
The Smart Solution
The above example is for illustrative purposes only. 1. The above monthly payment does not include taxes and insurance. 2. Based on the assumption that the present payment
program continues on three open-end credit card accounts with balances of $7,570, $8,830, and $5,500 respectively, each with an APR of 18%, 16% and 14.9% respectively, and
combined minimum monthly payments of $876 ($303 and $353 and $220 respectively) and one fixed installment car loan with a balance of $15,764, an APR of 6%, a monthly
payment of $551, and an original term of 60 months. 3. The above monthly payment does not include taxes and insurance. The payment reflects an annual percentage rate of
5.86% and a note rate of 5.75%. The loan in this illustration includes points and applicable closing costs, which are financed from the loan proceeds. Your actual closing costs
and APR may differ. 4. Assumes no additional debt is incurred.
Original Loan APR: 7.50%
Original Term: 30 years
Original Loan Amount:$184,955
Market Value of Home:$269,000
1st Mortgage
$175,000 at $1,293
1
(for 25 more years)
Personal Debt
$37,664 at $1,427
2
Total monthly payments = $2,720
43

44. The Smart Solution
5. The hypothetical interest rate is for illustrative purposes only and not indicative of a guaranteed rate of return on any investment.
Illustrated rates of return are nominal, compounded monthly. 6. This example assumes the payment + 1/12 option is chosen.
$387,100 invested/home and all debt paid off in 15 years
Invest $934 a month
at 10% for 15 years =
$387,100
5
Add $433
6
a month
toward payment of
principal
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.)
The total, given a 10% return = $3.55 million
5
Take the $387,100 lump sum and invest with the
$2,720 now available each month until age 67
44

45. 45
Be in the Know
Do you know your debt freedom date?
Do you know your FICO
®
* score?
When in your adult life did you feel you had control
of your credit score? Not your credit — the score?
Has anyone tried to steal your identity?
How would you know?
No matter what your personal debt situation is,
you can’t afford NOT to be in the know.
*FICO® is a registered trademark of Fair Isaac Corporation.
Product not available for purchase by residents of Washington D.C.
A good credit score can determine a lot of things
today — whether you will be approved for credit,
what interest rate you get on a loan, the cost of
homeowners and car insurance and much more.

46. 46
$353
$551
$303
$1,293
$2,720
$551
$303
$1,293
$2,720
$303
$1,293
$2,720
$1,293
$2,720
The Debt Stacking Concept*
* The above example is for illustrative purposes only. The Debt Stacking concept assumes that: (1) you make consistent payments
on all of your debts, (2) when you pay off the first debt in your plan, you add the payment you were making toward that debt to
your existing payment on the next debt in your plan (therefore you make the same total monthly payment each month toward
your debts) (3) you continue this process until you have eliminated all of the debts in your plan. In the example above, when the
retail card 1 is paid off, the $220 is applied to credit card 2, accelerating its payment to $573. After credit card 2 is paid off, the
$573 is applied to car loan for a total payment of $1,124. The process is then continued until all debts are paid off. Note that the
total payment per month remains constant.
Retail Card 1
Credit Card 2
Car Loan
Credit Card 1
Mortgage
Total
$1,124
$1,427
$2,720
+ $220
+ $573
+ $1,124
+ $1,427
$220
$353
$551
$303
$1,293
$2,720
$573

47. 47
The Debt Stacking Concept*
*This hypothetical assumes a constant nominal 10% rate of return compounded monthly, unlike actual
investments which will fluctuate in value, and does not include taxes or fees which would reduce returns.
Payoff Date May 2034
Without Debt Stacking
Interest Saved $0
With Debt Stacking
March 2019
182 Months Sooner
$130,643
Interest Paid $214,433
Monthly Payments $2,720
$83,789
$2,720
Once debts are paid off at age 35, invest $2,720 each month
until age 67 – the total, given a 10% return is $2.87 million.*

48. Money Management Mistakes:
Buying the Wrong Type
of Life Insurance
48

49. 49
BILLS MORTGAGEDEBTINSURANCE TAXES
Where does it all go?
SAVINGGIVING
How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
Dad
$30,000
Insurance

50. Today
1. Young children
2. High debt
3. House mortgage
Loss of income would
be devastating
At Retirement
1. Grown children
2. Lower debt
3. Mortgage paid
Retirement income
needed
How Life
Works
The Theory of Decreasing Responsibility
50

51. How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
Dad
$30,000
BILLS MORTGAGEDEBTINSURANCE TAXES
Where does it all go?
SAVINGGIVING
51

52. 52
How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
Dad
$30,000
Dad
$30,000
Household Income
$30,000
BILLS MORTGAGEDEBTINSURANCE TAXES
Where does it all go?
SAVINGGIVING

53. 53
Dad
$30,000
Life Ins
$300,000
Household Income
$30,000
How Does Primerica Help Families?
Household Income
$60,000
Mom
$30,000
BILLS MORTGAGEDEBTINSURANCE TAXES
Where does it all go?
SAVINGGIVING

54. Death Benefit Before Primerica
John $150,000
Mary $150,000
Children $0
Total coverage $300,000
Monthly Premium $298
Nearly THREE TIMES the coverage for $175 LESS per month!
Life Insurance:
Cash Value vs. Buy Term and Invest the Difference
Invest the Difference
Changed to Primerica’s Term
John $300,000
Mary $300,000
Children $25,000
Total coverage $625,000
Monthly Premium $123
Difference = $175/month!
$175 monthly savings invested at 10% for 35 years = $669,948 at age 65
1. Monthly premium is an average of whole life policies from three major North American life insurance companies for male, age 35, standard risk and female, age 33,
standard risk. Cash value life insurance can be universal life, whole life, etc., and may contain benefits in addition to a death benefit, such as dividends, interest, or cash
value available for a loan or upon surrender of the policy. Whole life usually has a level premium for the life of the policy. 2. Primerica monthly premium for age 35, non-
tobacco use for 35 year Custom Advantage policy (C535) and spouse age 33, non-tobacco use for 35 year Custom Advantage rider (C5SR), both with rates guaranteed for 20
years, plus a child rider of $25,000 each on two children, underwritten by Primerica Life Insurance Company, Home Office, Duluth, GA. Term insurance provides a death
benefit only and its premiums increase at certain ages. The accumulation figure reflects continued investment at the same rate over 35 years at a
10% nominal rate of return compounded monthly and does not take into consideration taxes or other factors, which would lower results. This example
uses a constant rate of return, unlike actual investments, which will fluctuate in value. This is hypothetical and does not represent an actual investment.
54

55. How Does Primerica Help Families?
Insured Cause of Death
Death Benefit
Before Primerica
Death Benefit
After Primerica
Survived by
Male, age 41
Motorcycle
Accident
$150,000 $643,000
Wife & 2 children,
ages 6 & 12
Male, age 26 Iraqi Sniper Fire $0 $400,000 Expectant wife
Male, age 34
Shot while on
police duty
$37,000 $550,000
Expectant wife
1 child, age 3
Female, age 22
Vehicular
Accident
$0 $250,000 Infant child
Female, age 34Cancer $0 $295,000
Husband & 2 children,
ages 4 & 8
Male, age 32
Vehicular
Accident
$40,000 $200,000
Wife & 3 children,
ages 5,10 & 11
Female, age 50Pneumonia $80,000 $400,000 Husband & son
We help Main Street families get the PROTECTION they need at a price they can AFFORD.
55

56. Money Management Mistakes:
Overpaying For Other
Types of Insurance
56

57. 57
A Common Sense Approach to Auto/Home Insurance
Auto & Homeowner’s Insurance offered through
Primerica Secure™, a referral service
Largest comparative quoting system with 20+ top
national insurers
Get competitive rate quotes in 10 minutes or less
Average savings is $478 per year for the average family*
(that’s $40/month)
No referral license or test is required to earn referral
fees in 33 states (including the District of Columbia)
Get as much quality protection as possible for the least amount of premium.
*The average savings amount is based on a survey of insurance premium information provided by 567 purchasers
of insurance from Answer Financial between January 1, 2009, and March 31, 2009.

58. 58
Invest the $40 Difference
Rates of return used in the above illustration are hypothetical and do not represent the returns of an actual
investment, which will fluctuate in value. The figures show a nominal rate of return compounded monthly and do
not take into consideration taxes or other factors which would lower performance.
$139,799
$90,420
12%
10%
8%
Rate of Return
$59,614
30 years
$25,000
$100,000
$50,000
$40
$75,000
$125,000

59. 59
Most people
don’t plan to fail,
they fail to plan.

60. 60
What’s Next?
Complete your FNA and
begin your own personal
program for proper
protection, debt freedom
& financial independence
(if you haven’t already).
Set up a time in the next 24-48 hours to:

61. 61
What You Would Make
Product DistrictRegionalRVP
Loan
Primerica DebtWatchers™
Life Insurance
Auto & Home
Investments
Total
How many people do you want to help?
$645
$50
$696
$55
$198
$1,644
$645
$74
$975
$60
$240
$1,994
$1,290
$110
$1,323
$85
$351
$3,159
These estimated earnings are based on the following assumptions: Life — Custom Advantage 35 policy for primary insured, totaling $300,000
(C535) at 35-year-old non-tobacco rates and spouse, totaling $300,000 (C535) at 33-year-old non-tobacco rates, plus a child rider at $25,000
each on two children. Loan — $215,000 $.M.A.R.T. Loan
®
. Investment — 12 monthly savings of $934 and $175 monthly saving from the life
insurance example into a mutual fund. DebtWatchers — one completed sale. Auto & Home — one completed sale.
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.

62. Four Things Every Business Needs
Any business
(whether it’s a restaurant, retail, manufacturing, etc.)
Location (building, supplies, equipment)
Licenses (certificates, etc.)
Client Base (customers)
People (you’ve got to build a team to
build a business)
62

63. Businesses Are Built With People
You can know everything about the business you’re
starting but to win you’ve got to have talented people
No one can do it alone (Bill Gates had Paul Allen, Steve
Jobs had Steve Wozniak, Thomas Edison had three
business partners!)
Surround yourself with great people
You can have a great product or a great service BUT if
you don’t have a great team no one will know about it!
Think about the 3-10 people you know
that you’d like to be in business with.
63

64. 64
Broker
$30,000$90,000
Traditional Brokerage Business
Broker
Agent
$90,000
Agent
$60,000
Override Income:
Agent
$30,000
In the Traditional Brokerage Business,
who has the best Quality of Life?
You ARE NOT rewarded by helping
others get a better quality of life!
$180,000$90,000

65. 65
Override Income
DistrictRegional RVP
Total $1,644 $1,994$3,127
$350
How many reps do
you want to override?
Build a team = Override
You help 1 family = $1,994
x 2= $700
$2,694
In 2009, Primerica paid a total of $515,691,076
to 100,000 life-licensed representatives, for
an average of $5,156 person.

66. 66
District Leader
You are a District Leader doing $2,500 in personal life premium per month.
You override downlines that produce $2,500 in premium.
Your personal life insurance business $783
Your overrides on your team $313
Income from other products $395
Total monthly cash flow $1,491
District Leader
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.
Fast Start Bonus Potential (in your first two months) $1,000

67. 67
Division Leader
You are a Division Leader doing $2,500 in personal life premium per month.
You override downlines that produce $5,000 in premium.
Your personal life insurance business $939
Your overrides on your team $626
Income from other products $1,103
Total monthly cash flow $2,668
Division Leader
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.
Fast Start Bonus Potential (in your first four months) $2,000

68. 68
Regional Leader
You are a Regional Leader doing $2,500 in personal life premium per
month. You override downlines that produce $7,500 in premium.
Your personal life insurance business $1,096
Your overrides on your team $1,409
Other income from securities, loans, auto
& homeowner’s insurance referrals, etc. $2,144
Total monthly cash flow $4,649
Regional Leader
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.

69. 69
Regional Vice President
You are an RVP doing $2,500 in personal life premium per month.
You override downlines that produce $7,500 in premium.
Your personal life insurance business $1,487
Your overrides on your team $1,800
Total in bonuses
1
$1,597
Other income from securities, loans, auto
& homeowner’s insurance referrals, etc. $3,610
Total monthly cash flow $8,494
Total annual cash flow $101,928
RVP
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.

70. 70
Regional Vice President
with One Direct RVP
You are an RVP doing $2,500 in personal life premium per month.
You override downlines that produce $7,500 in base shop premium
and $10,000 at first generation.
Your personal life insurance business $1,487
Your overrides on your team $2,708
Total in bonuses
2
$2,997
Other income from securities, loans, auto
& homeowner’s insurance referrals, etc. $5,316
Total monthly cash flow $12,508
Total annual cash flow $150,096
RVP
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.

71. 71
Senior Vice President
with a $30,000 Base Shop and Three Direct RVPs
You are an SVP doing $2,500 in personal life premium per month.
You override downlines that produce $27,500 in base shop premium
and $45,000 at first generation.
Your personal life insurance business $1,487
Your overrides on your team $9,956
Total in bonuses
3
$16,472
Other income from securities, loans, auto
& homeowner’s insurance referrals, etc. $14,062
Total monthly cash flow $41,977
Total annual cash flow $503,724
SVP
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.

72. 72
National Sales Director
with a $30,000 Base Shop and Six Direct RVPs
You are an NSD doing $2,500 in personal life premium per month.
You override downlines that produce $27,500 in base shop premium
and $90,000 at first generation.
Your personal life insurance business $1,487
Your overrides on your team $14,041
Total in bonuses
4
$30,122
Other income from securities, loans, auto
& homeowner’s insurance referrals, etc. $19,564
Total monthly cash flow $65,214
Total annual cash flow $782,568
NSD
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.

73. 73
Senior National Sales Director
with a $30,000 Base Shop and 15 Downline RVPs
You are an SNSD doing $2,500 in personal life premium per month.
You override downlines that produce $27,500 in base shop premium
and $135,000 at first generation and $90,000 at second generation.
Your personal life insurance business $1,487
Your overrides on your team $21,226
Total in bonuses
5
$48,759
Other income from securities, loans, auto
& homeowner’s insurance referrals, etc. $24,464
Total monthly cash flow $95,936
Total annual cash flow $1,151,232
SNSD
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.

74. 74
Primerica Success Stories
Ivan & Sharon Earle
Former Occupation:
Plant Worker
Joined Primerica:
Age 23
Achieved RVP in
just over 2 years
Primerica’s newest
million-dollar earner
Current Income:
$1,039,129*
*Cash flow as of 12-months ending May 2010
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.
Jim & Tammy Meyer
Former Occupation:
Pressman
Joined Primerica:
Age 18
Achieved RVP within
six months
Current Income:
$1,333,489*
George & Ursula
Chavez
Former Occupation:
Realtor
Joined Primerica:
2007
Current Income:
$123,482*
Collis & Britney
Temple
Former Occupation:
Student/Athlete
Joined Primerica:
2003
Achieved RVP in one
year at age 24
Current Income:
$479,900*

75. 75
Primerica Success Stories
Brett & Andrea
Burks
Former Occupation:
Student
Joined Primerica:
2003
Achieved RVP in less
than 2 years at age 23
Current Income:
$394,000*
*Cash flow as of 12-months ending May 2010
In 2009, Primerica paid a total of $515,691,076 to 100,000
life-licensed representatives, for an average of $5,156 person.
Yvette & Eddie
Henderson
Former Occupation:
Mechanical Engineer
Joined Primerica:
2004
Went RVP in less
than 1½ years
Current Income:
$203,000*
Jeff & Kelcey
Fieldstad
Former Occupation:
Advertising
Joined Primerica:
2004
25 years old
Current Income:
$461,000*
Frank Dillon &
Alain Dillon
Former Occupation:
Psychologist
Joined Primerica: 1995
Father & Son Team
Achieved RVP: 1999
Achieved million-dollar
earner status in less
than 7 years (July 2003)
Current Income:
$1,460,000*

76. 76
Our Target Market
Our goal is to serve the middle
market, and despite all of our
tremendous achievements, we
have barely scratched the
surface of our market share.
The new Primerica is uniquely positioned to dominate the market.
“The ‘need’ in the middle income markets greatly exceeds
the industry’s capacity to adequately serve these markets.”
— The Wall Street Journal, February 17, 2005
1.52%
— ACLI Fact Book, 2009

77. 77
The Primerica Business Opportunity
Low upfront costs
No inventory
Financially solid
Products people need
We do what’s right – not what’s being hyped
.
.
$99
Plus $25/month

78. 78
Why People Don’t Join:
6. No ambition or desire to do
or have more with your life.
4. Pride
5. Fear
1. Time
2. Money
3. Confidence/Belief
Ego

79. 79
What’s Next?
Submit your Independent
Business Application
(IBA + $99 initial licensing fee,
$25/mo. Business Building Support
System).
The Question All WINNERS Ask!

80. 80
What’s Next?
Sit down with your Field Trainer
to complete your Fast Track
Planner and begin a Game Plan
to Build Your Business
Set up a time in the next 24-48 hours to:

81. 81
Get Your Business and
Your Income off to a Fast Start
See Your
Field Trainer
For Details!
Learn how to earn your
FAST START BONUSES of
$500-$2,000

82. 82
YOU Are In Control
Keep Your
Job
And Build Your
Business
Keep Your
Job
Until You Build Your
Business

83. 83
It’s Decision Time
If you don’t make a change,
won’t the NEXT five years be the
same as the LAST five years?
Is that what you really want?

84. 84

85. 85
www.primerica.com
Important Notes
1 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP . 2 Assumes 20% Base Shop Bonus, average estimated Fast Start Bonus for RVP and 20% RVP Team Builders Bonus.
3 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus and average estimated Fast Start Bonus for RVP. 4 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus, average estimated Fast
Start Bonus for RVP and 5% NSD Bonus. 5 Assumes 30% Base Shop Bonus, 30% RVP Team Builders Bonus, average estimated Fast Start Bonus for RVP , 5% NSD Bonus and 2.5% SNSD Bonus; overriding 9 first
generation bonusable RVPs and 6 second generation bonusable RVPs.
Additional Notes
In Canada, not all products and services are available in all jurisdictions. No commissions are earned except upon product sales. In Canada, compensation levels noted for products and services
may vary by jurisdiction. Premium reflected is Gross Bonusable Premium. Contract advancement is subject to being in good standing with each Primerica Company. Examples assume sales of Custom
Advantage 30-year policy, issue ages 26-45, and QBI of 70%. In addition, Builder’s Track Bonus rate assumptions are: Senior Representative - 16%, District Leader - 20% personal and 8.5% over Sr. Rep and
Rep, Division Leader and Regional Leader – 8.5% over District, Sr. Rep and Rep, and all Regional Vice President categories (RVP, SVP, NSD, SNSD) - 15%. Base shop overrides for the District Leader
assumes one Sr. Rep and one Rep generating $1,250 in premium each; for the Division Leader, assumes one District Leader generating $2,500 in premium and one Sr. Rep and one Rep generating $2,500
in premium each; for the Regional Leader, assumes one District Leader and two Senior Representatives generating $2,500 in premium each; for the RVP and the RVP with one Direct RVP categories,
assumes one District Leader and two Division Leaders generating $2,500 in premium each; for the RVP with a $30,000 Base Shop and one Direct RVP, as well as the SVP, NSD, and SNSD categories,
assumes three District Leaders, four Division Leaders and four Regional Leaders generating $2,500 in premium each. For below-RVP categories, non-life cash flow examples assume the client continues
to pay for the respective products throughout the first year; for RVP and above categories, non-life cash flow examples are based on Company-wide experience for representatives at the stated sales
force level. For slides 104-109: Eligibility to earn overrides on loans is subject to meeting state licensing requirements and requirements of Primerica Financial Services Home Mortgages, Inc.
Important Earnings Disclosure: The cash flows stated are hypothetical and are not intended to demonstrate the earnings of typical RVPs/representatives. Rather, the cash flows that have been cited
reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/representatives do not achieve the levels
illustrated. In the 12 month period ending in December 2009, Primerica’s sales force consisted of approximately 100,000 life licensed representatives, to whom the Company paid a total of
‑ ‑
$515,691,076 in compensation, an average of $5,156 per licensed representative. Average RVP earnings are typically higher. Actual gross cash flow is, among other factors, dependent upon the size and
scale of a representative’s organization, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Having said this, Primerica provides a
tremendous opportunity for individuals who work hard and who desire to develop a business with strong income potential. The Company may from time to time modify, supplement or terminate any
compensation program in any manner. Further details are available from Primerica.
Life Insurance: In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, New York; in the United States (except in New
York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, Georgia; and in Canada, term life insurance products and segregated funds are
underwritten by Primerica Life Insurance Company of Canada, Head Office: Mississauga, Ontario. Primerica Secure: A personal lines insurance referral program in which representatives may refer
individuals to Answer Financial Inc. which offers insurance products and services through its licensed affiliates. Primerica, its representatives and the Secure Program™ do not represent any of the
insurers in the program. Primerica Legal Protection Program, a legal services contract from PrePaid Legal Services, Inc. Securities: In the United States, securities are offered by PFS Investments Inc.,
3120 Breckinridge Blvd., Duluth, Georgia 30099-0001. In Canada, representatives may be sponsored for mutual funds by PFSL Investments Canada Ltd., Head Office: Mississauga, Ontario. Loans: In the
United States, loan products are originated through Primerica Financial Services Home Mortgages, Inc., Primerica Financial Services Home Mortgages Limited Partnership of Arizona, and Primerica
Financial Services Home Mortgages Limited Partnership of Ohio, EQUAL HOUSING OPPORTUNITY. In Canada, representatives do not offer mortgage broker services, but may refer clients to AGF Trust
Company for debt consolidation loans. Primerica DebtWatchers™: Primerica, representatives of Primerica, Equifax and Primerica DebtWatchers will not act as an intermediary between Primerica
DebtWatchers customers and their creditors and do not imply, promise or guarantee that credit files or credit scores will or may be improved, repaired, boosted, enhanced, corrected or increased by
the use of the Primerica DebtWatchers product. See http://my.primerica.com or www.primericacanada.ca for additional Important Disclosures. Lending: In the United States, loan products are offered
by Primerica Financial Services Home Mortgages, Inc. through affiliated lenders. EQUAL HOUSING OPPORTUNITY. Please see www.primerica.com for Important Disclosures.
Primerica DebtWatchers™ is a trademark of Primerica, Inc. Products not available for purchase by residents of Washington D.C.
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