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Seize Your Destiny

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The Financial Services Company for the 21st Century

Serves more than six million clients in the U.S., Canada, Puerto Rico, Spain and the Virgin Islands

Largest financial services marketing organization in North America, with over 100,000 licensed representatives

More than 25,000 licensed mutual fund representatives

Securities clients have nearly $20 billion in assets under management

Originated over $5 billion in loans

Placed in force more than $90 billion in life insurance in 2008

In business since 1977

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Primerica’s Mission: Help Families Become Properly Protected, Debt Free and Financially Independent

“Having revolutionized the insurance industry, the men and women of Primerica Financial Services are on a crusade to spread the dream of financial security to middle class families.”

Success from Home, July 2005

“By taking time to educate its clients and teach them how money works, Primerica is helping families address their most serious financial problems – and find solutions.”

Premier Business, Fall 2007

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A Track Record of Success

Primerica income figures are cumulative from 1977 and are based upon rolling 12-month gross cash flow (including advances) as of November 30, 2006. Primerica has more than 100,000 Representatives. The cash flows stated are not intended to demonstrate earnings of typical RVPs/Representatives. Rather, the cash flows that have been cited reflect the potential that comes with building your business, and there is no guarantee that you will achieve any specific cash flow level. Most RVPs/Representatives do not achieve the levels illustrated. Of course, actual gross cash flow is, among other factors, dependent upon actual organization size, the number of sales and the override spread on each sale, and the ability and efforts of you and your downlines. Commissions are subject to deferred compensation account withholding and applicable taxes. RVPs are responsible for their own business expenses and pay for all office expenses for their base shop representatives. The Company may from time to time modify, supplement or terminate any compensation program in any manner. Further details are available from Primerica Financial Services, Inc.

In 2008, Primerica paid an astounding $622 million to its sales force!

Personal Income Since 1977New Since 2000

Over $50,000 4,9922,452

Over $100,000 2,4001,258

Over $1 million 6231

Over $2 million 176

Over $5 million 11

Cumulative Number of Earners

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Protection Crisis

Without adequate insurance, many families will experience financial devastation upon the death of a loved one.

It is estimated that the average family is underinsured by more than $300,000.1

1. National Underwriter, April 24, 2006 2. National Underwriter, September 20, 2004 3. National Underwriter, April 25, 2005

If something happened to you, would your family’s future be secure??

59% of households have no individual life insurance at all.

259% of households have no individual life insurance at all.

2

44% of households believe they need more life insurance.

3

59%

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Two Types of Plans: Cash Value versus “Own Term and Invest the Difference”

1. No Account Balance Available First 2+ Years

2. 2% - 5% “Return” onYour Money

3. Borrow It @ 6% - 8% Int.

4. Die - Lose Savings

1. Your Money Credited Immediately

2. Possible 8% - 12% “Return” on Your Money

3. Withdraw It - No Fee

4. Die - Family Get Savings

Plan A Plan B

Over 3 Trillion Dollars are in Plan A87% of People in America with Income Protection Have Plan A

Why do you think people buy Plan A??

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Plan A (cash value)($83 per Month)

Plan B (term & savings)($83 per Month)

Which would you prefer…“cash value” or cash money??Approximately $597 per year goes towards

SAVINGS.

$200,000 Face Amount Life Insurance

$0

$50,000

$100,000

$150,000

$200,000

Age30

Age35

Age40

Age45

Age50

Age55

Age60

Age65

Savings

$100,000 Face Amount Life Insurance

$0

$50,000

$100,000

Age30

Age35

Age40

Age45

Age50

Age55

Age60

Age65

Cash Value

“Own Term and Invest the Difference”

Approximately $447 per year goes towardsCASH VALUE.

“Under no circumstance do you want “cash value life insurance,” no matter how fabulous the agent makes it sound.

Suze Orman, Premier Business, Fall 2007

“Cash value life insurance is one of the worst financial products available.”Dave Ramsey, Total Money Makeover

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Savings Crisis

The personal savings rate has fallen from 10% in the 1980s to a NEGATIVE percent.1 That means people are spending more than they earn!

The last time we had a negative percent savings rate was the Great Depression.2

Almost half of all workers

think they’ll still be working

at age 65 or older!3

1. USA Today, July 13, 2004 and October 7, 2005 2. Atlanta Journal Constitution, November 1, 2005 3. Money, February 2005

What if this were your parents or grand parents??

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Savings: The Power of Compound Interest

The Rule of 72 approximates the number of years it takes to double your money.

Look at the dramatic effects of time and compounding

Based on the Rule of 72, a one-time contribution of $10,000 doubles approximately three times more at 12% than at 4%.

The table serves as a demonstration of how the Rule of 72 works and is only an approximation of accumulations. It is not intended to represent any specific investment, in which rates of return will fluctuate.

AGE 4% 6% 12%

29 $10,000354147 $20,000535965 $40,000

$10,000

$20,000

$40,000

$80,000

$10,000$20,000$40,000$80,000

$160,000$320,000$640,000

“Compound interest is the most powerful force in the universe.”— As quoted in Dow 40,000 by David Elias (1999)

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Debt Crisis

Consumer debt has DOUBLED in the past 10 years.1

Americans with credit card debt have an average balance of $10,678.2

The average household owes 20% more than it makes each year.3

Foreclosures topped the 3 million mark during the year…225% higher than 20064

1. USA Today, April 29, 2005 2. USA Today, November 10, 2008 3. Newsweek, February 1, 2008 4. UPI.com, January 15, 2009

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Debt: The SMART Solution

Restructured $210,000for 25 years at $1,531

At age 35

Makes available $ 780 per month

1st Mortgage$175,000@ $1,104(for 25 more years)

Personal Debt$32,157 @ $1,207

Total monthly payments = $2,311

Original Loan APR: 6.00%Original Term: 30 yearsOriginal Loan Amount: $184,100Market Value of Home: $263,000

What do you think most people do with the $780??

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A Plan to Become Debt Free

After the house is paid off, take the $170,700lump sum you accumulated and invest with the $2,311 now available each month until age 62

The total, given a 10% return = $1.20 million

$780 monthly savings

Invest $412 a month at 10% for 15 years

= $170,700

Add $368 a month toward payment of

principal$170,700 invested/House and all debt paid off in 15

years

How would they feel? How would you feel??

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FNA: Most People Don’t Plan to Fail, They Fail to Plan

The Problem:Traditional financial institutions sell products. They don’t provide a total solution.

The Solution: A Financial Needs Analysis• Customized• Confidential• Complimentary

Doesn’t a Financial Needs Analysis make sense??

The FNA providesSolutions in these areas:

•Savings•Income Protection

•Debt Elimination•Income Management

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Income Crisis

Employees are working more hours for less pay.1

Average raise: 3.5%2

Inflation: Cancels out your raise! A quarter of U.S. employers expect to make layoffs

in the next 12 months.3

1. Business Week, October 3, 2005 2. Parade, March 13, 2005 3. CNNMoney.com, October 30, 2008 4. Money, January 2007

? Given the choice, wouldn’t you like to be your own boss?

57% of people dream of starting a business.4

57%

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

SELF EMPLOYEDOwns a job. Dentist, doctor, lawyer, hair stylist, real estate agent, salesperson.

BUSINESSOwns a system. Has others working for them. Unlimited income potential via manufacturing, marketing, etc.

INVESTOR

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

The Four Ways to Earn Income

Which two ways to earn income appeal to you the most??

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Title ContractLevels

75% AdvancedCompensation

Representative 25% $173.43

Senior Rep. 35% $242.81

District 50% $346.87

Division 60% $416.25

Regional 70% $485.62

RVP 95% $659.06

Based on a $83/month program

Compensation: Personal

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Compensation: RVP Bonus & Override

Personal Sales = $1,318

Override Sales = $2,775

Monthly Bonus = $3,150

That’s $7,243Per Month!

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In Business for Yourself, But Not By Yourself

Experienced mentors train you

Incentive trips for you and your team — Hawaii, Cancun, Vegas, the list goes on!

Cutting edge technology

Professional marketing materials

Award-winning client support

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Crisis … Or Opportunity?

Never before has a market been so in need of what one company does.

Never before has a company been so perfectly positioned for explosive growth.

The stage is set for massive economic change among

the middle market: Primerica’s Market

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1. Is there a need for what we do?

2. Could see yourself giving thissimple presentation?

Ask Yourself Two Final Questions:

Get a new start with Primerica.Seize your destiny today!

$99 plus $25/month forPrimerica Online, a uniquestart-up package that gives youaccess to the ultimate support system