1.
Who we are:
• In business since 1977
• The largest independent financial services marketing organization in
North America
• Listed on the New York Stock Exchange (PRI)
• More than 4.3 million lives insured and more than 2 million client
investment accounts
All of this without any national TV or radio advertising!

2.
Ask Yourself Three Questions
As We Go Through The Presentation
1. Is there a need for what we do?
2. Are these financial concepts helpful for you?
3. If your family and friends implemented these
concepts, would they be better off?
Our Mission:
To help families earn more income
and become properly protected,
debt free and financially independent

3.
The Headlines Tell The Story
Six in 10 workers say that they are living paycheck to paycheck.
CareerBuilder.com Survey, April 12, 2011
The average American household with at least one credit card has nearly
$15,950 in credit card debt (in 2012).”
CNNMoney.com, viewed July 18, 2012
More than half of Americans have no emergency savings.
Time.com, August 11, 2011
Bankruptcies topped 1.5 million in 2010.
CNNMoney.com, January 3, 2011
95 million U.S. adults have no life insurance.
LIMRA, “Facts About Life 2011,” September 2011
More than half of all workers have less than $25,000 in savings and
investments for retirement.
The typical American household made less money last year than the
typical household made a full decade ago.
How real and serious are these problems?

4.
100 People After Working From Age 25 - Age 65
100 people at age 65:
54% dependent
36% working
5% deceased
4% OK ($1 million)
1% wealthy ($5 million)
Why do 95% fail when it comes to their finances?
1. No financial education
2. No financial game plan
3. No financial coach
Source: SmartMoney, 2001
1%4%
36%
5%
54%

5.
People Don’t Plan to Fail,
They Fail to Plan
The Problem:
Traditional financial institutions sell
you products. They don’t provide you
with a total solution.
Installment LoansBank Accounts
MortgageSavingsAccounts
YOU
The Solution:
A Financial Needs Analysis.
A customized, confidential and
complimentary program that helps
you achieve your goals and dreams.
A Financial GPS
It helps you find answers to
important questions.
*See endnotes for important disclosures.

6.
Do You Know Your
Financial Independence Number?
If you want to be financially free, you need
an estimate of how much you will need to
accumulate — your personal Financial
Independence Number (FIN)! Knowing this
number is a critical first step.
To get there, invest $585 per month for 30 years at 9% = $1,080,000
You want to retire in 30
years, with $30,000 a year…
30 years from now, after
3% inflation… $73,000 spends
like $30,000 does today. Your FIN is $1,080,000
This hypothetical example assumes 20 years of retirement income needed, at a 6% post-retirement rate of return and 3% inflation. Hypothetical investment
rates assume a nominal 9% rate of return, compounded monthly, and is not indicative of any specific investment. Any actual investment may be subject to
taxes and fees, which would lower performance. This example shows a constant rate of return, unlike actual investments which may fluctuate in value.
How important is it to know your Financial Independence Number?

7.
Bypass the Middleman —
Become an Owner, Not a Loaner
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. This limit expires December 31, 2013.
Cash value life insurance offers life insurance components in addition to the investment component.
Do The Banks Want You To Know This?

8.
The Rule of 72…
Sometimes called the Bankers Rule
Divide your interest rate into 72 to find the
approximate number of years it takes for money to double!
This table serves as a demonstration of how the Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an 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. It is unlikely that an
investment would grow 10% or more on a consistent basis, given current market conditions.
• How do you win a
game if you don’t
know the rules?
• Do banks or insurance
companies have any
incentive to teach us
this rule?
• Who would benefit
from learning this
rule?
• Shouldn’t we have
learned this rule in
school?
Years 1% 6% 12%
$3,634
6
12
18
24
30
36
42
48
54
60
$2,000 $2,000 $2,0000
1% 6% 12%
$4,000
$8,000
$16,000
$32,000
$64,000
$4,000
$8,000
$16,000
$32,000
$64,000
$128,000
$256,000
$512,000
$1,024,000
$2,048,000

9.
The First Step to Financial Success is
Pay Yourself First
When you don’t, there’s a high cost of waiting.
$100 Monthly Savings @ 9% for 40 Years (Age 27-67)
42 $112,950 (-$358,690)
32 $296,380 (-$175,260)
28 $430,040 (-$41,600)
27 $471,640
Rates of return are constant and 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, which would lower results.
Wait 15 years
($18,000)
Wait 5 years
($6,000)
Wait 1 year
($1,200)
Who are people hurting if they wait?

10.
SAME
$298
Cash Value Life Insurance vs.
Buy Term and Invest the Difference
Cash Value Life Insurance
Whole Life, Universal Life, Variable Life
Which program would you want?
Buy Term and Invest
the Difference
(35-year Level Term, $25,000 on two children)
$150,000
John
age 35
$150,000
Mary
age 33
$300,000
Mary
age 33
$300,000
John
age 35
$298
Monthly
Premium
$123
Monthly
Premium
Investment
at 70
$518,673
Monthly premium for cash value policies 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 or variable life, 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. 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, Executive Offices: 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 9% 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.
Cash
Value
?
?
?
$175
@9%

11.
Today
1. Young children
2. High debt
3. House mortgage
Loss of income would
be devastating
The Theory of Decreasing Responsibility
What life insurance company do you know of that teaches people
how to eliminate the need for life insurance?
How Life
Works
At Retirement
1. Grown children
2. Lower debt
3. Mortgage paid
Retirement income
needed

12.
Solution: Build Your Financial House
“A good rule of thumb is that you need between
eight to ten times your annual salary in life
insurance coverage.”
— The Wall Street Journal, April 12, 2006
Other Goals and Dreams
College Savings
Retirement
Debt Elimination
Budget - Emergency Fund - Will*
Protect Your Income / Term Life
On a scale of 1-10,
10 being the highest,
how would you rate
your desire to become
properly protected,
debt free and
financially
independent?
* Primerica Legal Protection program. Exclusions and limitations may apply. See plan for details.
Primerica representatives do not provide legal, tax or estate planning advice.

13.
Referrals/Earn Your Business/Expansion
Not to be used in New York.
© 2012 Primerica/44779/8.12/US/11PFS648-5