The New

Rules To Getting Ahead

Pssst Having a 9-5 job isnt one of them.

A new kind of

opportunity.
Everywhere you turn you hear the words new economy but what does that really mean? For your generation, you probably think it means a shrinking job market and limited career opportunities.
But more and more Millennials are redefining what a traditional career means to them.

60% 25% 75%

think they will switch jobs in five years are completely satisfied at work, half the level of boomers want to work for themselves one day

Money, December 2012

Rethink your career.

Dont restrict your life by a 9-5 job with a limited salary. Imagine a career where you can set your own hours, work as much or as little as you like and have the potential to earn an unlimited income all without a boss, a manager or someone else putting limits on your time or earnings potential!

Think its too good to be true? Think again!

Primerica is a different kind of career opportunity with a 36-year track record of proven success. Take a closer look at a career with one of the most innovative and exciting financial services companies in North America.
Primericas mission:
To help families earn more income and become properly protected, debt free and financially independent.

Primerica at a glance:
More than 4.3 million lives insured through our life companies More than 2 million clients maintain investment accounts with us More than $664 billion of life insurance placed in force through us An average of $2.8 million in benefit claims paid every day Investment clients have more than $37 billion of asset values in their PFSI investment accounts (as of September 2012)
(Primerica refers to Primerica and its affiliated companies.)

And we do all of this without national advertising! Primerica relies on earning the trust of our clients and word-of-mouth referrals.

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.* Keep a healthy worklife balance and social connections by working 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. You earn commissions by selling products and there are no caps on what you can make!
* 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, hierarchal agreements or ownership.

Financial services produced more multi-millionaires than any other industry in 2011.
CNBC.com, December 3, 2012

Why be normal?
What is the new normal these days? Buying stuff and having a lot of debt? Is it working in a boring 9-5 job and living paycheck-to-paycheck? And what about learning the financial concepts no one taught you in school? What you do with the money you earn is just as important as how much you earn. Primerica is dedicated to teaching people how money works and you can make a great career out of teaching others how to get on the right financial path!

Mario & Franny Arrizon Riverside, CA Started with Primerica at age 19 Age now: 27 Primerica income: $417,427
See important earnings disclaimer on last page.

Think outside the box.

These entrepreneurs decided to do something different with their lives and started a business with Primerica. Theyre breaking the mold, pursuing a non-traditional career path and building the life of their dreams. With Primerica, you can, too!

Whitney & Rob Cooper Ft. Worth, TX Started with Primerica at age 21 Age now: 26 Primerica income: $171,860

Jason & Jenn Cueva Jacksonville, FL Started with Primerica at age 20 Age now: 31 Primerica income: $99,383

Jeff & Kelcey Fieldstad Las Vegas, NV Started with Primerica at age 19 Age now: 27 Achieved $400,000 level in Jan. 2010

Luis Jean-Bart Jamesburg, NJ Started with Primerica at age 23 Age now: 31 Primerica income: $256,137

Ali & Rim Karout Montreal, Quebec Started with Primerica at age 19 Age now: 24 Primerica income: $90,640

Arturo Nunez Miami Lakes, FL Started with Primerica at age 22 Age now: 31 Primerica income: $157,080

See important earnings disclaimer on last page.

Samir & Cinthya Qureshi Herndon, VA Started with Primerica at age 22 Age now: 30 Primerica income: $117,231

Kenneth Ripa Sterling, VA Started with Primerica at age 22 Age now: 26 Primerica income: $101,286

Danny & Rosemary Sengsou Ft. Worth, TX Started with Primerica at age 21 Age now: 24 Primerica income: $79,957

Jeff & Rachel Seagrave Indianapolis, IN Started with Primerica at age 20 Age now: 31 Primerica income: $157,713

Adrian & Audrea Sloan Charlotte, NC Started with Primerica at age 25 Age now: 28 Primerica income: $99,221

Blake & Lindsey Whittle Baton Rouge, LA Started with Primerica at age 18 Age now: 27 Achieved $200,000 level in July 2009

The New Rules to Getting Ahead

Take control Go into business for yourself Get your financial house in order Understand financial concepts Define your own career path

Be different. Take control of your future today.

Important Earnings Disclaimer Primerica income figures are based upon rolling 12month gross cash flow (including advances) as of November 2012. The cash flows stated are not intended to demonstrate the 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. In the 12month period ending in December 2011, Primerica paid a total of $504,514,944 in compensation to the 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 representatives 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. Primerica representatives are independent contractors and are not employees of Primerica. Primerica representatives market term life insurance 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 US jurisdictions, and Primerica Life Insurance Company of Canada (Head Office: Mississauga, Ontario) in Canada. Securities: In the United States, securities are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, GA 30099. 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. Primerica is an affiliate of PFS Investments Inc.
2013 Primerica / A9223 / 45386 / 1.13 / 12PFS670-3