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Client Survey3 Reasons Why We Are Here Tonight:

1. Referral Base 2. Earn your business as clients 3. Expanding & Need Help

Doyou have someone right now who handles your current financial needs other than yourselves? Yes No(If yes, are they open to make a change if we are able to improve and enhance their current situation?)

First Names Last Name

________________________________________________________________________________________________________________________________

Client Spouse

Current careers?

What do you like about your current career?

What Would You Change About it?

If you could choose your annual income, what would it be? $__________________/ yr.

What are some things that you and your family would do differently if time and money were no issue?

For example: Whats important to you? What do you dream about? Whats Important to you?

GOALS: ___________________________________________________________________________________________

___________________________________________________________________________________________________(Homes, Cars, Travel, Charities, Hobbies, Toys, Education, ect.)

When will your current career allow you to accomplish those things?__________________

If we can show you a way to help you reach your goals that would give you more money, security and freedom than your

current career, would you be open to exploring that option? Y N

What age are you on track for to be able to retire?_______ What is your ideal retirement age?_______

If we can put together a plan to hit that goal, would you follow it? Y N

_____________________________________________________________________________________________________________

Why I decided to get involved with Primerica.

(2 minutes or less)

_____________________________________________________________________________________________________________

As I go through my presentation I want you to ask yourself 3 questions:

1. Is Primerica a credible company?2. Is what Primerica does for families life changing?3. Who do you know that would benefit from meeting with us? -Maybe this will help:

Will you play a little game with me?

Who can you think of right now (first names only) that is Married- Has kids- and a Homeowner?

Also, who comes to your mind first when I say:

Best Salesperson thats not pushy- Best Teacher- Most Enthusiastic- Most Ambitious- Most Motivated(Look down at the referral sheet and start writing names as they say them, ask for as many as they can think of

then start your presentation)

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1. INCOME AND RETIREMENT

How much monthly income would you like to receive at retirement (todays dollars)? $________________ per month

_________________________________________________________________________________________________________

INCOME SOURCES Client Spouse

Monthly Gross (Pretax) Income $_____________ $______________

Other Monthly Income $_____________ $______________

Monthly Income Taxes $_____________ $______________

Do you normally receive a tax refund? Y N If yes, how much do you anticipate this year? $__________________(If yes, explain interest free loan to government, for every $600 they get back, adjust W-4 by 1 dependant)

____________________________________________________________________________________________mo. Amt from tax re

RETIREMENT PLANS

Client Spouse

Are you currently involved in any type of retirement plan 401k/ IRAs etc? Y N Y N

Current total balances $_____________ $______________

How much do you contribute monthly? $_____ ______% $_______ ______

Does your employer match your retirement contributions? Y N Y N

How much? $______ _____% $______ _______

_________________________________________________________________________________contributions with match

FORMER RETIREMENT PLANSClient Spouse

Do you have assets from a previous employer? Y N Y N

Have you rolled this over to a personal account yet? Y N Y N

What are the balances in these accounts? $_____________ $______________

__________________________________________________________________________________________________________

2. OTHER ASSETS

Do you own any assets other than your home? Y N If YES: What is the value? $_____________________

_________________________________________________________________________________________________________

3. NON-RETIREMENT ASSETS Total Balance Mo. Contributi

Bank Saving /Checking/Em. Fund $________________ $ $

CDs, Bonds $________________Stocks, Mutual Funds $________________

(If they have current investments ask)

If we put together a savings solution that improves your current program, will you move your money with us? Y N

__________________________________________________________________________________________________________

4. EDUCATION DATA

Do you want to pay for your childrens education? Y N If yes how much of it? ___________%

__________________________________________________________________________________________________________

5. INSURANCE/ PROTECTION DATA

Do you have a current will? Y N If it was affordable, would you like to have one? Y N

(If NO, Print PLPP application with FNA and offer to enroll client on delivery of FNA)

What do you pay monthly for..?Auto Ins. $________ Health Ins. $___________ Dental Ins. $___________ Cable/ Sat TV $_________

____________________________________________________________________________________________________________

LIFE INSURANCE COVERAGE Client Spouse ChildrenDo you have any Group Life Insurance coverage at work? Y N Y N Y N

How Much? $____________ $____________ $__________

How much of the premium do you pay per month $____________ $____________ $__________What happens to your employer paid group coverage if or when you leave your employer? ___________ (generally, you lose it)

(Recommend to them not to rely on group insurance for their FNA, in case they change jobs, get a better offer elsewhere, or company changes benefits. )Do either of you use Tobacco in any form? Client: Y N Spouse: Y N

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Do you own personal life insurance other than through work? Y NIF NO: When a responsible family like yours doesnt have life insurance outside of work, its usually because of one of the following reasoA: Didnt see the need for it. B: They didnt think they could afford it. C: They never got around to it.IF YES: (Be sure to examine current policies) Client Spouse Children

What type? ____________ ____________ __________

Company Name? ____________ ____________ ___________

What are your current monthly premiums? ____________ ____________ ___________

What is the face amount? ____________ ____________ ________life in

How much cash value is in your policy? $____________ $____________ $__________

When did you buy it? ____________ ____________ ___________

What is your relationship with the agent who sold you this insurance? ____________________________

(If friend or relative ask: if we can put together a better program, would you be open to changing? Y N )

________________________________________________________________________________________________________

6. DEBT MANAGEMENT DATA HOME MORTGAGE (1ST)

Mortgage Company: _____________ Purchase Price: $____________ Current Balance: $ ___________ Interest Rate _______When did you buy your home? _______ Lastrefinanced? _______ The Term _______ Fixed/Variable_______ Home Value Now?_________Get Truth and Lending Statement from Clients existing documents.

PAYMENT DETAILS:

Principal & Interest Payment $_________________ Additional Principal Payment: $________

Monthly Property Taxes $_________________

Monthly Home Owners Insurance $_________________ Homeowners Insurance Comp: _________

Private Mortgage Insurance (PMI/MIP) $_________________ (if applicable)

Total Monthly Payment $_________________

Is your current loan a 3/5/7 yr arm, Interest Only, etc?________________________

_______________________________________________________________________________Overpayment on debts

CONSUMER DEBTName Balance Min. Pmt. Actual Pmt. Fixed Rev. Int. Rate

2nd Mortgage __ $______________ $____________ $ ___________ ________%

Car #1____________________ $______________ $____________ $____________ ________%

Car #2____________________ $______________ $____________ $____________ ________%

Credit Card________________ $ ______________ $____________ $____________ ________

Credit Card________________ $______________ $____________ $____________ ________

Credit Card________________ $______________ $____________ $____________ ________Other_____________________ $______________ $____________ $____________ ________

Other_____________________ $______________ $____________ $____________ ________

Other_____________________ $______________ $____________ $____________ ________

__________________________________________________________________________________________________________

7. THE PAY YOURSELF FIRST FORMULA: Everyones life is different, but this should be used as a benchmark to shoot for.

If you want To Be

Middle Class: Pay yourself first 10 percent or more of your gross income.

Rich: Pay yourself first 15 percent or more of your gross income.

Rich Enough to Retire Early: Pay yourself first at least 20 percent of your gross income.

Which one do you want To Be? (Check one)

Thats approximately $____________ per month.Is this an amount you feel completely comfortable committing to every month above what youre currently doing? Y N

If no ask: How much of the $(mo. Amount) could you commit to putting away each and every month starting today? $_________________________________________________________________________________________________________8. If you died prematurely, would you want your families standard of living to be: Comm

Better Worse -or at least- Stay the Same

9. If you were to die prematurely do you want your

Mortgage/ Consumer Debt/ Childrens Education taken care of (paid off)? Y N

If your debt were paid off how much monthly income would your survivors need?(help the clients understand that w/ out any monthly dpayments , they will most likely need much less per month to live on in comparison to what they need now with their monthly debt payments)

If (client/spouse) died, your (wife/husband) and/or children would need $_____________ per mo. $______________ per m

Years Required: for ___________ yrs. for______________ yrs.

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2. Today1. Young children2. High debt3. House mortgageLoss of Income

would be devastating

8. At Retirement

1. Grown children2. Lower debt3. Mortgage paid

9. Retirement income needed

You're Now Self-Insured!!!

Client: ________________Spouse:________________

Child: _________________

If we put together an affordable Life Insurance program that adequately protects your family and improves upon your current

program, will you implement that program today? Y N(Have client fill out Personal Data page andcall on AUTO & HOM E while you calculate the coverage and premium amounts.)

____________________________________________________________________________________________________________

CALCULATE COVERAGE AND PREMIUM BASED ON CLIENTS INFORMATION:

3.

(Compare the clients current life insurance w/ the new solution w/ us if applicable).10. For the Life Insurance, how does that look for both the coverage and the monthly premium amount? Is it:

A. Too High B. Too Low C. PerfectIF A or B:-What amount would you feel more comfortable committing to? $__________________

(Make necessary adjustments to get the premium to where they want it).

ADJUSTED SOLUTION (if necessary):

Client ___________________ Spouse ___________________ Children ___________________ Monthly Amount $_________

1. Is this new solution something you can commit to for the next 20 to 30 years or until we can help you become F.I.? Y N2. Have you ever had an issue qualifying for life insurance coverage in the past? Y N

3. Now that weve met, what is your understanding of what life ins is for? (Be sure they understand importance of getting and keeping ins.)

4. Doyou have any questions? Y N (If yes answer questions, if no say, great what well do is see if we can get you qualified for the coverage.)(Explain life application process and begin life application/ Turbo App.)

___________________________________________________________________________________________________________

11. Complete SMART Loan Kit/ Debt Watchers

A. are you 100% sure that you have the credit score you deserve? Y N Lets find out(Proceed by Showing debt watchers brochure and starting turbo app for debt watchers)

For SMART Loan Kit remember to inform them they will be getting a letter from the solution center.(If objections remember only will implement if we lower time, lower interest dollars and/or the monthly amount)

___________________________________________________________________________________________________________

12. If you like what you see when we return w/ your FNA, We will be asking for 10-15 quality referrals is that OK? Y N(Remind them to get names & numbers filled out from S.T.E.A.M, & you will pick them up at the carry back)___________________________________________________________________________________________________________

13. BUSINESS OVERVIEW/ INVESTMENT SEMINAR INVITATIONIs there anything you cant get out of _____@ 7pm? Since theres nothing you cant get out of I need you to be at my office at 7p

Heres the deal, Im going to have a seat saved for you and your name on a list. So you promise me youll be there? Great, youre

man/woman of your word right? Great Ill see you ______@7pm, heres the address___________________________________________________________________________________________________________14. SCHEDULE RETURN APPOINTMENT WITHIN 3-5 DAYS: Date:____/_____ Time: ___:_____ am/ pmIF NO IMPLEMENTATION ON FIRST VISIT:Also, so we can be sure we dont waste each others time, if when I come back and I offer you a program that improves upon you

current savings, debt situation, or insurance needs, will you implement and follow that program? Yes NoSo the first thing we will get started on if there is an improvement is the income protection, so well begin the application proceand gather a check in the amount of $(Premium amount) O.K.? INITIAL HERE: CLIENT_______ SPOUSE ________

(explain if necessary why the income protection process must be done before we can do anything else).

Mo. Prem.

Mo. Commitment+Cur. Mo Invest

+Cur. Life Prem

Invest the Dif.

7. Age 65:8%___________10%___________12%__________

6. Current Ret Savings: $_____________

4.

1.

5.

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Attachment A

The Financial Needs Analysis (FNA) is designed to assist you in identifying your financial needs and goals so that you can make better informeddecisions I managing your money. It has been developed based on the information you provide in this questionnaire and on certain generallyaccepted assumptions and reasonable estimates. The FNA is provided to you as a complimentary, no obligation service by Primerica FinancialServices.

The calculations and assumptions are based on your current financial situation and todays economic environment, which are subject to change. Werecommend that you review your financial needs and goals periodically to determine if you are making progress, especially when there is a change

in jobs, a change in marital status, or an addition to the family. As time passes and you financial situation changes, you should submit and newquestionnaire to see how the FNAs suggestions change.

Representatives may represent the following affiliated companies: (a) as insurance agents in these respective jurisdictions: National Benefit LifeInsurance Company, Home Office, New York, NY, in New York; and Primerica Life Insurance Company, Home Office, Boston, MA in all otherU.S. jurisdictions; (b) in connection with mortgage loan applications, Primerica Financial Services Home Mortgages, Inc. (c) and, if securitieslicensed, PFS Investments, Inc.

For Use in U.S.

*The personal information you provide the Primerica Companies in preparation of your FNA may also be shared with other Primericarepresentatives in your representatives organization. This may be done in order to offer you products that may be appropriate for you. Otherwise,your information will not be shared except as permitted by law.

Attachment B

To ensure that we provide the best possible service to our clients, we ask you, by signing below, to verify and approve the information provided in

the questionnaire. We also want you to understand how this information will be used.

I/we are providing this information to you, as my/our representative, and to Primerica Financial Services and its affiliates, to prepare aFinancial Needs Analysis (FNA) in order to assist me/us in identifying financial needs and solutions. I/we understand that the results ofthis FNA are largely dependent on the information I/we have provided.

I/we understand that this FNA is not an application for any financial product. By separate application, I/we may apply for one or more ofthe products mentioned in the FNA presentation, and be considered under the applicable qualification criteria/ I/we understand you mayalso share this information with other Primerica representatives to offer me/us products that may be appropriate for me/us.

I/we understand that to avoid a need to provide this information on any subsequent applications, including any application to representPrimerica, information provided for this FNA can be imported into any Primerica application I/we complete in the future, regardless ofthe representative assisting me/us with the application. I/we will be sure that the information imported or otherwise included on anapplication is current and correct at the time the application is submitted.

I/we, by signing below, confirm I/we have reviewed the information and approve it as use of the information by Primerica and itsrepresentatives as described above.

Approved by:________________________________ Date:________________

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ARE YOU PAYING TOO MUCH?

AUTO & HOME INSURANCE

Steps to receiving a quote from Primerica Secure andInsurance Answer Center.1, 2

1. Its easy to get started. Simply call toll-free (877) 855-8111during call center hours of operation, or log on to

www.PrimericaSecure.com.Call Center Hours of Operation:Monday-Friday: 8 a.m. to Midnight, ETSaturday: 9 a.m. to 8 p.m., ET

2. What you ll need to access Primerica Secure. Beforeyou call or log on, be sure to have the followinginformation handy:

Representatives Solution Number: ________________

Representatives Last Name: _____________________

Additional information to have: Auto Insurance Quotes

All drivers Social Security numbers All Vehicle Identification Numbers (VINs) Drivers Licenses for each insured driver Declarations page of your existing policyHomeowners Insurance Quotes

The year your home was built Square footage of your home Type of security devices in your home Declarations page of your existing policy

Get competitive rate quotes in 10 minutes or l ess. Top-rated insurance providers help you get the best

coverage for your money.

You could save hundreds of dollars.

Insurance Companies Rating Estimated6-Month Premium

3

Safeco Insurance Co.

A $359Infinity

A $434

The Hartford

A+ $466Travelers Indemnity Company A+ $521Unitrin Direct

A $521

Esurance

A $708

Just call toll-fr ee (877) 855-8111 or log on towww.PrimericaSecure.com to get started!

CALL OR LOG ON TODAY AND GET BACK TO YOURLIFE!

MAKE YOUR WISHES KNOWN

LEGAL PROTECTION

Its important to have a will.If you dont have a will and you die:

A judge could be the one to decide who will raise yourchildren.

The courts will distribute your money and your belongings. A larger percentage of your money will go to paying for

taxes.

Did you know that 57% of adult Americans, as well as threeout of four parents, dont have a will?4,5

Do you ever plan to Write or revise your will? Purchase a new home? Purchase a new or used car?

Legal risk is everywhere ...According to a study done for

the American Bar Association, nearly 70% of U.S. householdshad an issue during a typical year that might have led them tohire a lawyer. 6

And hir ing a lawyer can be expensive ... A recentsurvey found that U.S. attorneys charge an average of $240per hour.7

What are the chances of your needing legalprotection in the near future? Ask yourself thefollowing questions.

Have you ever

Purchased a defective product? Paid a bill you thought was unfair? Signed a legally binding document? Worried about an IRS audit? Received an unjustified traffic ticket? Been a defendant in a civil lawsuit?

If youre like most people, chances are you answered yes toone or more of these questions. Make each dollar count andprotect your rights. Enroll in thePrimerica Legal ProtectionProgram today for peace of mind, security and legalempowerment.

One of the most important benefits of membership in thePrimerica Legal Protection program is the opportunity to drawup your will. Membership in the Primerica Legal ProtectionProgram (PLPP) gives you access to professional legalexperts at top quality firms for as little as $25 per month.8

Primerica (Primerica Financial Services Inc. and Primerica Financial Services Insurance Marketing Inc., CA License Number 0612256), its representatives and the Secure Program TM represent any of the insurers in rimerica, its affiliates and representatives offer other products and services. You are not required to apply for or purchase any other product or service in order to be considered for the Secure Program. Each product maypplied for and purchased separately. 2 Answer Financial Inc., (the insurance agent) is not an insurance company. It is authorized to offer insurance products and services through its licensed affiliates Insurance Answer Cc. (California License No. 0B99714), Answer Center Insurance Agency Inc., and other affiliates. Insurance Answer Center, Inc. represents insurance companies and is paid commissions and may receive other performanompensation for the services provided to you. Rates are subject to change . All products may not be available in all states. . 3 Estimated 6-month premiums were calculated in October 2006, based on the following profmale, 24 years old living in California, driving a 2002 Dodge with no violations. Rates subject to change upon further underwriting. All products may not be available in all states.

CNNMoney.com, viewed on November 27, 2007 5 Kiplingers, July 2007 6_Public Perception of Lawyers: Consumer Research Findings_ study, conducted in April 2002 for the American Bar Association by Leo J. ShaAssociates 7 National Underwriter, October 24, 20058 Rates are different in NJ, NY and WA.

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rimerica, representatives of Primerica, Equifax and DebtWatchersTMwill not act as an intermediary between DebtWatcherscustomers and their creditors and do not imply, promiseor guarantee that credit files or credit swill or may be improved, repaired, boosted, enhanced, corrected or increased by use of DebtWatchers product. Seehttp://my.primerica.comfor additional Important Disclosures.

You Can
http://my.primerica.com/http://my.primerica.com/http://my.primerica.com/http://my.primerica.com/

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To be completed by the client. Please write legibly.

Print clients dataFirst Name MI Last Name Birth Date Social Security # Sex

________________________________________________________________________________________________________________________________________

Drivers License # Issue Date Expiration Date Birthplace State Country

________________________________________________________________________________________________________________________________________

Print spouses data

First Name MI Last Name Birth Date Social Security # Sex

________________________________________________________________________________________________________________________________________

Drivers License # Issue Date Expiration Date Birthplace State Country

________________________________________________________________________________________________________________________________________

Beneficiary InfoContingent Beneficiary Name Relationship Phone

__________________________________________________________________________________________________________( )_________________________

Print childrens data (if applicable)Last First MI Sex Relationship Birth Date Height Weight Social Security #

________________________________________________________________________________________________________________________________________

Last First MI Sex Relationship Birth Date Height Weight Social Security #

________________________________________________________________________________________________________________________________________


________________________________________________________________________________________________________________________________________


________________________________________________________________________________________________________________________________________


________________________________________________________________________________________________________________________________________

Mailing address and contact informationAddress City State Zip Years at address

________________________________________________________________________________________________________________________________________

Home Phone Work Phone Fax Cellular Pager Spouses Work

( ) ( ) ( ) ( ) ( ) ( )____________________E-Mail

________________________________________________________________________________________________________________________________________

Clients Employer

Name of Employer Position Held Date Hired

________________________________________________________________________________________________________________________________________

Address City State Zip

________________________________________________________________________________________________________________________________________

Spouses EmployerName of Employer Position Held Date Hired

_________________________________________________________________________________________________________________________________________

Address City State Zip

_________________________________________________________________________________________________________________________________________

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The greatest compliment you can give is your referrals.We will mention that we are helping you with your finances.Take 4 minutes and write down as many names possible in these 4 areas:

1.Everyone related to you

2.Friends and Acquaintances

3.Anyone youve worked with

4.People you know from your church

Husband Wife Last Name Home Phone Work Phone E-Mail_______________________________________________________________(____)_____________________(___)____________________________________________

Address City State Zip Relationship

__________________________________________________________________________________________________________________________________________

Comments

Age 25-55 Married Children Homeowner Employed F-T Income $25K +

Husband Wife Last Name Home Phone Work Phone E-Mail

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your referrals.We will mention that we are helping you with your finances.Take 4 minutes and write down as many names possible in these 4 areas:

1. Everyone related to you

2. Friends and Acquaintances

3. Anyone youve worked with

4. People you know from your church


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