“You can get everything in life you want, if you help enough other people get what they want.”

As most people want to be financially independent, I know that the more people I can help reach that goal, the more success I will see. The next question is, “How do I help all the people that need help financially?” Only about 5% of the US population ever achieves financial independence these days. There are so many people that need help and I can only meet with so many people a day. How do we solve this problem?

Recruit, train, license and develop people. Simply put… Duplicate yourself. The more “Me’s” I have out there, the more people I can help. This is referred to in the business world as increasing your distribution.

If one of these people wants to become a big leader in the company, GREAT!!! We will help them get there. For those that only want to have an extra $1000-$3000 per month in income, GREAT!!! We will help them get there.

Again, “You can get everything in life you want, if you help enough other people get what they want.”

Why is it you say “Blindly work the system and it (the incomes I mentioned before) can happen”? In anything in life that a person wants to accomplish what sounds like a better idea? Go out and just try to make things happen or get a coach/mentor/teacher/counselor that has achieved what you want you want to accomplish?

When climbing a mountain, would you rather try to figure it out yourself or would you prefer to have a guide that has climbed up and down the mountain a few times? Most would agree that the safest and most likely chance of success in reaching the top is going to come with having a guide. In climbing that mountain the guide is going to advise you to do things that you may not have thought to do and may not feel comfortable doing. Most will heed that advice. That is not “blindly” following advice, that is trusting the guide’s experience. That is called being coachable. The hardest part about being coachable often times is doing those things that are uncomfortable. When I climbed Mt. Adams (a pretty gentle mountain in terms of mountain climbing), I saw so many people coming down the mountain and I would ask them how it was at the top. You can always tell which ones didn’t make it. They have a tone of relief rather than of accomplishment. For most, the climb is too uncomfortable. Out of our group of 15. Only four of us made it to the top. The rest turned back along the way.

The same is true in Primerica as with any business. If you want to achieve the level of success of a person, heed their advice in how to build your business. If the RVP, SVP, NSD or SNSD you are being coached by doesn’t have what you want, then move on to one that does. When you find the leader that has what you want then stay there and follow their guidance. The likelyhood though is they are going to ask you to do things that make you feel uncomfortable. Things you have never done before. They are going to push you and stretch you and expose your weaknesses. But if you are not coachable, it is all for naught. “When the student is ready, the teacher will appear.” (can’t recall who said it, sorry) The funny/sad thing about that saying is that the teacher has likely been there all along, but it is not until the student is ready to learn that they actually see the teacher.

What is the “end result” you are referencing? Client examples? If you are talking about client examples, I am pretty sure that is a “no fly zone” as that would be a testimonial for investments. Are you talking about advertising BTID on TV and print? If I talk about TV personalities that are already talking about it then somebody is going to chime in about how ridiculous those people are. Maybe it doesn’t need more talk. Maybe it needs more doing. More agents sitting down with clients showing how it works and getting people started rather than the megaphone of the media.

But then everyone knows agents and companies don’t make nearly as much money with a term policy as they do with all the different types of cash value policies out there. That would be a pretty big sacrifice and change for a lot of people in the industry in the short term.

It seems no one ever talks about the end result. ALW/PFS has been around for over 30 plus years..Who know s how many millions of clients. With this down economy and the concept of BTID there should be massive promotions going on about the success of the concept.

As for the incomes. Blindly work the system and it can happen. This is a great way of looking at things going forward. “I’m beyond the point of caring if PFS agents are willing to educate themselves or not.” (From Russell)

PFS isn’t going to change unless they change the system. If they are making money why should they? Which is it? Client first or making the first million?

Thank you for pointing out the obvious about Art. A lot of people were going to be confused and stuck on that issue had you not cleared that up. Whew!!!

And you can serve clients of all ages? Really?! How is that possible? Younger people and older people need financial advice? Man I wish somebody would have told me that sooner. This is like a revelation to me! I mean I saw requirements that you could have an IRA account as early as 18 but I didn’t realize that anybody out there would actually do such a thing. And the variable annuity we offer through Metlife… I was sure that was just listed there to add a line to our product list to make it look longer. Come on Russell. 25-55 is a target market. Just because a person is not in the target market doesn’t mean we won’t/can’t help them.

If you think changing that client to a policy with one of your shiny new companies is what’s best for the client then do it. As your number one priority is the client, that is what you should do. I tend to think they would be better off keeping it with Primerica, but I am biased so who am I to talk?

As for making money, Bruce Caulk, a new $1 million earner in the company said it best in a quote (unfortunately I don’t know who he was quoting). He said, “You should aim to make a million dollars in Primerica not for the money, but for the type of person you become.” Do I need to explain what this means? Let me know. Here’s another thought provoking quote from Mr. Zig Zigler in his book “See You at the Top”: “Almost without exception you can measure a person’s contribution to society in terms of dollars. The more he contributes the more he earns.” If anyone wants to understand the full context of what Zig was saying, you should definitely pick up that book.

As there are over 100,000 licensed reps in the company, the absolute largest financial services marketing company in the country, I think it is safe to assume that at least one or two have mentioned a client look into getting some disability coverage within recent history. As that is not a service we provide currently, our clients should seek that coverage with a company that does. With all these IPO changes coming, who knows? Maybe disability and medical are headed our way! We’ll see. Personally I would be happy if it was a simple referral service like our Home and Auto Insurance program.

I was waiting for your advertising paragraph because you love to do this in all your posts on this thread. It is slightly shady though, bashing Primerica to the tune of objective advice and then inserting your email address for a possible personal gain/recruit. I am guessing you aren’t trying to help people reach their financial destinations, but rather you are more the type that is helping build wealth. (Sorry for the bad humor. I couldn’t resist.) Say “hi” to Barney as well. Apparently Primerica wasn’t his thing either. The company is still small enough that you probably know him.

Why are you so bitter towards RVPs? If you were a Regional Leader I would assume you knew about the benefits of taking your RVP promotion. That is if you had a well diversified business. So what happened?

I’ve never said a person can’t make money as a PFS agent, however a PFS agent can’t do the right thing for all of their clients 100% of the time. Think about it – the market is well, 25 – 55 when I was there, however I recently hear an agent say the PFS market is 25 – 45. Regardless the market is limited. As an independent agent, I can service clients of all ages.

I sold a PFS policy about 3 years ago, just before I left. Today, I can still sell a policy to this individual for less money per month with a new 15 year term for less money than what they are currently paying assuming they have the same rating class and 3 years older. Plus a policy with more options at the end of the term as well.

Being in the business of financial services isn’t all about the agent making a ton of money. What about the client? When was the last time a PFS agent spoke to their client about an income stream risk greater than death in many instances? Yes, I’m speaking of disability.

Yes, funds can be good for some clients. However not for all clients. I’m beyond the point of caring if PFS agents are willing to educate themselves or not. If they wish to walk around with their head in the cloud and pretend like they know everything about insurance and financial planning, then let them go ahead and do it.

Logic can’t argue emotion. Anyone ready to become knowledgable, work hard, gain access to multiple carriers, multiple product lines and the training and support to build a business where they can earn real income on their production as well as the production of others, then I know the system beyond PFS.
It isn’t that people aren’t willing to work. It is simply that it only makes sense to work in a system that properly rewards them for their own productiont as well as their leadership. Why place yourself in a box? Why not expand horizons? I just can’t count the number of times I heard the question, “Are you opportunity minded?” Somehow PFS RVPs think the opportunity train stops at their door.. NEWSFLASH – it doesn’t !

http://online.wsj.com/article/SB10001424052748704486504575098070564793184.html?mod=WSJ_Deals_LEFTTopNews

What I find comical is that while some like Answer This, Russell and (yes even you) TFB claim to be just “telling it like it is”, or “giving your honest opinion” or however you want to put it; you all do the same thing. You try to point out every possible reason (factual or theoretical) why a person can not be successful in Primerica. Or how Primerica reps are getting the short end of the stick. Meanwhile there is person after person succeeding in this company. Who you may ask? The ones that WANT to!

Joe Ward in Chicago has been in the company for 13 years. For the first 11 years he worked hard, but didn’t build his business right. He had big months but it wasn’t consistent. In his 11th year his income was $13,000. He realized he needed to make a change at last and now in his 13th year he is about to hit the $300,000 mark (12-month income).

Salai Thang is an up and coming star. He is working out of Maryland and is from Burma. He started with Primerica 6 months ago. I have heard this guy speak and he literally can not speak a straight sentence of English. Yet he goes out and works hard. He has already made between $40,000-50,000. Over $26,000 of that was done in the last 2 months! His reason for working as hard as he does? He is providing for his family in Burma. If your reason to succeed is big enough, you will do what needs to be done!

Brandon Neil in Utah made it to $1 million in 12-month income in 7 years BEFORE HE TURNED 30.

Shakil Islam started when he was 23 and set a record for being the highest paid new RVP when he made +$250,000 in his 1st year as an RVP 4 years later.

We all know Art Williams story. If not, read the book Coach.

How many of these people do you think complained about the qualms of “being a captive agent” (-TFB)? How many of these guys do you think had the mentality of “Why should only RVP’s and above get special preference on stock purchase? Are [we] not one big family? At some point agents are going to ask themselves the question, what about me” (-Answer This) How many of these guys do you think are wondering if they need to “seize the opportunity to reach for freedom, expand their understanding and learning about [the] insurance industry” (-Russell)?

There is going to be adversity and trials anytime you try to become successful. You can either be a SPECTATOR/COMMENTATOR on the sidelines talking about how difficult it is to get to that level or you can work hard to prepare for and overcome the obstacles and become a PLAYER. Players don’t see obstacles and complain. Players look at obstacles with determination and excitement. Between players and commentators, who has really accomplished something significant?

And the best way to become a player? Get a good coach! Plug in to an office where people are reaching the level of success you want to achieve. In Primerica, that may mean the office closest to you is not the best office for you. You may have to drive a little further or you may have to move. What is the price of success for you? What will you pay and sacrifice to get to your dreams?

This IPO is going to be a wealth builder for anyone willing to work hard to position themself for the down-pour of wealth. The important question is “Are you going to be out there alone trying to catch as much as you can or are you going to bring other people with you?” Like what Warren Buffett said: “When it is raining gold reach for a bucket not a thimble”.

Directly with PPL if an associate dies they can just pass the business on to the spouse. PPL associates have ownership after being an associate for 12 months.

What happens to the business generated by the sales of PLPP in the case of an agent death? Just for a minute forget the product and consider the contracts. Bypass The Middle Man. one more thing, get this. At PPL directly the spouse can be included in the associate agreement under the same associate number.

This isn’t a promo for PPL, it’s just information.

PFS just won’t change or allow the agents to change. As for the part-timer who is just looking to make some monthly income they could do better going directly with Pre-Paid Legal rather than marketing the plans through Primerica. Directly with PPL they could get paid daily, earn renewals, build nationwide and in Canada and have ownership after 12 months. Now the kicker no underwriting and no licensing in most states and provinces.

All it take is a bit of information and then do a comparison. Watch the Pro-PFSer’s will come back and defend the company and not their business interest.