Primerica

Posts Tagged ‘freedom’

Apr

19.13

primerica-defeo

Dan & Kate DeFeo
West Bridgewater, MA
Former Occupation: Mechanic/Student
Former Income: $10,000
Primerica Income: $575,455*

Nothing But the Best
A few years ago, Dan and Kate DeFeo, of West Bridgewater, MA, were like many young couples. They worked average jobs – Dan as a mechanic and Kate as a social worker – and often struggled financially. “We lived in a 400-square-foot apartment on the second floor of an old farmhouse,” recalls Kate. “The bathroom was so tiny you practically ran into the toilet just stepping through the door. The shower was a 3×3 foot stall. Our ‘living room’ was just a small room with a kitchen so Dan bought this horrible couch for something like $25 to divide it into a living area and kitchen.”

Dan continues, “It had one small bedroom and no air conditioning. We finally bought a window unit but it didn’t really work – so it was hot in the summer. Kate drove an old stick shift car with vinyl seats and no air conditioner so you can imagine how that was in hot weather!”

Like a lot of people, the DeFeos had a deep desire to “be somebody” and to create the kind of lifestyle that would allow them to give their future family the best life possible. But they just didn’t know how. That’s when they heard about the Primerica business opportunity.

Life On Your Own Terms
One of the most compelling things about being a Primerica entrepreneur is having the chance to create the kind of income and lifestyle that you want. Here, your success is entirely up to you – how big you grow your team, how many families you help and how strong your determination to change your life is.

The DeFeos weren’t short on the latter – and their lifestyle today is a testament to not just their work ethic, but also their desire to give their children the best life possible. “When we joined, we were really excited about the possibility of making a lot of money and getting free,” says Dan. “Today, we are still amazed that we have the kind of life that we do!”

The Best of Everything
Dan and Kate have come a long way since their tiny starter apartment. They enjoy a comfortable lifestyle in a 5,500-square-foot, three-story home with a large back yard. But more than the material, their Primerica income gives them options for their family that they never would have had without this business. “The most exciting thing to us about our life because of Primerica is we have complete freedom,” reflects Kate.

She continues, “We no longer have to make decisions for our family based on money. We can give our three kids the best of everything. In fact, my favorite example is when our youngest was born. She developed Respiratory Syncytial Virus and became very sick. I took her to the doctor and they told me she needed to be admitted to the hospital. Because we have been able to purchase the best insurance policy for our family, I was able to take our daughter back to the nice hospital in Boston where she was born and had immediate access to the emergency doctors, with no waiting. That’s just one way Primerica has changed how we live.”

Dan adds, “When our kids want to do some activity, we can afford to give them the best. When you don’t have to make decisions based on money, you can give the people you care about the best of everything!”

Living Free
Primerica is about freedom. It’s why we educate our clients to make better financial choices and it’s the reason entrepreneurs like the DeFeos work so hard to build strong, independent businesses. “I hated going to my mechanic’s job every day and working for someone else,” reflects Dan. “I hated being under someone’s thumb. But here, Kate and I are free. We get to make our own schedule. We get up every day and choose what we want to do. It’s not just that our income allows us to give our family nothing but the best. It’s having the ability to call our own shots in every aspect of our lives. Freedom truly is priceless.”

*Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of September 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.

12PFS606


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Mar

28.13

tonia-poe

Tonia Poe
Irwindale, CA
Former Occupation: Probation Officer
Former Income: $60,000
Primerica Income: $187,622*

Living In the Moment
Life is made up of a million little moments. And each of those moments offers a unique opportunity to make a decision that can change your life. For Tonia Poe, of Irwindale, CA, stumbling across the Primerica business opportunity has taken her down a path she never expected.

“My daughter and I were living with my parents in Compton, CA, in the home I grew up in,” Tonia recalls. “I wanted to move out on my own, but my salary as a probation officer didn’t give me a whole lot of options. Primerica really found me at exactly the right moment because I needed a way to take back control over my own future.”

She continues, “About a year after I joined the business, I took a leap of faith and quit my full-ime job to come full-time in Primerica. It was a decision to rely on myself, not an employer, to provide for myself and my daughter.”

The Little Things
She continues, “Before Primerica, I was like most people. Every decision I made was based on money. That’s what’s changed the most for me because of this business. Little things – things you don’t even think about until you’re in the moment, like choosing, based solely on the cost, between a generic and a brand name at the grocery store. Or picking the cheapest pack of gum at the checkout instead of the kind you’d prefer. To me, those little things are the most profound changes about my life now compared to my life before.”

“You Can Do That In Primerica”
Tonia’s life today is completely different than it was before she became an entrepreneur. That moment of personal crisis that sparked her need to take control of her own future has blossomed into a growing business – and a whole new mindset. One moment and Primerica changed everything. “My life is completely different in every way because of Primerica,” says Tonia. “Most of all it’s my mindset that has changed. Money isn’t at the forefront of my mind like it used to be. One of my favorite moments so far in this business is when my old car broke down while I was driving it, for the last time. I didn’t even think about it – I just drove myself to the dealership and left that night with a new car.

“If that had happened while I was still working as a probation officer, that whole experience would have been filled with stress – how would I pay for repairs? Where would I get the money for a down payment on a new car. But because of the financial principles I’ve learned and put into practice and because of the income I’ve earned through Primerica, I didn’t give it any thought. I needed a new car and I bought one. It’s hard to live like that working for someone else. But you can do that in Primerica.”

*Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of September 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.

12PFS606


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Posted in Opportunity, Primerica, Representatives |

Feb

27.13

primerica-carreon

Susan & Art Carreon
Riverside, CA
Former Occupation: Sales Representative
Former Income: $16,000
Primerica Income: $492,161*

Finding a New “American Dream”
Before they found Primerica, Susan and Art Carreon were like many middle-income families. They thought they were doing the right things to build a comfortable life – they worked hard, owned their own home and gave their three young daughters the best they could. But following the traditional path to the “American Dream” required sacrifices. “I worked in the corporate world for 21 years,” Art says. “I’d have to leave the house at 1:00 a.m. every morning and wouldn’t get home until 3:00 p.m. I hated missing all that time with our girls in the morning so I’d make sure I was there for them in the afternoons, coaching their sports and things like that. But it wasn’t enough.”

Susan continues, “Family is very important to us, and we did what we needed to in order to provide a good life for our three daughters – so Art’s job served its purpose. But we wanted a better life. When I came across the Primerica business opportunity, Art and I thought it would be a good way to get that.”

Freedom of Time
The Primerica business opportunity offers families like the Carreons the chance to build a business and create a life of freedom for themselves. But freedom doesn’t just mean having the potential for a great income – it’s also the chance to live life on your own terms, to have the freedom of time to focus on the people who are the most important to you. For the Carreons, the turning point in their lives happened early one morning. “About five years into the business, I got a call from Art at 6:00 a.m.,” recalls Susan.

“We had set a game plan in place when I first joined the business that when I earned enough to replace his $72,000 income that he would come into the business with me full-time. I had reached $103,000 in income through our Primerica business and that morning he called me from the office to say he was retiring himself from his job. That was an incredible moment for our whole family!”

Art continues, “I’d had enough of missing out on so much of my family’s life. It was such a relief to take all the efforts I’d been putting in for someone else’s benefit and instead put that hard work into building something with Susan for our own future. I don’t regret those years in the corporate world – my income allowed me to support my family. But finding Primerica truly changed our future and gave us our lives back.”

Changing the Dynamic
Today, the Carreons are living an incredible life. They’re building a family business with their three adult daughters and they enjoy the freedom of calling their own shots. “I love that because of Primerica we don’t have to worry about money,” reflects Art. “We have the freedom to do what we want, when we want and with whom we want. For me, the best part is having the time to develop relationships with people around me. I never really had the opportunity to do that before because I was giving so much of my time to an employer.”

Susan adds, “We still don’t live a lavish lifestyle. We follow the principles that Primerica teaches as far as investing and saving for our future, but we do love to travel – it’s one of our passions, in fact. Our Primerica business has given us the means to see the world and to share those experiences with the people we love. My mother died when I was 26, having never been able to travel or enjoy much time with her family. And Art didn’t get to see his dad very much because of his work, so Primerica has given us the chance to change the entire dynamic of our family relationships. Now, we get to share amazing experiences with our loved ones because Primerica enables us to do so!”

*Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of September 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.

12PFS606


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Posted in Opportunity, Primerica, Representatives |

Jan

30.13

primerica-arrizon

Mario & Franny Arrizon
Riverside, CA
Former Occupation: Student
Former Income: $0
Primerica Income: $391,418*

The Opportunity That Changed Everything
Mario and Franny Arrizon, of Riverside, CA, grew up watching their families struggle financially. Mario’s father owned a jewelry business that barely met the family’s needs and Franny’s mother worked hard as a single parent often having trouble paying bills. “We were very poor,” recalls Mario. “I saw how hard it was for my family and I wanted something different for my life – I just didn’t know what, or how to go about getting it.”

“I lived in an average house and we drove average cars,” says Franny. “My mom was a single parent and although my dad helped support us, I saw how stressful it was for my mom trying to come up with money every month to pay bills. Plus, both Mario and I experienced how our parents had to sacrifice time with us because they had to work to pay bills. We both decided we wanted a better life for ourselves. Finding Primerica changed everything for us.”

A Better Future
The Primerica business opportunity is more than simply a way to earn money. That’s part of it, but another part is the feeling of hope that being in control of your own future inspires. The Arrizons could have done like their parents had before them – found a job and spent their lives living paycheck to paycheck and repeating the same cycle they grew up in. But instead, they saw the business as their chance to not only do something great for themselves and their own future family, but also as a way to create a lifestyle that would allow them to give back to the people they care about.

“It’s a whole different world for us today than it was when we were growing up,” says Franny. “Before Primerica, I had never been on a vacation to someplace other than a relative’s house. Mario and I had never eaten in a nice restaurant or even been on an airplane. Now that we’ve started our family, it’s hard to imagine how people living on minimum wage do it. That could have been us, if it weren’t for Primerica!”

She adds, “We’ve always wanted to be successful – to be the ‘go to’ people in our family and our Primerica business lets us do that. I love that we’re able to be there for the people we care about, because we have the income to do it. For example, Mario’s parents now work in construction. There have been times where work has been slow or non-existent and we’ve been able to pay their mortgage for a couple of months. And when our son was born, Mario basically took the whole month off. He couldn’t have done that if we didn’t have Primerica.”

A New Tradition of Success
As entrepreneurs, Mario and Franny have the freedom to build their business on their own terms. And that freedom has translated into a great income – and the ability to have something they never had when they were growing up. “One of the best things that’s happened to us because of Primerica is we are free to set new family traditions,” says Franny. “We both missed out on time with our parents because they had to work. Their schedule was determined by someone else. Being able to be with the people you love, when you want to, is one of the greatest things we’ve been able to experience through Primerica.”

Mario adds, “This business has made a tremendous impact on us. Our income gives us freedom to make decisions without considering the cost, but more than that, the freedom that can come with a good income has allowed us to build stronger relationships with our friends, family and each other. And that’s priceless!”

*Primerica income figures are based upon rolling 12‑month gross cash flow (including advances) as of September 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.

12PFS606


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Dec

27.12

primerica-pirillo

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.

12PFS606


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