Big Money, Big Dreams

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Big Money, Big Dreams

It All Adds Up Environment Is Everything

The Best of Both Worlds

Success #IRL

From the Editor

One of my favorite inspirational quotes is, “Live deliberately.” That’s it. Two simple words. I don’t know who strung them together, but it doesn’t lessen the punch of it for me.

What do those two words mean to you? Family? Freedom? The money and means to do what you want? Flexibility? Travel? Giving back to your community? Living in the moment? Working toward your goals and dreams?

The beauty of those two words is that they can mean whatever you want (or need) them to mean.

Are you all work and no play? Live a little more. Be present. Create balance.

Are you coasting through life without direction? Take deliberate action toward your dreams. Figure out what you want and go for it. Don’t hesitate!

Only you can define what it means for you. Your whole life is laid bare before you. How will you write your story? Will it be filled with adventure? Purpose? Happiness? Fulfillment?

What would it mean to the world … our community … our loved ones … ourselves … if we each chose to LIVE DELIBERATELY?

I think it would be amazing. Unbelievable. Uplifting in a world that doesn’t seem so sun-shiny and ripe with potential as it once did. If we each deliberately sought our happiness and truly lived a life that completed us … what would it mean?

Everything. It would mean simply everything.

* Important Earnings Disclosure: As of June 2014. From January 1 through December 31, 2013, Primerica paid a total of $536,506,140 in compensation to its sales force, at an average of $5,614 per life-licensed representative. 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 a representative and their downlines. Having said this, Primerica provides an opportunity for individuals who work hard to develop a business with unlimited income potential.

The Primerica representatives featured are full-time, independent contractors, and not employees. The success of these individuals is not intended to demonstrate typical success levels of all representatives. Rather, the potential for success is dependent upon actual organization size, the number of sales and the override spread on each sale, and the ability of the representative and his or her downlines.

Live. Deliberately.

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Contents6 Big Money,

Big Dreams

9 Digital Diet

14 It All Adds Up

21 Don’t Be That Guy

26 Environment Is Everything

10 Building a Legacy

17 Get Schooled

22 Follow Your Dreams

28 Get What You Give

12 Money Matters

18 The Road Less Traveled

24 Success #IRL

31 Oh, the Places You’ll Go!

4 The Best of Both Worlds

Live. Deliberately.

THE BEsT of BoTH Worlds

NikolE & lEo

GalaNEs

Have you ever wanted to be an entrepreneur but didn’t have a lot of money to start your business? Knew that you wanted something different than the corporate grind but were not sure how to make it happen? Then you know just how Nikole Galanes felt before she joined Primerica.

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“i joined Primerica when I was 19 and Leo was 24,” she says. “We didn’t know that much about what the company did at the time, but we loved

the energy and optimism. We wanted to be part of something exciting.

“Our parents were nervous for us at first,” Nikole continues, “but supportive. Our friends didn’t understand much, but now they know that the company can provide an amazing lifestyle and are impressed with all we’ve accomplished in a short amount of time.”

Nikole and Leo were drawn to the Primerica opportunity. They watched the freedom other leaders experienced and the kind of income that their teammates had compared to a “normal” career path of working for someone else. They knew that their time would be better spent building something for themselves than for someone else and would definitely recommend Primerica to others looking to go their own way.

“If you know that you want more than the traditional route will give you,” Nikole says, “this is an opportunity to live exactly as you want. Also, many of us know we want to be business owners but we aren’t prepared for

the risk of a start-up. Primerica gives the perfect hybrid — you can be an entrepreneur with freedom and a huge payoff, but you also have an efficient and proven system to follow.”

And the perks are pretty awesome, too. “We definitely love the ability to travel,” smiles Leo, “both with the company and on our own because of the freedom we have. Also, as we have grown up in the business, we love the ability to adjust for different stages in your life. We’re in control and we love that.”

Though Nikole admits to being pleasantly surprised by the amount of personal growth that happened along the way, and who she and Leo have become as a result of this business, she’s still looking ahead.

“Our ultimate business goal is to earn $1,000,000 per year* and have a team of successful leaders,” she enthuses. “On a personal level, I feel strongly about helping children and women in need, and know that with that kind income we can do a world of good. Doing what we love and being able to help others — whether it’s our clients or our community, is truly fulfilling.”

It’s the best of both worlds. n

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THE BEsT of BoTH Worlds

Nikole & Leo GalanesNational Sales DirectorPrimericaToronto, OntarioFormer Occupation: StudentFormer Income: $0Current Income: $269,495*

*See important earnings disclosure on page 2.

“When we joined Primerica, I was 21 and Kelcey was 18,” Jeff remembers. “We were so excited! We knew this was our shot to be able to make big money and achieve our dreams.”

Before Primerica, Jeff worked in advertising for his mother-in-law. He enjoyed it. Until he got his pay cut. That’s when he realized he needed to find an opportunity where he could control his income … and his future. Jeff gave his notice and Kelcey chose being an entrepreneur over finishing college. They’ve never regretted their decisions.

“We love Primerica,” Jeff says excitedly. “Our favorite things about the business are almost too many to count, but if we had to name the top few … first is the ability to make big money. Second is the ability to build a team. Third is knowing that we make a positive impact in peoples’ lives — from our family, to our team and to our

MoNEy, Do you dream of making the big bucks?

Not having to answer to anyone?

Being able to do what you want, when you want?

So did Jeff and Kelcey Fieldstad.

JEff & kElCEy

fiEldsTad

BiGBiGdrEaMs

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Jeff & Kelcey FieldstadNational Sales DirectorPrimericaLas Vegas, NVFormer Occupation: AdvertisingFormer Income: $0Current Income: Achieved $400,000 (January 2010)*


MoNEy,

clients. We love knowing that everyone in our lives receives a positive impact because of Primerica.”

Being amazing examples of success themselves, it’s easy for them to build their team with others who dream of having it all, too. “If someone wants an opportunity to make big money, achieve every goal or dream they have, enjoy the freedom to be able to work as much as they want or as little as they want, have complete control of their time, as well as really make an impact in our community,” says Kelcey, “then they should definitely join Primerica!”

Jeff and Kelcey are fueled by their success and their dreams. They’re working toward becoming Senior National Sales Directors (Primerica’s highest level of achievement) and million-dollar earners. They’re practicing what they preach and have a goal of saving at least $20,000,000. They also want to “retire” their parents and live six months out of the year in the Caribbean.

They’re already on their way to the big time.

“This business gets better every day,” smiles Jeff. “it’s absolutely amazing. We have been able to give our families a phenomenal quality of life, and help so many people. i think that’s the way it’s supposed to be on the journey to success.” n

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Primerica is always looking for new technology to give our reps an edge. Our revolutionary ideas and

advancements allow reps to build their businesses 24/7/365 — whenever and wherever. They’re not chained

to a desk while watching the clock and battling claustrophobia in a cube. They do business in real time —

and get paid almost as fast. At Primerica, if you’re hungry for success, it’s at your fingertips. Literally.

Primerica AppMobile app for

smartphones and

tablets helps reps

manage contacts and

appointments, provide

life insurance quotes on

the go and much more.

Web-based TurboAppsReps conduct business

in real time by creating

Quick Quotes and FNAs

or submitting IBAs and

rapid issue TermNow

Life apps electronically –

whether you’re at a café,

park or kitchen table.

Mobile Device Friendly MaterialsA selection of

e-brochures,

presentations and

videos can be

downloaded directly

to your iPad, iPhone or

Android.

e-DeliveryClients can access

their life policies

electronically,

eliminating paper

waste. They have

access to their policies

24/7, and they love it.

Deductr AppDesigned for today’s

entrepreneur, this

mobile app helps

Primerica reps track

their potential business

tax deductions while

on the go. (U.S. only)

Wouldn’t it be cool to be part of a company on the cutting edge?

A Feast for Your Social Senses Use your slammin’ social skills to help build your Primerica business! We’ve made it easier than ever for you to get started and stay connected. Here’s where you can currently find us online:

Digital Diet

The more Kameka learned about the company’s mission to help Main Street families and the earning potential, the more excited she became about building a business. “I joined the company to save my own family financially and build generational wealth,” she says proudly.

At first Kameka was surprised by the amount of money people were able to make, and the approachability and humility of Primerica’s leaders. “I’ve never seen a company where the CEOs and leaders interact so much. They make it known that they’re happy to help you do what it takes to grow your business and achieve success. How many leaders and executives at other companies do you know who are trying to help you get ahead like that?” she asks.

Kameka loved the fact that she could build her business, and, after meeting a few key milestones, own her business and therefore make it a legacy for her family for generations to come through the Primerica Ownership Program.†

“We love the freedom that you get from building your own business,” she enthuses. “The company incentive trips are amazing and the money is unbelievably great, but my favorite part of building a

Primerica business is personal growth. You become a person you’ve never been before. You develop leadership and mental skills that make you a success in all areas of your life.

“Primerica is for people who want more out of life,” says kameka. “it’s for people whose dreams are too important to lay dormant. it’s for those whose unquenchable desire is to unveil the best version of themselves. People who join Primerica are winners.”

Kameka is proof that hard work pays off. The former teacher has tripled her income and is changing her family’s destiny. “Our ultimate goal is to gain financial independence and help other leaders build a strong financial future and achieve financial independence, too.” n

† Primerica’s Ownership Program is subject to terms, conditions and applicable regulatory requirements.

kaMEka & MarCUs

JoHN

BUildiNG alEGaCy

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“I was 26 years old when I was first introduced to Primerica,” remembers Kameka John. “At first glance, the concept of Primerica and the amount of money that could be made seemed unreal. It was as though the secret to financial independence had been revealed. We were excited to not only learn about money — but about how to acquire it.”

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BUildiNG aKameka & Marcus JohnSenior Vice President PrimericaLaurelton, NYFormer Occupation: TeacherFormer Income: $65,000Current Income: $197,468*


lEGaCy

More money, more problems? Nah. More like more money, more AWESOME!

Money MattersThere is definitely nothing wrong with wanting to

get paid what you’re worth and get paid well (because you’re worth a lot!). If time is money and you spend all of your time at work, shouldn’t you enjoy what you do and get more bang for your buck?

With Primerica, you can start part-time to earn some extra money each month or go full-time and start building your empire right away.1

Whatever you choose, you get to be in control.

You’ll have:

• Unlimited income potential — make as much as you want!

• Zero restrictions on how big your business gets or where you live.2

• Freedom of time so you can have a life-work balance.

• The chance to work as a team in a friendly, competitive environment … and more!

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What could a “little extra” mean for you?Say you worked part-time and made an extra $1,500 a month.

Then you saved $500 of that money each month for 25 years at a 9% rate of return. You’d have $560,000 saved! Not too shabby.

You could use the other $1,000 per month to pay down debt, use toward your living expenses or splurge a little. Or you could put it to work for you and build an even bigger nest egg. It’s called the power of compound interest!

The Power of Compound InterestHere’s a simple illustration showing the difference between saving $20 a

month versus $100 a month3. While saving $80 more a month may seem like a long-shot, the increased dollar amount definitely pays off big time. Take a look:

Monthly Contribution

Years $20 $100

10 $3,900 19,500

20 $13,460 $67,300

30 $36,890 $184,450

40 $94,330 $471,650

You would have almost FIVE TIMES more saved after 40 years. #mindblown

Don’t Waste Your Savings PotentialNot living up to your potential is not good. Not having your hard-earned

dollars live up to its potential? Not smart. While many are still scarred from what happened to their parents’ retirement savings and home value during the Great Recession, stashing your money in a savings account isn’t going help you have the retirement of your dreams. Check it out:

You invest $10,000 at a 1% rate of return with your local bank…4

You earn interest for the year: $100

But you pay $25 in taxes on that interest at 25%: -$25

So your net earnings are: $75

Your resulting balance would be: $10,075

… but if inflation is 3%, your buying power would be reduced to: $9,782

What?! That’s less than you started with! You would have actually lost purchasing power. #sonotcool

1 Part-time opportunity not available in all parts of Canada. And where available, is subject to certain restrictions. 2 Subject to licensing restrictions. 3 This is a hypothetical illustration and does not represent an actual investment. Actual investments will fluctuate in value. It does not include fees and taxes which would lower results. The hypothetical 9% rate of return illustrated is a constant nominal rate, compounded monthly. Investing entails risk, including loss of principal. Shares, when redeemed, may be with more or less than their original value. 4 This 25% tax rate is hypothetical. A different tax rate will change the results. In the U.S., savings and CD accounts are generally FDIC insured up to $250,000.

iT all adds UPJEff & raCHEl

sEaGraVE

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Jeff & Rachel SeagraveSenior Vice President PrimericaNoblesville, INFormer Occupation: Agriculture/StudentFormer Income: $28,000Current Income: $168,253*


iT all adds UPWell, not all numbers. for instance, he didn’t like working “8-to-5” each day.

He didn’t like working 50 hours per week while going to college part-time,

either. But mostly, he didn’t like having zero dollars to show for it.

“Rachel and I had just had our first baby and I was working 50 hours a week and going to college

part-time,” recalls Jeff. “I had no time and no money. My parents ran a farming business when I was

growing up, so I was never exposed to someone with a ‘job.’ I didn’t understand the trap of having

an ‘8-to-5, punch-a-time-clock, work-for-someone-else’ lifestyle until I started my job with a major

tractor company. I hated having a boss and a rigid schedule,” he says, “so when I saw the freedom I

could have by being my own boss with Primerica, I knew I had found what I was looking for.”

Jeff Seagrave iS a guy who likeS numberS.

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Jeff joined Primerica at age 20 and the thing that stuck with him the first night he was introduced to the business was that so many people were making over $100,000 and some were even making $1,000,000 or more per year.*

“I joined for money and freedom,” he says. “We love the freedom and lifestyle we now have. Our three kids are at the stage in life where they’re in almost every activity possible. We have the freedom now to be with them all the time and to create incredible experiences for them that most kids don’t have. We love to travel and we usually take eight to 10 trips per year!”

But it’s not all about the benjamins. “We measure our success by how many others we’ve helped become successful,” Jeff says enthusiastically. “I truly believe everyone should be a part of Primerica. I’ve never seen anything else like it! No matter what someone’s ultimate goal in life is, it probably requires

more time and more money than they have right now. Primerica is the perfect vehicle to achieve that extra money and time while helping others in a very significant part of their lives!”

He continues, “The biggest thing that surprised me about Primerica was that it worked exactly the way they told me it would. It looked a little too good to be true at first and i was just hoping it was half as good as it looked. Primerica really is a place where hard work and perseverance pays off. you can live the dream!” n

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How much do you know about money?

I mean … how much do you really know?

Enough to get rid of your student debt?

Enough to make smart savings choices for your future?

Get Schooled

Source: 2013 Wells Fargo Millennial Survey, “Millennials & Money”

Don’t make the same mistakes your parents made. Ask the Primerica representative who gave you this magazine for a free copy of How Money Works.

You’ll learn all of the important financial concepts they didn’t teach you in school.

TOPICS MILLENNIALS WIShED ThEY LEARNED IN SChOOL

70%

60%

59%

58%

52%

51%

50%

51%

BASIC INVESTING

hOW LOANS WORK

hOW TO SAVE FOR RETIREMENT

INSURANCE TOPICS

hOW TO ACqUIRE CREDIT

hOW TO PAY FOR COLLEGE

hOUSEhOLD BUDGETING

UNDERSTANDING IMPACTS ON

CREDIT SCORES

25% 50% 75%

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THE road lEss TraVElEd

Mario & fraNNy

arriZoN

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Sometimes in life the path you find yourself

on isn’t the right one. At age 19, Mario Arrizon

was in college, but was beginning to realize

that college wasn’t the right choice for him. He

knew he wanted to do something great with

his life. He just didn’t know what.

Mario & Franny ArrizonNational Sales Director PrimericaRiverside, CAFormer Occupation: StudentFormer Income: $0Current Income: $544,902*


Then he was introduced to Primerica.

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“Our first impression was: ‘This is our shot to change our lives!’” he remembers vividly. “i was unhappy at college. The moment i found out about Primerica i knew that this is exactly the opportunity i was looking for and didn’t even know it.

“We believe that Primerica is the ultimate business opportunity,” he continues. “A small start-up cost, unlimited territory, freedom and flexibility of time, no limits on how fast or big we can grow… We know other business owners and they don’t have the freedom of time and support system that we get with Primerica.”

Mario and Franny love all the “extras” they get with Primerica. “Our favorite thing about Primerica was obviously the income potential and the freedom,” he says. “We never had the means or the opportunity to travel before we joined Primerica. It’s amazing and exciting to be able have a real vacation.”

When Mario and Franny, just 19 and 18 years old at the time, first joined Primerica their family was very supportive, but their friends? Not so much. “Since we were really young,” Franny says, “our group of friends were into other things and having fun was their top priority. They thought we were ‘different’ for wanting to do something with our lives. But, after we started becoming more and more successful, they started looking at us differently. The level of respect went up, and that was such a great feeling.”

Their future has never been brighter. “Primerica keeps getting better and better,” Mario says enthusiastically. “Just when we think that it’s the best time in the company something happens to make it even better.”

They’re happy to roll with it and see just how far their Primerica business can take them.

“Our ultimate goal is to completely change our family tree forever,” Mario says passionately. “So far we have been able to impact our parents’, our siblings’ and our son’s lives. We want to leave a legacy for the rest of our family to come.”

They’re well on their way to making that dream come true. n

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Don’t Be That Guy (or girl)Did you know that a record 36% of 18-to 31-year olds are couching it at their

parents’ house? That’s the highest in four decades … and nothing to brag about.

Being unemployed and underemployed

contribute to these stats. Almost half

(45%) of those living back at home are

unemployed while 29% are employed. But

you don’t have to be that guy — or girl!

56% 40%

Earn some extra income so you can call

your own shots and move forward, not

backward. Ask the representative who

gave you this brochure how you can take

advantage of what Primerica has to offer!

Adults aged 18 to 31 living at the home of their parent(s)

Age 18-24 Male

16% 32%Age 25-31 Female

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HuffingtonPost.com, August 1, 2013

folloW yoUrdrEaMs

“I was young and immature,” he admits with a laugh. But, the more he learned about Primerica, the more he liked. It didn’t take him long to join the company and start building a business.

“I decided to join Primerica when I realized that Primerica was truly the only hope for middle-income North American families,” he recalls. “I knew I could build a business around making a huge, positive difference in people’s lives.

At first, not all of his friends and family supported his decision to join Primerica. Benjamin says that some of those very friends that made fun of his choice are now either unemployed or very underemployed, a fate of many Millennials. Some other family members and friends still don’t get it, but he’s okay with that. “I guess it makes people feel better to make fun of something instead of asking themselves why they’re not doing anything to improve their own quality of life.”

He’s certainly improved his and his wife’s quality of life. He’s earning more than four times what he earned

before he was introduced to Primerica. But it’s not all about the cash.

“My favorite perk is being in complete control of my schedule and having the freedom to build a life in which my business comes after my family and other priorities in my life,” he says passionately.

“My ultimate goal is to provide a far better life for my children than I had,” he continues, “and to live a life of giving and paying it forward. I don’t understand why so many people quit something before they even get started and why so many of us wait so long to make a decision to go after our dreams.

“i wish i knew then what i know now,” he says. “Why do we all waste so much time when we could be changing our lives forever?” n

When Benjamin Sheppard first heard about Primerica, he was 22 years old and

had college degrees in both finance and economics. He had it all figured out.

BENJAMIN & SAMANTHA

SHEPPARD

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Benjamin & Samantha SheppardSenior Vice President PrimericaYork, PAFormer Occupation: SalesFormer Income: $85,000Current Income: $410,177*


Success #IRLToday’s economy? Not the greatest.

Pretty bleak, huh? It doesn’t have to be.

In fact, many younger workers are opting to take their future into their own hands rather than wait around to see if things finally improve. They’re going into business for themselves.

Redefine Your FutureUnlike those who came before them, Millennials

(those born between 1980 and the early 2000s) aren’t dying to climb the corporate ladder and land that mythical corner office. In fact, “60% are turning their backs on the traditional career path and instead, consider themselves entrepreneurs.”2

They’re not waiting for a big windfall from their grandparents or parents either. While you might think that most millionaires inherited their fortune, studies show that “the more an individual is worth, the higher the likelihood that entrepreneurship was the primary source of wealth.”3

The New Corporate BailoutOf those actually working a “regular” job, 71%

dream of quitting and going into business for them-selves. As many as 60% are already plotting their escape and plan to leave within the next two years.4

Why? They’ve seen what happened to their par-ents’ so-called “secure” jobs. They’re still suffering the aftershocks of the Great Recession of 2007. They want freedom and unlimited income potential.

“Young workers have been especially hurt by the economy, with the unemployment rate among 16- to 24-year olds at 18.4% … twice that of all workers. And that doesn’t count young workers who are underemployed and filling the gap with part-time jobs and unpaid internships.”1

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1 USAToday.com, viewed on May 30, 2014 2 Entrepreneur.com, September 23, 2013 3 Entrepreneurship.org, viewed June 26, 2014 4 Entrepreneur.com, September 23, 2013 5 The Partnership Empowerment Program (PEP) is a recognition program for Primerica Partnerships. It is not a business or legal partnership. PEP cannot affect, combine or alter contractual compensation, hierarchical agreements or ownership.

No control of TIME.No control of MONEY.

Control of TIME.Control of MONEY.

EmployeeHas a job.Income based on position, not the person. A boss controls your lifestyle.

Business OwnerOwns a system.Has others working for him/her.Unlimited income potential via franchising, manufacturing, marketing, etc.

Self-EmployedOwns a job.Doctor, lawyer, stylist, designer, etc. Must be involved personally to produce income.

InvestorHas money working for them.Enjoys complete freedom and lives the dream.

Limited control of TIME.Limited control of MONEY.

Control of TIME.Control of MONEY.

Which of these scenarios seems like it would be a good fit for you?

Don’t Limit Your Potential. With Primerica, You:

• Sell a product that everyone needs. Nearly everyone needs financial education and the products that could help them have a better financial future. Trends come and go, but financial solutions are always needed.

• have unrestricted territory. Move and live where you want. (Subject to licensing restrictions.)

• Work with your Partner.5 Keep a healthy life-work balance and social connections by work-ing with your spouse, parent, sibling, or good friend.

• have freedom with your time. You set your own hours and keep your own schedule. When you work is up to you!

• have the opportunity to earn as much as you want. There are no caps on what you can make!

So what’s success #IRL? Whatever you want it to be.

Talk to the Primerica rep who gave you this magazine about what the Primerica opportunity can do for you.

“Tim was looking to replace a part-time job he had at the time,” Lindsey remembers. “Our original goal was to make an extra $500 a month. We liked that we could start part-time and have a flexible schedule.”1

What started out as a way to earn some extra income quickly became so much more.

“This company has changed our lives in so many ways,” Tim smiles. “One aspect of Primerica that we have truly enjoyed is the ability to work and grow our family business together. A lot of companies don’t encourage camaraderie, let alone encourage you to partner up with a friend, spouse or family member. Plus, we were amazed at how helpful and supportive everyone was that we met in the business. It was very different than a ‘corporate’ setting.”2

Flexibility and freedom of time are also huge perks. “Now that we are both full-time, it’s great to have the freedom to go to lunch throughout the week, go on day trips, etc.,” Lindsey says. “We love that we get to pick the people that we work with and have a

positive influence on our community. And don’t even get me started on the company trips that we have been fortunate to go on! Those trips have expanded our vision and thinking in a massive way.”

Tim adds, “Primerica has not only given us a financial education, but has allowed us to live our life with the flexibility and freedom of time. For awhile our friends and family thought we were crazy for working so hard. Little by little, some started coming around. But once we both went full-time, and those around us started to see the benefits of the business, we have seen a huge shift of friends and family being more supportive.

“Our goal is to build a family legacy and continue to help others reach their goals and dreams,” says Lindsey. “We must never forget that we are paid in direct relation to the families that we impact. Without our clients, there is no opportunity. We’re so grateful to build a business while helping others live their dreams, too.”

ENViroNMENT is EVEryTHiNG

1 Part-time opportunity not available in all parts of Canada. And where available, is subject to certain restrictions.2 The Partnership Empowerment Program (PEP) is a recognition program for Primerica partnerships. It is not a business or legal partnership.

PEP cannot affect, combine or alter contractual compensation, hierarchical agreements or ownership issues.

Timothy and Lindsey Barley fell in love with the positive environment

Primerica offers from the very beginning. They started their business at age

24 and were completely blown away by the huge impact Primerica made

on their finances. They knew they wanted to do the same for other families.

TiMoTHy & liNdsEy

BarlEy

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ENViroNMENT is EVEryTHiNG

Timothy & Lindsey BarleyRegional Vice President PrimericaYork, PAFormer Occupation: Project EstimatorFormer Income: $65,000Current Income: $248,714*


Glen & Xiomara LiSenior Vice President PrimericaEdison, NJFormer Occupation: Light & Sound TechnicianFormer Income: $35,000Current Income: $507,890*


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Xiomara Li believes that what you give is what you can expect to get

back. She has the heart of a philanthropist. She also has the heart of an

entrepreneur.

Xiomara was 18 and Glen was 23 years old when they started

looking for an opportunity to make something of themselves.

They knew that they wanted to be part of something great, they

just didn’t know what that was. Then they joined Primerica

and realized they could help families become educated about

their finances and (the best part) get paid well to do it.

GET WHaT yoU GiVE

liGlEN & Xi0Mara

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“It’s pretty neat!” Xiomara exclaims with contagious enthusiasm.

“Primerica has truly changed our lives,” she continues. “You can have it all here: A great spiritual life, marriage and personal life. It’s an amazing business where you’re guided to become successful and you can pay it forward by guiding others to become successful, too.”

Glen loves helping families, but he also keeps his eye on the prize, and that means he’s working toward owning his business and being able to leave a legacy to his family one day.1

“I love that the results from our hard work and efforts can be passed down to our family one day,” he says. “There’s no income cap. You can make what you want. You’re paid based on your efforts. The incentive trips are amazing, but so is watching other

people grow and have the same opportunities we have. It’s really cool.”

But is Primerica for everyone? “You can start part-time and start building a business without quitting your job,” Glen says.2 “Then, if you go full-time, you can build a legacy of freedom for your family. You learn how money works. Then you can teach those

same principles to your friends, your family and your community. You

make an impact. Who wouldn’t want to be part of that?”

While becoming financially independent is a top goal for the couple, Xiomara will continue to follow her heart along the way. “I’d ultimately like to be in a position to donate more to charities and make a change in our communities.”

You get what you give. No wonder Xiomara and Glen are

so successful.

1 Primerica’s Ownership Program is subject to terms, conditions and applicable regulatory requirements.2 Part-time opportunity not available in all parts of Canada. And where available, is subject to certain restrictions.

31

Oh, the Places You’ll Go!Primerica takes its representatives all over the world.

They’ve learned how to build their business in amazing, 5-star resorts with all the amenities.

It’s an opportunity to live the good life and reap the rewards you’ve worked hard to achieve

while building your business. Sound good? Check out PrimericaBusinessOpportunity.com

or ask the person who gave you this magazine where the opportunity can take you.

Big Money, Big Dreams

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