Forward Thinking

Of all the ways Primerica helps families, the one thing every client has in common after an encounter with a Primerica Representative is financial education. When it comes to preparing for the future, one of the most powerful concepts we teach is The Rule of 72, which uses a simple math formula to determine how an investment can grow, given time and the power of compound interest.

When Justin & Katrin Gerow, of Punta Gorda, FL, first heard The Rule of 72 explained, it gave them a powerful new perspective on their personal finances and insight into ways they could effect change in their community. “It blew me away,” says Justin. “No one had ever taught me anything like it and it got me so excited I couldn’t stop thinking about it. It not only impacted my thought process in terms of saving for our own future, but it also really motivated me to educate families on the same things Katrin and I started doing.”

Finding Fulfillment

While the Gerows are committed to providing a complete solution to their clients, helping families take the right steps to prepare for the future is what they find most rewarding. “Life insurance protects your family’s goals if you die too early – and it’s important,” Justin explains. “But most people are going to live, and you don’t want to get to retirement and not be prepared.”

Giving Back

Sharing their passion for saving for the future isn’t the only way Justin and Katrin stay connected to their community. They also enjoy giving back in other meaningful ways. “As a family, we support our local homeless coalition with service and monetary donations,” Justin smiles. “We also contribute to our local schools through college scholarships and other financial support. And we participate both financially and through our time to many, many other charities and community events.” 1

Freedom for Families

Since the beginning, Primerica’s focus has been on Freedom for Families, and that’s an idea the Gerows take very seriously. “To us, this means we can help families become financially independent through educating them on the concepts we teach, and providing the financial solutions that can help them achieve their goals.”


“When we first got started with Primerica in 2001, we had no idea of the impact we would have on our clients. In the beginning, we were educating ourselves on the concepts we teach, building relationships with clients, and learning how to successfully build a business. But after a while, we started seeing the results of what we were doing across the kitchen table. We started seeing more and more families who we helped years ago reach their goals and become financially independent. It’s an awesome feeling.”

1 The Primerica representatives featured have achieved an extraordinary level of success that is not typical. Most representatives will not achieve such cash flow levels or earnings milestones. From January 1 through December 31, 2020, Primerica paid cash flow to its North American sales force at an average of $7,198, which includes commissions paid on all lines of business to licensed representatives. Figures include U.S. and Canadian dollars remaining in the local currency earned by the representative, not adjusted for exchange rates.

Term insurance is underwritten in New York by National Benefit Life Insurance Co. in Long Island City, NY and in the rest of the U.S. by Primerica Life Insurance Co. in Duluth, GA. In Canada, term insurance and Common Sense Segregated Fund products are underwritten by Primerica Life Insurance Company of Canada (Head Office: Suite 400, 6985 Financial Drive, Mississauga, ON, L5N 0G3, Phone: 1-800-387-7876).

In the U.S., securities and advisory services are offered by PFS Investments Inc., 1 Primerica Parkway, Duluth, GA 30099-0001, member FINRA []. PFS Investments Inc. conducts its advisory business under the name Primerica Advisors. Primerica and PFS Investments are affiliated companies. In Canada, mutual funds are offered by PFSL Investments Canada Ltd., mutual fund dealer. Head Office: Mississauga, ON.