Archive for 2012




Daniel & Sandra Pirillo
Toronto, Ontario
Former Occupation: Student
Former Income: $12,000
Primerica Income: $349,863*

The Entrepreneurial Spark
Almost every kid growing up is exposed to some sort of entrepreneurial activity. Whether it’s fundraising sales for school or car washes or even a lemonade stand, experiences like these allow children to see the value of working hard for yourself. For Daniel and Sandra Pirillo, of Toronto, Ontario, those early lessons paved the way – and lit the spark – for their career as Primerica entrepreneurs.

“I grew up in a typical middle-class family,” says Daniel. “My dad worked as a hairdresser and my mom worked as a travel agent. They instilled in me the value of hard work – and of being responsible for my own financial future – from an early age. I always had to work for my income so I started working odd jobs at age 14, anything to earn an extra quarter. My parents taught me the importance of working hard and saving my money – the same principles Primerica teaches. They also taught me that being an entrepreneur was the only way I was going to get what I wanted out of life so when I got older, I started looking for a business opportunity.”

Sandra had a similar upbringing. “I was always doing something to make money when I was younger. We had yard sales, lemonade stands, things like that. My parents encouraged my siblings and I to pursue our interests, and one of mine was being in business for myself.”

Principles In Practice
When Daniel was 20 years old, he discovered the Primerica Opportunity – a moment that fired him up like never before. “My car was broken down when I first joined Primerica and I didn’t have any dress clothes,” recalls Daniel. “But I was going to make this business work for me so I’d take the bus to trainings and appointments and shop the thrift stores and sales for professional looking clothes. I remember once I went to the mall and found a package with a dress shirt, a tie, a tie clip and a handkerchief for five dollars. I was so excited about that!”

He continues, “Sandra and I were dating at the time and we put a five-year game plan in place for where we wanted to be. Primerica teaches you to develop healthy money habits – and a big part of that is living below your means and saving for the future. I was 23 years old when I reached $100,000 in income – a lot of which I put away into savings. Two years later, after Sandra and I got married, we had reached a quarter of a million dollars in income and had bought our first home.”

Worth Everything
Having a growing Primerica income – and a solid habit of living below their means and saving money for the future – has given the Pirillos options in life that they say they never would have had if they worked for someone else. “Our business has given us the freedom and the means to do what we want to without worrying about money,” explains Sandra. “I love that I get to be a stay-at-home mom to our three kids instead of having to miss out on time with them to bring in a second income like many families do.”

She continues “Daniel and I also have a great relationship because we don’t fight about money like many couples do. We don’t need to, because we don’t make decisions based on finances. We choose to do what we want to – like renovating our home and backyard, throwing big celebrations for our kids’ birthdays and even helping our parents out financially – because we’ve followed the principles Primerica teaches.”

Daniel agrees, “What really motivates me is seeing my wife and my kids happy. When they get to do what they want, that motivates me. When I call Sandra at 2:00 in the afternoon and she’s just gotten up from a nap, that motivates me to build our business even bigger. We have freedom through Primerica and that’s worth everything to me.”

*Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of November 2012. 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 2011, Primerica paid a total of $504,514,944 in compensation to the sales force at an average of $5,544 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.



Tags: , , , ,

Posted in Primerica, Representatives |




The holidays are here, and with them comes the tendency to overspend. Here are some tips to help you stay out of the red this New Year’s.

  1. Create a budget. Budget for everything, including cards, stamps, food for parties, decorations, holiday clothing, babysitters and teacher gifts. You may be spending more on non-gift items than you realize!
  2. Discuss the budget with your spouse or partner. Only 55% of people have done this,1 yet consumers plan to spend $750 on holiday gifts and decorations this year2 – a significant amount! (See chart below for spending breakdown.)
  3. Track what you spend. Overspending is so easy this time of year because we tend to lose track of what we have bought. When you write your purchases down as you make them, you’re less likely to overspend.
  4. Avoid the “trinket trap.” Try budgeting for one significant gift per recipient rather than picking up many smaller gifts along the way that really add up (and are harder to track).
  5. Leave cards at home. People tend to spend 12-18% more on average when paying with credit versus paying with cash.3 To avoid overspending, use cash or a debit card. And if you must rely on credit cards, bring only one—it’s easier to track your spending.


  1. “10 Tips for a Debt-Free Holiday,” Atlanta Parent, December 2012
  2. “Shoppers to Remain Conservative With Holiday Gift Budgets This Year,” National Retail Federation,, October 17, 2012
  3. “Credit Card vs. Cash,”, viewed December 5, 2012

*”Shoppers to Remain Conservative With Holiday Gift Budgets This Year,” National Retail Federation,, October 17, 2012


Posted in Primerica |




After making your list and checking it twice, you’re probably ready to start buying gifts for all the special people in your life. But did you know that there are some things that you shouldn’t buy during the holidays?

Here are four items that Kiplinger’s recommends purchasing before or after the holiday season:

  1. Computers – New laptops, computer models and tablets are typically released in October and November. To make room for new inventory, retailers often discount older models in later summer and early fall. Consider making a computer purchase in the back-to-school season to save more money!
  2. Cameras – Some of the biggest electronic trade shows happen in January and February, and new models are introduced at these events. Towards the end of February, you can find older camera models at discounts of 30% or more. That’s the best time to buy!
  3. Jewelry ­­­– The commercials may convince you that all she needs for the holidays are diamonds or pearls,but high demand means higher prices. Save a jewelry purchase for spring (after tax season) or summer (July and August) when there aren’t any big gift-giving holidays.
  4. Televisions – If you’re dying to buy yourself or a loved one a new TV, try to wait until February before making that purchase. Retailers often lower prices on last year’s models before the new models make it to the shelves in March. Some of the best deals can be found in early February, after the Super Bowl.

“12 Things Not to Buy During the Holidays.”, November 2012. Viewed 11 December 2012.
“13 Things Not to Buy During the Holidays.”, 23 November 2011. Viewed 11 December 2012.

1 Comment »

Tags: , , , , ,

Posted in Primerica, Tips |




A recent survey revealed this shocking fact: 40% of Americans have $500 or less in savings. If an emergency were to happen – like a broken washing machine or flat tires – nearly half of the adults in America would be hard-pressed to cover those costs. And that 40% includes people with large 401(k)s and big houses, too!

Looking to change your financial situation? Building an emergency savings is crucial to protecting your family against everyday mishaps – and is a first step in building wealth.

*, October 19, 2012


Tags: , , , ,

Posted in Primerica, Tips |



Anyone who’s lived in Gwinnett County, Georgia, or been involved with Primerica knows that Barbara King was a community legend. In a recent article that appeared in the Gwinnett Daily Post, Ellen Gerstein, the executive director of the Gwinnett Coalition for Health and Human Services, wrote about how Barbara King affected her life. “Barbara King was my hero. She was also my mentor, colleague and friend. She loved business, a champion of economic and community development. I often times wished I could clone Primerica and Barbara, because of the generous support they exemplified for our community.”

Read the whole article here.

No Comments »

Posted in Community, Company, Primerica |