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!

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

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?

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%

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

Mort

gag

e

Cred

it Ca

rds

Mutual Funds

Savin

gs A

ccou

nts

401(

k)

Life Insurance

YOU

The Solution:A Financial Needs Analysis.A customized, confidential and complimentary program that helps you achieve your goals and dreams.

A Financial GPSIt helps you find answers to important questions.

*See endnotes for important disclosures.

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 30years, 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?

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?

The Rule of 72…Sometimes called the Bankers Rule

Divide your interest rate into 72 to find theapproximate 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

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?

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 Investthe 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

Johnage 35

$298

Monthly

Premium

$123

Monthly Premium

Investment

at 70

$51

8,6

73

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

???

Savi

ngs

$175

@9%

Today1. Young children2. High debt3. 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 Retirement1. Grown children2. Lower debt3. Mortgage paid

Retirement income needed

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.

Referrals/Earn Your Business/Expansion

Not to be used in New York. © 2012 Primerica/44779/8.12/US/11PFS648-5