44767 new oppnight_us_ppt

US/44767/9.12/v15/10PFS142-20

Please

Enjoy your time with us!2

Turn off/mute all cell phones.1

Keep movement to a minimum while the meeting is taking place.

3Save all questions for after the meeting.2

4

3

Primerica

The best part-time business opportunity

orThe best full-time

business opportunity

4

Primerica

You Decide.Full-time

Part-time

or

5

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 $10,737,418.2

4

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.

What Do People Want?

When people talk about freedom, they’re really talking about…

Quality of Life6

What Is Quality of Life?

More … Time

7

More … Money

In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 person.

8

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

Which One Seems More Like Freedom?Your Life Revolves

Around Your JobYour Business Revolves

Around Your Life

9

10

Quality of Life

What determines your quality of life?

How You MANAGE

Your MONEY

How You MAKE

Your MONEY

11

Control of TIME.Control of MONEY.

How Do Most People Make Their Money?

Self-EmployedOwns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.

Control of TIME.Control of MONEY.

InvestorHas 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.

EmployeeHas a job. Income based on position, not the person.

Business OwnerOwns 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.

12

Working for Yourself PaysThose 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

13

There Are Two Reasons People Don’t Start a Business:

2.Money

1.Ideas

Starting a Business

In Primerica, you are in business FOR yourself, but not BY yourself!14

15

Listed on the New York Stock Exchange

(PRI)

Primerica

Each Primerica company is responsible for its own financial obligations.

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.

16

Plus 200 other companies!


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

17

“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.


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

18

“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


19

We Are the Largest Independent Financial Services Marketing Organization in North America

Source: company filings and websites. Data as of December 31, 2010 unless otherwise noted(1) Size of life sales force as of March 31, 2011. Approximately 22,500 sales representatives are also licensed to sell mutual funds in North America as of December 31, 2010(2) Aflac U.S. licensed sales associates(3) Number of licensed sales professionals(4) Number of agents

(5) Total number of sales representatives as of September 30, 2010

(6) Number of producing exclusive and independent agents(7) Global representatives(8) Number of wealth advisors(9) Number of financial advisors

Aflac2 Allstate3 State Farm4 MetLife5 Torch-

mark6 MSSB7 BAML8 Edward Jones9

Ameri-prise9

Raymond James9

Insurance Agents

Brokers

Financial Advisors

511131718

71318

36

73

~92

Sale

s For

ce(in

thou

sand

s)

1

Primerica Life

Licensed Reps

Primerica Mutual

Fund Licensed

Reps

Primerica

• New company with 35-year proven track record• $664 billion of term life insurance in force

– More than 4.3 million lives insured through our life companies• 2 million investment clients

– More than $35 billion in assets under management (as of June 2012)• 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.*

*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, Executive Offices: 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?20

Primerica DebtWatchers™Offered by Primerica Client Services, Inc. through contractual agreement with ®

21

Life Insurance

Annuities1,3

Debt Solutions1,2

Legal ProtectionLong Term Care

Auto & Home InsuranceReferral Program

Mutual Funds3,5

Quotes from such companies as:

Travelers Safeco

Progressive

See endnotes pages for important disclosure.

Managed Accounts1,4

401(k) Plans1,3

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

22

We teach people howmoney works.

23

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?

1 2 3 4 5 6 7 8 9 10

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?

24

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?

How do most people manage their money?

They Don’t!

25

26

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

27

It’s Not What You Make, It’s What You Keep.

To have $1 million at age 67, would you rather save:

$178/month from 25-67

25 67

$1,000,000

This hypothetical assumes a constant nominal 9% 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


$1,000,000

25

$451/month from 35-67

35 67


This hypothetical assumes a constant nominal 9% 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


$1,212/month from 45-67

35 6745

$1,000,000


25This hypothetical assumes a constant nominal 9% 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


$3,880/month from 55-67

45 6755

$1,000,000



31


45 55 6760

$8,589/month from 60-67

$1,000,000



32


45 55

Too Lateat 67

60 67

$1,000,000

3525

Money Management Mistakes:

Not UnderstandingHow Money Works

33

34

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. This limit expires December 31, 2013. Cash value life insurance offers life insurance components in addition to the investment component.

35

$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%.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.

$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

06

12182430364248

Numberof Years 3% 6% 12%3

%12%

6%

36

How Does Primerica Help Families?

Household Income $60,000

Mom $30,00

0

Dad $30,00

0

37

BILLS MORTGAGE

DEBTINSURANCE

TAXES



Mom $30,00

0

Dad $30,00

0

Where does it all go?

SAVINGGIVING


Overpaying Taxes

38

39

BILLS MORTGAGE

DEBTINSURANCE

TAXES


SAVINGGIVING



Mom $30,00

0

Dad $30,00

0

TAXES

Taxes

Average 2011 tax refund = $2,913$2,913/12 months = $242/month

— CNNMoney.com, January 10, 2012

40

$242 Monthly Overpayment for 35 Years (Age 35-70)If you make:

0% interest $101,640




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.

41

Taxes

Your choice:or

IRS?IRA


Debt42

43

BILLS MORTGAGE

DEBTINSURANCE

TAXES


SAVINGGIVING



Mom $30,00

0

Dad $30,00

0

Debt Mortgage

44

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.Primerica DebtWatchers™ product is 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.

45

$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

46

The Debt Stacking Concept*

*This hypothetical assumes a constant nominal 9% rate of return compounded monthly, unlike actual investments which will fluctuate in value, and does not include taxes or fees which would reduce returns. Investing begins once debts have been paid off (at age 44).

Payoff 23 years

Without Debt Stacking

Interest Saved $0

With Debt Stacking

9 years14 Years Sooner

$130,643

Interest Paid $214,442

Monthly Payments $2,720

$83,799

$2,720

Once debts are paid off, invest $2,720 each month until age 67 – the total, given a 9% return is $2.4 million.*


Buying the Wrong Type of Life Insurance

47

48

BILLS MORTGAGEDEBTINSURANCE TAXES


SAVINGGIVING



Mom $30,00

0

Dad $30,00

0

Insurance

Today1. Young children2. High debt3. House mortgage

Loss of income would be devastating

At Retirement1. Grown children2. Lower debt3. Mortgage paid

Retirement income needed

How Life Works

The Theory of Decreasing Responsibility

49



Mom $30,00

0

Dad $30,00

0

BILLS MORTGAGEDEBTINSURANCE TAXES


SAVINGGIVING50

51



Mom $30,00

0

Dad $30,00

0

Dad $30,00

0


BILLS MORTGAGE

DEBT INSURANCE

TAXES


SAVINGGIVING

52

Dad $30,00

0

Life Ins$300,0

00




Mom $30,00

0

BILLS MORTGAGEDEBT INSURANCE TAXES


SAVINGGIVING

Death Benefit Before Primerica

John $150,000Mary $150,000Children $0Total coverage $300,000Monthly Premium $298

More than TWO 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 $300,000Mary $300,000Children $25,000Total coverage $625,000Monthly Premium $123Difference = $175/month!

$175 monthly savings invested at 9% for 35 years = $518,673 at age 701. 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, 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 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.

53


Insured Cause of Death

Death BenefitBefore

Primerica

Death Benefit After

PrimericaSurvived 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 34 Cancer $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 50 Pneumonia $80,000 $400,000 Husband & son

We help Main Street families get the PROTECTION they need at a price they can AFFORD.

54


Overpaying For Other Types of

Insurance55

56

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 $461 per year for the average

family* (that’s $38/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.

*Savings amount is based on a survey of people who purchased insurance from Answer Financial and responded to the survey with their estimated savings statements during October 2010 to December 2010. Average reported savings were $461 per year.

30 years

$10,000

$20,000

$30,000

$40,000

$50,000

$60,000

$70,000

57

Invest the $38 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.

9%6%3%

Rate of Return

$69,568

$38,172

$22,144

58

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

59

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:

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)

60

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.

61

62

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

63

What You Would Make

Product District

Regional RVP

Primerica DebtWatchers™Life InsuranceAuto & HomeInvestmentsTotalHow many people do you want to help?

$48$696$55

$693$1,492

$54$975$60

$842$1,931

$69$1,532

$85$1,228$2,914

Primerica DebtWatchers™ - One personal sale earned/annualized at $4 per month for District Leaders, at $5.75 per month for RVPs and at $1.75 per month for RVP overrides. 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. Investment — Lump sum of $50,000 and $175 monthly saving from the life insurance example into an Equity Mutual Fund for 12 months. Auto & Home — one completed sale.

In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person.

You personally help one family = $1,931

x 2 = $878

64

Override Income

Your two Districts each help one family = $439

How many reps do you want to override?

Build a team = Override

Total = $2,809

In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person.See Additional Notes on end page.

You’re a Regional Leader and you have two District Leaders on your team.

65

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

• Personal production from other products*$389

Total monthly cash flow

$1,485

District Leader

Distribution Builders Potential (in your first four months) $500 (cumulative)

*See POL or talk to your upline for more details on the Distribution Builders Bonus.In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person.**Personal production of three auto referrals, one PLPP and three Primerica DebtWatchers™ subscriptions.

66

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

• Personal production from other products*$497


$2,062

Division Leader

In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person.*Personal production of three auto referrals, two PLPP and three Primerica DebtWatchers™ subscriptions.See Additional Notes on end page.

67

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

• Personal production from securities, auto& homeowner’s insurance referrals, etc.* $904


$3,409

Regional Leader

In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person.*Personal production of two auto referrals, two PLPP, two Primerica DebtWatchers™ subscriptions, and securities trades of $26,000 with an average commission of 1.83%.See Additional Notes on end page.

68

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

$1,722• Your overrides on your team

$2,505• Total in bonuses1

$700• Other income from securities, auto

& homeowner’s insurance referrals, etc. $3,641


$8,568Total annual cash flow*

$102,816

RVP

In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person. See Additional Notes on end page.*Annual cash flow assumes the same level of activity over a 12-month period.

69

Regional Vice Presidentwith One Direct RVP

You are an RVP doing $5,000 in personal life premium per month.

You override downlines that produce $10,000 in base shop premium

and $10,000 at first generation.• Your personal life insurance business



$1,750• Other Income from securities, auto




$201,624

RVP


70

Senior Vice Presidentwith a $20,000 Base Shop and Three Direct RVPs

You are an SVP doing $5,000 in personal life premium per month.


and $30,000 at first generation.• Your personal life insurance business



$4,970• Other income from securities, auto




$301,572

SVP


71

National Sales Directorwith a $15,000 Base Shop and 14 Downline RVPs

You are an NSD doing $2,500 in personal life premium per month.


and $90,000 at first generation and $105,000 at second generation.

• Your personal life insurance business$1,722

• Your overrides on your team$19,254

• Total in bonuses4

$22,155• Other income from securities, auto




$755,580


72

Senior National Sales Directorwith No Base Shop and 24 Downline RVPs

You are an SNSD overriding downlines that produce $150,000 at first generation and $150,000 at second generation.•Your personal life insurance business $0•Your overrides on your team $23,481•Total in bonuses5 $36,960•Other income from securities, auto& homeowner’s insurance referrals, etc. $22,926Total monthly cash flow $83,367Total annual cash flow* $1,000,404


73

Primerica Success StoriesIvan & Sharon

Earle• Former Occupation:

Plant Worker• Joined Primerica:

Age 23• Achieved RVP in

just over 2 years• Achieved million-dollar

earner status in 2009*

*12-month cash flow ending June 2012In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person.

Jimmy Meyer• Former Occupation:

Pressman• Joined Primerica:

Age 18• Achieved RVP within

six months• Current Income:

$1,262,328*

George & UrsulaChavez•Former Occupation:

Realtor•Joined Primerica:2007•Current Income:$258,811*

Collis & BritneyTemple•Former Occupation: Student/Athlete•Joined Primerica:2003•Achieved RVP in one year at age 24•Current Income:$339,279*

74

Primerica Success StoriesBrett & AndreaBurks•Former Occupation:Student•Joined Primerica:2003•Achieved RVP in less than 2 years at age 23•Current Income:$453,048*

*12-month cash flow ending June 2012In 2011, Primerica paid a total of $504,514,944 to its life-licensed representatives, for an average of $5,544 per person.

Yvette & EddieHenderson•Former Occupation:Mechanical Engineer•Joined Primerica:2004 •Went RVP in less than 1½ years•Current Income:$156,960*

Jeff & KelceyFieldstad•Former Occupation:Advertising•Joined Primerica:2004•25 years old•Current Income:$200,189*

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)*

75

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

76

The Primerica Business Opportunity

• Low upfront costs• No inventory• Financially solid• Products people need• We do what’s right – not what’s being hyped

..

$99Plus

$25/month

77

Why People Don’t Join:

6. No ambition or desire to do or have more with your life.

4. Pride5. Fear

1. Time2. Money3. Confidence/BeliefEgo

78

What’s Next?

Submit your Independent Business Application (IBA + $99 initial licensing fee, $25/mo. Business Building Support System).

The Question All WINNERS Ask!

79

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:

80

YOU Are In Control

Keep YourJob

And Build Your

Business

Keep YourJob

Until You Build Your

Business

81

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?

82

83US/44767/8.12/v15/10PFS142-20

www.primerica.comImportant Notes1. Assumes 10% Base Shop Bonus. 2. Assumes 10% Base Shop Bonus and 10% RVP Leadership Bonus. 3. Assumes 10% Base Shop Bonus, 10% RVP Leadership Bonus and 7% SVP Leadership Bonus. 4. Assumes 10% Base Shop Bonus, 10% RVP Leadership Bonus, 7% SVP Leadership Bonus and 4% NSD Leadership Bonus. 5. Assumes 10% Base Shop Bonus, 10% RVP Leadership Bonus, 7% SVP Leadership Bonus, 4% NSD Leadership Bonus and 2% SNSD Leadership Bonus.Slide 21 Notes1. Not all products/services available in all states or provinces. A representative’s ability to market products from the companies listed is subject to state and federal licensing and/or certification requirements. 2. Primerica DebtwatchersTM is a trademark of Primerica Inc. Equifax® is a registered trademark of Equifax Inc. Not available to residents of Washington, D.C. 3. In the United States, securities are offered by PFS Investments Inc., 2120 Breckinridge Blvd., Duluth, Georgia 30099-0001; 770-381-1000. 4. PFS Investments Inc. (PFSI) is an SEC Registered Investment Advisor doing business as Primerica Advisors. PFSI is a member of FINRA and SIPC. Lockwood Advisors, Inc. (Lockwood) is an SEC Registered Investment Advisor and an affiliate of Pershing LLC, each subsidiaries of The Bank of New York Mellon Corporation (BNY Mellon). Pershing LLC, member FINRA, NYSE, SIPC. SEC registration neither implies nor asserts the SEC or any state securities authority has approved or endorsed PFSI or Lockwood or the contents of this disclosure. In addition, SEC registration does not carry any official imprimatur or indication PFSI or Lockwood have attained a particular level of skill or ability. Neither Lockwood or BNY Mellon is affiliated with Primerica. 5. In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer. Segregated funds are offered by Primerica Life Insurance Company of Canada.Additional NotesNo commissions are earned except upon product sales. 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%. Base shop overrides for the District Leader assumes one Sr. Rep and one Rep generating $1,250 in premium each, three auto referrals ($165), one Primerica Legal Protection Program ($80) and three Primerica DebtWatchersTM subscriptions ($144); for the Division Leader, assumes on District Leader generating $2,500 in premium and one Sr. Rep and one Rep generationg $1,250 in premium each, three auto referrals ($173), two Primerica Legal Protection Programs ($180) and three Primerica DebtWatchersTM subscriptions ($144); for the Regional Leader, assumes one District Leader and two Senior Representatives generating $2,500 in premium each. Regional Leader non-life cash flow example assumes personal production of two Primerica Secure referrals, two Primerica Legal Protection enrollments, two Primerica DebtWatchersTM subscriptions, and securities trades of $26,000 with an average commission of 1.83%. For the RVP category, assumes one District Leader and two Division Leaders generating $2,500 in premium each; for the RVP with one RVP category, assumes two District Leaders and two Division Leaders generating $2,500 in premium each; for the SVP category, assumes three Districts and one Division Leader generating $2,500 in premium each and one Regional Leader generating $5,000 in premium; for the NSD category, assumes two Districts and three Division Leaders generation $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. All Primerica DebtWatchers™ commission assumptions are annualized at $4 per month for District Leaders, at $5.75 per month for RVPs and at $1.75 per month for RVP overrides.Important Earnings Disclosure: In the 12-month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to its 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. 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. Please see www.primerica.com for Important Disclosures. In Canada, representatives do not offer mortgage broker services, but may refer clients to AGF Trust Company for debt consolidation loans. Primerica DebtWatchersTM: Primerica, representatives of Primerica, Equifax and Primerica DebtWatchersTM will not act as an intermediary between Primerica DebtWatchersTM 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 DebtWatchersTM product. FICO® is a registered trademark of Fair Isaac Corporation. References to Equifax represent Equifax Consumer Services LLC, a wholly owned subsidiary of Equifax, Inc. See http://my.primerica.com or www.primericacanada.ca for additional 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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