Orlando Florida Feb 2012

LTC

Founded 1977 NYSE (PRI)Regional Vice President

(Broker/Owner)

Current:4000 Offices National27 Offices in Valley1.45% Market Share

Goal: 10% Market Share 20,000 Offices National 200 Offices in Arizona

Part-TimeFull-Time

Ownership

Debt Elimination

Auto / HomeInsurance

Insurance /Protection

Income

We are grooming people to own and run their own agencies.

InvestmentsIRA/401(k)

Free FNA

Life InsuranceSecure

Typical Example: Bob & Sue Smith: Ages 30 with 2 Children

BeforePrimerica

FNA

Debt: $13,000 in consumer Debt. 58 Years to Payoff $165,000 owed on mortgage

24 yrs remaining

Auto/Home: 2 cars and a Homeowners policy

$243 per month

Life Insurance:$300,000 Cash Value Life Insurance on Bob & Sue No Protection on the kids

$218 per month

Retirement: $20,000 in an IRA at the bank Earning a 3% Return $100 contributed per month

$131,240 saved by age 65

WithPrimerica

FNA

Debt: Primerica Debt Elimination System

20 yrs Completely out of Debt!$56,000 in Interest Saved

Debt Freedom Date

Auto/Home: Equal coverage New Premium

$178 per month$65 Saved Per Month

Life Insurance: $500,000 on Bob $300,000 on Sue $25,000 on the children

$95 per month$123 Saved Per Month

Retirement: Roll IRA assets into Mutual Funds $300 contributed per month

*10% average rate of return

$1,148,000* saved by age 65$200 Month Extra InvestedFinancial Independence Number

The Rule of 72…Sometimes called the Bankers Rule

Divide your interest rate into 72 to find the number of years it takes for money to double!

Where would you rather save your hard earned money?

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

What % do most people earn on their money, Low or High?

What % do most people pay on their debt, Low or high?

How do you win “The Money Game” earning low and paying high?

Do you see why they call this the Bankers rule?

Shouldn’t we have learned this rule in school?

The 1st Step to Financial Success is Pay Yourself First

$637,000 25

30 $382,830

26 $576,090

What’s the High Cost of Waiting?

$100 Monthly Savings for 40 Years (Age 25-65) @ 10%

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.

Who are people hurting if they wait?

($61,590)

($254,850)

Wait 1 year

Wait 5 years

Hypothetical

Wait 15 years 40 $133,790 ($503,890)

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)

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.

$300

,000

$300

,000

John Mary Premium

$86

Mutual Fund@ 65

TERM and INVEST the Difference

$164

@ 1

0%

$100

,000

$250

John Mary Premium Cash Value@ 65

CASH VALUE Life Insurance

$627,8

37

AGE 30

$100

,000

WHOLE LIFE

UNIVERSAL LIFE

VARIABLE LIFE

Same$250

Cash Value Life Insurance vs. Buy Term and Invest the Difference!

35 year Level Term $10,000 on each Child

Which plan would you want?

People Don’t Plan to Fail, They Fail to Plan

Most couples invest more time planning their Wedding, theirWeekends & Two Week Vacations than their Entire Financial Future!

The Solution: A Financial Needs AnalysisA 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 GPS

* Actual Compensation will vary per client

** Hypothetical multiple streams of income compensation example

For Educational and training purposes only not to be used or distributed to the public.

Four Ways to Earn IncomeEmployee

Has a Job Income Based on

position, not the person

Self Employed

Owns a JobDentist, Doctor,

Lawyer, Hair Stylist, Real Estate Agent

Business Owner

Owns a SystemHas others working for them. Unlimited Income Potential

Investor

Has Money Working for ThemPassive Residual Income

Enjoys complete FREEDOM

$1000 Training Bonus4 Recruits & 4 Sales*

in your first 120 Days

*1 Personal Sale*Must Be Licensed

As an RVP what if you trained 3 Trainers? 10 Trainers? Build Passive Residual Income

*Cash Flow Quadrant, Robert Kiyosaki

AgentAuto/Home

PLPPLife

InsuranceInvestments

PotentialBonus

Income

Field Trainer

$84 $80 $456* $166* See Above $786

Team Captain

$95 $100 $745* $290* See Above $1230

RVP $127 $125 $866* $432* $289 $1839

Team Captain Overriding Trainer RVP Overriding Team Captain

RVP Overriding Trainer

$444 $609 $1053