Time for Retirement Plan B.

Are you in your 50s and feel like you

haven’t saved enough for retirement?

Is your “financial plan” to work

another two decades in your current

job – even though you don’t want to?

Start Working on Retirement Plan B.

Doug Owens said he “wasn’t even thinking about finances or anything like that” when he first heard about Primerica at age 50. But after completing a Financial Needs Analysis (FNA), Doug realized that if he stayed on his current financial path, he would be 78 before he could retire – even after a 26+ year career with the Air Force and with a $200,000 a year defense contractor job. “That’s when I saw the value of the FNA,” Doug recalls. “I knew a lot of other Baby Boomers who had really messed up their finances. I figured I could help others, and I needed a backup plan.” Doug joined Primerica part-time, thinking of it as a “spare career” in case he got laid off.

With part-time income and a goal of going full-time with his Primerica business—and becoming financially independent by age 62—Doug and his wife started aggressively paying off their debts. In just five years, the couple paid off $400,000 in debt including their home—and in 2013 Doug retired from his defense contractor job to focus exclusively on his Primerica business, which currently earns him $62,241 annually.1 “My other career would wear me out; this one gives me energy,” Doug enthuses. “It’s great because if I want to work I can, but if for some reason I can’t, we’ll be fine.”

My other career would wear me out; this one gives me energy ...

“”

Doug & Mary OwensColorado Springs, CO

When you’re in your 50s and don’t have decades to accumulate a retirement fortune, what do you do? Many financial experts suggest launching a side-business. For example, start a part-time Primerica business* helping families with their finances, and within a few years you could create an income stream that could make a real difference in getting you on track for retirement.

At Primerica, we offer Main Street families the chance to save money on the financial products they need, which they can then use to become properly protected through term life insurance, get on track to becoming debt free and begin saving toward financial independence. Primerica offers solutions in just about every area, which gives you the opportunity to earn a great potential income from multiple lines of business. And the more you earn, the more you can save to meet your retirement goals.

* In Canada, part-time is not available in all jurisdictions. Where available, may be subject to certain restrictions.

Managed Accounts provides an opportunity to positively impact your client’s retirement prospects, and can also provide you, as a licensed rep, with a great potential income stream!

Take a look a look at how your income could grow along with your Managed Accounts Assets Under Management!

$500,000

$2,162

$2,625

$3,829

District Leader Income

Regional Leader Income

Regional Vice President Income

Did you know? Ten or 15 years may not be

enough time to build a big retirement portfolio, but it’s more than

enough time to develop a new income stream.

{ }

Managed Accounts Assets Under Management / Annual Income Potential*

*This is a hypothetical illustration. Applicable taxes are not reflected. Representatives are responsible for their own business expenses. Examples assume current AUM amount is maintained (any withdrawals are offset by an equal amount of contributions). Assumes annual growth rate of 6%, average advisory fee of 1.446%, compensation paid to the hierarchy on 1.196% commissionable fee and RVP commissions at 62% level. Growth rate is a constant rate of return, actual investments will fluctuate in value. The stated examples are not intended to demonstrate the earnings of typical representatives. Rather, they have been cited to reflect the potential that comes with building a business through Primerica Advisors. There is no guarantee that you will achieve any specific income level. The company may from time to time modify, supplement or terminate any compensation in any manner. As of September 2014, Primerica Advisors have over $1.3 billion in assets under management and over 1,303 Series 65 licensed representatives for an average of $997,697 in assets under management per representative. Primerica Advisors would pay annually $10 million in total compensation for an average of $7,676 per licensed representative. Not available in Canada.

$1 million $3 million $6 million

$4,326 $12,989 $25,985

$5,253 $15,773 $31,553

$7,663 $23,010 $46,030

Managed Accounts Assets Under Management / Annual Income Potential*

*This is a hypothetical illustration. Applicable taxes are not reflected. Representatives are responsible for their own business expenses. Examples assume current AUM amount is maintained (any withdrawals are offset by an equal amount of contributions). Assumes annual growth rate of 6%, average advisory fee of 1.446%, compensation paid to the hierarchy on 1.196% commissionable fee and RVP commissions at 62% level. Growth rate is a constant rate of return, actual investments will fluctuate in value. The stated examples are not intended to demonstrate the earnings of typical representatives. Rather, they have been cited to reflect the potential that comes with building a business through Primerica Advisors. There is no guarantee that you will achieve any specific income level. The company may from time to time modify, supplement or terminate any compensation in any manner. As of September 2014, Primerica Advisors have over $1.3 billion in assets under management and over 1,303 Series 65 licensed representatives for an average of $997,697 in assets under management per representative. Primerica Advisors would pay annually $10 million in total compensation for an average of $7,676 per licensed representative. Not available in Canada.

If your Plan A means retirement is further away than you’d like – and you need more income to get back on track – consider launching a Primerica business today. Build it up so that you can be self-sustaining by the age you want to retire. Developing multiple income streams is an excellent way to boost your income to the point where you can actually retire – and starting a Primerica business is an excellent way to make that happen.

If your plans for retirement aren’t working out quite the way you had hoped, would extra income help you get back on track? If you become a Representative with Primerica, you could create long-term relationships with clients – including fellow Baby Boomers – as you assist them with their financial needs. Depending on the licenses you obtain (life, securities, investment adviser, etc) and the level you achieve with the company, you can create the potential for an annual income for yourself that could help you get your own retirement plan back on track!

Would Extra Income Help Your Retirement?

Did you know? The 55-plus entrepreneur is

twice as likely to succeed as those ages 20-34.

(Money, May 2013)

{ }

© 2013 Primerica / A9233 / 49071 / 12.14 / 13PFS273-4

www.primerica.comwww.primericacanada.ca

Benefits of a Primerica business:

• Work you can feel good about• Keep your current job while launching a

business2

• Easy to run the business past retirement age• Start a business now = income for retirement

Who we are:

• Largest independent financial services marketing organization in North America

• Listed on the New York Stock Exchange (PRI)• Rated A+ by A.M. Best

While most financial services companies ignore Main Street families and focus on the wealthy, at Primerica we help middle income families gain the tools they need to achieve financial independence and conquer the vicious cycle of debt. If you want to create a better life for yourself and your family while making a difference in households that really need help, Primerica may be the place for you.

1 From January 1 through December 31, 2013, Primerica paid a total of $536,506,140 in compensation to its sales force, at an average of $5,614 per life-licensed representative. 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 a representative and their downlines. Having said this, Primerica provides an opportunity for individuals who work hard to develop a business with unlimited income potential. 2 Subject to regulatory and internal Primerica suitability guidelines.

Appropriately licensed Primerica representatives may offer certain products or services, which include: In the United States (except in New York), term life insurance products are underwritten by Primerica Life Insurance Company, Executive Offices: Duluth, GA. In New York, term life insurance products are underwritten by National Benefit Life Insurance Company, Home Office: Long Island City, NY. In Canada, term life insurance policies are underwritten by Primerica Life Insurance Companies of Canada, Home Office: Mississauga, Ontario.

In the United States, securities are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, GA 30099-0001. Advisory services offered through PFS Investments Inc., dba Primerica Advisors. Variable annuities are offered from MetLife Life and Annuity Company of Connecticut.

Representatives who meet necessary requirements may also be able to offer or refer clients to other products and services available through third party providers. Not all products or services are available in all jurisdictions or states. The products and services your Primerica representative may be able to offer also may be limited. Available products must be applied for and purchased separately.