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Fundamentals Series

Fundamentals Series. Compensation. What We Do. Term life Insurance Investments Variable Annuities Refinance Mortgages Debt Re-Structuring Long Term Care Legal Protection Auto & Home. T. itle. Life. Mutual. Smart. Pre Paid. Long Term. Variable. Auto/ Home. I. n. surance.

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Fundamentals Series

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  1. Fundamentals Series Compensation

  2. What We Do Term life Insurance Investments Variable Annuities Refinance Mortgages Debt Re-Structuring Long Term Care Legal Protection Auto & Home

  3. T itle Life Mutual Smart Pre Paid Long Term Variable Auto/ Home I n surance Funds Loans L e gal Health A n nuities REP 25.0% 30% 0.30% $50 6.8% 30% $50/25 SR.REP 35.0% 32.5% 0.30% $60 10.54% 32.5% $52/27 District 50.0% 35% 0.30% $80 13.6% 35% $55/29 Division 60.0% 37.5% 0.30% $90 17% 37.5% $57/31 Regional 70.0% 42.5% 0.30% $100 20.4% 42.5% $60/33 R.V.P 95.0% 62% 0.60% $125 27.2% 62% $85/42 1 Gen 14.5% 6.1% 0.04% $10 3.4% 6.1% $2/1 2 Gen 5.5% 2.6% 0.0% $7 1.53% 2.6% $1/.5 3 Gen 4.5% 1.7% 0.0% $4 1.19% 1.7% $.8/.4 4 Gen 1.5% 1.3% 0.0% $2 .41% 1.3% $.5/.2 5 Gen 0.5% .8% 0.0% $1 .14% .8% $.1/.05 6 Gen 0.5% .5% 0.0% $1 .14% .5% $.1/.05 How We Get Paid.(ALWAYS SEE POL for latest comp details)4/2010

  4. Representative $1,000 x 25% $250 Annual Total x 75% $187.50 Advanced Pay District Leader $1,000 x 50% $500 Annual Total x 75% $375.00 Advanced Pay Primerica Life Balance of $62.50 to be paid in three payments in the 10th 11th & 12th month. (As Earned) Balance of $125.00 to be paid in three payments in the 10th 11th & 12th month. (As Earned)

  5. Representative $25,000 Investment x .05% Dealer Re-allowance $1,250 x 30% Commision $375.00 District Leader $25,000 Investment x .05% Dealer Re-allowance $1,250 x 35% Commision $437.50 PFS Investments

  6. NEW! DEBT WATCHERS

  7. WHY RVP? The Following slides include Additional Compensation for being an RVP! WE GET PAID TO BUILD D I S T R I B U T I O N!!!

  8. RVP COMPENSATION The RVP Base Shop Bonus: RVPs can qualify for one of THREE levels that pay those who grow their base shop: 15% for producing at least $5,000 in base shop gross bonusable premium 20% for producing at least $10,000 in base shop gross bonusable premium 30% for producing at least $30,000 in base shop gross bonusable premium

  9. EXAMPLE An RVP doing $10,000 base shop gross premium X an assumed 70% QBI X 20% = $1,400 bonus! An RVP who grows it to $30,000 base shop gross premium X an assumed 70% QBI X 30% = $6,300 bonus!

  10. New RVP Bonus Qualifications The $5,000 Submitted Base Shop Gross Bonusable Premium requirement will be waived during the firstfourmonths after a new RVP is advanced. New RVPs will receive a 15% Base Shop bonus on their actual Submitted Base Shop Net Bonusable Premium if the Gross Bonusable Premium is less than $5,000. They will receive a 30% Base Shop bonus if the Submitted Base Shop Gross Bonusable Premium is $5,000 or above!

  11. 15% RVP Builder’s Bonus: More RVPs, More Bonus! RVPs who focus on producing strong 1st generation bonusable RVPs will reap the benefits. RVPs can qualify for a 15% bonus paid on each 1st generation RVP who qualifies for the base shop bonus: Produce $10,000 in base shop gross bonusable premium Qualify for a 15% bonus paid on the net bonusable premium of each 1st generation RVP who produces a minimum of $5,000 base shop bonusable premium

  12. 20% SVP Builder’s Bonus: The SVP Builder’s Bonus pays those who prove they can build! You can qualify for a 20% bonus: Produce $10,000 base shop gross bonusable premium and $50,000 thru 1st gross bonusable premium — OR produce $100,000 thru 1st gross bonusable premium with no base shop requirement Qualify for a 20% bonus paid on the base shop net bonusable premium of each 1st generation RVP who produces a minimum of $5,000 base shop gross bonusable premium. Goal: Become a leadership factory!

  13. 30% SVP Super Builder’s BonusThe SVP Super Builder’s Bonus pays those who are building something really big! You can qualify for a 30% bonus: Produce $30,000 base shop gross bonusable premium and $75,000 thru 1st gross bonusable premium — OR produce $2,000,000 12 months cash flow and $100,000 thru 1st gross bonusable premium Qualify for a 30% bonus paid on the net bonusable premium of each 1st generation RVP who produces a minimum of $5,000 base shop gross bonusable premium. Goal: Build leaders like never before!

  14. NSD Bonus Top Leadership, Top Bonus! Produce $10,000 base shop gross bonusable premium and $100,000 thru 2nd gross bonusable premium — OR produce with $200,000 thru 2nd gross bonusable premium with no base shop requirement Qualify for 5% paid on your net bonusable premium thru 2nd Goal: Build it bigger and become an SNSD

  15. SNSD BonusUltimate Reward, Ultimate Super Builders! Produce $250,000 thru 3rd Qualify for 2.5% paid on your net bonusable premium thru 3rd Goal: Tap into the momentum — there are no limits to how big you can build it!

  16. RVP Builders Track Bonus Calculation. The cumulative Qualifying Score of the New Representative as of the production month end when the bonus is calculated determines the bonus rate (“Bonus Rate”) for the New Representative, the First Qualified Upline and the RVP. The applicable Bonus Rate is determined from the below Bonus Rate Chart. Then, to calculate the Builders Track Bonus for the New Representative, the First Qualified Upline and the RVP, their applicable Bonus Rate is applied to the New Representative’s personal Net Bonusable Premium for the bonus month. A minimum Score is, however, required to participate in the bonus, as the chart reflects.

  17. RVP Builder’s Track Bonus BONUS RATES Builders Track Scoreboard Points New Rep % 1st Qualified Upline % RVP % 50,000 – 54,999 10 5.0 10 55,000 – 59,999 11 5.5 11 60,000 – 65,999 12 6.0 12 65,000 – 69,999 13 6.5 13 70,000 – 74,999 14 7.0 14 75,000 –79,999 15 7.5 15 80,000 – 84,999 16 8.0 16 85,000 – 89,999 17 8.5 17 90,000 – 94,999 18 9.0 18 95,000 –99,999 19 9.5 19 100,000 + 20 10.0 20

  18. RVP Securities Production Bonus (U.S.) The RVP Securities Production Bonus is a quarterly bonus payable to the top 500 RVPs based on combined U.S. securities production. Each of the top 500 RVPs for the quarter will receive a bonus based on his or her Qualifying Production compared to the total Qualifying Production of all of the top 500 RVPs.

  19. RVP “End of Term”Bonus Qualification and Calculation The monthly bonus is calculated as a percentage of commissionable premium for continued and converted coverage. The bonus percentage increases as the percentage of policies continued or converted increases. Typically, the bonus is calculated in the 3rd month following the policy renewal date and paid in the next month. Qualification To qualify for a bonus in a particular month, an RVP must have each of the following: • A minimum of 5 policies that have reached the end of the term, i.e., the policy anniversary(“Qualifying Policies”). If the RVP has less than 5 Qualifying Policies in a given month, those Qualifying Policies will be “carried forward” to the succeeding months' policy count for up to 5months following the policy anniversary (for a total of 6 months) until there is the minimum of 5 Qualifying Policies. However, once a policy is included in the policy count for a month in which the minimum of 5 policies is met, that policy will not be included in any future months‘ policy count (without regard to whether any bonus was paid). • A minimum of 50% of the Qualifying Policies for that month (including those Qualifying Policies that have carried forward) must be continued or converted for a bonus to be payable. • For a Qualifying Policy to be included it must be active and paid current at the time of the bonus calculation. Policies are grouped by the month in which the policies will renew based on the policy anniversary date.

  20. PLPP “Personal” Bonus 1st Place = $500 2nd Place = $400 3rd Place = $300 4th Place = $200 5th Place = $100 Paid as a Monthly Bonus!

  21. OSJ COMP BONUS

  22. So…What is the company REALLY paying us to do?

  23. BUILDD I S T R I B U T I O N!!!

  24. Paycheck Cycles

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