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.
{Special thanks to the Phelps’ uplines, Julian & Shirley Mae Serena, for spreading the word about how Chuck and Kate are rising above their situation to continue to build their business}.
For years, Chuck & Kate Phelps, of Woodstock, Ontario, have been there for their clients, building their Primerica business by bringing hope to families in their community and sharing Primerica’s solutions for a brighter financial future. So when Chuck recently needed his Primerica family, they were ready!
On December 27, 2010, Chuck recalls lying on the couch in their home, with a splitting headache. “I was about to just take some pain medication and tough it out but it was so bad, I knew something was wrong,” he recalls. When they arrived at the hospital, they got a shock: a CT scan revealed a fist sized blood clot in his brain. They immediately transferred him to a larger hospital where he was scheduled for surgery the following day. “It’s a busy hospital and operating rooms are usually booked, but, thankfully, there was a table available,” says Chuck.
Once he was taken into surgery, doctors discovered his condition was much worse than they originally thought. His brain was at a “48-hour swell,” which is right on the verge of being fatal. To complicate matters, a large tumor was also found during surgery. “The doctors told my sister that I probably wouldn’t be able to see or walk again after the surgery,” Chuck explains. “But about 10 days later, I walked out of the hospital!”
Throughout his ordeal, Chuck says his Primerica business never faltered. “My team has been incredibly supportive,” Chuck says. “They ran the business – are still running the business, actually. I thank God every day that I am a part of this business. My Primerica teammates came through for us. They saved my business when I couldn’t be there physically to continue building.”
He continues, “For the first three months after my surgery, I had to be completely stress free to let my body heal. My Primerica team came through for me in an incredible way. I never worried about whether or not my clients would be taken care of or if my business would still be there for me when I recovered.”
But it wasn’t just his fellow Primerica business builders who came together to carry Chuck, Kate and their two children, Spencer, age 12 and Madison, age 10, through their challenges. “It takes something like this to make you realize just how much of an impact you’ve had on the lives of others,” enthuses Chuck. “When I was in the hospital, I was so touched by the clients who came by to wish me well and to help me out. What everyone has done for my family goes beyond just the friendships we’ve built over the years – they’ve become family.”
He adds, “So far, I’m doing well. I get a little bit better every day and I’m confident I’ll be back to business soon!”
If the answer is no, you’re not alone. According to a recent survey conducted on behalf of the American Psychological Association, while employed workers might be happy they have a job, many feel undervalued and stressed out, with many dissatisfied with aspects of their job.
Almost half don’t feel valued on the job and as many as 32 percent indicated that they intend to seek employment elsewhere within the next year. Sound familiar?
It doesn’t have to be that way. You could take control of your future by going into business for yourself. With Primerica, you could start either part-time* or full-time and begin working toward business ownership today.
You don’t have to look far among Primerica’s ranks to find great examples of people who have used the Primerica business opportunity to create something incredible for themselves and their families. Arleigh & Fern Larson, of Calgary, Alberta, are one such couple.
Before Primerica, Arleigh worked as a farm equipment dealer. It was a very successful business in terms of the volume of sales and the amount of retail locations they had. But farming equipment is expensive and the Larsons had to rely on bank loans to cover their overhead costs.
“When we heard about Primerica, we were immediately drawn to the low startup costs and the chance to build a successful business with our family – that would help us get out of debt, not deeper into it,” recalls Arleigh.
Arleigh says he was also impressed with the opportunity to experience the same kind of freedom and growth opportunities as he had with his previous business, but with the added benefit of being able to make an incredible potential income by helping families with their finances.
But, more than the earning potential and the ability to make a difference in their community, the Larsons saw their new Primerica business as a way to do something they loved, with the people they cared about the most. “Families can work together at Primerica better than most other businesses because of our unique structure,” explains Arleigh. “Everyone can be a part of the overall team, yet they still have the opportunity to build a successful business of their own. Each family member on our team has the same chance to create freedom for themselves and their own families, yet they each fill a role within our overall organization.”
Today, the Larsons are Primerica million dollar earners* and are enjoying the benefits of a thriving business alongside their sons, Brent and Eldon, as well as several other extended family members.
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 April 30, 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.
