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
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.
He’s smart, charismatic and was born to play in the “big leagues.” She’s smart, beautiful and a partner with her head in the game. Meet Collis and Britney Temple — just two of many young Primerica entrepreneurs who believe they can have it all — and are proving they’re in it to win it.
“I didn’t want to get a ‘job’ and I never wanted to work for someone else,” Collis says. “My parents have always been entrepreneurs. They set a great example for me.”
Collis, a 30-year-old from Baton Rouge, LA, is a born competitor. He graduated from Louisiana State University in three years, and was already working toward a Ph.D. He was a star player on LSU’s winning basketball team and had a bright future ahead of him in the NBA playing for the Detroit Pistons before a pre-season injury changed the course of his future.
For most people, the loss of a pro basketball career would be devastating … unless you had the true mind of a champion like Collis. He rebounded — in a very big way. He joined Primerica and made the decision to become an entrepreneur.
Collis saw that with Primerica, he’d still have the opportunity to live the lifestyle he’d always dreamed about and could still tap into his competitive spirit and be a winner. “I knew immediately that Primerica was what I wanted to do for the rest of my life,” he says.
With the same work ethic and focus that kept him on top in class and in sports, Collis’ fierce competitive spirit rose to the forefront. He built a successful Primerica business and was living his new dream.
A couple of years later, he met his match: Britney. “Britney owned a modeling agency and had moved back to Baton Rouge from Chicago to establish her business,” recalls Collis. Once she learned more about Collis and his Primerica business, Britney didn’t hesitate to join the business.
“Learning about Primerica was surreal,” says Britney. “I graduated from college with a degree in finance and had interned at a big finance company. I wanted to study finance because I grew up with a single mother who struggled financially to raise two kids.
“I wanted to learn about money and change my family’s legacy. I believe the company I interned for wouldn’t have anything to do with you unless you had a large amount of money to invest,” she remembers. “Primerica helps middle market families learn how to become financially independent. What they do for everyday families blew me away. I knew I wanted to be part of this.”
Being able to partner and grow a business together with Collis was another deciding factor in joining Primerica. “Partnership is everything,” Britney enthuses. “I’ve played competitive sports and worked in corporate America — both encouraged me not to work with someone but to work against them.
“Our business has grown because we work together,” she says. “It’s the key to success in any business but few companies actually realize and utilize partnership.”
Collis and Britney’s partnership has made them more successful and competitive than ever. They’ve aligned their goals and are on their way to fulfilling their dreams.
“The opportunity here is unlimited,” Collis says. “The younger you are, the more focused you can be. As long as you’re coachable, focused and put the effort in, you can collapse timeframes and realize success much sooner than you ever could in the corporate world.”
In early 1999 I found myself in a very frustrating situation. I was 29 years old. I was working extremely hard as a fiber optics salesman… and I was broke. My wife and I had been married for over six years. We’d just had our first child, whom we were thrilled about, however, when it came to work, money and time, we were struggling. We started praying for a better way.
My wife received a phone call one evening from a lady she had met recently. She said that she was in training with a company that was expanding, and that we should take a look at it. She said this company, Primerica, might be able to help us. We decided to meet up with her and see what this company was all about.
Neither of us had ever even heard of Primerica and I admit we were skeptical. After about 30 minutes into our meeting with the Primerica reps, I began to realize that what they were saying actually made sense. They spoke about developing “a written program to monitor and eliminate debt, term life insurance being the foundation to your financial house, and the basics of successful investing.”
At 29, I’d never been taught these principles before. I never finished college and I had no experience with “financial stuff.” He assured me that they could help educate us about our finances. The first step would be to fill out a Financial Needs Analysis (FNA) and based on where we stood financially and what our goals were, we would see what could be done.
We met again two weeks later and went through the results. It was simple: Follow a plan to pay off credit card debts, put some term insurance in place to protect my young family (we had no insurance at that time) and find a way to make more money. They said that Primerica would teach us how to do all of the above. They would even offer us an opportunity to start part-time and show us how to build a business by teaching other people what they taught us.
I guess we were just so eager to change our lives we believed them. We paid a small start-up fee, started the training process, and moved forward in faith.
Now it’s 10 years later and I’m 40 years old. I can’t help but think about how different my life could’ve turned out.
What if I hadn’t agreed to that appointment? What if I trusted my initial skeptical feelings? What if I’d listened to several friends who insisted Primerica had to be a scam? What if I believed Internet chat rooms, unregulated Web sites, and less than credible sources?
Well, my family’s life would be a lot different. See, what’s happened in the past 10 years is that we have grown tremendously — as people and as leaders. We have built amazing friendships. We’ve helped thousands of families get back on track financially. We are financially independent and have been able to give away more money each year than we used to earn before Primerica. The opportunity turned out to be a bigger blessing that we could have ever imagined.
Primerica helps Royce enjoy the riches of family, relationships and people. Watch the video to find out how Primerica helps him “have it all.”
We now have seven offices across upstate New York and many great people working with us. We love what Primerica does for families and we love the freedom we now have. We don’t punch a time clock. Each day is our own. I’ve spent countless mornings with my children. When my son turned one, I took each Friday off and we spent the day together. We did that for four years until he went to kindergarten.
We’ve traveled together as a family to so many amazing places all over the world, and created lifelong memories. My children are so much more confident because of the “family” business. We just returned from a trip to Montreal together where we spoke to over 500 people about changing their lives through this great opportunity.
The most amazing part about that is that my 11-year old daughter spoke in that meeting about how the business has impacted her personally. Imagine an 11-year old speaking to 500 people with confidence and grace so she could impact their lives. The list of benefits of winning in Primerica is extensive.
I have found tremendous success with Primerica and so have countless others. But that is not to say that Primerica is easy. It is not a “get rich quick” scheme. It would be ridiculous to think so. But to say it is a scam, or a pyramid, is far more ridiculous. My life is proof that it is real, and there are thousands of other people around the world who would laugh just as hard at the thought of Primerica being called a scam.
The Federal Trade Commission doesn’t call Primerica a scam. Neither does the Better Business Bureau, FINRA or any of the other regulatory agencies in this country. I encourage you to check the facts and to get your information from these credible sources.
I am living proof that Primerica is real. I was a skeptic who is now a successful businessman with the freedom to live the life of his dreams. There are a lot of scams out there you should be aware of. Primerica is not, and has never been, one of them.
I think we have to create our own experience in life, and we have to move forward in faith. When we do that, put forth an honest effort, and do the right things long enough — only then can we look back and really see the “real picture.”
