Finding out that you have breast cancer is a sobering moment for anyone, and for Lisa Hoggard, of London, Ontario, her 2008 diagnosis was no different. But what she and husband, Rob, did next is a testament to the power of positive thinking – a trait they’ve developed over their 25-year career with Primerica.
“Nothing can properly prepare you when coming face to face with your own mortality,” Rob reflects. “But Primerica has guided us to always look for the good in everything. We strive to be an example for others to follow in both our business and personal lives.”
The Hoggards threw themselves into addressing Lisa’s cancer in the same way that they built their Primerica business. “Building our Primerica business has taught us to never give up, no matter what the challenge,” Lisa explains. “So even through the surgeries, radiation, chemotherapy and hospitalizations, Rob and I have stayed positive. I’ve exercised daily and focused on taking one day at a time.”
Rob adds, “Because of our Primerica business, Lisa has been able to use whatever time and resources she’s needed to fight and overcome the challenges that having this disease brings. We appreciate the freedom we have through our Primerica business even more now that we’ve gone through what we have. You can’t put a price on that.”
Today, Lisa is cancer free, doing well and fired up about sharing her story and helping others. “I started a Primerica team to participate in the CIBC Run for the Cure, which is Canada’s largest single-day, volunteer-led fund raising event for breast cancer research,” says Lisa. “So far, we’ve raised more than $40,000!”
Rob concludes, “In business and in life, you have to focus on the solution, not the problem. You have to tirelessly fight until you win. We feel very blessed to be guided by the principles that Primerica teaches.”
Are you one of the lucky ones? One that has a job? A job in your field? If you answered yes, kudos to you! Of course, having a job doesn’t necessarily mean you’re happy and fulfilled. Are you? Happy, fulfilled and making the kind of money you want to make? If not, the bad news is you’re not alone. But the good news is … it doesn’t have to be that way.
The bad news: You’re working even harder for the money.
“53% of workers reported taking on new roles, typically without extra pay.”1
The good news: With Primerica, your hard work pays off.
Our compensation system is one of the best in the industry, so when you work hard, you reap the rewards. There is no limit to how much you can make.
The bad news: Job security is an urban legend.
“About 40% of the employees say they have been working harder in the past 12 months, and 25% said they feel even less secure in their jobs this year than they did a year ago.”2
The good news: Primerica is stable and always looking to add people to the roster.
Primerica has been in business for almost 35 years. We’re always looking for ambitious people who want to start a business. There’s plenty of room at the top!
The bad news: Most people aren’t happy with their jobs.
“Fewer than half of U.S. workers are satisfied with their jobs and workers younger than 25 years were most unhappy in their jobs.”3
The good news: Primerica is a company that allows you to be in business for yourself, but not by yourself.
Wouldn’t you be happier if you were your own boss and in charge of how much money you can earn? Yeah, we think so, too. That’s why Primerica offers representatives a huge support system to help them build a business. We want you to succeed and have the life — and lifestyle — you’ve always dreamed about.
The bad news: Equal pay for equal work is a rarity.
“Though women are more educated and better represented than ever in the workplace, they only earn about 75% of what their male counterparts make.”4
The good news: At Primerica, everyone has the same opportunity to be extraordinary.
Male or female, whatever your ethnic background or educational background — you have an opportunity to start a Primerica business. There are no compensation disparities. You do the work; you earn the money. No matter who you are, where you come from or what you’ve jobs you’ve had in the past.
The BEST News
If you’re looking for a way to have it all: flexibility, money, lifestyle and success — you’ve come to the right place. Going into business for yourself can give you everything you want and more. Check out the Primerica Opportunity and get started on your new life today!
Money, August 2011
LifeandHealthInsuranceNews.com, viewed on October 12, 2011
Freedom of time and money is something everyone would love to have. But how many of us sacrifice freedom to make ends meet at a J-O-B?
A great example is a man in South Carolina who recently made news for quitting his job as a car salesman in order to be there to watch his son pitch in the College World Series. Last year, the father was forced to miss his son’s first appearance in the Series because the father’s employer wouldn’t let him take time off. This year, he was determined to make it for this important family event – and the only way was to quit.
Primerica is filled with stories of families like this one. People who were sick and tired of an employer controlling their time. These leaders were searching for a way to become free – and they found Primerica.
Primerica doesn’t make you choose between your family and your job. Here, you have the opportunity to build a successful business by helping families in your community. This business gives you the chance to earn what you’re worth, on your own schedule! That’s true freedom! Having the time and potential money to live life on your terms – not someone else’s.
Want to know more? Visit FreedomLivesHere.com to read the stories of successful leaders who fired their bosses and are taking charge of their own futures through Primerica!
In early 1994 Tony and Shelly Narain owned a real estate brokerage in the Stratford, CT, area. “Things were running along pretty well back then,” remembers Tony, “or at least we thought so. But then my brother came up to me one day and said, ‘Listen, I’ve heard about this company with a great opportunity. Let’s go check them out.’”
“I was really excited about what I saw,” says Tony. “I could see how we could help a lot more people and have a real residual business – something we would never have with real estate. Shelly and I weren’t scared about going out on our own because we had been doing that for years. What we were attracted to was the freedom.”
Tony and Shelly kept attending Primerica functions to find out more about the business. “That’s the part we got right immediately,” says Shelly. “We stayed plugged in – even if we were still concentrating on the real estate. We never missed a training meeting. In fact, we went to as many as six a week because we wanted to condense the time it took us to figure out the business and become successful. The beauty of Primerica is you have to put the time in to get your business going but you can do it at your own pace. We just chose to go as fast as we could.”
Tony and Shelly hit the ground running. “Things seemed slow to us at first,” says Tony “but the pace started to pick up.” By June of 1995, Tony and Shelly were ready to open their first Primerica office. “It was a stretch,” remembers Tony. “ But we went from $3,000 our first year with Primerica to $26,000 and three years later we were at $500,000.1 Since then, the Narains have continued to build and are now Senior National Sales Directors with the company. They have an entire organization which they started and grew – and which they own.2 “We have our own business within a business,” says Tony.
“You know, there’s one thing I want to say about Primerica that really changed our lives,” says Shelly. “Before we ever started making money, we were already learning how to manage our money. Before, even though we were earning what we thought was good money in real estate, we never had any money in the bank. We spent as fast as we made it. Primerica helped us learn how to pay ourselves first – and Tony and I haven’t argued about money since. We see eye-to-eye on finances.”
“Even after the money came rolling in,” says Tony, “we were careful about stepping up the lifestyle. And we brought up our four daughters in the same way. They have never had to worry about a thing – and today our family has a life we couldn’t have even dreamed up in 1994, but the kids appreciate where all of it came from. Hard work.”
Tony and Shelly are proud of their family and thrilled two daughters, Betty and Mary, are active in Primerica. “We’re building a family business that we can pass down from generation to generation,” says Tony.2
“It’s been a wonderful ride and we can’t wait for the future,” says Shelly.
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 12‑month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 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 representative’s 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.
Ownership is available only upon meeting all qualification and eligibility requirements, and remaining in compliance with all terms and conditions, as set forth in the Ownership Program Document and various operating policies and procedures issued by Primerica from time to time.
There aren’t a lot of Primerica leaders with more in the field, business building experience than Dee & Debbie Pinckard, of Knoxville, TN. Just five years after Primerica’s 1977 founding, the Pinckards became Primerica entrepreneurs – and they’ve spent nearly three decades creating a strong, successful legacy that they’re sharing with their family. “Primerica offers you the chance to make a lot of money, sure, but it’s also a great opportunity for business builders to work together as a family and to instill your values and work ethic in future generations of leaders,” says Dee.
Before Primerica, Dee worked as a mechanical engineer and Debbie took care of their home. “When we first started, we saw Primerica as a way to get out of debt, but it turned into a great career change for Dee and gave me the flexibility to not only spend more time together as a family, but also to be involved in our own success,” says Debbie.
Today, the Pinckards earn around $400,000* per year through their Primerica business and they have the opportunity to work closely with their daughter and son in law, Alison and Proctor Hensley and Dee’s brother and sister-in-law, Scott and Betsy Pinckard. “Primerica is all about options,” says Debbie. “It gives you the freedom to live life on your terms – and to do it with the people you care about the most.”
To learn more about how you can start your own Primerica family business, visit us online.
*Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of May 2011. 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 12‑month period ending in December 2010, Primerica paid a total of $503,115,928 in compensation to the sales force at an average of $5,296 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 representative’s 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.
