1. The New Builders
Compensation
For internal use only. Not to be used with, or distributed to, the public.

2. Our Company was Founded by
Visionaries and Dreamers
To Right a Wrong and Take on
a Corrupt Industry
To Give People a Chance to Go into
Business for Themselves and DREAM Again
2
For internal use only. Not to be used with, or distributed to, the public.

3. FACT…
We have delivered for more than 35 years:
• Over $14.6 billion in Death Claims
• Over $36 billion in Assets Under
Management
• Over $12.7 billion in cash since 1984 to
the greatest sales force in the world!!!
3
For internal use only. Not to be used with, or distributed to, the public.

4. We are a Company of Destiny!
In 2008 the financial system of the
world was SHAKEN!
• 439* bank failures since 20081
• $782 billion in bailouts2
“We don’t need a bailout, we just want a way out.”
— John Addison
• Europe teetering on the brink
• Like an ―economic meteor‖ hit the earth!
1. www.davemanuel.com/history-of-bank-failures-in-the-united-states.php
2. nytimes.com, July 24, 2011
4
For internal use only. Not to be used with, or distributed to, the public.

5. But…
We emerged a STRONG Public Company
with our destiny in our own hands!!
Strength Facts:
AM Best rating: A+
Our Risk-to-Capital Ratio is 560%!*
*As of 7-3-12
5
For internal use only. Not to be used with, or distributed to, the public.

6. Freedom has allowed us to deliver…
• Managed Accounts: Tapping into a market that experienced 219%
growth since the year 2000! In just one year, our clients have $350+
million in AUM!
• Fixed Indexed Annuities: The head of Retirement Plans at
Lincoln Financial says: “The fixed indexed annuity launch with
Primerica is the single greatest launch in the history of our company!”
• Revolutionary TermNow: Launched at the Convention! 60%
of policies are TermNow. 90% of policies taken via TurboApps.
No other company has what we have!
• Ownership: Greatest ownership program in the history of financial
services. Nearly 2,000 owners! More than 1,500 new owners just since
January 2012!*
• Field equity: Awarded 3.3+ million shares to the field = value of more
than 90 MILLION DOLLARS!**
* The Ownership Program is subject to terms, conditions and applicable regulatory requirements. Please see POL for the Ownership Program
documents and policies, which control in all respects.
** Value based on closing market price of $27.37 on July 31, 2012.
6
For internal use only. Not to be used with, or distributed to, the public.

7. Freedom has allowed us to deliver…
A new “state-of-the-art” Home Office:
To support the Field for next 25 years!!
7
For internal use only. Not to be used with, or distributed to, the public.

8. But…
• People, not products, are the cornerstone
of Primerica
• At its core, Primerica is a LEADERSHIP
Company!
• Here, frustrated people find a home and
–
–
–
–
8
Grow
Improve
Develop
Build
For internal use only. Not to be used with, or distributed to, the public.

9. And become Great Leaders!
To fulfill our destiny we must
re-focus on this fact!
Our future is only as great as the
Future Leaders and RVPs we build!!
9
For internal use only. Not to be used with, or distributed to, the public.

10. We Must:
• Re-focus on people and the opportunity
we provide
• Create a clear mission to build new leaders
and successful RVPs
• Have a clear path for every RVP to achieve
financial freedom!
• Leaders focused on the success of their
people; major earning potential for helping
others succeed.
10
For internal use only. Not to be used with, or distributed to, the public.

11. We Must:
• View every recruit not as premium but
a future
– District
– Regional Leader
– RVP
• We have an obligation to deliver what
we promise!!
11
For internal use only. Not to be used with, or distributed to, the public.

12. Fact…
We are the company that can
Dominate Financial Services
Distribution in the next 20+ years!
12
For internal use only. Not to be used with, or distributed to, the public.

13. The Questions
• How Big can we Dream?
• How Big can we Build?
• Will this team fulfill its Destiny?
• We were born for these times
and this moment!
13
For internal use only. Not to be used with, or distributed to, the public.

14. Fact:
Leaders do what compensation rewards
them to do
Fact:
182 RVP promotions in the last 12 months
14
For internal use only. Not to be used with, or distributed to, the public.

15. Goals:
• Incentive for ―tons‖ of $10k+ base shops
• Big win for ―Main Street‖ RVPs… the
fabric of our Company forever!!!
• Incentive for our superstars to build
hierarchies and get BIG!!!
15
For internal use only. Not to be used with, or distributed to, the public.

16. • Incentive for builders to work with all
their RVPs… not just 1sts
• Incentive to build all types of RVPs
– Securities Producers
– Big Base Shops
– Builders
• A big dream to build a huge team and
have no base shop requirement
16
For internal use only. Not to be used with, or distributed to, the public.

17. BUT, a huge incentive to
keep building firsts!
17
For internal use only. Not to be used with, or distributed to, the public.

18. Build a TRUE Career not a Month
• Step 1 — Get Licensed. Get to District
• Step 2 — Get to RVP and build a base shop to
build leaders and RVPs — not just premium
• Step 3 — SVP a Owner ($300K in cash)*
– Three direct 1sts
– Have $50K Thru 1st with a minimum
$10K base shop.
See Earnings Disclosure on slide 46.
* SVP title not a requirement for Ownership. The Ownership Program is subject to terms, conditions and applicable regulatory requirements.
Please see POL for the Ownership Program documents and policies, which control in all respects.
18
For internal use only. Not to be used with, or distributed to, the public.

19. Build a TRUE Career not a Month
• Step 4 — NSD a Builder Who Has Built Builders
– Six direct 1sts
$100K Thru 2nd w/minimum $10K base shop
• Step 5 — SNSD Lead a Team, Live a Dream
– Nine direct 1sts
$250K Thru 3rd and NO Base Requirement
Total Freedom!
19
For internal use only. Not to be used with, or distributed to, the public.

20. Build a Business not a Month
BUT!
Huge Incentive to keep Building 1sts
No Penalty
Just Incentive
20
For internal use only. Not to be used with, or distributed to, the public.

21. New Builders Compensation
Base Shop: 110%
RVP Spread
Level
Writing
Old
New
% Change
Rep
25%
70%
21%
• Gigantic Spread
Increase a
SRP
35%
60%
DIS
50%
45%
• Max RVP advance
per sale increases to
$1,500 from $1,000
DIV
60%
35%
Reg
70%
25%
SRL
80%
15%
85%
75%
60%
50%
40%
30%
RVP
110%
• Up from 95 points
to 110 points
25%
33%
43%
60%
100%
Plus, RVPs get 10% base bonus at $10,000.
That’s 120%!
Qualify based upon one month of $10,000 or rolling 3-month total of $30,000
*See important notes on page 46.
21
For internal use only. Not to be used with, or distributed to, the public.

22. New Builders Compensation
Huge win for masses of RVPs
89% are up Day One
Focus on building a base to build a
business, not just build a month.
22
For internal use only. Not to be used with, or distributed to, the public.

23. New Builders Compensation
Overrides: 33.25%
• 23% increase a
Level
Old
New
% Increase
1st
2nd
3rd
4th
5th
6th
Total
14.5%
5.5%
4.5%
1.5%
0.5%
0.5%
27.0%
15.00%
10.00%
5.00%
1.75%
0.75%
0.75%
33.25%
3%
82%
11%
17%
50%
50%
23%
35% of funding moved from bonuses
to commissions
• More stable
• More predictable
• Don’t start new month ―broke‖
23
For internal use only. Not to be used with, or distributed to, the public.

24. Leadership Development Bonuses
• 74% of Compensation now in Points
• 26% in bonuses!
A real Bonus System —
not all of Comp
24
For internal use only. Not to be used with, or distributed to, the public.

25. Leadership Development Bonuses
Huge Improvements
• All direct RVPs on your team are potentially
bonusable to you as the upline…
no $5,000 minimum
• All bonus qualifications based on current
month OR rolling three-month average…
no monthly cliff
• Missed Leadership Development Bonuses stay
in the hierarchy and roll to Qualified Leader
25
For internal use only. Not to be used with, or distributed to, the public.

26. Leadership Development Bonuses
Bonus Paid to
Qualified Upline
Up to 3 Generations
Maximum
Potential
Bonus
Bonus Qualification
Requirements
(1 or 3 month average)
Leadership Upline
Bonus Received
with Qualification
10% 1st Upline
QRVP
10%
$10k Base
RVP
17%
$50k Thru 1st +
$10k Base
SVP and RVP
4% 1st Upline
QNSD
21%
$100k Thru 2nd +
$10k Base
NSD, SVP
and RVP
2% 1st Upline
QSNSD
23%
$250k Thru 3rd
SNSD, NSD,
SVP and RVP
1st
7% 1st Upline
QSVP
26
For internal use only. Not to be used with, or distributed to, the public.

27. Leadership Development Bonuses
• Huge incentive to develop strong legs
• Giant incentive to work with ALL downlines
• Incentive to build strong 1sts and celebrate
when they build 1sts
• Titles are important…
– SVP, NSD, SNSD promotions — a big deal!!
27
For internal use only. Not to be used with, or distributed to, the public.

28. Power Builder Bonus and Qualifications
Special Power Builder Bonus for Big Hitters:
• SVPs and above
• Paid monthly on their net thru 1st bonusable premium
• Qualifications are rolling 3- or 12-month gross bonusable premium
average of $20,000 base shop and $75,000 through first:
– Rolling 3-Month total of $60,000 base shop and $225,000 thru 1st
Or
– Rolling 12-Month total of $240,000 base shop and $900,000 thru 1st
Example:
• A bonus-eligible NSD is doing $100,000 thru 1st with 70% QBI
• Funding for the current month bonus is paying about 7.5%*
• $100,000 x 70% x 7.5% = $5,250 Power Builder Bonus
*Power Builder Bonus percentage is subject to change month-to-month.
28
For internal use only. Not to be used with, or distributed to, the public.

29. $100,000 RVP — Revolutionary Opportunity
Focus: Build Your 1st RVP
RVP
$10,000 Base / $2,500 Personal
50% Spread
Direct Division
$2,500
• Three Direct teams doing $2,500 each
and $2,500 RVP Personal production
• $700 from Bonuses/month
• $4,227 from Commissions/month
29
60% Spread
Direct Division
$2,500
Direct District
$2,500
• $3,641 from Securities and other/month
– the company average for RVPs earning $100,000 per year.
For internal use only. Not to be used with, or distributed to, the public.

30. $200,000 RVP — Builds an RVP
Focus: Become an SVP
RVP
$15,000 Base / $5,000 Personal
15% 1st Override
+ 10% RVP Bonus
25% Total
1st Gen RVP
$10,000
50% Spread
Division #1
$2,500
• Four Direct base shop teams doing $2,500
each and $5,000 RVP Personal production
• One downline RVP doing $10,000
• $1,750 from Bonuses/month
30
Division #2
$2,500
60% Spread
District #1
$2,500
• $6,888 from Commissions/month
• $7,225 from Securities and other/month
– the company average for RVPs earning $200,000 per year.
• See Important Notes on slide 46.
For internal use only. Not to be used with, or distributed to, the public.
District #2
$2,500

31. $300,000 SVP —
The Ownership Position
Focus: Build to Power Builder Level
SVP
$20,000 Base / $50,000 Thru 1st
1st
15%
Override
+
10% +
RVP Bonus
RVP #1
$15,000
•
•
•
•
31
7%
SVP Bonus
=
32%
Total
RVP #2
$7,500
Three 1st doing $30,000, $20,000 Base Shop $50,000 Total
$50,000 Thru 1st
$5,000 from Bonuses/month
$11,000 from Commissions/month
• $9,000 from Securities and other/month
– the company average for SVPs earning
$300,000 per year.
• See Important Notes on slide 46.
For internal use only. Not to be used with, or distributed to, the public.
RVP #3
$7,500

32. $750,000 NSD
Focus: Build to SNSD
NSD
$15,000 Base / $210,000 thru 2nd
15%
+
10%
+
7%
+
1st Override
RVP Bonus
SVP Bonus
SVP
RVP
RVP
$20k
10%
2nd
+
4% =
Override NSD Bonus
RVP
$15k
RVP
$15k
14%
Total
10%
2nd
NSD Bonus
7% +
RVP
RVP
$10k
$10k
RVP
$10k
if Power Builder
Bonus NSD at 1st
Total
RVP
RVP
$12.5k
+
43.5%
36%
$5k
$10k
4% =
Override SVP Bonus NSD Bonus
• Six 1st doing $90,000 and Eight 2nds doing $105,000
• $22,500 Bonuses/month
• $20,500 Commissions/month
32
=
RVP
$30k
$10k
4%
RVP
$10k
21%
Total
RVP
$10k
10%
+10%
+ 7%
+ 4%
2nd Override
RVP Bonus
SVP Bonus
NSD Bonus
31% Total on 2nd
RVP
• $19,500 from Securities and other/month
– the company average for NSDs making $750,000 per year.
• See Important Notes on slide 46.
For internal use only. Not to be used with, or distributed to, the public.
$25k
Today, NSD max
on 2nd = 10.5%!
(5.5% + 5% bonus)

33. $1,000,000 SNSD
Focus: Build deep and wide to maximize compensation
SNSD
$300,000 thru 3rd / No Base Shop
15%
1st
SVP
$30k
+
Override
10%
RVP Bonus
SVP
$10k $10k $10k
+
SVP Bonus
4%
$15k
+
NSD Bonus
RVP
$10k
10% + 4% + 2% = 16%
RVP RVP RVP
7%
RVP
$20k
2nd Override NSD Bonus SNSD Bonus
+
= 38%
2%
SNSD Bonus
RVP
RVP
$15k
$15k
Total
RVP
$15k
10% + 7% + 4% + 2% = 23%
Total
2nd Override SVP Bonus NSD Bonus
RVP RVP RVP
$10k $10k $10k
RVP
$10k
RVP
$10k
RVP
$10k
SNSD Bonus
RVP
$10k
RVP
$10k
Total
RVP
$10k
45.5%
if Power Builder
Bonus SNSD at 1st
RVP
RVP
$7.5k
+
+
+
+
10%
10%
7%
4%
2%
$7.5k
2nd Override
RVP Bonus
SVP Bonus
NSD Bonus
SNSD Bonus
33% Total on 2
RVP RVP
$10k
$10k
nd
RVP
$10k
Today, SNSD max on 2nd = 13%! (5.5% + 7.5% bonus)
33
• Nine 1st doing $150,000 and
Fifteen 2nds doing $150,000
• $37,000 Bonuses/month
• $23,500 Commissions/month
• $23,000 from Securities and other/month
– the company average for SNSDs making $1,000,000 per year.
• See Important Notes on slide 46.
For internal use only. Not to be use only. Not to be used with, or public.
For internal used with, or distributed to, the distributed to, the public.

34. SNSD New 1st Example
Big incentive (not penalty) to keep building 1sts!!
SNSD
$250,000 Thru 3rd
New
1st
RVP
+
+
+
+
15%
10%
7%
4%
2%
38%
1st Override
RVP Bonus
SVP Bonus
NSD Bonus
SNSD Bonus
Total on 1st
Plus potential
for another
+ 7.5% Power Builder
45.5% Total
*See Important Notes on slide 46.
34
For internal use only. Not to be used with, or distributed to, the public.

35. SNSD Example: Big Comp Potential @ 3rd
SNSD
$250k Thru 3rd
Huge incentive for leaders to “Reach Down” to
new stars — in this example an SNSD gets 28%
commissions and bonus on thru 3rd! WOW!
15%
1st Gen
RVP
$7,500 base
2nd Gen
RVP
$7,500 base
1st Override
= 38%
45.5%
10%
2nd Override
= 33%
+10%
+7%
RVP Bonus
SVP Bonus
+4%
+2%
SNSD Bonus
+2%
NSD Bonus
SNSD Bonus
Total on 1st
Total on 1st if Power Builder SNSD
+10%
+7%
RVP Bonus
SVP Bonus
+4%
NSD Bonus
Total on 2nd
Today, SNSD max on 2nd is 13%! (5.5% + 7.5% bonus)
3rd Gen
RVP
$50,000 base
*See Important Notes on slide 46.
35
5%
3rd Override
= 28%
+10%
RVP Bonus
+7%
SVP Bonus
+4%
Total on 3rd
Today, SNSD max on 3rd is 7%! (4.5% + 2.5% bonus)
For internal use only. Not to be used with, or distributed to, the public.
NSD Bonus
+2%
SNSD Bonus

36. Recap
• Bombshell 110% RVP Contract
– 89% of RVPs are up Day 1
– Giant spread increase
– RVP max advance increases to $1,500 per sale
• 10% Bonus @ $10,000
– 120% above $10k
• All Bonuses Rolling 3-month Average or
current month
• Overrides increased by 23%
See Important Notes on slide 46.
36
For internal use only. Not to be used with, or distributed to, the public.

37. Recap
• Bombshell second generation from
– 5.5% to 10%
– That is an 88% increase!!
• New Leadership Development System
– Bonuses to 1st Upline:
• 10% Qualified RVP
– ($10,000 or $30,000 rolling 3 months)
• 7% Qualified SVP
– ($10,000 + $50,000 Thru 1st or $30,000 + $150,000 rolling 3)
• 4% Qualified NSD
– ($10,000 + $100,000 Thru 2nd or $30,000 + $300,000 rolling 3)
• 2% Qualified SNSD
– ($250,000 Thru 3rd or $750,000 rolling 3)
37
For internal use only. Not to be used with, or distributed to, the public.

38. Recap
• All RVPs count for Leadership Bonuses
– (no $5,000 minimum)
• ―Missed‖ Leadership Development
Bonuses Roll Upline through
3 generations… Bonuses stay in hierarchy
• Huge incentive for best leaders to
―reach down‖ and support hierarchy
38
For internal use only. Not to be used with, or distributed to, the public.

39. August 2012 — A Moment of Destiny
TOP PRIORITY:
Build toward our
greatest convention ever…
JUNE 2013
39
For internal use only. Not to be used with, or distributed to, the public.

40. August 2012 — A Moment of Destiny
• MORE recruits!
Potential NEW RVPs!
• MORE licenses!
• Promotions in MOTION!
–
–
–
–
40
Districts
Divisions
Regional Leaders
RVPs
For internal use only. Not to be used with, or distributed to, the public.

41. August 2012 — A Moment of Destiny
Builders
in Motion!
•SVP
•NSD
•SNSD
41
For internal use only. Not to be used with, or distributed to, the public.

42. August 2012 — A Moment of Destiny
Growth in ALL AREAS
of our business!
•Insurance
•Securities
•Cash
42
For internal use only. Not to be used with, or distributed to, the public.

43. August 2012 — A Moment of Destiny
Growth as Leaders:
• Best ATTITUDE ever
• Leaders CREATE momentum,
don’t wait for momentum
• MASSIVE activity
• It is the DAWN of a new era!
43
For internal use only. Not to be used with, or distributed to, the public.

44. August 2012 — A Moment of Destiny
• This team has a destiny to fulfill
• This team was born for:
– These times
– This moment
• This team will DOMINATE
FINANCIAL SERVICES!
44
For internal use only. Not to be used with, or distributed to, the public.

45. “Destiny is not a matter of chance; it is
a matter of choice. It is not a thing to be
waited for; it is a thing to be achieved.”
— Winston Churchill
45
For internal use only. Not to be used with, or distributed to, the public.

46. Important Notes
For bonuses and commissions, all usual compensation system rules apply. See POL Home / Compensation tab for
additional details on the new commissions and new bonuses. The percentages on slides 21, 30 – 36 reflecting a total
payout refer to the company funded amounts, as commissions and bonuses are not calculated in the exact
same manner (for example, bonuses are subject to QBI but no chargebacks, and commissions are subject to
chargebacks but no QBI, etc.).
Earnings Disclosure: The cash flows stated 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 2011, Primerica paid a total of
$504,514,944 in compensation to the sales force at an average of $5,544 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.
© 2012 Primerica/44627/12POL154-2/8.12
46
For internal use only. Not to be used with, or distributed to, the public.